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Sunday, April 30th, 2017

RSA
Visitors Insurance

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Benefits
Exclusions
Claims
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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 based on your needs: $10,000; $15,000; $25,000; $50,000; $100,000; or $150,000
  - Hospital accommodation ward accommodation
  - 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 approved in advance by Global Excel)
  - Private Duty Nurse.
  - Ambulance services

  - 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 when approved in advance by Global Excel.
  - Accidental dental of up to $3,000 in case of accident.
  - Emergency dental for relief of pain - up to $500.
  - Emergency air transportation when arranged with Global Excel.
  - Return of remains -$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.
  - Air Flight Accident - up to the sum insured in case of death as a result of air flight accident.

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:
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.
AGE AND PERIOD LIMITS
:
Visitors must be at least 15 days of age. The maximum period of coverage is 365 days. 
DEDUCTIBLE: deductible of $100 applies, per insured person, per covered emergency. Additional deductible options of $0 and $1,000 are also available. For age 86 or greater - $500 deductible only is available.
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.
   - 7 days if the policy is purchased after 30 days of your arrival in Canada.
   - 15 days if you are age 86 or older and if you purchased your policy after the arrival date.
PRE-EXISTING CONDITIONS: any medical condition, sickness or injury for which at any time prior to the effective date, you have experienced symptoms, you have received medical care, advice, investigation or medical treatment, you have been hospitalized, you have been prescribed (including prescribed as needed) or have taken medication, or you have undergone a medical surgical procedure.

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 mediation 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 your had symptoms, hospitalization, taken medication or medical procedure at any time in the 120 days prior to your effective date.

PREGNANCY: This insurance does not cover losses or expenses caused directly or indirectly, in whole or in part, by:
   -  Pregnancy, childbirth or complications of either, occurring in the 9 weeks before or after the expected date of delivery.
   -  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.
   -  For insured children under two (2) years of age: Any sickness or medical condition arising from or related to a birth defect. 

OTHER EXCLUSIONS: This insurance does not cover losses or expenses caused directly or indirectly, in whole or in part, by:
- Expenses for which no charge would normally be made in the absence of insurance.
- Committing or attempting to commit an illegal act or a criminal act.
- Suicide (including any attempt thereat) or self-inflicted injury whether or not you are sane.
- A disorder, disease, condition or symptom that is emotional, psychological or mental in nature unless you are hospitalized.
- Medication, drugs or toxic substance abuse or overdose (whether or not you are sane); 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.
- 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.
- Hospitalization or services rendered in connection with general health examinations for “checkup” 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.
- Non compliance with any prescribed medical therapy treatment (as determined by the Insurer) or failure to carry out a physician’s instructions.
- Treatment of an acute sickness or injury after the initial emergency has ended (as determined by the Insurer).
- 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.
- 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.
- Magnetic resonance imaging (MRI), computerized axial tomography (CAT) scans, sonograms, ultrasounds or biopsies unless approved by Global Excel.
- Emergency air transportation and/or car rental unless approved and arranged in advance by Global Excel.
- Services provided by an optometrist or for cataract surgery.
- 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.
- Flight accident (unless you are travelling as a fare paying passenger on a commercial airline).
- 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.
- Crowns and root canals.
- Preventive medicines or vaccines. 
- Any medical treatment outside Canada when the emergency occurred in Canada. 
- 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).
- 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. 

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. All documents have to be mailed to: Global Excel Management Inc.

FAQ:

REFUNDS:
If cancellation of your policy is requested prior to the effective date of your policy, the full premium will be refunded. A partial amount (less administration fee of $25 per insurance policy) if terminated because of your early departure to the 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 no later than 90 days from the date of your departure or eligibility of provincial health care plan. Once your broker 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.

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 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. 

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). 

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).

ABOUT RSA:
Visitors to Canada 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.
The Global Excel logo is a registered trademark of Global Excel Management Inc.  

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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