Travel Insurance Tips
Every travel insurance policy has limitations and conditions. Ensure you understand the Pre-existing Condition Clause of your policy, and note that these conditions usually apply before your departure date, NOT when you purchased the policy. If you purchase an annual plan, these conditions apply to the departure date of each and every trip.
Medipac’s 90-day stability period and clause wording combine to be one of the fairest and most liberal Pre-existing Condition clauses in the industry.
Medipac International Inc. (Medipac) has been providing third party administration and insurance services to groups, associations, companies and individuals for over 20 years. As a well-established, independent corporation, we strive for the highest levels of customer service and maintain strict policies and procedures surrounding the privacy of our clients' personal information. We view our clients as our most valuable assets, and do not sell or distribute our clients' personal information to any unrelated or un-affiliate third party. Information is collected for proprietary use of Medipac, its affiliates and partners to offer insurance and ancillary products and services to our clients and prospective clients.
Why Medipac Collects and Discloses Personal Information
Medipac collects and discloses personal information for the purposes of servicing the needs of Medipac clients. This includes information typically required on insurance and other applications, as well as information necessary in the process of offering our quality products and services to our clients and fulfilling our responsibilities as an insurance administrator. Some or all of the personal information collected will be shared with third parties, though only in the exercise of our duties and obligations and to enhance our products offered and your customer service experience.
Types of Personal Information Collected by Medipac
Medipac collects a wide variety of personal information. However, the quantity greatly depends on the circumstances surrounding the collection, as well as the products or services being offered. Without limiting the generality of this, examples might include: medical, health and claims histories, travel information, mailing addresses, banking and other financial information.
How Medipac Obtains Personal Information
Medipac typically obtains personal information directly from the client, either through fax, mail, electronic mail, telephone or in person. We do, however, collect additional information from third party sources in the process of providing our services. As an example, when providing a quotation on an insurance policy, we may obtain medical or other information from health professionals, as well as claims or underwriting information from insurance companies or other insurance industry sources. By providing Medipac with certain information, it is implied such consent is given by the client for Medipac to access and utilize information provided by third parties.
How and to Whom Medipac Discloses Personal Information
Medipac discloses personal information only for the reasons listed above or if required to do so by law. Furthermore, as an insurance administrator it is necessary for personal information to be transferred to third parties in order to effectively provide our services and to ensure proper insurance coverage for our clients. Examples of these third parties include (but are not limited to): insurance companies, insurance underwriters, medical investigators, medical professionals, emergency medical assistance companies (e.g. Medipac Assistance International, or other), financial institutions and/or others. Please note, however, that when Medipac discloses data containing personal information to third parties, the disclosure is subject to strict confidentiality requirements.
Although attempts may be made to obtain formal consent to disclose personal information, consent is generally assumed to be implied by the client when Medipac provides its services to the client and/or where an administrator-client relationship has been established. In addition, where other individuals may be named as an insured emergency contact or perspective client of Medipac, it is assumed that the principal client has attained the permission to disclose personal information of such individuals. Consent may be revoked at any time with prior written notice by the client.
When Medipac discloses personal information to an approved investigative body (such as the Insurance Crime Prevention Bureau) or when we believe that the information relates to the breach of an insurance policy, other agreement or Canadian law, or when we are required by law to disclose the information, consent may not be obtained. Similarly, if personal information is disclosed to a lawyer for claims purposes or to obtain legal advice, consent may not be obtained.
How Medipac Ensures the Security of Your Personal Information
Personal information recorded in documents is securely stored at Medipac's offices in Canada and at the offices of Medipac's affiliated companies. Electronically recorded information is stored on computer systems maintained by Medipac and Medipac's affiliated companies. These computer systems and the information stored on them are protected by electronic security systems. Access to all personal information is restricted, and only Medipac employees, contractors and representatives with the proper authority are permitted to access such information, and only when they have a legitimate business need to do so. Medipac employees receive training with respect to proper personal information handling practices and they are under obligation to comply with privacy laws, this policy and related codes of conduct.
Accuracy and Access to Personal Information
Medipac is committed to the accuracy of the personal information that it uses or discloses. Upon written request and subject to the following (and any other reasonable conditions which may be necessary), we will provide reasonable access to personal information exclusively to the individual to whom it refers. We will not provide access in any of the following circumstances, if doing so would likely reveal:
- personal information about a third party
- confidential commercial information
- information that could affect the security of another person
- information related to the actual or suspected breach of an insurance policy or other agreement, or the breach of Canadian law
information generated in the course of a formal dispute resolution process
Requests for further information, personal information access or complaints about Medipac's handling of personal information should be referred to Medipac's Privacy Officer, as follows:
Medipac International Inc.
180 Lesmill Rd.
Toronto, Ontario M3B 2T5
Inquiries and Complaints
All privacy related inquiries and complaints must be directed to the Privacy Officer of Medipac in written format using the above contact information. Submissions should include the following:
- Clients' full name
- Contact information
- Policy number(s)
- Clear description of the inquiry or complaint
- Supporting documentation