Select Language:

Expatriates

RSA Viator Expatriate
IMG Global Medical
Overall Maximum Limit $1,000,000 CAD $1,000,000; $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 Bronze plan: $300 max per visit for lab tests; $250 per visit for diagnostic xrays; $500 max limit for specialists/physician charges
Silver plan: 25 visits with coverage limits for specific expenses
Gold & Platinum: 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 Bronze and Silver: $50,000 maximum
Gold & Platinum: up to lifetime maximum limit
Prescription Drugs $10,000 per injury or sickness Bronze: $600 outpatient maximum limit per event
Silver: 90-day supply per prescription
Gold: 90-day supply for outpatient only
Platinum: 90-day supply in all cases
Check-Ups Not covered Adult preventative care: Gold $250; Platinum $500 per period of coverage
Child preventative care: Silver $70 max per visit, up to 3 visits per coverage period; Gold - $200 per period of coverage; Platinum $400 per period of coverage
Maternity $5,000 for hospitalization (due to complicated maternity only) Platinum: after 10 months of coverage, $50,000 lifetime maximum - $200 max newborn preventative care; $250,000 max for newborn care & congenital disorders; $2500 additional deductible per pregnancy
Dental $5,000 per injury for dental accident Dental Injury: Bronze & Silver - $1000 per period of coverage for dental injury; Gold & Platinum – up to lifetime maximum limit
Dental Pain: Gold - $100; Platinum - 100%
Non-Emergency Dental Accident: Gold - $500; Platinum - $750
Mental/Nervous Conditions Not covered (unless hospitalized) Silver: Outpatient after 12 months of continuous coverage
Gold: $10,000 after 12 months of continuous coverage
Platinum: $50,000 after 12 months of continuous coverage
Organ Transplants Not covered Bronze & Silver: $250,000
Gold: $1,000,000
Platinum: $2,000,000
Vision Not covered Platinum only: $100 for exams & $150 for materials in a 24-month period
Optional Riders None Global Term Life Insurance, Accidental Death & Dismemberment (AD&D), Terrorism (Platinum only), Sports (Gold & Platinum only), Dental & Vision (Bronze, Silver & Gold)