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Key Features & Benefits

  RSA Medi-Select Advantage Age 60 and over TuGo Traveller Emergency Medical TuGo Quest
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Overall Maximum Limit$5,000,000$5,000,000$5,000,000
Covered AreasWorldwide or within CanadaWorldwide including the US, worldwide excluding the US, or within CanadaWorldwide
Multi-Trip Annual Plan Options4, 9, 16, 30, or 60 days per trip5, 10, 20, 35, 60, 95, 125, 155, or 182 days per trip9, 16, 30, or 60 days per trip
Deductible OptionsNo 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 CoverageSubject 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 AccommodationReasonable and customary costs (semi-private room)Reasonable and customary costs (semi-private room)Reasonable and customary costs (semi-private room)
PhysicianReasonable and customary costsReasonable and customary costsReasonable and customary costs
AmbulanceReasonable and customary costsReasonable and customary costsReasonable and customary costs
Prescription Drugs30-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 TransportationAir 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 SportsAll professional sports, competitive motorized sporting events, racing, motorized speed contestsOut-of-bounds skiing, snowboarding, snowshoeing, or non-motorized snow-bikingAll professional sports, SCUBA diving (unless you are certified by an internationally recognized and accepted program)
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