What coverage will you have?

Emergency Medical Insurance

Eligibility. To be eligible for Medical coverage you must:

•  be a Canadian resident and be covered under a government health insurance plan of your Canadian province or territory of residence for the entire duration of your trip;

•  NOT be travelling against the advice of a physician;

•  have never been diagnosed with a terminal illness (A Terminal illness means that you have a medical condition that is cause for a physician to estimate that you have less than 6 months to live or for which palliative care has been received);

•  have never been diagnosed with metastatic cancer (Metastatic cancer means a cancer that has spread from its original site to one or more other area(s) of the body)

•  NOT have a kidney disease requiring dialysis;

•  NOT have been prescribed or used home oxygen during the 12 months prior to your date of application.

•  be at least 15 days old.

Single-Trip Plan: Provides coverage for a single trip outside of your province or territory of residence (Canada Plan) or outside Canada. May be purchased as a Top Up to commence on the day after the expiry of another insurance plan.

If you are travelling within Canada, coverage must be purchased prior to departure from your province or territory of residence. If you are travelling outside of Canada, coverage must be purchased prior to departure from Canada. Coverage must be purchased for the entire duration of your trip unless topping up another coverage.

Applicants 60 years old and over must complete the Medical questionnaire on the Application to determine their eligibility and rate category. If your health changes or does not remain stable between the date you complete and submit the Application and your effective date, you must review the medical questions on the Application with your broker or sales agent to re-assess your eligibility. If you are no longer eligible for the insurance plan you purchased and you fail to contact your broker or sales agent, your claim will be denied, the Insurer will void your policy, and the premium paid will be refunded. This means no benefits will be covered and you will be responsible for all expenses relating to your sickness or injury.

60 to 79 Vacation Plan

RSA also offers "60 to 79 Vacation Plan", which provides coverage for a single trip outside your province or territory of residence or Canada, for a maximum of 30 consecutive days. You must be age 60 to 79 on the purchase date of the insurance. Top-ups or Extensions are available up to maximum trip duration of 30 days. No medical questionnaire is required, however you must meet the eligibility requirements. Please click here  for pre-existing medical conditions coverage. Rates.

 

Multi-Trip Annual Plans provide emergency medical coverage for any number of trips outside Canada taken within one (1) year, commencing with the effective date as shown on your confirmation. You can choose from 4, 9, 16, 30 day-per-trip plans (30-day  plan is not available for applicants 80 years old and over). For any trip which is longer, Top Up coverage is available by purchasing a Single Trip Daily Plan.

All multi-trip plans provide coverage for unlimited travel within Canada (excluding your province of residence) up to the number of days allowed by your provincial health care plan.

Trips must be separated by a return to your province, territory of residence or Canada.

In the event of a claim, you will be required to provide proof of your departure date and your return date.

 

Savings and Deductibles

Deductible. Deductible options $250, $500, $1,000, $5,000, $10,000 are available for premium discount.

Family Plan. Available up to age 59 and offers coverage the spouse and children of the insured person.  Child(ren)  means unmarried child(ren) under 21 years of age and a full time student who is under 26 years of age. The premium for family coverage is calculated at two times the premium for the eldest adult of age 59 and under.

5% Travel Companion Savings for Any Emergency Medical Plan: This is available on all plans.

 

Optional Extensions After Your Departure: Extensions may be available for the Single Trip Daily Plan, including the Canada Plan and the 60 to 79 Vacation Plan (up to a total trip duration of 30 days for the 60 to 79 Vacation Plan).

a) Your additional coverage must be purchased for the entire number of remaining days of your trip.

b) Your additional coverage may be purchased after the departure date but before the expiry of prior coverage.

c) You must pay the required premium prior to the effective date of the extension.

 

Refunds.

MULTI-TRIP ANNUAL PLAN: The premium paid is non-refundable after the effective date of coverage. However, you have the right to cancel this policy within 10 days of receipt of the contract and receive a full refund.

SINGLE TRIP DAILY PLAN: A full refund of the premium paid will be made provided that a written request is received by your broker or sales agent prior to the effective date of coverage.

For Top Ups, a full refund of the premium paid will be made provided that a written request is received by your broker or sales agent prior to the effective date.

The premium paid (less an administration fee of $25 per insurance policy) may be partially refunded in the event that you must return to your province, territory of residence or Canada prior to your scheduled return date, provided no claim has been incurred at any time during your policy.

 

Summary of Emergency Medical Benefits

Emergency Medical Insurance covers you for up to $5,000,000 CAD of covered expenses incurred by you as a result of medical attention required by you during your trip if a medical emergency begins unexpectedly after you leave home.

Benefit	Details
Hospital Accommodation	Charges up to the semi-private room rate (or an intensive or coronary care unit where medically necessary).
Physician Fees	Medical treatment by a physician.
Diagnostic Services	Laboratory tests and x-rays prescribed by the attending physician due to an emergency. Note: This policy does not cover magnetic resonance imaging (MRI), cardiac catheterization, computerized axial tomography (CAT) scans, sonograms, ultrasounds and biopsies unless such services are approved in advance by Global Excel.
Paramedical Services	Services of a licensed chiropractor, chiropodist, osteopath, podiatrist or physiotherapist, including x-rays, to a maximum of $300 per profession listed, when approved in advance by Global Excel.
Prescription Drugs	Drugs, serums and injectables, limited to a 30-day supply per prescription, unless you are hospitalized. This benefit does not cover drugs, serums and injectables needed to stabilize a chronic condition or a medical condition which you had before your trip.
Ambulance Services	When reasonable and medically necessary, licensed ground ambulance service to the nearest hospital (also covers taxi fare in lieu of ground ambulance).
Medical Appliances	When approved in advance by Global Excel, minor appliances such as crutches, casts, splints, canes, slings, trusses, braces, walkers and/or the temporary rental of a wheelchair.
Private Duty Nursing	The professional services of a private registered, when medically necessary and while hospitalized, to a maximum of $5,000 per insured person, when approved in advance by Global Excel.
Emergency Air Transportation	When approved and arranged in advance by Global Excel a) Air ambulance to the nearest appropriate medical facility or to a Canadian hospital for medical treatment; b) Transport on a licensed airline with an attendant (when required) for emergency return to your province or territory of residence for immediate medical attention; c) The fare for additional airline seats to accommodate a stretcher to return you to your province or territory of residence; or d) Up to the cost of a one-way economy airfare to your province or territory of residence.
Qualified Medical Attendant	Fees for a qualified medical attendant (other than an immediate family member), when approved in advance and arranged by Global Excel.
Transportation to Bedside	When approved in advance by Global Excel, a round-trip economy airfare from Canada and up to $150 per day to a maximum of $1,500 per policy for the cost of meals and commercial accommodation will be provided for a person: a) Be with you when you are travelling alone and have been hospitalized for at least seven consecutive days outside your province, territory of residence or Canada. b) Identify the deceased insured prior to the release of the body, where necessary.
Return of Insured Travel Companion	When approved in advance by Global Excel, the cost of a one-way economy airfare to return your insured travel companion to your province or territory of residence if you are returned under the Emergency Air Transportation or Preparation and Return of Remains benefit.
Treatment of Dental Accidents  &  Emergency Relief of Dental Pain	Emergency dental treatment at trip destination to a maximum of $2,000 to repair or replace sound natural teeth or permanently attached artificial teeth injured as the result of an accidental blow to the face. Up to $350 per insured person for emergency relief of dental pain at trip destination. This benefit excludes crowns and root canals.
Out-of-Pocket Expenses	When approved in advance by Global Excel, reasonable, necessary expenses incurred by you or an insured travel companion for commercial lodging and meals, commercial automobile rental, or taxi transportation and parking fees up to $150 per day to a maximum of $1,500 per policy.
Vehicle Return	Up to $3,000, when approved and arranged in advance by Global Excel.
Preparation and Return of Remains	In the event of your death, up to a maximum of $5,000 per policy towards the actual cost incurred for preparation of remains
Escort of Children (and Grandchildren)	When approved in advance by Global Excel: a) Organization, escort and payment up to the cost of a one-way economy airfare for the return of your insured children or grandchildren; or b) Reimbursement of up to $1,000 for the services of a caregiver (other than an immediate family member)
Pet Return	to a maximum of $500
Remote Evacuation	Your emergency evacuation from a mountainous area, the sea, or other such remote location to the nearest, most reasonably accessible medical facility or hospital, to a maximum of $5,000
Hospital Allowance	When you are hospitalized, Insurer will reimburse you for your telephone, parking and television charges up to $250 per policy.

 

Exclusions and limitations.  Travel medical insurance does not cover everything. This insurance has exclusions, conditions and limitations. Please read them and understand the policy before you buy this insurance.

Pre-existing Medical Condition exclusion :

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 (other than a minor ailment) that was not stable at any time during the applicable Pre-Existing Period prior to each departure date.

2. Your heart condition, if any heart condition was not stable at any time during the applicable Pre-Existing Period prior to each departure date.

3. Your lung condition, if:

a) Any lung condition was not stable; or

b) You have been treated with home oxygen or taken oral steroids (e.g., prednisone) for any lung condition;

at any time during the applicable Pre-Existing Period prior to each departure date.

 

For applicants 54 years of age and under,  Pre-existing period is 90 days .

For applicants 55 years of age and over, Pre-existing period may be  90 days or 365 days depending on the answers to medical questions on the application.

For 55 to 79 Vacation Plan, Pre-existing period is 90 days

For Canada plan, pre-existing medical condition exclusion is not applicable.

 

Some other exclusions:

● A trip outside your province or territory of residence on a commercial vehicle for the purpose of delivering goods or carrying a load. This exclusion applies to the driver, the operator, a co-driver, a crew member and any other passenger of the commercial vehicle.  

● Expenses incurred as a result of symptomatic or asymptomatic HIV infection, HIV-related conditions and AIDS (Acquired Immune Deficiency Syndrome), including any associated diagnostic tests or charges.

●  Treatment or hospitalization of mother or child(ren) as a result of pregnancy, miscarriage, childbirth or complications of any of these conditions occurring in the 9 weeks before and/or after the expected delivery date.

●  Treatment of a sickness or injury after the initial medical emergency has ended (as determined by the> Insurer).

● 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.

● Any loss incurred in a city, region, or country when, prior to the effective date, the Department of Foreign Affairs and International Trade of the Canadian Government issued a written warning to avoid all travel, or to avoid non-essential travel, to that city, region, or country.

Please refer to the policy wording for all exclusions, conditions and limitations (sections V, VI).

 

 What to do if you got sick or injured !

In the event of an emergency during a covered trip, you must call Global Excel immediately, prior to seeking treatment. Please find the phone numbers on your policy confirmation and the Policy wording (pg.1).

If it is not reasonably possible for you to contact Global Excel prior to seeking treatment due to the nature of your emergency, you must have someone else call on your behalf or you must call as soon as medically possible.

Failure to do so limits benefits payable to:

a) In the event of hospitalization, 80% of eligible expenses, based on reasonable and customary costs, to a maximum of $25,000; and

b) In the event of an outpatient medical consultation, a maximum of one visit per sickness or injury. You will be responsible for payment of any remaining charges.

Please refer to the policy wording (pg. 3 Section VIII)) for the claim procedures.

 

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Non-Medical Travel Insurance (Single-Trip and Multi-Trip Annual)

Multi-Trip Non-Medical Annual Plan

Provides coverage for any number of trips outside your province of residence taken within one (1) year, commencing with the effective date as shown on your confirmation. You can choose from 4, 9, 16, 30 day-per-trip plans (30-day  plan is not available for applicants 80 years old and over).

 

Single Trip Non-Medical Plan

Provides coverage for a single trip outside your province or territory of residence or Canada.

 

Benefits: Non-medical Travel insurance provides the following coverage (benefits listed are per insured)

 

Benefits	Multi-Trip Non-Medical Annual Plan	Single Trip Non-Medical Plan
Travel Cancellation	$2,500 per insured, per trip (maximum $5,000 per policy period and $10,000 per family, per policy period )	Up to sum insured per policy period
Travel Interruption	$5,000 per insured, per trip (maximum $ 10,000 per policy period and $20,000 per family, per policy period )	Up to sum insured per policy period
Accidental Death and Dismemberment Insurance
Flight Accident	$150,000	$150,000
Common Carrier Accident	$75,000	$75,000
24-Hour Accident	25,000	$25,000
Travel Baggage and Personal Effects Insurance	$1,000 per insured, per trip (maximum 2,000 per policy period and $4,000 per family, per policy period)	$1,000
Baggage Delay	$400 per insured, per trip (maximum 800 per policy period and $1,600 per family, per policy period)	$400

 

 

Claim procedures (non-medical policy).

IN THE EVENT YOU HAVE TO FILE A CLAIM YOU MUST CALL GLOBAL EXCEL ON THE DAY THE INSURED RISK OCCURS OR ON THE NEXT BUSINESS DAY: From Canada and U.S., call 1-800-715-8833/ From anywhere, call collect 819-566-8839.

Please refer to the Policy Wording for the claim procedures.

 

NOTE: The product-related information above is for illustration purpose only. Please refer to the Policy wording for details on the coverage provided, conditions, exclusions, limitations  and claim procedure.

If you have questions, need assistance and to buy insurance, please call at 

416-493-0101,    1-877-443-0101

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