SureAway™ Emergency Medical Travel Insurance Plan

With the SureAway™ Emergency Medical Travel Insurance Plan, you’re covered up to a maximum of $5,000,000 per person for eligible medical emergency costs while travelling out-of-province or abroad. SureAway coverage is available for single trips of up to 30 days in length.

With SureAway, your travel insurance includes:

• Emergency medical treatment
• Emergency dental care
• Professional fees for licensed specialists like physiotherapist, chiropractor, chiropodist, podiatrist or osteopath: $250 max. per profession
• Licensed private duty nurse: $5,000 max.
• Prescription drugs: limited to a supply of 30 days
• Medical appliances like wheelchair, braces, crutches, walker, etc.
• Ambulance/ground transportation to a medical services provider
• Accommodation and meals if receiving covered emergency treatment: $150/day for a max. of 10 days
• Child care benefit when parent is hospitalized: $100/day to a max. of 10 days
• Emergency medical transportation
• Return to province of residence
• Return of travelling companion
• Return of child/children and escort to departure point
• Return of Animal/Pet: up to $500
• Vehicle return: $2,000
• Emergency dental treatment necessary after returning home (within 90 days): $1,500 max.
• Repatriation of remains: $5,000

• 24-hour emergency travel assistance services:
• Travel document and ticket replacement assistance
• Legal assistance
• Emergency cash transfer
• Emergency message center.

If you have a pre-existing condition, it must be Stable for the 90 days immediately before your departure date.

This is a summary. For full details, see the Policy.

Like all emergency medical travel plans, the SureAway™ Emergency Medical Travel Insurance Plan has some limitations and exclusions.

SureAway does not offer coverage for medical treatment expenses related to:

• A pre-existing condition that does not meet the stability requirements
• The continued treatment or recurrence of a medical condition if you are able to return to Canada and choose not to return
• A medical condition for which you delayed or refused treatment or investigation before your departure date
• Treatment without prior approval, except on an emergency basis
• Amateur or professional sports, full-contact body sports, skydiving, hang gliding, bungee jumping, parachuting, mountain climbing, caving, heli-skiing, any skiing or snowboarding outside marked trails, any motorized race or motorized speed contest, SCUBA diving (unless certified)
• Pregnancy, childbirth or related complications within 9 weeks before or after the expected delivery date
• Mental, nervous or emotional disorders that do not require immediate hospitalization
• Intentional self-injury, suicide or attempted suicide
• Injury while under the influence of drugs or alcohol, while committing or attempting to commit an offence, or due to riot, civil disorder or voluntary exposure to risk, such as war
• Travel to a sanctioned country or to a country for which a travel advisory has been issued by the Government of Canada
• Any trip undertaken against the advice of a physician
• A medical condition that required treatment or surgery of which you were aware when you bought this plan.

If you do not notify the 24-Hour Emergency Assistance Hotline before seeking treatment or as soon as medically possible, the benefit payable may be reduced. Prior medical history may be reviewed when a claim is submitted. For certain expenses, including medical expenses, you may need to obtain approval prior to incurring the expense.

This is a summary. For full details, see the Policy.

Canadian residents under 65 years of age who have valid provincial health insurance plan coverage (Quebec residents must have RAMQ) are eligible to apply. Children must be older than 15 days to be eligible for SureAway™ Emergency Medical Travel Insurance Plan coverage. Premiums must be paid before the trip departure date to initiate benefit coverage.

To make a claim and for assistance during a medical emergency while you’re travelling, call Allianz Global Assistance’s 24-Hour Emergency Assistance Hotline:

Toll-free 1.866.617.4582 from Canada, the US, Puerto Rico and the US Virgin Islands

Collect 1.519.514.1542 from outside the toll-free areas.

It’s important that you call before seeking medical treatment, or as soon as medically possible. (If you do not, the benefit payable may be reduced.)

Q: Who is the insurer of this emergency medical travel insurance plan?

A: SureAway™ Emergency Medical Travel insurance is underwritten by CUMIS General Insurance Company, a member of the Co-operators group of companies.

SureAway Emergency Medical Travel insurance is administered and distributed by Allianz Global Assistance under a networking agreement with Green Shield Canada. Allianz Global Assistance is a registered business name of AZGA Service Canada Inc. and AZGA Insurance Agency Canada Ltd.

SureAway is a trademark of Green Shield Canada.

Q: What is emergency medical travel insurance and why do we need it?

A: In a publicly funded healthcare system, Canadians are accustomed to receiving quality care at little or no direct cost to them, regardless of where the treatment is provided. Provincial health plans limit your coverage when travelling to another province. Some provincial plans do not cover healthcare expenses incurred outside Canada; others cover only a fraction.

An accident, illness or emergency can happen anywhere. Emergency medical travel insurance plans are designed to cover losses arising from sudden and unforeseeable circumstances. In general, these travel insurance plans provide protection for unforeseen unexpected medical emergencies that may occur while travelling outside your home province. Emergency medical benefits may include coverage for a hospital stay, transportation by a ground or air ambulance, the return to your home province, emergency dental treatment, a companion's travel to your bedside, and more*.

*Refer to the Policy for a complete list of the SureAway Emergency Medical Travel insurance plan’s benefits, terms and conditions, limitations and exclusions.

Q: What will the 24-hour assistance service do for me?

A: Allianz Global Assistance offers a 24-Hour Emergency Assistance Hotline. Multilingual associates draw on a wealth of experience to provide you with immediate access to information and direction. Allianz is available to help you through your travel emergencies. Call Allianz Global Assistance:

Toll-free 1.866.617.4582 from Canada, the US, Puerto Rico and the US Virgin Islands

Collect 1.519.514.1542 from outside the toll-free areas.

Q: Who can I call if I have questions about SureAway Emergency Medical Travel insurance?

A: If you have questions or want to purchase a travel insurance plan, call 1.866.617.4582.

Q: Can I cancel my travel insurance plan prior to departure for any reason and get all my money back?

A: You can cancel your SureAway Emergency Medical Travel plan and receive a full refund of premium within 10 days of the date you purchase your coverage, as long as you have not left on your trip or filed a claim.

Q: Will I have to pay out of pocket for any medical expenses?

A: Whenever possible, Allianz Global Assistance will arrange billing directly with the health providers our customers visit. However, international borders can sometimes limit Allianz Global Assistance’s ability to do so. It is always a good idea to bring an extra reserve of funds in case any unexpected emergencies occur where advance payment is required. If access to emergency funds is needed to cover these expenses, the 24-Hour Emergency Assistance Hotline Service, provided by Allianz Global Assistance is there to help.

Q: Am I required to contact anyone prior to seeking medical treatment on a trip?

A: You need to contact Allianz Global Assistance prior to seeking treatment as it allows Allianz Global Assistance to assess the situation, open a medical case to monitor care, and to help the patient locate a suitable provider in their area. In the case of a life-threatening emergency where the insured person is unable to reach Allianz Global Assistance, the covered person should seek treatment immediately at the nearest health facility and have a travelling companion or health facility employee contact Allianz Global Assistance on his or her behalf as soon as possible. In these situations, the claim would be reviewed to determine whether or not contact prior to treatment would have been possible and a claim or expense may be denied if Allianz Global Assistance was not promptly contacted by the covered person or by someone calling on his or her behalf.

Please make every effort to call Allianz Global Assistance’s 24-Hour Emergency Assistance Hotline:

Toll-free 1.866.617.4582 from Canada, the US, Puerto Rico and the US Virgin Islands

Collect 1.519.514.1542 from outside the toll-free areas.

Q: Is there a deductible on this plan?

A: No. There is no deductible on this plan.

Q: Are pre-existing medical conditions covered?

A: Pre-existing medical conditions may be covered as long as they are Stable for the 90 days immediately preceding the departure date.

Q: What exactly does ‘Stable’ mean?

A: We believe in being clear with our customers, so the Policy has a very specific definition for ‘Stable’.

Stable means that during the 90 days immediately preceding your departure:

1. Your pre-existing/pre-diagnosed medical condition has been controlled by the consistent use of the same medications and dosages (excluding changes in medication that regularly occur as part of your ongoing treatment, or decreases in dosage resulting from an improvement in your pre-existing or pre-diagnosed medical condition) prescribed by a legally qualified medical professional
2. Your pre-existing/pre-diagnosed medical condition has not, in the reasonable opinion of a legally qualified medical professional, required additional treatment for a recurrence, complications or any other reason related either directly or indirectly to your pre-existing or pre-diagnosed medical condition
3. You have not consulted a legally qualified medical professional for, or had investigated or diagnosed, a new medical condition for which you have not received medical treatment
4. You have not scheduled/are not awaiting any future appointments for non-routine examinations, consultations, tests or investigations (including results) for an undiagnosed medical condition; and
5. You have not scheduled/are not awaiting any exploratory surgical procedures for an undiagnosed medical condition or surgical procedures for a diagnosed medical condition.

Q: Are there limitations and exclusions?

A: The limitations and exclusions for the SureAway Emergency Medical Travel insurance plan are detailed in the Policy.

Q: Am I eligible?

A: You must be a Canadian resident under 65 years of age and have valid provincial health insurance plan coverage (Quebec residents must have RAMQ) to be eligible to apply for SureAway Emergency Medical Travel coverage.

Q: Are there defined terms I need to know?

A: With emergency medical travel insurance, certain terms have defined meanings. The definitions are detailed in the Policy.

Q: Can I extend my travel insurance coverage when I’m away?

A: Yes, as long as the full period of coverage doesn’t extend past 30 days. Call Allianz Global Assistance:

Toll-free 1.866.617.4582 from Canada, the US, Puerto Rico and the US Virgin Islands

Collect 1.519.514.1542 from outside the toll-free areas.