5 golden rules of the insured client

Many providers won't require you to sign your declaration, thus taking for granted that you have made an honest declaration, in good faith, and that you have reviewed it upon receipt. Unfortunately, some clients realize that they have forgotten to declare something or that an important information is missing in their declaration when making their claim. But it is sometimes too late… The insurer could decide to deny their claim since it could have been misinterpreted as a false declaration.

To prevent this kind of situation, we invite you to read the 5 golden rules of the Tour+Med client below:

(The videos may have been made during a previous season. In case of differences between the content of the video and the policy wording, the latter prevails.)

  1. Review and sign your declaration
  2. Read the policy / distribution guide
  3. Let the insurer know if your health changes prior to the effective date of your policy
  4. Call emergency assistance
  5. Consult relevant websites
  1. 1. Review and sign your declaration

    You should review your medical declaration upon receipt, to confirm that the indicated information is exact and complete. If this is the case, sign your declaration and return it to the insurer (insured clients of 60 years old and over), thus confirming your approval. On the other hand, if anything is missing or incorrect, contact your representative immediately in order to change it before your departure. Keep in mind that, in the event of a claim, the insurer could ask to see your medical report and would thus know if the declared conditions reflected, or not, those indicated in your report.

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  2. Read the policy / distribution guide

    This document contains all the details and important information relating to benefits, exclusions, eligibility, medical stability, etc. For your own good and to make sure that your protection will cover what you wish to cover, it is your responsibility to read the policy / distribution guide. Don't hesitate to speak with your representative if you have any questions.

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  3. Let the insurer know if your health changes prior to the effective date of your policy

    Since your Tour+Med medical protection can be purchased up to 9 months prior to your scheduled departure date, your medical conditions or health might change between the purchase and effective dates. If this is the case, it is your responsibility to let the insurer (or one of its representatives) know. This could affect your protection! Whether it's a new medical condition, a change in medication or dosage, a new treatment, or any change to your health status, the insurer must be informed prior to the effective date of your policy, even if it is after the departure date.

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  4. Call emergency assistance

    Before you access the appropriate health services, you must obtain an authorisation from the emergency assistance team. Our professional services are available 24 hours a day, 7 days a week, in English or in French, from anywhere in the world. Should you fail to immediately contact Emergency Assistance, your benefits may be limited. The Insurer reserves the right to reduce the reimbursement of services to 70% of eligible expenses, to a maximum of CAN $25,000.

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  5. Consult relevant websites

    Before traveling, be responsible and consult the Government of Canada Travel Health Notices. These notices will inform you of your destination's risks and safety measures, or if vaccines are recommended. We also suggest you to take a look at the following sites:

    Provincial Government Health Insurance Plans

    For detailed information regarding coverage provided by your government health insurance plan when you are outside of your province of residence, visit the following websites:

    Provincial Government - other websites

    For useful information when planning a trip, such as country profiles, global issues and warnings, laws and regulations, or registration while traveling abroad, you may want to check out the following sites:

    Other useful links

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