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Emergency Medical Insurance

We've enhanced your Emergency Medical Insurance by increasing some coverage limits. Highlights include:

  • Lost or stolen prescription drugs: Increased to $200
  • Hospital Allowance: Increased to $75 per day
  • Vision Care and Hearing Aids: Increased to $1,000 combined


 

Coverage Purchased Before June 13, 2017

Coverage Purchased on or After June 13, 2017

Emergency Medical Insurance - Annual and Single Trip

Eligibility

Palliative Care

N/A

New Eligibility Requirement
You are not receiving palliative care or palliative care must not have been recommended.

Period of Coverage

Top-up

When a BCAA Travel Insurance policy is purchased as a top-up policy to another insurance provider: Coverage is not available for any emergency medical treatment related to a sickness or injury that happened after departure but before the BCAA policy took effect.

Changes to Top-up Policies
When a BCAA Travel Insurance policy is purchased as a top-up policy to another insurance provider: Coverage is available for any emergency medical treatment related to a sickness or injury that happened after departure but before the BCAA policy took effect, under the same terms and conditions as if the emergency sickness or injury began under the BCAA top-up policy.

Benefits

Lost or Stolen Prescription Drugs

Covers up to a maximum of $150 for one physician visit and the new prescription drugs.

Benefit Limit Increase
Covers up to a maximum of $200 for one physician visit and the new prescription drugs.

Fracture Treatment

Covers up to a maximum of $1,000 for expenses related to fractures.

New Feature
Splints are now also covered.

Hospital Allowance

Covers up to $50 per day to a maximum of $3,000 for incidental hospital charges.

Benefit Limit Increase
Covers up to a maximum of $75 per day up to the policy limit for incidental hospital charges.

Return of Excess Baggage

Covers up to a maximum of $500 to return excess baggage after an emergency air evacuation.

Benefit Limit Increase
Covers up to a maximum of $800 to return excess baggage after an emergency air evacuation.

Return of Travelling Companion

After the insured's Emergency Air Transportation, covers a one-way economy airfare for one travelling companion to return back to their original departure point.

Enhanced Benefit
After the insured's Emergency Air Transportation, covers a one-way economy airfare for one travelling companion to return back to their original departure point.

If the insured resumes their trip under the Return to Your Destination benefit, a one-way economy airfare is also covered for the same travelling companion to return to the travel destination to resume their trip with the insured.

Remote Evacuation

Covers up to a maximum of $6,000 for non-medical remote evacuation.

Benefit Limit Increase
Covers up to a maximum of $8,000 for non-medical remote evacuation.

Child Care

Included in the Out of Pocket benefit.

New Separate Benefit for Child Care
Covers up to a maximum of $500 per day to a maximum of $5,000.

Vision Care and Hearing Aids

Covers up to a maximum of $200 for each.

Benefit Limit Increase
Covers up to a maximum of $1,000 combined.

Domestic Services in Canada

N/A

New Benefit
After an Emergency Air Transportation, covers up to a maximum of $250 for cooking, cleaning, child care and/or pet care at the insured’s principal residence. Coverage is available up to 15 after the insured returns to their home province.

Medical Follow-up in Canada

N/A

New Benefit
After an Emergency Air Transportation, covers up to a maximum of:
• $1,000 for semi-private room in hospital, rehabilitation centre or convalescent centre
• $100 per day for home care nursing or caregiver
• $300 for ambulance or taxi services
• $200 for essential medical appliances

Exclusions

Pre-existing Conditions

The pre-existing condition exclusion applies to all medical plans (Worldwide, Worldwide Excluding USA and Travel Within Canada).

Enhanced Coverage for Travel Within Canada Plans
The pre-existing condition exclusion no longer applies to the Travel Within Canada plan.

Palliative Care

N/A

New Exclusion
A trip that is undertaken while receiving palliative care or after palliative care has been recommended.

Expenses Covered by Provincial or Territorial Government Health Care

If the insured is not covered by a provincial or territorial government health care plan, any expenses normally covered by the government health insurance plan are excluded.

Updated Exclusion
If the insured is not covered by a provincial or territorial government health care plan at time of claim, any medical and related expenses in excess of $50,000 are excluded.

Travel Advisories & Travel Warnings

N/A

New Exclusion
When a travel advisory or travel warning is issued by Global Affairs Canada or Public Health Agency of Canada, any sickness or injury caused by the reason for the advisory or warning is excluded.



If you have questions or would like to make a change to your policy, please call or visit your local BCAA Service Location.

  • Review a printer-friendly version of the full-list of changes to your policy
  • Download your updated policy wording booklet
  • Receive a wording booklet by mail

Insurance is sold through BCAA Insurance Agency. The language in this document may not be the same as the actual policy wording which will prevail in all instances and is available upon request. Certain exclusions, limitations and conditions may apply. TravelGold is a registered trademark of and is administered by North American Air Travel Insurance Agents Ltd., d.b.a. TuGo, a licensed insurance broker in British Columbia. 11th Floor - 6081 No. 3 Road, Richmond, BC Canada V6Y 2B2. Insurance is underwritten by Industrial Alliance Insurance and Financial Services Inc., Industrial Alliance Pacific General Insurance Corporation and certain Lloyd's Underwriters, severally and not jointly.