Claim procedure

• In the event of a medical emergency due to a medical condition which may require or result in hospitalization, contact us as soon as possible.
• Any notices of claim or correspondence concerning a claim should be promptly sent to: Claims at TuGo 1200-6081 No. 3 Road Richmond, BC V6Y 2B2 Canada
• Claims for medical, dental and trip cancellation & trip interruption can be opened online at tugo.com/claims, although some restrictions apply.
• Any cost incurred to obtain documentation required to confirm eligibility of your claim, other than medical records requested by us is the responsibility of the claimant.
• To receive benefits, any requested supporting documentation must be provided by the claimant. Claim Forms will be provided to the claimant to complete and return to us. It is the claimant’s responsibility to complete and/or produce any documentation that we require to process and confirm the eligibility of the claim.
• All required documentation must be received within one year from the date of loss. Failure to do so will result in the denial of the claim.
• To qualify for reimbursement, itemized receipts must be provided as support for all eligible expenses. If itemized receipts are not provided, the expense will not be reimbursed.
• If the claim is the result of a death, the following documents are required:
• A copy of the death certificate
• A copy of the Will or Power of Attorney
• A police report, if applicable

The claim forms must be signed by the Executor of Estate or the person who holds Power of Attorney.

Claim procedure

• You can submit a claim directly on our website: www.oldrepubliccanada.com/Claims/TAI by selecting Go to eClaims. You can also download a claim form from this site and send it to us at the address below.
• Travel Claims Department
• P.O. Box 557, Hamilton, Ontario L8N 3K9
• Toll Free in Canada & USA: 1-888-526-0111
• Telephone Direct 905-667-3391
• Toll Free Fax: 1-866-551-1704
• Email: traveladmin@orican.com
• To make a claim for benefits under this policy:
• Submit your claims forms within 30 days of incurring the expense or loss, or as soon as reasonably possible thereafter;
• Proof of the claim must be submitted within 90 days, and no later than 12 months from the date of the event or loss.

Claim procedure

• In the event of a medical emergency you must provide written notice of claim within 30 days after contacting GMS Travel Assistance. Notice of claim form will be provided to you by GMS Travel Assistance on your initial contact.
• To be eligible to claim, you must submit the following documentation to GMS as soon as possible and no more than 90 days from when the illness or injury occurred:
• original itemized receipts for all bills and invoices;
• proof of payment by you
• medical records, including a completed diagnosis by the attending physician;
• for dental claims, proof of the accident;
• proof of the travel dates including your departure date from your country of origin and visa documentation, if requested by GMS;
• your historical records, if requested by GMS; and
• Submit your claims forms within 30 days of incurring the expense or loss, or as soon as reasonably possible thereafter;
• in the case of claims involving your death, GMS may require an autopsy subject to any law of the applicable jurisdiction relating to autopsies.
• Expenses must be submitted to GMS no later than 12 months from the date of the last eligible expense to be considered for reimbursement.

Claim procedure

• In a serious medical emergency, get to a hospital and have someone call on your behalf within 24 hours of admission and before any surgery is performed. If you fail to notify Allianz Global Assistance without reasonable cause, the insurer will only pay 80% of the eligible expenses. You will be responsible for paying the remaining 20%.
• Claims for out-of-pocket expenses can be submitted through the secure Allianz Global Assistance. Claims Portal: www.allianzassistanceclaims.ca for the most efficient claims experience.
• Claims should be reported as soon as reasonably possible, within 30 days of occurrence, and in no event later than one (1) year after the date of occurrence.
• Written proof of loss should be submitted as soon as reasonably possible, within 90 days of occurrence , and in no event later than one (1) year after the date of occurrence.
• Note: All eligible claims must be supported by receipts from commercial organizations and medical documentation regarding your treatment. Other documentation may be required and/or requested by Allianz Global Assistance. Any expenses for documentation or required reports are your responsibility. Incomplete information when submitting your claim will cause delay.

Claim procedure

• In a serious medical emergency, get to a hospital and have someone call on your behalf within 24 hours of admission. Otherwise, you will have to pay 20% of the medical expenses we would normally pay under this insurance.
• After receiving call, the Assistance Centre will verify and explain your coverage to you; refer you to a medical provider; arrange to have your covered expenses billed directly to us where possible; and monitor your medical condition.
• Please mail all original receipts, bills and invoices to:
• Manulife Financial Travel Insurance c/o Active Care Management
• P.O. Box 1237, Stn. A, Windsor, ON N9A 6P8
• Your claim must be sent to us within 90 days of your loss. Ensure you keep a copy of your receipts, bills and invoices for your records.
• Claims can also be submitted online for faster and easier submission process.

Claim procedure

• The fastest way to claim eligible medical expenses for which you have paid out-of-pocket is to submit your receipts through the secure Zurich Assistance claims portal at: www.globalexcel.com/zurichcanada
• If you are unable to submit your claims online you can reach out Zurich Assistance to get claim forms and submit claim on the following address:
• Zurich Canada Travel Insurance c/o Global Excel Management Inc.
• 73 Queen Street Sherbrooke (Quebec), Canada, J1M 0C9
• Email: assistance@globalexcel.com

Claim procedure

• Pacific Blue Cross
  Travel Claims
  PO Box 7000Vancouver, BC V6B 4E1Administration and
• Administration and travel extensions
  Pacific Blue Cross
  Travel Claims
  PO Box 7000Vancouver, BC V6B 4E1Administration and
• Phone: 604 419-2200 (8 a.m. - 4:30 p.m. PST, Monday to Friday)
• Outside the Lower Mainland within British Columbia call toll-free 1 800 USE-BLUE
• E-mail: inhealth@pac.bluecross.ca15NOTES

Claim procedure

• The insured person may designate a beneficiary for the Repatriation of Remains and Accidental Death & Dismemberment benefits to receive the amount payable for their death. In the absence of such designation, the beneficiary shall be the estate of the insured person. All other benefits are payable to the insured person.
• The insured person is responsible for providing all the documents outlined below and for any charges levied for these documents. To file a claim, the insured person must submit: 1.a fully completed Claim Form (provided by MSH Assistance upon notification of claim); 2. all original itemized bills from the medical provider(s) stating the patient’s name, diagnosis,
• all dates and type of treatment, and the name of the medical facility and/or physician;
• a copy of your airfare ticket and passport confirming travel dates and entry into Canada. For side trips, proof of both departure from and return to Canada. The type of proof depends on whether you travelled via airline or car (for example, copies of airline tickets, itinerary, boarding passes, gas receipts, hotel receipts, meal receipts, toll highway receipts, original duty-free shop receipts);
• written proof of claim within 90 days of the date of receipt of services covered under this policy;
• additional information pertinent to the insured person’s claim, as may be required by MSH Assistance after receipt of the claim;
• the unused portion of the insured person’s air ticket to MSH Assistance, if the Emergency Transportation benefit is used.

These reports will include:

• a.the attending physician’s medical records and report if you visited a doctor; b.the Emergency room report if you visited a hospital; c.the hospital medical records if you were hospitalized; d.original invoices or receipts for any payments made; e.all other documents and records that are requested by the claim’s adjudicator which mayinclude historical medical records from your family physician in your home country.
• If the claims adjudicator requires additional information about your past medical history please provide the answers as soon as possible. The claims adjudicator may require a copy of your medical records from your family physician in your home country.
• The claims adjudicator will require the original invoices that you paid or the original invoice sent to you by the medical provider. You will have to attach the invoices to the claim form and send it by regular mail.
• In some cases, if you are directed by the claim’s adjudicator to do so, you may email the invoices and claim form to claims@tridentassistance.com.
• Once all the questions have been answered and all the required information has been provided you should expect that your claim will be settled within 60 days. The time required to obtain documents and records is the rate determining step.