Frequently Asked Questions

General Inquires

Do I need travel medical insurance if I travel out of my home province to other provinces in Canada?


Yes, your Government Health Insurance Plan (GHIP) does not cover all of your medical emergency expenses, such as ground and air ambulance.




If I forget to buy travel insurance before I travel, may I buy it while I am travelling?


Yes, you may purchase coverage but there is a 48-hour waiting period before coverage goes into effect.




Will my policy cover me?


If I have too many alcoholic drinks and fall resulting in a medical emergency such as a broken bone or bleeding requiring stitches, will my policy cover me?
No, there is no coverage if you are sick or injured due to alcohol abuse or intoxication or the misuse of prescription drugs, over the counter medication or other intoxicants, either before or during your trip.
If I hang glide and/or parasail and get injured, will my policy cover me?
To be covered for high-risk sports and activities, you have to add extra coverage to your policy. The cost depends on the type of sport or high-risk activity. There are three options available depending on what you plan to do. They are listed under the product coverage on this website or you may contact the Travel Insurance Office Inc. for the details. If I get lost while skiing/snow boarding and need help being removed from the hill, will my policy cover me?
Yes, you will be covered up to $6,000 for non-medical remote evacuation. If I am on a cruise or in a remote area and have a medical emergency that requires that I be air lifted out of the area for medical treatment, will my policy cover me?
Yes, you would be covered up to $10 million for a medical remote evacuation. If I purchase a single-trip policy, worldwide excluding United States, and need to transfer through the USA to get to my destination, will my policy remain in effect?
Yes, your policy includes up to 5 days of transit coverage in the United States. I am a visitor to Canada. Is there a waiting period before I can be covered?
No, there is no waiting period if you purchase coverage before arriving in Canada. If you purchase coverage after arriving in Canada, there is a 48-hour waiting period. I am a visitor to Canada and plan to travel in Canada but would like to spend some time in the United States. Will my policy cover me if I have a medical emergency while in the United States?
Yes, you will be covered as long as over half of the days of coverage you purchase are spent in Canada. For example, if you purchase a 15-day policy, you must spend a minimum of 8 days in Canada and the other 7 days may be spent out of Canada.




Changing travel dates, cancelling, or extending my policy


If I have to change my travel dates, what should I do?
Contact Bureau d'Assurance Voyage by e-mail or phone prior to the effective date indicated on your Confirmation of Coverage to let us know your new travel dates.
If I have to cancel my policy because I cancelled my trip, what should I do?
If you want to cancel your policy for any reason, e-mail or phone Bureau d'Assurance Voyage to arrange your refund. You will receive a full refund if your policy is cancelled before the effective date. How do I extend my policy?
Call the phone number on your wallet card. You may extend your policy as long as it is still in force and you have not had a claim. If I want to extend my policy but had a claim, may I extend?
Call the phone number on your emergency wallet card and they will advise you if they could approve the extension.




Can I get a refund for days I don’t use, for example, if I come home early?


Yes, provided you have not incurred a claim or have a claim pending. All refund requests must be made in writing and postmarked within 30 days of the date you no longer require coverage. We require proof of the date you returned to your home province.




What do I do if I need to replace my emergency wallet card?


Call or e-mail Travel Insurance Office Inc. and we will send replacement cards to you by email.




Are these considered treatment?


Is taking a pill for a condition considered "treatment"? Yes, taking a prescribed medication for a medical condition is considered "treatment" for that condition. I have been prescribed a puffer to be used on an "as needed basis." Is this considered treatment for a condition? Yes. Any medication, including a puffer, which has been prescribed by a physician, even if you only use it occasionally, or you never use it, must be counted as a treatment for the condition for which it was prescribed. I have been prescribed a medication that I never use (such as a puffer for asthma or allergies or nitroglycerine for angina). Is this medication considered treatment? Yes, it is. Regardless of the fact that you may never use this medication, it has been prescribed to you because you were found to have the medical condition for which it is used to treat. Even if you never use it, you must count it as treatment for the condition for which it was prescribed. I do not have high blood pressure because of the pill I take. Do I have to consider this as "treatment" when answering your medical questions? Yes. You are taking that pill to keep your blood pressure at an acceptable level. You are being "treated" for high blood pressure. Do I have to count Aspirin as a medication? No. Do not count Aspirin or Entrophen as treatment.




If I purchase the wrong plan, will my claim be covered?


If you have a claim and the underwriters determine that you purchased the wrong plan, your claim will be denied and your premium will be refunded. It is very important to make sure you answer all the medical questions correctly. If you are unsure of anything regarding your medical history you must check with your physician.





 

Travellers Choice

Coverage


Do I need coverage while travelling in Canada? There are some medical costs incurred in other provinces that are not covered by your Government Health Insurance Plan. These include land and air ambulance, prescriptions, crutches and other appliances, home care and long-term care and others. It is always best to confirm with your provincial government health insurance plan what is and is not covered while you are out-of-province or out-of-country. Will my children be covered on my policy? Travellers Choice offers a family plan that will cover your children. All dependent children from age 15 days old up to age 21 will have coverage. Please call for details. Does the annual plan provide coverage for travel within Canada? If your Confirmation of Coverage indicates you have a multi-trip annual plan, you will have unlimited coverage for medical emergencies occurring outside of your home province or territory while traveling within Canada. The coverage pays for eligible expenses that are not covered by your Government Health Insurance Plan (GHIP). What does "deductible" mean? A deductible is the amount of money which you must pay before the insurance company's own coverage begins. Keep in mind, this amount is in CAD dollars. This means that you are responsible to pay this amount of any claim you incur. Travellers Choice comes standard with a $99 CAD deductible. There are also other deductible options available that could lower your premium. Save 5% by selecting a $250 CAD deductible, save 10% by selecting a $500 CAD deductible, save 15% by selecting a $1,000 CAD deductible, save 25% by selecting a $5,000 CAD deductible or save 40% by selecting a $10,000 CAD deductible. Is the deductible by claim or by trip? The deductible is per person, per claim. What is the name of the insurance company? Travellers Choice is underwritten by Zurich General Insurance Company, a member of The Co-operators group of companies, and administered by WTP Global Assistance, a registered business name of AZGA Service Canada Inc. and AZGA Insurance Agency Canada Ltd. I would like to speak to someone at the insurance company. Who do I call? The 24-hour assistance and claims administrator is WTP Global Assistance. You may contact them at 1-800-995-1662. Please note that this is the 24-hour emergency number. To order a claim form call 1-800-869-6747.
If you have a question concerning the product, we can provide you with all the information you need. Just give us a call. Do you protect "Limited Lifetime Maximum" retirement coverage? Yes. The first $100,000 of any Limited Lifetime Maximum retirement plan is protected. You may want to select a higher deductible to reduce your premium. If you have a claim, you can pay the deductible out of your "limited lifetime maximum" retirement fund. Is the coverage $10 million CAD per person or per policy? The coverage is $10 million CAD per person per trip. Is $10 million coverage in Canadian dollars enough? Yes. There have been claims that have exceeded $1 million CAD, so it is essential to have coverage that will cover any incidental claims over $1 million CAD. Why take the chance of not having enough coverage? If I need an extension, can I just call you? Most extensions can be done over the phone provided you are able to pay with Visa or MasterCard. Extensions will only be permitted if you have not had a claim nor have a claim pending. Do you have automatic extension of coverage? Your coverage will be extended automatically without additional premium for up to 3 days, upon notifying WTP Global Assistance, if your return to your province or territory of residence is delayed beyond the expiry date of this insurance due to the following reasons: A) the delayed arrival or departure of a common carrier which you are travelling aboard causes you to miss your schedule return to your province or territory of residence; B) you or your travel companion's return is delayed beyond the expiry date of this insurance as a result of sickness or injury for which you or your travel companion are not deemed medically stable to return to your province or territory of residence in the opinion of WTP Global Assistance. What happens if I am hospitalized on the day my insurance expires? Your coverage will remain in force for as long as you are hospitalized. Up to a 3 day extension of coverage will commence automatically upon your release from hospital to allow sufficient time for you to return to your province or territory of residence. I have pre-existing medical conditions. Are they covered if I have a medical emergency while travelling? Pre-existing medical conditions will be covered providing you meet the stability period stipulated by the plan for which you are eligible. Some general exclusions do apply. Consult the Policy for a complete list of exclusions. Rate Tables 1, 2 and 3 pre-existing medical conditions will be covered if they are stable in the 90 days before your effective date. Rate Tables 4 and 5 pre-existing medical conditions will be covered if they are stable in the 90 days before your effective date (90 days for high blood presssure). Rate Table 6 pre-existing medical conditions will be covered if they are stable 365 days before your effective date (90 days for high blood pressure). Do you sell trip cancellation and lost baggage insurance? Yes. We have TUGO Travel Insurance which offers comprehensive travel insurance for this purpose. Please call for details.




Purchasing Coverage


I am leaving shortly. How quickly can I get coverage and be on my way? You can have coverage within 1 hour. Call to notify us that you need prompt service. Then, fax or e-mail a scanned copy of your application and include your credit card details. We will process it immediately and fax or e-mail your Confirmation of Coverage and Policy back to you. At your request, we will mail the original copy of your Confirmation of Coverage and Policy to your home or out-of-country address. We can guarantee service within 1 hour as long as we receive your completed application by 3:00 PM EST. After 3:00 PM EST, we cannot guarantee your order will be processed by 5:00 PM EST when the office closes for the day. Can I apply for coverage on your web site? Yes, you can purchase online. It is the industry's first travel insurance paperless application for snowbirds and other travellers that can be completed, paid for, and issued online. Best of all you do not have to print out and mail the application! How can I pay for my insurance? If you are mailing in your application, we prefer payment by cheque, although you may use Visa or MasterCard. If you are faxing in your application or e-mailing a scanned copy of your application, please include payment by credit card. Can I buy coverage if I am already out-of-country? Yes, there is a waiting period for the first 48 hours after purchasing Traveller Choice. Your purchase can be done by completing an application or online. What is the maximum number of days I can be away? You may purchase 212 days for Quebec, including top-ups and extensions. I am going away for the weekend. Can I buy 3 days coverage? Yes, there is no minimum number of days only a minimum premium of $20 per Applicant. Can I top-up another insurance plan I have with your insurance? Yes, provided the other insurance provider allows you to top-up its coverage. To calculate your premium, use the daily rate for the number of days you require from us, and multiply it by the number of days you wish to purchase.




Eligibility Requirements


Is taking a pill for a condition considered "treatment"? Yes, taking a prescribed medication for a medical condition is considered "treatment" for that condition. I have been prescribed a puffer to be used on an "as needed basis." Is this considered treatment for a condition? Yes. Any medication, including a puffer, which has been prescribed by a physician, even if you only use it occasionally, or you never use it, must be counted as a treatment for the condition for which it was prescribed. I have been prescribed a medication that I never use (such as a puffer for asthma or allergies or nitroglycerine for angina). Is this medication considered treatment? Yes, it is. Regardless of the fact that you may never use this medication, it has been prescribed to you because you were found to have the medical condition for which it is used to treat. Even if you never use it, you must count it as treatment for the condition for which it was prescribed. If I purchase the wrong plan, will my claim be covered? If you have a claim and the underwriters determine that you purchased the wrong plan, your claim will be denied and your premium will be refunded. It is very important to make sure you answer all the medical questions correctly. If you are unsure of anything regarding your medical history you must check with your physician. Do I have to count Aspirin as a medication? No. Do not count Aspirin or Entrophen as treatment.




Annual Plans


I take many trips during the year. Do you offer an annual plan? Travellers Choice offers the Annual Plan Option for 5, 15, 25, or 35 day multi-trips. If you wish to purchase an Optional Multi-Trip Annual Plan, find the annual plan premium, located at the bottom of each rate table. If you require more days than the annual plan provides, find the daily rate for the additional number of days and multiply it by the number of extra days you require. If I purchase an annual plan do I have to let you know each time I travel? No, it is not necessary for you to contact us each time you travel. However, in the event of a claim, you are responsible to provide proof of the departure date from your province or territory of residence. Does the annual plan provide coverage for travel within Canada? If your Confirmation of Coverage indicates you have an annual plan of 5, 15, 25, or 35 days, you will have unlimited coverage for medical emergencies occurring outside of your home province or territory while traveling within Canada. The coverage pays for eligible expenses that are not covered by your Government Health Insurance Plan (GHIP). I turn 90 years of age while covered by my annual plan. Am I covered for the entire 12 months? No, your policy will terminate on your 90th birthday.




After You Purchase Coverage


When you receive my application, what happens next? On the same day your application is received, it will be processed and your Confirmation of Coverage and your policy will be mailed to your Canadian address. We were the FIRST BROKER IN CANADA to guarantee same-day service. What is a Confirmation of Coverage? A Confirmation of Coverage confirms the coverage you have purchased and consists of 3-parts:
The 1st page indicates the plan purchased, any applicable deductibles, any options chosen , the period of coverage and the cost of coverage. Other pages are your income tax receipts and wallet cards. Do you have any service or administration charges? No. We were the FIRST BROKER IN CANADA to eliminate all service and administrative charges. This means you can cancel your coverage, change your travel dates as often as you want, shorten your coverage, extend your coverage and we will process the change for free. This applies if you make multiple changes to your coverage.
If you need to replace your wallet cards, policy or tax receipt, just call and we will gladly mail you a replacement at no charge. I have to cancel my policy because I am not going to travel. What do I do? We offer a "no questions asked" refund policy. If you want to cancel your policy for any reason, send us a letter by mail, fax or e-mail. You will receive a full refund. There are no service or administrative charges and no doctor's letter required. I have to change my travel dates. What do I do? Contact us prior to the departure date indicated on your Confirmation of Coverage to let us know your new travel dates. We will request that you send a letter by mail, fax or e-mail for our records. There is no service or administrative charge. Can I put my policy on HOLD until I confirm my travel dates? Yes. Call us prior to the departure date on your Confirmation of Coverage and let us know you are not leaving on that date. We will place your policy on HOLD. Once you have finalized your dates of travel, call us, or send us a letter by mail, fax or e-mail and we will send out a revised Confirmation of Coverage. If you have shortened your trip, we will also send you a refund for the overpayment. There is no service or administrative charge. Can I get a refund for days I don’t use, for example, if I come home early? Yes, provided you have not incurred a claim or have a claim pending. All refund requests must be made in writing and postmarked within 30 days of the date you no longer require coverage. We require proof of the date you returned to Canada. There is no service or administrative charge. How can I prove when I returned to Canada? Send us your request for a refund in writing and include some kind of receipt or ticket stub showing your arrival in Canada. What do I do if I lose or need a replacement of my wallet cards? If you lose your wallet cards, or would like additional wallet cards, call us and we will be happy to send them to you. There is no service or administrative charge. I need a tax receipt, how can I get one? Your Confirmation of Coverage shows the period of coverage, the premium paid, and includes a tax receipt and two wallet cards. If you lose the tax receipt, give us a call and we will be happy to send you another one. There is no service or administrative charge.




Medical Emergencies and Claims


If I have a medical emergency, whom do I call? You must call WTP Global Assistance immediately:
From Canada and the USA: 1-844-347-7201
From Outside Canada or the USA: Call Collect 647-775-8047 What happens if I don’t call you prior to going to a hospital or a clinic? If you fail to notify WTP Global Assistance or have someone contact WTP Global Assistance on your behalf as soon as is possible, your benefits may be limited to 80% of the claim payable. You will be responsible for the remaining 20% of the claim payable. If I do not feel well, should I call the emergency number? If you are not feeling well and do not know whether or not to seek medical attention, you should call the emergency number and ask for advice. Can you send me a claim form? Call 1-844-347-7201 to ask for a claim form to be mailed to you. What if I have to go to a hospital or a clinic on the weekend, can I reach you? This emergency assistance and claims service is open 24 hours per day, 7 days a week. You must call the emergency phone number provided on your wallet card and policy. Do not call the telephone number you used to purchase your insurance because this is the insurance broker’s number and not the emergency assistance and claims number. Can I choose the hospital or clinic I go to or do you tell me where I have to go? You may go to any physician office, walk-in medical clinic or hospital. You may not go to specialized clinics without advance approval.




Refunds


Travellers Choice was the first plan in Canada to eliminate all administration fees and service charges for refunds and has never required a doctor's letter. Travellers Choice recognizes that you, the client, come first. If you need to cancel your policy before it becomes effective, all we require is a letter, e-mail or fax to request the refund. There are no cancellation charges and a no questions asked policy. There is no doctor's letter required. If you return to Canada earlier than planned, provided you have not incurred a claim or have a claim pending, you can get a refund for any unused days on your policy. All refund requests must be made in writing and postmarked within 30 days of the date you return to Canada. Also, we require proof of the date you returned to Canada, such as a ticket stub, or receipt. There are no service or administrative charges as well as no minimum number of days for a partial refund request.





 

Âge d’Or

Do I need travel medical insurance if I travel out of my home province to other provinces in Canada?


Yes, your Government Health Insurance Plan (GHIP) does not cover all of your medical emergency expenses, such as ground and air ambulance.




If I forget to buy travel insurance before I travel, may I buy it while I am travelling?


Yes, you may purchase coverage but there is a 48-hour waiting period before coverage goes into effect.




Will my policy cover me?


If I have too many alcoholic drinks and fall resulting in a medical emergency such as a broken bone or bleeding requiring stitches, will my policy cover me?
No, there is no coverage if you are sick or injured due to alcohol abuse or intoxication or the misuse of prescription drugs, over the counter medication or other intoxicants, either before or during your trip.
If I hang glide and/or parasail and get injured, will my policy cover me?
To be covered for high-risk sports and activities, you have to add extra coverage to your policy. The cost depends on the type of sport or high-risk activity. There are three options available depending on what you plan to do. They are listed under the product coverage on this website or you may contact the Travel Insurance Office Inc. for the details. If I get lost while skiing/snow boarding and need help being removed from the hill, will my policy cover me?
Yes, you will be covered up to $6,000 for non-medical remote evacuation. If I am on a cruise or in a remote area and have a medical emergency that requires that I be air lifted out of the area for medical treatment, will my policy cover me?
Yes, you would be covered up to $10 million for a medical remote evacuation. If I purchase a single-trip policy, worldwide excluding United States, and need to transfer through the USA to get to my destination, will my policy remain in effect?
Yes, your policy includes up to 5 days of transit coverage in the United States. I am a visitor to Canada. Is there a waiting period before I can be covered?
No, there is no waiting period if you purchase coverage before arriving in Canada. If you purchase coverage after arriving in Canada, there is a 48-hour waiting period. I am a visitor to Canada and plan to travel in Canada but would like to spend some time in the United States. Will my policy cover me if I have a medical emergency while in the United States?
Yes, you will be covered as long as over half of the days of coverage you purchase are spent in Canada. For example, if you purchase a 15-day policy, you must spend a minimum of 8 days in Canada and the other 7 days may be spent out of Canada.




Changing travel dates, cancelling, or extending my policy


If I have to change my travel dates, what should I do?
Contact Bureau d'Assurance Voyage by e-mail or phone prior to the effective date indicated on your Confirmation of Coverage to let us know your new travel dates.
If I have to cancel my policy because I cancelled my trip, what should I do?
If you want to cancel your policy for any reason, e-mail or phone Bureau d'Assurance Voyage to arrange your refund. You will receive a full refund if your policy is cancelled before the effective date. How do I extend my policy?
Call the phone number on your wallet card. You may extend your policy as long as it is still in force and you have not had a claim. If I want to extend my policy but had a claim, may I extend?
Call the phone number on your emergency wallet card and they will advise you if they could approve the extension.




Can I get a refund for days I don’t use, for example, if I come home early?


Yes, provided you have not incurred a claim or have a claim pending. All refund requests must be made in writing and postmarked within 30 days of the date you no longer require coverage. We require proof of the date you returned to your home province.




What do I do if I need to replace my emergency wallet card?


Call or e-mail Travel Insurance Office Inc. and we will send replacement cards to you by email.




Are these considered treatment?


Is taking a pill for a condition considered "treatment"? Yes, taking a prescribed medication for a medical condition is considered "treatment" for that condition. I have been prescribed a puffer to be used on an "as needed basis." Is this considered treatment for a condition? Yes. Any medication, including a puffer, which has been prescribed by a physician, even if you only use it occasionally, or you never use it, must be counted as a treatment for the condition for which it was prescribed. I have been prescribed a medication that I never use (such as a puffer for asthma or allergies or nitroglycerine for angina). Is this medication considered treatment? Yes, it is. Regardless of the fact that you may never use this medication, it has been prescribed to you because you were found to have the medical condition for which it is used to treat. Even if you never use it, you must count it as treatment for the condition for which it was prescribed. I do not have high blood pressure because of the pill I take. Do I have to consider this as "treatment" when answering your medical questions? Yes. You are taking that pill to keep your blood pressure at an acceptable level. You are being "treated" for high blood pressure. Do I have to count Aspirin as a medication? No. Do not count Aspirin or Entrophen as treatment.




If I purchase the wrong plan, will my claim be covered?


If you have a claim and the underwriters determine that you purchased the wrong plan, your claim will be denied and your premium will be refunded. It is very important to make sure you answer all the medical questions correctly. If you are unsure of anything regarding your medical history you must check with your physician.