Rates

Please check our rates below.

What is Viator™ Expatriate Health Insurance?

A comprehensive package of worldwide health care insurance benefits for the Canadian Expatriate.

Who is eligible?

Canadians, under age 70, living, working or studying outside of Canada.

Why purchase Viator™?

• Direct deposit of claim payments into designated bank accounts in any of 110 different currencies.
• Practical, secure and easy to use on-line services to locate hospitals and doctors, request benefit pre-authorization and direct payment to hospitals, access to claim forms and claims status verification.

Viator™ as a student health insurance solution

Most travel insurance plans only cover medical emergencies and repatriate you home when continued care is required. This is not ideal while living and studying in the United States or abroad. Viator™ Expatriate Health Insurance is for services provided while living, travelling and studying out of Canada. You will not have to leave your studies behind! Call and ask for more details regarding Viator™ as a competitively priced health insurance solution for students abroad.

Worldwide Medical Assistance

Global Excel and European Benefits Administrators have partnered to offer multilingual medical and non-medical assistance 24/7. Case management is provided by a multidisciplinary team of benefit specialists, case managers, registered nurses and onsite physicians. With the combined expertise of two internationally recognized assistance companies you can expect fast and reliable service.

Services:

• Medical record review
• Medical referral
• Case management
• Beneficiary assistance
• On-line preparation and assistance services
• Travel assistance
• Repatriation
• Direct billing
• Cost containment
• Claims administration in multiple currencies
• Co-ordination of benefits

PLAN HIGHLIGHT

• Overall maximum limit per injury or sickness: $1,000,000 cdn per lifetime.
• Individual benefit maximums are replenished for each new medical condition.
• Second opinion for surgery.
• Transportation to the nearest centre of medical excellence.
• Re-entry into Canada is facilitated with provincial plan replacement coverage for up to 90 days, subject to limitations and restrictions.

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BENEFIT SUMMARY

Benefit	Limit	Description (per insured person per injury or sickness)
In-patient hospital benefit	100%	Up to semi-private room accommodation
Paramedical services	$500 per profession	Chiropractor, physiotherapist, osteopath, podiatrist or acupuncturist
Nursing at home	$10,000	Up to 12 weeks
Ambulance charges	100%	Costs for ambulance to hospital
Out-patient services	$10,000	Includes prescription drugs and durable equipment
Emergency dental treatment	$5,000	Accidental blow to the mouth
Repatriation or local burial	$10,000	Repatriation back to Canada or to your country of residence abroad in the event of death
Emergency medical evacuation	100%	Cost of licensed air ambulance service
Compassionate emergency travel	$3,000	Single round-trip economy airfare for one family member, including up to $150 per day for meals and accommodations
Parent accompanying child	100%	Costs for a parent to stay in hospital with insured child under 15 years of age
Complicated maternity	$5,000	Includes reasonable and customary costs for hospital and medical expenses incurred for pre-natal care, childbirth and post-natal care treatment when diagnosed as a complicated pregnancy

This page is an illustration only. It is not an insurance policy. For the complete terms, benefits, conditions and exclusions please see the Insurance Policy PDF file >>

Worldwide coverage: EXCLUDING USA

All premium and deductible amounts are expressed in Canadian dollars and are subject to change without notice.

AGE	12 months	9 months	6 months
14 days - 17 years	$613	$528	$387
18 yrs - 29 yrs	$895	$769	$557
30 yrs - 39 yrs	$1,123	$961	$694
40 yrs - 44 yrs	$1,461	$1,249	$896
45 yrs - 49 yrs	$1,805	$1,541	$1,102
50 yrs - 54 yrs	$2,250	$1,920	$1,370
55 yrs - 59 yrs	$2,703	$2,305	$1,642
60 yrs - 64 yrs	$3,495	$2,978	$2,117
65 yrs - 69 yrs	$4,527	$3,855	$2,736

Worldwide coverage: INCLUDING USA

All premium and deductible amounts are expressed in Canadian dollars and are subject to change without notice.

AGE	12 months	9 months	6 months
14 days - 17 years	$1,113	$953	$687
18 yrs - 29 yrs	$1,649	$1,409	$1,009
30 yrs - 39 yrs	$2,078	$1,773	$1,266
40 yrs - 44 yrs	$2,716	$2,317	$1,650
45 yrs - 49 yrs	$3,365	$2,867	$2,039
50 yrs - 54 yrs	$4,206	$3,583	$2,544
55 yrs - 59 yrs	$5,065	$4,313	$3,059
60 yrs - 64 yrs	$6,560	$5,584	$3,956
65 yrs - 69 yrs	$8,510	$7,240	$5,125

Deductible options per insured person, per annum

All premium and deductible amounts are expressed in Canadian dollars and are subject to change without notice.

NO deductible	Automatic
$250	Subtract 7% from premium
$500	Subtract 12% from premium
$1,000	Subtract 16% from premium
$5,000	Subtract 27% from premium

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Important Notes