EmergencyPlease use the following emergency contact information
1-888-756-8428 (Toll-Free North America)
1-905 731-8291 (Collect)
Contact the 24 Hour Toll-Free or collect number
Within 24 hours of admission to Hospital, or if incapacitated, as soon as reasonably possible;
For any benefit where prior approval is required;
For any Excursions, prior to incurring ANY medical expenses.