INSURANCE OPTIONS
INSURANCE: Although not mandatory, it is highly recommended. Trip cancellation insurance protects the investment you’ve made in your trip from the time you pay until you’ve actually departed, a period during which your payment is non-refundable. Travel medical insurance pays for emergency services while you are away from home and provides much needed emergency medical assistance while out of the province. Upon purchasing Manulife insurance, WITHIN 10 days if it does not meet your needs, a full refund of the insurance costs will be refunded, no questions asked – NO RISK.
** IF YOU ARE UNDER 75 Manulife has the Premium Protection Plan. It covers more and has less restrictions. It MUST be purchased within 72 hours of your FIRST PAYMENT/DEPOSIT.
You won’t be eligible to purchase insurance if you answer YES to any of the 5 following questions: 1) Have you been advised by a physician not to travel at this time? 2) Have you been diagnosed with a terminal illness or metastatic cancer? 3) Do you require kidney dialysis? 4) In the last 12 months, have you used or been prescribed home oxygen? 5) Have you had a bone marrow, stem cell or organ transplant (excluding cornea)?
OPTION #1 For the all-inclusive plan (medical, cancellation & trip interruption – no questionnaire required) As the most comprehensive plan, you pay a bit more not to answer questions other than the 5 listed above. OPTION #2 If you want to see if your health qualifies you for a lower rate for the medical coverage, we can provide a questionnaire for you to complete and call us with your score, either A, B, or C
For the second set of questions, if you answered YES to ANY of Question 1 through 5 in Step 1, you may apply for Individual Medical Underwriting for a Single Trip Emergency Medical Plan that covers your pre-existing conditions by calling Manulife at 1-877-882-2953, toll free from Canada and the USA. They will ask for your travel agent, that is us FIELDS TRIPS and our agent # is MO 00307
OPTION #3 If you opt to go with the above medical plan, and still require Cancellation and Trip Interruption, we can easily provide a quote.
Please advise if Out of Province Medical or Cancellation insurance is needed along with your score (if required) and preference for coverage and we can take care of booking this with Manulife.
To purchase Manulife coverage you must be a resident of Ontario and covered by a government insurance plan.
**I understand that by not purchasing travel insurance as offered to me, I may be exposed to financial losses, including but not limited to:
- the cost of my trip if I must cancel
- the unknown costs of trip interruption and travel delay,
- additional single supplement cost if I choose to still travel if my travelling companion cancels,
- out of province medical care expenses.
I will not hold FIELDS TRIPS responsible for any expenses I incur as a result of my choice NOT TO purchase travel insurance.
ONTARIO ONLY PEACE OF MIND
Fields Trips now offers “Ontario Only Peace of Mind Protection.” It is NOT INSURANCE (nor medical nor trip interruption), but rather a cancel for any reason protection. With more tours staying overnight in Ontario, the need for out of province medical insurance has been reduced and we wanted to offer travelers’ protection if they have to cancel. Neither age nor pre-existing conditions alter the price.
Step 1 Purchase our Ontario Only Peace of Mind Protection
Step 2 Have Peace of Mind that you can cancel for any reason up to 72 hours/3 days prior to your trip and receive a full refund (less the cost of the protection)
The cost of our protection is based on the length of stay. 2 Days $100, 3 Days $125, 4 Days $150