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RSA
Students Insurance

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Benefits
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Administrated by: RSA Travel Insurance Inc.
Underwritten by: Royal & Sun Alliance Insurance Company of Canada
24 hours Emergency Assistance Center: Global Excel

IMPORTANT NOTE: The product-related information on this website is for illustration purposes only. For complete benefits, terms, conditions, limitations and exclusions, please see the policy booklet at the download section below. Please read and understand your policy before you travel.

BENEFITS:
Medical Insurance for International Students provides coverage for reasonable and customary costs incurred in case of an emergency up to lifetime maximum of $2,000,000.
  - Hospital accommodation (semi-private room) up to 60 days per sickness or injury.
  - Physician services.
  - Diagnostic Services: Laboratory tests and X-ray prescribed by the attending physician due to an emergency. (MRI, CAT scans, sonograms, ultrasounds or biopsies have to be pre-approved by Global Excel)
  - Private Duty Nurse - up to $10,000 per sickness or injury.
  - Ambulance services.
  - Prescription Drugs - limited to a 30-day supply per prescription, unless you are hospitalized.
  - Medical appliances - rental of crutches, casts, splints, canes, slings, trusses, braces, walkers and wheelchairs. Up to $200 for prescription glasses or contact lenses and up to $300 for hearing aids, when required after an emergency for which hospitalization was required.
  - Professional services - up to $500 per professional service of speech therapist, chiropractor, physiotherapist, osteopath, naturopath, acupuncturist, chiropodist or podiatrist.
  - Accidental dental of up to $4,000 in case of accident.
  - Emergency dental for relief of pain - up to $600 (when a minimum of 180 days of coverage has been purchased).
  - Wisdom Tooth: up to $100 per tooth for the extraction of wisdom teeth.
  - Emergency air transportation when arranged with Global Excel.
  - Psychiatric Treatment: up to $10,000 when admitted to hospital, and up to $1,000 for outpatient consultations.
  - Trauma Counselling: 6 sessions within 90 days after emergency treatment.
  - Emergency Treatment Outside Canada: provided at least 51% of the period of coverage is spent in Canada (Visits to the United States are limited to 30 days)
  - Family transportation and Subsistence Allowance: up to $5,000 for single round-trip economy airfare for one immediate family member including $150 per day to a maximum of $1,500 for meals and commercial accommodations if you are hospitalized for 7 days or more.
  - Return to the Country of Origin: up to $5,000 for one-way economy airfare for return to the country of origin for immediate medical care.
  - Return of remains -$10,000 for preparation and transportation to the country of origin; or up to a maximum of $5,000 for cremation and/or burial at the place of death.
  - Accidental Death & Dismemberment: Up to $15,000 for accidental loss of life, limbs or sight.
  - Air Flight/Common Carrier Accident: up to $100,000 in case of death.

Non-Emergency benefits:
   - Annual Medical Examination
: when a minimum of 180 days of coverage has been purchased, up to $100 for one examination and related laboratory tests/up to $100 for one consultation for the prescription of the 'morning after pill'
   - Maternity: up to $1,000 for pregnancy or complications thereof (EXCLUDES childbirth and voluntary interruption of pregnancy)/ the pregnancy must start after the effective date of the insurance. No benefits are payable if expenses occur in the nine weeks before or after the expected delivery date or outside Canada.
    - Eye Examination: when a minimum of 180 days of coverage has been purchased, up to $100 for an eye examination by an optometrist or an ophthalmologist.
   - Psychologist: up to $500 for outpatient consultations.
   - Accessibility Corrective Device, Malfunction and Theft Protection: up to $1,000 to replace or repair a corrective device.

EXCLUSIONS: Your coverage is subject to various exclusions, which are completely set out in the Exclusions section of the policy document. The following, although not an exhaustive list, are some of these exclusions:
ELIGIBILITY:
The applicant must:
  a) be 15 days of age or over and 65 years old or less;
  b) be a student or dependent of the covered student;
  c) not be eligible for a provincial or territorial government health insurance plan in Canada; and
  d) know of no reason to seek medical attention at the time of purchase.
Note: Each student and dependent must apply individually and will be covered under separate policies provided the appropriate premiums have been paid.
“Student” means:
  a) an eligible student who has arrived in Canada, who is admitted to and enrolled in a minimum of 60% of the usual course requirements for the program in which they are registered, and attending a recognized Canadian institution of learning; or
  b) a student completing post-doctorate research in a recognized Canadian institution of learning. 
WAITING PERIOD:
  a) If you purchased your coverage within 30 days after your arrival in Canada, then in respect of any sickness, you will not be entitled to receive reimbursement for sickness or symptoms which manifested or were contracted or treated within 48 hours following the effective date of this policy.
  b) If you purchased your coverage 30 days or more after your arrival in Canada, then in respect of any sickness, you will not be entitled to receive reimbursement for sickness or symptoms which manifested or were contracted or treated within 7 days following the effective date of this policy.
Exception: This exclusion does not apply, whey your policy is purchased prior to the expiry date of an existing RSA International Students plan and there is no gap between these policies. 

PRE-EXISTING CONDITIONS: Any sickness, injury or medical condition for which your had symptoms, hospitalization, taken medication or medical procedure at any time in the 90 days prior to your effective date.
Stable means any medical condition for which all the following statements are true:
    a) There has been no new diagnosis, treatment or prescribed medication;
    b) There has been no change in treatment or change in medication, including the amount of medication to be taken, how often it is taken, the type of medication or change in treatment frequency or type.
    c) There have been no new symptoms, more frequent symptoms or more severe symptoms;
    d) There have been no test results showing deterioration;
    e) There has been no hospitalization or referral to a specialist (made or recommended) and you are not awaiting results of further investigations for that medical condition.

a) There has been no new diagnosis, treatment or prescribed medication;
b) There has been no change in treatment or change in medication, including the amount of 
medication to be taken, how often it is taken, the type of medication or change in treatment 
frequency or type.
c) There have been no new symptoms, more frequent symptoms or more severe symptoms;
d) There have been no test results showing deterioration;
e) There has been no hospitalization or referral to a specialist (made or recommended) and 
you are not awaiting results of further investigations for that medical condition.

PREGNANCY: This insurance does not cover losses or expenses caused directly or indirectly, in whole or in part, by:
   -  
Pregnancy, childbirth, voluntary termination of pregnancy and any complications thereof except as otherwise specified under the “Maternity” benefit.
   -  Routine pre-natal care.
   -  High risk pregnancy. A high risk pregnancy means a pregnancy where any medical condition or risk factor puts the mother, the developing fetus, or both, at a higher than normal risk of developing medical complications during or after the pregnancy and birth.
   -  Any child born during your trip. However, a newborn child upon reaching 15 days of age may apply for insurance by completing and submitting an application and the appropriate premium is paid.

OTHER EXCLUSIONS:
Pre-Approval of Surgery, Invasive Procedure, Diagnostic Testing and Treatment — Global Excel must approve in advance any surgery, invasive procedure, diagnostic testing or treatment (including, but not limited to, cardiac catheterization), prior to you undergoing such surgery, procedure, testing or treatment. It remains your responsibility to inform your attending physician to call Global Excel for approval, except in extreme circumstances where such action would delay surgery required to resolve a life-threatening medical crisis.
- Once you are deemed medically stable, your emergency is considered to have ended and you are no longer eligible for coverage for recurrence or complication related to the same condition.
- All benefits are limited to Reasonable and Customary cost.
This insurance does not cover losses or expenses caused directly or indirectly, in whole or in part, by:
- Alcohol or drug abuse;
- Committing or attempting to commit an illegal act or a criminal act.
- Mental, emotional or psychological disorder;
- Massage therapy, elective treatment or surgery, cosmetic or plastic surgery, whether or not for psychological reasons unless required as the result of injury incurred while this policy is in force.
- Any eating disorder or weight problem;
- Renal dialysis or organ transplants;
- Chemotherapy treatment unless approved in advance by Global Excel;
- Sickness, injury or medical condition you suffer or contract in a specific country, region or area for which the Department of Foreign Affairs and International Trade of the Canadian Government has issued a travel advisory or formal notice, before your departure date, advising travellers not to travel to that specific country, region or area;
- Participation in any professional sports (person who engages in an activity as one’s main paid occupation) or any competitive motorized sporting events, racing or speed contests, scuba diving (unless you hold a basic SCUBA designation from a Canadian certified school), hang-gliding, rock climbing, paragliding, skydiving, parachuting, bungee jumping or mountaineering;

CLAIMS:
In the event of hospitalization, you must call Global Excel within 48 hours of admission: 1-800-336-9224 toll free from Canada and U.S. or 819-566-8698 collect call from anywhere. Do not assume that someone will contact Global Excel on your behalf. It remains your responsibility to ensure that Global Excel has been contacted within 48 hours of admission. Failure to do so limits benefits to 80% of eligible expenses.

You must report in writing to Global Excel within 30 days of the accident or sickness. Send a completed claim form and all original bills, invoices and receipts within 90 days from the date a claim arises. All documents have to be mailed to:

                   Global Excel Management Inc.
                           73 Queen Street
                       Sherbrooke, Quebec
                                 J1M 0C9

Telephone: 1-800-336-9224 (toll free) or 819-566-8698 (collect) during business hours.

For complains, please call our customer service at 1-800-715-8833 toll free from Canada and U.S. or 819-566-8839 collect call from anywhere.
If you prefer to submit your complaint in writing, please send it to the attention of the Quality Assurance department at: 73 Queen Street, Sherbrooke, Quebec J1M 1J3. You will receive acknowledgement within 72 hours of our receiving it.
All complains, arbitration or similar proceeding against RSA Travel Insurance Inc. have to be filed no later than one year (two in the Northwest Territories, three years in the province of Quebec) after the date the insurance money became payable.

FAQ:

REFUNDS:
10 day right to examine - You may cancel your policy within 10 days of purchase and receive a full refund provided no claim has been made, is pending or is in progress.
Full refund if requested before the effective date. A partial amount (less administration fee of $25 per insurance policy) if terminated because you permanently leave the recognized Canadian institution of learning; or you permanently return to your country of origin; or you become eligible for a provincial or territorial government plan, and no claim has been incurred. Request for refund must be made in writing to your insurance broker. If your broker receives satisfactory proof (ex. airline ticket or customs/ immigration stamp) of your actual return date to your country of origin, your refund will be calculated from that date, and otherwise calculation of such refunds will be based on the postmarked date of your written request.
No refunds for amounts less than $10.

EXTENSIONS: 
If you wish to remain in Canada beyond the expiry date of this policy, you may purchase a new policy subject to the policy terms, conditions and premium schedule in effect at the time the new policy is requested.
The minimum premium is $25 per policy. The cost of additional days of insurance will be calculated using the age of the insured on the effective date of the new policy provided that:
  a) you remain eligible for insurance;
  b) a claim has not been made under this policy;
  c) you have not experienced any changes in your health since your effective date or departure date;
  d) the request for the new policy is received prior to the expiry date of your coverage;
  e) the required premium is charged to your credit card.

SIDE TRIPS:
Temporary visit to another country (excluding your country of origin) are covered, provided you spend at least 51% of your policy period in Canada. Temporary visits to the United States are limited to 30 days per trip.

RATES:

Rate Schedule
Minimum Premium $25
Student $2.22/daily
Each Dependent $2.56/daily

Dependent(s) means: a spouse, unmarried child who is dependent of a covered student and who is between 15 days and 22 years of age, or is a full-time student who is under 26 years of age or a child of any age who has permanent physical impairment or a mental deficiency.

The rates and products described are subject to change without notice at any time.

IMPORTANT NOTE: The product-related information on this website is for illustration purposes only. For complete benefits, terms, conditions, limitations and exclusions, please see the policy booklet at the download section below. Please read and understand your policy before you travel.

 

DOWNLOADS:

RSA Students Insurance Policy PDF

RSA Students Claim Form PDF

The "RSA" and RSA Logo are trademarks owned by RSA Insurance Group plc, licensed by Royal & Sun Alliance Insurance Company of Canada.

The Global Excel logo is a registered trademark of Global Excel Management Inc. 

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