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RSA Viator Expatriate
IMG Global Medical
Overall Maximum Limit $1,000,000 CAD $5,000,000 or $8,000,000 USD
Eligible Countries of Citizenship Canada Any country
Covered Areas 1. Worldwide; 2. Worldwide excluding the US 1. Worldwide; 2. Worldwide excluding the US, Canada, China, Hong Kong, Japan, Macau, Singapore, and Taiwan
Duration Options 6 months, 9 months, 12 months Annual
Emergency Medical Reasonable and customary costs Reasonable and customary costs
Outpatient Services $10,000 per injury or sickness Silver plan: 25 visits with coverage limits for specific expenses. Other plans: reasonable and customary costs
Local Ambulance Reasonable and customary costs $1,500; or reasonable and customary costs (depending on plan)
Hospital Accommodation Reasonable and customary costs (semi-private room) Reasonable and customary costs (semi-private or private room, depending on plan)
Emergency Evacuation Reasonable and customary costs Silver plan: $50,000. Other plans: up to overall maximum limit
Prescription Drugs $10,000 per injury or sickness Reasonable and customary costs
Check-Ups Not covered Silver plan: not covered. Other plans: $250 to $500 per year, after a waiting period of 6-12 months (depending on plan)
Maternity $5,000 for hospitalization (due to complicated maternity only) Silver and Gold plans: optional rider available for $50,000 of coverage, after a waiting period of 12 months. Platinum plan: $50,000 of coverage without additional rider
Dental $5,000 per injury for dental accident Silver plan: $1,000 for dental accident. Gold: reasonable and customary costs for dental accident, $100 for dental pain. Platinum plan: reasonable and customary costs for dental accident, coverage for non-emergency dental and dental pain, up to specific limits
Mental/Nervous Conditions Not covered (unless hospitalized) Silver and Gold plans: covered up to specific limits after 12 months. Platinum plan: covered the same as any illness after 12 months
Organ Transplants Not covered $250,000 to $2,000,000 (depending on plan)
Vision Not covered Silver and Gold plans: not covered. Platinum plan: $100 for exams and $150 for materials per 24 months
Optional Riders None Global Term Life, Accidental Death and Dismemberment, Global Daily Indemnity, Maternity, Terrorism (Platinum plan only), Sports