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Guard me
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- 2. Why Do INeed Comprehensive Emergency Health Insurance?
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- 4. Major Illnesses /Accidents
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- 8. What to DoBefore You Leave… Access Resources such as: • DFAIT website • Canadian Embassy/Consulate in your destination country • Guard.me website – login to access Europ Assistance Resources
- 9. What to DoBefore You Leave… • Research…
- 10. What to DoBefore You Leave… • Make sure you’re protected…
- 11. Overview of Sourcesof 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
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- 13. Private Group Employee HealthInsurance
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- 17. •Designed for theneeds of the educational traveler
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- 19. • No GHIPrequirement
- 20. • Extend coverageoutside Canada
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- 22. • No Waror Terrorism Exclusions
- 23. • Insured SecurityEvacuation
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- 25. • Speedy ClaimsProcessing
- 26. Plan Highlights -Medical
- 27. Covered for 100% ofEligible Charges
- 28. Covered for 100% ofEligible Charges
- 29. Paramedical Covered for 100%of Eligible Charges Up to $500 per paramedical provider
- 30. Dental Accident andEmergency Up to $4,000 Up to $600
- 31. Plan Highlights –Non-medical
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- 34. Security Evacuation -Insured
- 35. Worst-case scenarios… • AD&Dto $50,000 Common carrier to $100,000 • Burial in host country to $5,000 • Repatriation of remains to $15,000
- 36. How to Claim? 1.Claims less than $1000 can be conveniently submitted online at www.guard.me/aei 2. Claims over $1000 should be mailed
- 51. How to PurchaseYour Coverage
- 54. Contact Us… - 24Hour Emergency Line: 905-667-0587 (call collect) OR - Call the numbers on the back of your card OR Email: info@guard.me OR Website: www.guard.me
- 55. What Questions DoYou Have?
- 56. Quiz Time! • Whatis 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… Enjoyyour travels!
Editor's Notes
- #5 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 anyone who is not prepared.
- #6 – Military Conflicts, Terrorism and Political Unrest
- #9 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…
- #10 Educate yourself on your Destination – Laws, Customs, Health Dangers, Communications
- #11 Make sure you’re protected by comprehensive emergency healthcare and security coverage
- #13 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
- #14 -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
- #15 -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
- #17 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
- #19 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
- #20 No requirement to have GHIP No GHIP-related restrictions
- #21 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
- #22 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
- #23 If the region that you’re in suddenly experiences political upheaval, military action or natural disaster, you’re still covered
- #24 In fact, 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.
- #25 Your insurance policy is valid anywhere you are in the world (except for your home country); however you are not covered if you knowingly head into a war zone, for example, which DFAIT has deemed at the highest risk level
- #27 We have no deductible, no copayment; you are covered for 100% of expenses, up to $2,000,000, for eligible conditions
- #32 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
- #33 Family Transportation for 2 members to $5,000 for air to $1,500 for subsistence
- #34 Medical Air Evacuation 100% to nearest hospital or return to home country hospital
- #35 Security Evacuation Up to $100,000
- #39 Now, I split this up into three parts, but it’s actually one continuous form that is simple to fill out and about one A4 page in length -The first part is your personal information – most will be input already, but any required fields are asterisked
- #40 Good idea to scan a void cheque OR banking information slip BEFORE you leave
- #54 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