Frequently Asked Questions - Retiree Health Insurance - Travel

If you are planning a trip that will be longer than 62 days or you require more than the allotted $6,000 interruption or cancellation limit, top-up coverage is available to you through 21st Century Travel Insurance, under the Medicare International.

For information on the OTIP Top-up Plan, contact 21st Century at 1-800-461-2100.

You may be reimbursed for up to $6,000 per person, per trip, for pre-paid, non-refundable expenses:

• If you are unable to travel or continue to travel due to a death or serious injury or illness to yourself or a member of your immediate family (as defined in the contract)
• If you have already departed on your trip and there is a death or serious injury or illness to a member of your extended family (as defined in the contract)

For your travel coverage to be in force, you must be insured by RTIP on the first day of your trip. Please call an OTIP benefits services representative at 1-866-783-6847 to explore your options.

RTIP will pay reasonable and customary charges for emergency services only, in excess of the amount paid by your provincial health care coverage for:

• Emergency travel assistance
• Medical evacuation
• Medical care, including surgery and semi-private hospital accommodation (the hospital must be a general active treatment hospital)
• Trip cancellation - covers the cancellation of the pre-paid, non-refundable portion of your trip expenses before the scheduled departure date, up to a maximum of $6,000 per person per trip
• Usual services and supplies covered by your extended health care plan

Your emergency travel coverage is automatically effective while you are out of province or out of the country to a maximum of 62 days per trip. This means you are covered from the time you leave your province of residence until you return home.

The total amount payable per person, per trip for all eligible expenses equals $2,000,000 Canadian.

If you are admitted to the hospital, you must call for emergency assistance within 24 hours. Failure to do so may result in your claim being delayed or denied. Be sure to travel with your provincial health insurance number and the health number for each member of your family.

If you experience a medical emergency while travelling, please contact Mondial Assistance, formerly World Access Canada, immediately or as soon as possible at the numbers listed on the back of your benefits card.

• In Canada and the U.S. call 1-800-265-9977
• In Mexico call *+1-800-514-3702
• In the Dominican Republic call *+1-888-751-4403
• International toll-free number *+1-800-9221-9221**
• In all other countries, use the operator to call collect 519-741-8450
• *Use country calling code
  **Countries participating in the international toll-free number:
  

  ARGENTINA AUSTRALIA AUSTRIA BELGIUM CHINA COLOMBIA COSTA RICA DENMARK

  FINLAND FRANCE GERMANY HUNGARY IRELAND ISRAEL ITALY JAPAN

  KOREA (SOUTH) LUXEMBOURG MACAO MALAYSIA NETHERLANDS NEW ZEALAND NORWAY PORTUGAL

  SINGAPORE SOUTH AFRICA SPAIN SWEDEN SWITZERLAND TAIWAN U.K.

If a medical emergency happens outside your province of residence and the cost of services provided by a hospital or physician are beyond your immediate ability to pay, call or ask the physician or hospital administration to call the emergency helpline.

The emergency assistance centre (World Access) will confirm your coverage and arrange payment on your behalf whenever possible. You don't need to do anything else until an authorization and claim form is sent to you for signing.

Once this form is signed and returned, benefits will be coordinated on your behalf with the government insurance plan and the Insurer.

If you have paid for eligible expenses yourself (e.g. hospital or medical costs, accommodation charges, transportation fees), follow these steps:

• collect detailed receipts and include the medical diagnosis for each receipt submitted
• provide your RTIP and provincial health insurance plan and identification numbers, as well as the patient's date of birth
• provide proof of departure and return dates
• complete an authorization and claim form
• provide translation for claims in languages other than English and French
• submit all claims within six months of occurrence

Do not submit to OHIP. The Insurer will submit the claim to OHIP for you.

Please review the complete list of coverages and exclusions (PDF, 122 KB) offered under the RTIP deluxe travel benefit.

The Insurer considers timeshare vacations to be similar to owning your own vacation property. Timeshare fees and accommodation charges are not covered as a "pre-paid accommodation".

Your benefits card has information and emergency phone numbers that will direct you to travel emergency specialists 24 hours a day. They will assist in explaining what to do and arrange appropriate services and payment on your behalf.

For more information about pre-existing medical conditions, please review these guidelines.