How much protection is really provided through my group plan or credit card?

Key Points to know about coverage

•  Coverage varies greatly 

•  Policy maximums might not be enough to cover treatment 

•  Trip cancellation, trip interruption, baggage, flight accident and 
accidental death and dismemberment coverage might not be available 

•  Restrictions could include traveller's age and trip length

General questions

1. How many days am I permitted to travel?


2. Does my coverage start when I leave my home province or Canada?

3. What is my coverage within Canada?


4. What is the eligibility criteria for my coverage?


5. What are the pre-existing condition requirements? 

     a. How many days of stability do I need before travel?

6. Are there age stipulations on my policy?
     a. If I turn a milestone age during coverage, will my policy still be valid?


7. Does my plan permit me to top up my coverage if I need more days than what they provide?

8. Am I covered for all emergency/hospital expenses?


9. What is the policy maximum?

10. Are there any sports excluded under this coverage that I am participating in?


11. Am I covered if an air ambulance is required to bring me back to my home province or Canada?

12. Will you pay direct or guarantee payment to a medical facility?


13. Does my plan have a deductible?


14. Will you coordinate with my provincial plan or do I have to submit the balance of my claim?


15. Do you provide a 24 hour, 7 day-a-week toll-free assistance telephone number?
     a. If so, is this service operated by you or a contracted assistance company?

16. Does my coverage include my immediate family members?

Credit Card questions

1. Do I have trip cancellation and trip interruption coverage?
     a. If so, do I have to purchase my trip with my credit card to activate this coverage? 

     b. Am I covered for cancellation of my trip entirely - that is: air, hotel, transfers, tax and services - 
before my departure? 

     c. Is there a stability period required at the time of purchase? 

          i. How does this affect me, my immediate family members or my travelling companion?
     d. Am I covered for cancellation or interruption of my trip if my travelling companion gets injured or sick? 

     e. Am I covered for cancellation or interruption if a new travel advisory is issued for my destination? 


2. Are my benefits cancelled if I miss a credit card payment while I'm away on my holidays?

3. Does my coverage cover my family members?

Group plan questions

1. When does my coverage start - my employment start date or after my probation period?


2. After my termination date, how long can I continue with my group plan? What are my other options?

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