Chapter 8 Flashcards
Why do people need coverage when traveling inside Canada?
Many provincial hospital plans do not insure ambulance charges, family visitation, repatriation, or return of vehicle
Why do people need coverage when traveling outside Canada?
Most provincial plans do not cover fees charged in other jurisdictions for injury or illness above amounts prescribed by home province
What are two requirements to qualify for travel insurance coverage?
- Client must be a permanent resident of Canada
- Client must be covered under provincial or territorial health care plan
When does a single trip policy have to be purchased?
Coverage on single trip policies have to be purchased prior to departure
When does a single trip policy coverage end?
Single trip policies coverage ends when client returns to home province or territory or no later than the number of days following the stated departure date
When does an annual policy coverage end?
Annual policy coverage ends when client returns to home province or territory for each trip during policy year
Define “Dependent Child”
Dependent child means any natural child, stepchild, legally adopted child or legal ward of the insured applicant, residing in Canada who is:
- 20 years of age and under, unmarried and receiving full support and maintenance from the insured applicant and residing with the insured applicant
- Less than 26 years of age, unmarried and receiving full support and maintenance from the insured applicant for a reason of full time attendance at a Canadian accredited institute, college or university,
- Receiving full support and maintenance from the insured applicant by reason of mental or physical infirmity
Define “Supervised Condition”
A diagnosed medical condition, illness or injury for which you require diagnostic testing, investigation or referral not yet completed, or for which the results are still unknown that requires constant, consistent treatment and is controlled with medication without change for:
- at least three months preceding the date of departure if your are under the age of 60
- at least six months preceding the date of departure if you are age 60
- if you have taken medication for a cardiac condition or related condition at any time within six months
Describe what teeth will be insured and what type of teeth will not be insured.
Sound teeth will be insured. Sound teeth include teeth where some part of the tooth is natural including capped teeth and teeth that have undergone root canal.
Teeth considered not insured include false teeth and plates.
Identify three expenses insured as an outpatient.
- Outpatient emergency room charges
- Treatment by a legally qualified physician or surgeon
- X rays and laboratory examinations that are required for diagnostic purposes
Describe the types of drugs insured by travel insurance policies.
Travel insurance policies will insure prescription drugs prescribed by a doctor following an injury or illness incurred during policy term
Identify three exclusions found in most travel insurance policies.
- Alcohol related illness or abuse
- Participation in hazardous activities
- Expenses resulting from AIDS
Explain the significance of the alcohol related injury exclusion.
Some alcohol or drug exclusions remove coverage for illness or death when impaired. This could result in expenses clients incur from injuries occurring while client is impaired.
Identify three activities considered hazardous in travel insurance policies.
- Hang gliding
- Parasailing
- Bungee jumping
Identify three expenses insured by the “Emergency Medical Insurance” component of Travel Insurance policies
- Treament by a legally qualified physician or surgeon
- X-rays
- Laboratory exams that are required for diagnotic purposes
What is the maximum duration of coverage provided by single trip policies?
Six months is the maximum period allowed on single trip policies
When must single trip travel insurance policies be purchased?
Must be purchased prior to the departure
When does coverage for single trip policies cease?
Upon return to home province or when the number of days following date of departure, for which the policy was purchased, has expired
Identify three expenses usually not insured by provincial health insurance plans which may be incurred by clients when traveling inside of Canada
- Ambulance charges
- Family visitation
- Repatriation
Identify three situations considered “supervised conditions” by most travel insurance policies (coverage may not be offered)
- When client’s condition is being controlled by treatments without change, for 3 months and the client is under 60 years old
- When client’s condition is being controlled by treatments without change, for 6 months and the client is over 60 years old
- When client has taken medication for cardiac condition at any time in the last 6 months
