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.
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.
What coverage you will
Emergency Medical Insurance
To be eligible for Medical coverage you must:
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;
never been diagnosed with a
(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
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
NOT have been
prescribed or used home oxygen during the 12 months prior to
your date of application.
at least 15 days old.
NOTE: 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.
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.
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.
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
for pre-existing medical conditions coverage.
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
Savings for Any Emergency Medical Plan:
This is available on all plans.
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
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
c) You must pay the required premium prior
to the effective date of the extension.
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
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.
Emergency Medical Benefits
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.
Charges up to the semi-private room rate
(or an intensive or coronary care unit where medically
Medical treatment by
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
computerized axial tomography
(CAT) scans, sonograms, ultrasounds and biopsies unless such
services are approved in advance by Global Excel.
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.
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
When reasonable and medically necessary,
licensed ground ambulance service to the nearest hospital (also
covers taxi fare in lieu of ground ambulance).
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
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.
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
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
Qualified Medical Attendant
Fees for a qualified
medical attendant (other than an immediate family member),
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
days outside your province,
territory of residence or Canada.
b) Identify the
deceased insured prior to the release of the body, where
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
Relief of Dental Pain
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
Up to $350 per
insured person for emergency relief of dental pain at trip
destination. This benefit excludes crowns and root canals.
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.
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
When approved in
advance by Global Excel:
escort and payment up to the cost of a one-way economy airfare
for the return of your
insured children or grandchildren;
b) Reimbursement of
up to $1,000 for the services of a caregiver (other than an
immediate family member)
to a maximum of $500
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
When you are
hospitalized, Insurer will reimburse you for your
telephone, parking and television charges up to $250 per
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. First
of all, it is a
Pre-existing Medical Conditions
: not all your medical conditions, which exist before and on the
date of application may be covered : please
click here for
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
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
Please refer to the policy wording for
all exclusions, conditions and
limitations (sections V, VI).
(Single-Trip and Multi-Trip Annual)
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).
Provides coverage for a single trip outside
your province or territory of residence or Canada.
Non-medical Travel insurance provides the following
coverage (benefits listed are per
Non-Medical Annual Plan
$5,000 per policy period
and $10,000 per family, per
Up to sum insured
$10,000 per policy period
and $20,000 per family, per
Up to sum insured
Accidental Death and
Common Carrier Accident
Travel Baggage and Personal
$2,000 per policy period
and $4,000 per family, per
$800 per policy period
and $1,600 per family, per
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
/ From anywhere, call collect 819-566-8839
Please refer to
for the claim procedures.
product-related information above is for illustration purpose
Please refer to the Policy
wording for details on the coverage provided,
conditions, exclusions, limitations and claim
If you have questions, need assistance
and to buy
insurance, please call at
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