Southern Elements - Medi-Quote

Southern Elements®

Plan Highlights

  • Upgrade available to reduce the stability period to 7 day prior to departure with 250,000
  • Option to remove coverage for pre-existing medical conditions
  • Reduced surcharge for Asthma compared to other Lung/Respiratory Conditions
  • Option to add trip return benefit
  • Option to upgrade your retiree plan to $2,000,000

Pricing Factors

Factor Details
Deductible options available for savings:
  • $0
  • $99 (CAD) – Saves 5%
  • $250 (CAD) – Saves 10%
  • $500 (CAD) – Saves 15%
  • $1,000 (CAD) – Saves 20%
  • $5,000 (CAD) – Saves 35%
  • $10,000 (CAD) – Saves 45%
Plans Available:
  • Multi Trip Annual Plan – 5, 15, 25, and 35 days (All Multi-Trip Annual Plans offer unlimited coverage within Canada)
  • Single Trip Coverage
    • Up to 212 days
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 time of booking.
  • $10 minimum policy fee
Age Restrictions:
  • Available for those Age 0-89
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 $30 Administration Fee
  • Refund amount minimum $10 per Policy
  • Must supply MQIB with Proof of Return
Extensions after effective date:
  • Subject to answering no to the 3 questions below:
    • Have you had any claims, or do you plan to submit a claim against your policy?
    • Have you had any changes to your health or medication since departing?
    • Have any Pre-Existing Medical Conditions NOT remained stable?
  • Minimum amount of $10 per Policy

 

Plan Details
Alpha & Beta Pre-Existing medical conditions are covered providing your condition has been stable and controlled for at least 90 days before departure with no changes to your health, medication or treatment (with the exception of blood pressure and cholesterol which is 60 days).
Delta & Epsilon Pre-Existing medical conditions are covered providing your condition has been stable and controlled for at least 180 days before departure with no changes to your health, medication or treatment (with the exception of blood pressure and cholesterol which is 90 days).
Omega Pre-Existing medical conditions are covered providing your condition has been stable and controlled for at least 365 days before departure with no changes to your health, medication or treatment (with the exception of blood pressure and cholesterol which is 180 days).
Kappa Pre-Existing medical conditions are covered providing your condition has been stable and controlled for at least 180 days before departure with no changes to your health, medication or treatment.
Sigma Pre-Existing medical conditions are not covered, regardless of stability.

 

Please note: This insurance does not provide coverage for Parkinson’s disease, a heart disease/condition treated with nitroglycerin, a recurrence of cancer, kidney stones, gallstones, epilepsy or seizures unless you have requested and paid for the option to remove this exclusion.

 

Benefit Highlights

For a Full List of Benefits Click Here

 

Benefit Details
Overall Maximum:
  • Up to $2 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 for
Emergency Return Home:
  • When recommended by your attending physician
Repatriation of Remains:
  • Up to $5,000 to have your remains repatriated
Return of Companion:
  • Up to $3,000 to return your insured travelling companion
Accidental Dental Coverage:
  • $2,000 if you suffer an accidental blow to the mouth
  • $350 if you require relief of dental pain
Vehicle Return:
  • Up to $3,000 to return your vehicle
Trip Break:
  • Trip break available on single trips with prior approval to return home for special events
Meals, Hotel and Taxi:
  • 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 and taxi fares
Hospital Allowance:
  • Up to $50 per day up to $500 for telephone, TV rental, and parking
Automatic Extension:
  • Up to 72 hours for Delay of Conveyance beyond your control
  • If you are hospitalized
  • Up to 72 hours if a Medical Emergency prevents you from returning on schedule
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.
  • 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.

 

Additional Optional Upgrades

Benefit Details
Reduced Stability
  • Reduces Pre-existing medical condition Stability up to $250,000 (CAD) for conditions stable for more than 7 days but less than the stability of the plan you qualify for
    • Not available with the Pre-existing condition upgrade
Retiree Plan Upgrade:
  • When topping up a retiree plan with a maximum limit of 40 days and at least $500,000 coverage, and you are purchasing a minimum of 30 top-up days, Southern Elements will supplement your coverage up to $2,000,000.
Upgrade Pre-existing condition clause :
  • Add coverage for Parkinson’s disease, a heart disease/condition treated with nitroglycerine or a recurrence of cancer, kidney stones, gallstones, epilepsy or seizures for a 10 % surcharge .
Trip Return :
  • If you are returned to your home province under Benefit 12 and your physician in Canada determines that the emergency and associated treatment is over with no recurrence reasonably expected, and clears you for travel, we will reimburse up to $5,000 to return you and your travelling companion to your original destination. Your original trip period must not have lapsed or be within 7 days of expiring, and any subsequent recurrence or complications of the preexisting condition that caused the original emergency will be excluded.(This benefit is payable only when pre-approved and arranged by the assistance company, and only if you opted to purchase this upgrade).
Option to remove coverage for Pre-Existing conditions :
  • If you qualify for the Beta, Delta, Episilon, Omega or Kappa plan you can opt to remove coverage for all pre-existing conditions for a discounted premium rate of 20%. If you did, your plan will not cover pre-existing conditions, it will only cover new sickness and accidents. This exclusion includes pre-existing conditions which have been stable and/or treated prior to your departure date. Your Confirmation of Coverage will indicate no coverage for pre-existing conditions.

 

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.

  • Eligibility – Starts on page 1- Click Here
  • Types of Plans Offered – Starts on page 2 – Click Here
  • Beginning and End of Coverage – Starts on page 2 – Click Here
  • Extensions – Starts on page 6 – Click Here
  • Cancellation and Refunds – Starts on page 7 – Click Here
  • Benefits – Starts on page 3 – Click Here
  • Exclusions and Limitation – Starts on page 4 – Click Here
  • Coordination with Other Insurance – Starts on page 7 – Click Here
  • Claim information – Starts on page 8 – Click Here
  • Statutory Conditions – Starts on page 7 – Click Here
  • Definitions – Starts on page 8 – Click Here
  • Privacy – Starts on page 10 – Click Here

Complaint Handling

Any complaints that you may have can be directed to complaintofficer@mediquote.ca. For any complaints that remain unresolved, please refer to the underwriter’s Complaint Handling Policy.

Underwritten by Industrial Alliance Insurance and Financial Services Inc.

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.