CUMIS Travel Insurance Program

1. CUMIS Travel Insurance Program Credit Union Orientation Session

2. Agenda • Travel Insurance Overview • Emergency Hospital and Medical Insurance Overview • AD&D • Trip Interruption • Flight Accident • AdvisorLink Products • Take Flight • Baggage • All-Inclusive • Trip Cancellation and Interruption • Identifying opportunities

3. CUMIS Travel Insurance Plans

4. CUMIS Travel Insurance Program • The CUMIS Travel Insurance Program is underwritten by Co-operators Life Insurance Company and administered by TIC Travel Insurance Coordinators Ltd. (TIC) • CUMIS is responsible for the account management of the program.

5. Why is Travel Insurance Important? • According to a poll conducted by Ipsos Reid, four in ten Canadians never purchase travel medical insurance when visiting the United States.

6. How Much Would a Hospital Stay Really Cost? • A two-day stay in a U.S. hospital for chest pain could cost US$10,800, with only US$400 being covered by a Government Health Insurance Plan (GHIP). • A 13-day U.S. hospital stay for trauma associated with a motor vehicle accident could cost US$113,300, with only US$5,200 covered by GHIP. • An appendectomy, which usually involves a two-day stay, could cost US $18,500, with GHIP covering only US$800.

7. Four Reasons to Have Travel Insurance • You become sick or injured while travelling. • You need to cancel your trip. • A hurricane damages your travel destination. • Your baggage is delayed or lost.

8. Benefits of the CUMIS Travel Insurance Program • Peace of mind for members travelling • Flexible and affordable plans • Reliable coverage • Partnership with a leading provider

9. How Do I Offer Travel Insurance? • Travel insurance plans can be issued in branch via the system QuickTIC or by referral to CUMIS Advisor Link. • Should the member require additional underwriting, have specific coverage or exclusion questions, please ensure you advise them to contact Advisor Link for assistance at • 1-877-885-2847.

11. Emergency Hospital and Medical for Canadians

12. Emergency Hospital and Medical Insurance • Protection for up to $5 million in coverage for emergency hospital care and doctor visits.

13. Single Trip Plan • Single-trip is coverage for specific one time trips. • There are two rate categories: • Non-USA • USA

14. The New Annual 8-Day Plan So easy, it pretty much sells itself.

15. The New Annual 8-Day Plan • Multi-trip Plans are for frequent travellers • Sold on an annual basis • Ideal for members who take 3 or more trips throughout the year

16. The New Annual 8-Day Plan • Simplified 8-day annual plan offers flexibility and cost savings to credit union members • $55 for single • $120 for families • Coverage for persons aged 0 to 60 for an unlimited number of 8-day trips for a year • Also available in 15, 35, 60 or 105 day options

17. Price Comparison • Member age 55 travels to: San Francisco for 8 days Seattle for 7 days Cancun for 7 days Vancouver for 3 day weekend TOTAL if purchased 4 individual certificates $23.76 $20.79 $16.00 $16.00 $76.55 New 8 Day Annual Plan $55.00 Saves Member $21.55 in premium

18. Who is Eligible? • Make sure to review with your member prior to issuing a certification.

19. Plan Features and Benefits • Emergency Hospital • Emergency Medical • Emergency Transportation • Accidental Dental • Dental Emergencies • Transportation of Family or Friend • Return of Traveling Companion • Return of Vehicle or Watercraft • Pet Return

20. Exclusions Remember: Travel insurance is for unexpected and unforeseen emergencies.

21. The First Exclusion: EHM1

23. The Second Exclusion: EHM2 • Example: Your credit union member has a heart condition and five days prior to his/her vacation departure, they have chest pains and ignore them.

24. Additional Plans that Protect Your Member Trip Interruption Flight Accident AD&D

25. Trip Interruption • Trip Interruption protects your member in the event that their trip is interrupted prior to the scheduled return date as the result of: • Sickness, injury or death • A disaster

26. Flight Accident and AD&D • Flight Accident Insurance protects your member while onboard an aircraft or on airport premises. • Accidental Death and Dismemberment protects your member should an accident result in his or her death, or the loss of a limb and/or eyesight.

27. AdvisorLink Products Take FlightBaggageAll-InclusiveTrip Cancellation and Interruption

28. Take Flight Take Flight is the ideal choice for Canadian seniors heading south or anywhere in the world for the winter.

29. Take Flight Snowbirds are the target market for the Take Flight product. Snowbirds are: Aged 60 and over Require worry-free travel insurance for extended periods (long stay) and short trips Maintain winter homes outside of Canada and Return annually to destinations such as Southern US, Mexico, Europe 29

30. Benefits for Your Members • 24/7 Emergency Assistance anywhere in the world • $5 million in coverage • Transportation of a family member or friend to bedside • Emergency transportation to nearest appropriate medical facility or Canadian hospital

31. How to Promote Take Flight • Provide your member with a Travel Insurance brochure and the AdvisorLink phone number with your credit union agency code in the space provided.

32. Other AdvisorLink Products • Baggage – Your member can protect their baggage in the event of loss or delay. • Trip Cancellation and Interruption – Your member will be protected for any pre-paid trip costs in the event that their trip must be cancelled or interrupted. • All-Inclusive –This plan combines the • 1. Emergency Hospital & Medical for Canadians • 2. Trip Cancellation & Interruption – Select Plan

33. The CUMIS Travel Insurance Program Checklist

34. CUMIS Checklist

44. Advisor Link Credit Union members should contact CUMIS Advisor Link if: They are over 60 years of age and traveling over 60 days. They want to ensure their pre-existing conditions are covered. For any questions with regards to our eligibility requirements 44 44

45. Claims Experience Emergency Assistance is available 24 hours a day, 7 days a week. Multi-lingual staff available Claims procedures can be found in the “CUMIS Travel Insurance Program Certificate” of insurance, which also includes an ID wallet card to be carried with you on your trip Claim forms can be downloaded at: www.cumis.com/travelinsurance Contact #’s Toll Free Canada/USA: 1-800-869-6747 Collect worldwide: 416-340-8809 45 45

46. Claims and Travel Assistance Services Translation Explanation of benefits Coordination of payments Direct payment to medical facilities Verification of coverage to hospital and physicians Arrangement for emergency medical evacuation when necessary Contact with the family doctor, relatives and place work, as appropriate 46 46

47. CUMIS Download Site • The following information is available on the CUMIS download site www.cumis.com\mediadownloadcentre: • Webinars • Checklist • CUMIS Travel Insurance Program Basics (rates and procedures manual) • Policy Certificates • Program Information and User Guides • Product Information • Travel Insurance Policies and Procedures

48. Supply Orders • To order supplies, visit the following website: • www.cumis.com\mediadownloadcentre • Password: Travel

49. Thank you!