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GuardMe Insurance 2016
- 2. Why Do I Need Comprehensive Emergency Health Insurance?
- 4. Major Illnesses / Accidents
- 8. What to Do Before You Leave… Access Resources such as: • DFAIT website • Canadian Embassy/Consulate in your destination country • Guard.me website
- 9. What to Do Before You Leave… • Research…
- 10. What to Do Before You Leave… • Make sure you’re protected…
- 11. Overview of Sources of Out of Country Health Insurance • Provincial Healthcare Insurance • Private Group Employee Benefits Plan • Individual Out-of-Country Insurance • Traditional Travel Insurance Programs • Education-related Insurance Programs
- 12. Provincial Healthcare - GHIP
- 13. Private Group Employee Health Insurance
- 15. guard.me: Education-related International Health Insurance
- 17. •Designed for the needs of the educational traveler
- 19. • No GHIP requirement
- 20. • Extend coverage outside Canada
- 22. • No War or Terrorism Exclusions
- 23. • Insured Security Evacuation
- 24. Worldwide Coverage • (Everywhere, except in your home country)
- 25. Plan Highlights - Medical
- 26. Your guard.me Plan No deductibles, no co-payment • We pay 100% of eligible charges
- 27. Covered for 100% of Eligible Charges
- 28. Your guard.me Plan New, emergent conditions • 100% of eligible hospital fees, X-rays, lab testing, doctor/clinic fees, prescriptions…and many more benefits
- 29. Covered for 100% of Eligible Charges
- 30. Paramedical Covered for 100% of Eligible Charges Up to $500 per paramedical provider
- 31. Dental Accident and Emergency Up to $4,000 Up to $600
- 32. Plan Highlights – Non-medical
- 35. Security Evacuation - Insured
- 36. Worst-case scenarios… • AD&D to $50,000 Common carrier to $100,000 • Burial in host country to $5,000 • Repatriation of remains to $15,000
- 37. How to Claim? 1. Claims less than $2,500 can be conveniently submitted online at www.guard.me/aei 2. Claims over $2,500 should be mailed
- 45. How to Purchase Your Coverage
- 46. How to Purchase Coverage
- 47. How to Purchase Insurance
- 49. •
- 52. Welcome Letter
- 53. Visa Letter
- 54. Contact Us… - 24 Hour Emergency Line: 905-667-0587 (call collect) OR - Call the numbers on the back of your card OR Email: bob@guard.me Website: www.guard.me
- 55. What Questions Do You Have?
- 56. Quiz Time! • What is the family transportation benefit? (The most COMPLETE answer wins) • Which companies in Canada offer Security Evacuation as an insured benefit? • What are the two ways payments are made by guard.me? • Give three examples of non-medical benefits covered by guard.me
- 57. Thank you for listening… Enjoy your travels!
Editor's Notes
- In Canada, even someone doesn’t have money or proof of insurance, you cannot be turned away from a hospital if you require medically necessary treatment. Not so in other countries…foreign hospitals and clinics have been known to refuse treatment to patients who lack adequate insurance or the financial resources to pay their bills. A single accident or major illness could result in years of debt for you or your family if you aren’t carrying adequate insurance in your travels abroad.
- – Medical reasons aside, we live in an uncertain world, with Military Conflicts, Terrorism and Political Unrest that is not always easy to predict///
- DFAIT- Travel advisories, key travel information Embassy/Consulate: In emergencies Provide you with a list of local doctors and hospitals; assistance with missing persons; contact info on local police for victims of robbery, sexual assault or other violence. Provide assistance in cases of missing persons or the abduction of a child to another country. When legal issues arise Provide you with a list of local lawyers; info about laws and regulations; ensure fair treatment under a country’s laws if arrested; notarize documents. Provide you with sources of information about local laws and regulations. Guard.me/Europ Assistance – Up-to-the-minute country-specific trip briefs; I’ll go over the features of this site a little later on…
- Educate yourself on your Destination – Laws, Customs, Health Dangers, Communications
- Make sure you’re protected by comprehensive emergency healthcare and security coverage
- Provincial healthcare insurance – covers only up to $400/day, leaving a great deal of room for out-of-pocket expenses and potential debt; Private Group employees benefits plans – usually are co-payment plans or have deductibles, meaning that you are expected to share expenses with the insurance company. They may also have lower limits and require that you have some sort of provincial health insurance plan in place in order to be eligible. Now this isn’t usually an issue for most Canadians, but the implication is that if you are sick or injured, the aim is often to bring you home to have your provincial health insurance plan cover the costs of, say, mending a broken arm; Traditional travel insurance generally has the same GHIP requirements as group plans;
- Very limited coverage – up to a maximum of $400/day for inpatient treatment; much less for outpatient A single accident could put you in debt for years
- -Time-restricted coverage; e.g. only covers for emergency services needed within 90 days of departure -Limited coverage -GHIP requirement means that in the event of a major illness or accident (even for something like a broken limb) you could be sent home to let your GHIP plan take care of the ongoing costs
- -Usually intended for shorter duration trips; therefore can be very expensive -Can also be limited in coverage -GHIP requirement means that in the event of a major illness you’ll be sent home
- Fast and Efficient Claims Payment System Comprehensive Coverage No Terrorist or War exclusions Worldwide coverage from time of departure INSURED Security Evacuation – only one in Canada offering this feature
- No GHIP-requirements or restrictions In the event of accident or illness, our goal is to help you complete your contract, not to send you home to let your provincial healthcare plan take care of the expense
- No requirement to have GHIP No GHIP-related restrictions
- You can extend coverage up to 365 days at a time for as many times as you like You can apply for coverage outside of Canada
- Comprehensive emergency healthcare coverage to protect you against major financial losses due to illness Coverage for everything from minor to major illnesses, acute and long-term illnesses, accidents and (knock on wood) death Insured security evacuation
- If the region that you’re in suddenly experiences political upheaval, military action or natural disaster, you’re still covered…and in fact (next slide)…
- …if the region that you’re in becomes unstable/dangerous, you will be evacuated to an area of relative safety until the danger passes or moved to another area if the risk spreads. The situation will be reassessed regularly to ensure your safety and relative comfort.
- We have no deductible, no copayment; you are covered for 100% of expenses, up to $2,000,000, for eligible conditions
- Family Transportation for 2 members to $5,000 for air to $1,500 for subsistence Medical Air Evacuation 100% to nearest hospital or return to home country hospital Security Evacuation Up to $100,000 AD&D $50,000 Common Carrier to $100,000 Burial in Host Country to $5,000 Repatriation of Deceased to $15,000
- Family Transportation for 2 members to $5,000 for air to $1,500 for subsistence
- Medical Air Evacuation 100% to nearest hospital or return to home country hospital
- Security Evacuation Up to $100,000
- If you want money wired to your country, we need your international account details on a form produced by the bank (scanned and uploaded)
- AAR – Skydiving, bungee jumping, cave exploring, mountaineering, rock or cliff climbing; off-road riding on snowmobile, motorcycle or other vehicle - need a valid licence for motorized vehicles if required by law