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Questions and Answers About the RVC Insurance Package

Insurance policy with a pen on it.

What does SEVEC’s group accident insurance plan cover?

  • The SEVEC Group Accident Insurance Plan covers all registered participants, youth and adults. The policy is valid only for travel anywhere in Canada. Coverage will start at 12:01 a.m. on the first day of the trip and terminates at 11:59 p.m. on the last day of the trip.
  • This insurance covers the cost of medical treatment, as well as other limited costs, incurred as a result of an accident or illness, which are not reimbursable by the participant’s provincial or territorial health plan and personal medical insurance.

Does the insurance include cancellation insurance for airline tickets?

  • Yes, cancellation insurance for airline tickets is included if the airline tickets are purchased as part of the complete travel package.

If one of the participants can’t return with the group because of an illness or necessary hospital stay out of province, what happens?

  • The Group Organizer will contact the SEVEC representative to discuss the specific circumstances.

If one of the participants gets sick or is injured and requires medical attention, what is done and how does reimbursement happen?

  • If a member of the group gets sick or is injured and requires medical attention, the priority is to seek medical attention. The Group Organizer submits an Accident/Incident Report to SEVEC within 48 hours.
  • Payments for medical attention varies depending upon the province, the type of facility (doctor’s office, family medical clinic, hospital), and service(s) required.
  • Group Organizers should pay all required onsite costs and keep the receipts and the doctor’s report. Once the group has returned home, the participant’s parents should reimburse the person who paid and then submit a claim to their provincial or territorial health plan for reimbursement. When the expenses are not 100% reimbursable through the province or territory, a claim can be made through SEVEC’s Group Accident Insurance Plan. The SEVEC representative will send a claim form and review the claim procedure with the Group Organizer.

Travel Insurance

Complete travel insurance is included in your RVC tour package. The insurance types included in the package are: 

  • Travel Cancellation and Interruption Insurance:
    Risks include sickness (please verify exclusions), injury, death or quarantine of you, a travel companion, an immediate family member, a travel companion’s immediate family member or a caregiver.
  • Travel Accident Insurance:
    Death as a result of injury or dismemberment sustained during the covered trip.
  • Travel Baggage and Personal Effects Insurance:
    Loss of, or damage to, the baggage and personal effects you own and use by reason of theft, burglary, fire or transportation hazards during the covered trip. Limited expenses to purchase necessary toiletries, etc. in the event that your checked baggage is delayed by the common carrier for more than 12 hours while en route.