** This insurance coverage is for Canadian Residents only.

Rates

Please check our rates below.

Why do I need travel insurance?

Government health insurance plans will pay only a small fraction of expenses if you are sick or injured while outside Canada. Some hospitals charge thousands of dollars a day, not including doctors' fees or diagnostic services. Without emergency hospital and medical insurance, you and your family would be responsible for these high costs, which can create a significant financial burden. Other mishaps like replacing lost or stolen baggage, or buying a one-way ticket because of a missed return flight, can ruin your holiday or business trip.

What is covered?

Travel insurance is intended to cover sudden, unexpected, and unforeseeable circumstances. Please read the 'Benefits' section for a summary of the coverage available.

What is not covered?

Travel insurance does not cover everything. This insurance has exclusions, conditions and limitations. Please read them and understand the policy before you buy this insurance.

I travel a lot. Can I get a better deal?

Multi-trip Plans provide frequent travellers with the convenience of not having to purchase insurance every time you travel. You can take as many trips as you want during the one year coverage period.

Are there age limits?

Coverage is not available for persons less than 15 days old. If you are61 years and older travelling 61 days or longer, you must complete a medical questionnaire and receive written acceptance from TIC.

I want to stay longer.
Can I purchase further coverage?

Yes you can, subject to policy terms and conditions. Just call us or TIC (during business hours) prior to the expiry of your first coverage. You must be in good health and not have incurred any losses with TIC. Fees will be charged.

What if I have an emergency or claim?

Our professional emergency assistance and claims personnel are available to help you 24 hours a day, 7days a week. TIC's experienced multilingual staff verify coverage to hospitals, arrange emergency medical evacuation, coordinate payments, and contact your family doctor and relatives. We're here to help you. Call TIC Emergency Assistance or have someone call on your behalf as soon as possible.

www.travelinsurance.ca/claims/claimsHowTo.php

Is my personal information protected?

We are committed to protecting the privacy, confidentiality and security of the personal information we collect, use and disclose. Your personal information, including your medical history, will be collected, used and disclosed only for the purpose of providing you with the requested insurance services. For a copy of TIC's privacy policy, please contact us or visit our website www.travelinsurance.ca.

BENEFITS

Provides up to $2 million for emergency hospitalization (semi-private) and emergency medical services in excess of your provincial or territorial plan.

MEALS AND ACCOMMODATION

While you are in hospital, insured family members or travelling companions remaining with you will be reimbursed up to $3,000 for reasonable living expenses.

TRANSPORTATION OF FAMILY OR FRIEND

Up to $3,000 for round-trip economy transportation to bring a family member or close friend to your bedside, plus, up to $1,000 for reasonable costs, if you are hospitalized, or to identify your remains in the case of your death.

RETURN OF TRAVELLING COMPANION

The extra cost of one-way economy transportation to return your insured travelling companions (under age 18, or physically or mentally handicapped and reliant on you for assistance) and one insured accompanying family member home, if you have been returned to Canada by Air Ambulance. Pre-approval by TIC required.

ATTENDANT

When pre-approved by TIC, covers the cost of an attendant (not a relative) plus the attendant's return economy transportation to travel with your children (under age 18, or physically or mentally handicapped and rely on you for assistance) home when you have been air evacuated back to Canada.

RETURN OF VEHICLE OR WATERCRAFT

Up to $3,000 will be reimbursed if, due to a covered sickness or injury, you cannot return the vehicle or watercraft used for the journey. TIC will arrange to return the vehicle for you.

PET RETURN (DOG OR CAT)

Up to $300 for the cost of returning your accompanying dog or cat to Canada, if you return to Canada under the Emergency Transportation benefit or are hospitalized due to a covered sickness or injury.

RETURN OF DECEASED

In the event of death, TIC will reimburse up to $10,000 for the cost incurred to return your 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 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

When you are assessed as medically transportable, TIC will arrange for emergency transportation to a hospital in Canada or to the nearest hospital.

RETURN TO ORIGINAL TRIP DESTINATION

If you return home under the Emergency Transportation benefit and your emergency is completely resolved, TIC will pay up to $5,000 for one-way economy transportation for you and one insured travelling companion, to return to your original trip destination. Must be pre-approved by TIC.

OPTIONAL PLANS

(available for an additional premium)

BAGGAGE

Choose either $1,000 or $1,500 to cover theft of, or damage to, your baggage, personal belongings, travel documents or currency. Each item, or group of related items, is covered up to $300 with a $50 deductible per claim. Up to $200 for emergency care for an injury to your accompanying cat or dog and up to $100 for repair or rental replacement of your wheelchair.

ACCIDENTAL DEATH & DISMEMBERMENT

Choose either $25,000, $100,000 or $250,000 of coverage for accidental loss of life, limb, sight or disappearance during your trip other than while flying.

FLIGHT ACCIDENT

Choose either $200,000 or $500,000 for accidental loss of life, limb, sight or disappearance resulting from an aircraft 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.

RENTAL CAR COLLISION DAMAGE PROTECTION

Provides up to $50,000 for physical damage to an automobile rented from a commercial car rental agency.

TRIP CANCELLATION

If your trip is cancelled, interrupted or delayed due to an Insured Risk (see policy for details) TIC will reimburse you for the amount that is non-refundable on the date of occurrence of the Insured Risk that prevents you from travelling as scheduled. After-departure benefits cover the extra cost of economy transportation to the ticketed destination; the unusable pre-paid, insured travel arrangements; and out-of-pocket expenses up to $200 per day to a maximum of $600 for commercial accommodation and meals, essential telephone calls and taxi fares. Additional benefits are also available.

Exclusions

Your coverage is subject to various exclusions, which are completely set out in the 'Exclusions' section of the policy document. The following, although not an exhaustive list, are some of these policy exclusions:

• Any sickness, injury or medical condition, that exhibited symptoms for which a diagnosis need not have been made or required any or all of, medical consultation, prescription medication, medical treatment or hospitalization, within the 180 days immediately prior to the effective date. This exclusion applies to persons up to age 70 on the effective date, travelling for periods of 36 days or longer and persons age 71 and over for trips of any duration.
• Any sickness, injury or medical condition for which a diagnosis need not have been made, or state of health which, prior to the effective date of coverage, was such as to render expected medical treatment or hospitalization.
• Any sickness, injury or state of health where the trip is taken to get medical treatment or advice for such injury or sickness.
• Loss, death or injury that is contributed to by the abuse of drugs, alcohol or any other intoxicant.
• Expenses incurred as a result of pregnancy within eight weeks of the expected delivery date.

This brochure is an illustration only. It is not an insurance policy. For the complete terms, benefits, conditions and exclusions please see the policy document.

Emergency Hospital & Medical Plans

U.S.A. Plan Includes worldwide destinations
Age (Years)	Daily Rate: 1-35 Days	36-60 Days	61-365 Days
0 - 30	$1.75/Day	$1.75/Day	$1.75/Day
31 - 54	$2.10/Day	$2.10/Day	$2.10/Day
55 - 60	$2.50/Day	$2.50/Day	$2.50/Day
61 - 65	$3.80/Day	$3.95/Day	**
66 - 70	$4.70/Day	$4.80/Day	**
71 - 76	$10.00/Day	$10.00/Day	**
77 +	$14.00/Day	$15.00/Day	**
Family 0-60	$5.40 *
All prices are in Canadian Dollars Minimum premium per policy: $16.00 * $1.75 for each additional family member over 5 persons ** Please contact us for quotation.

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Non-U.S.A. Plan Includes worldwide destinations
Age	Daily Rate: 1-35 Days	36-60 Days	61-365 Days
0 - 30	$1.15/Day	$1.15/Day	$1.15/Day
31 - 54	$1.45/Day	$1.45/Day	$1.45/Day
55 - 60	$1.75/Day	$1.75/Day	$1.75/Day
61 - 65	$2.65/Day	$3.70/Day	**
66 - 70	$3.75/Day	$4.50/Day	**
71 - 76	$9.50/Day	$9.50/Day	**
77 +	$13.50/Day	$14.50/Day	**
Family 0-60	$3.35 *
All prices are in Canadian Dollars Minimum premium per policy: $16.00 Five days of transit through the U.S.A. is permitted. * $1.15 for each additional family member over 5 persons ** Please contact us for quotation.

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Basic Multi-trip Plan

Worldwide travel - annual premium

Emergency Excess Hospital & Medical Coverage

Choose your usual trip length

	Trip length in days
Age	8 Days	15 Days	35 Days	60 Days	105 Days
Age 0-40	$ 42	$ 62	$ 86	$146	$207
Age 41-60	$ 59	$ 72	$ 97	$195	$302
Age 61-70	$ 78	$118	$177	$357	**
Age 71-75	$129	$209	$340	$684	**
Family 0-40	$ 84	$139	$194	$329	$465
Family 41-60	$118	$163	$219	$440	$680
All prices are in Canadian Dollars Premium rate is per year. ** Please contact us for quotation.

Note: The family rate applies to a maximum of 5 persons and includes the applicant and their spouse under age 61 and their dependent children under age 22, all living in the same residence. Pre-existing conditions can be medically underwritten.
Contact us.

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Select Multi-trip Plan

Worldwide travel for 35-day trips - annual premium

Option #1 includes Emergency Hospital & Medical and Flight Accident

Option #2 includes Emergency Hospital & Medical, Flight Accident, $1000 Trip Cancellation & $2000 Interruption coverage

Age	Option #1	Option #2
Single 0-60	$104 /yr	$174 /yr
Single 61-70	$209 /yr	$280 /yr
Single 71-75	$428 /yr	$500 /yr
Family 0-60	$208 /yr	$348 /yr
All prices are in Canadian Dollars * Premium rate is per year.

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Optional Plans

* If you would like to apply for the Multi-trip Plans and the Optional Plan,
please use this PDF Application Form.

Taxes apply to some plans. Please call your agent for details.

Baggage

Days		1-5	6-10	11-18	19-35	36-60	61-365
Rate	Sum Insured $1,000	$20	$35	$55	$75	$105	$1.60*/Day
	Sum Insured $1,500	$25	$50	$70	$95	$140	$2.10*/Day
All prices are in Canadian Dollars * Add the 60 day premium to the daily rate for each additional day over 60 days.

Accidental Death & Disablement

Sum Insured	$25,000	$100,000	$250,000
Rate	$0.30	$1.25	$3.10
All prices are in Canadian Dollars Minimum premium per policy: $16.00

Flight Accident

Sum Insured	$200,000	$500,000
Rate	$13.80	$27.70
All prices are in Canadian Dollars

Trip Interruption

Sum Insured	$800	$1,500	$2,000
Rate	$12.00	$18.00	$25.00
All prices are in Canadian Dollars

Rental Car Collision Protection

Sum Insured	Rate
$50,000	$12.00/Day
All prices are in Canadian Dollars Minimum premium per policy: $24.00 Does not provide coverage for any third party liability claims or personal accident claims.

Trip Cancellation

Trip cancellation rates are based on the amount of insurance. Please contact us for rate information.

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Important Notes