Destination Leisure Travel Insurance

Destination Leisure Travel Insurance is designed for Canadians travelling outside their home province or territory, worldwide. Plans are underwritten by Zurich Insurance Company Ltd (Canadian Branch), with emergency assistance and claims administration provided by Zurich Assistance, available 24/7. Emergency medical coverage of up to $5,000,000 per person per trip is available, with pre-existing condition coverage for conditions that were stable before the effective date. A 10-day free-look period applies.

Emergency Medical Benefits

The following benefits are covered up to the $5,000,000 maximum per person per trip:

• Emergency hospital accommodation (semi-private room)
• Physician, surgeon, and anaesthetist services
• Lab tests and X-rays (ordered by physician at time of emergency)
• Private duty registered nurse — up to $5,000
• Physiotherapist, chiropractor, osteopath, chiropodist, podiatrist — up to $350 per practitioner
• Licensed land, air, or sea ambulance (incl. mountain and sea evacuation)
• Rental of crutches, hospital beds, splints, braces, prosthetics
• Emergency outpatient hospital services
• Prescription drugs — 30-day supply, up to $1,000
• Accidental dental injury — up to $3,000
• Emergency dental pain relief — up to $500
• Meals & accommodation when hospitalized on return date — up to $150/day, $1,500 max
• Hospital allowance for out-of-pocket expenses — up to $50/day, $250 max
• Attendant for accompanying dependents under 18 — up to $50/day, $500 max
• Emergency transportation to home province (air ambulance or economy airfare)
• Search and rescue — up to $5,000
• Emergency return home — up to $3,000 (includes one insured family member)
• Bedside companion — round-trip economy airfare + up to $150/day, $1,500 max
• Return of dependent children or grandchildren (economy airfare + caregiver if needed)
• Return of vehicle — up to $2,500
• Return to original trip destination — up to $5,000 (when pre-approved)
• Pet return — up to $300
• Return of deceased — up to $5,000 repatriation or $2,000 cremation/burial

Eligibility

Part 1 — Applies to all applicants. As of the effective date, you must:

• Be at least 15 days old and under 80 years of age; and
• Be covered by a Canadian provincial or territorial Government Health Insurance Plan (GHIP) for the entire duration of your trip; and
• Not be travelling against the advice of a physician.

Coverage is not available if you have been diagnosed with a terminal illness, pancreatic/liver/bone/metastatic cancer, have used home oxygen in the past 12 months, have had a major organ or bone marrow transplant, have received kidney dialysis in the past 12 months, or have an unrepaired aneurysm of 4 cm or more.

Pre-existing Conditions & Stability

Pre-existing conditions are covered if they were stable during the required period before the effective date or departure date. A condition is stable if it required no new diagnosis, no new or changed treatment or medication, no hospitalization or surgery, and no specialist referral during the stability period.

Key Exclusions

• Pre-existing conditions not meeting the stability period
• Alzheimer's disease or dementia
• Minor mental or emotional disorders (anxiety, panic attacks, unless treated only with minor medication)
• Self-inflicted injuries (unless related to a mental health illness)
• Travel for the purpose of obtaining medical treatment
• Non-emergency, elective, experimental, or cosmetic treatment
• Follow-up or continuation of emergency treatment (unless pre-approved by Zurich Assistance)
• Treatment that can be reasonably delayed until return home
• Routine check-ups, chronic condition management, home health care, rehabilitation
• Alcohol abuse, prohibited drugs, non-compliance with prescribed treatment
• War, terrorism, kidnapping, riot, civil commotion, armed forces activities
• Criminal offence or illegal acts
• Speed contests, motorsport, stunts, professional sport
• Heliskiing, ski jumping, hang-gliding, parachuting, bungee jumping, skydiving
• Scuba diving (unless certified by NAUI/PADI and not exceeding 30 m depth)
• White water sports (grade 5 or higher)
• Street luge or skeleton activities

Claims & Emergency Assistance

Contact Zurich Assistance before seeking treatment. In a serious emergency, get to hospital immediately and have someone call within 24 hours of admission and before any surgery. Failure to contact without reasonable cause may reduce the benefits payable.

Submit a completed claim form with all original bills and receipts to Zurich Assistance. Contact Destination: Travel Group Inc. at 1-855-337-3532 for policy changes or extensions.

Frequently Asked Questions

What is the maximum emergency medical coverage?

Up to $5,000,000 CAD per person per trip, covering hospital, physician, diagnostics, ambulance, drugs (30-day supply up to $1,000), and private duty nursing (up to $5,000).

Who is eligible?

Canadians aged 15 days to 79, covered under a provincial GHIP for the duration of the trip, and not travelling against physician advice. Travellers aged 60–79 on longer trips face additional cardiac, pulmonary, cancer, stroke, and diabetes restrictions.

Are pre-existing conditions covered?

Yes, if stable for 90 days (under 60) or 180 days (age 60–79) before the effective or departure date. Stability means no new treatment, medication change, hospitalization, surgery, or specialist referral during that period.

Are there additional restrictions for older travellers?

Yes. Travellers aged 60–74 on trips of 31–90 days, and 75–79 on any trip, must not have been treated for heart, lung, cancer (except basal/squamous cell skin cancer or any cancer treated only with hormone therapy), stroke/TIA, or diabetes (except diet-controlled) in the past 12 months.

What happens if I don't call before seeking treatment?

Benefits may be reduced. In a life-threatening emergency, get to hospital first and have someone call Zurich Assistance within 24 hours of admission and before any surgery.

Can I get a refund if I cancel?

You may cancel within 10 days of purchase for a full refund, provided coverage has not yet begun. Partial refunds may be available for early return if no claim has been submitted.