VISITORS TO CANADA TRAVEL
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
prompts, or call us for
assistance and to buy a policy, please call 1-877-443-0101,
policy is designed for
Visitors to Canada,
with a Canadian work visa or
to Canada or Canadian residents, who are
not eligible for a provincial or
territorial government health
insurance plan in Canada
coverage will you have?
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;
at least 15 days of age on the date of purchase;
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.
have a kidney disease requiring dialysis;
have Congestive Heart Failure, AIDS or require the use of
be experiencing new or undiagnosed symptoms and/or know of
any reason to seek medical
Your spouse and/or child(ren) must also meet
all the above criteria to be eligible for family
coverage under this plan.
The applicant has to be
at least 15
applies per insured per emergency.
deductible (add 5%)
deductible (subtract 20%)
waiting period if you purchased a policy prior to the arrival
When coverage is purchased after
your arrival in Canada, the
following waiting periods apply:
Age 85 or
a) If coverage is
purchased within 30 days after arrival in Canada,
will not be entitled to receive reimbursement for
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
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
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
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
Insurer specifically waives or modifies the waiting period in
is available. Family
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
The premium for family
coverage is calculated at
two times the premium for
the eldest adult.
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
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
your health since your effective date or departure
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
If cancellation of your policy is requested prior to the effective
date of your policy, the full premium will be refunded.
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.
AND HOSPITAL BENEFITS
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 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
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
Ambulance Services: Licensed ground ambulance
service (also covers taxi fare in lieu of ground
ambulance) to the nearest hospital.
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
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
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
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
Relief of Dental Pain
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.
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
a) Air ambulance to the nearest
appropriate medical facility, to a Canadian hospital
or to a hospital in your
country of origin for
b) Transport on a licensed airline with an attendant
(when required) for
return to your
country of origin
or your province
or territory of residence in Canada for immediate
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
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.
Visitors to Canada
medical insurance does not cover everything.
This insurance has exclusions, conditions and
Provides coverage for stable
pre-existing medical conditions in the 120 days
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.
coverage for any pre-existing medical
conditions. This plan is available for
applicants age 50 or
Pre-existing medical condition(s)
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
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
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
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
click here to ask
your question online.
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
please contact Global Excel
immediately at the telephone numbers shown on your policy
confirmation and the
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
Consult the claim guideline
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