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Frequently Asked Consumer Questions
1. Does my workplace health insurance plan cover travel insurance?
It may or may not. Before travelling, be sure to read your group plan benefits booklet or contract to learn about the existing travel coverage you may have through your employer’s plan. If your plan does offer travel protection, be aware of possible coverage limitations (such as benefit limits, number of days away, age limits or coverage exclusions) and coverage that’s not included (such as trip cancellation, trip interruption or lost baggage).
If you need to supplement your current travel protection, we can assist with options to top up group coverage for additional days of coverage or provide coverage that’s not available through group plans.
2. Does my credit card cover these costs when I travel?
Some credit cards may include travel insurance, so it’s very important that you carefully review what your credit card offers. If your credit card does offer travel insurance, be sure to read and understand the coverage as well as the limitations of the coverage before you travel. Ask yourself these key questions:
- Does my credit card coverage protect my entire family?
- Is the coverage only valid if part or all of the travel arrangements were paid for with the credit card that includes the travel insurance?
- Does the coverage provide for both medical and non-medical benefits (such as trip cancellation, trip interruption or lost baggage)?
- Does an age limit apply?
- Does the coverage adequately cover all my potential needs?
- Does my credit card allow for top-ups should I wish to travel longer than the number of days offered?
If in doubt about any of the above, don’t take chances — call your broker to learn about the travel protection options they can provide to you and your family.
3. Does the government pay for all health-care costs when I travel?
Contrary to popular belief, provincial health insurance plans do not cover all financial losses incurred due to a medical emergency outside your home province or territory — in fact, some costs are not covered at all (such as ambulance charges, emergency return to your home province or returning your vehicle if you are unable to drive it back following a medical emergency). Medical care in the US and many places around the world can be very expensive. Without proper travel insurance coverage, not only would the traveller be responsible for paying the cost of care, but also for coordinating any assistance that was required.
Even when travelling to another Canadian province, your provincial health insurance plan will only cover financial losses you incur due to a medical emergency up to the amount that would be reimbursed if the incident had occurred in your home province, since the cost of medical services varies by province and territory.
Common Distribution Partner Questions
4. My client plans to travel for 115 days — three months in Canada, two months in the US Do I sell a multi-trip annual plan plus a top-up?
Multi-trip annual plans offer unlimited travel within Canada outside your province or territory of residence, and for the specific duration option selected outside Canada — the trip duration specified in the multi-trip annual plan will start when the consumer leaves Canada. A single-trip daily plan top-up could be required if the consumer plans to stay outside Canada longer than the multi-trip duration option they purchased.
5. Can RSA top up another company’s coverage from another destination?
Yes, if the consumer had no claim and if the other provider allows us to top up their plan. It is the consumer’s responsibility to make sure our top-up is permitted.
6. Can we top up an annual plan if the traveller is at their destination?
Yes, top-ups can be purchased after departure, provided they had no claim while travelling on the multi-trip annual plan. A top-up is a single-trip daily plan that provides coverage for the additional days of travel beyond the duration of a multi-trip annual plan. A multi-trip annual plan cannot be used to top up another multi-trip annual plan.
7. The traveller has an appointment with their government health insurance plan (GHIP) to extend GHIP coverage. Can they purchase coverage before they receive an approved GHIP extension?
Yes, as long as the traveller knows they need to be covered with GHIP for coverage — proof of GHIP extension is required in the event of a claim. It is the consumer’s responsibility to make sure they have that document at hand when making a claim.
8. Who should cheques be made payable to?
All cheques must be made payable to RSA Travel Insurance Inc. Please indicate the quote number on the cheque. The quote will not be converted to a policy until we receive the cheque. Post-dated cheques are not accepted.
9. Can a traveller purchase the Canada plan if they have already left their home province?
No, the Canada plan must be purchased prior to departure from the province or territory of residence.
10. Can my client pay their premium by Electronic Funds Transfer (EFT)?
Only multi-trip annual plans can be paid by EFT — either in one payment or four consecutive installments. If the client purchases a top-up at the same time, the premium for the top-up can only be paid by EFT in one payment. It is important to advise the consumer when paying by EFT that a new policy will be reissued under the terms and conditions in effect at the time. The client must contact us to cancel the automatic renewal before the effective date of the new policy. We will send a 60-day renewal notice to remind your client.
11. Does RSA insure consumers who have pre-existing medical conditions?
Yes, we cover pre-existing medical conditions as long as the traveller meets the stability period of the plan they purchase. If an applicant does not have the necessary stability requirement for the plan they qualify for, they can choose to apply for Medical Underwriting to have the unstable condition assessed for possible coverage.
12. Is RSA the first or second payor?
We are the second payor. We will pay the claim and then coordinate with the other payor, such as government or credit card.
13. How long are the Medical Underwriting rates valid for once a decision has been given?
Once a Medical Underwriting decision has been given, the rate is valid for 90 days if no change in health has occurred during that period. The reason we use this time frame is that these travellers represent a higher risk and their medical histories necessitate a more frequent evaluation.
14. What is the procedure for partial refund?
If a consumer returns earlier than planned, and has not incurred a claim, a partial refund can be requested. The client must send a written request with proof of early return to Canada. There is a $25 administration fee. No refunds are made if the refund is under $10 after the administration fee is applied.