Travel Insurance

Question 1

What is the maximum amount of time a person can reside outside of Ontario to qualify for OHIP?

Answer 1

212 days

Question 2

What are the maximum daily payments for emergencies under OHIP?

Answer 2

$50 outpatient services
$200 inpatient care
$400 inpatient care in operating room

Question 3

Who most commonly would purchase a Group Insurance Plan?

Answer 3

Employers

Question 4

What length of time can a Single Trip Daily Plan cover?

Answer 4

1 to 212 days

Question 5

1) For how long can an extension be given to a Single Trip Daily Plan?
2) For what conditions?

Answer 5

1) Up to 72 hours
2) Emergency involving the insured
Common Carrier Delay
Weather-related Delay
OR
When the insured wishes to extend duration of trip and no new condition has developed

Question 6

1) What does Multi-Trip Annual Plan cover?
2) For how long?

Answer 6

1) Coverage for unlimited number of trips
2) 30, 60, 90, 120 days within a continuous 365-day period commencing from the effective date

Question 7

1) What is Expatriate Insurance?
2) When does it become effective?

Answer 7

1) Worldwide coverage plan for Canadian citizen residing outside of Canada for extended period of time
2) After GHIP coverage expires

Question 8

When can a Top-Up be purchased?

Answer 8

When the duration of a Multi-Trip Annual Plan ends

Question 9

When does coverage end for a Multi-Trip Annual plan?

Answer 9

Every time the insured returns home
When the number of purchased days expire
Policy term ends

Question 10

What does Excess Hospital & Medical cover?

Answer 10

Hospital accommodation & physician services in excess of limit that GHIP allows

Question 11

What does Extended Health Care cover?

Answer 11

Private duty nursing, prescribed medication, diagnostic tests, medical appliances, local & air ambulance, services of other medical professionals

Question 12

What does Out of Pocket Expenses cover?

Answer 12

Additional costs of insured & travelling companion when insured is hospitalized
i.e. telephone charges, meals, hotel stays, taxi trips

Question 13

What does Child Care Attendant cover?

Answer 13

Cost of child care attendant while insured is hospitalized

Question 14

What does Coming Home cover?

Answer 14

Pays for cost of being returned to your province for immediate medical attention at the recommendation of attending physician

Question 15

What does Transportation to the Bedside cover? (4)

Answer 15

• Round trip economy airfare & accommodation for direct family member to be with insured who is hospitalized
• Return of the deceased
• Bringing dead body home (repatriation) in a standard airline container
• Fly someone to legally identify & release the body

Question 15

What does Emergency Dental cover?

Answer 15

Costs associated with a direct blow to the mouth

Question 15

What is NOT covered in terms of Trip Cancellation/Interruption?

Answer 15

If there is a reasonable expectation that the trip will be cancelled prior to departure
ex. going to see dying grandma, grandma dies before leaving

Question 15

What is the difference between Trip Cancellation and Trip Interruption in terms of when it applies?

Answer 15

Trip Cancellation = before the trip
Trip Interruption = during the trip

Question 15

What does Flight Accident cover?

Answer 15

Death, loss of limb or sight, due to aircraft accident
REMEMBER THIS IS AN OPTIONAL COVERAGE

Question 16

What are the 12 Sporting Activities Exclusions?

Answer 16

1) As a paid professional
2) Hang-gliding
3) Rock Climbing
4) Mountaineering
5) Parachuting
6) Para-sailing
7) Skydiving
8) Bungee Jumping
9) Snorkelling
10) Scuba Diving
11) Cave Exploration
12) Motorized Speed or Racing Contests

Question 17

What is a pre-existing medical condition?

Answer 17

Sickness, injury, or medical condition which existed on or prior to the effective date or any departure date
- Diagnosis or a visit to a medical professional is not required

Question 18

What is an Unstable Condition?

Answer 18

Sickness or injury that would cause an ordinarily prudent person to expect to need medical treatment or investigation following departure

Question 19

What policy specifically excludes all pre-existing conditions?

Answer 19

Visitors to Canada Insurance policy

Question 20

What is the first step in a claims process?

Answer 20

Call the Emergency Assistance Hot Line number

Question 21

Travel Health Insurance will only pay after all coverage from all other types of ____________ have been exhausted.
Examples

Answer 21

Existing benefits such as:
GHIP (OHIP)
Group Insurance Plans
Habitational Insurance
Automobile Insurance (OAP 1 Accident Benefits)
Credit Card Policies (when the credit card was used to pay for airfare or a travel package)

Question 22

What is a snowbird?

Answer 22

Canadians aged 55+ who spend 31+ consecutive nights outside Canada

Question 23

What is the definition of a Medical Emergency?

Answer 23

Unexpected & unforeseeable sickness or injury which requires immediate non-discretionary medical attention, treatment or care

Question 24

What is the definition of Injury?

Answer 24

Sudden bodily harm that is directly caused by an accident during an insured trip, and that is independent of sickness and all other causes.

Question 25

What is the definition of Accident?

Answer 25

Unintentional and sudden event due exclusively to an external cause inflicting, directly and independently of all other causes, bodily harm

Question 26

What is the definition of travelling companion?

Answer 26

Any person, up to a specified maximum number of persons, including the insured, who is sharing prepaid accommodation and/or transportation arrangements with the insured

Question 27

What is the definition of Critical?

Answer 27

In danger of death or life-threatening

Question 28

What is the definition of Reasonable and Customary?

Answer 28

Costs that are customarily charged for covered benefits and that are not in excess of the standard fee for the geographical area where the charges are incurred for comparable medical treatment, services, or supplies from a similar sickness or injury

Question 29

What a definition of Common Carrier?

Answer 29

A public land, air, or water conveyance licensed to carry passengers for hire