Viator™ Individual Expatriate Health Insurance
Viator Expatriate Health Insurance PDF Application Form
  • Please use PDF Application Form to apply for insurance.
  • Coverage is not available for Switzerland, Germany and Abu Dhabi state in the United Arab Emirates.
  • Please send the form by fax (Toronto 416-967-6262 or Vancouver 604-331-1042 ) or scanned e-mail to us.
  • PDF Application Form >>
  • Privacy Policy

Rates

Please check our rates below.

What is Viator™ Expatriate Health Insurance?

imageA 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.

Viator™ Expatriate Health Insurance must always be applied for and purchased before departure from Canada. Additionally, when renewing an existing policy, coverage must always be purchased before expiry of prior coverage.

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.

As an Expat, you have unique benefit needs

RSA provides comprehensive health and travel insurance benefit solutions for expatriates.

When preparing for time abroad, there are many issues for both you and your family to consider. Deciding on health insurance is just one of them. Viator™ gives you the confidence that comes from knowing you have made the right choice.

PLAN HIGHLIGHT

  • Up to $1,000,000 CAD of comprehensive medical protection.
  • 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.

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

All amounts indicated are in Canadian currency, unless indicated otherwise.

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 90 days*
15 days - 17 years $830 $715 $524 $262
18 yrs - 29 yrs $1,211 $1,041 $754 $377
30 yrs - 39 yrs $1,520 $1,301 $939 $470
40 yrs - 44 yrs $1,978 $1,691 $1,213 $606
45 yrs - 49 yrs $2,443 $2,086 $1,492 $746
50 yrs - 54 yrs $3,045 $2,599 $1,854 $927
55 yrs - 59 yrs $3,659 $3,120 $2,223 $1,111
60 yrs - 64 yrs $4,731 $4,031 $2,865 $1,433
65 yrs - 69 yrs $6,128 $5,218 $3,703 $1,852

* For Canadian Nationals returning permanently to Canada, and where the insured person has been insured under this policy for a period in excess of 365 days, coverage can be automatically extended for a period of not more than 90 days with an additional charge. Insured persons must notify RSA travel insurance at 1‑866‑254‑8573 or direct 819‑566‑8573 of the date of return. Proof of the date of return may be required.

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 90 days*
15 days - 17 years $1,507 $1,290 $930 $465
18 yrs - 29 yrs $2,232 $1,907 $1,366 $683
30 yrs - 39 yrs $2,813 $2,400 $1,714 $857
40 yrs - 44 yrs $3,676 $3,136 $2,233 $1,117
45 yrs - 49 yrs $4,555 $3,881 $2,760 $1,380
50 yrs - 54 yrs $5,693 $4,850 $3,443 $1,722
55 yrs - 59 yrs $6,856 $5,838 $4,141 $2,070
60 yrs - 64 yrs $8,879 $7,558 $5,355 $2,677
65 yrs - 69 yrs $11,519 $9,800 $6,937 $3,468

* For Canadian Nationals returning permanently to Canada, and where the insured person has been insured under this policy for a period in excess of 365 days, coverage can be automatically extended for a period of not more than 90 days with an additional charge. Insured persons must notify RSA travel insurance at 1‑866‑254‑8573 or direct 819‑566‑8573 of the date of return. Proof of the date of return may be required.

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

  • Viator™ Expatriate Health Insurance must always be applied for and purchased before departure from Canada. Additionally, when renewing an existing policy, coverage must always be purchased before expiry of prior coverage.
  • If you are hospitalized, you cannot assume that someone has contacted MSH International on your behalf, it remains your responsibility to ensure that MSH International is contacted within forty-eight (48) hours after admission, or as soon as reasonably possible.
  • Coverage is not available for Switzerland, Germany and Abu Dhabi state in the United Arab Emirates.
  • Please read the policy wording carefully. There are exclusions, conditions and limitations.
  • Insurance Policy PDF file >>
Viator Expatriate Health Insurance PDF Application Form
  • Please use PDF Application Form to apply for insurance.
  • Coverage is not available for Switzerland, Germany and Abu Dhabi state in the United Arab Emirates.
  • Please send the form by fax (Toronto 416-967-6262 or Vancouver 604-331-1042 ) or scanned e-mail to us.
  • PDF Application Form >>
  • Privacy Policy