T.I.C. Travel Insurance Coordinators
Visitors to Canada Plans
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Who can apply? This policy is designed for you, if you are:
Important Notice regarding claim procedure ! You, or someone on your behalf, must notify TIC Emergency Assistance prior to any surgery being performed or within 24 hours of admission to a hospital. Failure to do so, without reasonable cause, will result in the reduction of eligible benefit amounts payable by 20%. Please find TIC Emergency Assistance phone numbers in the policy wording, confirmation of coverage and ID cards. Consult the claim guideline in your Policy Wording (pg.19). |
This insurance policy
meets all requirements for
What coverage will you have?
Eligibility. Coverage is NOT
AVAILABLE to any individual who:
a)
has been diagnosed with a terminal illness;
b)
has been diagnosed with or has had an episode of congestive
heart failure;
c) has Acquired Immune Deficiency Syndrome (AIDS) Human
Immunodeficiency Virus (HIV);
d) has
Alzheimer's disease or any other type of dementia;
e) has received any type of treatment for pancreatic cancer,
liver cancer or any type of cancer that has metastasized;
f) has been prescribed or used home oxygen treatment in the last
12 months;
g) has had a major organ transplant (heart, kidney, liver,
lung); or
h) has received kidney dialysis treatment in the last 12 months.
Age. The applicant has to be over 14 days old at the time of application.
Amount of coverage is available from $10,000 CAD up to a maximum of $150,000 CAD.
Deductibles. This insurance has no deductible. However, the Insured can choose to add one of three deductible options $100 and $250, and receive a discount of 5 per cent and 10 per cent on the premium respectively.
Waiting period. No waiting period if purchased prior to arrival in Canada.
Coverage for losses
resulting from any sickness will begin 48 hours after the
effective date, if you purchase your policy after your
arrival date in Canada, or after the expiry date of an existing
TIC policy.
Any sickness that manifests itself during the 48-hour waiting
period is not covered even if related expenses are incurred
after the 48-hour waiting period.
Family plan is available. Family includes the applicant, age 69 and under, the applicant's spouse, age 69 and under, and dependent children. The premium for family coverage is calculated at two times the premium for the eldest adult age 69 and under.
Travel worldwide. Costs incurred outside of Canada are covered provided majority of the period of coverage is spent in Canada. Costs incurred in your country of origin are not covered.
Refunds
of premium are payable when:
1. The entire trip is
cancelled prior to the
effective date.
2. You return to your
country of origin prior to
the expiry date.
3. You become insured under
a Canadian provincial or
territorial health/medical
plan.
There will be no refund of premium if a claim has been made.
MEDICAL AND HOSPITAL BENEFITS
Emergency means a sudden, unforeseen sickness or injury occurring during the period of coverage, which requires immediate intervention by a physician or legally licensed dentist and cannot reasonably be delayed.
| Benefit | Detail |
| EMERGENCY HOSPITAL |
Up to the maximum aggregate limit selected at the time of application for semi-private hospital accommodation (from $10,000 to $150,000). |
| EMERGENCY MEDICAL |
Up to the maximum aggregate limit selected at the time of application for emergency medical, surgical or anaesthetic services when performed and authorized by a physician. |
| EMERGENCY EXTENDED HEALTH |
a)
Private duty services of a Registered Nurse when approved in advance
by TIC, up to $10,000. |
| EMERGENCY TRANSPORTATION |
The cost up to the policy limit of air ambulance, one-way economy airfare or stretcher to transport you to your country of origin. |
| TRANSPORTATION OF FAMILY OR FRIEND |
Up to $3,000 for round-trip economy class transportation by the most direct route, and up to $1,000 for reasonable costs incurred after arrival by your family member or close friend if you are hospitalized. |
| ATTENDANT |
Up to $50 a day, to a maximum of $500, for an attendant (not related to you) to care for your accompanying insured traveling companions (under age 18, or physically or mentally handicapped traveling companions who rely on you for assistance), if you are hospitalized as the result of an emergency for 48 hours or more. |
| FOLLOW-UP VISITS |
Follow-up visits are covered up to $3,000, provided they are directly related to the emergency and the emergency has been reported to TIC. |
| ACCIDENTAL DENTAL |
Up to $3,000 for repair or replacement of 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, other than provided under Accidental Dental |
| MEALS AND ACCOMMODATION |
Reimbursement of up to $150 per day to a maximum of $1,500 or up to a maximum 10 days in the event you (or your insured traveling companion) are confined to hospital on the date on which you are scheduled to return home. |
| EMERGENCY RETURN HOME |
Up to $3,000 for the cost of one-way economy transportation to your country of origin |
| RETURN OF DECEASED |
In the event of death, up to $10,000 is provided to return your body home, or up to $4,000 for cremation or burial at the place of death. |
| ACCIDENTAL DEATH & DISMEMBERMENT |
Up to the aggregate limit selected at the time of application for accidental loss of life, limb, or sight. |
| ACT OF TERRORISM |
If you sustain a loss from an act of terrorism that is otherwise covered under this plan, TIC will pay up to an aggregate limit of $2.5 million for one or a series of such acts and up to $5 million for all such acts in a calendar year involving all TIC-issued policies. Terrorism from nuclear, biological or chemical means is excluded. |
Exclusions and limitations. Visitors to Canada medical insurance does not cover everything. This insurance has exclusions, conditions and limitations. Please read them and understand the policy before you buy this insurance. If you need assistance, please Contact us .
Coverage for Pre-existing Medical Conditions exclusion may apply to a medical condition and/or symptoms that existed prior to your trip. Check to see how this applies in your policy and how it relates to your departure date, date of purchase or effective date of insurance.
Benefits are not payable for costs incurred due to:
a) If you are 69 years of age or under on the effective
date:
Any pre-existing medical condition unless it was stable
in the 180 days immediately before the effective date.
b) If you are 70 to 79 years of age on the effective
date:
i. Any cardiovascular, cerebrovascular and respiratory
condition that required any or all of: medical
consultation, prescription medication, medical treatment
or hospitalization, within 180 days immediately before
the effective date unless you have completed a Medical
Questionnaire, have been approved in writing by TIC and
have paid the required premium; or
ii. Any other pre-existing medical condition not listed
under “b) i.” unless it was stable in the 180 days
immediately before the effective date;
c) If you are 80 years of age or over on the effective
date:
Any pre-existing medical condition unless you have
completed a Medical Questionnaire, have been approved in
writing by TIC and have paid the required premium.
Stable
means a pre-existing medical condition that:
a) did not require, or was not referred for any medical
consultation; and
b) did not require a change in type or
dosage of medication.
OPTIONAL PLANS
FLIGHT ACCIDENT
Choose either $200,000 or $500,000 for accidental loss of life, limb, sight, or disappearance resulting from an aircraft or airport-related accident.
TRIP INTERRUPTION
Coverage amounts of $800, $1,500 or $2,000 for the cost of one-way transportation home in the event of unexpected insured events.
This a summary of coverage. For the full details of coverage, eligibility, exclusions, limitations and claims procedures, please refer to the Policy Wording .
Please call at 416-493-0101 (1-877-443-0101) for details, consultation and to purchase the policy.