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Destination Student

 

 

RSA Travel Insurance

Emergency Medical Insurance for International Students

 

Get a Quote & Buy Online

 

Who can apply?

The applicant must:

a) be a student who is admitted to and enrolled in a minimum of 60% of the usual course requirements and attending a recognized Canadian institution of learning; or

b) be a student completing post-doctorate research in a recognized Canadian institution of learning;

c) be a dependent of the covered student.

 Policy Wording

 Key Features

 Summary of Medical Coverage

 Pre-Existing Medical Condition &

    other Exclusions

 Rates

 What to do if you get sick or injured

For assistance and to buy insurance

please call at  416-493-0101,

1-877-443-0101

or Ask your question ONLINE

 

Important Notice regarding claim procedure !

IN THE EVENT OF HOSPITALIZATION, YOU MUST CALL GLOBAL EXCEL WITHIN 48 HOURS OF ADMISSION:

From Canada and U.S., call toll free 1-800-715-8833 / From Mexico, call toll free 001-800-514-7798 / From anywhere, call collect 819-566-8839. Failure to do so limits benefits to 80% of eligible expenses (see Section VI of the Policy wording - Limitations and Restrictions).

 

WHAT COVERAGE WILL YOU HAVE ?

Who is eligible for this insurance?

To be eligible for coverage under this plan 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;

d) know of no reason to seek medical attention

 

Effective Date — Your insurance policy commences:

a) on the date shown on the application provided the premium has been paid; and

b) for the Air Flight/Common Carrier Accident Benefit only: the date and time you board the airplane in your country of origin to fly to Canada, provided this policy has been purchased before your departure from your country of origin.

 

Termination of Insurance Your insurance policy terminates on the earliest of the following dates:

a) the date the principal insured (international/foreign student) permanently leaves the recognized Canadian institution of learning;

b) the date that you become eligible for a provincial or territorial government health insurance plan in Canada;

c) the termination date indicated on the application;

d) the date that you reach age 66; or

e) the date that you cease to be a spouse or a child of the principal insured as defined in this policy;

f) the date that coincide with the 31st day of a stay in the United States. (Insurance may be reinstated on the date of your return to Canada); and

g) for the Air Flight/Common Carrier Accident Benefit only: the date and time you disembark from the airplane after your flight to your country of origin from Canada

 

Traveling outside Canada.

This insurance provides payment for the reasonable and customary costs incurred by you in case of an emergency occurring while on a temporary visit outside of Canada until the initial emergency is resolved, and the condition is stabilized, provided at least 51% of the period of coverage is spent in Canada. Temporary visits to the United States are limited to 30 days per trip. 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 principal insured 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.

 

To stay longer than planned  

Coverage may be extended up to a maximum of 365 days, provided that:

a) a claim has not been made under this insurance;

b) you have not experienced any changes in your health since your effective date;

c) you remain eligible for insurance;

d) the Insurer has received the extension request and appropriate premium not more than 10 days prior to the expiry date of your coverage; and

e) the required premium is charged to your credit card.

Note: Coverage will be extended at the discretion of the Insurer. The minimum premium is $20.

 

SUMMARY OF BENEFITS

Lifetime maximum: $1 million

This insurance provides coverage for reasonable and customary costs incurred in case of an emergency for the following benefits:

  • Hospital Accommodation: up to 60 days per sickness or injury / semi-private room / medical treatment on an out-patient basis

  • Psychiatric Treatment: up to $10,000 when admitted to hospital, and up to $1,000 for outpatient consultations

  • Physician Charges: medical treatment by a physician

  • Diagnostic Services: laboratory tests and X-rays

  • Trauma Counselling: 6 sessions

  • Paramedical Services: speech therapist, physiotherapist, chiropractor, osteopath, naturopath, acupuncturist, chiropodist or podiatrist, up to $500 per profession

  • Prescription Drugs: limited to a 30-day supply per prescription

  • Private Duty Nursing: up to $10,000 per sickness or injury

  • Medical Appliances: crutches, casts, splints, canes, and others / 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

  • Treatment of Dental Accident: up to $4,000

  • Emergency Relief of Dental Pain: when a minimum of 180 days of coverage has been purchased, up to $600 for the relief of acute dental pain

  • Impacted Wisdom Tooth: up to $100 per tooth for the extraction of wisdom teeth

  • 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)

  • Ambulance Services: when medically necessary

  • Emergency Air Transportation: when approved in advance and medically necessary

  • 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

  • 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

  • Preparation and Return of Remains: up to $10,000

  • Accidental Dismemberment or Total Permanent Loss of use of limb or sight: up to $15,000

  • Accidental Death: $15,000

  • Air Flight/Common Carrier Accident: up to $100,000 in case of death

The following benefits are payable when they are medically necessary, no emergency is required:

  • 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

  • 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

  • Accessibility Corrective Device, Malfunction and Theft Protection: up to $1,000 to replace or repair a corrective device

Exclusions and Limitations. Student medical insurance does not cover everything. This insurance has exclusions, conditions and limitations.  

A Pre-Existing Medical Condition  exclusion may apply to a medical condition and/or symptoms that existed prior to your trip.  This insurance does not cover losses or expenses caused directly or indirectly, in whole or in

part, by:

1) Sickness or injury that is confining you to hospital or that is under active treatment on the effective date of the policy.

2) Sickness or injury for which in the 90 days prior to the effective date:

a) symptoms appeared;

b) you sought the attention of a physician or a paramedical practitioner;

c) you were diagnosed or treated; or

d) medication was prescribed or there has been a 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.

However, this exclusion does not apply to losses or expenses caused by sickness or injury for which, during the 90 days prior to the effective date a physician or paramedical practitioner, following a check-up, observed no adverse change in a previously noted condition, symptom or problem.

 

Some other exclusions:

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;

Pregnancy, childbirth, voluntary termination of pregnancy and any complications thereof except as otherwise specified under the “Maternity” benefit;

Any eating disorder or weight problem;

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(see SECTION V benefits # 1, # 3, # 5 and # 24).

Participation in:

a) any sports as a professional athlete (person who engages in an activity as one’s main paid occupation);

b) any competitive motorized sporting events, racing or speed contests;

c) 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;

Drugs: 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.

Refer to the Policy Wording  for  the complete list of exclusions (SECTION VII).

 

Note: This information is an illustration only. For the complete terms, benefits, conditions and exclusions please see the policy document.

 

What to do if you get sick or injured.

Have your policy confirmation with you at all times. In the event of sickness or injury which may result in claim, contact GLOBAL EXCEL at the telephone numbers shown on your policy document and the Policy Wording.  When contacting GLOBAL EXCEL, please provide your name, your policy number, your location and the nature of your emergency.

 

Important Notice regarding claim procedure !

IN THE EVENT OF HOSPITALIZATION, YOU MUST CALL GLOBAL EXCEL WITHIN 48 HOURS OF ADMISSION:

Failure to do so limits benefits to 80% of eligible expenses (see Section VI of the Policy wording - Limitations and Restrictions).

 

To apply for benefits under this policy, you will need to send a completed claim form (with all original bills attached) to GLOBAL EXCEL . Consult the claim guidelines in Section VI of the Policy Wording .

 

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.

Failure to Notify Global Excel Failure to notify Global Excel within 48 hours of your admission to hospital limits benefits to 80% of all eligible expenses incurred. 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. If it is not reasonably possible for you to contact Global Excel due to the nature of your medical emergency, you must have someone else call on your behalf or you must call as soon as medically possible.

 

 

Rates

(per person)

 

Minimum premium

$25

Student

$2.22 per day

Each Dependent

$2.56 per day 

Rates and products described are subject to change without prior notice

Dependent :

a) a spouse, aged 65 or less, who is legally married to a covered student or who has been residing with a covered student for at least the last 12 months; or

b) an unmarried child, who is a dependent of a covered student and who is between 15 days and 21 years of age, or is a full-time student who is under 26 years of age at the time of purchase and residing with a covered student in Canada; or

c) a child of any age, the child has a permanent physical impairment or a permanent mental deficiency on the date of purchase and who is a dependent of the covered covered student.

 

For more information, free consultation and to purchase a policy please call Natalia  at

 416-493-0101, 416-458-4577  

 

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Investments:    RESP     RRSP     TFSA    Segregated Funds

Revised: May 31, 2018