Effective October 3, 2016 this coverage will be provided through AZGA Service Canada Inc. (Allianz Global Assistance). Coverage will remain the same; all that has changed is the provider delivering the emergency travel assistance service. This is a high level overview of the Out of Province/Out of Country Travel Emergency coverage; for more details please call the Sun Life Customer Care Centre at 1.800.361-6212.
As a physician, you know the value of having the right protection when travelling – from anti-viral shots to stomach medication to sunscreen. But it's just as critical to protect your finances, especially considering the staggering costs of a medical emergency outside your home province or your home country. Emergency travel insurance makes a world of sense for both you and your loved ones. After all, travel is meant to enhance your lifestyle, not drain the funds you rely on to maintain it.
No line-ups and instant issue. Get your Medi-Passport card today.
A medical emergency while travelling can be unexpected and costly but with the emergency medical coverage under the Health and Health Plus benefit you're covered for:
An emergency means an acute illness or accidental injury that requires immediate, medically necessary treatment prescribed by a doctor. Emergency services are any reasonable medical services or supplies, including advice, treatment, medical procedures or surgery, required as a result of an emergency. If an insured person (you or your eligible dependents) has a chronic condition, emergency services do not include treatment provided as part of an established management program that existed before leaving your province of residence.
Your travel benefits and Medi-Passport are in effect only if you are covered by health benefits provided by OMA Insurance. Your spouse and children are also covered provided they are dependants under your health plan.
In the event of a medical emergency, contact Allianz Global Assistance:In Canada or the USA call toll free: 1.800.511.4610
Elsewhere in the world call collect:
Give Allianz Global Assistance the information on your travel card and describe the situation. Stay in touch with Allianz Global Assistance throughout the emergency, until they confirm that you no longer need to do so. Be sure to give them your hospital, hotel or another telephone number so they can stay in touch.
Your travel benefit covers you for emergency medical services, including:
Your Dependent Student Studying outside of Canada Under OMA Health benefits, your dependent children who are studying at an accredited learning institution outside of Canada are covered for emergency medical coverage for 12 months. Insured members must provide Sun Life with details of the dependent's study plans (e.g. place, duration, copy of the offer letter). Sun Life will then review these details, whether the student is approved or declined an Explanation of Benefits statement will be sent.. The extension terminates once the student returns to Ontario and Sun Life would need to be advised by the member again for the following year as extensions are reassessed on an annual basis. You may submit the required information by fax (416.340.2998) or email to
Sun Life Financial will not pay any benefit or accept any liability for claims relating to services that are not immediately required or which could reasonably be delayed until you return to the province where you live, unless your medical condition reasonably prevents you from returning to that province prior to receiving the medical services.1
Allianz Global Assistance reserves the right to suspend, curtail or limit its services in any area, without prior notice, because of:
1 If you are uncertain about your coverage please contact the Sun Life prior to travel. For a complete list of Exclusions &Limitations including Liability payment please visit mysunlife.ca or review your Certificate.
When you contact Allianz Global Assistance before seeking emergency help, normally Allianz Global Assistance verifies your coverage and arranges for the service provider (e.g., a hospital) to bill them directly. Allianz Global Assistance is also able to guarantee payment or advance money directly to a service provider. Sun Life Assurance Company of Canada will then reimburse Allianz Global Assistance for the eligible amount. Sun Life Assurance Company of Canada and Allianz Global Assistance also liaise with most provincial health plans and coordinate benefits with any other insurers involved.
You will also be asked to sign an authorization form allowing the insurers to recover any amounts payable by your provincial health plan.
If, after obtaining confirmation from Allianz Global Assistance that you are covered and a medical emergency exists, you will be reimbursed for services and supplies that you paid for and that are covered by this plan. In this situation, you should do the following:
Sun Life Assurance Company of CanadaPO Box 11658 Stn CVMontreal QC H3C 6C1
Sun Life Assurance Company of Canada
PO Box 11658 Stn CV
Montreal QC H3C 6C1
Sun Life Assurance Company of CanadaPO Box 2010 Stn WaterlooWaterloo ON N2J 0A6
PO Box 2010 Stn Waterloo
Waterloo ON N2J 0A6
When Allianz Global Assistance advances money to service providers, there are some situations when it will be necessary for you to reimburse the insurer for any amounts that:
In order for a claim to be processed for Out of Province/Out of Country expenses the following is required: