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RSA Travel Insurance

 

               VISITORS TO CANADA TRAVEL INSURANCE     

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

 

 

Get your free online quote for Visitors to Canada health medical insurance: click on the link below and you will be redirected to the RSA Travel secure website. You will also have an option to buy and get your instant policy on your email directly from the insurance provider. Follow the on-screen prompts, or call us for assistance.

 

Get your quote and buy online


For assistance & to buy a policy,  
please call  1-877-443-0101,
 416-493-0101

What's on This Page

  Policy Wording

   Key Features

   Summary of Medical Coverage

 Pre-Existing Medical Conditions &

      other exclusions

   Rates

 What to do if you get sick or injured

Who can apply?   This policy is designed for :
-
Visitors to Canada,

- Persons with a Canadian work visa or Super Visa,
-
Immigrants to Canada or Canadian residents, who are not eligible for a provincial or territorial government health insurance plan in Canada

This insurance policy meets all requirements for parent & grandparent super visa health insurance for parents   and grandparents visiting Canada if amount of coverage purchased is $100,000 or greater and period of coverage is one year: Get a Quote.

 

What coverage will you have?

Eligibility

To be eligible for coverage under this plan, the applicant must:

Be a visitor to Canada, a  person with a Canadian work visa or Super Visa, an immigrant to Canada or a Canadian resident, who is not eligible for a provincial or territorial government health insurance plan in Canada;

Be at least 15 days of age on the date of purchase;

Not be travelling against the medical advice of a physician and/or have 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.

Not have a kidney disease requiring dialysis;

Not have Congestive Heart Failure, AIDS or require the use of home oxygen;

Not be experiencing new or undiagnosed symptoms and/or know of any reason to seek medical attention.

Note: Your spouse and/or child(ren) must also meet all the above criteria to be eligible for family coverage under this plan.

 

Age. The applicant has to be at least 15 days old.

 

Amount of coverage (Sum Insured) available: $15,000, $25,000, $50,000, $100,000, $150,000, $300,000

 

Deductible applies per insured per emergency.

   Age 85 or under

   Age 86 or over

 $100 deductible (automatic)

 $500 deductible (automatic)

 $0 deductible (add 5%)

 $1,000 deductible (subtract 20%)

 

 

 

 

 

 

 

Waiting period. 

No waiting period if you purchased a policy prior to the arrival date.

When coverage is purchased after your arrival in Canada, the following waiting periods apply:

Age 85 or under:

a) If coverage is purchased within 30 days after arrival in Canada, you will not be entitled to receive reimbursement for sickness or symptoms which manifested, or were contracted, or treated within 48 hours following the effective date of this policy.

b) If coverage is purchased more than 30 days after your arrival in Canada, then you will not be entitled to receive reimbursement for sickness or symptoms which manifested, or were contracted, or treated within 7 days following the effective date of this policy. 

Age 86 or over:

a) If coverage is purchased at any time after your arrival in Canada, then you will not be entitled to receive reimbursement for sickness or symptoms which manifested or were contracted or treated within 15 days following the effective date of this policy.

The waiting period may be waived if this policy:

-  is purchased on or prior to the expiry date of an existing policy already issued by the Insurer to take effect on the day following such expiry date, provided no increase in the Sum Insured Option is applied for; or

-  the Insurer specifically waives or modifies the waiting period in writing.

 

Family plan is available. Family includes you and/or your spouse and your child(ren) when your names appear on the application or confirmation of insurance. Coverage dates are the same for all family members. All family members must live at the same address while in Canada.

The premium for family coverage is calculated at two times the premium for the eldest adult.

 

Travel worldwide.

A temporary visit to another country as part of your covered trip must:

a) originate and terminate in Canada;

b) not exceed 49% of your covered trip’s duration.

c) a temporary visit to your country of origin is not covered (coverage ceases and then resumes when you return to Canada provided you are still eligible for coverage).

 

Extending Your Visit

If you wish to extend your trip, you may purchase a new policy with a new effective date and expiry date provided that:

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

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

c) you remain eligible for insurance;

d) the request for the new policy is received prior to the expiry date of your coverage;

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

 

Premium Refunds

Full refund: If cancellation of your policy is requested prior to the effective date of your policy, the full premium will be refunded.

Partial refund: If termination of your policy is requested because you must return to your country of origin prior to your scheduled return date, or you become eligible and/or covered under a provincial or territorial government health insurance plan during the period of coverage, a partial refund of premium (less an administration fee of $25 per insurance policy) may be refunded, provided no claim has been incurred at any time during your trip.

 

MEDICAL AND HOSPITAL BENEFITS

Benefit

Details

 Hospital Accommodation

Reasonable and customary costs up to the ward rate or coronary care unit where medically necessary.

Treatments on an outpatient basis in a hospital.

Emergency Medical

Emergency means that you require immediate medical treatment for the relief of acute pain or suffering resulting from an unexpected and unforeseen sickness or injury occurring while on a covered trip and that such medical treatment cannot be delayed.  

 

Physician Charges: Medical treatment by a physician.

Diagnostic Services: Laboratory tests and X-rays prescribed by the attending physician.

Note: This policy does not cover magnetic resonance imaging (MRI), cardiac catheterization, computerized axial tomography (CAT) scans, sonograms, ultrasounds, or biopsies unless such services are approved in advance by Global Excel.

Private Duty Nursing: for a covered emergency when medically necessary and while hospitalized, when ordered by the attending physician and approved in advance by Global Excel.

Ambulance Services: Licensed ground ambulance service (also covers taxi fare in lieu of ground ambulance) to the nearest hospital.

Prescription Drugs: Up to $500, limited to a 30-day supply per prescription, unless you are hospitalized, drugs, serums and injectables that can only be obtained upon medical prescription.

Medical Appliances: when prescribed by a physician and approved in advance by Global Excel.

Paramedical Services: chiropodist, chiropractor, osteopath, physiotherapist or podiatrist up to a maximum of $500, provided such treatment is prescribed by a physician and approved in advance by Global Excel.

Acupuncture Treatment: When a 365-day policy is purchased, up to a maximum of $500 for acupuncture treatments provided such treatment is approved in advance by Global Excel.


Treatment of Dental Accident

Emergency dental treatment to a maximum of $3,000 to repair or replace sound natural teeth or permanently attached artificial teeth as result of an accidental blow to the face.

Emergency Relief of Dental Pain

Emergency treatment for the relief of acute pain to natural teeth, excluding fillings and repairs to dentures or other dental devices, to a maximum of $500 during the coverage period. This benefit excludes crowns and root canals.

Emergency Transportation and Repatriation

When approved in advance and arranged by Global Excel, the following benefits apply to return you to your country of origin or your province or territory of residence in Canada.

a) Air ambulance to the nearest appropriate medical facility, to a Canadian hospital or to a hospital in your country of origin for medical treatment

b) Transport on a licensed airline with an attendant (when required) for your emergency return to your country of origin or your province or territory of residence in Canada for immediate medical attention;

c) The fare for additional airline seats to accommodate a stretcher to return you to your country of origin or your province or territory of residence in Canada;

d) Up to the cost of a one-way economy airfare to return you to your country of origin or your province or territory of residence in Canada.

Preparation and Return of Remains

 In the event of death, up to a maximum of $10,000 towards the actual cost incurred for preparation of remains and homeward transportation of the deceased insured person to his/her country or origin; or up to a maximum of $4,000 for cremation and/or burial at the place of death of the insured person.

Air Flight Accident

Up to the sum insured in case of death as a result of an injury sustained during the period of coverage while travelling as a fare-paying passenger on a commercial airline.

 

Exclusions and limitations. Visitors to Canada medical insurance does not cover everything. This insurance has exclusions, conditions and limitations.

A Pre-Existing Medical Condition  exclusion:

Plan 1 : Provides coverage for stable pre-existing medical conditions in the 120 days prior to the effective date, up to the maximum sum insured option you selected as indicated on your confirmation of insurance. This plan is available for applicants age 79 or younger.

Plan 2 : Provides no coverage for any pre-existing medical conditions. This plan is available for applicants age 50 or over.

Pre-existing medical condition(s) means:

Any sickness, injury or medical condition for which at any time prior to your effective date:

a) you have experienced symptoms;

b) you have received medical care, advice, investigation or medical treatment;

c) you have been hospitalized;

d) you have been prescribed (including prescribed as needed) or have taken medication; or

e) you have undergone a medical or surgical procedure.

Stable Pre-Existing Medical Condition means:

a) A condition which is under treatment and has been controlled by diet or consistent use of medication prescribed by a physician and for which in the 120 days prior to the effective date of this policy there has been:

i. no hospitalization; and

ii. no change in treatment, medication or dosage.

Exceptions: A reduction in dosage or an elimination of medication resulting from an improved health condition, approved by a physician, does not constitute a change in medication or dosage. A reduction or elimination of treatment resulting from an improved health condition, approved by a physician, does not constitute a change in treatment.

b) A condition that existed more than 120 days prior to the effective date and which did not require treatment, as determined by a physician, during the 120 days prior to the effective date of this policy.

 

Some other exclusions:

This insurance does not cover losses or expenses caused directly or indirectly, in whole or in part, by:

-  Expenses incurred as a result of symptomatic or asymptomatic HIV infection or 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 nine weeks before and/or after the expected delivery date.

- Hospitalization or services rendered in connection with general health examinations for “checkup” purposes, treatment of an ongoing condition, regular care of a chronic condition, home health care, investigative testing, rehabilitation or ongoing care or treatment in connection with drugs, alcohol or any other substance abuse.

-  Crowns and root canals.

-  Preventive medicines or vaccines.

Note: This is a summary of benefits. For the full details of coverage, eligibility, exclusions, limitations and claims procedure, please refer to the Policy Wording .

 

If you have questions about this insurance coverage, or need help to complete the application, or want to buy insurance over the phone, please call Natalia at 416-493-0101 (or 1-877-443-0101) or click here to ask your question online.

 

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, please contact Global Excel immediately at the telephone numbers shown on your policy confirmation and the Policy Wording (pg. 1).  When contacting Global Excel, please provide your name, your policy number, your location and the nature of your emergency.

Important Notice regarding claim procedure !

You must contact Global Excel prior to seeking medical treatment. 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 seeking treatment. 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. Failure to do so limits the 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 consultation, a maximum of one visit per sickness or injury.

You will be responsible for payment of any remaining charges.

Consult the claim guideline on your Policy Wording (pg.4)

 

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Investments:    RESP     RRSP     TFSA    Segregated Funds

Revised: December 03, 2017