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OPIP - Security Evacuation Coverage

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Security Evacuation Coverage

​Whether you're travelling for business, pleasure or humanitarian reasons, OMA’s enhanced OPIP coverage can help make your trip worry-free. 

Global Security Evacuation Coverage (SEC) assists you and your family while travelling outside of Canada, for either business or leisure travel, with evacuation to the nearest place of safety in the event of a hostile or dangerous situation. 

SEC, provided by Drum Cussac through Chubb Life Insurance, will also pay expenses for such evacuation up to a maximum of $100,000 per trip outside of Canada. Drum Cussac will make maximum use of scheduled airlines and may use other available resources to accomplish the evacuation including private aircraft, ground and/or sea transportation, in which event the point of departure may vary.

The plan also includes trip cancellation and trip delay coverage, payments for lost baggage or passports and for loss of personal property when travelling both within Canada and outside of Canada.

Before you leave, simply register your itinerary with the Overwatch program and get additional peace of mind that if a travel alert is issued, you will be notified. This state-of the-art services allows you to check the situation before, during and after your trip and be monitored and supported anywhere in the world at any moment, with over 200 languages spoken at the 24/7 crisis response centre.

The Overwatch Protection App lets you register your itinerary​, which then gives you access to travel alerts, immediate access to the crisis response centre and an SOS alert button for emergencies. For physicians travelling to high risk destinations, the plan also offers ongoing monitoring and frequent contact during the trip. 

Security Evacuation Accidental Death & D​​ismemberment

The principal sum amount of this coverage is $10,000. This benefit provides coverage for all active members under the age of 80, for losses experienced while travelling outside Canada. 

Summary of Benefits​​​​​

Enhanced loss schedule

Loss and loss of use benefits, including two times the principal sum for paralysis.

Repatriation

To return insured members body when injury results in death 150km or more from home. This benefit covers up to $15,000.

Rehabilitation

Special training for an insured when their injuries result in a need to change occupations. Occupation, for this policy is defined as “own occupation” which means the occupation held at the time of the accident. This benefit covers up to $15,000.

Family transportation

To bring a family member to the insured when confined in hospital 150km or more from home. This benefit covers up to $15,000.

Spousal occupational training

For a spouse to gain active employment when injury results in death of an insured. This benefit covers up to $15,000.

Home alteration & vehicle modification

Making necessary modifications to an insured’s home and vehicle when an accident results in paralysis. This benefit covers 10% of the principal sum to a combined maximum of $50,000.

Seat belt benefit

Increases the principal sum amount if an insured member is wearing a seat belt when an accident occurs. This benefit covers 10% to a combined maximum of $25,000.

Day care benefit

Helping to pay for day care costs for the young children left behind when an accident results in the death of an insured. This benefit covers 5% of the principal sum to a maximum of $5,000 per year for 4 years.

Special education benefit

Helping to pay post-secondary school costs for children when an accident results in the death of an insured. This benefit covers 5% of the principal sum to a maximum of $5,000 per year for 4 years.

In-Hospital confinement monthly income

Providing a benefit amount to help an insured with unforeseen expenses when an accident results in hospital confinement.

Identification benefit

Travel costs associated when a family member is required to identify an insured’s body when an accident results in death more than 150 km from home. This benefit covers up to $15,000.

Bereavement benefit

Upon the death of the covered insured the bereavement benefit pays for grief counselling for the members of the insured’s immediate family (spouse and children). This benefit covers up to a combined maximum of $1,000.

​​Other Benefits​

​The following benefits are also covered for those inconveniences that can occur while travelling and apply to any travel outside or within Canada: ​​

Trip cancellation benefit

The insurer will reimburse the amount of non-refundable covered expenses, up to $1,000 if you are prevented from taking a trip or if the trip is interrupted as the result of injury, sickness or death.

An injury or sickness must be so disabling, as determined by an independent physician, as to reasonably cause the trip to be cancelled. An independent physician, for the purposes of this policy, cannot be the insured or a member of their immediate family. If you must cancel the trip due to injury or sickness of an immediate family member, it must be because his or her condition is life-threatening, or because he or she requires your care. Cancellation due to the death of an immediate family member is covered only if the death occurs 30 days prior to the trip departure date.

The following are considered covered expenses for the trip cancellation benefit:
  1. any cancellation charges imposed by a travel agency, tour operator, or other recognized travel supplier for the covered trip;
  2. any prepaid, unused, non-refundable airfare and sea or land accommodations; and
  3. any other reasonable, additional trip expenses for travel, lodging, or scheduled events that are prepaid, unused, and non-refundable.
Any claim for covered expenses that have been incurred must be accompanied by receipts.

Trip interruption benefit

The insurer will reimburse you for the cost of a one way economy air and/or ground transportation ticket, up to the benefit maximum ($1,000), if your trip is interrupted as the result of:
  1. the death of a family member; or
  2. the unforeseen injury or sickness of you or an immediate family member. The injury or sickness must be so disabling, as determined by a physician, as to reasonably cause a trip to be interrupted; or
  3. substantial destruction of your principal residence by fire or weather related activity.
Any claim for covered expenses that have been incurred must be accompanied by receipts. This benefit is payable only for one interruption of your trip.

Trip delay benefit

You will be reimbursed the amount of covered expenses, up to the benefit maximum ($1,000) if your trip is delayed for more than 12 hours. The trip delay must have been caused by one of the following reasons:
  1. Injury, sickness or death to either you, an immediate family member or your traveling companion that occurs during the trip;
  2. Common carrier delay;
  3. the loss of your and/or your traveling companion's travel documents, tickets or money due to theft;
  4. Quarantine;
  5. Natural disaster;
  6. If you are delayed by a traffic accident (involved in or delayed by) while en route to a departure;
  7. Hijacking;
  8. Unpublished or unannounced strike;
  9. Civil disorder or commotion;
  10. Riot;
  11. Inclement weather which prohibits your plane’s departure;
  12. Common carrier strike or other job action; or
  13. Equipment failure of a common carrier.
The following are considered covered expenses for the Trip Delay Benefit:
  1. charges incurred for reasonable, additional accommodations; and
  2. travelling expenses, until travel becomes possible. This includes any travel expense incurred as a result of the delay, including accommodations, rental car, and meals.

Any claim for covered expenses that have been incurred must be accompanied by receipts. This benefit is payable only for one delay of your trip.

You must provide the insurance company with proof of the delay such as a letter from the airline, cruise line or tour operator, newspaper clipping (online or print), weather report, police report or the like, and proof of the expenses claimed as a result of the delay.

Lost baggage benefit

You will be reimbursed the replacement costs of clothes and personal hygiene items, up to the benefit maximum ($1,000) if, during a trip, your luggage is checked onto a common carrier, and is then lost, stolen or damaged. Replacement costs are calculated on the basis of the depreciated standard for the specific personal item claimed and its average usable period.

You must file a formal claim with the airline and provide ACE INA Insurance with copies of all claim forms and any proof of reimbursement by the common carrier for the lost, stolen or damaged luggage.

Benefits for lost baggage will be in excess of any amount paid by the carrier responsible for the loss and subject to the benefit maximum shown.

Personal property benefit

The Company will reimburse you the reasonable cost, up to the benefit maximum ($1,000) for replacement of any personal property that is lost or totally destroyed while on your trip. Replacement costs are calculated on the basis of the depreciated standard for the specific item claimed and its average usable period. You must demonstrate that you have taken reasonable precautions for the safety and security of your property. The insurer requires certification by a police or security authority in an incident report.

For any claims under this benefit, the insurance company is entitled to make reasonable repairs or salvage efforts to restore the personal property or to keep the damaged property if the company chooses to do so. The insurance company will require valid receipts of replacement goods prior to payment of any benefits.

Benefits for lost personal property will be in excess of any amount paid by the carrier responsible for the loss and subject to the benefit maximum shown.

Lost/stolen passport benefit

If after departure of a trip or within 14 days prior to the proposed departure of a trip, your passport and/or visa is lost or stolen, the insurer will reimburse you, up to the benefit maximum ($500), for the fees charged by the appropriate Consular passport and/or visa office and the necessary additional cost of travel and accommodation incurred to enable you to obtain any official or temporary travel documents or replacement passport and/or visa.

It is a condition precedent to liability that you notify the consular representative as soon as reasonably possible after the loss or theft.

Seat bumping benefit

In the event that you are unable to join a pre-booked scheduled flight as a consequence of that flight being overbooked by the carrier, the insurance company will pay you up to the benefit maximum ($400).

The benefit will not be paid if:
  1. A minimum of $400 compensation per person is paid by the carrier; however, if the carrier pays compensation of less than $400 per person, then the insurer will pay the difference up to $400 per person;
  2. The flight is not a pre-booked scheduled flight; or
  3. The insured person volunteers to relinquish his or her seat.
Benefits payable under this section will be limited to only one policy in the event the benefits are contained in two or more policies issued by Chubb Life Insurance.


Exclusio​ns​

With respect to air travel, the insurance afforded shall apply to loss caused by or resulting from travel or flight in any aircraft, or any other device for aerial navigation, including boarding or alighting therefrom, except:

  1. while being used for any test or experimental purpose; or
  2. while the insured member is operating, learning to operate or serving as an insured member of the crew thereof (this exclusion does not apply for a physician travelling as a passenger); or
  3. while being operated by or for or under the direction of any military authority, other than transport type aircraft operated by the Canadian Armed Forces Air Transport Command or the similar air transport service of any other country; or
  4. any such aircraft or device which is owned or leased by or on behalf of the policyholder or any subsidiary or affiliate of such policyholder, or by an insured member or any insured member of his/her household; or
  5. while being used for firefighting, pipeline inspection, power line inspection, aerial photography or exploration.​

Claims​

To ensure coverage you must register with Overwatch prior to leaving on your trip.

In order to make a claim, please can contact Chubb Life Insurance claims department at 1.877.772.7797 and they will send the necessary claim forms.

Chubb Life Insurance will pay up to $100,000 per insured member per trip outside of Canada for any security related incident which happens during travel, subject to one million dollar maximum per event where there are multiple insured members.​​​