Travel Insurance for Canadians from TIC: information and rates

All plans are available only to Canadian residents covered by provincial or territorial government health insurance plan (GHIP) for the full period of coverage.

What does Emergency Hospital&Medical Expenses for Canadians cover?

The company will pay up to $5 million for reasonable and customary costs incurred unexpectedly by an insured Canadian resident during the period of coverage.

Here are some of the benefits Emergency Hospital & Medical Insurance you receive:

◊ Emergency Hospital & Medical: Emergency hospitalization (semi-private) and emergency medical services in excess of your provincial or territorial plan.

◊ Meals & Accommodation: While you're in hospital, insured family members or traveling companions will be reimbursed up to $3,000 for reasonable living expenses.

◊ Transportation of Family or Friend: Up to $3,000 for economy transportation (one round trip) to bring a family member or close friend to your bedside.

◊ Return of Traveling Companion: One-way economy airfare to return your insured, dependent traveling companions and one insured family member home, if you returned home by air ambulance.

◊ Return of Vehicle or Watercraft: Up to $3,000 to arrange the return of the vehicle or watercraft used for your journey if you are unable to do so due to illness or injury.

◊ Pet Return (Dog or Cat): Up to $300 to return your dog or cat to Canada, if you are hospitalized or returned to Canada under the Emergency Transportation benefit.

◊ Return of Deceased: In the event of death, we will reimburse up to $10,000 for the cost incurred to return the body to Canada, or up to $4,000 for cremation or burial at the place of death.

◊ Accidental Dental: Up to $3,000 is payable for emergency repair or replacement of your whole or sound natural teeth caused by an accidental blow to the face.

◊ Dental Emergencies: Up to $500 for the immediate relief of acute dental pain caused by other than a blow to the face.

◊ Emergency Transportation: Transportation to the nearest appropriate medical facility should you suffer a covered emergency sickness or injury.

◊ Attendant: The company will arrange for an attendant to travel with your insured, dependent traveling companions if you are returned home by air ambulance.

◊ Act of Terrorism: The company will cover losses otherwise payable under this plan resulting from an act of terrorism, up to an aggregate limit for all eligible policies due to a single act of terrorism.

◊ Return to Original Destination: Up to $5,000 for one-way economy airfare for you and one insured traveling companion, to the original destination if the emergency that required you to return to Canada is subsequently resolved.

Note: This information is an illustration only. Travel insurance does not cover everything. For the complete terms, conditions, limitations and exclusions please see the policy wording.

Coverage for Pre-existing Medical Conditions

Benefits are not payable for costs incurred due to:

i. If you are 59 years of age or under on the effective date:

Any pre-existing medical condition if that condition was not stable in the 90 days immediately before the effective date, even if you previously disclosed that condition to the company when applying for coverage under a different or previous TIC policy.

ii. If you are 60 years of age and over on the effective date:

Any pre-existing medical condition if that condition was not stable in the 180 days immediately before the effective date, even if you previously disclosed that condition to the company when applying for coverage under a different or previous TIC policy

To obtain coverage for a pre-existing medical condition that was not stable in the applicable period immediately before the effective date, a new Detailed Medical Questionnaire must be completed and submitted to the company, be approved in writing by TIC and you must pay the required premium.

For the full details of coverage, eligibility and claims procedures please refer to the Policy wording.

For more information, free consultation and to purchase a policy please call at

416-493-0101, 416-458-4577, 1-877-443-0101