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Thursday, September 21st, 2017

RSA
Visitors Insurance

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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:
   - Emergency Medical maximum coverage: $10,000; $15,000; $25,000; $50,000; $100,000; or $150,000
   - Ambulance services: licensed ground ambulance service (also covers taxi fare in lieu of ground ambulance).
   - Emergency air transportation: the cost of a one-way economy airfare, a stretcher or air ambulance and an attendant (when required) to the nearest appropriate medical facility or to return you to your country of origin. *
   - Hospital accommodation ward rate accommodation.
   - Physician services 
   - Diagnostic Services: Laboratory tests and X-ray prescribed by the attending physician due to an emergency. **
   - Private Duty Nurse when medically necessary and while hospitalized. 
   - Prescription Drugs - up to $500 limited to 30-day supply.
   - Medical appliances - rental of crutches, casts, splints, canes, slings, trusses, braces, walkers and wheelchairs. *
   - Professional services - up to $500 per professional service of a chiropractor, physiotherapist, osteopath, chiropodist or podiatrist; Acupuncture treatment - up to $500 when a 365-day policy is purchased. *
   - Accidental dental of up to $3,000 in case of accident.
   - Emergency dental for relief of pain - up to $500.
   - Return of remains – up to $10,000 for preparation and transportation to the country of origin; or up to a maximum of $4,000 for cremation and/or burial at the place of death. The cost of the casket or urn is not covered.
   - Air Flight Accident - up to the sum insured in case of death as a result of air flight accident.
   - Flight to/from Canada coverage: When this policy is purchased prior to leaving your country of origin, coverage will commence on the date of departure from your country of origin (date indicated on your plane ticket) for your uninterrupted trip to Canada. Your policy will expire on the date and time you arrive in your country of origin following an uninterrupted trip with no intention to return to Canada during the policy period.

* When approved and/or arranged in advance by Global Excel.
** Global Excel must approve in advance any magnetic resonance imaging (MRI), computerized axial tomography (CAT) scans, sonograms, ultrasounds or biopsies. Cardiac catheterization, angioplasty and/or cardiovascular surgery including any associated diagnostic test(s) or charges are not covered unless approved by Global Excel prior to being performed, except in extreme circumstances where such surgery is performed on an emergency basis immediately upon admission to a hospital.

ELIGIBILITY:
To be eligible for coverage under this plan, the applicant must:
  1. be a visitor to Canada, a person with a Canadian work visa or Super Visa, an immigrant to Canada or a Canadian resident, who is not eligible for a provincial or territorial government health insurance plan in Canada;
  2. be at least 15 days of age on the date of purchase;
  3. not be travelling against the medical advice of a physician and/or have been diagnosed with a terminal illness (less than 6 months to live).
  4. not have a kidney disease requiring dialysis;
  5. not have Congestive Heart Failure or require the use of home oxygen;
  6. not be experiencing new or undiagnosed symptoms and/or know of any reason to seek medical attention.
Note: Your spouse or child(ren) must also meet all the above criteria to be eligible for coverage under this plan.

WAITING PERIOD for sickness:
   - No waiting period if the insurance is purchased prior to your arrival in Canada or the policy has been extended.
   - 48 hours if the policy is purchased within 30 days of your arrival in Canada (age 0 to 85).
   - 7 days if the policy is purchased after 30 days of your arrival in Canada (age 0 to 85).
   - 15 days if you are age 86 or older and if you purchased your policy after the arrival date.

STABLE Pre-Existing Medical Condition(s) means:
     a) A condition which is under treatment and has been controlled by diet or consistent use of medication prescribed by a physician and for which in the 120 days prior to the effective date of this policy there has been:
         i.   no hospitalization; and
         ii.  no change in treatment, medication or dosage.
Exceptions: A reduction in dosage or an elimination of medication resulting from an improved health condition, approved by a physician, does not constitute a change in medication or dosage. A reduction or elimination of treatment resulting from an improved health condition, approved by a physician, does not constitute a change in treatment.
     b) A condition that existed more than 120 days prior to the effective date and which did not require treatment, as determined by a physician, during the 120 days prior to the effective date of this policy.
Plan 1: Provides coverage for stable pre-existing medical conditions in the 120 days prior to the effective date, up to the maximum sum insured option you selected at time of application. This plan is available for applicants age 79 or younger.
Plan 2: Provides NO coverage for any pre-existing medical conditions.  

Note: Each time you extend or purchase another policy from the insurance company because you are staying in Canada longer, each new or extended policy will have a new effective date and you will NOT be covered under the new or extended policy for any sickness, disease or bodily injury for which you had symptoms, hospitalization, taken medication or medical procedure at any time in the 120 days prior to your effective date.

EXTENSIONS: 
If you wish to remain in Canada beyond the expiry date of your policy, you may purchase a new policy subject to the policy terms, conditions, current age and premium schedule 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.
   e) you are not on a temporary trip outside of Canada.
Note: The minimum premium is $20 per policy. The cost of additional days of insurance will be calculated using the age of the insured person on the effective date of the new policy and using the premium schedule in effect at the time the extension is requested.

SIDE TRIPS:
A temporary visit to another country as part of your covered trip must:
    a) originate and terminate in Canada within the coverage period;
    b) not exceed 49% of your covered trip’s duration.
    c) a temporary visit to your country of origin is not covered (coverage ceases and then resumes when you return to Canada provided you are still eligible for coverage).
Note: Coverage under this plan terminates on the date when you exceed 49% of your policy period while visiting another country (other than your country of origin). You have to purchase a new policy, if you decide to return back to Canada from your side trip.

REFUNDS:
1. If cancellation of your policy is requested prior to the effective date of your policy and no travel has taken place, the full premium will be refunded.
2. If cancellation of your policy is requested after the effective date of your policy due to either of the following reasons:
     a) you must return to your country of origin prior to your scheduled return date; or
     b) you become eligible for a provincial or territorial health insurance plan in Canada;
a partial refund of premium (less an administration fee of $25 per insurance policy) may be refunded, provided no claim has been incurred at any time during your trip.
Note: Requests for refunds must be received in writing by your representative no later than 90 days from the date you became eligible and/or covered under a provincial or territorial government health care plan, or the date of your early return, or the expiry date of your policy. Once your representative receives satisfactory proof (e.g. airline ticket/boarding pass, customs/immigration stamp), of your early return, or proof of the date you became eligible and/or covered under a provincial or territorial government health insurance plan, your refund will be calculated from that date, 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 an emergency, you must call Global Excel immediately: 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 prior to receiving treatment or as soon as reasonably possible. Failure to do so limits benefits to 80% of eligible expenses to a maximum of $25,000 in the event of hospitalization, and to one outpatient consultation per sickness or injury.
 - 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. RSA is not responsible for charges incurred for preparation of these documents.
 - Send all documents 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. Pre-existing medical condition(s)
Any sickness, injury or medical condition for which at any time prior to your effective date:
a) you have experienced symptoms;
b) you have received medical care, advice, investigation or medical treatment;
c) you have been hospitalized;
d) you have been prescribed (including prescribed as needed) or have taken medication; or
e) you have undergone a medical or surgical procedure.
Exception: If you purchased Plan 1 - This exclusion does not apply to your stable pre-existing medical condition(s) in the 120 days prior to the effective date of this policy as defined in Section II -Definitions.
2. Applies following the purchase of an additional policy when you extend your trip:
Sickness or injury which first appeared, was diagnosed or received treatment prior to the effective date of the new policy. Each new policy will have a new effective date and the above exclusion 1. Pre-existing medical condition exclusion applies.
3. Waiting Period
a) If you are age 85 or under and you purchased coverage within 30 days after 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 are age 85 or under and you purchased coverage more than 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 7 days following the effective date of this policy.
c) If you are age 86 or over and you purchased coverage at any time 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 15 days following the effective date of this policy.
Exception: This exclusion shall not apply, when this policy is purchased on or prior to the expiry date of an existing Visitors to Canada Travel Insurance policy already issued by the Insurer, to take effect on the day following such expiry date provided no increase in the Sum Insured Option is applied for. The existing policy must be in effect on the date of purchase and there must be no gap in coverage.
4. Expenses for which no charge would normally be made in the absence of insurance.
5. Committing or attempting to commit an illegal act or a criminal act.
6. 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.
7. Suicide (including any attempt thereat) or self-inflicted injury.
8. A disorder, disease, condition or symptom that is emotional, psychological or mental in nature unless you are hospitalized.
9. Medication, drugs 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.
10. A trip taken for the purpose of seeking treatment, consultation or investigation for a medical condition for which, before your departure date, you knew or it was reasonable to expect you would need to seek treatment, consultation or investigation for that medical condition.
11. Routine pre-natal care.
12. 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.
13. 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.
14. Pregnancy, childbirth or complications of either, occurring in the 9 weeks before or after the expected date of delivery.
15. For insured children under two (2) years of age: Any sickness or medical condition arising from or related to a birth defect.
16. The replacement of an existing prescription, whether by reason of loss, renewal or inadequate supply, or the purchase of drugs and medications (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 an emergency.
17. Hospitalization or services rendered in connection with general health examinations for “check-up” purposes, treatment of an ongoing condition, regular care of a chronic condition, home health care, investigative testing, rehabilitation or ongoing care or treatment in connection with drugs, alcohol or any other substance abuse.
18. Non compliance with any prescribed medical therapy treatment (as determined by the Insurer) or failure to carry out a physician’s instructions.
19. Treatment of an acute sickness or injury after the initial emergency has ended (as determined by the Insurer).
20. Treatment, surgery, medication, services or supplies that are not required for the immediate relief of acute pain or suffering, or that you elect to have provided outside your country of origin when medical evidence indicates that you could return to your country of origin to receive such treatment. The delay to receive treatment in your country of origin has no bearing on the application of this exclusion.
21. Cardiac catheterization, angioplasty and/or cardiovascular surgery including any associated diagnostic test(s) or charges unless approved by Global Excel prior to being performed, except in extreme circumstances where such surgery is performed on an emergency basis immediately upon admission to a hospital.
22. Magnetic resonance imaging (MRI), computerized axial tomography (CAT) scans, sonograms, ultrasounds or biopsies unless approved by Global Excel.
23. Medical services in your country of origin.
24. Emergency air transportation and/or car rental unless approved and arranged in advance by Global Excel.
25. Services provided by an optometrist or for cataract surgery.
26. Upgrading charges and cancellation penalties for airline tickets, unless approved in advance by Global Excel.
27. 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.
28. Flight accident (unless you are travelling as a fare paying passenger on a commercial airline).
29. 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.
30. Crowns and root canals.
31. Preventive medicines or vaccines.
32. Medical examinations performed at the request of a third party (including medical examinations for immigration purposes) or consultations with a physician by telephone or e-mail.
33. 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.
34. Any medical treatment outside Canada when the emergency occurred in Canada.
35. 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).

 RATES:

PLAN 1 DAILY RATE - coverage for Stable Pre-Existing Medical Conditions
Single Rates
Age/Sum $10,000 $15,000 $25,000 $50,000 $100,000 $150,000
0-25 $2.04 $2.33 $2.60 $2.99 $4.68 $5.59
26-40 $2.23 $2.55 $2.86 $3.29 $5.22 $6.07
41-60 $2.74 $3.12 $3.50 $3.97 $6.55 $7.99
61-64 $3.08 $3.84 $4.60 $5.22 $6.91 $8.25
65-69 $3.74 $4.69 $5.65 $6.42 $7.73 $9.62
70-74 $5.72 $7.14 $8.58 $9.86 $13.22 N/A
75-79 $7.94 $9.88 $11.75 $15.30 $19.08 N/A
Family Rates(based on age of oldest person)
0-25 $4.08 $4.66 $5.20 $5.98 $9.36 $11.18
26-40 $4.46 $5.10 $5.72 $6.58 $10.44 $12.14
41-60 $5.48 $6.24 $7.00 $7.94 $13.10 $15.98
PLAN 2 DAILY RATE - NO coverage for Pre-Existing Medical Conditions
Single Rates
Age/Sum $10,000 $15,000 $25,000 $50,000 $100,000
50-60 $2.60 $2.97 $3.26 $3.78 $6.22
61-64 $2.86 $3.57 $4.19 $4.86 $6.42
65-69 $3.37 $4.22 $4.98 $5.77 $6.96
70-74 $4.58 $5.71 $6.73 $7.89 $10.57
75-79 $6.36 $7.91 $9.21 $12.25 $15.27
80-85 $8.99 $11.38 $13.71 $16.31 $20.69
86+ $13.82 $17.85 $21.08 $25.45 $31.81

   - Deductible applies per insured, per emergency. Standard deductible is $100. Add 5% for $0 deductible option. If you apply for $1,000 deductible you will save 20%.
   - Minimum Premium: $20.00
   - Family Plan: Applies to one or two adults living in the same residence and dependents age 22 or under (25 years old or under and a full-time student attending a recognized Canadian institution of learning, or any age and has a permanent physical impairment or a permanent mental disability on the date of application and is incapable of self-support).
   - Age: Based on our age as of the purchase date.
   - The maximum period of coverage is 365 days
   - The Products and rates 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 Visitors Insurance Policy PDF

RSA Visitors Insurance Claim Form PDF

Visitors to Canada Travel Insurance is underwritten by Royal & Sun Alliance Insurance Company of Canada and administrated by RSA Travel Insurance Inc.

The "RSA" and RSA Logo are trademarks owned by RSA Insurance Group plc, licensed by Royal & Sun Alliance Insurance Company of Canada.
Medi-Select Advantage is a registered trademark of RSA Travel Insurance Inc.
The Global Excel logo is a registered trademark of Global Excel Management Inc. 

 

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