COVID-19

Read our FAQs and discover resources available to faculty and staff.

Emergency travel assistance

University related business travel (including sabbatical leave)

Prior to arranging domestic or international university travel, please refer to the University Guidelines or directives on travel

As a member of the McGill Supplemental Health Plan, the Emergency Travel Assistance benefit provides you and your eligible dependents (provided your provincial health care coverage is in force) coverage for emergency medical services required due to a sudden, unforeseen injury or new medical condition, a specific medical problem or chronic condition that was diagnosed but medically stable prior to departure.

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.

What is a medical emergency?

While on University related business, or 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 the insured person is able, in the opinion of the attending physician and supporting medical evidence, to return to their province of residence.

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 dependents 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 dependents have scheduled non-routine appointments, tests or treatments for an existing medical condition or another undiagnosed condition to be done after your return.

University business travel registration form

Our provider AIG requires information pertaining to travel arrangements of each staff member travelling for business. Before you travel for university-related business, you must register your travel information using the University Business Travel Registration Form for Faculty & Staff. (If you are not already logged in, you will be prompted to login for access.)

If you require emergency medical services while travelling on business outside your province of residence, contact Allianz Global Assistance 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.

 

Vacation travel

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. Eligible dependent children studying outside their province of residence are covered for periods of 90 days maximum duration.

Emergency travel assistance for retiree staff (including surviving spouses)

As a member of the McGill Supplemental Health Plan, the Emergency Travel Assistance benefit provides you and your eligible dependents - provided your provincial health care coverage is in force - coverage for emergency medical services required due to an a sudden, unforeseen injury or new medical condition, or a specific medical problem or chronic condition that was diagnosed but medically stable prior to departure.

Coverage is limited to trips of 90 days duration and is subject to a 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.

What is a medical emergency?

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 exists when the insured person is able, in the opinion of the attending physician and supporting medical evidence, to return to their province of residence.

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, retirees and/or their eligible dependents 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 dependents have scheduled non-routine appointments, tests or treatments for an existing medical condition or another undiagnosed condition to be done after your return.

Additional plan details:

Claiming expenses

Contact Allianz Global Assistance immediately or as soon as 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 Assistance, you pay the service provider for the emergency medical services up front, or for expenses of $200 or less.

You must obtain a fully itemized bill for any in-hospital expenses or treatment and keep all receipts. Upon your return home, you will need to submit a claim for the expenses:

  • Submit a claim for reimbursement to the Régie de l'assurance-maladie de Québec. See their website for more information.
  • 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 and limitations

  • 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 the insured person is able, in the opinion of the attending physician and supporting medical evidence, to return to their province of residence.
  • Following an emergency stay in hospital while abroad, medication dispensed while in hospital is covered, whereas medication filled at a pharmacy is not. 

Coverage limitations

  • Coverage is for emergency medical services only. Expenses incurred for ongoing treatment, tests, doctor visits and follow-ups 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).
  • 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.
  • Cancellation insurance or coverage for lost luggage.

 

Back to top