Travel Emergencies

ASEBP offers comprehensive health and limited dental coverage for emergency expenses while you’re travelling outside of Canada. For a handy reference while you’re travelling, print this page from your browser. These Travel Emergency benefits are automatically in effect from the time you cross the Canadian border into another country or, if travelling by airplane, when the airplane takes off. These Travel Emergency benefits stop when you cross back into Canada or when the airplane lands.

Note that the following is an interpretation of the official, legally binding ASEBP insurance policies and plan documents available through your employer or by contacting us.

What's covered?

Your Travel Emergency benefits cover reasonable and customary costs for emergency services that are more than the amount paid by your provincial health care insurance plan, as long as the attending, licensed health care provider certifies that they were required for emergency treatment.

Dental

Accidental dental and dental pain relief expenses are covered by your Travel Emergency benefits.

  • Charges for repair, extraction and/or replacement of natural teeth or permanently attached artificial teeth damaged by an accidental blow to the mouth, to a maximum of $2,000 per person per accident for services that occur within 182 days of the accident date (an accident report is required from the attending, licensed health care provider)
  • Relief of dental pain (excluding root canals) to a maximum of $300 per person per trip. The service must take place in a dental office at least 200 kilometres from the Canadian border

Emergency Assistance

Emergency travel assistance is covered by your Travel Emergency benefits, including:

  • Arranging the communication of urgent messages to your or your dependant’s family members or business partners 
  • Assisting in locating an appropriate, licensed health care provider, clinic or hospital 
  • Assisting in locating legal counsel in the event of a serious accident 
  • Confirming coverage and, if necessary, coordinating payment to the hospital and/or licensed health care provider 
  • Contacting your or your dependant’s family, business partner or family health care provider 
  • Coordinating claims processing and negotiating health care provider discounts 
  • Monitoring medical treatment and keeping your family members informed 
  • Providing a response in most major languages

To contact a medical travel advisor in the event of an emergency, please see Accessing Emergency Medical Assistance for details. 

Family Visits and Accomodation

If you or your dependant are hospitalized for at least three days, your Travel Emergency benefits will cover a visit from a family member or friend, if the attending doctor verifies in writing that the situation is serious enough to require a visit. 

  • One round-trip, economy airfare, by the most direct route from Canada
  • Extra costs of meals and accommodation up to $250 per day to a maximum of $2,500 per incident
  • Must be pre-approved by the medical travel advisor 

If you or your dependant are remaining with a travelling companion whose return home is delayed due to illness or injury, your Travel Emergency benefits will cover the following costs, if medical verification and receipts are provided. 

  • Extra costs of meals and accommodation up to $250 per day to a maximum of $2,500 per incident

Medical Care

Your Travel Emergency benefits cover the following for each covered person: 

  • Canes, casts, crutches, slings, splints, trusses, walkers and/or temporary rental of a wheelchair, if ordered in writing by a licensed health care provider
  • Diagnostic services required to identify the nature and extent of illness or injury, if administered by a licensed health care provider 
  • Doctor and surgeon (who is not related to you or your dependant) charges for services rendered, less any amount already covered by your provincial health care plan
  • Medical services and supplies
  • Miscellaneous expenses while hospitalized to a maximum of $50 per day and $500 per hospital stay
  • Nursing services provided by a registered nurse during and immediately after hospitalization, if ordered in writing by a licensed health care provider
  • Outpatient services in a hospital, less any amount already covered by your provincial health care insurance plan
  • Prescription drugs for an emergency, only if they have a Canadian equivalent and are submitted with a doctor’s or licensed health care provider’s prescription and description of the emergency
  • Semi-private hospital accommodation, less any amount already covered by your provincial health care insurance plan 
  • Services, including X-rays, requested by chiropractors, podiatrists/chiropodists and physiotherapists to a maximum of $300 per person per trip 

 

Medical Evacuation or Transportation

Various transportation expenses are covered by your Travel Emergency benefits, including medical evacuation. To be medically evacuated, you or your dependant must medically require evacuation or the cost of treatment must be expected to be higher than the cost of transporting you or your dependant back home.  

  • Air evacuation between hospitals or for hospital admission in your or your dependant’s province of residence, at ASEBP’s discretion, or when ordered by the attending doctor or the medical travel advisor and approved by ASEBP 
  • Air transportation to or from the nearest qualified medical facility able to provide medical care, only in the event that normal ground transportation is not available or when air transportation is in the best medical interest of you or your dependant, as determined by a licensed health care provider 
  • One round-trip, economy airfare, overnight hotel and meal expenses for a medical attendant or non-medical escort, if they’re required to travel with you or your dependant as ordered in writing by the attending doctor, medical travel advisor or commercial airline 
  • One-way, economy airfare to your or your dependant’s home, when advised in writing by the attending doctor or the medical travel advisor so that you or your dependant can receive immediate medical attention; this assumes that you or your dependant are not holding a valid, open-return air ticket and also applies to one family member who is travelling with you or your dependant at the time of illness or accidental injury 
  • Professional ambulance services to or from the nearest qualified medical facility able to provide medical care, if the ambulance is licensed to operate in the location where the service occurred 

Return of Deceased

If you or your dependant pass away while travelling, your Travel Emergency benefits will cover certain costs.

  • A family member or friend’s round-trip economy airfare, by the most direct route from Canada, to identify the deceased, when necessary, prior to the release of the body 
  • The cost of preparing and transporting the deceased home to a maximum of $7,000
  • The cost of cremation or burial at the location of death to a maximum of $2,500 

 

Return of Dependent Children

If you or your spouse are admitted to hospital for longer than 48 hours or are medically returned to Canada, your Travel Emergency benefits will return your dependent children home.

  • One-way, economy airfare home
  • Expenses for an escort may be covered, at ASEBP’s discretion
  • Must be pre-approved by the medical travel advisor

Return of Personal Items

If you or your dependant have returned home by air ambulance or have passed away, your Travel Emergency benefits will return your luggage or personal items to you or your family.

  • Up to a maximum cost of $500 per person
  • Must be pre-approved by the medical travel advisor

Return of Pet(s)

If you or your dependant have returned home by air ambulance, your Travel Emergency benefits will return your pet(s) that were travelling with you or your dependant home.

  • One-way transportation up to a maximum cost of $500 per trip
  • Must be pre-approved by the medical travel advisor

Return of Vehicle

If you or your dependant are hospitalized for at least three days, your Travel Emergency benefits will return your or your dependant’s vehicle (private or rental) home or to the nearest appropriate rental agency. 

  • Only if you or your dependant are unable to operate the vehicle due to unexpected illness or injury and if your travelling companion is also unable to do so
  • Up to a maximum of $1,000 per person
  • If the vehicle is inoperable due to an accident (official police report is required), one-way economy airfare is covered
  • Must be pre-approved by the medical travel advisor

Vaccines

ASEBP provides coverage for certain preventative vaccines, including some travel vaccines like Twinrix and Havrix. See Drugs for details. 

Resources

What's not covered?

The following list includes items not covered by your Travel Emergency benefits as well as circumstances in which your Travel Emergency benefits would not be paid. Note that this list is not exhaustive.

  • Accommodation, living, parking and travel expenses (outside of what is listed under What’s Covered)
  • Additional costs for medical supplies purchased from providers inside and outside Canada (e.g. shipping, duty)—unless related to oxygen and supplies required for its use
  • All expenses incurred as a result of conduct that would constitute an indictable offence within Canada
  • Baggage and cancellation insurance
  • Coffin, in the event you or your dependant pass away
  • Interest charges on any item or service
  • Non-emergency prescription medication and hospital accommodations
  • Non-emergency services normally covered by your provincial health care plan (e.g. doctor visits, surgery) for dependants attending school outside of Canada
  • If expenses are fully covered under any other benefits you or your dependant may have; payment by all benefit providers cannot exceed 100 per cent of the eligible expense 
  • If expenses are due to: 
    • Abuse of alcohol, medication, non-prescription drugs or toxic substances
    • Conducting or trying to conduct a criminal act under the legislation of the local region
    • Directly participating in a revolt, a declared or undeclared war or act of war, the hostile action of any country’s armed forces, hijacking or terrorism, a riot, civil commotion or any other act of aggression or service in the armed forces
    • Driving a motorized vehicle while impaired by drugs, toxic substances or a blood alcohol level of more than 0.08 
  • If expenses are incurred in a country, region or city for which the Government of Canada has issued a formal travel advisory; the advisory must state that Canadians should avoid non-essential travel to that location and be issued prior to your departure date
    • Exception: if the incident is unrelated to the travel advisory, expenses are covered
  • If hospitalization or treatment occurs in a hospital other than a general active treatment hospital (e.g. chronic care hospital, convalescent hospital, nursing home or health spa)
  • If the medical travel advisor is not contacted within 24 hours of hospitalization
  • If travel is booked or started contrary to medical advice or if medical attention is anticipated during the travel period 
  • If you or your dependant are medically able to be transferred to another hospital or returned home but refuse to comply with the transfer request, ASEBP is no longer responsible for any expenses, whether related to the initial incident or not
  • If you or your dependant travel to another country primarily for hospitalization or services in connection with:
    • A “rest cure” or travel for health 
    • Cosmetic procedures 
    • Experimental or unconventional procedures 
    • General medical exams for "check-up" purposes 
    • Ongoing maintenance of an existing medical condition
    • Rehabilitation or ongoing care for alcohol, drug or any other substance abuse 
    • Seeking medical advice or a second opinion
    • Surgery 
    • Treatment, even if the trip is on the medical recommendation of a licensed health care provider 
      • Exception: if the expense occurs due to a cause unrelated to the primary purpose of travel to that country, it is covered

Additional Information

Accessing Emergency Medical Assistance

In the event of a medical emergency, immediately call the applicable emergency access number to speak with a medical travel advisor. Please be prepared to quote your group and identification numbers—available under Contact on the My ASEBP Mobile App or the front of your ASEBP ID card—as well as travel plan number 679. 

  • Toll-free in Canada and USA: 1-888-772-2583
  • Toll-free in Europe: 00-800-4873-2583 
  • In all other countries, or if you have difficulties with the toll-free numbers, call collect: 1-403-225-4289

Coverage Under Multiple Benefit Lines

Certain benefits may be covered by both your Travel Emergency benefits and Accidental Death & Dismemberment benefits, such as transportation costs in the event you pass away. In these situations, ASEBP will coordinate the payment of benefits between the benefit lines. The maximum benefit paid will be based on the eligible expense’s highest maximum.

Dependants Enrolled in School Abroad

Dependants attending school outside of Canada are only eligible for Travel Emergency benefits. These dependants are not covered for non-emergency services that would normally be covered by their provincial health care insurance plan (e.g. doctor visits, surgery). 

Provincial Health Coverage

You are still covered under your provincial health care insurance plan when you are travelling within Canada. Expenses incurred while travelling outside Canada are covered by your Travel Emergency benefits only after coverage limits under the provincial health care insurance plan have been reached. 

Travelling with Prescription Drugs

Before you leave on a trip outside of Canada, you should refill any prescriptions you may need while you’re away. If you need more than a 100-day supply of your prescription, you’ll need to submit the Greater than 100 Day Supply of Prescription Drugs Request. See Drugs for details. 

Benefit Inquiries

English/Français

Phone 780-431-4786
Fax 780-438-5304
Toll Free 1-877-431-4786