Who is Co-operators Life Insurance Company? The underwriter for A La Carte Travel Insurance and TravelHealth Medical Plan is Co-operators Life Insurance Company. Founded in 1945, the Co-operators is a group of Canadian companies with assets exceeding $7 billion. As the leading Canadian-owned, multi-product insurer, their success depends on meeting and anticipating clients' needs. The Co-operators group is one of the largest writers of travel insurance in Canada.
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What is your refund policy? As stated in our policy: Other than allowed under Notice of Right to Examine Policy, we will only consider other requests for a refund: (i) if you did not leave on your trip or if you returned early from your trip and no claim in excess of your deductible has been incurred or paid, or is pending; and (ii) before your coverage period ends. No claim will be paid if you have received a full or partial refund of premium. Refunds are not available on Annual Multi-Trip Plans or the Annual Federal Retiree Top-up Plan. You must send a written request with proof of your non-departure, or early return, to: Travel Insurance Specialists Ltd.
Box 93060 1111 Davis Dr
Newmarket, Ontario L3Y 8K3 Early return refunds will be calculated on a pro-rata basis based on the date you enter Canada. Proof must be provided as to your date of entry to Canada in the way of a customs date stamp, your return air fare ticket, or your signature on a signed credit card receipt from a Canadian business. If none of these are not available, the postmark on your written request, if mailed, or the date of a faxed request or your telephone call is received by Travel Insurance Specialists Ltd. will be used to calculate any refund. All requests for a refund must be submitted within 30 days of your return to Canada. Under no condition will a refund be made after the policy effective date for an early return during a coverage extension period. Back to Top
What is the difference between the A La Carte and TravelHealth Medical Plan? There are many differences in what makes someone eligible for the A La Carte and TravelHealth Medical Plan as well as how someone qualifies for their premium rate. For those differences, please go to the Our Products page where you can access the page for each product and view the applications. See below for a table highlighting the various benefits of both plans.
| Single Trip and Annual Multi-Trip Emergency Medical Benefits | A La Carte
(Maximum Limits up to)
| TravelHealth Medical Plan
(Maximum Limits up to)
| Emergency Medical Services
| $50,000, $100,000, $250,000, $1,000,000 or $5,000,000
| $1,000,000 or $5,000,000
| Emergency Paramedical/
Professional Services
| $250/practitioner
| N/A | Private Nursing
| N/A | $5,000
| | Emergency Dental due to Accidental Injury | $2,000
| $1,000
| Emergency Relief of Dental Pain
| $300
| $300
| Emergency Ambulance Transportation
| Eligible Expenses
| Eligible Expenses
| Expenses to return your Vehicle
| $1,500
| $1,500
| Emergency Return Home
| Eligible Expenses
| Eligible Expenses
| Expenses related to your death
| $5,000
| $5,000
| Subsistence Allowance
| $1,500
| N/A
| Bedside Companion Travel
| Eligible Expenses
| N/A
| 24 Hour Emergency Medical Assistance
| UNLIMITED
| UNLIMITED
|
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When I buy an annual multi-trip plan, what happens with my long trip? All you need to do is reduce the number of days you need to purchase for your long trip by the number of annual plan days. For example, if you purchase a 32 day annual plan on TravelHealth Medical Plan and your total days away are 183 days, reduce the number of days you need to purchase by 32. So the number of extra days you need to purchase is 151 days. Back to Top
What is Peripheral Vascular Disease [PVD] ? Peripheral Vascular Disease is also known as Peripheral Arterial Disease [PAD]. People have PAD when the arteries in their legs become narrowed or clogged with fatty deposits, or plaque. The buildup of plaque causes the arteries to harden and narrow, which is called atherosclerosis. When leg arteries are hardened and clogged, blood flow to the legs and feet is reduced. Some people call this poor circulation. PAD occurs most often in the arteries in the legs, but it also can affect other arteries that carry blood outside the heart. This includes arteries that go to the aorta, the brain, the arms, the kidneys and the stomach. When arteries inside the heart are hardened or narrowed, it is called coronary artery disease or cardiovascular disease. The good news is that like other diseases related to the arteries, PAD can be treated by making lifestyle changes, by taking medicines, or by having endovascular or surgical procedures, if needed. For other information, download this informational brochure. Back to Top In A La Carte question D on the Option Worksheet, if I only have high blood pressure, do I need to add the points? No. You need to have both high blood pressure requiring medication and diabetes requiring medication in order to add the points. What is syncope? Syncope (SIN'ko-pe) is temporary loss of consciousness and posture, described as "fainting" or "passing out." It's usually related to temporary insufficient blood flow to the brain. It's a common problem, accounting for 3 percent of emergency room visits and 6 percent of hospital admissions. It most often occurs when the blood pressure is too low (hypotension) and the heart doesn't pump a normal supply of oxygen to the brain. Back to Top On the application forms, what is "Government Health Plan # & Version Code"? Government Health Plan # is the number on your health card from whatever province or territory you reside in. For example, if you reside in Manitoba, enter the number from your Manitoba Health card. Version Code applies to certain provinces, like Ontario (photo health cards only). The version code is usually two letters after the health card number and will change if you have had your health card reissued due to a renewal or an address change. Back to Top
What is a Complete Medical Examination? The definition in our policy states:
Complete Medical Examination means that you have visited a licensed physician where your medical history was updated, any symptoms were diagnosed and any tests requested or proposed were completed.
If you have further questions and would like clarification, please contact us at
1-800-563-0314.
Do we designate where clients have to go for treatment? No. Clients are free to seek treatment at whatever facility they choose; however, upon calling the claims assistance line, you will be directed to a facility in your area.
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