旅游保险old

报价单

访客

2

超级签证

总投保额10万加币

Age

40-54 55-59 60-64 65-69 70-74 75-79 80-85

86+

Annual Premium $1,547.60 $1,682.65 $1,872.45 $2,168.1 $2,963.8 $3,580.65 $4,139.10  $8,139.50

注意:当前价格可能随时发生变动

国际学生出入境

Maximum Limit

Single Person-Daily Rate Single Person-Flat Rate Per Year
$2,000,000 $1.62

$578

 

申请步骤

3

 

FAQs

  • ELIGIBILITIES

Who is eligible for coverage?

At Financial Eastern Star, we want to make affordable travel insurance coverage available to as many Canadians as possible. In general, any Canadian resident can purchase some form of coverage with us. Factors such as where you are travelling, your health condition and the length of your trip will affect the specific coverage available to you.

Non-residents travelling to Canada, immigrants to Canada or foreign students studying in Canada can purchase our

Visitors to Canada Plans.

Will my age affect my coverage eligibility?

Generally speaking, yes in most of our products. If you are age 60 or older, we may ask you to answer a few questions about your health to ensure you have the appropriate coverage in place.

Will a pre-existing medical condition affect my coverage?

Possibly. Depending on your age, condition and, if applicable, your answers to our health questions, 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.

Note: Please refer to the policy document for complete coverage details regarding pre-existing conditions by requesting from our travel insurance specialist.

 

  • Coverage

Why should I buy trip cancellation and interruption insurance?

Your trip probably represents a significant investment. A lot can also happen in the time between booking your trip and departing—if a medical emergency or other unfortunate event prevents you from going on your trip, you may lose some (or possibly all) of the money you paid.

With trip cancellation and interruption insurance, you’re protected when a specified situation prevents you from travelling as planned. Examples include:

  • You can’t travel due to an illness, job loss or immediate family member’s medical emergency
  • You need to return home earlier than scheduled because of a family emergency or medical condition.

Note: We strongly recommend that you purchase this insurance at the time you pay your initial travel deposit. Please consult our travel insurance specialist to receive the policy document for complete coverage details, including terms and conditions.

 

  • Travel Insurance for Travelling Canadians

Doesn’t my government health plan cover me when I’m travelling in the U.S. or Canada?

We recommend that you carefully review your government health plan coverage. Government plans may not cover all emergency medical expenses once you leave your home province/territory and typically cover only a limited portion once you leave the country. In fact, the Canadian Government (Consular Services, Foreign Affairs and International Trade Canada) urges all Canadians to purchase supplemental health insurance when leaving the country:

“Do not rely on your provincial health plan to cover costs if you get sick or are injured while abroad. Out-of-country healthcare can be costly, and your health plan will cover only part of the bill at best.”(1)

I am leaving my province of residence to travel to another province before actually leaving Canada. On which date should a trip start for Single Trip coverage?

You can opt to purchase coverage for the entire time you are away from your province of residence or just for the portion of your trip that is away from Canada. In other words, the effective date of coverage can be either the last day you are in your province of residence or the last day you are in Canada. As government health insurance plans vary among the provinces and most do not provide emergency return home benefits, you should consider coverage for the full length of your trip.

Is a family plan available if I travel with my family members?

Yes. We offer affordable price of travel insurance to cover you, your spouse, and your dependents and so on. For further information, please contact our travel insurance specialists.

The policy says that in the case of a medical emergency I am supposed to call the insurance company. What if I don’t get a chance to do that – will I still be covered?

We ask you to call the insurance company so that they can confirm, with your healthcare provider, your enrolment in the plan, manage the benefits in accordance with your policy, and, when possible, avoid any out-of-pocket expenses for you. If you do not call them, you will have to pay a portion of the medical expenses normally covered under the policy. If it is medically impossible for you to call, please have someone call us on your behalf.

Hospital and medical bills outside of Canada can easily run into thousands of dollars. Would I need to pay up front if I had an accident while travelling?

As outlined in the insurance policies, it is essential that you contact the insurance company prior to receiving medical treatment. The insurance company has existing relationships with medical providers in many vacation destinations, as well as contacts all over the world, to ensure emergency situations are handled as smoothly as possible. The insurance company will communicate with your medical provider, arrange direct billing where possible and coordinate payment of the emergency service received.

Can I get an income tax receipt for the premium paid on this policy?

Financial Eastern Star will provide a confirmation upon our receipt of the premium payment. This confirmation is your official receipt recognized by Canada Revenue Agency.

 

  • Travel Insurance for Visitors to Canada

Is waiting period applied to me?

To avoid waiting period, you have to purchase the policy (effective date) prior to the date you arrive in Canada. Otherwise, the flowing waiting period will apply:

– 48 hours if your effective date is within 30 days of your departure date;

– 7 days if your effective date is more than 30 days from your departure date.

Please note that policy varies from different insurance companies

What if I need or want to stay longer than planned?

To extend your coverage, you must make the request before the expiry date or the date you were scheduled to return home as per confirmation. If you have not had a medical condition or pending claim since your effective date of insurance, the extension may be issued upon request. If you have a medical condition or pending claim, the extension is subject to the approval of the insurance company.

Are refunds available?

When you return home before the scheduled return date as per the confirmation, and have not reported or initiated a claim or have been provided with any assistance services, refunds are available for the unused days of the trip.

Will I be covered when I travel outside Canada?

Travel worldwide during the period of coverage is valid as long as the majority of the period of coverage is spent in Canada. Coverage is not applicable while in your country of permanent residence.

Why do you have to call the insurance company prior to receiving any medical treatment?

We ask you to call the insurance within 24 hours of hospitalization so that they can confirm, with the health care provider, your enrolment under the plan, manage the benefits in accordance with your policy, and, when possible, avoid any out-of-pocket expenses for you. If you do not call the insurance company, you will have to pay a portion of the medical expenses normally covered under this policy. If it is medically impossible for you to call, please have someone call on your behalf. It is your responsibility to ensure that the Assistance Centre has been notified.

How can I fill out an application if I am not in Canada?

To apply for coverage, you or someone on your behalf may complete the Visitors-to-Canada application. If someone other than you completes the application, he/she must ensure that he/she is aware of your health history in order to accurately complete the form. Any incorrect statements on the application may make the policy null and void.

Does this policy cover newborns?

It depends. And the policy varies from different insurance companies. Usually it covers newborns at least 14 days old.

 

  • Travel Insurance for International Students

Doesn’t my University Health Insurance Plan (UHIP) cover me when I’m travelling out of province or out of Country?

We recommend that you carefully review your UHIP coverage. Government plans may not cover all emergency medical expenses once you leave your province/territory of residence and typically cover only a limited portion once you leave the country. In fact, the UHIP providers, i.e. Sun Life Financial urges all Canadians to purchase supplemental health insurance when leaving the country:

If you travel outside of Canada, UHIP provides minimal out-of country coverage which may not be sufficient to cover your medical expenses. It is strongly recommended that you purchase additional private travel insurance5 as significant out of pocket expenses may be incurred.

Can travel insurance for Students coverage be extended during my trip?

If you already have coverage, simply call our travel insurance specialists. You may be able to extend your coverage as long as:

– Your period of coverage does not extend beyond 365 days;

– You remain eligible for insurance under this plan;

– We have received the extension requests prior to the expiry date of your existing policy issued by us; and

– There has been no change between single or family coverage.

Note: For policy extensions, no losses or expenses or benefits will be paid for any illness or injury which first appeared, whether diagnosed or not, or for which treatment may or may not have been received prior to the effective date of the extension of coverage under this policy.

The policy says that in the case of a medical emergency I am supposed to call the Assistance Centre. What if I don’t get a chance to do that – will I still be covered?

We ask you to call the insurance company so that they can confirm, with your healthcare provider, your enrolment in the plan, manage the benefits in accordance with your policy, and, when possible, avoid any out-of-pocket expenses for you. If you do not call the insurance company, you may have to pay a portion of the medical expenses normally covered under the policy. If it is medically impossible for you to call, please have someone call them on your behalf. It is your responsibility to ensure that the insurance company has been notified.

What is the maximum number of coverage days under this policy?

Under this policy, the maximum number of coverage days is 365 days, or 366 days for leap years. After 365/366 days of continuous coverage, we may issue you another policy.

Will I be covered when I travel outside Canada?

Travel worldwide during the period of coverage is valid as long as the majority of the period of coverage is spent in Canada or country of study. Visits to your home country are permitted; your Policy will not terminate, however expenses will be not covered while in your home country.

 

Resources

Introduction to Travel Insurance

Say YES to Travel Insurance

Guide to Travel Insurance

International Association For Medical Assistance to Travellers

Travel insurance – in case of emergency”, The Travel Health Insurance Association of Canada

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