Illness and accidents can interrupt travel plans at any time. AwayCare provides coverage to clients that are simply taking a short vacation or Snowbirds that are heading south for warmer weather.
Emergency medical, trip cancellation and interruption provide essential coverage strongly recommended for any destination outside of your province. AwayCare also offers an extensive product line that helps protect clients from the high cost of emergency medical treatment regardless of where they are travelling.
- Various deductible options
- Single or Family plan coverage
- Competitive Sports, Group Sports Teams
- Canadian Students in Foreign Countries
- Canadian Expatriates living and working in other countries
- No age limit
- Multi-trip annual plans
- Single trip daily plans
- Out-of-province plans
- Medical underwriting plans (if you are not eligible for a standard plan)
- Trip cancellation or interruption insurance
- Top-ups & Extensions
- Lost, stolen or delayed baggage insurance
Some of the benefits1 offered through AwayCare plans include:
- Hospital accommodation & physicians’ fees
- Direct payment to some hospitals & physicians
- Paramedical services
- Private duty nurse
- Ambulance services
- Prescription drugs
- Emergency air transport
- Out-of-pocket expenses (including meals & accommodation)
- Vehicle return
- Remote evacuation
- Treatment of dental accidents & emergency relief of dental pain
Single or Family plan coverage
We offer extensive coverage for those that travel alone or with other family members. In fact, most of our companies have preferred pricing when families travel together, for instance, parent(s) with children under the ages of 18-21, depending on the insurer.
When traveling in groups, several of our travel insurance providers will waive minimum per person costs if a group of 15 or more are traveling together to the same destination.
When traveling this winter, Snowbirds have numerous options when looking for emergency travel insurance coverage. Competitive rates, especially for healthy travelers are available from several companies.
Travel health insurance is designed to cover sudden and unforeseeable medical circumstances while traveling out of province. Any NEW sickness or injury is automatically covered; however, coverage for pre-existing medical conditions may require special underwriting based on your medical history.
If you have medical conditions that concern you, a questionnaire can be completed for special consideration by our insurance providers. An answer will be provided in writing, which will offer coverage at a special rate and/or exclude certain conditions or decline to cover entirely.
Competitive Sports, Group Sports Teams
We have some companies that will provide special rates for certain competitive sporting activities. Others will provide group sports coverage with reduced minimum prices for the team. Please note that certain types of sporting activities are excluded due to their dangerous nature. Contact us regarding details.
Canadian Students in Foreign Countries
A study term outside of Ontario can be an exciting and happy time. It can also be very stressful if you experience an unexpected emergency while away from home. Hospital rates outside Canada have become very expensive in some metropolitan areas and Ontario Health only pays a small portion of these costs. This plan covers Emergency Health Insurance for Canadian students attending foreign institutes of learning.
Canadian Expatriates living and working in other countries
When preparing for your travels abroad, there are many concerns to consider. It is essential to have complete health insurance coverage when planning your out of country adventure.
You need coverage you can count on with a company that will allow you to consult in your foreign country of residence even after the ’emergency’ portion of your condition is over. You need a company that will understand medical care and practices worldwide.
You need to have medical transportation to the nearest center of medical excellence in an emergency. ‘VIATOR’ has a plan that provides these benefits and has coverage of $1,000,000 per person, per sickness or injury.
When planning multi-trips each year, you can make one purchase per year and take an unlimited number of trips of a given duration (4 days, 15 days, 30 days etc.) without having to re-apply. If
you are a frequent traveler, this is a very convenient way to provide emergency health coverage. You can come and go whenever you wish, making sure that you have proof of exit and entry into Ontario in case of a claim (example- duty-free purchase receipt).
Although most of us have provincial health insurance, universal coverage is not provided across Canada. Ontario residents can be away for a total of 212 days in a 365-day period. Other provinces may have different residency requirements.In addition, the country you are visiting may have restrictions regarding residency and taxes. Most Ontario Health coverage benefits can be used in other provinces across Canada. However prescription drugs, certain ambulance costs, return home benefits, return of vehicle, dental emergencies and certain paramedical services are not covered.In fact, some provinces may require ‘up-front’ payment for doctor or hospital services. Additional coverage is advisable to cover these emergencies. All travel insurance has limitations and exclusions and purchasers should know what these are by reading the policy before they depart on their trip.
Top-ups & Extensions
Group insurance plans or multi-trip plans may require topping up if you are not planning to travel for longer than the existing plans allow. Top-ups, as a rule, must be arranged before you leave Ontario, although we do have one company that will provide coverage after you have departed.
Existing single trip plans purchased before leaving Ontario can usually be extended by calling us if you decide to stay a few more days. Minimum premiums will apply. Be aware that topping up an existing group insurance plan could present a problem if you have a claim during your initial group coverage. If you require continuing care as a result of the first incident, the existing condition will not be covered in the top-up.
1 Not all plans have all benefits. Certain conditions, limitations & exclusions may apply.