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Travel Insurance Long Stay Travel Students Insurance Sports Coverage Other Services
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Saturday, January 16th, 2021
COVID-19 UPDATE: COVID-19 is not covered if you are travelling to any country with travel advisory to "Avoid non-essential travel" or "Avoid all travel" relating to Covid19 issued by the Canadian government.
Administrated by: RSA Travel Insurance Inc. 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: * When approved and/or arranged in advance by Global Excel.
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: STABLE means any medical condition (other than a minor ailment) for which all the following statements are true: EXTENSIONS and TOP UPS: REFUNDS: 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: 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: 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. 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 Claim Form ALBERTA 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.
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