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Single Trip Travel Medical

If you're travelling out of province/country, a medical emergency can quickly turn into a financial nightmare. Costs for ambulances, hospital stays, medical consultations or emergency air transport can deplete your savings and take your attention away from the task of recovering. With Travel Medical insurance, you're covered if you suffer a medical emergency while travelling outside your home province/country – protecting both your health and your wallet.



Comprehensive coverage

With Travel Medical insurance, you're covered for a wide range of medical expenses you may face while travelling out of province/country, including:

  • Emergency hospital, ambulance and medical expenses – The costs incurred for hospital room and board charges, up to semi-private or the equivalent, are covered under this Plan. Other covered expenses include treatment by a physician, diagnostic tests, licensed ambulance service, emergency room charges, and prescribed drugs and medication. Rental or purchase of minor medical appliances, such as wheelchairs and crutches, is also covered.
  • Private duty nursing – If medically necessary and while hospitalized, up to $5,000 is available for the professional services of a registered nurse.
  • Emergency air transportation or evacuation – Depending on the situation, an insured person may be covered for the costs of air ambulance or airline transport for emergency return to the province or territory of their residence. The expense charged by an accompanying medical attendant on the flight may also be covered.
  • Other professional services – The professional services of a physiotherapist, chiropractor, osteopath, chiropodist or podiatrist are covered to a maximum of $150 per insured per professional service.
  • Emergency dental expenses – If an insured person suffers an injury to the mouth and is treated during their trip, the repair or replacement of natural teeth or permanently attached artificial teeth is covered to a maximum of $2,000 per insured person.
  • Transportation to the bedside – If an insured person is travelling alone when a medical emergency occurs, an immediate family member can be covered for one round-trip economy airfare, plus lodging and meals up to a maximum of $250 to be with the insured in the hospital.
  • Return of deceased – In the event of the death of an insured person while on a trip, this insurance covers up to $5,000 for the preparation and transportation of the deceased's remains to his/her province or territory of residence.
  • Additional hotel and meal expenses - If the return to Canada is delayed due to a medical emergency, an insured person is covered for the cost of hotel and meal expenses incurred after the planned return date, up to a maximum amount of $200 per day to a maximum of ten days.

Get more than you expect with Travel Medical insurance

  • Medical Assistance and Consultation – directs you to the nearest appropriate medical facility wherever possible.
  • Payment Assistance – subject to the terms and conditions, the Operations Centre will offer a guarantee of coverage for covered services to all hospitals that provide you with medically necessary treatment. If the guarantee is not accepted, the Operations Centre will assist in arranging and coordinating payment wherever possible. Emergency Message Centre in case of a medical emergency, we will relay important messages to or from your family, business or physicians.

For short jaunts or long stays

You're eligible for Travel Medical insurance if you're a BMO Financial Group Customer and Canadian resident who is covered by a Canadian government health insurance plan, as long as you pay your premium before the day you leave on your trip. You also need to complete a medical questionnaire if you're 60 years of age or older.

Plan for unexpected expenses

Travel Medical insurance covers a wide range of expenses you may have to incur if you suffer a medical emergency while travelling out of province/country. These include expenses for hospital stays, ambulances, medical treatments or tests, prescription drugs, private nurses, emergency air transport, emergency dental procedures, getting a family member to your bedside, return of deceased and unexpected travel delays.

What's not covered

All insurance products have some limitations and exclusions you should understand in advance. For instance, this insurance product will not pay for expenses associated with:

  • applicable pre-existing conditions exclusion
  • the continued treatment or recurrence of a medical condition you suffer while travelling
  • a medical condition for which you delayed or refused treatment before your departure date
  • participation in SCUBA diving, hang-gliding, sky diving, parachuting, bungee jumping, parasailing, spelunking or rock climbing
  • any trip undertaken against the advice of a physician

Keep in mind that this information is only a summary. You can see full details in the Certificate of insurance.



*All benefits are underwritten by Allianz Global Risks US Insurance Company Canadian Branch

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