Emergency Medical Travel Coverage

emergency Medical Travel Coverage of sudden and Unforseeable events

Submitted by RTAM’s Plan Administrator, Johnson Inc

Travel insurance is designed to cover losses arising from sudden and unforeseeable circumstances, while travelling outside of Canada or your province of residence. It is important that you read and understand your certificate of insurance before you travel as your coverage may be subject to certain limitations and exclusions.

A pre-existing medical condition exclusion may apply to medical conditions and/or symptoms that existed prior to your trip. In the event of an accident, injury or illness, your prior medical history may be reviewed when a claim is reported.

As described below, RTAM offers two comprehensive Emergency Medical Travel Insurance Plans, with different limitations on pre-existing conditions.

MEDOC Travel has a 90-day medical stability clause, while Premier Travel has no specific stability clause. Both plans require an emergency to be sudden and unforeseen. Both plans require immediate contact to your travel insurance provider to ensure expenses are covered. Both plans provide pre-trip planning assistance for specific questions about your coverage or trip.

RTAM 62-Day Premier Travel Insurance Plan RTAM offers the following “Premier” Out-of-Province/ Country Emergency Medical Travel Insurance to Full RTAM Members: • Multiple annual trips up to 62 days duration (per trip) with a lifetime maximum of $2,000,000 coverage for sudden and unforeseen eligible emergency medical travel expenses.

eligible expenses related to a pre-existing condition will be reimbursed at 100%, as long as the emergency is deemed sudden and unforeseen by the insured person’s medical history and the insurer.

COMMITTEE REPORTS / Benefits / Johnson • Guaranteed issue regardless of age or health status with no evidence of good health required on first application. • Supplemental trip extension coverage is available for purchase for trips lasting longer than 62 days and up to 212 days, if covered by provincial health care. • Trip Cancellation/Interruption/Delay: up to $7,000 per insured per trip • Eligible expenses related to a pre-existing condition will be reimbursed at 100%, as long as the Emergency is deemed sudden and unforeseen by the insured person’s medical history and the insurer. “Sudden and unforeseen” means the sudden onset of a medical condition, manifesting itself by acute symptoms of sufficient severity that the absence of immediate medical attention could result in: permanently placing the individual’s health in jeopardy; serious impairment to bodily functions; serious impairment and dysfunction of any bodily organ or part; or other serious medical consequences. Please note: Immediate contact to your travel insurance provider (Sigma Assistel) is necessary to ensure expenses are covered. At first onset of symptoms of a medical emergency and before the Insured Person seeks medical attention, he / she should contact the plan’s 24-hour assistance centre; however if the Insured Person is unable to do so because he / she is medically incapacitated, someone else must contact the travel insurance provider as soon as is reasonably possible. Otherwise eligible expenses may be limited.

What Is The “90-Day Stability Clause” Under Rtam’s 17/35 Day Medoc Travel Insurance Plan?

RTAM also offers the following 17/35 day “MEDOC” Out-ofProvince/Country Emergency Medical Travel Insurance to Full and Associate RTAM Members: • Base Plan for multiple trips up to either (1) 17-days per trip, or (2) 35-days per trip. • Supplemental Plan for single trips longer than 35-days. • Guaranteed issue (with short health questionnaire) regardless of age, health status, or date of application. • Up to $5,000,000 coverage for eligible sudden and unforeseen emergency medical expenses (subject to 90-day stability prior to departure); • Up to $8,000 of non-refundable expenses for Trip Cancellation/Interruption/Delay Insurance per insured person,

per trip (subject to 90-day stability prior to booking); • A 90-day stability clause applies to MEDOC. The MEDOC plan does not cover pre-existing conditions incurred directly or indirectly as a result of a medical condition or related condition (other than a minor ailment), if in the 90 days before your day of departure or day of booking, that medical condition or related condition was not stable. In other words, MEDOC will not cover any medical conditions that were not deemed “stable” by your health care professional within 90 days of trip departure.

Please note: Immediate contact to your travel insurance provider (Global Excel) is necessary to ensure expenses are covered. At first onset of symptoms of a medical emergency and before the Insured Person seeks medical attention, he/she should contact the plan’s 24-hour assistance center; however, if the Insured Person is unable to do so because he/she is medically incapacitated, someone else must contact the travel insurance provider as soon as is reasonably possible. Otherwise eligible expenses may be limited.

For further questions and plan information, please call our RTAM office at 204-889-3660, or RTAM’s Plan Administrator Johnson Inc. toll-free at 1-877989-2600, or visit the website www.johnson.ca/rtam.