The Destination Travel Group: Visitors to Canada Medical Insurance

Destination Canada Insurance

Destination Travel Group Inc. Insurance Calculator

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End Date In New Immigrants/Returning Canadians/Foreign Workers mode, the End Date is set automatically to the minimum amount of days required for the specific province you choose. If you would like to manually set your End Date, please select IEC/Tourist/Visitor/Working Holiday mode.
 
If you have a stable existing medical condition, such as a damaged or sick organ, select Yes. If you do not have an existing medical condition, select No. Conditions that are not stable are not covered. Also, some specific conditions, such as heart disease, may not be covered. Please read this company's full coverage details to determine what pre-existing conditions are covered by this company. Pre-Existing Conditions
 

The Destination Travel Group: Visitors to Canada Insurance

 

Summary of Benefits:

Eligible For Super Visa, Visitors, New Immigrants, Foreign Workers, Returning Canadians and IEC / Working Holiday.
Coverage Amount $10,000 / $25,000 / $50,000 / $100,000 / $150,000 / $300,000
Medical Emergency Care Up to sum insured
Hospitalization Up to sum insured
Physician Services Up to sum insured
Laboratory Diagnostics / X-Ray Up to sum insured
Ambulance Services Up to sum insured
Registered Nurse Services Up to $10,000
Prescription Medication Up to $500 for 1 month supply
Medical Specialist Services (chiropractor, osteopath, etc.) Up to $500 for outpatient treatment
Family/Friend Transportation Up to $3,000 / $1,000 meals an accommodation
Follow Up Treatment Up to $3,000
Accidental Dental Repair Up to $3,000
Dental Pain Relief Up to $500
Meals and Accommodation Up to $1,500 for 10 days while hospitalized
Repatriation Up to $3,000
Return of Deceased Up to $10,000
Cremation/Burial Up to $4,000
Accidental Death & Double Dismemberment Up to sum insured not exceeding $150,000
Single Dismemberment Up to 50% of sum insured
Flight Accident Up to sum insured not exceeding $50,000
Rental of Medical Appliances
Side-Trips Benefit

Side-Trips Benefit:

 
Your Visitors to Canada insurance coverage is active, while you are travelling outside Canada, except for your country of origin/citizenship or any other country, where you are eligible for a government healthcare. You must spend the majority of policy period time in Canada (at least 51%) prior going on a side trip in order to be eligible for the benefit.

Flight Accident Coverage:


With the Destination Canada’s insurance for Visitors to Canada and Super Visa, your insurance coverage begins when you get on board of your flight to Canada. Please note that the Effective Date you select for your policy should be the date you leave your country of origin or permanent residence adjusted to the time zone of your destination in Canada.

Trip-Break Benefit:


You are allowed to visit your home country with an intention to return to Canada during the period of insurance coverage without having to cancel your policy. However, the costs incurred for any medical services in your country of origin are not covered by the Destination Canada.

Policy Wording:


Policy Wording is the official document that outlines and explains the benefits payable, eligibility requirements, exclusions and limitations as well as claims and refund procedures.

Click to download – The Destination | Policy Wording

Eligibility Requirements:


As of the effective date, in order to be found eligible for Visitors to Canada with The Destination: Travel Group Inc. coverage, a person to be insured MUST:

– Be at least 15 days old.
– Not be eligible and covered under any provincial or territorial health insurance plan in Canada. However, if you become insured by the Government Health Insurance Plan in the province of your temporary residence after the effective date of your policy with the Destination Canada, you are allowed to keep the policy, which would only apply to the services in excess of the provincial insurance you have.
– Be in good state of health with NO reason to seek medical attention.

 
Coverage is NOT AVAILABLE to any individual who, as of their effective date:

– Has been diagnosed with a terminal sickness.
– AIDS/HIV positive.
– Has been prescribed/used home oxygen during the last 12 months.
– Has been diagnosed with/received treatment for a congestive heart failure.
– Has had a major organ transplantation.
– Has been treated with kidney dialysis within the last 12 months.

 

Waiting Period:


There will be NO waiting period, if an Insurance Policy is purchased prior to your arrival in Canada. Or before the expiry date of an existing emergency healthcare plan with The Destination: Travel Group Inc.

Any individual, who is 85 years old and younger is a subject to a 48-hour waiting period, if:

a) The policy is purchased after the expiry date of an existing DTGI policy.
b) The policy is purchased after the arrival in Canada.

People over 86 years old are subjected to a 15-day waiting period for the above conditions.

Important Notice: Any sickness that manifests itself during the 48-hour waiting period is not covered under this insurance plan.

 

Pre-existing Medical Conditions:


Medical emergency insurance coverage with The Destination: Travel Group Inc. is ONLY provided for:

Applicants age 79 and under: You can choose to include the coverage for pre-existing medical conditions, provided that they have been stable for the last 120 days prior to the effective date.
Applicants age 80 and over: Pre-existing medical conditions are not covered.

 
Important Notice: There are other Exclusions and Limitations applicable. In order to go over it, please refer to the Policy Wording.

Click to view – The Destination | Policy Wording

 

Making a Claim with Destination Canada:


If you have a medical emergency, you or someone on your behalf has to notify SelectCare Worldwide immediately, if it is possible, or within the first 24 hours of hospital admission. Failure to contact SelectCare within the specified time will reduce the payable benefits by 20%.

 
SelectCare Worldwide is available 24-hours a day, 7 days a week.

– Toll-Free – 1.866.261.1723 (within Canada)
– Collect – 416.340.1553 (Worldwide)

 
Important Notice:

– All claims must be reported within 30 days of occurrence.
– Written proof of claim must be submitted within 90 days of occurrence.
– Any costs incurred for documentation or required reports are the claimant’s responsibility.
– All eligible claims must be supported by original receipts from commercial organizations.

 
In order to file a claim you will need to:

– Fill out a Claim Form and attach all original medical receipts for treatment and prescription medication.
– Send the form with your receipts to:

2100-250 Yonge Street, Toronto,
Ontario, Canada
M5B 2L7

 
Click to Download – Destination Canada | Claim Form

 

Premium Refunds:

Under no condition will a refund be made, if a claim has been incurred or paid, or is pending.

 
Full Refunds will be available for the insured, who:

– Cancel their entire trip to Canada before the effective date.
– Have received a refusal of the Super Visa application.

 
Partial Refunds are issued with a $25 cancellation fee to people insured, who present a proof of:

– Early departure to the country of origin/citizenship without any intention of coming back to Canada such as a copy of the Boarding Pass.
– Eligibility / coverage under any Provincial/Territorial Healthcare Plan in Canada such as a copy of the official enrollment letter or the provincial health insurance card.

Partial refunds are calculated using daily insurance premiums – a number of days left on the policy before it expires. Moreover, Partial Refund amounts less than the minimum premium of $25 will not be issued.

 

Important Notice: A fee of $150 may apply if cancelling an insurance coverage issued for one year or more prior to the effective date without eligible reason for cancellation.

Whether it is a Full or a Partial Premium Refund due to Super Visa application being rejected, Early Departure from Canada or the Provincial Health Insurance Enrollment, you need to present the official explanation i.e. copy of a Boarding Pass / Letter of Enrollment / Rejection Letter in order to avoid the penalty.

 
Please, carefully read the Policy Wording to learn more about premium refund procedures.

Click to view – The Destination | Policy Wording

Please note that the above information is only a summarized version of the insurance benefits and conditions detailed in the official Policy Wording issued by the Destination Travel Group Inc.