TravelCare® Insurance Packages

These travel insurance packages are especially for seniors. They provide the same all-inclusive coverage as Deluxe Package. These packages must be purchase for the full duration of your trip and you must correctly complete a medical questionnaire. Your answer to the medical questionnaire will determine the TravelCare® plan for which you qualify and the premium you pay.

If you are less than 85 years of age then you can choose not to complete the medical questionnaire, but would only be eligible to purchase TravelCare®-Bronze Package.

TravelCare® Packages offer the most complete coverage for any traveller as outlined below

For the SINGLE TRIP option:
• 75 years of age or older travelling for 60 days or less.

For the Multi-trip ANNUAL PACKAGE option:
• 60 years of age or older and under 80 years of age, travelling for a maximum of 9, 16 or 30 consecutive days per trip depending on the option purchased.
• 80 years of age or older, travelling for a maximum of 9 or 16 consecutive days per trip depending on the option purchased.
It is recommended purchasing the insurance at the time of initial deposit or, if purchased for a cruise vacation, before any cancellation penalties are in effect; and for the full value of the non-refundable portion of prepaid travel arrangements.

The maximum amounts payable for each type of coverage are listed below

There are five TravelCare® Packages are:
• TravelCare®-HealthSelect®
• TravelCare®-Gold
• TravelCare®-Silver Plus
• TravelCare®-Silver
• TravelCare®-Bronze

If you are eligible for and have purchased TravelCare®-HealthSelect® coverage no exclusion related to any pre-existing medical condition will apply. This allows a customers who experience a change in health after the purchase of their insurance and before departure to maintain their travel coverage. This customer is still, however, subject to all other general exclusions outlined in the policy.

Exclusion 1 applies to TravelCare®-Gold and excludes coverage for a medical condition, heart and/or lung condition (whether or not the diagnosis has been determined) if that medical condition or any heart and/or any lung condition is not stable in the 90 days prior to departure.

Exclusion 2 applies to TravelCare® - Silver Plus and TravelCare® Silver, and excludes coverage for a medical condition, heart and/or lung condition (whether or not the diagnosis has been determined) if that medical condition or any heart and/or any lung condition is not stable in the 180 days prior to departure.

Exclusion 3 applies to TravelCare® - Bronze and excludes coverage for a medical condition, heart and/or lung condition (whether or not the diagnosis has been determined) that existed in the 180 days prior to departure, regardless of whether that condition has been stable or has not been stable. In addition, TravelCare® - Bronze applies a $200 US deductible per claim.

Cancellation & Interruption Insurance within TravelCare® Packages exclude coverage for a medical condition, heart and/or lung condition (whether or not the diagnosis has been determined) if that medical condition or any heart and/or lung condition of your customer or your customer's spouse is not stable in the 90 days before the insurance application date. There are additional pre-existing medical conditions if the prepaid travel arrangements exceed $12,000.

You can read the travel insurance policies by clicking any of the fallowing links:

TravelCare® Package (Include Medical Insurance, Cancellation Insurance, Travel accident & other benefits).

TravelCare® Medical (Include Medical Insurance only)

Medical Questionnaire