FEATURES OF THE A LA CARTE TRAVEL INSURANCE PLAN FOR THE 2019–2020 SEASON
If you were insured last season under any of the Travel Insurance Specialists products and did not report a claim, your US$350 standard deductible will be reduced to US$300 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 US$250; if you did not report a claim in the last 3 consecutive seasons, your deductible will be reduced to US$200 or if you did not report a claim in the last 4 consecutive seasons, your deductible will be reduced to US$150.
Also, if you have a deductible of US$75 or more, you can get a US$50 reduction on that deductible if you visit a stand alone clinic or doctor's office instead of a hospital or any emergency room.
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 $1,000,000. 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 applies for Annual Multi-Trip Plans (8 Day, 16 Day, 32 Day and 62 Day options).
Upgrade your Basic Coverage from the $1,000,000 maximum (Optional)
The maximum payable in the event of an eligible claim is $1,000,000 under the Basic Emergency Medical Coverage. You can choose to upgrade your maximum amount payable from the basic $1,000,000 to $2,000,000.
Deductible Choices (Optional)
The policy has a US$350 deductible per claim. You have the option to change your deductible to ZERO, US$500, US$1,000, US$5,000, or US$10,000.
Buy down your Pre-Existing Condition Clause (Optional)
The pre-existing 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 condition stability period of 6 months prior to any departure date, you have the option to "buy-down" the stability period for pre-existing 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.
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