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Insurance eligibility

The Partner Space guides you through the process and presents the notices and declarations required according to the age and duration of your client’s trip. 

You must ensure to:

  • Validate your client’s eligibility for insurance.
  • Clearly ask your client all questions and properly document the answers.
  • Make your client aware of the importance of giving accurate and up-to-date answers.
  • Explain the product offered to your client and present to them any applicable exclusions, limitations or reductions of coverage.

Eligibility criteria

To be eligible for insurance, your client must meet the following conditions:
Conditions applicable to people of all ages

  • Be a Canadian resident
  • Be covered under the health and hospital insurance plan in their province of residence for the duration of the trip
  • Be over 30 days old on the departure date of the trip

 

Conditions applicable only to people aged 55 and over
In addition to the conditions described above, if your client is 55 years of age and over, they must not:

  • Have received medical advice not to travel.
  • Suffer from a terminal illness.
  • Suffer from kidney failure treated with dialysis.
  • Have been diagnosed or treated for metastatic cancer in the past 5 years.
  • Have been prescribed or treated with home oxygen in the past 12 months

 

Visitors to Canada and Top-up insurance plans have their own eligibility conditions. Refer to the insurance policy for more information.

YOUR CLIENT IS INSURED IF:

  • The insurance was purchased before the departure date of the trip.
  • The insurance was purchased for the entire duration of the trip, including the departure date and the
  • return date.
  • The premium was paid in full before the effective date of the contract.
  • Your client meets the criteria of the ‘’insurance eligibility’’ section.
  • Your client’s name appears in the ‘’Covered persons’’ section of the insurance certificate.

The declaration of eligibility (55 and over) 

At the “Eligibility” stage, you must read the eligibility criteria to your client and confirm if they apply to them.

The moment one criteria applies to your client, you must check “yes” and you cannot go any further in the sales process. 

The Declaration of Eligibility only applies to clients who wish to purchase Emergency Medical Care, Trip Cancellation and Interruption or Trip Interruption coverage.