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Travel Medical

$2,000,000 Excess Travel Medical Insurance (Aggregate Payable for One Incident $2,000,000) is offered in conjunction with your other Allsport insurance policy.

Summary of program:

Travelling outside your Province? Proper training, coaching and protective equipment reduces risks in competitions. Help reduce the individual's risk with unforeseen travel expenses that may include Hospital Services, Doctor's Services, Ambulance, Dental Accidents, Out of Pocket Expenses, Trip Interruption and Repatriation.

Summary of benefits:

Excess Medical/Hospital Expense - Accident & Sickness
As a result of an injury or sickness that requires necessary services of a physician, registered nurse, physiotherapist, hospital, x-ray clinic, laboratory, ambulance or emergency medical return to the outbound point of departure, this cover pays the actual expenses incurred not to exceed the maximum sum stated on the confirmation document. Hospital services shall include all necessary services provided normally by a duly registered and licensed hospital excluding services of a nursing home, rest home or by other non-hospital institutions. Coverage is provided only for expenses incurred by Canadian residents which are in excess of the benefits available under any Canadian federal or provincial hospital and/or medical plan regardless of whether or not the injured party is enrolled in such plan.

Blanket Dental Accident Reimbursement
When an injury to whole or sound teeth including filled or restored teeth requires and received dental treatment commencing within 30 days of the date of the accident, this cover pays for the necessary expenses for such treatment rendered within 52 weeks of the accident. Payments for all treatments rendered shall be limited to an aggregate of $5,000. The following provisions also apply:

  1. Any payment made under this section shall not exceed the amount specified in the schedule of fees in effect at the time of the accident as published by the dental association of the province in which this policy is issued
  2. Capped or crowned teeth shall be deemed as whole or sound teeth
  3. No benefit will be payable for expenses of dental treatment incurred for the cost of replacement, adjustment or repair of artificial teeth or dentures (except otherwise provided herein), any orthodontic treatment, any dental treatment provided solely for cosmetic or esthetic reasons

Interruption Insurance
Out of Pocket Expense: In the event covered injury or sickness causes delay in returning to the point of departure beyond the return date, this cover pays for reasonable out of pocket expenses incurred up to the per diem amount specified on the individual certificate, not to exceed the maximum applicable benefit for all such expenses.

Trip Interruption: If, after the outbound departure, the injured party is obliged to leave the tour upon a physician's advice due to covered illness or injury, this cover pays for the cost of one way economy class transportation to rejoin the ongoing tour or to original point of departure.

Repatriation Expense: In the event of covered death occurring after the originating flight date, the cover pays the cost of the actual expense incurred for conveyance of the body or ashes of the deceased to the outbound point of departure, not to exceed the applicable maximum benefit.


Limitations and Exclusions

This insurance does not provide expenses incurred directly or indirectly as a result of:

  1. Injury or sickness for which medical/hospital benefits are provided under any other policy or plan except for the excess not covered under such other insurance
  2. Maintenance therapy for pre-existing medical conditions
  3. Dental, chiropractic or any other health services not mentioned specifically in excess medical/hospital expenses
  4. Suicide or self-destruction, intentionally self-inflicted injuries or any attempt thereat
  5. Declared or undeclared war, civil war, riot, insurrection, invasion or any act thereof
  6. An illegal act by the injured party or beneficiary
  7. Participation in armed forces training exercises or maneuvers
  8. A payment which contravenes any plan of any government or political subdivision or law in Canada
  9. Participation in any sport not listed on the certificate premium rates, unless a special quote is received in writing

The description of coverage contained herein is not complete, and reference must be made to the actual terms and conditions of the applicable policy forms.