X
A
A
A
  • Search icon
  • Questions?

    Covid

    What tips do you have for traveling safely during COVID-19?

    Travel and other restrictions can vary from location to location.  Check for restrictions that may apply during your travel, at your destination and anywhere you might stop along the way.

    Practice Safety
    Maintain a distance of 6 feet (2 meters) between you and others as much as possible.
    Avoid crowds.
    Wear a face covering.
    Avoid touching your eyes, nose and mouth.
    Cover coughs and sneezes.
    Wash your hands often and for at least 20 seconds, especially before and after eating, coughing, sneezing, blowing your nose and touching your face.   Where this is not possible, use hand sanitizer. 

    Packing List
    In addition to your medicines and other regular items, remember the following:
    Alcohol-based hand sanitizer (at least 60% alcohol)
    Disinfectant wipes for surfaces (at least 70% alcohol)
    Face masks
    Thermometer
    Gloves or disposable paper towels to open doors and touch common spots (remember to properly dispose of these items after use)

    Travel by Air
    If traveling internationally, remember to register with the Global Affairs Canada.
    Wear a face mask when in the airport, during screening (if permitted) and when on the plane, unless you are eating or drinking. 
    Keep as much distance as possible between yourself and other passengers.
    Check with your airline to see if you are permitted to carry hand sanitizer and wipes, and how much.  Attach hand sanitizer to a belt or strap so that you do not need to open compartments to access it.
    Keep personal items such as keys, wallets and phones in an easily accessible pocket in your carryon baggage in order to minimize the handling of such items during the screening process. 
     
    Travel by Car
    Plan to make as few stops as possible, but always remember to drive safely and stop if you feel you are getting sleepy.
    Pack face masks and alcohol-based hand sanitizer in an easily accessible spot so that you can use them during the trip as necessary.
    Prepare food and water to take on the trip, including nonperishable items
    When fueling up, use a disinfectant wipe on handles or buttons before touching them. After fueling, use hand sanitizer. When you get to where you’re going, wash your hands using soap and water for at least 20 seconds.
    If you choose to pick up a meal on the road, consider restaurants that offer drive-thru or curbside service.

    Hotels
    Check hotel websites for information on how they are protecting guests and staff, including any enhanced cleaning of common areas, guest rooms, restaurants, etc.. 
    Wear masks and/or practice social distancing measures in the lobby, at the front desk, on elevators, parking and other common areas.
    Use gloves and/or disposable napkins when touching common areas surfaces such as elevators
    Upon entry in your room, wipe down surfaces and common touch points such as door knobs, night stands, desks, etc. using disinfecting wipes. 

    Does the policy provide coverage for private transportation and/or personal expenses if I am stuck in another country and can’t get home on or near my scheduled return date?

    The Medipac Policy is for emergency medical treatment only. It is not a Trip Cancellation/Interruption policy. Should your means of transportation to return to Canada be delayed, expenses related to your extended stay will not be a benefit of your policy. You can, however, apply for an extension of your policy to cover any medical emergencies that may arise.

    What should I do if I have come into close contact with someone in my household who has COVID-19 and/or if I experience symptoms of COVID-19 prior to my departure date?

    We at Medipac encourage all of our clients to consider their health first and foremost. Medical experts have recommended that you be tested if you come into close contact with someone who has been diagnosed with COVID-19. Testing is widely available and you are not required to have symptoms in order to have a test. If you are experiencing symptoms of COVID-19, you should seek medical direction. If someone in your household has COVID-19, it is recommended that you self- isolate for 14 days.

    It is important to understand that while your policy contains coverage for COVID-19, the policy does contain limitations and exclusions, including the exclusion of coverage for a pre-existing condition. As such, if you need to make a change to your policy trip dates and/or need to cancel your policy due to medical reasons, including COVID-19, you can do so free of any administration fees.

    If I am on my trip and the government requires me to immediately return back to Canada, and I am unable to arrange for my return, will I still have coverage under the Medipac Policy?

    Should the government require you to return to Canada during your trip and you are unable to make arrangements to immediately return, you will continue to have coverage for the remainder of your Medipac Policy. Extensions can be provided if you need to remain in destination beyond your covered period; they are subject to the policy terms and conditions. You can apply for an extension by calling Medipac at least 3 days prior to your scheduled return date. See policy wording on policy page 10 for Extension details.

    If I have coverage that is still in effect, such as an annual add-on, will it provide coverage for COVID-19?


    The answer is yes. We will be extending our decision to provide coverage for COVID-19 to any policies that are still in effect, in addition to any policies purchased through our Early Bird. Therefore, if you purchased coverage during the 2019-20 travel season that has not yet expired your policy will provide coverage for COVID-19 subject to the policy terms and conditions.

    Should I purchase my travel insurance now, even though borders are not yet fully open?

    The borders are beginning to open for travel both within and outside Canada. If you wish to travel now and/or plan to travel when restrictions are fully lifted, we recommend that you purchase your insurance under the Early Bird Plan. Should you be making Canada a big part of your travel this year you may want to consider purchasing our Annual Add-on. Medipac recognizes that you may not be able to finalize your travel arrangements at this time or may need to make changes or cancel your arrangements. As such, we will provide a full refund without any administration fees if you need to cancel for medical reasons or for imposed COVID-19 restrictions prior to your scheduled Effective Date; as always, your first date change is free.

    More Covid FAQ's...

    General

    Do I have to be a member of the Canadian Snowbird Association (CSA) to purchase Medipac Travel Insurance?

    No, CSA membership is not required to purchase Medipac Travel Insurance. However the CSA, as an independent not-for-profit volunteer-based organization, has exclusively endorsed Medipac Travel Insurance for more than 20 years. Medipac is the Canadian Snowbird Association’s preferred choice for travel insurance. Visit www.snowbirds.org to learn more about the advocacy work of the CSA; it supports travelling Canadians and snowbirds alike. We encourage you to become a member and to support their efforts. Membership in the CSA also includes access to benefits designed for the unique snowbird and travelling Canadian lifestyles.

    Are there things I am not covered for under my policy?

    Insurance by its very nature has benefits, exclusions and limitations. Travel insurance is not different. You are encouraged to fully read your policy. In particular the Pre-existing Conditions, General Exclusions and General Limitations section of the policy, beginning on page 5 are important sections to review.

    What if my health changes after I purchase my insurance?

    If you have a change in health after you purchase your insurance and prior to your effective date of insurance, your coverage will be limited and may be void. As such it is important that you contact Medipac at 1-888-633-4722 to understand how your policy is affected, which will include a reassessment of your eligibility and rate category.

    A change could be (but is not limited to) a diagnosis, symptom, or something more subtle that you might think could be postponed until you return from your trip, such as a recommended physician referral to a specialist, a test, and recommended investigations or evaluations.

    Regardless of the change in your medical status it is important that you notify Medipac; if you are unsure, speak with one of our medical staff to help you understand the effects to your policy.

    How much does my provincial health insurance plan pay?

    Canadian provincial/territorial government health insurance plans vary and are limited in terms of out-of-country coverage; in fact, in 2020 Ontario discontinued all out-of-country benefits. Other provinces can pay as little as $75.00 a day, whereas the average daily cost for a hospital stay can be more than $10,000USD. Provincial coverage is inadequate and you should not rely solely on your provincial health care plan to cover costs of sickness or injury while traveling outside your province/territory of residence.

    Are your rates different for travel to countries other than the U.S.?

    Medipac Travel Insurance rates do not vary based on your travel destination.

    I am not eligible for the Medipac EB Plan; how can I purchase Individual underwritten Insurance?

    Medipac has developed individual underwritten insurance for those who do not qualify for coverage or find themselves excluded from coverage due to recent changes in their health, changes in their medications or hospitalizations within the past year. Completing a more detailed questionnaire enables our medical staff to thoroughly assess an individual’s health and determine if coverage can be offered, and if so, at what price.

    Due to the more detailed nature of the application, and the need for each application to be reviewed by our medical underwriting team, we are unable to provide personalized quotations immediately over the phone. Underwritten applications must be requested via our Specialty Services Department at 1-877-888-5259 or 416-391-9016. Once an application is sent to you, it must be completed in full and returned to our office. Once your fully completed application is received, you will be notified of your offer of acceptance or decline within 7 to 10 business days. Offers of acceptance expire after 60 days, so if you are going to accept the offer you must confirm in writing within that timeframe.

    Due to the restrictions imposed on us as a business, processing times may be delayed; be sure to leave enough time for handling. Remember, it is your responsibility to ensure that you have a policy number prior to travelling, so be sure to leave enough time

    What is the maximum time I can travel outside of my home province?

    To remain eligible for your Canadian provincial/territorial government health insurance, you cannot travel outside your province/territory of residence for a total of more than 7 months (212 days) within a year, or 6 months (183 days) if you live in Quebec, PEI or Nunavut. This includes travel within Canada. A year may be a calendar year or a 12-month period; check with your ministry of health for full details. Foreign countries have their own rules on how long they will permit a visitor to stay within their borders. In the U.S., Customs and Border Protection (CBP) officers have complete authority to limit your stay, for any reason, to a duration less than the 6-month maximum; they can also deny your entry altogether. In addition, CBP officers may use a simplified method of calculating your maximum 6 month stay (6×30=180), which could result in your being admitted for less than 183 days.

    For more information, join the Canadian Snowbird Association. Included in membership dues ($25 per year or $325 for a lifetime membership) is a Travel Information Guide that answers many of these and other important questions related to travelling Canadians’ lifestyles.

    What if I have to cancel my policy and want to request a refund?

    If you have to cancel your policy and request a refund, you may do so free of administration fees if your refund request is for medical reasons, a death in your immediate family or imposed COVID-19 restrictions. See the refund policy for additional details. If you request a refund for any other reason, a $50 administration fee will apply. Your request for refund must be made prior to your effective date; otherwise only a partial refund will be issued. See “Refund Policy” on page 11 of the Medipac Travel Insurance Policy or page 39 of the Medipac Travel Insurance Guide.

    What happens if I can’t travel on my scheduled departure date and need to make a date change?

    Simply call us before your scheduled departure date to change your travel dates. With all Medipac policies, the first change to your Travel Insurance Policy is FREE; subsequent changes will incur a $20 administration fee.

    Do I need to notify Medipac every time I travel on my Annual Add-on?

    No, you are not required to notify Medipac before you depart on any trip under the Annual Add-on. You are, however, required to provide proof of your departure dates in the event of a claim.

    I purchased my insurance coverage but require additional days. How can I purchase more coverage?

    You can extend the coverage of your Single Trip Policy or extend a single 23 or 33 day trip under your Annual Add-on (Annual Plan) if you require coverage for a longer period of time. To do so, simply call our customer service centre at 1-888-MEDIPAC (1-888-633-4722) or direct from outside the U.S. and Canada at (416) 441-7070 more than 3 days before your Medipac Travel Insurance Policy expires. You must apply for an extension, and have it approved. No extensions will be granted if you have incurred a claim under your Medipac Travel Insurance Policy. A $10 administration fee per person, per extension will apply. For full details, please see page 10 of the Medipac Travel Insurance policy.

    What is the difference between Medipac’s categories: Preferred Plus, Preferred and Standard?

    Preferred Plus, Preferred and Standard refer to the three different rate categories under the Medipac Travel Insurance Plan. The coverage and the benefits provided are the same regardless of which rate category for which you qualify. Insurance premium is the difference between categories. Travel insurance premiums are dependent on your medical condition, and are determined during the application process based on eligibility through the answers you provide to the medical questions.

    I wasn’t able to travel last year. Do my discounts still apply?

    Medipac discounts are based on the purchase of insurance in consecutive years. If a year is missed, your discount is automatically removed. In cases where you could not travel due to health or another extenuating circumstance you may apply to have your discount reinstated. A percentage discount will not be given for any year you did not travel.

    How do I receive my discount when applying online?

    Existing clients can receive their discount by entering their discount authorization code during the application process. Your code consists of one letter and 5 digits. Existing clients will have received their code either by mail and/or email. If you have misplaced your code, call 1-888-633-4722 or 416-441-7070. Our representatives are here to help.

    Clients new to Medipac may be able to receive a discount if they have not been hospitalized, and/or have not made a travel medical insurance claim for the past three to five consecutive years. The discount is based on the number of consecutive years you were not hospitalized and were claim free.

    If you are eligible for the new client claim-free discount, you must complete an affidavit declaring your eligibility. The affidavit can be downloaded from the document section of the website. Once completed, the affidavit document can be sent to our office either by email or mail. The savings cannot be received online during the application process, however once the affidavit document is received by our office you will be refunded the applicable amount of savings.

    The 5% Early Bird savings is provided to all individuals automatically when purchasing online. A discount code is not required.

    Can someone other than me complete my application?

    There may be penalties, limitations in coverage and even the possibility that your policy will be NULL and VOID if your application for insurance is not accurately completed. For these reasons, we recommend that you complete your application yourself, as you are ultimately responsible for ensuring that the answers to all medical questions on your application are true and complete. Where you are unsure of an answer to any of the medical questions on the application, we recommend that you review the question and the appropriateness of your response with your doctor. Further, as the application form becomes a part of the insurance contract, as the insured, you must sign your own application or risk voiding your policy. Persons appointed as your Power of Attorney (POA) may sign the application form; however, supporting documentation confirming their authority as POA is required. The POA should be familiar with your medical history and should review the policy prior to completing and signing the application, as the applicant and POA are interchangeable and responsible for completing the application correctly. Applications signed under a POA must be accompanied by a copy of the POA document. Therefore all applications completed by a POA must be submitted by mail or email.

    What should I have ready when completing my application?

    Whether purchasing online or by mail, we encourage you to familiarize yourself with the policy and application in advance. If you find yourself with questions regarding your health, you should review the question and how you should respond with your doctor to ensure accurate completion of the application; if you have questions, call 1-888-633-4722 or 416-441-7070. Our representatives are here to help.

    Having the following information ready for when you complete your application will make for an easier process:

    • Your dates of travel or, if uncertain, tentative dates (remember you can always modify your travel dates when you know your departure date is confirmed, but a policy cannot be issued without travel dates).
    • Your doctor and specialist’s name and phone number.
    • The name and phone number of someone you wish to use as your emergency contact; this person should not be travelling with you.
    • Discount authorization code, as found in your personalized letter (if you are unable to locate your code call customer service at the number provided above).
    • Your credit card number
    • If you have other insurance and want to top-up (combine) your coverage with Medipac, or you have a Medipac Annual Add-on and want to purchase more coverage, you should have the name of your plan, the insurance company and policy number available to enter on your application. For a more detailed understanding of how to combine coverages review the “I have other insurance coverage” question.
    • Your travel address/destination
    I have other insurance coverage. Can I combine and/or top up my coverage with the Medipac Plan and what should I consider?

    Medipac has several options for clients who have other insurance coverage and are looking to increase their policy limit and/or lengthen their trip.

    Top-up:

    If you have other out-of-country insurance coverage with a policy limit of at least $500,000 for a specific number of days and wish to purchase Medipac coverage to lengthen your days of travel, you can purchase additional coverage from Medipac to take effect at the end of your existing insurance. This is known as TOP-UP coverage. However, it is recommended that you travel with coverage of at least $1,000,000. An example of such existing coverage is the retired teachers plan of Ontario.

    It is important to note that for all top-up plans, the eligibility, rate category and pre-existing requirements apply prior to your effective date of Insurance. Therefore, if you have a change in health after your date of travel and prior to your Medipac policy coming into effect, your coverage will be limited and/or possibly VOID. This means that if you seek attention prior to your Medipac policy coming into effect and you are hospitalized on your Medipac effective date you may not have coverage under your Medipac Plan or under your other insurance plan. For this reason we recommend that you purchase insurance with Medipac for the entire duration of you trip.

    Lifetime Maximum Coverage: If you have other insurance coverage with a lifetime maximum limit, you may choose to use a portion of your benefit to reduce your premium by selecting a high deductible and seeking reimbursement from your other insurer. You will be required to pay your deductible to Medipac upfront at the time of a claim. Therefore, it is important for you to understand what your other insurance covers.

    Co-insurance: If you have out-of-country insurance with a co-insurance feature, Medipac may be able to provide you with premium savings through our co-insurance program. Call 1-888-633-4722 or 416-441-7070 to request a co-insurance application as well as a regular application.

    Federal Superannuates:

    Most retired federal civil servants, military personnel and retired RCMP officers participate in the Public Service Health Care Plan which provides out-of-country insurance coverage with a policy maximum of up to $500,000 CAD. Medipac cautions that this limit may not be enough while travelling, and therefore may not provide the protection necessary in the event of a major accident or illness.

    As such, Medipac offers premium credits and benefits to Public Service Health Care Plan members (Federal Superannuates) who purchase coverage from Medipac for the entire duration of their trip, and recommends this option for Federal Superannuates. By purchasing Medipac for the entire duration of the trip, Federal Superannuates are covered from their date of departure to the end of their trip with Medipac’s maximum policy benefit of $2,000,000USD and receive a credit toward their premium, in addition to receiving a 40-day annual plan at no extra cost (which begins on their effective date of insurance).

    We are aware that some Federal Superannuates take a chance and only buy Medipac as a top-up. Under these circumstances, normal top-up rules apply. See Top-up above.

    What should I have ready when completing my application?

    Whether purchasing online or by mail, we encourage you to familiarize yourself with the policy and application in advance. If you find yourself with questions regarding your health, you should review the question and how you should respond with your doctor to ensure accurate completion of the application; if you have questions, call 1-888-633-4722 or 416-441-7070. Our representatives are here to help.

    Having the following information ready for when you complete your application will make for an easier process:

    • Your dates of travel or, if uncertain, tentative dates (remember you can always modify your travel dates when you know your departure date is confirmed, but a policy cannot be issued without travel dates).
    • Your doctor and specialist’s name and phone number.
    • The name and phone number of someone you wish to use as your emergency contact; this person should not be travelling with you.
    • Discount authorization code, as found in your personalized letter (if you are unable to locate your code call customer service at the number provided above).
    • Your credit card number
    • If you have other insurance and want to top-up (combine) your coverage with Medipac, or you have a Medipac Annual Add-on and want to purchase more coverage, you should have the name of your plan, the insurance company and policy number available to enter on your application. For a more detailed understanding of how to combine coverages review the “I have other insurance coverage” question.
    • Your travel address/destination
    When purchasing online the system asks me for an electronic signature. What does this mean?

    An electronic signature has the same significance as a written signature. Being asked to complete an electronic signature means that each individual applicant is signing off that you have completed the application personally and that you declare your answers to be true and complete. The electronic signature is located at the end of the application process. Applicants 1 & 2 (if applicable) must type in their full name (first and last) and date of birth. The name and date of birth must correspond to the name and date of birth you placed under applicant 1&2 at the beginning of the application process. Applicant 1 cannot sign for applicant 2 and vice versa. Be sure to double check your spelling.

    How can I complete an application and purchase a Policy?

    With the current restrictions imposed on businesses by the government as a result of COVID-19, we recommend that you purchase your insurance online. The website has a complete copy of the policy for you to review prior to purchase, so there are no surprises. Purchasing online is the most efficient way to buy your insurance coverage. Once you have completed your application and paid your premium, your policy confirmation documents will be sent to your email immediately. It’s that simple! If for some reason you do not receive your confirmation immediately, try checking your junk (spam) folder instead of your inbox. If you still have not received it, call 1-888-633-4722 or 416-441-7070. Our representatives are here to help.

    You can also purchase coverage by completing a hard copy application and mailing it to our office, along with your premium payment. Due to current restrictions the mail is slow to arrive and precautions have been placed to ensure safe handling of all correspondence; this may result in a delay in receiving your policy. In addition, should you miss completing a part of your application it will need to be returned to you for completion and resubmitted prior to issuing a policy, which may further delay processing. Once all is complete, payment is received, and your application is processed, your policy confirmation will be forwarded to you by mail.

    Irrespective of your purchase method, we recommend that you buy your policy early, not only to take advantage of the benefits available to you under the Early Bird Program, but more importantly to ensure that coverage is in place before you travel. Remember, it is your responsibility to ensure that you have a valid policy prior to travelling.

    More FAQ's...

    Claims

    Do I have to fill out the COB (Co-ordination of Benefits) section on the claim form?  I’m retired and the company I worked for no longer exists.

    Completing the co-ordination of benefits section of the Emergency Medical Expense Claim Form is necessary for you to disclose your other insurance information, if applicable.  If the company you worked for no longer offers insurance or did not provide any coverage, then this section of the claim form does not apply to you.  If the company you work for no longer exists but you still have coverage available, you must still complete this section of the claim form. 

    I sent Medipac a receipt from the doctor’s office. Why can’t you reimburse me for this bill?

    A medical bill must be produced for any medical attention you obtained while out of the country. In some provinces/territories this billing is required for them to consider the expense for reimbursement. Bills must meet certain criteria in order to be considered for payment as well. Usually this means including procedure codes, diagnostic codes, the tax id of the medical provider, etc. If the bill or receipt submitted does not meet these requirements, then Medipac will attempt to obtain this information from the health care provider on your behalf. Until this information is obtained, the bill is considered incomplete.

    Who can be a witness on the claim form and why do I have to have a witness?

    A witness can be anyone who has seen you sign the travel insurance claim form, and can include a family member, friend or neighbor. A witness signature is a requirement from the Provincial Health Insurance department.

    How long does it take to process my claim?

    It is difficult to predetermine the length of time it takes to process a claim. Once a claim is opened, certain claim protocols are followed. These include obtaining our completed claim form, deductible (if applicable), medical records and official billing from medical and other providers. Once all of this required documentation is received, Medipac strives to process the claim within 5 business days.

    How can I get my deductible reimbursed from my other insurance company?

    You must first pay your deductible to Medipac. Once your claim is processed we will contact your other insurance company on your behalf. Your other insurer will review and process the request. Any reimbursement will be paid to you directly.

    Is my deductible in U.S. or Canadian dollars? What about my premium and the plan benefits?

    The policy deductible is in U.S. dollars, as indicated on the insurance application. Premiums are in Canadian dollars. Any plan benefit maximum amounts, and the total maximum policy benefit are in U.S. dollars unless otherwise stated in the policy.

    Do I have to pay a deductible for each claim on the same policy?

    The deductible applies only once during a Single Trip Policy. If you have purchased an Annual Add-on to your policy, the deductible applies per trip.

    When do I have to pay my deductible?

    Payment of the policy deductible is required if you make a claim against your insurance policy. Therefore, if you selected a deductible when you purchased coverage, you must be prepared to pay your deductible to Medipac at the time you incur a claim. If you have made payments directly to one or more health care providers, Medipac will reimburse you for eligible expenses. Be sure to review the back of your insurance card and ask your health care providers for the specific types of invoices that Medipac requires for reimbursement.

    How much does my provincial health insurance plan pay?

    Canadian provincial/territorial government health insurance plans vary and are limited in terms of out-of-country coverage; in fact, in 2020 Ontario discontinued all out-of-country benefits. Other provinces can pay as little as $75.00 a day, whereas the average daily cost for a hospital stay can be more than $10,000. Provincial coverage is inadequate and you should not rely solely on your provincial health care plan to cover costs of sickness or injury while traveling outside your province/territory of residence.

    How will my claim be handled?

    Within 10 days of reporting your travel insurance claim you will be mailed a Claim Kit. The package will include everything necessary to submit your claim, including instructions and all necessary forms. These Claim Forms must be returned to our office within 30 days from the date of your claim.

    Why does a last will and Testament have to be notarized?

    For your protection, a Last Will and Testament must be an original copy, or a notarized copy, to ensure that we are dealing with the proper individual named as executor/executrix and that we are conforming to legislative requirements

    What can I use for Proof of Departure?

    Proof of Departure is required if you make a claim against your Medipac Annual Add-on policy.  Proof of Departure can be provided in many forms.  The most common forms are:

    • An airline boarding pass from Canada to your foreign destination
    • A receipt from the duty-free shop at a border crossing
    • If driving;
    • a hotel/motel receipt for the first night following your departure from Canada
    • gas or retail receipts near the border following your departure
    Why do I have to complete a claim form?

    We require a completed claim form to process your insurance claim. The claim form is a formal means by which you request payment of benefits under the contract of insurance. The claim form is also the document that provides Medipac with the authorization to pay bills on your behalf and allows Medipac to request additional information from medical providers – such as official billing and medical records – which may be required to complete the review of your claim and pay your expenses to providers directly. Please complete all sections of the claim form that apply to you.

    B.C. clients. Why do I have to fill out so many forms? (B.C. Claim Form, Schedule A, and Schedule B)?

    These forms are required by the B.C. Medical Services Plan when submitting a claim. The B.C. Claim Form, much like the Medipac claim form, is the formal document necessary for making a claim for benefits to the B.C. provincial health insurance plan. Schedule A provides your authorization for the B.C. Medical Services Plan to pay any benefit amounts under the plan directly to Medipac, rather than have them pay you and have you forward the payment to Medipac – remember, when your claim is approved, Medipac will settle all bills, but is supplemental to your B.C. Medical Services Plan; any reimbursement under that plan is paid to Medipac. Schedule B provides your authorization for Medipac to obtain any medical information from the B.C. Ministry of Health that they may have for the period you were insured by Medipac, for the purpose of adjudicating your claim with Medipac.

    More Claims FAQ's...

    MedipacPlus

    Do I have to complete the whole claim form and pay a deductible for a Return to Canada (RTC) claim?

    When making a claim under the Return to Canada MedipacPLUS benefit, complete all sections of the claim form applicable to you and your claim.

    How do I make a Return to Canada claim?

    The following must be completed and sent to Medipac:

    • claim form
    • affidavit [saying what?]
    • original or notarized copy of the death certificate
    • your boarding pass or flight information for both your travel back to Canada
    • your return to your trip destination.

    This information is needed to ensure that all benefits applicable to your claim are applied properly and that your claim is not delayed due to insufficient information.

    Who are considered to be Immediate family members?

    This information is outlined in the endorsement you received with your travel insurance policy, as well as in the Medipac Travel Insurance Guide. To clarify, immediate family is defined as mother, father, son, daughter, mother-in-law, father-in-law, son-in-law, daughter-in-law, granddaughter and grandson.

    When is the Return to Canada benefit applicable?

    The Return to Canada benefit is applicable when a member of your immediate family becomes deceased while you are on your trip and you wish to return to Canada to attend the funeral and then return to your vacationing destination. The benefit will not apply for any trip you make to visit a family member who is not yet deceased. The Return to Canada benefit is also applicable in the event that your primary residence in Canada becomes uninhabitable due to a natural disaster while you are on your trip. Please refer to the endorsement you received with your policy card package or to the Medipac Travel Insurance Guide for further details.

    How does claim forgiveness apply? Does this mean I don’t have to pay anything on my claim?

    If you have one (1) payable medical claim on your policy, MedipacPLUS protects your ‘Claim Free’ status and applicable discount for the following year’s purchase of Medipac Travel Insurance. You would still be responsible for any Deductible you have chosen (if applicable). Should you have a second payable claim on the same policy, then you would not be entitled to a Claim Free Discount for purchases made the following year. You will, however, retain your Loyalty Credit.

    Will a claim under any of the MedipacPLUS benefits count as a claim when purchasing an insurance policy next year? If so, will I lose my Claim Free Discount?

    A claim under MedipacPLUS is not consider as a claim applicable to our Claim Free Discount program. As such, this type of claim does not affect your ‘Claim Free’ status or discount with Medipac.

    Note: even if you had one other payable medical claim, your MedipacPLUS benefits will allow for preservation of your discount. If you had a second payable medical claim, you may lose your Claim Free Discount, but will be entitled to your Loyalty Credit for future purchases.

    More MedipacPlus FAQ's...
    DOCUMENTS

    CONTACT US

    Medipac strives to provide customer experience that is both easy and professional. Our call center lines are staffed with dedicated customer service representatives who can help you better understand the Medipac Plan, help you to enrol in the plan and or make changes to your existing policy.

    Remember: if you have a change in health prior to your Effective Date of Insurance – CALL US.

    Call Centre Hours (EST)

    Monday to Friday : 9:00 a.m. – 7:00 p.m.
    Saturday : 9:00 a.m. – 5:00 p.m.

    Walk-in Centre Hours (EST)

    Walk-in Centre is temporarily closed.
    We apologise for any inconvenience.

    Location

    Enrollment

    Toll Free : 1-888-633-4722
    Local Number : 416-633-4722
    Fax : 416-441-7030
    Email : admin@medipac.com
    Address and Medipac
    Walk-In Centre :
    Medipac Travel Insurance
    180 Lesmill Rd.
    Toronto, Ontario M3B 2T5

    Emergency Assistance

    For Emergency Medical Assistance Only - Available 24 hours:

    Toll Free from
    the U.S.A.
    and Canada :
    1-800-813-9374
    Local : 416-441-6337
    Fax : 416-441-7059
    E-mail : assist@medipac.com

    Claims

    Toll Free : 1-888-311-4761
    Local Number : 416-441-7073
    Fax : 416-441-7059
    E-mail : claims@medipac.com
    Address : Medipac Claims Department
    180 Lesmill Rd.
    Toronto, Ontario M3B 2T5

    *Please note that changes and extensions to existing policies cannot be accepted via e-mail.