Annual Travel Insurance
Summary of Benefits | Stability Clause
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Travel with confidence.
Travel is full of unexpected adventures. In an emergency medical situation, however, you may not always know where to turn or be prepared to deal with sudden additional expenses to get you well and get you home. Your provincial health care coverage is limited, even within Canada.
With MROO’s Annual Travel Insurance Program, you can travel with confidence, knowing that help is just a phone call away.
Eligibility
Once accepted for a MROO Hospital, Health and Dental Care Plan (Plan II or III ONLY), you and your spouse have a one-time opportunity to enroll for Annual Travel Insurance. Enrollment is guaranteed.
If you are already insured under an annual travel insurance plan, enrollment in the MROO Annual Travel Insurance Plan will be effective upon termination of your existing plan.
Enrollment is optional. However, if you and your spouse are enrolling as a couple in the MROO Hospital, Health and Dental Care Plans(Plan II or III), and you would like the Annual Travel Insurance Plan, you must enroll as a couple in that plan as well.
Annual Travel Plan (30-Day Trips)
Unlimited trips of up to 30 days each during the policy year
- $1 million of coverage per person, per trip
- Favourable Pre-Existing Condition Limitation – six-month stability period, three months for high blood pressure
- There is no age limit on coverage
- Top Up Insurance is available with the same carrier
Top Up Insurance
You can contact our new travel insurance provider, etfs, to purchase additional coverage for trips that are longer than 30 days. Coverage of up to $5 million is available, with optional deductible amounts.
Emergency Medical Expenses
| Benefit (per trip) | Limit |
|---|---|
|
Hospital Accommodation |
reasonable and customary |
|
Physicians Fees |
reasonable and customary |
|
Incidental Hospital Expenses |
up to $250 |
|
Prescription Drugs |
30-day supply per prescription |
|
Diagnostic Services |
reasonable and customary |
|
Private Duty Nurse |
up to $5,000 |
|
Medical Appliances |
reasonable and customary |
|
Paramedical Services |
$250 per practitioner |
|
Treatment of Dental Accidents |
up to $2,000 |
|
Ground Ambulance |
to nearest medical facility |
|
Emergency Air Transportation |
reasonable and customary |
|
Return Traveling Companion |
one-way fare |
|
Transportation to Bedside |
round-trip fare |
|
Meals and Accommodation |
up to $150 per day, $3,000 per trip |
|
Vehicle Return |
up to $5,000 |
|
Return of Deceased |
up to $5,000 |
IMPORTANT: Pre-Existing Medical Conditions
If you have a pre-existing medical condition, it will be covered provided it has remained stable for a period of six months immediately prior to departure.
For high blood pressure conditions only the stabilization period is three months.
A pre-existing medical condition is considered stable, if there has been:
- No change in symptoms;
- No hospitalization;
- No change in condition;
- No new medication prescribed; and
- No prescribed change in treatment or medication.
Worldwide Assistance on Call
After enrollment, you will be issued a personalized travel card with a contact number that you can call to top up your coverage or in the event of a claim. In an emergency situation, one phone call will connect you with an experienced and professional team, who will arrange and monitor treatment, and provide support to the patient and family. When necessary, they will organize evacuation home or to the nearest qualified medical facility.
Privacy Statement
Annual Travel Insurance Plan
Your personal information is collected for the purpose of providing you with insurance services, claims analysis
and payments. Call 1-800-566-1797 for a copy of the etfs Privacy Policy. For Privacy information please see
www.rsagroup.ca or call Royal & SunAlliance at
1-800-716-4339. you may request a review of your file at any time. Please submit your written request to: etfs Privacy
Officer, 73 Queen Street, Sherbrooke, QC J1M 0C9.