ANNUAL
The Annual covers your client for a full year for all trips made outside their province of residence.
Leaving one’s province of residence for a period exceeding the duration chosen invalidates the insurance coverage for the entire duration of this trip.
THE ANNUAL PLAN IS PERFECT FOR:
- Clients who travel outside their province of residence more than once per year
- Clients who want to travel safely year-round
- Clients who seek a cost-effective travel solution
TO BE COVERED, THE TRIP MUST MEET THE FOLLOWING CRITERIA:
- It must take place outside the province of residence.
- Its duration must not exceed the maximum trip duration chosen (4, 8, 17, 31, 60, 90, 120, 150 or 180 days).
- The departure date and the return date are included in the period of coverage.
TO BE ELIGIBLE FOR THE ANNUAL PLAN, YOUR CLIENT MUST BE:
- 85 years old or less for periods of 4 to 120 days.
- 80 years old or less for durations of 150 and 180 days.
Possible combinations
| Annual Medical | Annual Package Option |
Annual Medical and |
|
| Coverage | |||
| Emergency Medical Care | ✔ | ✔ | |
| Trip Cancellation or Interruption | ✔ | ✔ | |
| Accidental Death or Dismemberment | ✔ | ✔ | |
| Baggage | ✔ | ✔ | |
| Services | |||
| Blue Cross Travel Assistance | ✔ | ✔ | ✔ |
| Flight Delay Service | ✔ | ✔ | ✔ |
| Depending on the combination chosen, the selected coverage are indicated on the insurance certificate. | |||
Maximum coverage per person, per trip
| Coverages | Maximum coverage per person | |
|---|---|---|
| Emergency Medical Care | $5,000,000 (optional deductible) | |
| Trip Cancellation or Interruption | Cancellation | $1,500, $2,000, $2,500, or $5,000 per trip |
| Interruption | Unlimited | |
| Accidental Death or Dismemberment | $300,000, depending on age and circumstances | |
| Baggage | $1,500 | |
Extension
If any of your client’s trips exceed the maximum trip duration, coverage will need to be extended to cover the entire duration of the trip.
Requests for extensions before departure can be made on the sales portal. To request an extension, you will need your client’s contract number.
It is not possible to submit a request for an extension on the sales portal after the departure date. To extend coverage during the trip, contact us.
EXAMPLE
A client with a 31-day Annual contract takes a 28-day trip to Japan. Once they are at their destination, they decide to extend their stay for a few weeks to visit South Korea. They call the insurer ten days after the 31st day.
Your client could have been eligible for the extension if they had requested an extension by the 31st day of their trip.
Effective date
Depending on the type of Annual plan that has been chosen, the contract becomes effective on the following dates.
| Annual | Effective date |
| Emergency Medical Care | On the effective date of the coverage |
| Package Option/Annual Medical and Package Option | On the date of purchase, so that the Trip Cancellation or Interruption coverage becomes effective immediately |
How to choose the maximum trip duration?
Choose the maximum trip duration based on the longest trip planned. However, in some cases selling an extension for a trip that exceeds the duration chosen will result in your client getting a better price.
Renewal notice
Clients who hold an Annual contract will receive a renewal notice at the end of their contract.
A statement of contracts approaching the expiry date is available on the sales portal in the “Reports” tab of the distribution account administrator. This document allows you to closely monitor your files and ensure coverage continuity according to your client’s needs.
Ask your distribution account administrator to provide you with this document.
| Advantages for clients | Advantages for partners |
|
Informed in advance that their contract will expire (the notice clearly indicates the expiry date and is mailed 35 days before that date) Can contact their distributor to obtain: |
Can redo an assessment of the client’s needs to sell them a product better suited to their needs Is fully autonomous in issuing the contract Can view a monthly report of renewals mailed to clients on the sales portal |