Overseas Medical Insurance for Canadian ExPats Teaching Abroad
provided by the Expatriate Health Insurance 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 calden@macwardins.com
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: calden@macwardins.com
Phone: 604-581-6125 ext. 311
Toll free: 1-800-244-1527
Fax: 604-583-4077
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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 |
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Nursing at Home |
- $10,000 - up to 12 weeks |
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Ground Transportation |
- 100% - cost for ambulance to hospital |
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Out-Patient Services |
- $10,000 - includes prescription drugs and durable equipment |
|
Emergency Dental Treatment |
- $5000 - Accidental blow to the mouth |
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Repatriation/Local Burial |
- Repatriation back to Canada or to your country of residence abroad in the event of death |
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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 |
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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) 677-6556
Insuring Agent
Program Offered By Carey Alden
Macnaughton & Ward Ltd.
1276 Guildford Town Centre
Surrey, BC V3R 7B7
Phone: 604-581-6125 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.
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- From North and South America: +1 403 539 6134, email: adminamerica@euroben.com
- From Europe and Africa: +33 (0)1 42 81 97 00, email: admin@euroben.com
- From Asia and the Middle East: +971 4 365 1303, email: adminea@euroben.com
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) 677-6556
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