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.

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.

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	$893	$769	$564	$282
18 yrs - 29 yrs	$1,303	$1,120	$812	$406
30 yrs - 39 yrs	$1,636	$1,400	$1,010	$505
40 yrs - 44 yrs	$2,128	$1,819	$1,304	$652
45 yrs - 49 yrs	$2,629	$2,244	$1,604	$802
50 yrs - 54 yrs	$3,277	$2,796	$1,996	$998
55 yrs - 59 yrs	$3,937	$3,357	$2,392	$1,196
60 yrs - 64 yrs	$5,090	$4,337	$3,084	$1,542
65 yrs - 69 yrs	$6,593	$5,614	$3,984	$1,992

* 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	$1,621	$1,388	$1,000	$500
18 yrs - 29 yrs	$2,402	$2,052	$1,470	$735
30 yrs - 39 yrs	$3,026	$2,582	$1,844	$922
40 yrs - 44 yrs	$3,956	$3,375	$2,404	$1,202
45 yrs - 49 yrs	$4,901	$4,176	$2,970	$1,485
50 yrs - 54 yrs	$6,126	$5,218	$3,706	$1,853
55 yrs - 59 yrs	$7,377	$6,282	$4,456	$2,228
60 yrs - 64 yrs	$9,554	$8,133	$5,762	$2,881
65 yrs - 69 yrs	$12,394	$10,544	$7,464	$3,732

* 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