The following list includes items not covered by your Travel Emergency benefits as well as circumstances in which your Travel Emergency benefits would not be paid. Note: this list is not exhaustive.
Accommodation, living, parking and travel expenses (outside of what is listed under What’s Covered)
Additional costs for medical supplies purchased from providers inside and outside Canada (e.g. shipping, duty)—unless related to oxygen and supplies required for its use
All expenses incurred as a result of conduct that would constitute an indictable offence within Canada
Baggage and cancellation insurance
Coffin, in the event you or your dependant pass away
Interest charges on any item or service
Non-emergency prescription medication and hospital accommodations
Non-emergency services normally covered by your provincial health care plan (e.g. doctor visits, surgery) for dependants attending school outside of Canada
If expenses are fully covered under any other benefits you or your dependant may have; payment by all benefit providers cannot exceed 100 percent of the eligible expense
If expenses are due to:
Abuse of alcohol, medication, non-prescription drugs or toxic substances
Conducting or trying to conduct a criminal act under the legislation of the local region
Directly participating in a revolt, a declared or undeclared war or act of war, the hostile action of any country’s armed forces, hijacking or terrorism, a riot, civil commotion or any other act of aggression or service in the armed forces
Driving a motorized vehicle while impaired by drugs, toxic substances or a blood alcohol level of more than 0.08
If expenses are incurred in a country, region or city for which the Government of Canada has issued a formal travel advisory; the advisory must state that Canadians should avoid non-essential travel to that location and be issued prior to your departure date
Exception: if the incident is unrelated to the travel advisory, expenses are covered
If hospitalization or treatment occurs in a hospital other than a general active treatment hospital (e.g. chronic care hospital, convalescent hospital, nursing home or health spa)
If the medical travel advisor is not contacted within 24 hours of hospitalization
If travel is booked or started contrary to medical advice or if medical attention is anticipated during the travel period
If you or your dependant are medically able to be transferred to another hospital or returned home but refuse to comply with the transfer request, ASEBP is no longer responsible for any expenses, whether related to the initial incident or not
If you or your dependant travel to any area outside of your province or territory of residence primarily for hospitalization or services in connection with:
A “rest cure” or travel for health
Cosmetic procedures
Experimental or unconventional procedures
General medical exams for “check-up” purposes
Ongoing maintenance of an existing medical condition
Rehabilitation or ongoing care for alcohol, drug or any other substance abuse
Seeking medical advice or a second opinion
Surgery
Treatment, even if the trip is on the medical recommendation of a licensed health care provider, including any claim arising during the trip even if unrelated to the reason for travel
For example, if an individual travels outside Canada to access treatment for a heart condition and requires emergency medical treatment due to a car accident, no claims will be covered for the car accident
Pregnancy or childbirth complications, including treatment for the newborn, if the medical emergency occurs after 32 weeks of gestation
