Travel Prepared!
Call TIS at 1–800–563–0314
Over 20 Years Serving
Canadian Snowbirds
Once again the great features you have come to expect from the A La Carte Travel Insurance plan are all back for the 2015–2016 Travel Season.
Back again is our unique personalized Option Worksheet, with easy to understand options and questions, that lets you tailor the plan to your individual needs. With one rate Table, you do not need to worry about whether or not you selected the proper plan — there is only one!
2015–2016 SEASON FEATURES OF THE A LA CARTE TRAVEL INSURANCE PLAN
- ▪NO-CLAIM Deductible Credit (see details below)
- ▪Improved Eligibility Requirements means that more people can qualify to purchase this plan
- ▪Major Event Return Home benefit now included with your Single Trip or Annual Multi-Trip policy
- ▪an older coronary artery by-pass, coronary angioplasty or stent insertion up to 20 years ago is now eligible for coverage
- ▪Annual Multi-Trip policies now also include coverage for trips in Canada (outside your province)
- ▪hips or knees that were replaced more than 12 months ago are no longer a policy exclusion
- ▪Reduced pre-existing medical condition stability option
- ▪1 Month Stability Option if you had a recent medication change
- ▪Retiree Plan Top-up Coverage Available for NO Extra Charge if you purchase at least 35 days coverage for a single trip
- ▪Available up to Age 94
- ▪Up to $2,000,000 of Coverage for emergency medical services
- ▪No Top-up Fee
- ▪Excellent Refund Policy
- ▪One Simple Rate Table
- ▪Direct Payment to Hospitals and other providers where possible
- ▪Worldwide Emergency Medical Assistance 24/7
NO-CLAIM DEDUCTIBLE CREDIT
If you were insured last season under any of the Travel Insurance Specialists products and did not report a claim, your $300US deductible will be reduced to $250US when purchasing the A La Carte Travel Insurance plan this season. Also, if you did not report a claim in the last 2 consecutive seasons, your deductible will be reduced to $200US; if you did not report a claim in the last 3 consecutive seasons, your deductible will be reduced to $150US or if you did not report a claim in the last 4 consecutive seasons, your deductible will be reduced to $100US. If you were covered by another insurer during any of the last four seasons, you qualify for the same reduction in deductible if you did not have any claim(s) with the other insurer. (Note: There will be a cost-savings if you qualify for the NO-CLAIM Deductible Credit, but would like to reduce your deductible to $0.)
Basic Emergency Medical Coverage
Basic Emergency Medical Coverage provides essential travel insurance benefits as a result of a medical emergency while you are away from Canada. The maximum payable, unless you upgrade your coverage, is $200,000. The Basic Emergency Medical Coverage is not an option, it is the minimum you must take for an A La Carte Travel Insurance policy. Note: this amount can be increased up to $2,000,000 as an option.
Basic Emergency Medical Coverage Includes:
- EMERGENCY MEDICAL SERVICES Maximum limit chosen
- Emergency Paramedical/Professional Services $250 per practitioner
- Emergency Ambulance Transportation Eligible expenses
- Emergency Dental Due to Accidental Blow to the Mouth $2,000
- Emergency Relief of Dental Pain $300
- Removal of a Cast or Stitches after an Emergency $300
- Child Return under your care Eligible expenses
- Vehicle Return $2,500
- Emergency Evacuation & Repatriation Eligible expenses
- Major Event Return Home $3,000
- Subsistence Allowance $1,500 per person
- Expenses Related to your Death $5,000 per person
- Bedside Companion Travel Eligible expenses
- 24 Hour Worldwide Emergency Medical Assistance
- See the policy for full details.
Basic Emergency Medical Coverage applies for Annual Multi-Trip Plans (8 Day, 16 Day, 32 Day and 62 Day options).
Upgrade your Basic Coverage from the $200,000 maximum (Optional)
The maximum payable in the event of an eligible claim is $200,000 under the Basic Emergency Medical Coverage. You have two choices in upgrading your maximum amount payable from the basic $200,000. You can choose a maximum of $1,000,000 or $2,000,000.
Deductible Choices (Optional)
The policy has a $300US deductible per claim. You have the option to change your deductible to ZERO, $500US, $1,000US, $5,000US, or $10,000US.
Buy down your Pre-Existing Medical Condition Clause (Optional)
The pre-existing medical condition stability period that you qualify for (either 3 months or 6 months) is based on the answers that you have provided to the Underwriting Questions on the A La Carte Option Worksheet. If you qualify for a pre-existing medical condition stability period of 6 months prior to any departure date, you have the option to "buy-down" the stability period for pre-existing medical condition coverage to 3 months. If you choose this option, the policy will cover eligible expenses for a medical condition that was stable in the 3 months prior to the departure date of any trip.
Also, if you had a replacement, elimination or an increase/decrease in dosage or frequency of a medication that was prescribed more than 3 months prior to your departure date, you can reduce the stability period for the medical condition that the medication treats to 1 month prior to any departure date.
NOTE: All premiums, benefits, and maximum amounts payable are quoted in Canadian dollars unless otherwise specified. All deductibles are in US dollars and apply to each claim occurrence.
Marketed by Travel Insurance Specialists
Snowbird medical insurance experts since 1993
Underwritten by Industrial Alliance Insurance and Financial Services Inc.
