fbpx

Southern Elements®

Effective September 29 2020

Plan Highlights

  • Excellent coverage up to $2 Million maximum for medical emergencies
  • Option to add COVID-19 Coverage for trips to USA and Mexico
  • Designed specifically for long term travellers
  • 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
  • Option to add trip return benefit
  • Option to upgrade your retiree plan to $2,000,000
  • Option to Reduce Stability for High Blood Pressure and Cholesterol
  • Policies can only be booked 45 days in advance of your departure date
  • Unlimited within Canada coverage is NO LONGER AVAILABLE ON THIS PLAN
  • NEW for this year: Cancellation Fee if you cancel your trip in advance of your effective date

COVID-19 Coverage


With the COVID-19 Upgrade
  • Coverage available for the United States or Mexico
  • Coverage not available if going on Cruise
  • Coverage for hospital and physician costs due to COVID-19 whether there is a travel advisory in effect on your departure date or not
  • Coverage limit is $200,000 CAD, and all claims will be subject to a deductible of $500
  • The COVID upgrade is only available on Single Trips
  • The COVID upgrade is only available to those under age 80
  • You must be symptom free, have not tested positive or be waiting for a test result, and not have been in contact with someone that tested positive within 14 days of your departure date.
  • Accommodation, Meals and Out-of-Pocket Expenses will increase by $750 if you are required to quarantine to cover the cost of mean and or grocery delivery while isolating.
  • If a travel advisory is called requiring Canadians to return to Canada, you would not be obliged to follow this, as your coverage would continue until your policy expiry date.
  • By purchasing the Upgrade, your cancellation fees would be waived if you have to cancel your trip due to a positive COVID-19 diagnosis prior to your departure date.
  • If you test positive for COVID-19 and this prevents you from returning home prior to your expiry date, coverage will automatically be extended to a maximum of 17 days to allow for a 14 day quarantine period and 3 days to return home.

Without Covid Upgrade If you have not purchased the COVID-19 upgrade, AND there is no travel advisory when you depart Canada, your coverage for COVID-19 is limited to $200,000 CAD

Pricing Factors

Factor Details
Deductible options available for savings:
  • $0
  • $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
  • Must purchase a top up if travelling more you’re your annual plan days
  • 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 Effective Date:
  • Dates can be changed up until Effective Date
    • No change fees
  • Policies can be cancelled up until Effective Date
    • Cancellation fee prior to departure is $50 unless you or your travelling companion are unable to travel due to sickness or injury (a Physician’s statement is required)
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.
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.
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.
Kappa 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.

 

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.
Option to add coverage for COVID-19 :
  • Coverage up to $200,000 CND includes additional benefits to cover additional out of pocket expenses and does allow for an automatic extension to quarantine for a additional 14 days.
Option to reduce Stability for Blood Pressure / Cholesterol :
  • Reduces Stability for Blood Pressure and Cholesterol from:
    • Alpha and Beta: 60 days
    • Delta and Epsilon: 90 days
    • Omega: 180 days

 

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 7 – 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 6 – Click Here
  • Claim information – Starts on page 8 – Click Here
  • Statutory Conditions – Starts on page 8 – Click Here
  • Definitions – Starts on page 9 – Click Here
  • Privacy – Starts on page 11 – Click Here
  • 1

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.