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Emergency Medical Insurance for Seniors

Short Trips (No medical questionnaire required )

If your trip is not long, you may be eligible for travel emergency medical insurance with no medical questions on the application. RSA Vacation plan, Travelance Travel insurance, Destination Leisure plan do not require medical questionnaire. However, you must meet the eligibility requirements for this policy. This insurance pays for emergency medical expenses relating to your pre-existing medical condition, which has been stable in 90 or 180 day prior to the effective date of the policy (depending on your age and plan selected). All  plans provide worldwide coverage: Cuba, USA, Caribbean, Hawaii, cruises, Dominican Republic, etc.

 

RSA Vacation Plan  Travelance Travel Plan Destination Travel Leisure Plan

RSA Travel   

"60 to 79 Vacation Plan"

(Underwritten by Royal & Sun Alliance Insurance Company of Canada)

for ages 60-79 on the application date, for trips up to 30 days

Plan Details

Eligibility

Pre-existing conditions coverage

Rates

Claims

 

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 eligibility requirements.

* For longer trips you can apply for travel medical  insurance with Medical Questionnaire on the application.

  

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 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.

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 medical conditions

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 in 90 days prior to each departure date.

2. Your heart condition, if any heart condition was not stable in 90 days prior to each departure date.

3. Your 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 departure date.

 

Stable means any medical condition (other than a minor ailment) for which all the following statements are true:

a) There has been no new diagnosis, treatment or prescribed medication;

b) There 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 or type.

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).

c) There have been no new symptoms, more frequent symptoms or more severe symptoms;

d) There have been no test results showing deterioration;

e) There 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 and Restrictions).

 

Daily rates for 60 to 79 Vacation Plan

Age of Applicant

60-64 65-69 70-74 75-79

1-30 days

7.69 8.38 13.38 22.74

A 5% Traveling companion discount

Min premium is $25 per policy

 

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If you have questions about this coverage or want to purchase a policy,

please call at 1-877-443-0101, 416-493-0101 or click here to ask your question online

 September 03, 2017