FAQs

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As a Plan Member you have questions. We have answers.

We know group insurance benefits can be confusing. We are here to help and have detailed some of the more frequently asked questions and subsequent answers. If you require additional assistance, please do not hesitate to contact RWAM directly.

Please note these frequently asked questions contain general information only, are subject to change, and may not apply to your specific situation. Your Employee Benefits Booklet outlines the specific coverages associated with your group plan as well as any requirements and exclusions specific to your plan.

Claims FAQs for Plan Members

How can I speed up claim payments?

To avoid unnecessary delays, register for Plan Member Services, submit your claims electronically, and have your claims deposited directly into your bank account.

Can I submit my claims electronically instead of mailing them in?

It's easy to submit a claim using either the RWAM Mobile App or the Plan Member Services website. Choose the 'Submit a Claim' option, answer a few questions regarding your claim, attach an electronic copy** of your receipt and submit.

To submit claims on the Mobile App you must:

Already be enrolled for Plan Member Services, having a User ID and password,
Set up direct deposit of your claim payments by providing your banking information on Plan Member Services, and
Provide your email address on Plan Member Services for email notification of your Explanation of Benefits.

**Photos and scanned images of receipts must be legible. Files may contain multiple pages, but must be less than 4MB in total size. Acceptable file types are gif, jpg, png, pdf, and tif. Be sure any transaction slip (debit/credit card receipt) does not cover pertinent information (e.g. names, dates of service, etc.) on your provider receipt when scanned. RWAM has the right to ask for original receipts at any time, so please retain your receipts for 12 months.

Can my Provider submit claims on my behalf?

Healthcare Providers are able to submit Plan Member claims directly to RWAM for immediate adjudication. For more information on Provider submission of claims visit our Provider eServices page.

How do I download the RWAM Mobile App?

Download the free RWAM Mobile App to your smartphone or tablet from your device's app store (search 'rwam') and follow the simple enrolment steps. You must be enrolled on the RWAM Plan Member Services site, and have a User ID and password in order to use the RWAM Mobile App.

Download the RWAM Mobile App from your device's app store now

How do I know what exactly I am covered for?

Your Employee Benefits Booklet outlines the coverage provided by your group plan. If you don't have your Employee Benefits Booklet, you can always download a current copy from RWAM Plan Member Services, or ask your Plan Administrator for a copy.

Refer to the fact sheet "Extended Health Care Benefits. What's Covered?" for helpful hints on confirming whether your Group Health Benefit Plan includes coverage for a particular service or Provider.

Contact your Plan Administrator or RWAM directly to obtain answers to any additional questions you may have.

What paramedical benefits require a doctor's referral in advance?

Most plans do not require a doctor's referral for services rendered by a Chiropractor, Naturopath, Osteopath, Podiatrist, Chiropodist, clinical Psychologist, licensed Physiotherapist, Speech Therapist or Acupuncturist. However, some plans require a doctor's written referral for registered Massage Therapy to be sent in with the claim. If you are unsure of your group's requirements, you should review your Employee Benefits Booklet first for coverage and any claim requirements specific to your plan.

What if my claim will exceed $500?

RWAM suggests that you obtain a detailed treatment plan from your Provider and submit it to RWAM prior to starting any treatment that is expected to exceed $500. We will then advise you of the amount for which you are eligible to be reimbursed.

What type of orthotics are covered and how much am I covered for?

In order for orthotics to be eligible:

They must be custom made for the individual from raw materials and a 3 dimensional cast of the foot to address an existing medical problem/condition,
They must be prescribed by a medical doctor, chiropodist, or podiatrist (off-the-shelf products are not covered), and
If the plan doesn't have an annual maximum, a reasonable and customary limit is applied based on usual and customary charges for custom made orthotics.

I understand charges and amounts covered for dental work are based on a fee guide. What is a fee guide?

Dental fee guides are established and published by provincial dental associations - for example the Ontario Dental Association. Fee guides serve as a reference for dental practitioners to develop fee structures that are fair and reasonable for the patient and the practitioner. Insurers use these guides to provide consistent benefits within provinces and in the management of their dental plans.

What factors can impact how much of my claim is eligible for reimbursement?

Coverage under most plans is subject to certain rules, limits, and maximums which govern how much of your claim is eligible for reimbursement. Every benefit plan can be different – so always refer to your Employee Benefits Booklet for the details specific to your plan. If you don't have an Employee Benefits Booklet, you can download a current copy from RWAM Plan Member Services, or ask your employer's Group Plan Administrator for a copy.

Review the "Understanding Your Group Insurance Benefits" fact sheet to learn more about the rules, limits, and maximums that are applied to your claim.

Contact your Plan Administrator or RWAM directly for any additional questions you may have.

Can my claim payments be deposited directly to my bank account?

Yes. Approved Extended Health Care, Dental, Short and Long Term Disability claim payments can be deposited directly to your bank account, and your Explanation of Benefits (EOB) statement will be sent electronically to your personal email address.

Sign up for direct deposit by entering your banking information and email address on the Plan Member Services website. You may update your banking and personal information at any time using RWAM Plan Member Services.

You may also download an 'Application for Direct Deposit of Group Benefit Payments' form and send to RWAM, or contact your Plan Administrator or RWAM Group Administration to enroll in direct deposit or change your banking information or email address.

How do I obtain replacement Explanation of Benefits (EOB) statements?

You may want to reproduce your Explanation of Benefits (EOB) for income tax or Coordination of Benefits (COB) purposes. You can print a replacement copy of your EOB statements directly from your RWAM Plan Member Services account. RWAM does not reproduce these.

How does RWAM safeguard against fraudulent claim submissions?

RWAM is committed to ensuring that your group benefit plan operates within the guidelines of your contract and according to industry parameters. Fraud can present itself in numerous ways. The following are some of the measures used to protect your plan:

Conduct Provider and patient audits to confirm services being claimed have actually been rendered as billed by the Provider indicated on the receipts, and received and paid for by the Insured.
Investigate suspicious claims or patterns (e.g. over-utilization or unusual claims frequency) and followup requesting additional information to support the claim or validate the pattern.
Check credentials of paramedical Providers to ensure they are active, current members with the appropriate regulatory authority and/or association, and are billing appropriately.

Fraud can lead to higher insurance premiums and/or reduced coverage for you. As a plan member, you can play a role in helping to prevent fraud by:

Safeguarding your benefits information and RWAM OneCard to prevent unauthorized use.
Understanding what claims a Health Care Provider is submitting on your behalf.
Ensuring that the services you received reconcile with those billed (e.g. date, Provider, duration and type of service) and that the Claim Statement/Explanation of Benefits reflects the same.
Contacting RWAM if you have any reason to suspect insurance fraud is taking place by either a Health Care Provider or a co-worker.

Administrative FAQs for Plan Members

I forgot my User ID and password for the Plan Member Services website. How do I obtain this information?

RWAM does not record or have access to individual IDs. Go to the RWAM Plan Member Services website and click 'Forgot your User ID'. After you have entered your verification information, our system will retrieve your 12-digit User ID. This number should be recorded.

If you don't remember your password, click on 'Forgot your password'.

If your email address is on our system, the option will appear to have your password emailed to you. There is a two-email process for security purposes. Click on the hyperlink inside the first email, which will open a new web browser page, where you will be asked to confirm that you wish to receive a temporary password by email. Once you complete that page, you will receive a second email containing a temporary password. Use the temporary password and your user ID to sign in on the Plan Member website/mobile app, and you will be prompted to change your password. The password must consist of 8-12 characters, including upper and lower case letters and at least one number (no symbols).
If there is no email address attached to your profile, please request assistance using our Information Request Form.

What is a RWAM OneCard?

Your RWAM OneCard contains your group number and individual certificate number and can be used at the pharmacy, hospital and/or dentist. Emergency Travel Assist telephone numbers are listed, if applicable to your group plan, for assistance while travelling outside your province of residence or Canada.

Can I view/print a copy of my RWAM OneCard online?

A replacement card can be printed from the Plan Member Services website. You can also contact your Group Plan Administrator, or contact RWAM directly to have a new card sent to your employer.

If you have the RWAM Mobile App, you can access your RWAM OneCard at any time through the app.

How long do I have to apply for benefits after I have been hired?

Check your Employee Benefits Booklet for your group's waiting period. You have 31 days from your date of eligibility to submit your completed enrolment form. If your enrolment form is submitted to RWAM more than 31 days after you first become eligible for insurance, you are considered to be a 'late applicant' and Evidence of Insurability will be required for you and any eligible dependents. Coverage will not take effect until all required information is submitted to RWAM, reviewed, and written approval is received with the effective date of coverage. Please note that the effective date is not retroactive and reflects the date approved by the insurer.

How long will it be before I receive my RWAM OneCard?

RWAM OneCards are printed at RWAM the day after your enrolment has been added to our system. They are mailed to your employer.

Will my eligible dependents' names appear on my RWAM OneCard?

Dependent names will appear if your drug plan is with Green Shield Canada. If your drug plan is with Express Scripts Canada dependent names will not appear on the card. Your RWAM OneCard will always have your name on it as you are the insured plan member.

What is the difference between issue date and effective date on my RWAM OneCard?

The issue date that appears on the front of your RWAM OneCard is the date that the card was printed. Please check with your Group Plan Administrator to confirm the date your coverage is effective.

What is the difference between 'Refusal' vs. 'Waiving' of benefits?

You may waive Extended Health Care and/or Dental benefits if you are currently covered under your spouse's or common-law spouse's plan. You are still eligible for any other benefits your group plan may have (i.e. Life insurance and Disability insurance, if applicable).

A refusal of all coverage is discouraged, as a certain level of participation of eligible employees must be met. In some cases, you may have the option to refuse all coverage but cannot choose some benefits and refuse others. If you refuse all coverage, you can apply for coverage in the future but health evidence will be required. You should not refuse coverage solely because you are covered for comparable Extended Health Care and/or Dental benefits under your spouse's plan.

What does Non-Evidence Maximum (NEM) refer to?

Certain benefits (such as Life, Accidental Death & Dismemberment, and Disability coverage) may be wage-related. A Non-Evidence Maximum (NEM) refers to the maximum amount of insurance coverage which may be available to an eligible insured person without having to provide medical evidence of health (Evidence of Insurability). If a NEM applies to a particular benefit under your group plan, the NEM amount will be stated in your Employee Benefits Booklet on the applicable 'Schedule of Benefits' page. For some group plan benefits without a specified NEM, mandatory Evidence of Insurability may need to be provided. Check with your Group Plan Administrator.

You should review your coverage regularly, especially if your salary increases, to determine if you are eligible to apply for additional coverage beyond the NEM. Coverage approved over and above the NEM will be subject to an overall maximum coverage amount, stated on the 'Schedule of Benefits' page of your Employee Benefits Booklet. If you are uncertain or have any questions about your eligibility, contact your Group Plan Administrator or RWAM Group Administration.

How do I apply for additional coverage over the Non-Evidence Maximum (NEM), assuming I'm eligible to do so?

You must complete and submit a Group Health Evidence form (also known as Evidence of Insurability) to RWAM for additional coverage over and above the Non-Evidence Maximum (NEM). Please ensure that the correct insurance carrier's form is submitted (providers are listed at the back of your Employee Benefits Booklet). Health evidence forms for the various insurance carriers are available on our Forms page.

There may be times when additional information is required from your doctor based on the medical information that you have provided on your health evidence form.

Additional coverage will only become effective once the Insurer approves coverage after reviewing your health evidence. If your application for the additional coverage is declined, your existing coverage will remain unaffected.

Can I cover my spouse and dependent children?

Depending on the benefits offered through your group plan, you may be eligible to elect family coverage. Your Employee Benefits Booklet contains detailed information as to spousal and dependent child eligibility requirements. Most plans allow for an extension of coverage for a dependent child over age 21 who qualifies as a full-time student.

If you have a dependent child with a mental or physical disability, or any other special circumstances, please contact your Group Plan Administrator or RWAM Group Administration to determine if coverage is available or can be extended.

Am I obligated to elect family coverage, if my spouse has family coverage through their employer?

No, if comparable coverage is in place through your spouse, you are not obligated to elect family coverage. However, you may choose to take family coverage as a way to coordinate benefits to a maximum of 100% of your eligible expenses.

Coordination of Benefits - when more than one benefit plan exists, to which plan should I submit claims?

You should submit your claim to your own Insurer first (primary carrier). Your spouse should submit to his/her carrier. Claims for dependent children must be submitted to the plan of the parent with the earlier birth date in the calendar year. If the parents have the same birth date, then submit the claim to the plan of the parent whose first name begins with the earlier letter in the alphabet. This is referred to as Coordination of Benefits (COB). If you will be coordinating claims please complete the Coordination of Benefits form available on our Forms page.

If any portion of a claim is not covered/paid by the primary carrier, the claim for the balance of expenses should be sent to the secondary carrier for consideration (the amount reimbursed cannot exceed 100% of allowable expenses).

In situations where parents are separated / divorced, then the following order applies: 1) the plan of the parent with custody of the child; 2) the plan of the spouse of the parent with custody of the child; 3) the plan of the parent not having custody of the child; and 4) the plan of the spouse to the parent in item (3). Take photocopies of your claim and receipts. Submit your claim to your Insurer based on the above criteria. Once you receive your cheque and Explanation of Benefits (EOB) statement, complete a new claim form for the other carrier. Attach the EOB statement with photocopies of your original claim. Submit this information to the coordinating plan (your spouse's).

When is a trustee required for my beneficiary designation?

A trustee is required if the beneficiary is under the age of 18 or incapacitated. Once the beneficiary attains the age of 18, RWAM does not automatically remove the trustee. A new designation must be received to make this change. This allows the employee the choice of when to remove the trustee. It is important to review your beneficiary designation if your personal circumstances or those of your beneficiary change. Laws vary between provinces. If you have concerns we recommend you speak to a lawyer.

What is a Dependent Child?

A child is considered an eligible dependent under your group insurance plan when the child is:

under age 21 (or according to your employer's plan),
not working full-time,
legally and financially dependent on you for support, and
unmarried.

What do I need to do if my dependent child is 21 or older and attending school?

Students aged 21 or older* must attend a recognized college or university full time and be solely dependent upon the employee for support in order to be eligible for group insurance coverage. Student dependents are eligible up to the age of 25*. RWAM must be notified each school year of eligible dependents who are over the age of 21*.

*Ages may differ according to your plan design.

I have a dependent under 21 years of age but working full-time. Are they still eligible under my plan?

No, as they are no longer considered to be fully dependent on you, they would not qualify as an eligible dependent.

What if my dependent child is studying outside their home province?

RWAM must be notified using the form 'Out-of-Province/Out-of-Canada Coverage Extension Request for Student Study/Work Term' if a dependent child is studying outside of their home province and will be away for a consecutive time period exceeding your group insurance Out-of-Province/Out-of-Canada plan limitations. Refer to the 'EHC Schedule of Benefits' page of your Employee Benefits Booklet for your Out-of-Province/Out-of-Canada trip limitation.

If I am under age 21, but working full-time, am I obligated to elect coverage?

Yes, you are no longer considered to be fully dependent, and therefore are not eligible to remain on your parents' group insurance plan.

Do I need to report changes in my personal status?

Yes. You should contact either your Group Plan Administrator or RWAM Group Administration directly to report any changes in your personal status or life circumstances which might affect your coverage, including:

Marital status (divorce, marriage, separation, common-law)
Changes in your name or that of your dependent(s)
Birth of a child, adoption, student coverage, disabled child

Whenever you have a major life change, it is advisable for you to review your beneficiary designation to see if it is up to date and reflects your current wishes. Refer to your Employee Benefits Booklet for more information under the heading 'Changes Affecting Your Coverage'.

Can I continue to cover my ex-spouse?

Yes, provided there is a court order (divorced) and that you are not remarried or living common-law. Group insurance does not allow more than one individual at a time to be covered as a dependent spouse or common-law spouse.

Do I need to report a change of address?

Yes, please update your address on the Plan Member Services portal, or advise your Plan Administrator or RWAM.

I'm leaving my employer and will no longer have any group Life, Health and/or Dental insurance. What options are available to me?

If your group Life insurance coverage is being terminated because your employment has terminated or you are no longer eligible for group insurance coverage, you may be entitled to convert your existing group Life coverage to an individual Life insurance policy. To convert group Life coverage to an individual policy, you must apply to the Insurer (via RWAM) within 31 days after the date your group Life coverage terminates. You should contact RWAM's Group Life Insurance Department immediately for information and necessary forms.

With group Health and/or Dental insurance, you may be eligible to convert your coverage to an individual plan. This must be done within 60 days of the applicable termination date. Please contact RWAM's Group Accounting Department for further information.

For Out-of-Province/Out-of-Canada options, please call SecuriGlobe directly at 1-844-370-2065. SecuriGlobe has access to 14 different carriers to obtain the best possible rate for an individual or family, depending on their specific needs. Single and multi-trip annual emergency medical plans are offered, along with trip cancellation, trip interruption, snowbird, sport travel and special risk coverage.

What is a Benefits Confirmation?

RWAM produces a Benefits Confirmation for each insured employee once a year. The Benefits Confirmation includes all pertinent employee information, as well as Health and Dental claims paid for the current and previous year. Employees should carefully review the Confirmation to ensure all information is current. Any changes to earnings, dependents or beneficiary must be reported to RWAM.

Travel FAQs for Plan Members

Travel FAQs regarding COVID-19

Travel FAQs regarding COVID-19 are available on RWAM's Coronavirus Updates page.

How do I know if my group plan includes the Out-of-Province/Out-of-Canada Travel Assist benefit?

Your Employee Benefits Booklet outlines the coverage provided by your group plan. If you don't have an Employee Benefits Booklet, you can view a current copy from RWAM Plan Member Services or ask your Plan Administrator for a copy. Once you know what coverage you have, Travel Assist brochures are available on our Travel Coverage page.

Is trip cancellation or lost baggage insurance included under the Travel Assist plan?

RWAM Travel Assist plans include emergency medical coverage only. Check your Employee Benefits Booklet or with your Plan Administrator to confirm the details of your Travel Assist coverage.

Will the Travel Assist plan cover me during the entire length of my absence from Canada or my home province?

RWAM's Travel Assist benefit includes a maximum number of days per trip that you are covered, starting from the day you leave your province of residence. Check with your Plan Administrator for your group plan's specific maximum day duration. If your trip will exceed the maximum day duration we strongly advise that you purchase a top-up emergency medical plan to cover the additional days. Information on Emergency Medical Out-of-Canada Top-up Insurance coverage available for purchase online is available on our Travel Coverage page.

What arrangements should be made if I'm planning an extended stay outside Canada?

Contact your provincial Ministry of Health to arrange for an extension of the provincial coverage if your trip will exceed 6 months (7 months for Ontario residents). If your extended stay will exceed your group plan's Travel Assist maximum day limit, purchase additional top-up coverage prior to departing. Information on Emergency Medical Out-of-Canada Top-up Insurance coverage available for purchase online is available on our Travel Coverage page.

Note: Both the group Travel Assist coverage and individual top-up plans require that provincial health plan coverage be in force during your entire trip outside Canada.

My child is currently enrolled in university and is planning to study abroad for the next school year. Is there a special extension of the RWAM Travel Assist benefit that is available in this situation?

RWAM will extend the Travel Assist benefit to your eligible dependent while studying outside of Canada at a recognized post-secondary college or university, provided your child has not reached the applicable student maximum termination age and provincial coverage is in place. Complete the 'Student Eligibility and Extension Request for Study/Work Term' form and submit to RWAM for processing. Prior to the student's departure, contact your provincial Ministry of Health to ensure provincial coverage will be in force during the entire study period outside of Canada.

Are there certain locations or countries that are not covered under RWAM's Travel Assist plan?

The Government of Canada Travel and Tourism website is updated regularly with Travel Warnings and Advisories for specific countries experiencing civil unrest. We recommend you check this website for essential travel information prior to leaving Canada.

When a Travel Warning or Advisory has been issued for a country that you are travelling to, it is important to be aware of the impact this may have on your Out-of-Canada Emergency Medical benefit with RWAM. Although your coverage itself may be allowed, the Emergency Assistance Services listed in your Travel Assist brochure cannot be guaranteed in countries where there is civil unrest. Also, you may be obliged to pay the provider directly with your own funds for any medical services or treatment. If this situation occurs, you will need to submit original itemized receipts upon your return to Canada.

Medical treatment rendered as a result of acts of war or terrorism is not covered. We encourage you to review your Travel Assist brochure.

Do I need to advise RWAM prior to departing for my trip?

Although RWAM does not need to be advised prior to departure, you may be asked to provide proof of departure for claims exceeding $1000. Such proof may include dated airline, train or bus tickets. If you travelled via automobile, dated receipts for gas or meals purchased by you are acceptable. Any other dated receipts confirming your last date in your Canadian home province prior to your departure are also acceptable.

Is it necessary for me or my dependents to take the original RWAM OneCard when travelling, or will a photocopy suffice?

The original is not necessary as this card is only used as a reference for contacting RWAM Travel Assist in the event of an emergency. All the information you need is accessible through the RWAM Mobile App (your Group #, Certificate #, and all travel contact numbers). If you prefer to carry a paper copy, a photocopy is fine, or you can simply write down the applicable emergency assistance number that is located on the back of your RWAM OneCard. Alternatively, you can carry the detachable wallet card included in the Travel Assist brochure available on our Travel Coverage page, but note you will need to add your personal Group # and Certificate # to this card.

If I experience a medical emergency while travelling Out-of-Province/Canada, what should I do?

Follow these steps when contacting Travel Assist:

Call "RWAM Travel Assist" using the Travel Assist phone numbers indicated on the back of your RWAM OneCard. If at all possible, we recommend that you call Travel Assist first, prior to seeking medical attention. If you are experiencing a medical emergency and you cannot get in touch with someone at RWAM Travel Assist, do not delay & seek medical assistance immediately. If you cannot contact RWAM Travel Assist prior to seeking treatment, they must be contacted within 48 hours of the emergency.
If you are having difficulty reaching us by phone, email your contact information to the Allianz Medical Team at CaseManagementCA@allianz-assistance.ca, with the Subject line ‘Emergency’ and we will call you back. For a detailed list on required information to include in your email, visit Allianz Global Assistance | Experiencing a medical emergency (allianz-assistance.ca)
- Please note that only messages related to active medical emergencies will be responded to.
Advise Travel Assist that you are a member of the RWAM Travel Assist plan and quote your RWAM certificate number from your RWAM OneCard. You may also be asked for the individual government health insurance plan number covering the person who is receiving treatment (you or your eligible dependent).
Explain the medical emergency and the help you require. Travel Assist will direct you to the closest, most appropriate medical facility and arrange direct billing with the Provider, if possible.

Will I need to pay for Out-of-Canada emergency medical services?

Although direct billing is usually arranged for hospital services, generally most Providers rendering less expensive out-patient treatment will require payment up-front. In this situation, you will still need to call RWAM Travel Assist to open a claim, then pay your Provider for the services and obtain a receipt to submit for reimbursement from the insurance company.

If I have experienced a medical emergency and have contacted RWAM Travel Assist, is there a claim form that I will be required to complete?

Yes.

It is important that the Travel Assist Out-of-Canada / Out-of-Province Claim Form is completed in full and returned to Allianz Global Assistance, RWAM's Out-of-Province / Out-of-Canada provider as soon as possible. Include all supporting medical documentation or receipts you may have from the provider.

Please keep copies of all documentation prior to sending to Allianz Global Assistance.

Submit, review and track the status of your claim online at Allianz Global Assistance | Submit a claim (allianzassistanceclaims.ca)

How long will it take to process my Out-of-Province/Out-of-Canada claim?

Out-of-Province/Out-of-Canada claims are typically more complex and generally take longer to process. RWAM's Travel Assistance and Insurance Provider, Allianz Global Assistance may require further information from you, or directly from the invoicing treatment Provider. Depending upon the Provider and/or the country in which treatment took place, it may take a significant period of time for Allianz Global Assistance to obtain the required information. However, their procedures include follow-ups every 21 days from the date information was originally requested until they receive the required documentation. At that point, claim turnaround time is 10 business days from date of receipt of all required documentation.

Should you receive any notices, invoices or related correspondence directly from your Out-of-Province/Out-of-Canada invoicing treatment Provider, please contact RWAM at 1-877-888-7926.

Are there any restrictions or limitations to the Travel Assist Emergency Medical coverage?

RWAM's Travel Assist Emergency Medical Coverage plan covers the costs of medical services required as a result of an emergency illness or injury, which occurs while you are vacationing or travelling. However, not all tests or diagnostic procedures may be covered. This is one of the reasons that it's important to contact RWAM Travel Assist prior to seeking medical treatment, if possible. They will assess the situation, refer the patient to a suitable Provider in the area, open a medical case and their experienced nursing team will monitor care and determine coverages. Routine or elective treatment is not covered. This refers to treatment you could have received in Canada, treatment you could have deferred until your return, and/or ongoing treatments you may need if you are out of the country for a lengthy period of time.

Additional exclusions are listed in your Employee Benefits Booklet.

Note - Travel insurance does not cover everything. For complete terms, conditions, limitations and exclusions, please refer to the policy. Travel insurance is underwritten by CUMIS General Insurance Company, a member of the Co-operators group of companies and administered by Allianz Global Assistance, which is a registered business name of AZGA Service Canada Inc. Also note, Allianz Global Assistance does not tolerate any attempt of fraud and considers it a serious offence. Allianz Global Assistance strictly enforces a zero tolerance policy regarding fraud.

Are there any coverage restrictions for pre-existing conditions?

Although RWAM does not have a specific stability clause the rule of thumb is that if there is a medical condition prior to departure whereby the medical evidence states that there is a reasonable expectation that such medical condition could lead to treatment or hospitalization while travelling, then any resultant claim for that medical condition would be seriously jeopardized. Also, if any trip is commenced or continued against the advice of a physician, or after being diagnosed with a terminal illness, then any resultant claim during that trip would be excluded. Basically, these situations would be where clients are unstable to travel due to their medical conditions.

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