Long Stay Visitors
Trip Cancellation, Interruption and Baggage Package
SUPER VISA info
24/7 insurance companies telephone numbers
Saturday, October 21st, 2017

RSA
Students Insurance

rsa logo

buy online

Benefits
Exclusions
Claims
FAQ
Rates
Downloads

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:
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 must be pre-approved by Global Excel). *
  - Private Duty Nurse - up to $10,000 when medically necessary and while hospitalized. *
  - Ambulance services - ground ambulance service to the nearest hospital.
  - 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. *
When required as the result of a covered sickness or injury for which you have been hospitalized, up to $200 for prescription glasses or contact lenses or up to $300 for hearing aids.
  - Professional services - up to $500 per profession for speech therapist, chiropractor, physiotherapist, osteopath, naturopath, acupuncturist, chiropodist or podiatrist.
  - Dental Accident - of up to $4,000 in case of accident.
  - Dental Emergency - up to $600 to relief of dental pain (excludes crowns and root canal). **
  - Wisdom Tooth: up to $100 per tooth to extract impacted wisdom teeth.
  - Emergency air transportation - air ambulance to the nearest medical facility, a stretcher or one-way economy airfare with an attendant (where required) for emergency return to your province or territory of residence. *
  - 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.
  - 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 - up to $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. The cost of casket or urn is not covered.
  - 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: up to $100 for one examination and related laboratory tests and 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:  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. 

* Prior approval from Global Excel is required. 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.
** These benefits are available only if minimum of 180 days of coverage has been purchased.

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 - the following waiting periods will apply if you purchase this coverage after your arrival in Canada:
a) any sickness or symptoms which manifested or were contracted or treated within 48 hours following the effective date of this policy, when this policy is purchased within 30 days after your arrival in Canada; or
b) any sickness or symptoms which manifested or were contracted or treated within 7 days following the effective date of this policy, when this policy is purchased more than 30 days after your arrival in Canada.
Exception: This exclusion shall not apply, when this policy is purchased on or prior to the expiry date of an existing International Student Emergency Medical Travel Insurance policy already issued by the Insurer, to take effect on the day following such expiry date. The existing policy must be in effect on the date of purchase and there must be no gap in coverage

PRE-EXISTING CONDITIONS: Any sickness, injury or medical condition which was not stable at any time during the 90 days prior to the effective date of the policy.
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.

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) you have not experienced any changes in your health since your effective date or departure date;
c) the request for the new policy is received prior to the expiry date of your coverage;
d) the required premium is charged to your credit card. 

SIDE TRIPS:
Temporary visit to another country are covered, provided you spend at least 51% of your policy period in Canada. Temporary trips to the United States are limited to 30 days per visit. Stays in your country of origin are covered only if you are participating in a sporting event or an extra-curricular event organized by the school.

REFUNDS:
a) If cancellation of your policy is requested prior to the effective date of your policy, the full amount of premium paid may be refunded.
b) A pro rata refund for the unused portion of the premium may be granted if:
    i) the required visa necessary for admission to a recognized Canadian institution of learning has been refused;
    ii) the student permanently leaves the recognized Canadian institution of learning;
    iii) you permanently return to your country of origin; or
    iv) you become eligible for a provincial or territorial government health insurance plan in your province or territory of residence.
c) A request for a premium refund will be considered only if no claim has been paid or is pending, subject to a $25 administrative fee.
d) Requests for refunds must be made in writing to your representative. If your representative 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 refund will be issued if the amount of premium to be reimbursed is less than $10 per policy

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. The Insurer is not responsible for charges levied in relation to any such documents.
All documents must be mailed to:
Global Excel Management Inc.
73 Queen Street
Sherbrooke, Quebec
J1M 0C9 

EXCLUSIONS: 
This insurance does not cover losses or expenses caused directly or indirectly, in whole or in part, by:
1. Any sickness, injury or medical condition which was not stable at any time during the 90 days prior to the effective date of the policy.
2. a) any sickness or symptoms which manifested or were contracted or treated within 48 hours following the effective date of this policy, when this policy is purchased within 30 days after your arrival in Canada; or
   b) any sickness or symptoms which manifested or were contracted or treated within 7 days following the effective date of this policy, when this policy is purchased more than 30 days after your arrival in Canada.
Exception: This exclusion shall not apply, when this policy is purchased on or prior to the expiry date of an existing International Student Emergency Medical Travel Insurance policy already issued by the Insurer, to take effect on the day following such expiry date. The existing policy must be in effect on the date of purchase and there must be no gap in coverage.
3. Chemotherapy treatment unless approved in advance by Global Excel.
4. The purchase or replacement cost (prescribed or not), loss or damage to hearing devices, eyeglasses, sunglasses, contact lenses, or prosthetic teeth, limbs or devices and prescription resulting therefrom except as otherwise specified under the “Medical Appliances” benefit and the “Accessibility Corrective Device Defect, Malfunction and Theft Protection” benefit.
5. Flight accident (unless you are travelling as a fare-paying passenger on a commercial airline).
6. Medical examinations performed at the request of a third party (including medical examinations for immigration purposes) or consultations with a physician by telephone or email.
7. 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.
8. Routine pre-natal care.
9. Pregnancy, childbirth, voluntary termination of pregnancy and any complications thereof except as otherwise specified under the “Maternity” benefit.
10. Your participation in and/or voluntary exposure to any risk from: war or act of war, whether declared or undeclared; invasion or act of a foreign enemy; declared or undeclared hostilities; civil war; riot; rebellion; revolution or insurrection; military power or any service in the armed forces.
11. Committing or attempting to commit an illegal act or a criminal act.
12. Suicide (including any attempt thereat) or self-inflicted injury.
13. a) Any eating disorder or weight problem;
     b) a disorder, disease, condition or symptom that is emotional, psychological, or mental in nature unless you are hospitalized and except as specified under the Psychiatrist and the Psychologist benefits.
14. Treatment or appliances that are not required for the immediate relief of acute pain or suffering: treatment of an ongoing condition, regular care of a chronic condition, home health care and investigative testing.
15. Medication, drug or toxic substance abuse or overdose; alcohol abuse, alcoholism or an accident while being impaired by drugs or alcohol or having an alcohol concentration that exceeds 80 milligrams in 100 millilitres of blood.
16. Drugs: a) the replacement of an existing prescription, whether by reason of loss, renewal or inadequate supply, or the purchase of drugs and medication (including vitamins) which are commonly available without a prescription or which are not legally registered and approved in Canada or which are not required as a result of a medical emergency;
    b) preventive medicines or vaccines;
    c) acne medications, baldness remedies, nicotine resin products, dietary supplements or weight loss products;
    d) all types of contraceptives, pregnancy tests, fertility drugs or testing or drugs for the treatment of erectile dysfunction;
    e) quantities exceeding a 30-day supply for one prescription; or
    f) pharmaceutical products and drugs covered by another organization.
17. Participation: a) as a professional athlete in a sporting event including training or practice. (Professional means a person who engages in an activity as one’s main paid occupation);
    b) in any motorized race or motorized speed contest;
    c) in scuba diving (unless you hold a basic SCUBA designation from a certified school or other licensing body), hang-gliding, rock climbing, paragliding, skydiving, parachuting, bungee jumping, mountaineering, rodeo, heli-skiing, any downhill skiing or snowboarding outside marked trails or any cycling racing event or ski racing event.
18. Renal dialysis or organ transplants.
19. Rehabilitation and convalescent homes or holidays for recuperative purposes.
20. Noncompliance with any prescribed medical treatment (as determined by Global Excel) or failure to carry out a physician’s instructions.
21. Medical services for any injury that occurred, or sickness that started in your country of origin during the coverage period (except as otherwise specified); or any expenses incurred outside of Canada where less than 51% of the period of coverage was spent in Canada.
22. Treatment or surgery during your stay when your visit is undertaken for the purpose of securing or with the intent of receiving medical or hospital services, whether or not such visit is done on the advice of a physician or surgeon; or a sickness, injury or related condition for which it was reasonable to expect treatment or hospitalization during your stay.
23. Treatment of an acute sickness or injury after the initial medical emergency has ended (as determined by the Insurer); or after the Insurer has requested that you return to your country of origin.
24. Emergency air transportation unless approved and arranged in advance by Global Excel.
25. Any sickness, injury or medical condition you suffer or contract, or any loss you incur in a specific country, region or area for which the Government of Canada, including Foreign Affairs, Trade and Development Canada, has issued a travel advisory or formal notice, before your departure date, advising travellers to avoid non-essential travel or to avoid all travel to that specific country, region or area. If the travel advisory or formal notice is issued after your departure date, your coverage under this policy in that specific country, region or area will be limited to a period of 10 days from the date the travel advisory or formal notice was issued, or to a period that is reasonably necessary for you to safely evacuate the country, region or area.
26. Any administrative fees or charges above those specified in this policy.
27. Self exposure to exceptional risk, hazardous pursuits or occupations or flight accident (unless you are travelling as a fare-paying passenger on a commercial airline). 

Limitation of Benefits — Once you are deemed medically stable either in the opinion of the Insurer or by virtue of discharge from hospital, your emergency is considered to have ended, whereupon any further consultation, treatment, recurrence or complication related to the emergency will no longer be eligible for coverage under this policy.

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. 

buy online

Back to Top

HomeDisclaimerPrivacy PolicyAbout UsJob OpportunityContact Us
 
manulife, blue cross, tic, travel underwriters, aig travel guard, gms, efts, img, mnui, seven corners, 21st century