Emergency travel assistance for active staff (incl. business travel & sabbatical leave)

This section provides information for active staff regarding benefits coverage while travelling outside one's province of residence, including business travel or sabbatical leave. Please select the section below that corresponds to your specific situation.

IN AN EMERGENCY

If you require emergency medical services while travelling outside your province of residence, contact Allianz Global Assistance (Manulife's emergency travel assistance service provider) as soon as possible. To do this:

  • Contact Allianz Global via one of the numbers on your benefits card. If you do not have a card, consult Manulife's Emergency Travel Assistance website for a list of emergency numbers.
  • Quote your Plan ID number (5320), as well as your Manulife Plan Contract Number (85210).

Emergency Travel Assistance Plan ID number

Active employees who are Quebec residents: 5320.

Active employees who are temporary residents: 5690


Personalized benefit/travel card

You can print a personalized benefit card/travel card directly from Manulife's Plan Member Secure Site.  Select Login/Register.  If you are not already registered, click on "Registration" and follow the instructions.


Travel (excluding business travel and sabbatical leave)

As a member of the McGill Supplemental Health Plan, while you and your eligible dependents are travelling outside your province of residence, the Emergency Travel Assistance benefit provides you and your eligible dependents coverage for emergency medical services required due to a sudden illness or accident provided your provincial health care coverage is in force.

Coverage is limited to trips of a maximum 90-day duration and is subject to the Health Plan's Emergency Travel Assistance benefit's lifetime maximum of $5,000,000 per person.  Note that eligible dependent children studying outside their province of residence are covered for periods of 90 days maximum duration.

It is important that you understand, prior to your departure, the coverage details and limitations of your health insurance plans while you are away. This pertains to both the McGill Supplemental Health Plan Emergency Travel Assistance benefit and the Quebec Health Insurance Plan (RAMQ).

Make sure you are covered!  Check RAMQ Travel Restrictions and the important McGill Supplemental Health Plan details below before you travel.

(Note: This plan does not include cancellation insurance or coverage for lost luggage.)

Claiming expenses

If you contact Allianz Global Assistance - immediately or as soon as possible - when medical services are incurred, Allianz Global Assistance will assume responsibility on your behalf for obtaining reimbursement of eligible medical expenses from your provincial health care plan and from Manulife.

If you do not contact Allianz Global Allianz, you pay the service provider for the emergency medical services up front, or for expenses of $200 or less

Make sure to obtain a fully itemized bill for any in-hospital expenses or treatment, and keep all receipts. You will need to submit a claim for the expenses incurred. To claim expenses when you get home you will need to:

  1. Submit a claim for reimbursement to the Régie de l'assurance-maladie de Québec. For more information, go to Reimbursement of cost of services received during the stay.
  2. Once you receive reimbursement from the Régie, submit a claim to Manulife for the unpaid balance. Include copies of all receipts and the statement from the Régie.

Coverage

  • Expenses for emergency medical care required as a result of a sudden illness or accident are covered while you and/or your eligible dependents are travelling outside your province of residence.
  • Coverage is limited to trips of a maximum 90 days duration.  In order to be considered a new trip, you must have returned to your province of residence for a minimum of 24 hours.
  • A medical emergency no longer exits when, in the opinion of the attending physician and supporting medical evidence, the insured person is able to return to their province of residence.

Coverage limitations

  • Coverage is for emergency medical services only.  Expenses incurred for ongoing treatment/tests/doctor visits and follow-up for an existing medical condition are not covered.
  • Routine medical tests or doctor visits are not covered.
  • Coverage is limited to trips of a maximum 90 days duration. In order to be considered a new trip, you must have returned to your province of residence for a minimum of 24 hours.
  • Coverage maximum is $5,000,000 per lifetime (lifetime maximum includes emergency travel both as an active employee and as a retiree).
  • Pregnancy: Coverage is available for medical emergencies related to pregnancy as long as travel (including sabbatical leave) occurs before the beginning of the 32nd week of pregnancy.
  • If your coverage under the Quebec Provincial Health Insurance Plan does not continue while you are away, your coverage under the McGill Supplemental Health plan for emergency out-of-province medical services will terminate for the entire duration of your absence.

Services covered

The plan covers 100% of the following services provided they are ordered by a doctor (or dentist where applicable) and provided part of the charge is payable under the provincial health plan in the province of residence:

Medical Services and Hospitalization

  • emergency hospital expenses incurred during the first 90 days of a trip outside of Canada, but not lasting beyond 14 days, unless the attending doctor (M.D.) certifies that the covered person should not be moved back to his/her home province.
  • charges in accordance with the average rate for semi-private hospital accommodations in the locality where the facilities and services are provided. This includes any admittance, coinsurance or utilization charges where permitted by law.
  • hospital services and supplies.
  • diagnosis and treatment of a licensed physician (reasonable and customary charge according to locality).
  • hospital out-patient services.
  • X-rays and laboratory tests.
  • medication.

Transportation and Related Services

  • emergency transportation to the nearest appropriate medical care facility, and if necessary, from the medical care facility to a hospital in Canada (province of residence).
  • charges incurred for the return of a deceased Member or dependent.
  • charges incurred for the return of dependent children under 16 to their residence in Canada in the event the Member or Member's spouse is hospitalized and the children are left unattended.
  • charges incurred if the return trip is delayed due to hospitalization.
  • charges incurred for transportation of an immediate family member to visit a hospitalized individual.
  • charges incurred in connection with the return of a vehicle (does not include commercial vehicles or rented cars) in the event the Member is unable to return it due to illness, injury or death.

Services not covered

  • charges which are not incurred as a result of an emergency while travelling.
  • expenses incurred for ongoing treatment/tests/doctor visits and follow-up for an existing medical condition, or routine medical tests/doctor visits.
  • Pregnancy: Routine doctor visits and tests; and any medical emergency related to a pregnancy for insured persons who are pregnant and travelling (or on sabbatical leave) after the beginning of the 32nd week of pregnancy.
  • Childbirth: charges in connection with childbirth, and medical complications resulting from childbirth when delivery takes place after the beginning of the 32nd week of pregnancy.
  • Services incurred while the insured does not have provincial health care insurance.

For further information consult, Manulife's Emergency Travel Assistance website.


Business travel (excluding sabbatical leave)

As a member of the McGill Supplemental Health Plan, the Emergency Travel Assistance benefit provides you with coverage for emergency medical services, required due to a sudden illness or accident, while you are travelling outside Quebec on University business (excluding sabbatical leave) - provided your provincial coverage is in force.  Coverage is limited to trips of 90-days duration, and is subject to the Health Plan's Emergency Travel Assistance benefit's lifetime maximum of $5,000,000 per person.

It is important that you inform AIG of your travel before you leave. Please see "Before you travel" below.

It is important that you understand, prior to your departure, the coverage details and limitations of your health insurance plans while you are away. This pertains to both the McGill Supplemental Health Plan Emergency Travel Assistance benefit and the Quebec Health Insurance Plan (RAMQ).

Make sure you are covered!  Check RAMQ Travel Restrictions and the important McGill Supplemental Health Plan details below before you travel.

(Note: This plan does not include cancellation insurance or coverage for lost luggage.)

Before you travel (Employee Business Travel Form)

AIG requires information pertaining to the travel arrangements of each staff member.

Therefore, before you travel, you must register your travel information using the on-line Employee Business Travel form. If you are not already logged in, you will be required to login for access.

If you require emergency medical services while travelling on business outside your province of residence, contact Allianz Global Assistance (Manulife's emergency out of country service provider) immediately or as soon as possible following a medical emergency:

Allianz Global Assistance is also the first point of contact if emergency medical services are a direct result of war, insurrection and terrorism.

Claiming expenses

If you contact Allianz Global Assistance - immediately or as soon as possible - when medical services are incurred, Allianz Global Assistance will assume responsibility on your behalf for obtaining reimbursement of eligible medical expenses from your provincial health care plan and from Manulife.

If emergency medical expenses are incurred as a direct result of war, insurrection and terrorism, Allianz and Manulife will contact AIG about claiming expenses.

If you do not contact Allianz Global Allianz, you pay the service provider for the emergency medical services up front, or for expenses of $200 or less:

Make sure to obtain a fully itemized bill for any in-hospital expenses or treatment, and keep all receipts. You will need to submit a claim for the expenses incurred.

When you get home you will need to submit a claim for reimbursement first to the Régie de l'assurance-maladie de Québec.

Coverage

  • Coverage under the Emergency Travel Assistance benefit (including both vacation and business travel) is subject to a lifetime maximum of $5,000,000 per person.
  • Expenses incurred for ongoing treatment/tests/doctor visits and follow-up for an existing medical condition, or routine medical tests/doctor visits are not covered by this benefit.
  • Pregnancy: Coverage is available for medical emergencies related to pregnancy as long as travel (including sabbatical leave) is completed at least 4 weeks prior to the due date. Routine doctor visits and tests are not covered.  No coverage is provided for any medical emergency related to a pregnancy (including childbirth) for insured persons who are pregnant and travelling (or on sabbatical leave) within 4 weeks of the due date.
  • Coverage continues provided your provincial health care insurance is in effect. See important sections below for Temporary Residents and Permanent Residents.
  • A medical emergency no longer exits when, in the opinion of the attending physician and supporting medical evidence, the insured person is able to return to their province of residence

Services covered

The plan covers 100% of the following services provided they are ordered by a doctor (or dentist where applicable) and provided part of the charge is payable under the provincial health plan in the province of residence:

Medical and Hospital Services

  • emergency hospital expenses incurred during the first 90 days of a trip outside of Canada, but not lasting beyond 14 days, unless the attending doctor (M.D.) certifies that the covered person should not be moved back to his/her home province
  • charges in accordance with the average rate for semi-private hospital accommodations in the locality where the facilities and services are provided. This includes any admittance, coinsurance or utilization charges where permitted by law
  • hospital services and supplies
  • diagnosis and treatment of a licensed physician (reasonable and customary charge according to locality)
  • hospital out-patient services
  • X-rays and laboratory tests
  • medication

Transportation and Related Services

  • emergency transportation to the nearest appropriate medical care facility, and if necessary, from the medical care facility to a hospital in Canada (province of residence)
  • charges incurred for the return of a deceased Member or dependent
  • charges incurred for the return of dependent children under 16 to their residence in Canada in the event the Member or Member's spouse is hospitalized and the children are left unattended
  • charges incurred if the return trip is delayed due to hospitalization
  • charges incurred for transportation of an immediate family member to visit a hospitalized individual
  • charges incurred in connection with the return of a vehicle (does not include commercial vehicles or rented cars) in the event the Member is unable to return it due to illness, injury or death
  • charges incurred for accommodation and meals while staying with a hospitalized covered family member when their trip is delayed due to an illness or an accident
  • charges incurred for accommodation for the Member or the Member's dependents requiring convalescence following hospitalization

Services not covered

  • charges which are not incurred as a result of an emergency while travelling
  • expenses incurred for ongoing treatment/tests/doctor visits and follow-up for an existing medical condition, or routine medical tests/doctor visits
  • Pregnancy: Routine doctor visits and tests; and any medical emergency related to a pregnancy for insured persons who are pregnant and travelling (or on sabbatical leave) after the beginning of the 32nd week of pregnancy
  • Childbirth: charges in connection with childbirth, and medical complications resulting from childbirth when delivery takes place after the beginning of the 32nd week of pregnancy
  • services incurred while the insured does not have provincial health care insurance

For further information, please consult Manulife's Emergency Travel Assistance website.

In addition to the regular emergency travel assistance benefit, staff members travelling on university business are also covered for emergency medical expenses incurred as a direct result of war, insurrection and terrorism.

This coverage is provided by the AIG Insurance Company of Canada (1-800-361-7211)

This coverage is in addition to and supplements Manulife's regular Emergency Travel Assistance benefit.


Sabbatical leave

As a member of the McGill Supplemental Health Plan, while you are on sabbatical leave and are travelling outside your province of residence, the Emergency Travel Assistance benefit provides you and your eligible dependents coverage for medical services required due to a sudden and unforeseen medical emergency provided your provincial health care coverage is in force. The usual 90 day coverage limitation does not apply.  Coverage is subject to the Health Plan's Emergency Travel Assistance benefit's lifetime maximum of $5,000,000 per person.

It is important that you understand, prior to your departure, the coverage details and limitations of your health insurance plans while you are away. This pertains to both the McGill Supplemental Health Plan Emergency Travel Assistance benefit and the Quebec Health Insurance Plan (RAMQ).

Make sure you are covered!  Check RAMQ Travel Restrictions and the important McGill Supplemental Health Plan details below before you travel.

(Note: This plan does not include cancellation insurance or coverage for lost luggage.)

What is a medical emergency?

While on sabbatical leave, a Medical Emergency occurs when an insured person requires immediate medical attention due to or related to:

  • A sudden, unforeseen and unexpected injury, or a new medical condition which begins while an insured person is travelling outside their province of residence.
  • A previously identified medical condition that was medically stable at the time of departure from the insured person's province of residence.
  • A medical emergency no longer exits when, in the opinion of the attending physician and supporting medical evidence, the insured person is able to return to their province of residence.

While I am on sabbatical leave, what does 'medically stable' mean?

As defined by Manulife Financial, for a medical condition to be considered medically stable under the McGill Health Plan, during the 90-days leading up to your departure, faculty members and/or their eligible dependants must not have:

  • Been treated or tested for any new symptoms or conditions;
  • Had an increase or worsening of any existing symptoms;
  • Changed treatments or medications (other than normal adjustments for ongoing care);
  • Been admitted to the hospital for treatment of the condition.
  • In addition, coverage for travel medical emergencies is not available if, prior to departure, you or your dependants have scheduled non-routine appointments, tests or treatments for an existing medical condition or another undiagnosed condition to be done after your return.

For important information, please refer to Manulife's Travel Bulletin.

In addition to the regular emergency travel assistance benefit, staff members travelling on university business are also covered for emergency medical expenses incurred as a direct result of war, insurrection and terrorism.

This coverage is provided by the AIG Insurance Company of Canada (1-800-361-7211)

This coverage is in addition to and supplements Manulife's regular Emergency Travel Assistance benefit.

Employee Business Travel Form

AIG requires information pertaining to the travel arrangements of each staff member.

Therefore, before you travel, you must register your travel information using the on-line Employee Business Travel form. If you are not already logged in, you will be required to login for access.

If you require emergency medical services while travelling on business outside your province of residence, contact Allianz Global Assistance (Manulife's emergency out of country service provider) immediately or as soon as possible following a medical emergency.

Allianz Global Assistance is also the first point of contact if emergency medical services are a direct result of war, insurrection and terrorism.

Claiming expenses

If you contact Allianz Global Assistance - immediately or as soon as possible - when medical services are incurred, Allianz Global Assistance will assume responsibility on your behalf for obtaining reimbursement of eligible medical expenses from your provincial health care plan and from Manulife.

If you do not contact Allianz Global Allianz, you pay the service provider for the emergency medical services up front, or for expenses of $200 or less, make sure to obtain a fully itemized bill for any in-hospital expenses or treatment, and keep all receipts. You will need to submit a claim for the expenses incurred. To claim expenses when you get home you will need to:

  1. Submit a claim for reimbursement to the Régie de l'assurance-maladie de Québec. For more information, go to Reimbursement of cost of services received during the stay.
  2. Once you receive reimbursement from the Régie, submit a claim to Manulife for the unpaid balance. Include copies of all receipts and the statement from the Régie.

Coverage

  • Expenses for emergency medical care required as a result of a sudden illness or accident are covered while you and/or your eligible dependents are travelling outside your province of residence.
  • A medical emergency no longer exists when, in the opinion of the attending physician and supporting medical evidence, the insured person is able to return to their province of residence.

Coverage limitations

  • Coverage is for emergency medical services only.  Expenses incurred for ongoing treatment/tests/doctor visits and follow-up for an existing medical condition are not covered.
  • Routine medical tests or doctor visits are not covered.
  • Coverage maximum is $5,000,000 per lifetime (lifetime maximum includes emergency travel both as an active employee and as a retiree).
  • If your coverage under the Quebec provincial health insurance plan does not continue while you are away, your coverage under the McGill Supplemental Health plan for emergency out-of-province medical services will not continue for the entire duration of your absence.
  • Pregnancy: Coverage is available for medical emergencies related to pregnancy as long as travel (including sabbatical leave) occurs before the beginning of the 32nd week of pregnancy.
  • Coverage is not limited to the usual 90-day trip limitation.

Services covered

The plan covers 100% of the following services provided they are ordered by a doctor (or dentist where applicable) and provided part of the charge is payable under the provincial health plan in the province of residence:

Medical Services and Hospitalization

  • emergency hospital expenses incurred during the first 90 days of a trip outside of Canada, but not lasting beyond 14 days, unless the attending doctor (M.D.) certifies that the covered person should not be moved back to his/her home province.
  • charges in accordance with the average rate for semi-private hospital accommodations in the locality where the facilities and services are provided. This includes any admittance, coinsurance or utilization charges where permitted by law.
  • hospital services and supplies.
  • diagnosis and treatment of a licensed physician (reasonable and customary charge according to locality).
  • hospital out-patient services.
  • X-rays and laboratory tests.
  • medication.

Transportation and Related Services

  • emergency transportation to the nearest appropriate medical care facility, and if necessary, from the medical care facility to a hospital in Canada (province of residence).
  • charges incurred for the return of a deceased Member or dependent.
  • charges incurred for the return of dependent children under 16 to their residence in Canada in the event the Member or Member's spouse is hospitalized and the children are left unattended.
  • charges incurred if the return trip is delayed due to hospitalization.
  • charges incurred for transportation of an immediate family member to visit a hospitalized individual.
  • charges incurred in connection with the return of a vehicle (does not include commercial vehicles or rented cars) in the event the Member is unable to return it due to illness, injury or death.

Services not covered

  • charges which are not incurred as a result of an emergency while travelling.
  • expenses incurred for ongoing treatment/tests/doctor visits and follow-up for an existing medical condition, or routine medical tests/doctor visits.
  • Pregnancy: Routine doctor visits and tests; and any medical emergency related to a pregnancy for insured persons who are pregnant and travelling (or on sabbatical leave) after the beginning of the 32nd week of pregnancy.
  • Childbirth: charges in connection with childbirth, and medical complications resulting from childbirth when delivery takes place after the beginning of the 32nd week of pregnancy.
  • Services incurred while the insured does not have provincial health care insurance.

For further information consult, Manulife's Emergency Travel Assistance website.