Planning A Vacation or Holiday?

Emergency Medical Plan

Coverage For COPA Members Out Of Country & Province Emergency Medical Needs.
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Travel Insurance is one of the most important things on your list. Whether you’re going across the border, down south, overseas or to another province, your provincial health plan may cover only a small portion of medical expenses. Travel Insurance picks up where your government health plan leaves off.

 

When you purchase Travel Insurance from SSQ, you not only get emergency medical coverage, you also get the support you need in your own language – 24 hours a day, seven days a week.
Planning A Trip? Get Coverage!
We offer travel insurance programs for COPA members.

Emergency Medical Program

This program provides emergency medical coverage for out of province and out of country expenses. This is a program for Canadian Owners & Pilots Association (COPA) members and offers up to $1,000,000 in coverage per person. If you are a COPA member and looking for a plan that covers the needs of you and your family when you travel contact us, and apply today.

 

The emergency medical plan is designed with COPA members in mind. COPA Emergency Medical Travel Program is now extended up to age 79. Current travel plans available to the general public do not provide coverage while piloting an aircraft. Our plan covers emergency medical costs outside of your province of residence, this program includes coverage for the pilot and all dependant family members while you are piloting an aircraft in the event of an indiscriminate landing.

Who Is Insured

The COPA Member plan covers the emergency medical needs of COPA members and their families. People Who are covered in the emergency medical insurance plan include:
  • COPA Members: This plan provides insurance for people who are under the age of 78 (special plans for 80 and over available) and are members of the Canadian Owners and Pilot Association.
  • COPA Member Spouse: The COPA plan covers the spouse who is an individual under age of 70 to whom the member is legally married, or with whom the insured Person has continuously cohabitated in a conjugal relationship for a minimum of one year immediately before a loss is incurred under the policy.
  • COPA Member Child or Dependent: The COPA program covers Insured Dependent Child means a natural child, adopted child, stepchild or child who is in a part-child relationship with the Insured person. The child is unmarried, dependent upon the member for maintenance and support and a) under 21 years of age, or b) under 25 years of age (26 in the province of Quebec) and in attendance at an institution of higher learning on a full-time basis located in Canada, or c) by reason of mental or physical infirmity, are incapable of self-sustaining employment and are totally dependent upon the Member for support within the terms of the Income Tax Act.

Importance of Travel Insurance

Travel Insurance should be one of the most important things on travel your list. Whether you’re going across the border, down south, overseas or to another province, your health plan may only cover a small portion of expenses. Travel Insurance picks up where your government health plan leaves off. The Emergency Medical Travel (EMT) Program, has been exclusively designed for COPA and has been customized to meet the specific needs of the COPA memberships and their families.

Emergency Plan Coverage

The Emergency Medical plan for COPA members covers a number of expenses, providing in flight and vacation insurance. The plan coverage makes sure you and your insured dependents are covered while traveling outside your Province/Country or residence for a period not to exceed 45 days.
Coverage includes:
  • Sub-Limits: Pays up to $5,000 for the services of a registered graduate nurse; up to $300 for each class of practitioner for the services of chiropractor, osteopath, chiropodist or podiatrist, massage therapist, speech therapist and psychologist; up to $1,000 for the services of a physiotherapist; up to $1,000 for ground ambulance services; and up to $2,000 for accidental injury to whole and sound teeth (capped or crowned teeth are considered whole and sound teeth).
  • Evacuation Benefits: Pays up to $15,000 for 1) transportation by any conveyance (other than ground ambulance) from the place of accident, sickness or disease to the nearest hospital, medical facility or doctor’s clinic as recommended by attending physician and approved by Insurer, 2) transportation by any conveyance (other than ground ambulance) to the Insured person’s province of residence for further treatment or to recover, 3) transportation to the Insured person’s province of residence in the event of confinement in hospital preventing the return to such province with the original return transportation that is non-changeable and non-refundable, and 4) up to $2,000 for return transportation, accommodation and board actually incurred by a medical attendant or ONE immediate family member to accompany the Insured person.
  • Repatriation Benefits: Pays up to $5,000 for actual expenses incurred for preparing the deceased for burial or cremation and shipment of the body to the Insured Person’s province or residence provided loss of life is outside such province and residence and occurred within 365 days of the date of the accident.
  • Transportation & Accommodation Benefits: Pays up to $5,000 to ONE immediate family member or traveling companion for transportation, lodging, and board if an Insured person dies or is being confined for at least 4 days at a hospital located outside his province of residence.
  • Return of Vehicle Benefits: Pays up to $500 for the return to the province of residence or car rental agency of the vehicle used for the trip if due to injury, sickness or disease an Insured Person becomes totally disabled and unable to continue their trip.
  • Hotel Convalescence Benefits: Pays up to $1,000 of due to injury, sickness or disease, the attending Physician certifies in writing that the Insured person, due to his medical condition, is prohibited from resuming any travel following discharge from the hospital where the Insured Person was confined for a period of not less than seven (7) days, the Insurer will pay the reasonable and necessary expenses actually incurred for board and Accommodation.
  • Emergency Medical Assistance: Worldwide emergency medical assistance. In event of injury, sickness or disease, the medical assistance provider must be notified within 48 hours from time of the accident.
  • Stability & Pre-Existing Conditions:
    • Clients up to age 65-pre-existing medical conditions are covered
    • Clients 66 – 69 – 3-month pre-existing stability condition clause
    • Clients 70 – 74 – 6-month pre-existing stability condition clause
    • Clients 75 – 79 – 12 month pre-existing stability condition clause
SSQ Assurance provides traveling member’s worldwide emergency assistance services 24 hours per day, 7 days a week. Contact Puhl Employee Benefits Inc. for more information about the policy and coverage.
Planning A Trip? Get Coverage!
We offer travel insurance programs for COPA members.

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