StudentVIP.ca

Coverage Details

Backpack offers you 24/7 Assistance Services and Global Medical & Travel Insurance along with many other support services during your travels. If at any time you have a medical or mental health concern, need help with a prescription, translation of a conversation or help replacing lost documents such as a passport, Backpack is here to assist.

BEFORE SEEKING CARE CALL IN ADVANCE! Before seeking care, call in advance when possible to provide time for our agents to locate and establish a guarantee of payment with a local medical facility.

Not calling in advance may result in up-front payment of services. Please ensure you are travelling with a valid credit card when possible. Any up-front payment of services can be submitted as a claim for review for reimbursement.

Travel Coverage

Accidental Death Coverage

Travel Assistance Services

Medical Assistance Services

Transportation Assistance Services

Traveller Guides

FAQ

DEDUCTIBLE

None

REIMBURSEMENT LEVEL

100%

COVERAGE DURATION

Trips outside of the Participants province of residence are eligible for up to 365 days provided they have received an extension through their provincial government health care coverage for the period. If the Participant is an international student, trips to their home country are limited to the first 30 days.

EMERGENCY HOSPITAL AND MEDICAL TRAVEL COVERAGE

$2,000,000/Participant/Incident (Incident: An individual occurrence of Emergency illness or injury)

Diagnostic serives(x-ray/ Lab Tests)

Up to overall coverage amount

Medical/security/enviormental evacuation

$2,000,000/Participant/Trip

repatriation

$35,000

coverage for pre-existing conditions

$100,000

emergency bail bond

$1,500

WORLDWIDE TRAVEL ASSISTANCE

Yes

TRIP CANCELLATION AND INTERRUPTION COVERAGE

$10,000/Participant/Trip

BAGGAGE COVERAGE

$500/Participant/Trip

REPATRIATION

$35,000

TERMINATION

The earliest of:
- the end of the Plan Year (August 31st), or
- The member reaches age 70.

The accident coverage included in Backpack includes the following. The below is a summary of coverage only.

Accidental Death
Repatriation
Family Travel Benefit
Rehabilitation

For full policy details, please email backpack@studentvip.ca

Backpack will provide pre-trip information such as visa, passport and inoculation requirements; cultural information; weather conditions; embassy and consulate referrals; foreign exchange rates; and travel advisories.

Backpack will assist with changing airline, hotel or car rental reservations once a trip has started.

Backpack provides access to an interpreter via telephone 24 hours a day or referrals to local translators and interpreters in the case of communication problems which cannot be solved via telephone.

If you are arrested, or require the services of an attorney, Backpack will arrange for an initial telephone consultation with an attorney without charge to you.
If needed, you will be referred to an attorney in the appropriate geographical area. This service applies only when you are traveling internationally.

Backpack will provide assistance for the replacement of passports, airline documents, birth certificates and other travel-related documents.

In the event you are unable to reach your school, a family member or travelling companion, Backpack will forward a message via telephone to the intended party

Backpack will assist with the tracking of luggage lost in transit.

If you are the victim of a felonious assault, Backpack will arrange travel and suitable hotel accommodations for a person of your choice to join you.

Backpack will monitor your conditions when hospitalized and maintain an appropriate level of contact with the treating physician and nursing staff as well as obtain relevant medical, surgical and treatment plan reports and information.
Backpack will use information obtained to assess the available level of care in relation to your condition and geographical location where treatment is being performed.

Backpack provides a 24/7 Nurse Help line to provide clinical assessment, education and general health information performed by a registered Nurse counselor. This service is to assist in identifying the appropriate level and source(s) of care for you based on symptoms reported and/or health care questions. Nurses shall not diagnose your ailments.

If you require prescription medication or eyeglasses, Backpack will consult with the prescribing physician and locate and arrange to send the prescription medication or eyeglasses when it is possible and legally acceptable or arrange an appointment with a local medical provider.

At your request, Backpack will provide referrals to medical and/or dental professionals and pharmacies in your geographical location where possible.

Backpack helps you with navigating through any crisis and making sure you can continue your trip or get home safely.

Backpack assists during critical emergencies such as illness or injury that may require an evacuation or during a political or natural disaster event that may threaten your safety.

Global Assistance Services and Transportation must be paid and arranged by On Call; no claims for reimbursement of transportation will be considered.

If you are experiencing a medical emergency, you should proceed immediately to the nearest hospital or emergency department and then contact On Call as soon as you or a companion can safely do so.

Backpack will arrange and coordinate air and or land transportation for the following:

Emergency Medical Evacuation
Political Evacuation
Medical Repatriation
Natural Disaster Evacuation
Emergency Family Travel Arrangements
Emergency Return Home
Return of Remains

Your traveller guide provides you with all important Backpack information in one easy place! Please read through before you travel as it has important information regarding your coverage.

MOBILE VERSION

DESKTOP VERSION

Please see below some commonly asked questions about the Backpack program.

AM I COVERED?

If you are covered, you will receive a Backpack welcome email. If you do not receive this email or are unsure if you are supposed to have Backpack, please email backpack@studentvip.ca.

IS THERE COVERAGE IF I AM AN INTERNATIONAL STUDENT?

Yes, however, if you are travelling to your home country, coverage is limited to 30 days. For questions about top up coverage, please email backpack@studentvip.ca before departure.

WHEN DOES MY COVERAGE BEGIN?

Your coverage will begin on the day you depart for your school sanctioned travel unless otherwise indicated to you. To confirm your coverage period, email backpack@studentvip.ca.

CAN I ENROL MY FAMILY?

Backpack is only available for students. However, if you need to purchase travel coverage, we can help! Email us at backpack@studentvip.ca for assistance with purchasing family coverage.

CAN I OPT-OUT (CANCEL) THE BACKPACK PROGRAM?

No. Backpack is a mandatory program provided to you by your institution to ensure that you have proper coverage and support services in place in the event of an emergency while on school sanctioned travel.

HOW DO I SUBMIT A CLAIM?

Please click 'Make a Claim' button at the top of the page.

HOW DO I GET MY TRAVEL WALLET CARD?

Please click the 'Home' Button at the top of the page. Click on the 'Travel Wallet Card' button for more information.

WHAT IS THE CONTACT INFORMATION FOR BACKPACK?

You can reach Backpack Monday - Friday 8:30am-5:30pm EST.
backpack@studentvip.ca
1-888-918-5056