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Travel insurance

Protect yourself and your family with travel insurance

Through Sun Life Financial, you have convenient access to a wide range of comprehensive, flexible travel insurance solutions at preferred rates 1 from RSA Travel Insurance – a trusted provider of travel protection.

Emergency medical insurance for visitors to Canada at a glance 2

Additional benefits to help you travel worry-free

Emergency call centre 24/7. Specially trained. professional assistance personnel are ready to assist you, when you need it - call 24 hours a day, 7 days a week, 365 days a year.

Special assistance in the U.S. Doctor-On-Call™ service for travellers to the U.S. connects you with a licensed U.S. physician who can even see you at your location in case of emergency.3 (Not available for visitors to Canada insurance.)

Personal referrals. RSA Travel Insurance will refer you to a medical provider (hospital, clinic or physician) – so they'll be willing and waiting to assist you.

Case management. An experienced team, available 24 hours a day, will monitor the services you receive in the event of an emergency.

Interpretation service. Speak with a foreign language interpreter for emergency services in foreign countries.

Popular travel insurance questions

Canadians travelling out-of-province or out of country

Does my workplace health insurance plan cover travel insurance?

It may and it may not. Before travelling, be sure to read your group plan benefits booklet/contract to learn about the existing travel coverage you may have through your employer's plan. If you're unable to find those documents, your human resources department should be able to assist you. If your plan does offer travel protection, be aware of possible coverage limitations (such as benefit limits, number of days away, age limits, coverage exclusions) and coverage that's not included (such as trip cancellation, trip interruption, or lost baggage).

If you need to supplement your current travel protection, RSA Travel Insurance can assist you with options to top-up your group coverage or provide coverage that's not available through your group plan.

Does my credit card cover these costs when I travel?

Some credit cards may include travel insurance, so it's very important that you carefully review what your credit card offers. If your credit card does offer travel insurance, be sure to read and understand the coverage as well as the limitations of the coverage before you travel. Ask yourself these key questions:

• Does my credit card coverage protect my entire family?
• Is the coverage only valid if part or all of the travel arrangements were paid for with the credit card that includes the travel insurance?
• Does the coverage provide for both medical and non-medical benefits (such as trip cancellation, trip interruption or lost baggage)?
• Does an age limit apply?
• Does the coverage adequately cover all my potential needs?
• Does my credit card allow for top-ups should I wish to travel longer than the number of days offered?

If in doubt about any of the above, don't take chances – call RSA Travel Insurance at 1-855-780-0458 to learn about the travel protection options they can provide to you and your family.

Does the government pay for any health-care costs when I travel?

Contrary to popular belief, provincial health insurance plans do not cover all financial losses incurred due to a medical emergency outside your home province or territory – in fact, some costs are not covered at all (such as ambulance charges, emergency return to your home province or returning your vehicle if you are unable to drive it back following a medical emergency). Medical care in the U.S. and many places around the world can be very expensive. Without proper travel insurance coverage, not only would payment be the responsibility of the traveller but also the coordination of assistance required.

Even when travelling to another Canadian province, your provincial health insurance plan will only cover financial losses incurred due to a medical emergency up to the amount that would be reimbursed if the incident had occurred in your home province, as the cost of medical services varies by province and territory.

Visitors to Canada

How does RSA Travel Insurance's emergency medical insurance meet Super Visa requirements?

Anyone applying for a Super Visa must provide proof that they have private medical insurance coverage that meets certain requirements. Emergency medical insurance from RSA Travel Insurance meets the requirements as it will:

• Be valid for a one-year period from the time you specify,
• Be issued by a Canadian insurance company,
• Provide a minimum coverage of $100,000 (you can choose up to $150,000 in coverage if you wish),
• Cover health care, hospitalization and repatriation, and
• Be valid for each entry to Canada and available for review by a port of entry officer.

For more details, visit the Government of Canada's Parent and Grandparent Super Visa website.

1 As a Sun Life Financial customer, calling RSA Travel Insurance at the dedicated telephone number on this page, you will enjoy a preferred rate, as compared to standard rates offered to individual retail purchasers through RSA Travel Insurance directly, not including any special discounts or promotions that may be offered from time to time.

2 Certain conditions, limitations and exclusions may apply.

3 Doctor-On-Call™ service for travelers to the United States allows you to get in touch with a licensed US physician and even receive a home visit in case of emergency, all without leaving the comfort of your room.

Sun Life Assurance Company of Canada is a member of the Sun Life Financial group of companies.

RSA Travel Insurance Inc. is part of the RSA Canada Group and operates as RSA Travel Insurance Agency in British Columbia.

All information on this page about RSA Travel Insurance, including company information and travel insurance coverage details, is provided by RSA Travel Insurance.

Sun Life Assurance Company of Canada does not insure or administer the travel insurance provided by RSA Travel Insurance. The Sun Life Financial group of companies is independent of the RSA Canada Group and the RSA Insurance Group plc.

TM "RSA" and the RSA logo are trademarks owned by RSA Insurance Group plc, licensed for use by Royal Sun Alliance Insurance Company of Canada.

® Medi-Select Advantage is a registered trademark of RSA Travel Insurance Inc.

™ Doctor-On-Call is a trademark of Global Excel Management Inc.

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Who is RSA Travel Insurance?

RSA and RSA Travel Insurance help over one million customers and support over 1,000 distributors nationwide.