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Travel Medical Insurance Updates

We’re pleased to provide the following enhancements to your policy:

  Coverage Purchased Before October 31, 2018 Coverage Purchased on or After October 31, 2018
Contact Information

Emergency Phone Number

1.800.663.0399

New Phone Number

1.877.293.BCAA (2222)

Emergency Medical Insurance
Benefits

Fracture Treatment

Covers up to $1,000 for fracture treatment.

This limit includes any physiotherapy treatment, if required.

Enhanced Benefit

Physiotherapy has been removed from this benefit. However, physiotherapy is provided under the Other Professional Medical Services Benefit up to $600.

Insureds are still covered for fracture treatment up to $1,000

Airfare to Return Home for Treatment

Covers airfare for the insured to return to their home province if treatment is received within 48 hours of arrival in the home province.

This coverage is included as part of the Emergency Air Transportation Benefit.

Enhanced Benefit

Now a separate benefit called Airfare to Return Home for Treatment. Coverage is available if treatment is received within 10 days of arrival in the home province.

Note: For fracture claims, this benefit is only available in lieu of the Fracture Treatment Benefit.

Repatriation

Covers up to $5,000 for either burial or cremation at the place of death.

Enhanced Benefit

The cost of one death certificate is also now covered under the burial or cremation benefit.

Out of Pocket Expenses

Covers up to $500 per day to a maximum of $5,000 for unexpected out of pocket expenses.

Enhanced Benefit

Now both bus fare and rental car expenses are covered, instead of just one or the other.

Remote Evacuation

Covers up to $8,000 for evacuation from a remote location.

Enhanced Benefit

Now also covers search and rescue from a remote location.

Pre-existing Condition Stability Requirements

Pre-existing Conditions

Pre-existing condition coverage information is in the Exclusions section.

Enhanced Customer Experience

Pre-existing condition coverage information is in a new section called Pre-existing Condition Stability Requirements. No change to coverage.

Optional Coverages

Pre-existing Condition Coverage

Covers up to a maximum limit of $200,000.

Enhanced Coverage

Covers up to a maximum limit of $300,000.

Trip Cancellation & Trip Interruption Insurance

Available as an optional coverage.

Offering Change

Available when purchased as part of the Non-medical Travel Package optional coverage. Trip Cancellation & Interruption is no longer available as a separate optional coverage.

Standard Holiday Package

Available as an optional coverage and includes:

  • TravelGold® Accident Insurance
  • Baggage Insurance

Offering Change

This optional coverage is no longer available.

Deluxe Holiday Package

Available as an optional coverage and includes:

  • Trip Cancellation & Trip Interruption Insurance
  • TravelGold Accident Insurance
  • Baggage Insurance
  • Additional Air Travel Related Expenses

Enhanced Coverage

Now called Non-medical Travel Package and is available as an optional coverage. This package still includes:

  • Trip Cancellation & Trip Interruption Insurance
  • TravelGold Accident Insurance
  • Baggage Insurance
  • Additional Air Travel Related Expenses

Pet Coverage

Return of Domestic Pets

Covers:

  • Up to $600 to return accompanying pets if the insured is returned home
  • Up to a combined $600 for emergency veterinary services; and/or commercial kennel costs if the insured is hospitalized; and/or the cost to return accompanying pets if the insured is hospitalized

Enhanced Coverage

Now called Pet Coverage and covers:

  • Up to $600 to return accompanying pets if the insured is returned home or hospitalized
  • Up to a combined $600 for emergency veterinary services and/or commercial kennel costs if the insured is hospitalized
General Conditions

Termination for Non-Payment

N/A

New General Condition

Added a new General Condition to clarify that when a premium is not paid, the company reserves the right to terminate the policy without notice, except as otherwise provided by law.

Procedures

Trip Cancellation for Sum Insureds over $30,000

Insureds also purchasing trip cancellation with a sum insured of $30,000 and over must complete a Trip Cancellation Quote Request Form.

Insureds 60 years and over also must answer a Medical Health Questionnaire on the form to qualify to purchase over $30,000.

Enhanced Customer Experience

The Trip Cancellation Quote Form is no longer required and all insureds are qualified to purchase. Trip cancellation is always available up to a maximum limit of $100,000 when purchased as part of the Non-medical Travel Package.

Membership Discount

Membership discounts are not applicable for optional coverages.

Enhanced Feature

The Membership discount is now available for the Non-medical Travel Package optional coverage.

Download a list of changes (PDF)

NEW! Travel Insurance Emergency Claims Phone Number: 1.877.293.BCAA (2222)

Insurance is sold through BCAA Insurance Agency. The language here 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. The issuer of the contract is Industrial Alliance Insurance and Financial Services Inc., Industrial Alliance Pacific general Insurance Corporation and certain Lloyd’s Underwriters, severally and not jointly.