Viator Expat Medical Insurance

Overseas Medical Insurance for Canadian ExPats Teaching Abroad
provided by the Expatriate Viator Policy

When preparing for time abroad, there are many issues for both you and your family to consider. Deciding on health insurance is just one of them. Viator gives you the confidence that comes from knowing you made the right choice.

ExPat Overseas Medical Plan Highlights

Overall maximum limit per injury or sickness $1,000,000 CDN
Individual benefit maximums are replenished for each new medical condition
Second opinion service prior to surgery
Transportation to the nearest centre of medical expertise
Benefits maintained during temporary returns to Canada - up to 90 days aggregate per policy period
Replacement coverage for up to 90 days aggregate per policy period on your
return to your home country

Contact Advisor Carey Alden for policy wording if desired. Carey can be contacted at This e-mail address is being protected from spambots. You need JavaScript enabled to view it

Cost

Coverage Details

The following are the details of the standard emergency medical insurance policy currently offered to teachers and ex-patriots heading overseas to work.

If you have any questions about the Viator policy, its deductibles or premiums – or if you simply need assistance in completing an application, please feel free to contact Carey Alden directly.

Email: This e-mail address is being protected from spambots. You need JavaScript enabled to view it
Phone: 604-581-6121 ext. 313
Toll free: 1-800-244-1527
Fax: 604-583-4077

Currency of Benefits	- Canadian
Geographic Area of Coverage	- Worldwide Excluding USA OR Worldwide Including USA
Medical Underwriting	- Generally not applicable, as no health questions to be answered.
Pre-Existing Medical Exclusion	- 180/365 days period - see Section XI of Policy Wording for full details
In-patient Hospital Benefits	- 100% - up to semi-private room accommodation
Paramedical Services	- $500 per profession - Chiropractor, physiotherapist, osteopath, podiatrist or acupuncturist
Nursing at Home	- $10,000 - up to 12 weeks
Ground Transportation	- 100% - cost for ambulance to hospital
Out-Patient Services	- $10,000 - includes prescription drugs and durable equipment
Emergency Dental Treatment	- $5000 - Accidental blow to the mouth
Repatriation/Local Burial	- Repatriation back to Canada or to your country of residence abroad in the event of death
Emergency Medical Evacuation	- 100% - Cost of licensed air ambulance service
Compassionate Emergency Travel	- $3000 - single round-trip economy airfare for one family member, including up to $150 per day for meals and accommodation
Parent Accompanying Child	- 100% - Costs for parent to stay in hospital with insured child under 15 years of age.
Complicated Maternity	- $5000 - Includes reasonable and customary costs for hospital and medical expenses incurred for pre-natal care, childbirth and post-natal care treatment when diagnosed as a complicated pregnancy

Apply for Coverage

Step 1 - Download the Overseas Medical Coverage Application Form - Click Here
Step 2 - Complete the form
Step 3 - Fax the form to our office - +1 (604) 648-9928

Insuring Agent

Program Offered By Carey Alden
Macnaughton & Ward Ltd.
1276 Guildford Town Centre
Surrey, BC V3R 7B7
Phone: 604-581-6121 ext. 313
Toll free: 1-800-244-1527
Fax: 604-583-4077

This program is sponsored by Footprints Recruiting Inc, and is underwritten by Royal Sun Alliance Insurance Company of Canada and is administered by Expert Travel Financial Security (ETFS) Inc, and European Benefits Administrators (EBA).

Make a Claim

Viator has partnered with European Benefits Administrators (EBA), a third-party administrator whose core expertise lies in the administration of healthcare plans, medical referrals, cost control and reimbursement of medical expenses incurred around the world.

EBA needs to be contacted to pre-authorize any costs to be incurred as an in-patient as soon as possible and in any event not later than forty-eight (48) hours after admission.

Emergency Medical Evacuations and many out-patient diagnostic services must also be pre-authorized by EBA to help ensure full coverage is available.

Claim Forms for the Viator policy can be found at www.etfsinc.com

Simply go to the ‘Individual’s Document Centre’, scroll down to the ‘International Health Care Claim Form’ under the Expatriate Health Insurance in the Viator section. Claims instructions can be found on this form.

- From North and South America: +1 403 539 6134, email: This e-mail address is being protected from spambots. You need JavaScript enabled to view it
- From Europe and Africa: +33 (0)1 42 81 97 00, email: This e-mail address is being protected from spambots. You need JavaScript enabled to view it
- From Asia and the Middle East: +971 4 365 1303, email: This e-mail address is being protected from spambots. You need JavaScript enabled to view it

For any additional claims-related questions, EBA can be contacted by phone or email:

***Please remember, you can never go wrong by contacting the Viator’s policy administrator to advise them of what your ‘problem’ might be – no matter how big (or small) the nature of your potential claims-related enquiry – besides, it’s better to be safe than sorry, and the sooner any insurance company is ‘in-the-know’, the better!

Step 1 - Download the Overseas Medical Coverage Application Form - Click Here
Step 2 - Complete the form
Step 3 - Fax the form to our office - +1 (604) 648-9928

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