How do I enrol my child for Year 'Round coverage under this plan?
A.
Enrolling is easy. Simply print the on-line enrolment form, complete and mail it with the cheque, money order or credit card payment or print the on-line enrolment form, complete and fax it with your credit card information. If you choose to pay by credit card you can also enrol over the phone. Please call us toll-free at 1-800-556-7411 from 6:30 a.m. to 4:30 p.m. PST Monday to Friday.
Q.
When does coverage begin...and end?
A.
Coverage begins on the later of September 1st,
2007 or the date your enrolment form and premium are received
by IAP. Coverage expires on the date the insured no longer qualifies
as a Student or Adult, or the date the insured is enrolled
in a replacement IAP Kids Plus™ Accident
Insurance Policy or at 12:00 midnight on September 30, 2008, whichever
date first occurs.
Q.
Is the premium paid monthly or annually?
A.
Premiums are paid annually. You are simply required to make a single, one-time payment for your coverage.
Q.
Will IAP send me a receipt to confirm payment?
A.
No. Your cashed cheque or credit card statement is your proof of premium payment.
Q.
Are College/University Students still eligible?
A.
Yes, they can enrol as Students if they are under 20, or as Adults if 20 or older.
Q.
My children attend different schools. Can I complete one enrolment form?
A.
Yes, you can complete one enrolment form for all children provided they are all Students attending school in Canada. This is true even if your children attend different school districts, or live in different cities.
Q.
Can I enrol my pre-school aged child? What about if they are in day-care or nursery school?
A.
Any child over the age of 6 months can be enrolled in this plan, regardless of whether they are in day-care, at home or attending kindergarten or nursery school.
Q.
Are foreign exchange students or international
students eligible to enroll under this plan?
A.
No, they are not eligible.
Q.
Can my child who is attending school outside
of Canada be covered?
A.
No, our coverage is only available to Students attending schools in Canada.
Q.
Does coverage extend to outside school hours?
A.
Yes. Year 'Round Coverage insures you or your child 24 hours a day, 7 days a week. This includes weekends, summer vacation, professional development days, field trips and other school breaks. However, there are some restrictions when travelling outside your province of residence or Canada.
Q.
My child will be moving to a new school
district. Is this insurance transferable to a new school?
A.
Yes. Your coverage is transferable anywhere in Canada, regardless of where you move.
Q.
I have re-married and my spouse has two children and I have three. They have different last names and go to different schools. Can I enrol everyone on the same enrolment form?
A.
Yes. Please ensure that all applicable surnames are shown on the enrolment form.
Q.
Does coverage extend to travel outside our province of residence or outside Canada?
A.
Yes. For trips limited to a 30-day duration, the Value Plan covers Injury only to specified limits. You can extend your child's coverage to include Sickness, and/or increase the coverage limit if you purchase the Active Plan.
Q.
Can I include my niece and nephew on my child's Enrolment Form?
A.
The Enrolment Form is for one family only. Nieces and nephews are considered another family and therefore their parents or legal guardians have to fill out a separate Enrolment Form. However, if you are the legal guardian, i.e. court appointed, of your niece and nephew, you can include them on your child's Enrolment Form.
Q.
I am a parent/legal guardian. Can I apply along with my child(ren)?
A.
Yes, if you qualify as an Adult as per our definition, you may enrol using the Adult coverage rates.
Q.
My children will be going on a trip in October and January. Each of these trips will be of a 20-day duration. Will both trips be covered, or are they excluded because both trips add up to a total of 40 days, and therefore exceed the 30-day trip duration limit?
A.
Yes, both trips are covered since the 30-day trip duration is per trip.
Q.
My child will be travelling to Europe. If he gets into an accident overseas and has to be hospitalized, does he/she ask the hospital to send the bill to IAP in Canada?
A.
No. Most hospitals have their own billing procedures. In the event of a Medical Emergency outside Canada or the U.S.A., place a collect call through the Operator to 1-305-865-8895. If possible, call the hotline before obtaining any medical services or treatment to ensure the medical attention you receive is covered. Within Canada or the U.S.A., please call 1-800-255-2008.
Q.
Can I pay for my grandchild's insurance even when I'm not the Parent/legal guardian?
A.
Yes, but the name of the parent/legal guardian must appear on the enrolment form. All benefits payable under the Policy on behalf of Students are payable to or at the direction of the Parent.
Q.
Are handicapped children eligible?
A.
Yes, they are eligible as long as they qualify as a Student as per our definition.
Q.
Is a child with cancer, epilepsy or other existing illness eligible? If yes, is there an exclusion?
A.
Yes, the child is eligible as long as they qualify as a Student as per our definition. However, if the child had an accident due to his/her existing illness, e.g. the child had an epilepsy attack and fell down and broke his/her nose, the injury will not be covered.
Note also that the Non-Accidental Death benefit contains a limitation which states: If the Insured dies as the result of a medical condition the Non-Accidental Death benefit will only be payable if the medical condition first manifested itself while the Policy was in force as to the Insured.
Q.
What is the difference between the Accidental Death and Non-Accidental Death benefits?
A.
Non-Accidental Death benefit covers death from ANY cause, whereas the Accidental Death benefit only pays if death is caused by Injury resulting from an Accident, as defined in the Policy.
Q.
Can I get a refund of premium if my child quits school during the year?
A.
No. We do not issue refunds on the portion of unused premium as this is a One-Time Cost.
Q.
Can I insure my children under different
plans?
A.
No. Students must be enrolled under the same plan.
Q.
If I buy the insurance in December, can I pro-rate the premium?
