Canadian Traveler Plan

Our Government health plan covers a limited amount of expenses that are incurred outside the province. A Travel Plan will pick up costs not covered by our Government health plan. More information on the limitations of your provincial Health Plan (OHIP, MSP etc) coverage and why you should have travel insurance for trips within Canada is available on the each province Ministry of Health website.

Yes - Regardless of any existing conditions, we always advise members to still purchase coverage, as it will protect against all other accidents not related to that condition. Travel insurance policies are designed to provide protection against unexpected emergency medical expenses, trip cancellation or interruption. Depending on your age and the condition pre-existing medical conditions are covered if they are stable for a certain time period (as specified in your policy) before your policy's effective date. It is important you review and understand any clauses or definitions in your chosen policy. Each travel insurance policy will uniquely define a pre-existing condition and there are many variations in wording. For example, policies may not cover conditions arising prior to the trip departure date: that are unstable ,where symptoms of an illness appeared ,that have been diagnosed or treated ,where medications have been changed. Travel policies will also specify a time frame, based on your age that relates to the evaluation of your pre-existing conditions. This time frame could be as short as 3 months. Some policies may provide coverage for your pre-existing conditions if you complete a more detailed medical questionnaire.

A health problem like, asthma, diabetes, or cancer, which you had before the new health coverage start date. Insurance companies can refuse to cover treatment for your pre-existing condition or charge you more.

Most of insurance has a waiting period of such as 48 hours to 7 days. Coverage is not covered for illness that develops before the insurance start date or occurs during this waiting period. However, there is no waiting period when purchasing before departure. The waiting period varies by insurance plan, so be sure to check the policy with your chosen insurance.

It is extremely important to notify your insurance company of your emergency and admission to a hospital within 24 hours. Policy number may be required at the time of call – carry the wallet card all the time. Representative will help you open up a claim and give you instructions of how to manage the situation. Failure of doing this may result in the denial of your late claim.

You can purchase up to 365 days at the moment of purchasing your policy. If you need to extend your policy during your travel, you can also extend by contacting us with extra charge. We recommend you extend before the expiry date so that you don’t need to take another waiting period if there is.

You may be able to extend your existing Travel Plan. Extensions must be purchased before your existing Plan expires. Please contact Stonewell Financial – we'll review your Travel Plan to see if it is eligible for an extension.

It depends on the plan. Both the international student insurance and visitor insurance we introduce include Covid coverage. Canadian insurance can add covid coverage as an additional premium. Please check the quote for details.

While some definitions may differ between plans, and may not apply to all types of plans, we define deductible as “the portion of eligible expenses you must pay from your own pocket when an eligible claim occurs. There is no deductible for the international student insurance we introduce, and there are options ranging from $0 to $10,000 for visitor insurance and Canadian insurance. Options vary by plan. You can lower your premium as your deductible increases.

A beneficiary is a name that accidental death benefits payable as a result of your accidental death will be payable to your named beneficiary or to your Estate

It depends on the plan. General process would be : Call the insurance company's claims department to explain the situation and open a claim. After receiving treatment, please bring your medical record and receipt for payment of medical expenses. After filling out the claim form, attach a scanned copy of your medical record and receipt, and send it to the insurance company's claim department by email. The insurer's claims department will review it within 2-4 weeks. If your coverage is approved, you will receive your check within 10-14 days. If rejected, appeal again, or if the reason is insufficient documents, prepare and send the missing documents again.

A request for a refund of premium can be made prior to the Effective date of the policy, if the insured returns to his/her province or territory of residence prior to the expiry date of the policy, or when a Visitors to Canada or policyholder becomes covered under a provincial or territorial hospital/medical plan. Administrative charges may apply. *Different insurance plan has different refund policy. Please check your policy wording for an accurate information. No refunds will be given if the amount to be refunded is less than the minimum refundable amount. All refunds must be made with no insurance claim history.

Your expenses for medical care that aren’t reimbursed by insurance. Out-of-pocket costs include deductibles, coinsurance, and copayments for covered services plus all costs for services that aren’t covered.