Should I purchase additional medical insurance?
UBC is able to provide information about your coverage through the UBC group plans while travelling outside of BC; however, the decision to purchase additional medical or other insurance is yours to make. Should you choose to speak with your travel agent or insurance broker about additional coverage while travelling, have them refer to the Sun Life extended health benefits booklet and other coverage booklets. Note that coverage, exclusions and limitations vary across plans, so it is important that you read and understand your benefit coverage and conditions.
What is Medi-Passport?
If you are faced with a medical emergency when traveling outside of your home province, your Medi-Passport benefit can help. Medi-Passport supplements the emergency portion of your Extended Health Care coverage, and is subject to any maximum applicable to the emergency portion of the Extended Health Care coverage. Medi-Passport coverage is provided through Allianz Global Assistance, Sun Life’s travel benefit provider.
You are covered for Medi-Passport if you are enrolled in the Extended Health Plan.
Some examples of expenses covered by Medi-Passport include:
- hotel accommodation and meals, if your return trip is delayed by a medical emergency involving you or another person travelling with you who is also covered under your plan;
- replacement of transportation tickets, if you lose the use of your return ticket due to a medical emergency; and
- return of remains to BC, in the event of death.
Maximums apply. For more information, please refer to the Sun Life Extended Health booklet based on your employee group.
Where can I obtain a card or brochure with my plan information?
You can download your personalized coverage card by logging onto mysunlife.ca or my Sun Life mobile app and clicking on “my coverage” and printing your coverage card under “Resources”. Your personalized coverage card has the Allianz Global Assistance phone numbers and includes your group and certificate number/member ID that you will have to provide Allianz Global Assistance.
The Travel Benefit and Medi-Assist brochure has information on what to do in the event of a medical emergency, what is covered, and includes a cut-out travel card. Your group number is 025205 and your certificate/member id is your seven-digit UBC employee number.
I just went to the travel medical clinic and received recommended travel vaccinations. Are these vaccinations covered under the UBC Extended Health Plan?
Vaccinations are covered under the Extended Health Plan up to a maximum amount of $300 per person per benefit year. For more information, please refer to the Sun Life Extended Health booklet based on your employee group.
Does my coverage include trip cancellation, trip delay or lost luggage insurance?
What if I have a pre-existing medical condition? Am I still covered?
Yes, if the pre-existing medical condition was stable and controlled at the time of departure from BC/Canada and your doctor has stated that you are cleared to travel. It is strongly recommended you obtain a letter from your doctor clearing travel or request a note to your file.
If I’m pregnant or am the pregnant spouse of a UBC employee, am I still covered?
You are only covered for emergency services related to a pregnancy up to your 36th week of pregnancy. After 36 weeks, you will not be covered for emergency services because Sun Life would not consider the birth to be sudden or unforeseen after this point.
If you give birth prematurely up to and including your 36th week, medical expenses for the birth mother and newborn are covered while outside BC and Canada.
Regular prenatal check-ups (outside of BC) while you are pregnant are not covered, even if received before your 36th week of pregnancy. Travelling to another province or country with the intention to give birth is also not covered.
Will I still be covered if I participate in extreme sports while travelling?
Yes. If you are injured while participating in extreme sports your emergency medical costs will be covered.
If I travel to a country that has a travel advisory warning and I am injured, am I covered? What should I do in this situation?
Yes. Contact Allianz Global Assistance, Sun Life’s travel assistance provider, as soon as possible. Allianz Global Assistance will try to connect you with medical services to the best of its ability; however, services may be delayed or unavailable depending on the situation.
If I am in a country that is experiencing a natural disaster and I am injured as a result, am I covered? What should I do in this situation?
Yes. Contact Allianz Global Assistance, Sun Life’s travel assistance provider, as soon as possible. Allianz Global Assistance will try to connect you with medical services to the best of its ability during a natural disaster; however, services may be delayed or unavailable depending on the situation.
If I am in a country that is experiencing a terrorist activity and I am injured as a result, am I covered?
Yes, as long as you are not a participant in the activity. Contact Allianz Global Assistance, Sun Life’s travel assistance provider, as soon as possible. Allianz Global Assistance will try to connect you with medical services to the best of its ability during a terrorist activity; however, services may be delayed or unavailable depending on the situation.
I’m going to be cancelling my ticket and plans to travel abroad because I’m concerned about a health travel advisory issued from the Public Health Agency of Canada or because of a travel warning issued by the Department of Foreign Affairs and International Trade Canada. Are my air travel ticket and any hotel costs reimbursable under my Extended Health Plan’s Travel Assistance benefit?
No. Your Extended Health Plan doesn’t cover the cost of your ticket and/or hotel costs if you decide to cancel your travel plans. The Travel Assistance benefit is designed to address medical emergencies while travelling for yourself and/or your covered dependents.
I require a letter from my employer stating my coverage while travelling outside of BC. Who can I contact to get this letter?
Contact UBC Benefits by email or call 604-822-6823.
My receipts are not in English. Will the cost to translate the receipts be covered?
Translation costs will only be covered if you contacted Allianz Global Assistance (Sun Life’s travel benefits provider) before seeking medical treatment. Allianz Global Assistance will assume all of these expenses directly as they manage the case.
If a claim is submitted after the fact and Allianz Global Assistance was not contacted to provide assistance, any expenses required in order to submit the claim (such as fees for obtaining medical records, translation expenses, etc.) are your responsibility.