Travel Coverage
Taking a Vacation? Have you Confirmed your Out of Country Coverage? (as at Nov 2023)
Unforeseen medical emergencies can cause major disruptions when travelling, which can be made even worse when proper coverage is not in place. Fortunately, your group benefits plan has Out of Country coverage for emergency care for you and your immediate family members. It’s important to properly document your carrier’s coverage & policies regarding pre-existing illnesses/diseases.
Out of Country Coverage Documentation
Download your Out of Country card to your smartphone “wallet” or save a photo of your coverage details to easily access, if needed.
Travelling with Pre-existing Conditions
90 Day Stability Clause
Requires members to be stable from a pre-existing condition for at least 90 days.
This includes no changes in treatment; symptoms have not worsened and no new symptoms have developed that suggest any medical complications could arise during time of travel.
It is suggested for those with pre-existing conditions to contact their carrier prior to traveling to ensure proper coverage is in place.
International Students with Pre-existing Conditions
Dependents that are studying abroad should have additional coverage in place, as group plans limit travel coverage to 60, 90 or 180 days at a time.
Any pre-existing conditions are also subject to the stability limitation outlined above.
If a dependent student has reoccurring treatment for a condition, it is advised to contact the carrier to confirm if they are considered medically stable and are able to travel out of the country.
Alternative Individual Travel Coverage for Pre-existing Conditions
Those with pre-exiting conditions may require additional coverage to supplement the group plan coverage.
Suggested providers with competitive stability clauses:
Medi-Quote:
Individual travel insurance with a 7-day stability option.
Other options at a cost to insure other conditions.
In order for us to assist you with this, please use the following link when requesting a quote: MediQuote
Tugo
Individual travel insurance with a 7-day stability period for ages 59 and under if the trip is less than 35 days.
In order for us to assist you with this, please use this agent code: IM50914.
To assist with reaching out to your Out of Country provider, we have included a list of carriers and contact information below:
Carrier Number to Call Prior to Travel to Confirm Coverage
Number to call for Medical Emergency while Travelling
GroupHEALTH
1-855-234-3545 (to confirm coverage)
To call in Emergency - Trident Global Assistance from Canada/USA: 1-855-234-3545, from elsewhere: 416-234-3545
Sun Life
1-800-511-4610 (to confirm coverage)
To call in Emergency - Global Excel Management from Canada/USA: 1-800-511-4610, from anywhere else: 1-519-514-0351
Co-operators
1-800-667-8164 (to confirm coverage)
To call in Emergency - Emergency Medical Travel Assistance from Canada/USA: 1-888-440-2667, from elsewhere: 1-416-340-1316
GreenShield
1-888-711-1119 (to confirm coverage)
GSC Travel Assistance from Canada/USA: 1-800-936-6226, from elsewhere: 519-742-3556
Manulife
1-800-265-9977 (to confirm coverage)
To call in Emergency - Global Excel Management, from Canada/USA: 1-800-265-997 from international: Country code + 800-9221-9221
Canada Life – Assured Assistance Provider
If Assured Assistance Provider:
1-866-530-6025 (to confirm coverage)
Assured Assistance - from Canada/USA: 1-866-530-6024, from elsewhere: 905-816-1901
Canada Life – Medex Provider
If Medex Provider:
1-800-957-9777 (to confirm coverage)
Global Medical Assistance Program, from Canada/USA: 1-855-222-4051, from elsewhere: 1-204-946-2577
Empire Life
1-855-537-1722 (to confirm coverage)
Trident Global Assistance, from Canada/USA: 1-855 537-1722, from elsewhere: 416-814-7605