ARM Health Insurance – Frequently Asked QuestionsView questions by category:If you don't see the answer to your question, please contact an OTIP life and living benefits sales representative at 1-800-267-6847. Travel Coverage QuestionsWhat do I do for trips longer than 62 days?If you intend to be away for longer than 62 days, you can purchase a top-up policy from Medicare International.
For more information on coverage and rates for travel top-up insurance, please call 1-800-461-2100 and identify yourself as an OTIP member.
Quebec residents Please call ETFS (Expert Travel Financial Security) at 1-877-832-6025 and identify yourself as an OTIP member. What if I have to cancel my trip?You may be reimbursed for up to $6,000 per person for pre-paid, non-refundable expenses:
I am going on a trip that starts before my ARM health plan coverage begins. Will I be covered?For your travel coverage to be in force, you must be insured by an ARM health plan on the first day of your trip. Please call an OTIP life and living benefits sales representative at 1-866-783-6847 to explore your options. What is included in the ARM deluxe travel insurance coverage?ARM deluxe travel insurance will pay reasonable and customary charges for emergency services only, in excess of the amount paid by your provincial health care coverage for:
How does the ARM deluxe travel insurance coverage work?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. How much am I covered for?The total amount payable per person per trip for all eligible expenses equals $1,000,000 Canadian. Who do I call in case of medical emergency?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.
**Countries participating in the international toll-free number:
How are my payments arranged?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 help line.
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. What if I paid for the expenses myself?If you have paid for eligible expenses yourself (e.g. hospital or medical costs, accommodation charges, transportation fees), follow these steps:
What expenses are not covered?Please review the complete list of coverages and exclusions offered under the ARM deluxe travel benefit. Are timeshare vacations covered?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”. How do I access emergency travel coverage?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. |
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OSSTF 60 Mobile Drive, Toronto, ON M4A 2P3 1-800-267-7867 | www.osstf.on.ca
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