TRAVEL INSURANCE FOR CANADA

WHY BUY WITH ZOOM

• Am I covered medically while holidaying in Canada?

• Yes, all our policies cover for medical coverage. Zoom provides cover for your overseas medical expenses including hospital stays, surgery, doctor visits, emergency evacuation and repatriation home if required. We can provide written guarantees of payment of reasonable expenses directly with your hospital in emergency situations. Phew!

• What happens if I need medical assistance?

• Have complete peace of mind on your Canada holiday. Zoom provides immediate support through our emergency assistance provider. Help is just a phone call away any time of day 365 days a year. This includes access to medical advisors, medical transfers and emergency evacuation if required. We also assist with passing on messages to family and returning unsupervised dependants back to Australia.

• How do alcohol and drugs affect my cover?

•  When it comes to alcohol we advise you to drink in moderation. One too many Budweisers could see you jeopardizing your cover. Please note that we may exclude any claims where excessive drugs or alcohol have been involved.

• Am I covered for adventure activities throughout all of Canada?

• Check out our Adventure Pack to find out what we cover when it comes to adventure sports. 

• Am I covered for skiing in Canada?

• If you are taking part in any kind of winter sports activity, you must purchase our ski and snow sports pack in the payment process to be covered.

• Am I covered for helicopter evacuation off the slopes?

• Yes, if you have a serious accident on the slopes, we will pay for helicopter evacuation to get you to the nearest hospital.

• Am I covered for the whole season?

• No, you are only insured to ski in ski season: this would be December 1 and April 15 for travel to the Northern Hemisphere, or between 15 June and 30 September for travel to the Southern Hemisphere.

• What do I get when I purchase the ski add-on?

• In order to be covered for winter sports including skiing, snowboarding, tobogganing or tubing (on groomed ski slopes) you must purchase our ski and snow sports pack. This pack cover provides cover for overseas emergency medical and hospital expenses,  cover for piste closure, bad weather & avalanche, and for loss or damage to your own snow sport equipment. You will also be covered for the value of any unused ski pass, ski hire or tuition fees following the loss or theft of your ski pass, or you being unable to ski following accident or illness.

• Am I covered for pick pocketing in Canada

• Yes, you’re covered for muggings provided of course, you were acting with reasonable care (i.e. did not leave your belongings unattended). If you’re the victim of a pickpocket, you’d be covered for loss, theft and damage to your luggage and personal effects. If you are robbed it’s important that you get a police report and contact us as soon as possible.

• Am I covered for cruises automatically?

• No, not automatically. You must purchase our cruise pack in order to be covered for any medical treatment you receive on board and for helicopter evacuation should you require emergency medical assistance.

COMPARE CANADA TRAVEL INSURANCE

COMPARE PLANS (Benefits are per adult) Expand to see benefits & limits in detail	Medical Only	Standard	Comprehensive
Emergency	included	included	included
24/7 Emergency Assistance Service	included	included	included
24 Hour emergency medical assistance services, access to trained medical advisers, medical evacuation, hospital expense guarantees, ambulance fees, messages to family, and funeral arrangements.
Medical	unlimited	unlimited	unlimited
Overseas Emergency Medical & Hospital ExpensesSO	unlimited	unlimited	unlimited
Provides cover for unexpected overseas medical and hospital expenses incurred if you are injured or become sick overseas.
Dental ExpensesO	$1,000	$1,000	$1,000
Cover for unexpected dental treatment required overseas for the relief of sudden and acute pain to sound and natural teeth.
Repatriation Of RemainsO	$25,000	$25,000	$25,000
Cover for a funeral or cremation overseas, or repatriation of your remains back to Australia.
Hospital Cash AllowanceSO		$2,500	$5,000
An allowance of $50 per day if you are hospitalised for more than 48 continuous hours whilst overseas.
Permanent DisabilityO			$25,000
A lump sum benefit if you suffer a total permanent disability as result of an accidental injury during your trip (no excess applies).
Loss of IncomeSO			$10,400
Weekly payment you received if you become disabled within 30 days of an injury you sustained during your journey, and you are unable to work in your usual occupation for more than 30 days after returning to Australia. (no excess applies)
Luggage & Personal Items		$5,000	$10,000
Travel Documents & Transaction CardsO		$2,000	$5,000
Reimburses you for the cost of lost or stolen travel documents including passports and credit cards. This includes costs incurred due to fraudulent activity on your credit card not already covered by the financial institution.
Luggage & Personal EffectsAS		$5,000	$10,000
Cover for your own personal effects that are lost, stolen or accidentally damaged during your journey. This includes items such as cameras, laptops, tablets and mobile phones.
Theft of CashPO			$250
Reimburses you for cash, bank notes, currency notes, or money orders stolen whilst on your person during your journey.
Luggage & Personal Effects Delay ExpensesASO			$500
Cover to purchase essential clothing and personal items if your luggage and personal effects have been delayed, misdirected or misplaced by your carrier for more than 12 hours.<br/> <br/> $250 if your luggage is delayed for less than 7 days. $500 if your luggage is delayed for more than a week. (no excess applies)<br/>
Cancellation & Delay		chosen limit	chosen limit
Pre-Departure Cancellation Fees & Lost DepositsPS		chosen limit	chosen limit
Cover for cancellation fees and lost deposits for pre-paid travel arrangements if you cannot travel due to unexpected events which are outside your control, such as sickness, injuries, strikes and natural disasters.
Pre-Departure Amendments to JourneyA			$2,000
Cover for additional travel expenses that you incur and cannot recover when you need to amend your journey due to illness or injury, hospitalisation of a relative, or your scheduled or connecting transport is cancelled or delayed due to weather, strikes, riots, or a natural disaster.
On-trip Disruption		chosen limit	chosen limit
On-trip Cancellation Fees & Lost DepositsPS		chosen limit	chosen limit
Cover for your pre-paid travel arrangements if your trip is cancelled or cut short due to one of the unexpected events covered by the policy, such as illness, accidents and extreme weather.
Additional Accommodation & Travel Expenses — Family Emergency — Emergency Companion CoverAS		$10,000	$25,000
Reimburses you for your additional accommodation and travel expenses if your trip is disrupted by an event covered by the policy. For example, injury or illness, lost passport, or your scheduled or connecting transport is cancelled or delayed due to extreme weather, strikes, riots, or a natural disaster.<br> <br> There is no provision to claim Family Emergency for relatives living outside of Australia or relatives aged 85 or over. (no excess applies)
Travel Delay ExpensesS			$2,000
Cover for reasonable meal and accommodation expenses if your journey is disrupted for more than 6 hours due to circumstances beyond your control. (no excess applies)
Special Event Transport ExpensesO			$2,000
Reimburses you for additional travel expenses to reach a special event (wedding, funeral, prepaid conference, concert, music festival, sporting event, or a tour lasting more than two consecutive nights) on time.
Other	$2,500,000	$2,500,000	$5 million
Personal LiabilityP	$2,500,000	$2,500,000	$5 million
Protection for you being legally liable for unintentionally injuring other people or causing damage to their property, including legal defence costs (with our prior consent).

VISAS FOR CANADA