to 79 Vacation Plan"
Royal & Sun Alliance Insurance Company of Canada)
for ages 60-79 on the application date, for
trips up to 30 days
This plan 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.
This insurance provides emergency medical coverage to a maximum
of $5 million CAD per insured, per trip. No medical
questionnaire is required, however, you must meet the
* For longer trips you
can apply for travel medical insurance with
on the application.
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 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.
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.
Coverage for pre-existing
insurance does not cover losses or expenses caused directly or
indirectly, in whole or in part, by:
sickness, injury or medical condition (other than a minor
ailment) that was not stable in 90 days prior
to each departure date.
heart condition, if any heart condition was not stable
in 90 days prior to each departure date.
lung condition, if:
a) Any lung
condition was not stable in 90 days prior to
each departure date; or
b) You have
been treated with home oxygen or taken oral steroids (e.g.,
prednisone) for any lung condition in 90 days prior to each
Stable means any medical condition (other than a minor
ailment) for which all the following statements are true:
has been no new diagnosis, treatment or prescribed medication;
has been no 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
Exceptions: the routine adjustment of Coumadin, Warfarin,
insulin or oral medication to control diabetes (as long as they
are not newly prescribed or stopped) and a change from a brand
name medication to a generic brand medication (provided that the
dosage is not modified).
have been no new symptoms, more frequent symptoms or more severe
have been no test results showing deterioration;
has been no hospitalization or referral to a specialist (made or
recommended) and you are not awaiting results of further
investigations for that medical condition.
Pre-existing medical conditions which do not meet the stability requirements
above are not covered. Please refer to the Policy wording for details of the coverage provided, exclusions, limitations, conditions
and claim procedure.
What to do when you got sick or injured
Have your policy
confirmation with you at all times. You will
find the phone number of the Assistance Centre on the Broker
Confirmation of Insurance and the Policy wording (pg.1).
IN THE EVENT OF AN EMERGENCY: You must call
Global Excel Management Inc. immediately:
From Canada and U.S. call TOLL FREE 1-800-715-8833
From Mexico call TOLL FREE 001-800-514-7798
From Australia call TOLL FREE 1-800-002-554
From the Dominican Republic call TOLL FREE 1-888-751-4335
From anywhere call COLLECT +819-566-8839
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 may limit benefits (see Section V - Limitations
Daily rates for
60 to 79 Vacation Plan
A 5% Traveling companion
Min premium is $25 per
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