Frequently asked questions (FAQ)

Even if your medical conditions have not changed since your last purchase, chances are, the eligibility conditions, the questions, and the medical conditions from the medical questionnaire have changed. Therefore, our sales representatives must ask each question again.

• If you are not eligible, the insurance cannot be sold to you.
• If you are eligible but your medical declaration is inaccurate, there could be costly consequences in the event of a claim. Your claim could be denied completely!

Take note that, in many cases where “the conditions have not changed”, going through the questionnaire helps clients remember about a doctor’s appointment during the previous months, about a change in their dosage, about a medical investigation, etc.

Answering the medical questionnaire takes only a few minutes and can prevent many negative surprises down the road! Thank you for your collaboration on this matter.

No. Tour+Med travel insurance is intended for people who maintain permanent residence in Canada, are covered by their Provincial Health Insurance, and who travel out of their province or territory of residence for leisure. Moreover, students and expatriates have particular needs when it comes to travel insurance, which our policy may not meet.

Pregnant women are covered, under certain conditions. 

See the following exclusion from the policy for more information: 

Benefits are not payable under this policy if losses sustained or expenses incurred are the direct or indirect result of any of the following:

16. Any costs related to:
- Routine prenatal or postnatal care;
- Fertility treatment;
- Deliberate termination of Your pregnancy;
- Your pregnancy, Your childbirth, or complications of either occurring 9 weeks before or after the expected date of delivery;
- An infant born during Your Trip.

Competitive sports, race or speed contests, extreme activities, and sports for which you are required to sign a waiver or release of liability are not covered. (See section Exclusions and Limitations in the policy for details.)

Depending on your age and the length of your trip, you could be required to answer a medical questionnaire. Your premium will be based on your answers, combined with other factors. Pre-existing medical conditions are covered if they meet the definition of “Stable and Controlled” in the policy. (If a condition is not “Stable and Controlled”, ask about our Reduced Stability Period option.)

No. The insured person must be able to speak and understand either one of Canada’s official languages (English or French). Our documents are available in these languages. A travel insurance policy is a contract and it would not be ethical to sell a contract to a person who cannot understand it by him/herself.

We need to speak with the person for whom the travel insurance policy is purchased, given that the contract will be established between them and us. Moreover, this person must give their consent for the exchange of confidential medical information with you. If the two of you are on the same policy, it could be sufficient to speak with you only if you take full responsibility for the answers given.

In all cases, we must complete the sales process with the person(s) for whom the insurance policy was purchased. All insured persons must review their policy, most importantly their medical declaration, to make sure it is complete and accurate.

Yes. Your Government Health Insurance only covers a portion of medical costs when you are out of your province or territory of residence. Moreover, certain fees, such as ambulance transportation, are never reimbursed by Government Health Insurance plans.

The stability of your medical conditions is probably the most important concept in your travel insurance policy, so understanding it is crucial.

To be “stable and controlled” means that there has not been any change pertaining to a medical condition within the 3 or 6 months before your departure (3 months for insureds of 69 years old and less, 6 months for insureds of 70 years old and over).

By “change”, we mean (among others): no new diagnosis, no new prescription or modification to an existing prescription, no test or evaluation, no recommendation to be seen by a specialist, no new symptoms, no aggravation of the condition, etc.

You must also be aware that even though your doctor said you were “stable”, “brand new”, or “good to go”, it does not necessarily correspond to the definition of “Stable and Controlled” in the policy. In the event of a claim, we will refer to the latter so make sure that you read it carefully, and that you understand it. You may also ask your representative for information.

No, but we offer a deposit option. You can make a deposit equivalent to at least 25% of your total premium on the date of purchase, and your balance will be payable two weeks before your departure date. (Premium must be at least $400.)