UPDATE: Any sickness, injury or medical condition are NOT covered during a cruise or if you are travelling to any country with travel advisory to "Avoid non-essential travel" or "Avoid all travel" issued by the Canadian Government. 

RSA  Travel Insurance

Administrated by: RSA Travel Insurance Inc.
Underwritten by: Royal & Sun Alliance Insurance Company of Canada
24 hours Emergency Assistance Center: Global Excel 

IMPORTANT NOTE: The product-related information on this website is for illustration purposes only. For complete benefits, terms, conditions, limitations and exclusions, please see the policy booklet at the download section below. Please read and understand your policy before you travel.

BENEFITS:
Maximum Benefits: $5,000,000 
Hospital accommodation (semi-private room).
Physician services – Medical treatment by a physician.
Diagnostic Services: Laboratory tests and X-ray prescribed by the attending physician due to an emergency. (MRI, CAT scans, sonograms, ultrasounds or biopsies must be pre-approved by Global Excel)
Private Duty Nurse services. *
Ambulance services – licensed ground ambulance service (or taxi fare in lieu of ground ambulance).
Prescription Drugs – limited to 30-day supply per prescription, unless you are hospitalized.
Medical appliances – rental of crutches, casts, splints, canes, slings, trusses, braces, walkers and wheelchairs.
Professional services – up to $300 per professional service of a chiropractor, physiotherapist, osteopath, chiropodist or podiatrist, when approved in advance by Global Excel.
Accidental dental of up to $2,000 in case of accident.
Emergency dental for relief of pain – up to $500. This benefit excludes crowns and root canals.
Remote Evacuation from a mountainous area, the sea, or other remote location to the nearest medical facility (limited to $5,000)
Emergency air transportation: the cost of a one-way economy airfare, a stretcher or air ambulance and an attendant (when required) to the nearest appropriate medical facility or to return you to a Canadian hospital. *
Qualified Medical Attendant:  fees for a qualified medical attendant (other than an immediate family member) to accompany you to your province or territory of residence *
Transportation to Bedside: the cost for a round-trip airfare, to bring a person of your choice to you and up to $150 per day to maximum of 1,500 for meals and accommodation, if you have been hospitalized for at least three consecutive days OR to identify of the body in case of death *
Return of Travelling Companion: One-way economy class airfare, to return your travelling companion home if you have been returned to Canada by air ambulance. *
Escort of Children and Grandchildren – the cost of a one-way economy airfare for the return of your insured children or grandchildren (under age of 21) and reimbursement of up to $1,000 for a caregiver, if you have been hospitalized or repatriate. *
Hospital Allowance – up to $50 per day to a maximum of $500 for telephone, parking and television charges when you are hospitalized for at least 48 hours.
Out-of-Pocket Expenses – up to $150 per day to a maximum of $1,500 for lodging, meals, car rental, taxi and parking fees incurred by you or your insured travel companion, if a covered emergency causes you to miss your scheduled return or requires that you be relocated for treatment.
Return of Vehicle: Up to $3,000 to return a vehicle if neither you or someone travelling with you is able to return it to Canada due sickness or injury.  
Pet Return – up to $500 to return your accompanying dog or cat to Canada, if you are hospitalized or repatriate during an emergency. 
Return of Your Luggage – up to $500 to return you luggage if you are returned to your province or territory of residence under the Emergency Air Transportation or Return of Remains benefit. *
Return of remains -$5,000 for preparation and transportation to your province or territory of residence or cremation and/or burial at the place of death. 

* When approved and/or arranged in advance by Global Excel.

ELIGIBILITY:
1. You must meet the following conditions to be eligible for this insurance:

   a) You must be a Canadian resident and be covered by the government health insurance plan (GHIP) of your Canadian province or territory of residence for the entire duration of your trip;

   b) You must NOT be travelling against the advice of a physician or have been diagnosed with a terminal illness or metastatic cancer; (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); (Metastatic Cancer means a cancer that has spread from its original site to one or more other area(s) of the body)

   c) You must NOT have a kidney disease requiring dialysis;

   d) You must NOT have been prescribed or used home oxygen during the 12 months prior to your date of application; and

   e) You must be at least 15 days old.

2. You must complete and submit the Application prior to the effective date of insurance. You are subject to the eligibility criteria as outlined on the Application and in the Policy.

3. If your health changes or does not remain stable between the date you apply for insurance and your effective date, you must review the medical questions on the Application with us. If you are no longer eligible or no longer qualify for the insurance plan you purchased and you fail to contact your broker, 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, including repatriation costs.

If you are purchasing a Multi-Trip Annual Plan and your health changes or does not remain stable after the effective date, your medical condition may not be covered.

NOTE:

- 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.

PRE-EXISTING CONDITIONS: The following exclusions are applicable to any medical condition you have, including any medical condition you have disclosed on the application (if applicable). 

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 at any time during the applicable Pre-Existing Period prior to each departure date. Stability periods for exclusion 1: 90 days for age 59 and under. For ages 60 and over: 90 days for Supreme, Elite and 60 to 79 Vacation Plan; 365 days for Advantage and Standard Plan.
   2. Your heart condition, if any heart condition was not stable at any time during the applicable Pre-Existing Period prior to each departure date. Stability periods for exclusion 2 (age 60 and over): 90 days for Supreme, Elite and 60 to 79 Vacation Plan. 365 days for Advantage and Standard Plan.
   3. Your lung condition, if:
     a) any lung condition was not stable; or
     b) you have been treated with home oxygen or taken oral steroids (e.g., prednisone) for any lung condition, at any time during the applicable Pre-Existing Period prior to each departure date. Stability periods for exclusion 3 (age 59 and over): 90 days for Supreme, Elite and 60 to 79 Vacation Plan. 365 days for Advantage and Standard Plan.

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 charge 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 the medical condition.

EXTENSIONS and TOP UPS:
Available if you are in good health, no claim has been submitted and if requested before the expiry of the policy. If a claim has been made, an extension or top up may be granted upon review of your file by the insurance company. You must contact your broker or RSA prior to the expiry date of your coverage. The minimum premium is $25 per Extension or Top Up.

REFUNDS:
A refund of the premium paid may be requested under the following circumstances:

1. If your entire trip is cancelled before your effective date: For a full refund, you may request a refund by notifying your broker in writing before your effective date as shown on your confirmation of insurance, otherwise if notification is made after your effective date, your refund will be calculated based on the remaining days of coverage from the date of notification. Proof of nondeparture is required.

2. If, after your departure, you return to your province or territory of residence or Canada before your scheduled return date: For a partial refund, you may request a refund of premium (less $25 administration fee) for the remaining days of coverage, provided no claim has been reported or initiated. Your refund will be calculated based on the remaining number of days of coverage. Refunds of under $10 will not be made. Your request must be made in writing to your broker with satisfactory proof (e.g. airline ticket or customs/immigration stamps) of your return date to your province, territory of residence or Canada, within 90 days of your return.

For Multi-Trip Annual Plans a full refund of premium is available by notifying your broker in writing before your effective date as shown on your confirmation of insurance. The premium is non-refundable as of the effective date as shown on your confirmation of insurance.

 CLAIMS:
In the event of an emergency, you must call Global Excel immediately: 1-800-715-8833 toll free from Canada and U.S. or 819-566-8839 collect call from anywhere. 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 limits benefits to 80% of eligible expenses to a maximum of $25,000 in the event of hospitalization, and to one outpatient consultation per sickness or injury.

You must report in writing to Global Excel within 30 days of the accident or sickness. Send a completed claim form and all original bills, invoices and receipts within 90 days of receiving service. All documents have to be mailed to:
Global Excel Management Inc.
73 Queen Street
Sherbrooke, Quebec
J1M 0C9
If you are submitting a claim while in the U.S., please forward all required documents to:
Global Excel Management inc.
P.O. Box 10
Beebe Plain, Vermont
05823 USA
Telephone: 1-800-715-8833 (toll free) or 819-566-8839 (collect) during business hours (ET).  

EXCLUSIONS: 

This insurance does not cover losses or expenses caused directly or indirectly, in whole or in part, by: 1. Expenses for which no charge would normally be made in the absence of insurance.

2. Committing or attempting to commit an illegal act or criminal act.

3. Your participation in and/or voluntary exposure to any risk from: war or act of war, whether declared or undeclared; invasion or act of foreign enemy; declared or undeclared hostilities; civil war, riot, rebellion; revolution or insurrection; act of military power; or any service in the armed forces.

4. Medication, drugs or toxic substance abuse or overdose; alcohol abuse, alcoholism or an accident while being impaired by drugs or alcohol or having an alcohol concentration that exceeds 80 milligrams in 100 milliliters of blood.

5. Suicide (including any attempt thereat) or self-inflicted injury.

6. Radiotherapy or chemotherapy.

7. A disorder, disease, condition or symptom that is emotional, psychological or mental in nature unless you are hospitalized.

8. A trip taken for the purpose of seeking treatment, consultation or investigation for a medical condition for which, before your departure date, you knew or it was reasonable to expect you would need to seek treatment, consultation or investigation for that medical condition.

9. Routine pre-natal care.

10.High risk pregnancy. A high risk pregnancy means a pregnancy where any medical condition or risk factor puts the mother, the developing fetus, or both, at a higher than normal risk of developing medical complications during or after the pregnancy and birth.

11.Any child born during your trip.

12.Pregnancy, childbirth or complications of either, occurring in the 9 weeks before or after the expected date of delivery.

13.Sickness, injury or medical condition which first appeared, was diagnosed or received treatment after the departure date and prior to the effective date of a Top Up if purchased as a top up to another Insurer’s travel insurance product.

14.Any medical condition for which you incur a claim after your departure date and prior to the effective date of the Top Up or Extension, if the Top Up or Extension was purchased after your departure date.

15.Treatment, surgery, medication, services or supplies that are not required for the immediate relief of acute pain or suffering, or that you elect to have provided outside your province or territory of residence when medical evidence indicates that you could return to your province or territory of residence to receive such treatment. The delay to receive treatment in your province or territory of residence has no bearing on the application of this exclusion.

16.Cardiac catheterization, angioplasty, and/or cardiovascular surgery including any associated diagnostic test(s) or charges unless approved by Global Excel prior to being performed, except in extreme circumstances where such surgery is performed on an emergency basis immediately upon admission to a hospital.

17.Magnetic resonance imaging (MRI), computerized axial tomography (CAT) scans, sonograms or ultrasounds and biopsies unless such services are authorized in advance by Global Excel.

18.Hospitalization or services rendered in connection with general health examinations for “check-up” 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.

19.Noncompliance with any prescribed medical therapy or medical treatment (as determined by the Insurer) or failure to carry out a physician’s instructions.

20.Treatment of a sickness or injury after the initial medical emergency has ended (as determined by the Insurer).

21.Emergency air transportation and/or car rental unless approved and arranged in advance by Global Excel.

22.Treatment not performed by or under the supervision of a physician or licensed dentist. 23.Participation:

   a) as a professional athlete in a sporting event including training or practice. (Professional means a person who engages in an activity as one’s main paid occupation);

   b) in any motorized race or motorized speed contest;

   c) in scuba diving (unless you hold a basic SCUBA designation from a certified school or other licensing body), hang-gliding, rock climbing, paragliding, skydiving, parachuting, bungee jumping, mountain climbing using ropes and/or specialized equipment, rodeo, heli-skiing, any downhill skiing or snowboarding outside marked trails or any cycling racing event or ski racing event.

24.The purchase or replacement cost (prescribed or not), loss of or damage to hearing devices, eyeglasses, sunglasses, contact lenses or prosthetic teeth, limbs or devices and resulting prescription.
25.Services provided by an optometrist or for cataract surgery.

26.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.

27.Upgrading charges and cancellation penalties for airline tickets, unless approved in advance by Global Excel.

28.Elective and/or cosmetic surgery or treatment whether or not for psychological reasons.

29.Any sickness, injury or medical condition you suffer or contract, or any loss you incur in a specific country, region or area for which the Government of Canada, including Foreign Affairs, Trade and Development Canada, has issued a travel advisory or formal notice, before your departure date, advising travellers to avoid non-essential travel or to avoid all travel to that specific country, region or area. If the travel advisory or formal notice is issued after your departure date, your coverage under this policy in that specific country, region or area will be limited to a period of 10 days from the date the travel advisory or formal notice was issued, or to a period that is reasonably necessary for you to safely evacuate the country, region or area.

30.Crowns and root canals.

31.Self exposure to exceptional risk, hazardous pursuits or occupations or flight accident (unless you are travelling as a fare-paying passenger on a commercial airline).

32.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.

IMPORTANT NOTE: The product-related information on this website is for illustration purposes only. For complete benefits, terms, conditions, limitations and exclusions, please see the policy booklet at the download section below. Please read and understand your policy before you travel.

DOWNLOADS:

RSA Travel Insurance Policy PDF

RSA Travel Insurance Application Form age 59 or under - DocuSign (fillable)

RSA Travel Insurance Application Form age 60 or over - DocuSign (fillable)

RSA Travel Insurance Claim Form ALBERTA PDF
RSA Travel Insurance Claim Form BRITISH COLUMBIA PDF
RSA Travel Insurance Claim Form MANITOBA PDF
RSA Travel Insurance Claim Form ONTARIO age 15 and over PDF
RSA Travel Insurance Claim Form ONTARIO (Minors) age 15 and under PDF
RSA Travel Insurance Claim Form QUEBEC PDF
RSA Travel Insurance Claim Form SASKATCHEWAN PDF
RSA Travel Insurance Claim Form NOVA SCOTIA, NEW BRUNSWICK, NEWFOUND LAND AND LABRADOR, PRICE EDWARD ISLAND, YUKON, NORTHWEST TERRITORIES, NUNAVUT PDF

Medi-Select Advantage® Emergency Medical Insurance is underwritten by Royal & Sun Alliance Insurance Company of Canada and administrated by RSA Travel Insurance Inc.

The "RSA" and RSA Logo are trademarks owned by RSA Insurance Group plc, licensed by Royal & Sun Alliance Insurance Company of Canada.
Medi-Select Advantage is a registered trademark of RSA Travel Insurance Inc.
The Global Excel logo is a registered trademark of Global Excel Management Inc.