| Cost to the insured person | |||||
| Policy premium | Claim | Provincial health plan (RAMQ) reimbursement | Without insurance | With Blue Cross | |
Terry, age 3: SunstrokeWest Yarmouth, MA, USA Emergency Care |
$25 | $615 | $71 | $544 | $90 |
| Terry and his family were enjoying a week’s vacation at the beach. Terry’s mother noticed his skin turning bright red. He had been in the sun for only 30 minutes, and his mother had applied sunscreen before leaving for the beach. A mild case of sunstroke was diagnosed at the hospital. | |||||
Claudia, age 34: Ankle SprainMount Worcester, VT, USA Emergency Care |
$25 | $509 | $41 | $468 | $25 |
| During a two-day hike, Claudia suffered a bad sprain after slipping between two rocks. Her descent was difficult. Once she reached the emergency room, a bandage was applied, and she was provided with crutches. | |||||
Madeleine, age 71: Wrist fractureVictoria, BC, Canada Emergency care and medical accessories |
$38.85 | $462 | $136 | $326 | $214 |
| Madeleine slipped and fell on a wet floor while visiting her sister for a week in British Columbia. At the hospital, a cast was quickly applied, and Madeleine was released with a waterproof sheath for protection. | |||||
Paul, age 40: Food poisoningToronto, ON, Canada Ambulance and emergency care |
$25.98 | $475 | $73 | $402 | $174 |
| Paul visited a new sushi restaurant with a supplier while on a five-day business trip to Toronto. He became ill during the night, and a hotel clerk had to call an ambulance as he was unable to drive and unsure of where the nearest hospital was. Once admitted into the emergency ward, Paul was diagnosed with food poisoning. | |||||
Julien, age 30: Accident resulting in compressed vertebraeCiudad Vallés, Mexico Emergency care and air ambulance |
$123.38 | $38,883 | $500 | $38,383 | $132 |
| Julien nearly lost the use of his legs while on a one-week kayaking trip to Mexico. A wrong move compressed his lumbar vertebrae and the motor nerves of his legs. He was immediately airlifted to Québec to a hospital with a trauma unit. Thanks to the prompt treatment of our medical team, Julien was able to leave the hospital on his own two feet. | |||||
Isabelle, age 42: Traveller's diarrheaPunta Cana, Dominican Republic Hospitalization and return air flight |
$138.87 | $10,608 | $800 | $9,808 | $207 |
| Isabelle consulted a hotel doctor for a rash and diarrhea while on a week-long trip to Punta Cana. She had expected to be treated with medication, but was rushed to the emergency room at the nearest hospital. Her symptoms were due to overexposure to the sun, and the diarrhea had caused dehydration. Her husband was taken to the hospital the next day with the same condition. They were hospitalized for four days and were unable to depart on their scheduled flight. Thanks to the Trip Cancellation and Interruption coverage in their Travel Insurance policy, they traveled home on a commercial flight two days later. | |||||
Refers to a child of the contract holder, the contract holder’s spouse, or both, over 30 days old before departure, who is dependent on the contract holder, who is not married and who is under 21 years of age or under 25 years of age and attending an educational institution full time as a duly registered student or who is physically or mentally handicapped.
A child who is not a Canadian resident, who is at least 31 days old and is in the process of being adopted by a Canadian resident is considered a dependent child upon completion of all required documents and once the appropriate authorities in the adoptee’s country of origin definitively and irrevocably release the child into the physical, visual and exclusive care of the adoptive parents or the person who will accompany the child until arrival in Canada. A child who is in the process of being adopted does not have to be covered by a government health and hospitalization program of a Canadian province or territory.
In a single-parent or family plan, any child of the contract holder or the contract holder’s spouse who is born after the effective date of the contract is automatically insured as soon as the child meets the criteria of the definition of a dependent child, subject to the payment of a supplementary premium, as the case may be.
Important: Each insured person shall consult their insurance contract for definitions that are specific to it.
This contractual document includes details, terms and conditions of our travel insurance plans for Canadians who are going on a trip:
this contractual document includes details, terms and conditions of our insurance plan for:
