Frequently asked questions (FAQ)
Questions about all our plans
Questions about our plans for Canadians
Yes, by default our plans have a $0 deductible, but clients can save with higher deductibles on single-trip and multi-trip emergency medical plans:
|Premium savings||Deductible per claim (CAD$)|
Note: Deductible options are not available for all-inclusive (single-trip or multi-trip) plans.
Questions about our plans for visitors to Canada
Yes, by default our plans have a $75 deductible, but your client can pay a little more for a $0 deductible or save with higher deductibles on emergency medical plans:
|Premium surcharge/savings||Deductible per claim (C$)|
|5% surcharge||$ 0|
|0% surcharge||$ 75|
|15% savings||$ 500|
|20% savings||$ 1,000|
|25% savings||$ 2,500|
|35% savings||$ 5,000|
Note: Deductible options are not available for trip interruption insurance.
Yes, with Plan A, whether or not your client adds trip interruption insurance. Family coverage is not available with Plan B.
Family coverage covers the applicant, the appliant's spouse and dependent children, and all family members must be under age 60. The cost for Plan A emergency medical benefits (including travel accident insurance) is twice the premium for the oldest traveller under age 60. The cost for Plan A trip interruption insurance is three times the premium for the oldest traveller under age 60.
Questions about our plans for students
Your client can call the Assistance Centre to request an extension as long as the plan has not expired and:
- The period of coverage does not extend beyond 365 days
- The client remains eligible for insurance under this plan
- The plan is not changing from single to family coverage
If your client has a medical condition or pending claim, the Assistance Centre must evaluate and approve the extension.