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RSA Medi-Select Advantage Age 60 and over
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TuGo Traveller Emergency Medical | TuGo Quest | |
|---|---|---|---|
| Overall Maximum Limit | $5,000,000 | $5,000,000 | $5,000,000 |
| Covered Areas | Worldwide or within Canada | Worldwide including the US, worldwide excluding the US, or within Canada | Worldwide |
| Multi-Trip Annual Plan Options | 4, 9, 16, 30, or 60 days per trip | 5, 10, 20, 35, 60, 95, 125, 155, or 182 days per trip | 9, 16, 30, or 60 days per trip |
| Deductible Options | No deductible, $250, $500, $1,000, $5,000, $10,000 (USD) | No deductible, $250, $500, $1,000, $2,000, $5,000, $10,000, $25,000, $50,000, $100,000 (CAD) | No deductible, $250, $500, $1,000, $5,000, $10,000, $50,000, $100,000 (CAD) |
| Pre-Existing Medical Condition Coverage | Subject to stability period of 90-365 days prior to departure (depending on age and answers to medical questionnaire) | Subject to stability period of 7-365 days (depending on age) | Subject to stability period of 90-365 days prior to departure (depending on answers to medical questionnaire). Guaranteed Stability Option available for unstable medical conditions |
| Hospital Accommodation | Reasonable and customary costs (semi-private room) | Reasonable and customary costs (semi-private room) | Reasonable and customary costs (semi-private room) |
| Physician | Reasonable and customary costs | Reasonable and customary costs | Reasonable and customary costs |
| Ambulance | Reasonable and customary costs | Reasonable and customary costs | Reasonable and customary costs |
| Prescription Drugs | 30-day supply (limit does not apply when hospitalized) | 30-day supply (limit does not apply when hospitalized) | 30 day supply (limit does not apply when hospitalized) |
| Dental Accident | $2,000 | $4,000 | $4,000 |
| Dental Pain | $350 | $500 | $500 |
| Emergency Transportation | Air ambulance or economy airfare to the nearest appropriate medical facility or to the home province or territory | Air ambulance or economy airfare to the home province or territory | Air ambulance or economy airfare to the home province or territory |
| Specialists and Therapists | $300 per profession for chiropractor, chiropodist, osteopath, podiatrist, or physiotherapist | $500 per profession for physiotherapist, chiropractor, chiropodist, osteopath, podiatrist, optometrist | $500 per profession for physiotherapist, chiropractor, chiropodist, osteopath, podiatrist |
| Excluded Sports | All professional sports, competitive motorized sporting events, racing, motorized speed contests | Out-of-bounds skiing, snowboarding, snowshoeing, or non-motorized snow-biking | All professional sports, SCUBA diving (unless you are certified by an internationally recognized and accepted program) |
