Canadians Travelling - Quest

Travel Medical Insurance

Summary

Having Trouble Getting Coverage?

You want to travel but pre-existing conditions have not been stable long enough to be covered. Quest provides $150,000.00 in coverage for pre-existing conditions that do not meet stability requirements. You can also purchase $150,000.00 coverage for a condition which is stable now but may not be in the future.

The overall coverage limit for conditions that meet stability requirements is $5,000,000.00. There are three stability and rating categories as follows:

Category Months before effective date
Gold 90 day stability period
Silver 180 day stability period
Bronze 180 day stability period *

*365 day stability period for diabetes, heart and lung conditions

Benefits

Travel Medical Insurance

This policy provides up to $5,000,000 in emergency medical coverage for sickness and accident. There is an online medical questionnaire if you are age 55 or more.

Pre-existing condition must be stable as follows:

Key Benefits Maximum Limit
Maximum liability $5,000,000
Emergency medical treatment Emergency medical treatment for sickness or injury whether in-patient or out-patient care.
Services of physician, surgeon, anaesthetist, registered graduate nurse.
Private duty nursing.
X-rays and laboratory services.
Rental of medical appliances.
Hospital allowance $50 per day to a maximum of $500 for incidental hospital charges.
Ambulance Including mountain and sea rescue.
Prescription drugs Limit of a 30-day supply.
Emergency air transportation Up to Policy limit.
Dental Up to $4,000 for accident.
Up to $500 for dental pain.
Professional medical services Up to $500 per practitioner including a licensed physiotherapist, chiropractor, chiropodist, osteopath and podiatrist.
Chiropractic benefits are limited to the initial office visit.
Repatriation Up to $10,000 for repatriation.
Up to $4,000 for burial/cremation at place of death (excluding cost of burial coffin or urn).
Family transportation One economy return airfare or ground transportation costs and up to $150 per day for meals and accommodation in the event of your hospitalization.
Return of insured travelling companion Up to $3,000 for a one-way economy airfare if you are returned home for medical reasons.
Return to destination One-way economy airfare to return to your original destination point after your return to your home province for medical reasons.
Return of vehicle Up to $4,000.
Additional board and lodging Up to $400 per day to a maximum of $4,000.

Optional Coverages

Key Benefits Maximum Limit
Guaranteed Stability Option Option to purchase coverage for pre-existing conditions including conditions that did not meet the stability requirements, up to $150,000.
Future Stability Option Option to purchase coverage for pre-existing conditions provided the condition that existed at the time of application was stable according to the plan you qualify for, up to a maximum of $150,000.00.
Trip Cancellation/Interruption Insurance Option to buy single trip coverage to cover travel costs if the travel plans are cancelled prior to departure, or if they are disrupted after the trip has begun.

Key Features

Key Benefits Maximum Limit
Pre-existing conditions Gold plan: 90-day stability period
Silver plan: 180-day stability period
Bronze plan:
a) 365-day stability period for diabetes, heart and lung conditions AND
b) 180-day stability period for all other pre-existing conditions.
Exclusions Long term care or ongoing care following an emergency.
Non-emergency treatment.
Test and investigative consultations.
Refer to policy wording for complete list of all exclusions.
Claims procedure Consult the claim guideline in your policy wording.

Please refer to the policy wording for a complete description of benefits, exclusions, limitations and conditions.

Questionnaire