Southern Bound

Plan Highlights

  • A great new plan for Snowbirds that provides great coverage and rates.
  • Public Service Healthcare Plan upgrade available for purchase, supplementing your existing plan to $5,000,000 emergency medical coverage.
  • a “Canada Only” option with lower rates and coverage for pre-existing conditions when you’re travelling only within Canada, outside of your own province.
  • Optional Upgrade to lower Stability to 7 Days for selected medication changes for an additional surcharge.

Pricing Factors

Factor Details
Deductible options available for savings:
  • $0 deductible
  • $250(USD) deductible Saves about 9%
  • $500(USD) deductible Saves about 13%
  • $1,000(USD) deductible Saves about 18%
  • $2,500(USD) deductible Saves about 27%
  • $5,000(USD) deductible Saves about 36%
  • $10,000(USD) deductible Saves about 50%
Plans Available:
  • Multi Trip Annual Plan – 4, 9, 16 and 30 days   (All Multi-Trip Annual Plans do offer coverage for an unlimited amount of trips and duration of trips inside Canada outside home province/territory) for Age 60-85  
  • Single Trip Coverage 
    • Age 60-85 travel up to 365 days for Single trips and Top-up coverage
    • Age 0-85 Canada only Travel up to 365 days
    • Age 0-85 PSHCP Supplemental Plan
Rate Information:
  • Top-up rates based on total number of days away, including days already covered by Multi-Trip Annual Plan or Other Coverage.   Rates based on age at booking. 
  • $25 minimum transaction fee.
Changes Prior to Effected Date:
  • Dates can be changed up until Effective Date
  • Policies can be cancelled up until Effective Date
  • No change or cancellation fees
Refunds for Returning Early:
  • Subject to no claims being made against your policy
  • Subject to a $25 Administration Fee
  • Refund amount minimum $25 per Policy
  • Must supply MQIB with Proof of Return

 

BENEFIT HIGHLIGHTS:  

For a Full List of Benefits Click Here

Benefit Details
Overall Maximum:
  • Up to $5 Million
Emergency Medical Coverage:
  • For accidents, injury or sickness – coverage Includes ambulance transportation, hospital accommodation and care, diagnostic testing, physician and nursing services, surgery, medical supplies, equipment and medication
Pre-Existing Medical Conditions:
  • Covered if your condition meets the “stable and controlled” requirements of the plan you qualify under for all of those benefits
Emergency Return Home:
  • If your treating physician(s) insurance company’s medical advisor(s) recommends that you return home because/after of your emergency
Repatriation of Remains:
  • $5,000 to have the remains returned if you should pass away while you are away.
Return of Companion:
  • If your are returned via emergency return home or repatriation benefit, we will return your travel companion if they are insured under the same company
Accidental Dental Coverage:
  • Up to $2,000 if you suffer an accidental blow to the mouth
  • Up to $350 if you require relief of dental pain
Pet Return:
  • Up to $500 for return of Cat and Dog.
Vehicle Return:
  • Up to $3,000 charged by a commercial agency to bring your vehicle home.
Trip Break:
  • Can return back to home province/territory without impacting coverage as no medical treatment is received
Out of Pocket Expenses
  • If an Emergency prevents you from returning as planned the insurance company will pay up $150 per day up to $1500 for extra meals, hotel, parking and taxi fares
  • If hospitalized reimbursement up to $250 for charges for Television, Parking and Telephone Charges
Automatic Extension:
  • Up to 5 days due delay of Common Carrier or delay caused by accident ot mechanical breakdown
  • If you deemed not medically stable to travel by the Insurance company
  • Due Inclement Weather
Please Note:
  • All benefits must be pre-approved by the insurance company by calling the phone number provided on the confirmation of insurance/Wallet Card provided upon the purchase of the policy.
  • In an emergency and prior to seeking medical assistance it is extremely important that you call the insurance company assistance centre phone number located on your wallet card before seeking treatment, or as soon as you are physically able.

 

Policy Wording
  • The Policy Wording has a full explanation of the benefits available and the exclusions as they apply to all travelers.
  • We strongly recommend you take the time to read through it and let us know if you have any questions or concerns.
  • The policy wording for this plan can be found under the policy documents section near the top of the page as well as the links below. We have linked each section to the specific page the the section starts on to make it easier for you.

Underwritten by Zurich Insurance Company Ltd.

Premium in Canadian Dollars

Read your policy and know what you have purchased before you depart on your trip.

This page contains only a consolidated and summary description of all current benefits, conditions, limitations and exclusions. A Policy Document containing the complete Policy Wording with all terms, conditions and exclusions will be included in the fulfillment kit.

Your Best Insurance Plan Starts with Medi-Quote

We’re insurance brokers, which means we’ll shop around on your behalf to find the right plan for your specific needs at the best possible price. We aren’t tied to specific products or motivated by sales incentives, so it’s your best interests we serve. We’re available to you anytime, if you have questions or need assistance making a claim.