FEATURES OF THE A LA CARTE TRAVEL INSURANCE PLAN FOR THE 2023–2024 SEASON
Basic Emergency Medical Coverage
Basic Emergency Medical Coverage applies to Annual Multi-Trip Plans (8 Day, 16 Day, 32 Day and 62 Day options).
Deductible Choices (Optional)
The policy has a US$50 deductible per claim. You have the option to change your deductible to ZERO, US$250, US$500, US$1,000, US$5,000, or US$10,000.
Buy down your Pre-Existing Condition Clause (Optional)
The pre-existing condition stabilty period that you qualify for (either 90 days or 180 days) 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 180 days prior to any departure date, you have the option to "buy-down" the stability period for pre-existing condition coverage to 90 days. If you choose this option, the policy will cover eligible expenses for a medical condition that was stable in the 90 days 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 does not treat a heart condition or a lung condition, and was prescribed more than 45 days prior to your departure date, you can reduce the stability period for the medical condition that the medication treats to 30 days prior to any departure date.
This insurance covers treatment required only as a result of a medical emergency and has other terms, conditons, limitations and exclusions which may affect your coverage. For a full description, click on the Policy Wording link at the top of this page to review the full policy. Please refer to Section 4 of the A La Carte Travel Insurance Policy for the exclusions.
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Underwritten by Industrial Alliance Insurance and Financial Services Inc.