VISITORS TO CANADA MEDICAL INSURANCE

There have been many changes made to the “V05” version of the 21st Century Travel Insurance Visitors to Canada Insurance policy. We urge you to read this bulletin carefully, and then review the new policy from cover to cover to fully understand the terms and conditions. In particular, you should review the new pre-existing condition exclusions (Excl. 1 & 2) and be aware that coverage for Stable Chronic Conditions, known as the “SCC Option” is now optional beginning at age 60 (formerly optional beginning at age 70). Because of this change, family rates are only available if all family members are under age 60.
In particular, please note the following changes in the policy:

• The pre-existing condition exclusion has been re-written. It has the same intended meaning as before, but should now be easier to read and understand.

• All policy definitions should be reviewed but look closely at the definition of Deductible Amount which explains the new Disappearing Deductible.

• The wallet card is now attached to the cover of the policy for your convenience. We have also now contracted with ACM (“Active Care Management”) to provide 24 hour/7 days a week claims assistance so there is a new toll-free phone number to report emergency claims plus a new collect call number that can be used to report claims from outside of Canada. The Claims Assistance phone number of 1-866-228-6386 that was on prior versions of our Visitor’s plan is still being used, but now that number is to be used for general claim enquiries, status updates, etc. - in other words, once there is no longer an emergency element to the claim.

OTHER COVERAGE CHANGES

• $150,000 Policy Limit is no longer available from age 60 to 69. The $150,000 Aggregate Policy Limit was previously offered up to age 69, but will now only be available to age 59. Note that we still offer the bonus feature on the $100,000 option (up to age 85). With the bonus feature, up to $100,000 is provided for hospital/medical expenses resulting from sickness and up to $150,000 for hospital/medical expenses resulting from an injury.

• Reminder – We still cover uninterrupted flights to and from Canada!

• Reminder – Our Territorial Limitation is still extremely flexible. Insurance to start in another country prior to the visit to Canada (max 15 days). You can also continue coverage for a short stay in another country after they leave Canada following their visit (max 15 days). The maximum overall number of days allowed outside of Canada (before, during or after the visit) is still 30 days.