Medi Pac Guide

2017-2018 MEDIPAC
Travel Insurance Guide
Save up to 18% Details on Page 9

Great Reasons to Buy
Easy Payment Option
Spread your premium over two easy, automatic payments directly from
your bank account. Pay 50% of your premium when you apply and 50%
one month later. Only available with cheque payments for trips of more
than 41 days.
Short Term Travel

Hopping across the border for a little shopping or
taking a 10-day cruise? Do not take a chance by
travelling without Medipac insurance! Check out
our Short Term Rates beginning on page 43.
New Client Incentives

Join the tens of thousands of seasoned travellers
who choose Medipac every year. First time clients
can earn up to 5% as a Claim-Free Discount.
See page 9 for details.
Medipac Rewards
Earn discounts for your loyalty and claim-free status – up to 18%.
Loyal clients can earn up to 8% with our Loyalty Credit, and up to
another 10% if they remain claim free, with our Claim-Free Discount.
See page 9 for details.
Worldwide Emergency Assistance

Medipac’s trained medical professionals are only a phone call away,
24 hours a day, seven days a week. Medipac Assist is your lifeline to
information, service and advice when travelling in a foreign country.
Read what our satisfied clients say about Medipac on page 15.
Medipac and Canadian Snowbird Association are Registered Trademarks

the Medipac Program! ®
Medipac Annual Plans

Save time and money when you add our 23-day or our new 33-day
Annual Add-on to your single trip plan. Provides coverage for any trip,
up to 23 or 33 days. Also new this year, the Add-on covers travel within
Canada for up to 182 days. See page 12 for details.
Pre-Existing Condition Coverage

Most clients with stable and controlled medical
conditions can purchase Medipac and have
full coverage for ALL such conditions.
Read the enclosed policy for details,
beginning on page 28.
MedipacPLUS
Protect your Claim-Free Discount and more than
double your coverage for only $59. A must-have
option! MedipacPLUS also includes 6 additional
important benefits. See page 13 for details.
Superannuate Special
Retired civil servants, military personnel and retired RCMP officers
who participate in the Public Service Health Care Plan can receive a
premium credit and an upgraded 40-day annual plan at no extra cost.
Now with increased credits! See page 11 for details.
Endorsed by the CSA and the Royal Canadian Legion

Medipac has been chosen as the exclusive Travel
Insurance Partner of both the Canadian Snowbird
Association and the Royal Canadian Legion. We’re proud
to have earned their trust, and we hope to earn yours!
© Medipac International Inc. 2017

This is a special year! The Canadian Snowbird Association is celebrating its 25th anniversary and the dozens
of lobbying successes which they have achieved in order to enhance and protect our snowbird lifestyle.
To play our part in this celebration, Medipac has agreed to provide a rate freeze for insurance purchases; AND,
we have extended our $25 anniversary credit for the entire snowbird season. We have added a 33-day Annual
Add-On, at your request, included a small “disaster” benefit in MedipacPLUS and further reduced several rates.
The rate tables in this guide are the base rates for our comprehensive Medipac coverage and include the
reduction for the extended $25 anniversary credit. You will be pleasantly surprised to learn that you may be
eligible for substantial discounts on these base rates. You can qualify for Medipac’s Loyalty Credits, Claim-Free
Discounts and even some provincial discounts for residents of P.E.I., Nunavut, the N.W.T. and the Yukon.
This Travel Insurance Guide has been designed to help you make several important choices regarding your
coverage, and to provide you with a strong understanding of your benefits. A complete travel insurance policy is
found later in these pages, and we recommend that you read it thoroughly. We have also highlighted several of
our policy features, in easy-to-understand language, and have provided two pages of Travel Tips to assist you.
Medical insurance, by its very nature, has exclusions, conditions and other clauses that may limit your coverage
and it is important that you understand these before you travel. With the complexity of today’s insurance
policies, it is reassuring to know that the program which you have in your hands is recommended by Canada’s
largest group of long-term travellers, the Canadian Snowbird Association. Medipac’s program has also been
designated as the exclusive travel insurance provider for the Royal Canadian Legion.
Medipac has earned these coveted endorsements for many years. We have no age limits, we provide full
coverage for most stable medical conditions, and we automatically provide 24-hour access to our dedicated
nurses and doctors. They are your lifeline in the event of any emergency and they will help you navigate foreign
medical systems and protocols.
Medipac is more than just an insurance policy…much, much more.
I would like to personally thank all of our thousands of returning clients and, if this is your “first time,” we
welcome you to Medipac. Travel is up by more than 5% in 2017 and the dollar is getting stronger, so it is
shaping up to be a great travel season – enjoy!
Sincerely,
John Ross Quigley, CEO

P.S. Our Annual Add-On benefit now includes up to 6 months of free coverage while travelling in Canada and I
personally recommend it, as well as our strong MedipacPLUS option.
4 www.medipac.com
Table of Contents
Great Reasons to Buy. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2

Important Insurance Tips. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6
Medipac Benefits. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8
Discounts - Save With Medipac. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9
Existing Insurance? Reduce Your Cost. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10
Save with Federal Superannuate Credits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11
Annual Add-on. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12
MedipacPLUS. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 13
Individual Underwritten Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 14
Medipac Assist. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15
Preferred PLUS Rates. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 16
Preferred Rates . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 20
Standard Rates . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 24
Policy Text. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 28
Underwritten by Old Republic Insurance Company of Canada.
In Quebec underwritten by Reliable Life Insurance Company.
Period of coverage. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 29
What should I do in a medical emergency?. . . . . . . . . . . . . . . . . . . . . . . . . . . .29
The definitions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 30
The benefits. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 32
What is not covered
Pre-existing conditions. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 33
General exclusions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 34
General limitations. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 35
Change in departure date. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 36
Is there anything else I need to know?. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 36
What happens to my insurance coverage if I am hospitalized
and cannot return on my scheduled return date?. . . . . . . . . . . . . . . . . . . . . . . 38
How do I present my claim?. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 38
Policy extensions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 38
Refund policy. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 39
MedipacPLUS Endorsement. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 40
Notice on Privacy. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 42
Administration Fees. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 42
Short Term Rates. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 43
Trip Days – Quick Calculator. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 47
1-888-MEDIPAC (1-888-633-4722) 5
Important Insurance Tips
"Coverage for out-of-country health care services is limited;

-Ministry of Health
1.
Always read your Travel Insurance Policy (TIP) before making your purchase decision, and
ensure that you understand the coverages being offered, as well as the policy limitations
and exclusions.
At Medipac, we’re proud of our Travel Insurance Policy (TIP) and always include it in
our Guide so that clients have the opportunity to review it before buying. Do not buy
any plan without reading, and understanding, its policy first.
2.
Before you purchase a travel insurance plan, ask about the assistance services – most
assistance companies are disinterested third parties that route medical emergency calls
to call-centre clerks, rather than to medical professionals.
At Medipac Assist, medical professionals will answer your calls – much more
expensive, of course, but we take our responsibilities seriously! Minutes can save
lives.
3.
Every TIP has limitations and conditions. Ensure that you understand the pre-existing
condition clause of your TIP, and note that these conditions usually apply as of your
departure date, not when you purchased the policy. If you purchase an annual plan, these
conditions apply to the departure date of each and every trip.
Medipac’s 90-day stability period is one of the fairest and most liberal pre-existing
condition clauses* in the industry.
4.
The “definitions” section of some TIPs defines “treatment” as including “taking ANY
medication.” So if you ARE taking a medication, you will NOT meet the requirements
of their pre-existing clause and no coverage is provided for your condition, or anything
related to it. Stability really does not matter in these TIPs, so beware!
The Medipac policy covers most stable and controlled conditions*, including those for
which you take medication, provided they have been stable during the 90 days prior
to your effective date. Make sure you buy insurance that covers your medical
condition.
5.
Many TIPs have different deductible choices. Deductibles are a good way in which to
reduce your premium cost. However, only choose a deductible that you can afford.
Medipac offers deductibles from $0 to $10,000 USD, with substantial savings! See
the other sections of this Guide for details, but always choose a deductible that you
can afford.
*See Pre-Existing Conditions starting on policy page 5

6 www.medipac.com
Important Insurance Tips
you should purchase supplementary [travel medical] insurance..."

and Long-Term Care
6.
If you plan to take more than one trip during the upcoming year, consider purchasing an
annual plan, rather than applying for travel insurance before each trip. You can save time
and money.
Medipac’s Annual Add-ons are perfect for seasoned and regular travellers who plan
to travel more than once during the year, and the savings can be significant!
7.
If your upcoming birthday places you in the next-higher age band, your premium can
increase.
You can save money by departing earlier than planned, prior to your birthday. Even
if you purchase a longer trip, your premium may be lower because you are now in a
less costly age band.
8.
A dangerous practice is to refuse treatment or not change a drug, despite your doctor’s
recommendation, because you think that it may affect your insurance.
This does not work. If a doctor recommends a change in drugs and you do not
accept that change, the insurance company will treat this as an unstable pre-existing
condition. A claim will not be paid for that condition. Please, just do what your doctor
recommends and do not sacrifice your health for insurance reasons. Medipac
can often provide full coverage if you contact us and explain your situation. See page
14 for information on Individual Underwritten Insurance.
9.
Some travellers leave a few days earlier or return home a few days later than they
originally expected, without advising their insurance company. What they do not realize is
that statistically, the two highest incidences of claim are at the beginning and the end of
trips.
This means no insurance protection when it is needed the most. Many insurance
plans will void your insurance if such information is withheld. Call your insurance
company if you have a change of plans.
10.
Many TIPs require proof of departure and return. Purchases at “duty free” and using credit
cards on your last day at home and first day away are convenient ways of establishing a
record that can be retrieved later.
Medipac recommends using a passport for all of your travels, and asking that it be
stamped upon entering and leaving any country. That’s indisputable proof!
Safe Travelling!
1-888-MEDIPAC (1-888-633-4722) 7
Medipac Benefits
v Medipac Assist
• 24-hour, toll-free advice from our experienced medical professionals
• Caring assistance throughout any medical emergency
• Hospital, clinic and physician referrals
v Benefits up to $2,000,000 USD including:
• Hospital and Emergency Room Expenses
• Doctor’s, Physician’s, Chiropractor's and other Practitioner’s Care
• Air Ambulance, Ground Ambulance and Paramedic Fees
• Emergency Prescription Drug Coverage
• Return of Your Vehicle (including your trailer or motor home)
• Emergency Dental Coverage
• Travel Expenses to Bring a Relative to Your Bedside
• Return of Your Spouse and/or Dependent Children to Canada
• Return to Destination Benefit
v Claim Free Discount (see page 9)
• Available to new purchasers as well as existing clients
v Loyalty Credit (see page 9)
v Top-Ups Available (see page 10)
v Co-Insurance (see page 10)
v Credits for Federal Superannuates (see page 11)
v Annual Add-on (see page 12)
• now 182 days within Canada NEW
• 33-day option now available NEW
v MedipacPLUS (see page 13)

• Claim forgiveness
• Medical evacuation benefit
• Return to Canada benefit
• Increase policy maximum to $5,000,000 USD
• Accidental death benefit
• Pet benefit
• Excess luggage benefit
• Relocation benefit NEW
v Individualized Underwritten Insurance (see page 14)
• For individuals not eligible for Medipac's regular travel insurance plan
• To cover pre-existing conditions that do not meet our stability requirements
Underwritten by Old Republic Insurance Company of Canada
In Quebec underwritten by Reliable Life Insurance Company
8 www.medipac.com
Discounts - Save with Medipac
Loyalty Credit – Save up to 8%

Medipac is continually working to save money for our clients. As one of our loyal
Medipac clients, you can save up to 8% off your travel insurance. You will receive a
1% premium credit for each consecutive year in which you purchase Medipac, up to
eight years for a total credit of 8%.
Note: If you were unable to travel due to personal reasons in any particular year,
please advise us in writing. Medipac may still allow a Loyalty Credit.
Claim-Free Discount – Save up to 10%

Each year, thousands of Medipac clients qualify for substantial savings under our
Claim-Free Discount program – saving hundreds, if not thousands of dollars! Our
Claim-Free Discount recognizes up to 10 years of claim-free travelling. Medipac
clients who have been Claim-Free for the past three consecutive years initially qualify
for a 3% discount. For each additional and consecutive claim-free year, the discount
increases by 1%, to a maximum of 10%.
Note: A claim less than your deductible is not considered a claim for discount
purposes.
Combine the above discounts to save up to 18%.

Save up to 23% in PEI, Nunavut, the Northwest Territories and the Yukon,
under our provincial discount program.
NEW to Medipac? You can save up to 5%, too!

As a NEW Medipac client, you may be eligible for Medipac’s Claim-Free Advantage
Discount.
If you have not been hospitalized, and/or have not made a travel medical insurance
claim for the past three consecutive years, then you may be entitled to savings under
this unique program.
Your discount will be based on the number of consecutive years in which you have
not made a claim (with a minimum of three years), receiving 1% for each year for
which you qualify, to a maximum of 5%. You must provide Medipac with a written
statement confirming the number of years you have not been hospitalized and have
remained claim-free.
Discounts do not apply to Annual Add-on Rates and/or MedipacPLUS.

1-888-MEDIPAC (1-888-633-4722) 9
Existing Insurance? Reduce Your Cost
If you are one of the many travellers who already have some form of travel medical insurance, but
with limited coverage (perhaps through a former employer), you can choose to modify your plan with
Medipac Travel Insurance.
Co-insurance – If your existing policy provides coverage for your whole trip, but includes a co-
insurance feature that requires you to pay a percentage of any bill (typically 20%), Medipac may be
able to pass on significant savings with our Co-insurance Program. Call Medipac and request a special
Co-insurance Application Supplement.
Lifetime Maximum – Many retirees have medical plans with limited lifetime maximums. If you have
such a plan, you may choose to use a portion of your benefits under the plan to pay your Medipac
deductible and, by choosing a $5,000 or $10,000 deductible, you can substantially reduce your
premium.
Note: In order to process your claim, Medipac will require payment of your deductible up front (usually
by credit card). Medipac will assist you later in recovering your deductible from your other plan.
Top-up Options – If you have an existing policy that provides for a limited number of travel days,
you can have your Medipac policy begin on the day your other coverage expires. Simply select the
Effective Date on which you want your Medipac policy to begin and pay the premium for the extra
number of days you need to complete your trip. This is called “topping up,” and Medipac offers this
feature with NO ADDED ADMINISTRATION FEE.
WARNING: In all top-up plans, eligibility conditions and pre-existing conditions will
apply as of the effective date of your Medipac Travel Insurance Policy, NOT on your date
of departure. If you have a change in your health status prior to Medipac’s Effective Date of
Insurance, you must contact Medipac for a full review.
We cannot advise you on your non-Medipac plan. However, we strongly recommend that you carefully
review and understand your other coverage.
· M
any group and employer plans renew annually, and coverage may change. Recently
insurance companies have introduced pre-existing condition exclusion clauses on a number
of these plans with their renewal. Each year, make sure that your plan continues to provide
adequate coverage.
· V ery low policy maximums of $100,000, with some as low as $10,000, are common. Do not
rely on these low-limit plans. Make sure that your other plan provides adequate coverage
with a minimum benefit of $1,000,000 USD. Otherwise, purchase Medipac coverage for your
entire trip.
·M
any other policies restrict your number of travel days to 10 days, 14 days,
40 days or 60 days. Make sure that you will be covered for your entire trip.
· M
any annual policies, and almost all credit card plans, DO NOT allow topping up. They also
may terminate ALL coverage if you go on a longer trip. It is your responsibility to ensure that
your other coverage is adequate for your needs.
Medipac provides coverage for emergencies that happen on the dates on which your Medipac policy is
in effect, and not for any other period of time.
10 www.medipac.com
Save with Federal Superannuate Credits
Retired federal civil servants, military personnel and retired RCMP officers who participate in
the Public Service Health Care Plan (PSHCP) are normally provided with up to $500,000 CAD
in basic travel medical benefits, for the first 40 days of any trip. Medipac cautions that this is a
limit which may not provide the necessary protection in the event of a major accident or illness
while travelling.
“Do not rely on your provincial health plan to cover costs if you get sick or are injured while abroad.”
– Department of Foreign Affairs, Trade and Development Canada
Why thousands of Superannuates choose Medipac...

✔✔ Four times the Federal Superannuate benefit
✔✔ Premium discounts for existing coverage
✔✔ Coverage from day one of your trip
✔✔ 40-day, out-of-country annual plan at no extra cost
✔✔ Additional benefits not provided by PSHCP
✔✔ 24-hour emergency assistance from Medipac Assist
When Superannuates purchase Medipac for the entire duration of their trip with a $500,000
deductible* for the first 40 days, they are covered from their date of departure with Medipac’s
maximum policy benefit of $2,000,000 USD and receive a Federal Superannuate Coverage
Credit towards their premium; in addition, they receive an out-of-country, 40-day annual
plan at no extra cost. The annual plan begins on the Effective Date of Insurance. Credits
can be found at the bottom of this page; enter the credit in the payment section of the
insurance application to subtract it from your premium.
We are aware that many Superannuates choose to “take a chance” during the first 40 days
of their trip and buy Medipac only as top-up coverage. This is usually cheaper, but you lose
the protection of Medipac’s $2,000,000 USD maximum policy benefit and the emergency
assistance services offered through Medipac Assist for the first 40 days. The Medipac plan
would be effective on the 41st day of your trip, when the PSHCP coverage ends. In addition, if
your health changed prior to Medipac's Effective Date of Insurance, you would need to contact
Medipac for a reassessment of your eligibility and rate qualification, as your coverage could be
void or limited.
For greater coverage, we at Medipac recommend that you purchase Medipac Travel Insurance
for the entire duration of your trip, and use our Superannuate Credit to reduce your premium.
* Each trip under your annual plan will be subject to the same deductible.
FEDERAL SUPERANNUATE CREDITS

Age Bands Up to 55 56 to 60 61 to 65 66 to 70 71 to 75 76 to 79 80 to 85 86 PLUS
$99 $ 41 $ 83 $ 104 $ 146 $ 192 $ 284 $ 424 $ 622
Deductible
$1,000 34 71 93 130 156 259 389 544

$5,000 26 56 71 102 127 187 284 414
$10,000 19 41 57 73 88 130 207 311
AVAILABLE FOR TRIPS OVER 40 DAYS
1-888-MEDIPAC (1-888-633-4722) 11
Annual Add-on
Medipac offers two great options for frequent travellers: a 23-day Annual Add-on and a 33-day
Annual Add-on.
Save time and money with Medipac’s Annual Add-on Options

When you purchase a single trip policy, you can save time when you upgrade your policy with
Medipac’s Annual Add-on; apply for your travel insurance once and cover all of the short trips you
take during the year.
When you purchase the Annual Add-on, you will also save money! An Annual Add-on will give you
the freedom to take an unlimited number of trips outside Canada for one low price. Depending on
which Annual Add-on you choose, you can take an unlimited number of trips 23 or 33 days in length
outside Canada, and trips up to 182 days in length within Canada, outside of your home province.
Need Separate Annual Coverage?

To get your 23-day or 33-day annual plan, simply buy either a 22-24 day or a 31-33 day Medipac
Travel Insurance Plan, add the Annual Add-on rate and indicate the date on which you wish your
annual coverage to begin. It’s that simple! See page 43 for short term rates.
To purchase a 23-day Annual Add-on you must buy a minimum 22-24 day single trip plan.
To purchase a 33-day Annual Add-on you must buy a minimum 31-33 day plan.
Did You Know that our provincial health insurance plans DO NOT COVER many emergency
expenses incurred in Canada (outside your province of residence), such as medication, ambulance,
paramedical services or air evacuations? Medipac does! Your Medipac policy also covers additional
non-medical costs for all of your trips, including return of your vehicle, bringing a family member to
your bedside, out-of-pocket expenses and emergency dental expenses.
Convenient Features
· You can choose to have your Annual Add-on begin at any time
between your purchase date and your Effective Date.
· Extensions and top-ups are available for trips under your
Annual Add-on.
· You are not required to notify Medipac before you depart on any
short trip covered under your Annual Add-on. You are, however,
required to provide proof of your trip start date, in the event
of a claim.
Please remember that the Pre-Existing Condition clauses apply prior to
each and every trip (see Pre-Existing Conditions starting on policy page 5).
Annual Add-on rates can be found on all rate tables. The Annual Add-on can be used alone, extended or topped
up for every other trip but cannot be used in combination with the Single Trip with which it is purchased.
The premium for the Annual Add-on cannot be refunded once coverage begins.
12 www.medipac.com
MedipacPLUS
EIGHT GREAT FEATURES!

ONE LOW PRICE!
For the last few years clients have saved thousands of dollars by protecting their Claim Free Discount
when they upgraded to the MedipacPLUS plan for only $59.
Many Medipac clients have already earned up to a 10% Claim-Free Discount; with the MedipacPLUS
plan, that valuable discount can be protected in the event of a claim. Without MedipacPLUS, should
you experience a claim, your discount will be reduced significantly.
Why take the chance? Upgrade to our MedipacPLUS plan!
Protect Your Claim-Free Discount a hurricane, flood, forest fire, sinkhole or earth-
quake causes your principal dwelling* to become
MedipacPLUS protects your Claim-Free Discount
uninhabitable.
by forgiving the first claim that causes you to ex-
ceed your deductible during your trip – a small price Return To Canada Benefit
to pay to extend your savings year after year.
MedipacPLUS provides coverage for economy-
Medical Evacuation Benefit class return airfare to a maximum of $2,000 to fly
you from your vacation destination to Canada and
MedipacPLUS pays you $100 CAD per day to a
back. In addition, this benefit provides coverage for
maximum of 10 days, if Medipac returns you to
ground transportation expenses:
Canada for medical reasons and you are hospital-
ized within three days of your return to Canada. · If a member of your immediate family* who is
not travelling with you dies after you leave your
$5,000 Accidental Death Insurance home, or
MedipacPLUS includes a $5,000 CAD death · If a natural disaster causes your principal resi-
benefit that will be paid to your estate if you die as dence to become uninhabitable after you leave
a result of accidental injury while you are on your home.
MedipacPLUS-insured trip.
Policy Benefit Maximum Increases to
Pet Benefit $5,000,000 USD
MedipacPLUS will reimburse you up to $750 to MedipacPLUS increases the coverage amount
return your pet(s) to Canada if Medipac returns of your Medipac policy from $2,000,000 to
you to Canada for medical reasons, or if you have $5,000,000. Certain provisions and exclusions ap-
a claim under the MedipacPLUS Return to Canada ply. See Endorsement wordings for details.
benefit, you will be reimbursed the cost of boarding
your pet(s) for one week to a maximum of $500
Excess Luggage Benefit
while you are in Canada. MedipacPLUS will reimburse up to $500 for
the cost to return your excess luggage if Medipac
Relocation Benefit NEW returns you to Canada for medical reasons and you
MedipacPLUS will reimburse up are unable to return your luggage to Canada by any
to $2,500 for temporary accommodations and other means.
transportation in the event a disaster caused by *see definitions page 40
If topping up another insurance policy, MedipacPLUS does not

provide coverage until your Medipac Policy Effective Date. $ 59
1-888-MEDIPAC (1-888-633-4722) 13
Individual Underwritten Insurance
For Applicants NOT Eligible for the Medipac Plan

As most of you know, Medipac is continuously searching for new ways in which to make
comprehensive travel insurance available to everyone.
Some of Medipac’s clients have also found it difficult, if not impossible, to purchase
proper travel health insurance due to a recent change in their medication, a change in
their health status or because of hospitalization during the past year.
Medipac may be able to help – ask about our Individual Underwritten Insurance.
If you do not qualify for the Medipac plan, or if you want coverage for a “pre-existing
condition” that would otherwise be excluded, we invite you to call our Specialty
Services department at 1-877-888-5259 and ask for our Individual Underwritten
Application. Once your completed application and medical questionnaire have been
received by Medipac, either by fax or mail, our medical staff will assess your medical
information and, if approved, provide you with an individual quotation.
Our Individual Underwritten Insurance has brought the Medipac plan to thousands of
snowbirds and travellers who were previously unable to purchase insurance anywhere.
For those of you who must apply for our Individual Underwritten Insurance, your
Claim-Free Discount and Loyalty Credit still apply.
14 www.medipac.com
Medipac Assist
Peace of mind is a phone call away

The Medipac Assistance “hotline” is a very important service for our clients. Should you ever need to
call, you will speak directly with one of our medical professionals who are trained and experienced in
critical care. Often, all that is required is some reassurance and help with setting up a doctor’s appoint-
ment. On many occasions, our medical staff has persuaded clients to seek immediate emergency
medical attention and not to “wait until the weekend is over.” Our medical professionals can also help
you deal with a sometimes intimidating foreign medical system and help prevent unnecessary expenses
when you have a large deductible.
Some of your comments about our Medipac Program

“My parents are enjoying their winter “Your staff are very knowledgeable and help
in warm and sunny Florida, and I us immensely in our choices for coverage…
know that they are protected by the they are one of the reasons we will continue
best in the business…I cannot thank to purchase Medipac for our travels.”
you enough for the assistance of and Don
exemplary service provided by “Your staff member is a credit to your
Medipac Travel Insurance.” organization; he helped me through a very
Cathy different time in my life.”
Roy
“Your staff’s knowledge, communication “(My mother’s doctor) was very pleased with
skills and general demeanor the knowledge of your medical personnel.
toward serving customers must be We are so impressed with the way Medipac
acknowledged and applauded.” operates that we have requested info on
Jeanette and Ron your insurance for my husband and I.”
Linda & Dave
1-888-MEDIPAC (1-888-633-4722) 15
Preferred PLUS Rates - $ 99 USD Deductible
Zero Deductible add 10%
For Short Term rates see page 43 to $99 Deductible Rates
TRIP AGE BANDS
LENGTH Up to 55 56 to 60 61 to 65 66 to 70 71 to 75 76 to 79 80 to 85 86 PLUS
41-50 $ 131 $ 181 $ 216 $ 240 $ 346 $ 531 $ 989 $ 1,499

51-60 159 219 250 292 420 645 1,154 1,631
61-66 192 264 310 360 485 774 1,291 1,853
67-75 230 324 362 430 574 890 1,552 2,092
76-82 263 352 394 474 640 974 1,766 2,291
83-90 295 379 414 530 695 1,090 1,925 2,458
91-96 320 407 454 582 756 1,233 2,054 2,604
97-105 356 446 485 652 855 1,379 2,242 2,920
106-112 389 479 522 715 928 1,499 2,411 3,173
113-120 430 529 583 759 999 1,598 2,578 3,499
121-126 469 592 664 806 1,074 1,710 2,808 3,708
127-135 510 658 752 892 1,190 1,829 3,062 4,037
136-142 540 717 817 948 1,274 1,947 3,300 4,387
143-150 563 752 856 1,009 1,351 2,050 3,474 4,669
151-156 597 790 923 1,070 1,466 2,183 3,630 4,958
157-165 648 840 980 1,151 1,569 2,298 3,793 5,190
166-175 704 884 1,020 1,219 1,665 2,420 3,988 5,486
176-183 734 916 1,074 1,274 1,760 2,530 4,165 5,698
184-190 810 988 1,152 1,352 1,868 2,652 4,371 6,234
191-200 895 1,100 1,245 1,451 2,107 2,859 4,787 6,828
201-212 1,040 1,284 1,427 1,653 2,434 3,179 5,366 7,664
Trips in excess of 183 days are available to residents of all provinces and territories except QC, PEI and NU.
ANNUAL ADD-ON RATES

Up to 55 56 to 60 61 to 65 66 to 70 71 to 75 76 to 79 80 to 85 86 PLUS
23-DAY
$ 65 $ 70 $ 92 $ 112 $ 131 $ 187 $ 288 $ 359
33-DAY
$ 89 $ 99 $ 131 $ 161 $ 190 $ 271 $ 420 $ 526
16 www.medipac.com
Preferred PLUS Rates - $ 1,000 USD Deductible
For Short Term rates see page 43

TRIP AGE BANDS
41-50 $ 126 $ 164 $ 197 $ 224 $ 304 $ 472 $ 874 $ 1,285

51-60 133 181 210 245 351 564 988 1,398
61-66 161 217 259 301 405 686 1,105 1,593
67-75 207 266 302 374 483 787 1,298 1,816
76-82 227 295 330 424 560 871 1,474 1,978
83-90 243 305 343 456 593 951 1,630 2,099
91-96 271 333 368 488 650 1,070 1,754 2,276
97-105 299 356 407 553 720 1,191 1,927 2,512
106-112 330 389 430 600 785 1,298 2,068 2,722
113-120 364 434 484 638 858 1,392 2,230 2,951
121-126 399 487 574 679 905 1,491 2,415 3,145
127-135 436 548 650 748 974 1,591 2,637 3,437
136-142 462 593 680 799 1,063 1,685 2,840 3,748
143-150 482 616 716 857 1,143 1,770 3,003 4,014
151-156 510 629 763 902 1,230 1,894 3,134 4,250
157-165 553 689 816 964 1,334 2,030 3,256 4,477
166-175 598 713 848 999 1,420 2,110 3,398 4,731
176-183 634 734 890 1,049 1,463 2,197 3,574 4,944
184-190 675 802 943 1,113 1,577 2,307 3,751 5,371
191-200 766 915 1,051 1,225 1,780 2,489 4,108 5,860
201-212 890 1,069 1,204 1,395 2,058 2,767 4,606 6,561
ANNUAL ADD-ON RATES

23-DAY
$ 55 $ 68 $ 81 $ 95 $ 110 $ 165 $ 251 $ 312
33-DAY
$ 73 $ 89 $ 116 $ 137 $ 158 $ 241 $ 369 $ 462
1-888-MEDIPAC (1-888-633-4722) 17

TRIP AGE BANDS
41-50 $ 106 $ 130 $ 163 $ 190 $ 254 $ 385 $ 673 $ 1,041

51-60 111 160 190 223 309 462 789 1,167
61-66 138 194 217 275 357 540 930 1,331
67-75 166 229 254 330 410 620 1,081 1,529
76-82 192 247 274 370 450 684 1,200 1,639
83-90 214 273 304 399 480 763 1,308 1,724
91-96 233 297 331 437 520 843 1,420 1,857
97-105 259 323 360 484 574 930 1,537 2,164
106-112 284 342 390 518 635 1,013 1,655 2,276
113-120 308 388 430 558 695 1,090 1,788 2,511
121-126 330 427 498 590 752 1,172 1,928 2,628
127-135 350 462 534 620 829 1,254 2,090 2,897
136-142 370 494 562 654 880 1,335 2,240 3,163
143-150 394 513 590 693 934 1,410 2,374 3,356
151-156 418 529 629 731 999 1,491 2,474 3,559
157-165 446 564 674 778 1,074 1,585 2,590 3,745
166-175 480 592 695 830 1,124 1,656 2,730 3,950
176-183 512 614 723 867 1,189 1,730 2,865 4,097
184-190 550 669 763 914 1,280 1,821 3,009 4,494
191-200 619 763 833 993 1,446 1,965 3,296 4,900
201-212 677 892 960 1,133 1,668 2,185 3,695 5,502
ANNUAL ADD-ON RATES

23-DAY
$ 48 $ 58 $ 67 $ 77 $ 91 $ 131 $ 193 $ 253
33-DAY
$ 59 $ 82 $ 96 $ 111 $ 132 $ 191 $ 284 $ 374
18 www.medipac.com

TRIP AGE BANDS
41-50 $ 78 $ 117 $ 144 $ 166 $ 214 $ 351 $ 619 $ 892

51-60 96 135 161 184 242 409 690 1,010
61-66 111 150 186 216 292 485 798 1,154
67-75 134 164 204 274 350 559 962 1,326
76-82 154 188 223 308 394 617 1,074 1,433
83-90 174 211 244 330 434 673 1,173 1,580
91-96 194 238 263 364 474 754 1,273 1,716
97-105 213 258 284 396 526 853 1,371 1,884
106-112 233 282 313 433 573 930 1,498 2,006
113-120 260 321 364 466 626 992 1,617 2,179
121-126 283 359 407 500 674 1,059 1,749 2,304
127-135 304 396 454 547 740 1,134 1,910 2,433
136-142 324 423 494 583 804 1,203 2,030 2,746
143-150 344 446 529 625 850 1,272 2,152 2,913
151-156 364 464 560 660 908 1,348 2,261 3,090
157-165 386 498 595 704 972 1,430 2,363 3,244
166-175 420 528 626 740 1,031 1,504 2,482 3,437
176-183 454 555 646 774 1,074 1,571 2,600 3,540
184-190 485 595 677 810 1,158 1,648 2,722 3,897
191-200 554 678 769 897 1,308 1,778 2,981 4,259
201-212 641 793 882 1,024 1,513 1,977 3,345 4,782
ANNUAL ADD-ON RATES

23-DAY
$ 44 $ 52 $ 59 $ 67 $ 77 $ 110 $ 161 $ 202
33-DAY
$ 49 $ 74 $ 84 $ 96 $ 112 $ 161 $ 237 $ 299
1-888-MEDIPAC (1-888-633-4722) 19
Preferred Rates - $99 USD Deductible
TRIP AGE BANDS
41-50 $ 249 $ 298 $ 343 $ 530 $ 641 $ 914 $ 1,388 $ 1,910

51-60 330 355 418 633 754 1,064 1,579 2,207
61-66 353 395 470 692 847 1,196 1,846 2,474
67-75 392 461 540 774 950 1,326 2,119 2,780
76-82 463 498 580 828 1,040 1,472 2,406 3,061
83-90 513 540 620 886 1,110 1,635 2,628 3,358
91-96 545 580 674 970 1,210 1,819 2,969 3,704
97-105 598 651 765 1,074 1,359 1,995 3,281 4,064
106-112 639 727 863 1,163 1,498 2,177 3,539 4,385
113-120 690 822 974 1,252 1,615 2,350 3,865 4,702
121-126 740 899 1,104 1,344 1,774 2,481 4,188 5,029
127-135 810 984 1,210 1,450 1,928 2,692 4,508 5,369
136-142 875 1,090 1,311 1,553 2,067 2,873 4,786 5,662
143-150 922 1,187 1,439 1,660 2,192 3,067 5,115 6,128
151-156 975 1,293 1,544 1,763 2,332 3,253 5,331 6,587
157-165 1,050 1,410 1,651 1,863 2,489 3,450 5,636 6,953
166-175 1,133 1,513 1,755 1,954 2,650 3,635 5,896 7,330
176-183 1,204 1,607 1,863 2,074 2,796 3,820 6,133 7,697
184-190 1,323 1,723 1,988 2,197 3,022 4,091 6,465 8,084
191-200 1,483 1,907 2,157 2,389 3,416 4,422 7,132 8,769
201-212 1,723 2,165 2,521 2,711 3,817 4,779 7,965 9,804
ANNUAL ADD-ON RATES

23-DAY
$ 79 $ 93 $ 126 $ 174 $ 203 $ 291 $ 407 $ 502
33-DAY
$ 111 $ 132 $ 180 $ 251 $ 294 $ 425 $ 598 $ 739
20 www.medipac.com
Preferred Rates - $ 1,000 USD Deductible

TRIP AGE BANDS
41-50 $ 213 $ 258 $ 294 $ 419 $ 553 $ 778 $ 1,176 $ 1,655

51-60 277 305 359 530 630 918 1,337 1,889
61-66 299 333 404 605 731 1,018 1,574 2,141
67-75 337 395 477 676 821 1,127 1,807 2,410
76-82 388 446 499 720 911 1,253 2,052 2,682
83-90 430 470 522 764 966 1,394 2,291 2,908
91-96 464 499 553 821 1,023 1,546 2,532 3,208
97-105 510 544 600 932 1,174 1,720 2,797 3,517
106-112 540 592 674 1,018 1,296 1,856 3,020 3,797
113-120 574 658 820 1,099 1,396 2,011 3,296 4,072
121-126 610 712 924 1,141 1,534 2,155 3,573 4,355
127-135 653 795 980 1,250 1,666 2,297 3,925 4,649
136-142 705 884 1,064 1,360 1,784 2,424 4,188 4,903
143-150 745 960 1,161 1,446 1,897 2,609 4,423 5,308
151-156 798 1,040 1,258 1,537 2,012 2,774 4,595 5,610
157-165 850 1,163 1,355 1,610 2,157 2,965 4,779 6,022
166-175 908 1,230 1,438 1,674 2,298 3,118 5,092 6,397
176-183 966 1,298 1,497 1,735 2,429 3,265 5,212 6,725
184-190 1,069 1,395 1,598 1,876 2,617 3,450 5,518 6,998
191-200 1,196 1,545 1,733 2,067 2,917 3,703 5,972 7,597
201-212 1,372 1,756 2,011 2,345 3,303 4,077 6,801 8,492
ANNUAL ADD-ON RATES

23-DAY
$ 65 $ 75 $ 110 $ 142 $ 164 $ 230 $ 332 $ 437
33-DAY
$ 92 $ 107 $ 157 $ 204 $ 238 $ 336 $ 488 $ 647
1-888-MEDIPAC (1-888-633-4722) 21
Preferred Rates - $5,000 USD Deductible

TRIP AGE BANDS
41-50 $ 165 $ 199 $ 242 $ 341 $ 430 $ 614 $ 942 $ 1,339

51-60 215 234 280 430 519 720 1,087 1,518
61-66 236 261 317 478 580 821 1,236 1,688
67-75 259 309 356 528 650 912 1,461 1,953
76-82 312 338 380 569 724 1,001 1,659 2,184
83-90 347 361 408 599 767 1,127 1,798 2,347
91-96 368 394 450 650 807 1,252 2,051 2,599
97-105 401 443 523 738 930 1,383 2,247 2,853
106-112 431 493 607 799 1,024 1,498 2,443 3,064
113-120 470 564 698 860 1,105 1,610 2,658 3,297
121-126 502 615 774 927 1,220 1,710 2,912 3,532
127-135 538 676 831 974 1,326 1,864 3,177 3,771
136-142 597 757 923 1,060 1,415 1,982 3,391 3,977
143-150 630 814 987 1,151 1,509 2,119 3,583 4,305
151-156 667 885 1,065 1,222 1,605 2,246 3,723 4,628
157-165 720 986 1,164 1,266 1,718 2,399 3,949 4,887
166-175 769 1,053 1,241 1,350 1,849 2,530 4,107 5,191
176-183 820 1,099 1,298 1,410 1,902 2,648 4,231 5,440
184-190 907 1,184 1,390 1,493 2,083 2,790 4,468 5,676
191-200 1,017 1,311 1,510 1,646 2,329 3,052 4,836 6,161
201-212 1,183 1,490 1,724 1,801 2,632 3,237 5,507 6,853
ANNUAL ADD-ON RATES

23-DAY
$ 55 $ 73 $ 91 $ 115 $ 133 $ 190 $ 271 $ 351
33-DAY
$ 78 $ 104 $ 131 $ 161 $ 193 $ 277 $ 398 $ 519
22 www.medipac.com
Preferred Rates - $10,000 USD Deductible

TRIP AGE BANDS
41-50 $ 147 $ 175 $ 204 $ 295 $ 392 $ 562 $ 855 $ 1,189

51-60 189 197 224 379 478 648 979 1,371
61-66 210 234 260 430 535 727 1,145 1,539
67-75 236 258 290 481 585 820 1,315 1,732
76-82 280 310 340 512 651 912 1,497 1,938
83-90 311 329 374 545 691 1,014 1,634 2,093
91-96 340 353 440 585 752 1,129 1,847 2,308
97-105 367 399 500 658 840 1,252 2,041 2,532
106-112 391 449 520 728 929 1,352 2,203 2,733
113-120 421 512 598 773 998 1,456 2,406 2,930
121-126 452 553 674 817 1,099 1,548 2,609 3,135
127-135 496 606 748 908 1,196 1,681 2,865 3,348
136-142 528 667 824 973 1,283 1,787 3,060 3,565
143-150 566 728 888 1,039 1,360 1,906 3,213 3,822
151-156 598 797 963 1,098 1,448 2,024 3,357 4,108
157-165 649 865 1,042 1,140 1,548 2,164 3,548 4,337
166-175 692 931 1,124 1,230 1,652 2,278 3,697 4,609
176-183 740 989 1,174 1,288 1,741 2,381 3,808 4,844
184-190 818 1,068 1,244 1,346 1,881 2,517 4,032 5,045
191-200 918 1,183 1,363 1,485 2,100 2,755 4,363 5,474
201-212 1,068 1,344 1,566 1,684 2,372 2,979 4,969 6,119
ANNUAL ADD-ON RATES

23-DAY
$ 48 $ 64 $ 78 $ 99 $ 114 $ 161 $ 224 $ 287
33-DAY
$ 68 $ 94 $ 118 $ 150 $ 165 $ 235 $ 329 $ 425
1-888-MEDIPAC (1-888-633-4722) 23
Standard Rates - $99 USD Deductible
TRIP AGE BANDS
41-50 $ 360 $ 399 $ 530 $ 674 $ 874 $ 1,271 $ 1,973 $ 2,860

51-60 381 545 630 798 1,061 1,541 2,304 3,240
61-66 458 634 698 903 1,237 1,748 2,579 3,743
67-75 489 705 790 1,052 1,426 1,930 2,877 4,259
76-82 564 812 890 1,142 1,630 2,208 3,147 4,731
83-90 636 874 956 1,271 1,750 2,482 3,535 5,215
91-96 673 916 1,020 1,370 1,869 2,696 3,828 5,767
97-105 750 999 1,174 1,582 2,146 2,931 4,219 6,430
106-112 836 1,120 1,274 1,748 2,384 3,179 4,533 6,957
113-120 879 1,224 1,374 1,867 2,504 3,412 4,876 7,489
121-126 938 1,335 1,490 1,978 2,630 3,642 5,289 7,844
127-135 999 1,410 1,658 2,174 2,874 3,882 5,735 8,540
136-142 1,098 1,467 1,769 2,312 3,113 4,116 6,206 9,106
143-150 1,155 1,551 1,886 2,490 3,422 4,351 6,614 9,999
151-156 1,198 1,617 1,988 2,618 3,712 4,639 7,117 10,588
157-165 1,284 1,785 2,204 2,759 4,085 4,944 7,790 11,462
166-175 1,381 1,898 2,416 2,930 4,228 5,272 8,380 12,215
176-183 1,446 2,049 2,615 3,152 4,459 5,666 8,780 12,649
184-190 1,547 2,259 2,875 3,484 4,979 6,223 9,573 13,314
191-200 1,809 2,544 3,266 3,822 5,750 6,939 10,702 14,827
201-212 2,112 2,828 3,736 4,458 6,667 7,908 12,300 16,466
ANNUAL ADD-ON RATES

23-DAY
$ 136 $ 149 $ 183 $ 231 $ 317 $ 480 $ 676 $ 999
33-DAY
$ 192 $ 212 $ 262 $ 333 $ 460 $ 701 $ 994 $ 1,472
24 www.medipac.com
Standard Rates - $1,000 USD Deductible

TRIP AGE BANDS
41-50 $ 278 $ 380 $ 450 $ 530 $ 763 $ 1,110 $ 1,731 $ 2,419

51-60 308 446 530 664 920 1,330 1,987 2,717
61-66 339 505 610 766 1,056 1,513 2,224 3,139
67-75 379 584 698 874 1,210 1,666 2,480 3,573
76-82 429 636 760 970 1,350 1,946 2,725 3,949
83-90 494 661 810 1,080 1,474 2,161 3,049 4,375
91-96 523 709 885 1,174 1,620 2,360 3,294 4,729
97-105 616 792 982 1,346 1,798 2,542 3,642 5,395
106-112 650 874 1,075 1,485 1,974 2,783 3,912 5,838
113-120 684 956 1,143 1,586 2,137 2,986 4,209 6,280
121-126 731 1,028 1,250 1,730 2,315 3,181 4,561 6,571
127-135 784 1,077 1,390 1,863 2,518 3,404 4,950 7,166
136-142 859 1,146 1,502 1,965 2,647 3,600 5,365 7,643
143-150 899 1,188 1,592 2,110 2,920 3,810 5,709 8,399
151-156 938 1,250 1,690 2,227 3,156 4,051 6,151 8,916
157-165 999 1,365 1,873 2,344 3,475 4,328 6,722 9,622
166-175 1,080 1,484 2,056 2,491 3,608 4,601 7,236 10,253
176-183 1,132 1,592 2,187 2,688 3,798 4,953 7,580 10,618
184-190 1,210 1,768 2,410 2,961 4,237 5,449 8,267 11,363
191-200 1,411 1,992 2,638 3,220 4,893 6,078 9,242 12,203
201-212 1,653 2,215 3,126 3,795 5,674 6,928 10,623 12,641
ANNUAL ADD-ON RATES

23-DAY
$ 115 $ 134 $ 163 $ 198 $ 274 $ 416 $ 584 $ 887
33-DAY
$ 162 $ 190 $ 233 $ 285 $ 394 $ 607 $ 858 $ 1,313
1-888-MEDIPAC (1-888-633-4722) 25

TRIP AGE BANDS
41-50 $ 239 $ 327 $ 374 $ 464 $ 568 $ 865 $ 1,347 $ 2,010

51-60 253 358 414 543 714 1,068 1,561 2,277
61-66 307 438 480 611 846 1,192 1,763 2,631
67-75 328 508 550 697 971 1,330 1,954 2,996
76-82 372 547 599 776 1,097 1,519 2,161 3,327
83-90 424 583 663 865 1,195 1,695 2,419 3,669
91-96 455 618 719 948 1,308 1,843 2,620 3,976
97-105 530 689 810 1,081 1,465 1,998 2,888 4,521
106-112 566 761 874 1,188 1,610 2,174 3,106 4,899
113-120 598 833 943 1,274 1,719 2,318 3,340 5,272
121-126 635 912 1,033 1,360 1,820 2,481 3,625 5,522
127-135 681 949 1,121 1,474 1,974 2,647 3,929 5,996
136-142 744 999 1,207 1,580 2,129 2,854 4,254 6,412
143-150 785 1,029 1,287 1,710 2,348 2,981 4,508 7,046
151-156 824 1,090 1,352 1,791 2,541 3,177 4,881 7,481
157-165 872 1,198 1,507 1,882 2,758 3,387 5,279 8,074
166-175 941 1,295 1,652 1,996 2,904 3,613 5,748 8,604
176-183 987 1,397 1,794 2,158 3,074 3,882 6,021 8,877
184-190 1,055 1,542 1,967 2,384 3,410 4,264 6,565 9,373
191-200 1,220 1,734 2,236 2,617 3,938 4,755 7,339 10,702
201-212 1,441 1,934 2,557 3,055 4,567 5,351 8,435 11,593
ANNUAL ADD-ON RATES

23-DAY
$ 90 $ 103 $ 132 $ 162 $ 223 $ 331 $ 460 $ 699
33-DAY
$ 127 $ 146 $ 189 $ 233 $ 323 $ 483 $ 676 $ 1,035
26 www.medipac.com

TRIP AGE BANDS
41-50 $ 214 $ 282 $ 319 $ 424 $ 510 $ 793 $ 1,214 $ 1,743

51-60 226 321 374 488 674 962 1,410 1,997
61-66 268 376 419 546 774 1,074 1,590 2,305
67-75 295 446 490 634 874 1,172 1,774 2,631
76-82 333 479 533 698 974 1,330 1,949 2,924
83-90 384 517 574 769 1,088 1,490 2,182 3,225
91-96 420 555 638 854 1,174 1,662 2,372 3,469
97-105 464 615 733 970 1,305 1,790 2,606 3,901
106-112 509 678 798 1,074 1,453 1,962 2,802 4,289
113-120 535 748 853 1,148 1,549 2,096 3,015 4,633
121-126 559 815 930 1,217 1,630 2,248 3,260 4,854
127-135 614 847 998 1,320 1,774 2,403 3,547 5,220
136-142 673 896 1,087 1,424 1,921 2,576 3,833 5,637
143-150 708 933 1,160 1,530 2,112 2,688 4,089 6,195
151-156 735 983 1,223 1,614 2,291 2,850 4,393 6,525
157-165 787 1,062 1,356 1,698 2,474 3,055 4,820 7,088
166-175 847 1,164 1,489 1,808 2,615 3,260 5,187 7,554
176-183 888 1,264 1,616 1,950 2,759 3,487 5,434 7,834
184-190 950 1,393 1,774 2,151 3,078 3,849 5,926 8,246
191-200 1,111 1,568 2,017 2,360 3,556 4,292 6,594 9,183
201-212 1,300 1,744 2,306 2,756 4,124 4,891 7,616 10,199
ANNUAL ADD-ON RATES

23-DAY
$ 78 $ 89 $ 112 $ 138 $ 189 $ 280 $ 386 $ 571
33-DAY
$ 110 $ 126 $ 160 $ 199 $ 274 $ 409 $ 567 $ 845
1-888-MEDIPAC (1-888-633-4722) 27
Policy Text
Medipac ®
2017-2018 Travel Emergency

Medical Insurance Policy
Please read the policy carefully.
Certain conditions and limitations apply.
The following 11 pages contain

the actual policy text.
Underwritten by
Old Republic Insurance Company of Canada
28 www.medipac.com
Policy Text
Please read this policy carefully for an understanding or territory of residence for any other reason and resume
of the coverage provided. This policy is underwritten travel, this insurance does not provide benefits for any
by Old Republic Insurance Company of Canada or in Medical Emergency concerning, relating to, caused by or
Quebec, Reliable Life Insurance Company, which have arising from any medical or physical condition for which
appointed Medipac International Inc. (Medipac) to perform You received Medical Attention while in Your province or
certain administrative services, including enrolment and territory of residence. The number of days You return to
customer service, and Medipac Assistance International Your province or territory of residence cannot be refunded.
Inc. (Medipac Assist) to perform all assistance and If You have purchased the Annual Add-on to the Single
claims services. The Company will pay benefits specified Trip Plan, then for every other trip:
subject to the exclusions, limitations, definitions and other
provisions of this policy. For an understanding of the 1. Outside Canada, Your insurance coverage begins at
exclusions, please refer to "WHAT IS NOT COVERED" 12:01 a.m. on each day You leave Canada during the
and "GENERAL LIMITATIONS". The section titled "THE 365-day period following Your Effective Date of Insurance.
DEFINITIONS" provides an explanation of the words and Your coverage ends on the earlier of: (a) 365 days after
phrases shown in italics. Your Effective Date of Insurance; (b) the date You return to
Canada; (c) 12:01 a.m. 23 days after the date You leave
This coverage is available to Canadian residents only Canada (if You purchased the 23-day Annual Add-on); or
and must be purchased prior to the Date of Departure (d) 12:01 a.m. 33 days after the date You leave Canada (if
and from within Canada. You must be covered under You purchased the 33-day Annual Add-on).
the Government Health Insurance Plan of the Canadian
province or territory in which You reside. Family coverage 2. W ithin Canada, Your insurance coverage begins
is available to You (if under age 56), Your Spouse and Your at 12:01 a.m. on each day You leave Your Canadian
Children who are travelling together with You. A Spouse province or territory of principal residence. Your
over age 55 is not covered by a family policy. coverage ends on the earlier of: (a) 12:01a.m. 182 days
after the date You leave Your Canadian province or
This policy covers Reasonable Charges incurred by You outside territory of principal residence; (b) the date You return to
Your province or territory of principal residence; that result Your Canadian province or territory of principal residence;
from a Medical Emergency occurring during the period of or (c) 365 days after Your Effective Date of Insurance.
coverage (as explained below); and that You incur for Medically
Necessary Medical Treatment. The period of coverage is subject to the automatic
extension provision explained in "WHAT HAPPENS TO
This policy contains a provision removing or MY INSURANCE COVERAGE IF I AM HOSPITALIZED AND
restricting the right of the insured to designate CANNOT RETURN ON MY SCHEDULED RETURN DATE?"
persons to whom or for whose benefit insurance
money is to be payable. The insurance coverage must be purchased for the entire
duration of Your Trip, unless otherwise expressly stated in
This insurance policy is in force only if Medipac has this policy.
received Your completed application and premium; and a
policy has been issued. If You have purchased an Annual Add-on to the Single Trip
Plan, You can extend any single Trip during Your policy's
PERIOD OF COVERAGE 365-day period. When extending Your Annual Add-on, the
For the Single Trip Plan, Your insurance begins at 12:01 same coverage type and deductible option MUST apply.
a.m. on Your Effective Date of Insurance as set out in Your Your Annual Add-on cannot be used in combination with
Application for insurance and cannot begin earlier unless Your Single Trip Plan.
You notify Medipac in advance. Your insurance ends on WHAT SHOULD I DO IN A MEDICAL EMERGENCY?
the earlier of: (a) 11:59 p.m. on the scheduled return date
set out in Your Application for insurance; (b) the date You You MUST notify Medipac Assist PRIOR to seeking Medical
return to Canada for any medical reason. Once treatment Treatment. 1-800-813-9374 (U.S. and Canada)
ends You may apply to Medipac Assist to have Your policy 416-441-6337 (collect or direct from all other locations).
reinstated. To be valid, a policy endorsement is required. Failure to call will result in reimbursement of only 75% of all
If, during the Single Trip Plan, You return to Your province eligible Covered Expenses to a maximum of $25,000 USD
Policy Page 1
1-888-MEDIPAC (1-888-633-4722) 29
Policy Text
If You are not able to call because You are medically "Company" means Old Republic Insurance Company of
incapacitated, You or someone on Your behalf MUST contact Canada or in Quebec, Reliable Life Insurance Company.
Medipac Assist as soon as reasonably possible. Do not "Covered Expense" means Reasonable Charges in
assume that someone has called Medipac Assist on Your excess of the Government Health Insurance Plan of the
behalf; it remains Your responsibility to ensure that Medipac
Canadian province or territory in which You reside or any
Assist has been contacted. private or provincial or territorial Auto Insurance Plan
All medical procedures and/or tests (including MRI, MRCP, for supplies, treatment or services listed in The Benefits
CAT Scan, CT Angiogram, Nuclear Stress Test, Angiogram or section subject to policy limitations.
Cardiac Catheterization or ANY surgery) MUST be authorized "Deductible Amount" means the amount of Covered
by Medipac Assist in advance. Reimbursement is subject to Expenses that You will be responsible for paying. Covered
the terms and conditions of this policy. Expenses are first paid by Your Government Health
Whenever possible, Medipac Assist will: Insurance Plan; then Your Deductible Amount applies
• verify Your insurance coverage; before any remaining Covered Expenses are paid under
• direct You or transfer You to one of our network of this policy. The Deductible Amount, if any, applicable to
Hospitals, Physicians or other medical providers near this policy is shown in U.S. dollars on the Policy Validation
You and help to manage Your emergency medical Label affixed to this policy and applies to each Trip.
claim; "Effective Date of Insurance" means for the Single Trip
• provide multilingual interpreters to communicate Plan, the later of 1) the Date of Departure shown on Your
with Physicians and Hospitals in foreign countries; application for insurance or 2) the date You leave Your
• contact Your family and Physician; province or territory of residence. If purchasing the Single
• p ay Covered Expenses directly to Hospitals, Trip Plan to top up another medical travel insurance policy,
Physicians and other medical providers on Your it means the Effective Date of Insurance indicated on Your
behalf; application for insurance. If purchasing the Annual Add-on,
• monitor Your medical condition; it means the date You choose Your insurance coverage to
• arrange for return transportation to a Hospital in take effect as indicated on Your application for insurance.
Canada, if necessary.
"Hospital" means an institution which is licensed as a
A Medical Treatment plan will be developed to provide Hospital and which:
Medically Necessary Medical Treatment in a managed care
setting. (a) is primarily engaged in providing medical, diagnostic
and surgical services for the care and treatment of sick
You MUST provide authorization for the release of medical or injured persons on an in-patient basis; and
records and information from Your attending Physician(s)
(including any test results, hospital and pharmaceutical (b) provides medical care under the supervision of a staff
records). No benefits will be payable under this policy of Physicians, with 24-hour-a-day care by registered
without the required information. nurses; and
(c) is not otherwise licensed as a home for the aged, a rest
THE DEFINITIONS home, health spa, nursing home, convalescent hospital,
The following words have specific meanings: hospice, palliative care facility, a place for the care and
treatment of drug addicts or alcoholics, custodial or
"Children" means unmarried dependent sons or
educational facility, or any rehabilitation facility.
daughters under the age of 19 and born at least 3 months
prior to Your Effective Date of Insurance or Your Trip Start "Hospitalized" and "Hospitalization" means
Date. confinement in a Hospital as defined above.
Policy Page 2
30 www.medipac.com
Policy Text
"Injury" means any accidental bodily harm that occurs (e) not possible to delay until You return to Canada; and
and results in Covered Expenses while this policy is in (f) the most appropriate supply or level of service which
force. Such Injury must be caused solely by external, can be provided on a cost-effective basis (including,
violent and accidental means, and independent of but not limited to, in-patient vs. outpatient care, electric
Sickness and of any other cause. vs. manual wheelchair, surgical vs. medical or other
"Insured" means a person who is named on the types of care).
application for insurance and in whose name the required The fact that the Insured’s attending Physician prescribes
premium has been paid. the services or supplies does not automatically mean
"Medical Attention": see Policy Page 6 for details. such services or supplies are Medically Necessary and
"Medical Emergency" means a Sickness or Injury which: covered by this policy.
(a) results in symptoms which occur suddenly and "Physician" means a medical practitioner (other than
unexpectedly; and the Insured, a Spouse or relative) who was at the time of
treatment currently licensed to prescribe and administer
(b) requires immediate Physician’s care to prevent death Medical Treatment within the scope of a medical doctor's
or serious impairment of Your health and/or to relieve licence, or a surgeon who performs surgery within
acute pain and suffering; and the scope of a surgeon's licence and whose legal and
(c) occurs outside Your Canadian province or territory of professional standing within their jurisdiction is equivalent
principal residence. to a doctor of medicine (M.D.) duly licensed to practise in
"Medical Treatment" means any reasonable medical, any province or territory of Canada.
therapeutic or diagnostic measure, service or supply "Pre-Existing Condition": see Policy Page 5 for details.
that is Medically Necessary and that is prescribed by a "Reasonable Charges" means charges which are made
Physician in any form, including prescribed medication, for care, services or supplies at a level usually furnished
reasonable investigative testing, Hospitalization, surgery for cases that are of the nature and severity of the case
or other prescribed or recommended treatment directly being treated.
referable to the condition, symptom or problem. Medical
Treatment does not include either: (a) the use of prescribed “Routine Check-up” means any medical examination
drugs or medication for a controlled condition, symptom which is performed for the purpose of general health
or problem when the dosage, drug or medication remains monitoring, which may include routine medical tests
unchanged; or (b) a check-up where the Physician and which is unrelated to any specific symptom, illness,
observes no change in a previously noted condition, condition or disease.
symptom or problem. "Sickness" means an illness or disease which results in
"Medically Necessary" in relation to any service, a Covered Expense while this coverage is in force. The
supply or other matter means one which is ordered by a Sickness must be serious enough for a reasonable person
Physician and one which the Company determines is: to seek personal Medical Treatment from a Physician.
(a) provided for the diagnosis or direct treatment of an "Spouse" means a person with whom the Insured is
Injury or Sickness; cohabiting and who either:
(b) appropriate and consistent with the symptoms and (a) is legally married to the Insured; or
findings or diagnosis and treatment of the Insured’s (b) has lived with the Insured, in a conjugal relationship,
Injury or Sickness; for a period of twelve (12) consecutive months
(c) not experimental or investigative; immediately prior to the commencement of insurance
coverage under this policy and who has been publicly
(d) provided in accordance with generally accepted represented as the Insured’s Spouse in the community
medical practice; in which they reside.
Policy Page 3
1-888-MEDIPAC (1-888-633-4722) 31
Policy Text
"Stable and Controlled": see Policy Page 6 for details. 3. Chiropractic Services: covers the cost of the
"Trip" means the defined period of travel between the professional services of a licensed chiropractor for a
time You leave home and the date You are scheduled to Medical Emergency. Charges for the services of a licensed
return home. chiropractor who is a Spouse or is related to You are not
covered. The benefit amount is a maximum of $500.
"Trip Start Date" means the Date of Departure each time
You leave Your province or territory of principal residence 4. Other Professional Services: covers the cost of the
during the period of coverage if You have purchased the professional services of a licensed chiropodist, osteopath,
Annual Add-on. podiatrist or physiotherapist only if recommended as
Medically Necessary by the attending Physician. Charges
"You" and "Your" mean the same as Insured defined for the services of a licensed practitioner who is a Spouse
above. or is related to You are not covered. The benefit amount is
THE BENEFITS a maximum of $500.
The following are Covered Expenses provided they are 5. Emergency Dental Expenses: If You suffered an
incurred by an Insured as a result of a Medical Emergency. Injury to Your teeth as a result of an external accidental
blow to the mouth or face (chewing accidents are not
1. Hospital/Medical/Ambulance Expenses: covered), You will be reimbursed up to $5,000 per
(a) H ospital room and board, up to the semi-private Insured person for dental treatment to repair or replace
charge, services, supplies, intensive care unit and natural teeth or permanently attached artificial teeth.
coronary care unit expenses; Dental treatment must take place within 90 days of
(b) Physician's charges for medical and surgical care; the accidental blow to the mouth or face. If You need
treatment for relief of dental pain, a maximum of $500
(c) X-rays and other diagnostic tests when prescribed by will be allowed for such treatment. Dental treatment must
the attending Physician and approved in advance by take place before You return to Your Canadian province or
Medipac Assist; territory of principal residence.
(d) The cost of local licensed ambulance service to the 6. Return of Vehicle: If neither You nor anyone travelling
nearest medical facility able to provide appropriate with You is able to operate Your owned or rented vehicle
care; due to Sickness, Injury or death while travelling outside
(e) Drugs and medication which by law require a written Your province or territory of residence, this plan will
prescription and are dispensed by a pharmacist up to a reimburse a maximum of $5,000 for the return of the
maximum limit of a 30-day supply; vehicle.
(f) The cost or rental of casts, splints, trusses, braces, Eligible for reimbursement is the lesser of the cost of
crutches, rental of a wheelchair or other medical the return performed by a professional agency or the
appliances when prescribed by a Physician and following necessary and reasonable expenses incurred
approved in advance by Medipac Assist. by an individual returning the vehicle on Your behalf: fuel,
meals, overnight accommodation and one-way economy
2. Private Duty Nursing Expenses: covers the cost
airfare. To receive reimbursement, original receipts
of the professional services of a registered private
must be submitted. Any other expenses are not covered.
duty nurse for out-of-Hospital nursing care only if
Benefits will only be payable when pre-approved and/or
recommended as Medically Necessary by the attending
arranged by Medipac Assist and the vehicle is returned to
Physician. Charges for the services of a registered private
Your normal place of residence or the nearest appropriate
duty nurse who is a Spouse or is related to You are not
rental agency within 30 days of Your return to Canada.
covered. The maximum benefit amount is $7,500. This
Car rental costs while awaiting the return of Your vehicle
benefit must be approved in advance by Medipac Assist.
are not eligible expenses. A copy of vehicle ownership is
required.
Policy Page 4
32 www.medipac.com
Policy Text
7. Bringing a Relative to Your Bedside: covers the cost 13. Return of Deceased: covers the cost of preparation
of a round-trip economy class airfare, accommodations and transportation of a deceased Insured to the original
and out-of-pocket expenses to have one family member or departure point in Canada. This benefit includes the cost
a close friend visit You in Hospital. The benefit amount is of a standard transportation container (excludes cost of
up to $350 per day to a maximum of $2,000. This benefit a casket). The maximum benefit amount is $10,000. For
is payable in the event You are in Hospital for at least three cremation or burial of the deceased Insured at the place
(3) consecutive nights due to a Medical Emergency. The of death, the maximum benefit amount is $5,000. If it is
Company requires original receipts for the incurred costs. necessary to identify the deceased Insured before release
This benefit must be approved in advance by Medipac of the body, the benefit also covers the cost of a round-
Assist. trip, economy class airfare for one family member or close
8. Out-of-Pocket Expenses for Accompanying Family friend and their out-of-pocket expenses up to $350 per
Member: covers the cost of Reasonable Charges for day to a maximum of $2,000. The Company requires
commercial accommodation, meals, essential telephone original receipts for the incurred costs. This benefit must
calls and taxi expenses incurred by an accompanying be approved in advance by Medipac Assist.
family member in the event that You are Hospitalized on 14. Return to Destination: covers the cost of an
the scheduled return date to Canada, as indicated on the economy class airfare to return You and/or Your Insured
Application. The benefit amount is up to $350 per day to Spouse back to Your original Trip destination so You
a maximum of $2,000. The Company requires all original can continue Your Trip after Your medically approved
receipts for the expenses incurred. emergency evacuation back to Canada. This benefit is
9. Return of Spouse and Children: covers the cost of an available only if no further treatment is required and
economy class airfare to the departure point for the return Medipac Assist has approved Your return under Your
of Your Spouse and Children, if the Company requires that existing policy. To be valid, a policy endorsement is
You return to Canada for immediate Medical Treatment or required.
in the event of Your death. This benefit is payable up to NOTE: NOTWITHSTANDING THE OTHER PROVISIONS OF
a maximum of $2,500. This benefit must be approved in THIS POLICY, ANY MEDICAL TREATMENT, SERVICE OR
advance by Medipac Assist. SUPPLY THAT IS NOT SPECIFICALLY LISTED IN THE
10. Emergency Air Transportation: covers, as a result SECTION "THE BENEFITS" IS NOT COVERED BY THIS
of a Sickness or Injury: (a) the cost of a one-way, economy POLICY.
class airfare to Your departure point in Canada; or (b) the WHAT IS NOT COVERED
cost of additional airline seats to accommodate a stretcher
when recommended by the attending Physician. Any air PRE-EXISTING CONDITIONS
transportation must be arranged and approved in advance This insurance does not provide benefits for any Medical
by Medipac Assist. Emergency concerning, relating to, caused by or arising
11. Qualified Medical Attendant: covers the Reasonable from any of the following:
Charges for the services of a medical attendant. These 1. Any Pre-Existing Condition that has not been Stable
services must be on the recommendation of a Physician and Controlled in the 90 days immediately prior to
and must be approved in advance by Medipac Assist. the Effective Date of Insurance or Your Trip Start Date.
Charges for the services of a medical attendant who is a This includes any reaction that results from a change
Spouse or is related to You are not covered. in medication prescribed for such a condition.
12. Air Ambulance: covers the cost of air ambulance “Pre-Existing Condition” means any medical or

transportation, when medically required, between physical condition, symptom, illness or disease for
Hospitals. This benefit must be arranged and approved in which Medical Attention was received or for which an
advance by Medipac Assist. ordinarily prudent person would have sought Medical
Attention prior to the Effective Date of Insurance or
Your Trip Start Date.
Policy Page 5
1-888-MEDIPAC (1-888-633-4722) 33
Policy Text
“Stable and Controlled” means, during the 90 days 3. Any medical or physical condition, symptom, illness
immediately prior to the Effective Date of Insurance or or disease for which treatment and/or investigation(s)
Your Trip Start Date: was recommended but not received prior to Your
(a) the medical or physical condition, symptom, Effective Date of Insurance or Your Trip Start Date.
illness or disease did not first manifest itself; GENERAL EXCLUSIONS
and/or This insurance does not cover, provide services or pay
(b) the medical or physical condition, symptom, claims resulting directly or indirectly from:
illness or disease was not first investigated; and/or 4. War, whether declared or not, any act of civil war,
(c) the medical or physical condition, symptom, rebellion, insurrection or terrorism, participation in a
illness or disease has not worsened; and/or riot, civil commotion or demonstration or service in
(d) no change in any medication or its usage or the armed forces of any country.
dosage occurred, was prescribed and/or 5. Suicide, attempted suicide or self-inflicted Injury.
recommended by a Physician; and/or 6. (a) Normal pregnancy; (b) normal childbirth; or (c) any
(e) no Medical Attention was received, prescribed or complication, condition or symptom of pregnancy
recommended by a Physician. occurring within the last 18 weeks before the
“Medical Attention” means any medical, expected delivery date.
therapeutic or diagnostic procedure, service 7. Any child born during a Trip.
or supply that is prescribed, performed or 8. A Trip that is undertaken to secure treatment, general
recommended by a Physician, including but not health examinations or check-ups, or surgery as a
limited to prescribed medication, investigative testing purpose of the Trip.
and surgery. Medical Attention does not include either
the unchanged use of prescribed medication for a 9. Emotional, psychological or mental disease, disorder,
medical condition, symptom or problem which is condition or symptom.
Stable and Controlled; or a Routine Check-up. 10. Expenses for medical or surgical care which is
A change in medication does not apply to cholesterol primarily cosmetic, or for any treatment which is
lowering medication or to a change in any other experimental.
medication from a brand name medication to a 11. Any expenses incurred due to any medical or physical
generic brand medication (insofar as the dosage is symptom, illness or disease for which, prior to Your
not modified). If You are taking Coumadin (warfarin) Trip Start Date, Medical Attention or a change in
or insulin and are required to have Your blood levels medication has been recommended or scheduled for
tested on a regular basis and You are required to a date after Your Trip begins.
adjust the dosage of Your medication only to ensure 12. Expenses for which no charge would normally be
correct blood levels are maintained, such a change made in the absence of insurance.
is not considered to be a change in medication,
provided Your medical condition remains unchanged. 13.
E xpenses for rehabilitation, the continued
treatment, or complication of the medical condition
2. Any medical or physical condition, symptom, illness which caused the Medical Emergency, once You
or disease that, in the 12 months prior to Your are discharged from Hospital or once a Medical
Effective Date of Insurance or Your Trip Start Date, Emergency ends, as determined by the Company.
required: a) a total of three (3) or more Emergency
Room visits, Hospitalizations, Day Surgeries or
any combination of all three; and/or b) a single
Hospitalization for more than 48 consecutive hours.
Policy Page 6
34 www.medipac.com
Policy Text
14. Any expenses incurred after the date on which the 25. Any expenses incurred during a Trip under the Annual
Insured has declined an offer of repatriation and/or Add-on for which proof of departure has not been
medical evacuation. provided.
15. The commission or attempted commission of any 26. Any expenses which result directly or indirectly from
criminal act by You. scuba diving, mountaineering, rock or precipice
16. Any treatment, services or supplies not Medically climbing, hang gliding, paragliding, sport parachuting,
Necessary (as defined), or any medical procedures skydiving or bungee jumping.
and/or tests (including MRI, MRCP, CAT Scan, CT 27. A ny expenses which result directly or indirectly
Angiogram, Nuclear Stress Test, Angiogram or from participation in speed or endurance contests
Cardiac Catheterization) not authorized by Medipac and/or participation in athletic or sport activities for
Assist in advance. All surgery must be authorized by remuneration or prize money.
Medipac Assist prior to being performed except in 28. Any medical or physical condition, symptom, illness
extreme circumstances where surgery is performed or disease for which the results of any test(s) and/
on an emergency basis immediately upon admission or investigation(s) were not available prior to the
to a Hospital. Effective Date of Insurance or Your Trip Start Date.
17. Emergency medical relocation unless arranged and 29. Travel in a country or specific area for which, prior to
approved in advance by Medipac Assist. Your Effective Date of Insurance or Your Trip Start Date,
18. Any treatment, services or supplies provided by a Foreign Affairs, Trade and Development Canada has
home for the aged, a rest home, health spa, nursing issued a travel warning advising Canadian residents
home, convalescent hospital, hospice, palliative care not to travel to that country or specific area.
facility, a place for the care and treatment of drug
addicts or alcoholics, custodial or educational facility, GENERAL LIMITATIONS
or any rehabilitation facility. If Your health changes at any time between Your Date
19. Any Hospital/medical benefits if You are not covered of Application and Your Effective Date of Insurance, You
under the Government Health Insurance Plan of Your must contact Medipac at 1-888-633-4722 right away. A
Canadian province or territory of principal residence. reassessment for Your eligibility and rate qualification
is required. Failure to contact Medipac may result in
20. Any damage to or loss of: hearing aids, eyeglasses, claim denial, or payment of only a portion of the Covered
sunglasses, contact lenses, artificial teeth or artificial Expenses.
limbs and resulting prescription thereof.
Individuals Excluded from Coverage
21. Any expenses that result from abuse of medication,
including refusal to take prescribed medication, You cannot be covered by this policy, and all insurance
the abuse of drugs or alcohol, or refusal to accept coverage is null and void, and the liability of the Company
recommended medical treatment. will be limited to return of premium if:
22. Any expenses for regular treatment or regular care of 1. Coverage is not purchased for the entire duration of
a condition that existed prior to the Effective Date of Your Trip (unless otherwise expressly stated in this
Insurance or any expense in connection with general policy).
health examinations or regular check-ups. 2. Coverage is applied for while outside Canada (with
23. Any expenses directly or indirectly incurred due to HIV, the exception of post-departure applications for
AIDS or AIDS-related complex. extension of coverage).
24. A Heart, Lung, Liver, Kidney, Pancreatic or Bone 3. A ny material misrepresentation is made on the
Marrow Transplant. application or in connection with any claim for
benefits under this policy.
Policy Page 7
1-888-MEDIPAC (1-888-633-4722) 35
Policy Text
and/or if between Your Date of Application and Your 17.

You had taken or been prescribed Insulin or two (2)
Effective Date of Insurance: or more medications for Diabetes and medication for
4. You had been diagnosed as having a terminal illness, a Heart Condition. The term “medication” includes
been advised by a Physician not to travel or had HIV, Nitroglycerin in any form.
AIDS or AIDS-related complex. If You are under the age of 56 and travelling for less
5. You had been diagnosed with Pulmonary Fibrosis or than 41 days, items 4. to 17. above do not apply.
Interstitial Lung Disease. Misstatement
6. You had stem cell treatment or an organ or bone If You misstate Your response to any question in section A
marrow transplant (excluding cornea or skin graft). of the application, then this policy is null and void and Your
7.
You had been treated for, taken or been prescribed premium will be refunded.
medication for, or been diagnosed with Lung Cancer, If You misstate Your response in any other section of
Metastatic Cancer or two (2) or more cancers the application and, as a result, paid a lower premium
(excluding Basal Cell and Squamous Cell Skin Cancer). than required, this policy will cover only the proportion
8. You had a Cardiac condition with an ejection fraction of Covered Expenses that the premium paid bears to
of less than 40% or a ventricular function grade of 3 the required premium. You will be responsible for the
or 4. remaining portion of Covered Expenses.
9. You had Moderately Severe or Severe Cardiac Valve CHANGE IN DEPARTURE DATE
Stenosis. For the Single Trip Plan, if there is a change in Your Date
10.
You had an Aneurysm greater than 4.5 cm in of Departure, notice MUST be provided to Medipac from
size (diameter or width) which remains surgically within Canada prior to the Date of Departure shown in
untreated. Your application. If You have purchased the Annual Add-
11.
You underwent Chemotherapy for Cancer or on, You are not required to provide advance notice of Your
Malignant Tumour(s). Trip Start Date for every other Trip. However, evidence of
these dates will be required at the time of claim.
12.
You had Cardiac Pacemaker Implant surgery,
Coronary Bypass surgery or surgery on any artery. IS THERE ANYTHING ELSE I NEED TO KNOW?
13.
You had any other Heart surgery (including Ablation, Yes, the following are the general conditions that apply to
Cardiac Defibrillator Implant, Angioplasty and/ Your insurance under this policy:
or Stent), had a Heart Attack or an episode of A. This policy will reimburse You for Covered Expenses up
Congestive Heart Failure. to a maximum of $2,000,000 USD per Insured.
14.
You had a Stroke, a Transient Ischemic Attack (TIA) or B. The Company and its agents are not responsible for the
a Ministroke. availability, quality or results of any Medical Treatment
15.
You had any Chronic Lung Disease (including or transportation, or the failure of the Insured to obtain
Emphysema, Chronic Obstructive Pulmonary Disease Medical Treatment or proper Hospitalization.
[COPD], Chronic Bronchitis, Reactive Airway Disease C. The Company reserves the right to return You to
or Asthma) which caused You to be Hospitalized for Canada or to transfer You to one of our preferred health
more than 24 consecutive hours, or for which You care providers. Refusal to comply with the transfer
had taken or been prescribed Prednisone or Solu- or the return to Canada renders this policy void;
Medrol. i.e., Your insurance coverage under this policy ends.
16.
You had taken or been prescribed Home Oxygen for The Company has the right and You shall afford the
any reason. Company the opportunity to have You medically
examined by an independent medical professional.
Policy Page 8
36 www.medipac.com
Policy Text
D. There is no insurance coverage if the premium is not J. All benefit amounts under this policy are in United
received by Medipac due to an N.S.F. cheque or invalid States currency unless stated otherwise. If You have
credit card charge. paid a Covered Expense in a currency other than that
E. Every action or proceeding against an insurer for of United States or Canada, any reimbursements made
the recovery of insurance money payable under the will be in Canadian currency at the prevailing rate of
contract is absolutely barred unless commenced exchange on the date the service was provided. No
within the time set out in the Insurance Act, or other sum payable under this policy shall bear interest.
applicable legislation. K. T his insurance is supplementary health coverage;
F. In no event will a claim be accepted after one year from i.e., this policy covers expenses in excess of those
the date of occurrence. covered under Your Government Health Insurance Plan,
any Private or Provincial or Territorial Auto Insurance
G. Any fraud, attempted fraud, misrepresentation or non-
Plan or any other insurance. If You are retired and
disclosure of any material fact relating to this insurance
You have similar out-of-country/province extended
or to a claim under this policy renders this policy null
health benefits with a lifetime maximum coverage
and void. If You have misstated Your age, and such
of: (a) $100,000 CAD or less, the Company will not
misstatement results in Your paying premium which
co-ordinate payment with such coverage; or (b) over
is less than the required premium, this policy will
cover only the proportion of Covered Expenses that the
$100,000 CAD, the Company will co-ordinate payment
premium paid bears to the required premium. with such coverage in excess of $100,000 CAD.
H. If You incur Covered Expenses under this insurance L. For purposes of determining eligibility under the
due to the fault of a third party, the Company has a section “Individuals Excluded From Coverage” in the
legal claim against such “at fault” third party for all General Limitations of this policy or for determining the
benefits that the Company pays to You or for You validity of a claim, hospital records, pharmaceutical
under this policy. You must take all reasonable steps records and the medical records of Your attending
to protect and to advance the Company's claim Physician(s) (including Your regular Canadian
against such party at fault. This includes keeping the Physician(s)), will be obtained and reviewed by
Company informed about all legal proceedings against, the Company. Your claim cannot be processed and no
and settlement negotiations with, such party at fault, benefits will be payable under this policy without the
making a claim on behalf of the Company in any such required information.
legal proceedings and negotiations, and not settling T he Company has the right, and You shall afford
Your claim without first allowing the Company to start or the Company the opportunity, to have You medically
continue a lawsuit in Your name against such party at examined, when and as often as may reasonably be
fault for benefits that the Company has paid or will pay. required while benefits are being claimed or paid under
Any settlement must first be applied to any expenses this policy. In the event of death, the Company has the
that the Company has paid on Your behalf. right to request an autopsy if not prohibited by law.
I. When the Company has made Hospital or other M. Despite any other provision contained in the contract,
medical payments on Your behalf, You must sign an the contract is subject to the applicable statutory
Authorization Form included with this policy which conditions in the Insurance Act, as applicable in Your
authorizes and allows the Company to recover such province or territory of residence, respecting contracts
payments from Your other insurers and other health of accident and sickness insurance.
plans (including Your Government Health Insurance
Plan). You must assist the Company in obtaining such N. The right of any person to designate persons to whom
reimbursement. If an advance has been made for any or for whose benefit insurance money is payable is
expense that is not covered by this insurance policy, restricted.
You will be required to reimburse the Company.
Policy Page 9
1-888-MEDIPAC (1-888-633-4722) 37
Policy Text
WHAT HAPPENS TO MY INSURANCE COVERAGE IF For payment, please submit ONLY original itemized bills,
I AM HOSPITALIZED AND CANNOT RETURN ON MY the HCFA-Form 1500, UB-04 (with itemized statement)
SCHEDULED RETURN DATE? OR an original itemized doctor’s bill with:
This policy provides automatic extension of coverage at no • formal letterhead with full name and address
additional cost to You in each of the following situations: • tax I.D.
• procedure and diagnostic codes with dollar amounts
1. If You are in Hospital due to Injury or Sickness on • original doctor’s signature (stamped photocopied
Your scheduled return date, insurance coverage will signatures are not acceptable)
remain in force for the period of time You remain in
Hospital, plus a further period of 72 hours following Original bills must be provided for any eligible out-of-pocket
Your discharge from Hospital. expenses. Cash register receipts are not considered original
bills.
2. If Your return is delayed beyond Your scheduled
return date due to the delay of a common carrier in For Claim inquiries please phone the Medipac Assist Claims
which You are scheduled to travel; or, while travelling Department:
by automobile, You are involved in an accident or a Toll-free from the U.S.A. and Canada: 1-888-311-4761
mechanical breakdown, insurance coverage will be or from other locations: (416) 441-7073
extended until You return to Your point of departure
or for 72 hours after the date when the insurance POLICY EXTENSIONS
coverage would otherwise have terminated, whichever Extension of Coverage must be applied for and approved
occurs first. by Medipac at least 3 days prior to Your scheduled return
However, in any event, insurance coverage will not be date. In order to apply for an Extension of Coverage, You
extended more than twelve (12) consecutive months must be in good health and cannot have any medical
immediately after the date of Your Medical Emergency condition for which surgery or Hospitalization is anticipated.
which was the cause of Your delay beyond Your scheduled No extensions are available if a claim has been
return date. incurred. To apply for an extension of coverage, call
Medipac at 1-888-633-4722 toll-free from the U.S.
HOW DO I PRESENT MY CLAIM? or Canada or at (416) 441-7070 from other locations.
When You contact Medipac Assist at the time of Your A declaration of good health must be made before an extension
Medical Emergency, we will send You a Claim Kit within can be issued. Extensions are available in trip length units as
10 days, containing everything necessary to submit Your published. An Administration Fee per person, per extension,
claim, including instructions and forms. These forms applies.
must be returned to our office within 30 days of
the date of Your claim. Failure to provide the required Exclusion:
documents in a timely manner will reduce any amount This Policy Extension does not cover, provide services
payable under this policy. or pay claims for expenses resulting directly or indirectly
To adjudicate Your claim, the Company will require: from any Sickness or Injury that was first manifest, first
• a completed Claim and Authorization and Release diagnosed, or first treated after the Effective Date of
Form Insurance or Trip Start Date and prior to the date when
• o riginal invoices and/or receipts Your application to extend Your period of coverage under
• p ayment of Your Deductible Amount, if any this insurance was approved.
• p ayment of outstanding premium, if any
• complete Medical Records including final diagnosis
by the attending Physician
• Historical Medical Records
• a ny other relevant documentation
• if claiming under the Annual Add-on, proof of
Your departure date.
Policy Page 10
38 www.medipac.com
Policy Text
REFUND POLICY Signed for the Company by:

1. No refunds are available if a claim has been incurred.
2. The premium for the Annual Add-on cannot be
refunded once coverage begins.
3. All refund requests must be made in writing from
within Canada. Paul M. Field, CPA, CA
President and Chief Executive Officer
4. Premiums $50 or less will not be refunded.
A refund will be provided to an Insured in the Underwritten by
following situations: Old Republic Insurance Company of Canada.
In Quebec underwritten by Reliable Life Insurance Company.
FULL REFUND only if, prior to the Effective Date of Insurance:
Box 557, 100 King Street West, Hamilton, Ontario L8N 3K9
• the Insured or his/her Spouse is unable to travel due to
Sickness or Injury (a Physician’s statement is required); or
• the Insured is unable to travel due to a death in the immediate
family.
FULL REFUND less a $50 Administration Fee per person if
prior to the Effective Date of Insurance: IMPORTANT NOTICE – PLEASE READ CAREFULLY
• the policy is cancelled for any other reason. • Travel insurance is designed to cover losses arising
from sudden and unforeseeable circumstances. It is
• Cancellation of the Single Trip Plan will also terminate
important that you read and understand your policy
the Annual Add-on.
before you travel, as your coverage may be subject to
PARTIAL REFUND less a $20 Administration fee per person if: certain limitations or exclusions.
• the Insured returns to Canada at least 10 days prior to the • A pre-existing exclusion may apply to medical conditions
scheduled return date. and/or symptoms that existed prior to your trip. Check to
• A pro-rata refund will be calculated using the later of the see how this applies in your policy and how it relates to
postmarked date of the written request and the requested your departure date, date of purchase or effective date.
termination date. • In the event of an accident, injury or sickness, your
• If You have purchased the 23-day (or 33-day) Annual Add-on, prior medical history may be reviewed when a claim is
only the premium in excess of a minimum 22-24 day (or reported.
31-33 day) Single Trip Plan will be eligible for a refund. • If your policy provides travel assistance, you may be
• Your request MUST include a statement that no claims required to notify the designated assistance company
have been incurred. prior to treatment. Your policy may limit benefits should
you not contact the assistance company within a
All requests for refunds can be mailed to: specified time period.
Medipac Travel Insurance
180 Lesmill Road, Please read your policy carefully before you travel.
Toronto ON M3B 2T5
Policy Page 11
1-888-MEDIPAC (1-888-633-4722) 39
MedipacPLUS Endorsement (If purchased)
If purchased, this Endorsement forms part of Your policy and is subject to ALL of the terms and conditions,
including definitions, of Your Medipac Travel Emergency Medical Insurance Policy. MedipacPLUS is only in
effect while you are travelling out of province during the Medipac Period of Coverage for the policy under which
this endorsement was purchased.
CLAIM FORGIVENESS RELOCATION BENEFIT

If You are entitled to a Medipac Claim Free Discount The Relocation Benefit will reimburse the
for Your next policy purchase, and You add this Reasonable Charges for temporary accommoda-
Endorsement, the claim that causes You to exceed tions and transportation in the event a disaster
Your deductible is forgiven and not considered a claim caused by a hurricane, flood, forest fire, sinkhole
for the purpose of calculating Your Medipac Claim or earthquake causes Your Principal Dwelling to
Free Discount; any subsequent claims will not be for- become uninhabitable. This benefit is payable to a
given for this purpose. Your current discount will carry maximum of $2,500. The Company requires proof
forward for your next year's purchase. of residence, proof the disaster occurred and all
original receipts for the expenses incurred. This
MEDICAL EVACUATION BENEFIT benefit must be approved in advance by Medipac
The Medical Evacuation Benefit pays You $100 CAD Assist.
per day to a maximum of 10 days if Medipac Assist
returns You to Canada for medical reasons and RETURN TO CANADA BENEFIT
You are Hospitalized within 3 days of Your return. The Return to Canada Benefit covers the cost of
Hospitalization must be for consecutive days and a return economy class airfare to a maximum of
You must provide medical records of Your Canadian $2,000 to fly You from Your vacation destination to
Hospital stay when making a claim under this benefit. Canada and back to Your vacation destination. Any
flight outside Your Period of Coverage is not eligible
EXCESS LUGGAGE BENEFIT for reimbursement. In addition, this benefit covers
The Excess Luggage Benefit will reimburse up to $500 out-of-pocket expenses including ground trans-
in shipment expenses to return Your Excess Luggage portation and accommodations to a maximum of
to Canada if Medipac Assist returns You to Canada $350. This benefit is payable in the event a mem-
for Medical Treatment during Your Period of Coverage ber of Your Immediate Family, who is not travelling
if You are unable to return Your Excess Luggage by with You, dies after You leave Home; or a natural
any other means. The Company requires all original disaster causes Your Principal Residence to become
receipts for the expenses incurred. This benefit must uninhabitable after You leave Home (provided Your
be approved in advance by Medipac Assist. home insurance policy pays for the damage in part
or in full). The Company requires all original receipts
PET BENEFIT for the expenses incurred. This benefit must be ap-
The Pet Benefit will reimburse up to $750 in trans- proved in advance by Medipac Assist.
portation expenses to return Your pet(s) to Canada
if Medipac Assist returns You to Canada for Medical EXCLUSION FOR RETURN TO CANADA
Treatment during Your Period of Coverage; or ifYou BENEFIT
have an eligible claim under the Return to Canada No benefits are payable if:
benefit, the Company will reimburse You for boarding 1. The deceased Immediate Family member was
costs for Your pet(s) for 1 week up to a maximum of Hospitalized within 30 days prior to the Effective
$500 while You are in Canada. The Company requires Date of Insurance or Your Trip Start Date; OR
all original receipts for the expenses incurred. This
benefit must be approved in advance by Medipac
Assist.
40 www.medipac.com
MedipacPLUS Endorsement (If purchased)
2. A t the time You applied for coverage, a rea- 3. W

hile making a parachute jump for any purposes
sonable person would have expected that an other than to save Your life.
event payable under the Return To Canada
benefit would occur prior to Your scheduled Claims Procedures
return date. To make a claim under the Accidental Death Benefit,
written notice of the accident must be given to the
POLICY MAXIMUM Company within 30 days of the date of the accident
Policy Page 8 under “IS THERE ANYTHING ELSE and written proof must be submitted within 90 days
I NEED TO KNOW?” Point A. has been modified of the date of the accident. The Company provides the
as follows: necessary claim forms as well as instructions covering
A. This policy will reimburse You for Covered other requirements that may aid in a prompt handling
Expenses up to a maximum of $5,000,000 of the claim.
USD per Insured. If the Company does not receive the required notice
ACCIDENTAL DEATH BENEFIT and proof of loss, the claim may not be considered
Insured Risk after the 90 day period has expired, unless there is a
good reason for the delay. In no event is a claim consid-
You are covered for $5,000 CAD if You die as a
ered after one year from the date of the accident if the
result of an accident which occurred while You
Company was not notified and the necessary forms not
are outside Your province or territory of resi-
completed and submitted to the Company.
dence and while Your Medipac Travel Emergency
Medical Insurance policy is in force. Additional Definitions under MedipacPLUS
This benefit is payable to Your estate for the loss “Company”, under MedipacPLUS, refers to Old
of Your life resulting within 12 months from the Republic Insurance Company of Canada or Reliable
date of the accident described as an insured risk. Life Insurance Company.
This benefit will begin on Your Effective Date of “Home” means Your Canadian province or territory of
insurance and will remain in effect during the residence.
Period of Coverage as defined on page 1 of Your “Immediate Family” means Spouse, Mother, Father,
Medipac Travel Emergency Medical Insurance Mother-in-law, Father-in-law, Son, Daughter, Son-in-
policy. law, Daughter-in-law, Grandson or Granddaughter.
Brothers and Sisters are not included.
EXCLUSION FOR ACCIDENTAL DEATH
BENEFIT "Principal Dwelling" means the principal residence
The Company will not pay any claim under the located at the out-of-province address in which You
Accidental Death Benefit resulting directly or in- reside.
directly from: “Principal Residence” means the dwelling located
1. T raining, serving or taking part in any capacity at the Canadian address indicated in Your application
in armed forces (land, sea or air) or their oper- for the Medipac Travel Emergency Medical Insurance
ations in any country or international authority. Policy under which this Endorsement was purchased.
2. W
hile serving as a pilot or crew member of any
aircraft or while as a passenger in an aircraft
which is being used for a purpose other than
transportation.
1-888-MEDIPAC (1-888-633-4722) 41
Notice on Privacy
Privacy
Collecting personal information about You is essential to our ability to offer You high
quality insurance products and service. The information provided by You will be used
only for determining Your eligibility for coverage under the Policy, assessing insurance
risks, managing and adjudicating claims and negotiating or settling payments to third
parties. This information may also be shared with third parties, such as other insurance
companies, health organizations and government health insurance plans to adjudicate
and process any claim. In the event that we must share Your information with a
third party who conducts business outside of Canada, there is a possibility that this
information could be obtained by the government of the country in which the third party
conducts business. We take great care to keep Your personal information accurate,
confidential and secure.
Our privacy policy sets high standards for collecting, using, disclosing and storing
personal information. If You have any questions about our privacy policy, please contact
our privacy officer at 905-523-5587; by writing to : Privacy Officer, Old Republic
Insurance Company of Canada/Reliable Life Insurance Company, P.O. Box 557,
Hamilton, Ontario, L8N 3K9; or by email to privacy@oldrepublicgroup.com
Administration Fees
1. Change (first change at no charge)....................................... $20.00
2. NSF cheque......................................................................... $25.00
3. Rush Service (overnight courier)........................................... $25.00

Two-day courier................................................................... $15.00
4. Extension............................................................................. $10.00
5. Top-up.................................................................................... FREE
6. Cancellation for medical reasons............................................ FREE
7. Non-medical cancellation.................................................... $50.00
8. Partial refund....................................................................... $20.00
42 www.medipac.com
Short Term Rates
Short-Term Travel Medical Insurance

Medipac offers coverage for short-term travel at affordable rates, perfect for friends or family
who visit you at your winter destination.
You can also turn your short-trip plan into year-round protection with either our 23-day or our
33-day Annual Add-on.
If you are over age 55, complete the application to determine your rate category and find your
rate on pages 44 to 46.
If you are age 55 and under, there are no medical questions. Simply call Medipac to purchase or
apply online at www.medipac.com.
Family plans are available, provided that both you and your spouse are under the age of 56, all
of your children are at least 3 months old and under the age of 19 and all family members are
travelling together on the same trip (for the definition of children see policy page 2).
INDIVIDUAL RATES FOR APPLICANTS AGE 55 AND UNDER

$99 USD DEDUCTIBLE Zero Deductible add 10%
to $99 Deductible Rates 23-day 33-day
AGE TRIP LENGTH Add-on Add-on
1-3 4-6 7-9 10-12 13-15 16-18 19-21 22-24 25-27 28-30 31-33 34-36 37-40
TO 55 55 61 66 71 73 79 85 92 97 106 110 119 128 65 89
You must buy a minimum 22-24 day trip to purchase the 23-day Annual Add-on.
FAMILY RATES FOR APPLICANTS AGE 55 AND UNDER

$99 USD DEDUCTIBLE Zero Deductible add 10%
1-3 4-6 7-9 10-12 13-15 16-18 19-21 22-24 25-27 28-30 31-33 34-36 37-40
TO 55 110 122 132 142 146 158 170 184 194 212 220 238 256 130 178
Note: If you or your spouse is over the age of 55 or if any child is over the age of 18, you must
purchase a separate policy for that person and a family policy for everyone else.
Family plans cannot be extended beyond 40 days.
Call 1-888-633-4722 for more information or assistance

1-888-MEDIPAC (1-888-633-4722) 43
Short Term Rates for Individuals OVER Age 55
PREFERRED PLUS - $99 USD DEDUCTIBLE Zero Deductible add 10%

1-3 4-6 7-9 10-12 13-15 16-18 19-21 22-24 25-27 28-30 31-33 34-36 37-40
56-60 41 47 53 56 69 80 94 105 116 126 135 150 162 70 99
61-65 49 54 63 70 80 96 108 126 138 150 166 180 199 92 131
66-70 53 58 67 74 85 102 120 138 154 166 185 199 219 112 161
71-75 58 64 73 85 99 121 145 166 185 205 234 262 294 131 190
76-79 64 82 126 150 173 209 244 280 316 355 383 414 450 187 271
80-85 94 126 199 271 326 379 430 497 588 656 729 791 880 288 420
86+ 121 203 293 368 449 530 604 694 794 896 1,030 1,178 1,317 359 526
PREFERRED PLUS - $1,000 USD DEDUCTIBLE

23-day 33-day
1-3 4-6 7-9 10-12 13-15 16-18 19-21 22-24 25-27 28-30 31-33 34-36 37-40
56-60 37 41 48 51 62 75 88 99 111 122 131 145 154 68 89
61-65 43 50 56 61 74 89 104 115 130 140 157 170 186 81 116
66-70 47 54 62 70 80 95 110 125 143 160 173 185 205 95 137
71-75 51 60 67 81 94 116 141 162 180 196 219 245 274 110 158
76-79 56 74 113 142 164 190 223 252 291 328 353 379 415 165 241
80-85 81 111 175 236 288 334 379 461 520 565 644 699 783 251 369
86+ 98 173 245 316 379 454 519 596 692 772 853 1,011 1,130 312 462
PREFERRED PLUS - $5,000 USD DEDUCTIBLE

23-day 33-day
1-3 4-6 7-9 10-12 13-15 16-18 19-21 22-24 25-27 28-30 31-33 34-36 37-40
56-60 31 35 39 42 51 59 68 77 86 94 99 107 117 58 82
61-65 36 40 44 51 60 72 81 90 98 111 122 135 152 67 96
66-70 40 44 48 55 64 78 90 102 113 123 138 151 170 77 111
71-75 44 51 60 70 80 94 106 120 133 148 169 190 214 91 132
76-79 47 61 94 116 137 158 180 203 231 261 281 305 331 131 191
80-85 64 81 151 182 221 259 294 339 398 444 491 539 598 193 284
86+ 77 131 189 242 298 352 402 463 560 641 725 815 913 253 374
44 www.medipac.com
PREFERRED - $99 USD DEDUCTIBLE Zero Deductible add 10%

1-3 4-6 7-9 10-12 13-15 16-18 19-21 22-24 25-27 28-30 31-33 34-36 37-40
56-60 45 54 71 92 109 124 138 146 161 176 188 207 230 93 132
61-65 58 77 94 111 130 147 166 184 202 218 228 243 270 126 180
66-70 68 94 122 144 170 198 224 247 275 294 315 343 369 174 251
71-75 79 112 144 170 199 229 267 294 330 359 387 419 486 203 294
76-79 99 133 193 246 296 332 398 442 499 550 571 649 747 291 425
80-85 148 198 284 373 462 517 607 706 793 865 951 1,055 1,197 407 598
86+ 185 262 390 498 618 731 855 964 1,085 1,187 1,295 1,407 1,537 502 739
PREFERRED - $1,000 USD DEDUCTIBLE

23-day 33-day
1-3 4-6 7-9 10-12 13-15 16-18 19-21 22-24 25-27 28-30 31-33 34-36 37-40
56-60 40 50 62 76 89 110 129 138 151 165 176 193 213 75 107
61-65 50 64 85 104 121 138 159 175 193 205 220 233 247 110 157
66-70 63 77 112 134 155 174 208 232 258 275 287 321 346 142 204
71-75 72 91 129 157 187 209 252 275 309 330 360 392 419 164 238
76-79 92 122 179 225 273 306 368 406 462 507 527 599 647 230 336
80-85 108 171 267 343 423 477 567 642 724 792 879 974 1,049 332 488
86+ 164 241 359 458 571 664 790 875 999 1,096 1,188 1,300 1,415 437 647
PREFERRED - $5,000 USD DEDUCTIBLE

23-day 33-day
1-3 4-6 7-9 10-12 13-15 16-18 19-21 22-24 25-27 28-30 31-33 34-36 37-40
56-60 34 40 48 57 69 80 86 95 104 110 118 133 151 73 104
61-65 41 50 61 73 83 94 102 111 119 129 138 149 177 91 131
66-70 51 66 80 97 115 127 142 157 168 177 187 210 248 115 161
71-75 61 79 93 115 137 153 169 185 201 216 229 258 314 133 193
76-79 79 107 132 167 202 230 256 273 311 332 356 406 468 190 277
80-85 88 134 202 258 318 356 413 448 499 543 598 663 715 271 398
86+ 136 186 267 349 435 502 546 601 678 739 812 894 974 351 519
1-888-MEDIPAC (1-888-633-4722) 45
STANDARD - $99 USD DEDUCTIBLE Zero Deductible add 10%

1-3 4-6 7-9 10-12 13-15 16-18 19-21 22-24 25-27 28-30 31-33 34-36 37-40
56-60 60 71 86 110 149 173 194 219 241 276 307 330 368 149 212
61-65 75 91 117 158 184 206 246 256 305 327 351 391 427 183 262
66-70 84 108 165 201 246 274 333 367 415 453 499 523 563 231 333
71-75 94 126 196 245 298 331 389 453 515 562 628 685 727 317 460
76-79 111 160 251 328 391 454 530 616 702 783 873 974 1,074 480 701
80-85 160 256 399 530 640 730 874 1,017 1,157 1,290 1,457 1,616 1,761 676 994
86+ 253 395 665 852 1,076 1,218 1,446 1,699 1,917 2,049 2,192 2,353 2,562 999 1,472
STANDARD - $1,000 USD DEDUCTIBLE

23-day 33-day
1-3 4-6 7-9 10-12 13-15 16-18 19-21 22-24 25-27 28-30 31-33 34-36 37-40
56-60 56 66 80 99 128 145 168 188 210 243 271 290 323 134 190
61-65 70 85 110 136 164 179 199 223 259 288 308 344 376 163 233
66-70 76 98 143 174 213 240 291 322 365 402 439 459 484 198 285
71-75 84 116 171 214 274 298 343 398 453 495 552 604 674 274 394
76-79 99 150 219 287 345 410 474 532 618 690 769 867 952 416 607
80-85 141 193 350 450 519 629 732 865 1,010 1,139 1,286 1,427 1,555 584 858
86+ 221 347 585 758 948 1,076 1,221 1,446 1,655 1,848 1,974 2,086 2,230 887 1,313
STANDARD - $5,000 USD DEDUCTIBLE

23-day 33-day
1-3 4-6 7-9 10-12 13-15 16-18 19-21 22-24 25-27 28-30 31-33 34-36 37-40
56-60 49 58 73 88 108 126 140 151 164 185 205 223 245 103 146
61-65 57 78 99 115 136 149 161 174 197 218 237 261 304 132 189
66-70 69 89 114 147 183 203 234 244 279 306 333 352 398 162 233
71-75 76 104 144 181 223 251 291 309 346 379 423 462 510 223 323
76-79 90 140 185 244 293 342 384 414 468 528 591 667 743 331 483
80-85 130 190 275 356 424 483 574 680 786 878 992 1,096 1,198 460 676
86+ 194 268 460 598 751 878 1,019 1,162 1,305 1,429 1,538 1,656 1,799 699 1,035
46 www.medipac.com
Trip Days – Quick Calculator
AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL
1 1 1 32 1 62 1 93 1 123 1 154 1 185 1 213 1 244 1 274 1 305 1 335
2 2 2 33 2 63 2 94 2 124 2 155 2 186 2 214 2 245 2 275 2 306 2 336
3 3 3 34 3 64 3 95 3 125 3 156 3 187 3 215 3 246 3 276 3 307 3 337
4 4 4 35 4 65 4 96 4 126 4 157 4 188 4 216 4 247 4 277 4 308 4 338
5 5 5 36 5 66 5 97 5 127 5 158 5 189 5 217 5 248 5 278 5 309 5 339
6 6 6 37 6 67 6 98 6 128 6 159 6 190 6 218 6 249 6 279 6 310 6 340
7 7 7 38 7 68 7 99 7 129 7 160 7 191 7 219 7 250 7 280 7 311 7 341
8 8 8 39 8 69 8 100 8 130 8 161 8 192 8 220 8 251 8 281 8 312 8 342
9 9 9 40 9 70 9 101 9 131 9 162 9 193 9 221 9 252 9 282 9 313 9 343
10 10 10 41 10 71 10 102 10 132 10 163 10 194 10 222 10 253 10 283 10 314 10 344
11 11 11 42 11 72 11 103 11 133 11 164 11 195 11 223 11 254 11 284 11 315 11 345
12 12 12 43 12 73 12 104 12 134 12 165 12 196 12 224 12 255 12 285 12 316 12 346
13 13 13 44 13 74 13 105 13 135 13 166 13 197 13 225 13 256 13 286 13 317 13 347
14 14 14 45 14 75 14 106 14 136 14 167 14 198 14 226 14 257 14 287 14 318 14 348
15 15 15 46 15 76 15 107 15 137 15 168 15 199 15 227 15 258 15 288 15 319 15 349
16 16 16 47 16 77 16 108 16 138 16 169 16 200 16 228 16 259 16 289 16 320 16 350
17 17 17 48 17 78 17 109 17 139 17 170 17 201 17 229 17 260 17 290 17 321 17 351
18 18 18 49 18 79 18 110 18 140 18 171 18 202 18 230 18 261 18 291 18 322 18 352
19 19 19 50 19 80 19 111 19 141 19 172 19 203 19 231 19 262 19 292 19 323 19 353
20 20 20 51 20 81 20 112 20 142 20 173 20 204 20 232 20 263 20 293 20 324 20 354
21 21 21 52 21 82 21 113 21 143 21 174 21 205 21 233 21 264 21 294 21 325 21 355
22 22 22 53 22 83 22 114 22 144 22 175 22 206 22 234 22 265 22 295 22 326 22 356
23 23 23 54 23 84 23 115 23 145 23 176 23 207 23 235 23 266 23 296 23 327 23 357
24 24 24 55 24 85 24 116 24 146 24 177 24 208 24 236 24 267 24 297 24 328 24 358
25 25 25 56 25 86 25 117 25 147 25 178 25 209 25 237 25 268 25 298 25 329 25 359
26 26 26 57 26 87 26 118 26 148 26 179 26 210 26 238 26 269 26 299 26 330 26 360
27 27 27 58 27 88 27 119 27 149 27 180 27 211 27 239 27 270 27 300 27 331 27 361
28 28 28 59 28 89 28 120 28 150 28 181 28 212 28 240 28 271 28 301 28 332 28 362
29 29 29 60 29 90 29 121 29 151 29 182 29 241 29 272 29 302 29 333 29 363
30 30 30 61 30 91 30 122 30 152 30 183 30 242 30 273 30 303 30 334 30 364
31 31 31 92 31 153 31 184 31 243 31 304 31 365
TRIP DURATION CALCULATOR

Select the Red numbers beside your departure and return dates. Insert them
into the formula and complete the calculation. Statutory holidays shown in green.
EXAMPLE: (If you are leaving CALCULATE YOUR
October 15 and returning March 25) TRIP LENGTH:
Return Date # 237
minus Effective Date # - 76 -
subtotal 161
Add 1 + 1 + 1
Equals Trip Duration (days) 162
Select the 165-day package to
cover your entire trip.
1-888-MEDIPAC (1-888-633-4722) 47
Strength In Partnership
Quality
Value
Reliability
Financial Strength
… A Tradition of Excellence
Need Help? Just Call
1-888-MEDIPAC
1-888-633-4722
You can apply online at www.medipac.com
Rates subject to change

Medi Pac Guide

Transféré par

Informations du document

Copyright

Formats disponibles

Partager ce document

Partager ou intégrer le document

Options de partage

Avez-vous trouvé ce document utile ?

Ce contenu est-il inapproprié ?

Droits d'auteur :

Formats disponibles

Medi Pac Guide

Transféré par

Droits d'auteur :

Formats disponibles

2017-2018 MEDIPAC

Travel Insurance Guide

Save up to 18% Details on Page 9

Short Term Travel

New Client Incentives

Worldwide Emergency Assistance

Medipac and Canadian Snowbird Association are Registered Trademarks

Medipac Annual Plans

Pre-Existing Condition Coverage

Endorsed by the CSA and the Royal Canadian Legion

© Medipac International Inc. 2017

John Ross Quigley, CEO

Great Reasons to Buy. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2

"Coverage for out-of-country health care services is limited;

*See Pre-Existing Conditions starting on policy page 5

you should purchase supplementary [travel medical] insurance..."

• 33-day option now available NEW

v MedipacPLUS (see page 13)

Loyalty Credit – Save up to 8%

Claim-Free Discount – Save up to 10%

Combine the above discounts to save up to 18%.

NEW to Medipac? You can save up to 5%, too!

Discounts do not apply to Annual Add-on Rates and/or MedipacPLUS.

Why thousands of Superannuates choose Medipac...

FEDERAL SUPERANNUATE CREDITS

$1,000 34 71 93 130 156 259 389 544

Save time and money with Medipac’s Annual Add-on Options

Need Separate Annual Coverage?

EIGHT GREAT FEATURES!

If topping up another insurance policy, MedipacPLUS does not

For Applicants NOT Eligible for the Medipac Plan

Peace of mind is a phone call away

Some of your comments about our Medipac Program

41-50 $ 131 $ 181 $ 216 $ 240 $ 346 $ 531 $ 989 $ 1,499

ANNUAL ADD-ON RATES

For Short Term rates see page 43

41-50 $ 126 $ 164 $ 197 $ 224 $ 304 $ 472 $ 874 $ 1,285

ANNUAL ADD-ON RATES

For Short Term rates see page 43

41-50 $ 106 $ 130 $ 163 $ 190 $ 254 $ 385 $ 673 $ 1,041

ANNUAL ADD-ON RATES

For Short Term rates see page 43

41-50 $ 78 $ 117 $ 144 $ 166 $ 214 $ 351 $ 619 $ 892

ANNUAL ADD-ON RATES

41-50 $ 249 $ 298 $ 343 $ 530 $ 641 $ 914 $ 1,388 $ 1,910

ANNUAL ADD-ON RATES

For Short Term rates see page 43

41-50 $ 213 $ 258 $ 294 $ 419 $ 553 $ 778 $ 1,176 $ 1,655

ANNUAL ADD-ON RATES

For Short Term rates see page 43

41-50 $ 165 $ 199 $ 242 $ 341 $ 430 $ 614 $ 942 $ 1,339

ANNUAL ADD-ON RATES

For Short Term rates see page 43

41-50 $ 147 $ 175 $ 204 $ 295 $ 392 $ 562 $ 855 $ 1,189

ANNUAL ADD-ON RATES

41-50 $ 360 $ 399 $ 530 $ 674 $ 874 $ 1,271 $ 1,973 $ 2,860

ANNUAL ADD-ON RATES

For Short Term rates see page 43

41-50 $ 278 $ 380 $ 450 $ 530 $ 763 $ 1,110 $ 1,731 $ 2,419

ANNUAL ADD-ON RATES

For Short Term rates see page 43

41-50 $ 239 $ 327 $ 374 $ 464 $ 568 $ 865 $ 1,347 $ 2,010

ANNUAL ADD-ON RATES

For Short Term rates see page 43

and/or if between Your Date of Application and Your 17.

2. A t the time You applied for coverage, a rea- 3. W

3. Rush Service (overnight courier)........................................... $25.00

6. Cancellation for medical reasons............................................ FREE