Destination Travel Group

Benefits

– Maximum benefits: $10,000; $25,000; $50,000; $100,000; $150,000; $300,000 – Emergency Hospital: Semi-private hospital accommodations.
– Physician, surgeon, or anesthesia services – Private registered nurse services up to $10,000* – Diagnostic services: Laboratory tests and/or X-ray examination as ordered by a physician for diagnostic purposes. – Transportation by ambulance: licensed local air, land or sea ambulance (including mountain or sea evacuation) to the nearest hospital, when reasonable and necessary. – Emergency air transportation: such as air ambulance
, one-way economy airfare, stretcher, and/or a medical assistant to transport you to your home country due to a covered emergency illness or injury * – Medical Device: Rental of crutches or hospital-type bed, not to exceed the price of purchase, and cost of approved splints, frames, braces, or other prosthetic devices. – Prescription Drugs: 30-day supply up to $1,000 per policy. – Professional medical services referred by a physician (care received from a licensed physical therapist) up to $500. The service of a chiropractor, osteopath, chiropodist, and podiatrist: Up to $500 for outpatient treatment. – Accidental Dental: Up to $3,000
for the emergency treatment of sound or whole natural teeth damaged by an accidental direct blow to the face. – Dental Emergencies: Up to $500 for immediate relief of acute dental pain. – Follow-up visits: up to $3,000 as long as they are directly related to the emergency** – Emergency return home: up to $3,000 for the cost of inexpensive one-way transportation to your home country, if the covered illness or injury requires your Immediate return home during the coverage period. This benefit also includes an additional insured family member. – Return of deceased (repatriation): up to $10,000 to return the body to the country of origin, or up to $4,000 for cremation or burial at the place of death. The cost of a casket or urn is not covered.
– Child Care Expenses – (Assistant) up to $50 per day up to a maximum of $500 for the attendant to care for your fellow travelers under the age of 18, or fellow travelers with physical or mental disabilities who are dependent on you for receive assistance, if you are hospitalized for 48 hours or more as a result of an emergency, – Meals and lodging – if you or your insured travel companion are hospitalized on the date you are scheduled to return home: up to $150 per day up to a maximum of $1,500, or up to a maximum of 10 days for business lodging, meals, child care costs, essential phone calls, and taxi fares incurred by you or any insured traveling companion. – Transportation of Family or Friends: Up to $3,000 for inexpensive round-trip transportation to transport a family member or close friend to your bedside when directed by a treating physician OR to identify your remains in the event of your death. Up to $1,000 for lodging, meals, essential phone calls, and taxi fares incurred by your family member or close friend after arrival* – Accidental Death and Dismemberment:
up to the maximum sum insured selected at the time of application, not to exceed $150,000 for accidental loss of life, limb or sight (excluding flight accident). – Flight Accident – ​​Up to $50,000 per death resulting from a flight accident. – Flight Coverage to/from Canada: Coverage begins no later than the following: a) the date and time Destination Travel Group Inc. or its agent accepts the completed application and premium; or b) the date indicated as the effective date on your confirmation of coverage; or c) the date and time you leave your country of origin.
* Must be pre-approved by the Help Center. ** Follow-up means re-examining you for the effects of previous treatment related to the initial emergency, except while you are hospitalized. Follow-up does not include continuing or ongoing treatment, additional diagnosis, or investigational tests related to the initial emergency.

Exclusions

This policy will not provide coverage, provide services, or pay claims for expenses incurred directly or indirectly as a result of:

• If at the time of application, you are 59 years of age or under and selected: Option 1: Any pre-existing medical condition unless it was stable in the 90 days immediately before the effective date.
• If at the time of application, you are between 60 and 69 years of age and select Option 1: Any pre-existing medical condition unless it was stable in the 120 days immediately before the effective date.
• If at the time of application, you are between 70 and 79 years of age and selected Option 1: Any pre-existing medical condition unless it was stable in the 180 days immediately before the effective date.
• If at the time of application, you are 79 years of age or under and selected Option 2: Any pre-existing medical condition.
• If at the time of application, you are 80 years of age or over: Any pre-existing medical condition 

Claims

1. Claims must be reported within 30 days of their occurrence.
2. Written proof of claim must be submitted within 90 days of the occurrence.
3. Any costs incurred for required documentation or reports are the responsibility of you or the claimant.
4. To submit your claim, please complete the claim form completely and include all original bills. Incomplete information will cause delays.
5. All eligible claims must be supported by original receipts from commercial organizations.
SEND CLAIMS TO: Active Care Management PO Box 1237, Station A Windsor, ON, N9A 6P8

1-866-520-8823

Refunds

Important Notes: 

Premium refunds, regardless of method of payment, must be obtained from the agent/broker where coverage was originally purchased and submitted to The Destination: Travel Group Inc.

Refunds will be:

• considered if the request for premium refunds is received no more than 90 days after the expiry date of the policy; and
• calculated based on the date the refund request is received by The Destination: Travel Group Inc.; and
• subject to a $25.00 administration fee applied by The Destination: Travel Group Inc. and a minimum refund of $25.00.

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

For the Monthly Payment Plan, the deposit premium becomes non-refundable once the policy becomes effective.

Extensions

You can extend your coverage period before your policy expires by calling your agent or TuGo during general business hours.
An administrative fee may be charged in addition to the premium for the additional number of days required. You must meet the following conditions:
1. You have not filed a claim and do not intend to file a claim. 2. Your coverage period has not yet expired. 3. Extensions are not available if the total duration of the trip exceeds two years from the effective date of the original Policy. 4. You have not seen a physician or other registered physician since your departure date or the effective date of the Policy. 5. You are not currently experiencing any symptoms and are not aware of any reason to seek medical attention. If these conditions are not met, an extension may be authorized at the discretion of TuGo. If an extension has been authorized, there will be no coverage for subsequent claims related directly or indirectly to the condition(s) or symptom(s) for which a claim has been or will be filed or for which a claim was received or required. medical treatment before. until the effective date of the extension.

SECONDARY TRIPS:
Travel outside of Canada: Worldwide travel during the coverage period is valid as long as the majority of the coverage period is spent in Canada and you have traveled to Canada first before taking additional trips outside of Canada. Visits to your country of permanent residence are allowed; your Policy will not terminate, however expenses will not be covered while you are in your country of permanent residence.

Eligibility

Coverage is NOT AVAILABLE to any individual who:

• has been diagnosed with a terminal illness; or
• has been diagnosed with or received treatment for pancreatic cancer, liver cancer or any type of cancer that
• has metastasized (migrated to another organ from its original site); or
• has been prescribed or used home oxygen in the last 12 months; or
• has been diagnosed with or received treatment for heart failure; or
• has had a major organ transplant (heart, kidney, liver, lung), or
• has received kidney dialysis treatment in the last 12 months; or
• has a diagnosed aneurysm of 4 centimeters or more in either length or diameter, that has not been surgically repaired; or
• has been advised by a physician not to travel.

Effective date means the date and time coverage starts. Coverage begins on the latest of the following:

• the date and time the completed application and premium are accepted by The Destination: Travel Group Inc. or its agent/broker; or
• the date indicated as the effective date in your confirmation of coverage; or
• the date and time you exit your country of origin.

Note: If your effective date is more than 3 years from your purchase date we will cancel and refund your policy.

A waiting period will be applied if you purchase this insurance:

• after your arrival date in Canada; or
• after the date your existing Destination: Canada policy expires; or
• after the date of any other existing health insurance coverage expires.

The following waiting period will apply, and no claims will be payable for any sickness for which signs and symptoms occurred within:

• 48 hours after your effective date if you purchased within 30 days after your date of departure from your country of origin.; or
• 10 days after your effective date if you purchased more than 30 days after your date of departure from your country of origin.

Any sickness that manifests itself during the above waiting period is not covered even if related expenses are incurred after the waiting period.

The waiting period will be waived if this insurance is purchased:

• before the date of departure from your country of origin; or
• before the date your existing Destination: Canada policy expires; or
• before the date any other existing health insurance coverage expires and there is no lapse or gap in coverage.

In the event of a claim, you must provide satisfactory proof of your previous insurance coverage in order to have the waiting period waived.

Monthly payment plan

Monthly Payment Plan: 

• The Monthly Payment Plan is only available to applicants purchasing a minimum coverage period of at least 180 days and a minimum aggregate policy limit of $50,000.
• A deposit of 2 months of premium payable by credit card with a premium surcharge of 10% is due at time of application.
• The premium surcharge applies for the whole term of the policy.
• A third month of premium is payable on the effective date of the policy, as shown on your payment schedule included with your confirmation of coverage.
• After that, recurring credit card payments will be made each month on that date.
• If the policy effective date falls on the 29th, 30th, or 31st day of a month, monthly premiums will be billed on the 28th day of each month.
• If the arrival date is postponed, or cancelled, the policyholder must contact their agent/broker, prior to the effective date to either:
  • change the policy effective date to a future date; or
  • request a refund of premium paid, see Refunds on page 8 for details.
• You may pay the outstanding premium for the full period of coverage at any time.
• The monthly premium surcharge will apply to the outstanding premium balance. If DTGI is unable to charge the credit card on file, an email notification from notify@destravel.com will be sent immediately to the email you provided on your application (Your agent/broker will be copied on the email.)
• You will have 30 days from the emailed notice to pay the outstanding premium.
• A $25 processing fee may be charged in the event of each failed payment.
• If we are unable to collect the premium, the policy will be terminated on the paid-to date.
• Once your policy is terminated, you will not be able to reinstate the policy and no grace period will be permitted.
• If the Government of Canada issues you an entry permit that is different than the one you applied for, you may:
  • request a refund of any premium paid, see Refunds on page 8 for details; or
  • change from a monthly payment plan to payment in full.
• Any request must be received prior to the effective date of your policy.
• Proof of the change in entry permit will be required.
• Once your policy becomes effective, your deposit premium becomes non-refundable.