GMS TravelStar

TravelStar Emergency Medical Single-Trip

Emergency medical up to $5,000,000 CAD

Emergency medical coverage up to $5,000,000 CAD. Deductible options of $0, $250, $1,000 or $5,000. A 15% smoking surcharge may apply.

TravelStar Emergency Medical Multi-Trip Annual

Emergency medical up to $5,000,000 CAD

Annual multi-trip emergency medical coverage up to $5,000,000 CAD, covering unlimited trips within a 12-month period up to a per-trip maximum.

TravelStar Trip Cancellation & Interruption

Emergency medical limit varies — confirm in the policy wording.

Trip cancellation and interruption coverage. Single-trip trip cancellation is not eligible if the trip is valued over $20,000/person (or over $12,000/person with a disqualifying condition).

Eligibility uses a fixed 12-month absolute disqualification list (heart/vascular, cancer, transplant, dialysis, lung, liver, kidney, ADL) rather than a stability-period test. Medical questionnaire (Section B) required at age 60+.

Same 12-month absolute disqualification eligibility model as single-trip. Not eligible if age 80 or older at time of application. Medical questionnaire required at age 60+.

Excludes losses from pre-existing conditions not stable for 180 days. Full stable-period definition and reference date for this product not included in the documents reviewed — flagged for human review.

GMS uses a 12-month absolute disqualification list rather than a stability-period test. A new diagnosis, treatment or medication change (other than a Coumadin/Warfarin dosage adjustment) in the last 12 months for certain listed conditions disqualifies eligibility. Confirm the full list in the medical questionnaire.

Same 12-month absolute disqualification model as the single-trip emergency medical product. A Coumadin/Warfarin dosage adjustment is permitted; other medication changes for listed conditions may disqualify eligibility. Confirm in the medical questionnaire.

Trip cancellation excludes losses arising from pre-existing conditions that were not stable for 180 days. The full stable-period definition and reference date were not included in the documents reviewed and require confirmation before relying on them.

Eligibility is assessed through a 12-month absolute disqualification list (not a stability period), including: awaiting tests/treatment for a heart condition; surgically untreated vascular aneurysm; diagnosed CHF; has an ICD; new diagnosis/treatment/medication change in the last 12 months for heart transplant, atrial flutter, atrial/ventricular fibrillation, peripheral vascular disease, stroke/TIA or blood clots; insulin-treated diabetes AND taking heart-condition medication (excluding cholesterol/BP meds); home oxygen or oral steroid for a lung condition; currently treated for cancer (excluding breast/prostate cancer treated only with hormone therapy); new diagnosis/treatment/medication change in the last 12 months for liver failure, AIDS, GI bleed or terminal illness; valve surgery/replacement, kidney dialysis or organ/stem-cell/bone-marrow transplant in the last 12 months; age 70+ requiring ADL assistance. This summary is drawn from the documents reviewed and is flagged for confirmation — confirm the current list in the official policy and medical questionnaire. A medical questionnaire (Section B) is required at age 60+.

Same 12-month absolute disqualification eligibility model as single-trip. Not eligible if age 80 or older at the time of application. A medical questionnaire is required at age 60+. Confirm the current eligibility list in the official policy.

Single-trip trip cancellation is not eligible if the trip is valued at more than $20,000 per person, or if valued at $12,000+ per person and the traveller meets any item on the same absolute disqualification list used for emergency medical eligibility. Confirm the current eligibility rules in the official policy.

Contact the GMS assistance line shown on your policy before seeking non-life-threatening care. Confirm the current number on your insurance card.

Contact the GMS assistance line shown on your policy before seeking non-life-threatening care.

Emergency assistance requirements apply to the emergency medical portion of a comprehensive package. Confirm the assistance number on your insurance card.