Each Canadian Province and Territory provides a Medicare Plan with comprehensive benefits for hospital confinement, the service of physicians and other health practitioners, ambulance services, etc.   In many cases, the benefits provided by these plans will pay all, or almost all, of the expenses you incur in your home province.

When you are outside Canada and require these services, your Provincial Medicare Plan will usually make a payment towards your expenses but that payment is usually limited to the amount that would have been paid for the same service in the Province in which you reside.  Unfortunately, there is often a tremendous difference between the cost of these services outside Canada and the amount allowed by your Medicare Plan, which you would have to pay were it not for this valuable benefit.

This Plan provides extensive coverage for many services rendered outside Canada. It would be important to note that such expenses are covered provided that they were unexpected, and of an emergency nature.  The Plan does not provide benefits for medical treatment if the purpose of your trip outside Canada is to obtain that medical treatment.

The specifics of your Emergency Out of Province/Country Travel Medical Coverage are detailed in a separate brochure.

Eligibility

All Members and their Dependents, who are eligible under the Trust Fund and who are under age 80, are eligible for insurance under this Emergency Out of Province Medical Coverage.

Period of Coverage

You and your Dependents are covered while outside your province of residence for such reasons as business or vacation.  As noted earlier, expected expenses incurred by you or your Dependents are not covered in the event that the person incurring the expected expenses had left the province of residence for the purpose of obtaining medical treatment.
Trips are limited to a maximum of 90 consecutive days.

In An Emergency, Here’s What to Do

Call Global Excel Management Inc.  immediately in the event of a serious medical emergency.  Their operators are backed by a team of emergency care professionals – physicians and nurses who work closely with the physician looking after you and, if necessary, your family or company physician, to help insure that you receive the medical care you need.

Telephone the Coordination Center at the numbers listed below.

Canada & U. S. A. - 1-877-207-5018   
Elsewhere (Collect Call)- 1-819-566-3940

An operator will ask you the following:

1. Your name, location and the details of your emergency
2. Your Policy Number is BSC9020985

Termination

Coverage will terminate in accordance with the terms and conditions as set out in the “TERMINATION OF COVERAGE” provision described earlier in this website.

How to Claim

If you have incurred out of pocket expenses, claims must be submitted to Global Excel Management Inc., who will then coordinate with the provincial plan reimbursement of those approved, eligible expenses.  To make a claim, submit to Global Excel Management Inc., the patient name, provincial health plan number and your certificate number with:

1. Detailed statements showing the services rendered and the fees charged for each service.
2. Mail to: Global Excel Management Inc.
   73 Queen Street
   Sherbrooke, QC
   J1M 1J3

All claims must be submitted to Global Excel Management Inc., within 12 months from the date the eligible services were rendered.

Coordination of Benefits

The total amount payable from all sources may not exceed the expenses you incurred.

Global Excel Management Inc. will coordinate coverages with other policies according to the CLHIA’s Coordinating Coverage Guidelines for Out-Of-Country / Province Health Care Expenses.