Classic Medical

RBC Insurance Company of Canada® provides unlimited coverage for emergency medical expenses. This means that hospital, doctor, prescription medication and other eligible emergency-related expenses will be covered. We pay the cost of an ambulance to get your customer to the hospital and will arrange to get your customer home by air ambulance if medically necessary.

RBC Insurance provides a choice of two medical-only insurance plans, both with Single Trip and Annual options:

• Classic Medical (for for travellers under 60 years of age)

Classic Medical provides comprehensive emergency medical benefits for travellers who are:

For the SINGLE TRIP option:

• under 60 years of age
• Travelling for 183 days or less.

For the Multi-Trip ANNUAL MEDICAL option:

• under 60 years of age
• Travelling for a maximum of 9, 16, 30 or 60 consecutive days per trip depending on the option purchased.

Classic Medical covers the expenses for emergency medical care. This insurance provides unlimited coverage for emergency medical expenses incurred on a trip that exceed the benefits provided by government health insurance plans. There is no deductible when you have purchased Classic Medical.

Exclusion 1 applies to Classic Medical and excludes coverage for a medical condition, any heart and/or lung condition (whether or not the diagnosis has been made) if that medical condition or any heart and/or any lung condition is not stable in the 90 days prior to departure.

TravelCare® Medical Plans provide comprehensive emergency medical benefits for people who are:

For the SINGLE TRIP option:

• 60 years of age or older and traveling for 183 days or less.

For the Multi-Trip ANNUAL MEDICAL option:

• 60 years of age or older and under 80 years of age, travelling for a maximum of 9, 16, 30 or 60 consecutive days per trip depending on the option purchased.
• 80 years of age or older, travelling for a maximum of 9 or 16 consecutive days per trip depending on the option purchased.

You must complete a medical questionnaire. Your answers will determine the TravelCare® plan for which you qualify and the premium you pay.

TravelCare® Medical covers the expenses for emergency medical care. This insurance provides unlimited coverage for emergency medical expenses incurred on a trip that exceeds the benefits provided by government health insurance plans.

Our five TravelCare® Medical plans are:

• TravelCare®-HealthSelect®
• TravelCare®-Gold
• TravelCare®-Silver Plus
• TravelCare®-Silver

Completion of our medical questionnaire is required to determine the plan for which you qualify. Regardless of the plan, you receive the same comprehensive benefits found in any of our medical-only plans. You can download the questionnaire here: Medical Questionnaire

Deductibles:

• Optional deductibles of $200 US and $500 US are available under all TravelCare® Medical plans except TravelCare®-Bronze.

Exclusions for Pre-existing Medical Conditions
If you are eligible for and have purchased TravelCare®-HealthSelect®, no exclusion related to any pre-existing medical condition will apply. This allows customers who experience a change in health after the purchase of their insurance and before departure to maintain their travel coverage. This customer is still, however, subject to all other general exclusions outlined in the policy.

Exclusion 1 applies to TravelCare®-Gold and excludes coverage for a medical condition, any heart and/or lung condition (whether or not it has been diagnosed) if that medical condition or any heart and/or any lung condition is not stable in the 90 days prior to departure.

Exclusion 2 applies to TravelCare®-Silver Plus and excludes coverage for a medical condition, any heart and/or lung condition (whether or not it has been diagnosed) if that medical condition or any heart and/or any lung condition is not stable in the 180 days prior to departure.

Exclusion 3 applies to TravelCare®-Silver and excludes coverage for a medical condition, any heart and/or lung condition (whether or not it has been diagnosed) if that medical condition or any heart and/or any lung condition is not stable in the 180 days prior to departure. In addition, TravelCare®-Bronze applies a $200 US deductible per claim.

Summary

• Classic Medical provides comprehensive emergency medical benefits for travellers under 60 years of age.
• TravelCare® coverage provides unlimited emergency medical benefits for travellers age 60 and older.

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