Rates
Please check our rates below.
Why do I need insurance?
Health care costs in Canada are very expensive. Hospitals can charge thousands of dollars per day.
Without emergency hospital and medical insurance, you and your family would be responsible for these high costs, which can create a significant financial burden.
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.
What are my coverage options?
Who is TIC?
TIC has over 50 years of experience in the Canadian travel health insurance market and understands the unique insurance needs of visitors to Canada.
We are committed to providing you with knowledgeable support and service when you need it most.
TIC insurance plans are underwritten by Co-operators Life Insurance Company.
TIC is a Canadian-owned part of Co-operators Group of companies, with assets exceeding $6 billion.
You can choose between the Basic Plan and the Select Plan. There are also several optional plans available for an additional cost.
Are there age limits?
Coverage is not available for persons less than 15 days old. Persons over age 85 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 policy.
You must be in good health and not have incurred any losses with TIC.
Will this cover me for trips outside Canada?
Yes, provided the majority of your period of coverage is spent in Canada. Expenses incurred in your country of origin will not be covered.
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.
What if I get sick or injured?
Our professional emergency assistance and claims personnel are available to help you 24 hours a day, 7 days a week.
TIC's experienced multilingual staff verify coverage to hospitals, arrange emergency medical evacuation, coordinate payments, and contact your family doctor and relatives as needed.
We're here to help you.
Call TIC Emergency Assistance or have someone call on your behalf as soon as possible.
How do I make a claim?
Fill out the claim form completely or you can start a claim online at our website.
www.travelinsurance.ca/claims/claimsHowTo.php
Benefits
You can choose between the Basic Plan and the Select Plan.
Basic Plan
The Basic Plan has a $50 deductible per person, per policy, and includes the following benefits.
EMERGENCY HOSPITAL & MEDICAL SERVICES
Up to the sum insured purchased for emergency hospitalization (semi-private) and the following emergency medical services:
- Physicians, surgeons, anesthetists and registered graduate nurse.
- Physiotherapist services, when ordered by a physician, to a maximum of $500.
- Chiropractic services to a maximum of $500.
- Lab tests and X-ray examinations ordered by a physician.
- Licensed local air, land, or sea ambulance (including mountain or sea evacuation), when necessary, to the nearest hospital.
- Rental of crutches or hospital-type bed; and the cost of splints, trusses, braces or other prosthetics.
- Emergency out-patient hospital services.
- Prescription drugs or medicines, one-month's supply, to a maximum of $500.
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 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.
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.
Please read your policy for a full description of coverage details and exclusions.
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, and a medical attendant if required,
when immediate medical consultation is required following a covered emergency sickness or injury.
RETURN HOME
Up to $3,000 for the cost of one-way economy transportation to your country of origin if the covered sickness or injury necessitates your immediate return home during the period of
coverage. Includes one additional insured family member.
Select Plan
The Select Plan includes the following benefits in addition to the Basic Plan benefits listed above. There is no deductible.
ACCIDENTAL DEATH & DISMEMBERMENT
Up to $25,000 for accidental loss of life, limb, or sight.
FOLLOW-UP VISITS
Two follow-up visits to your physician following emergency treatment of an injury or acute sickness.
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 due to a covered sickness or injury and the attending physician advises the necessary attendance by such persons; or if local authorities legally require
the attendance of such persons to identify your remains in the event of death due to a covered sickness or injury.
ATTENDANT
Up to $50 a day, to a maximum of $500, for an attendant (not related to you) to care for your accompanying insured travelling companions
(under age 18, or physically or mentally handicapped travelling companions who rely on you for assistance),
if you are hospitalized as the result of an emergency for 48 hours or more.
Optional Plans
* If you would like to apply for the Multi-trip Plans and the Optional Plan,
please use this PDF Application Form.
ACCIDENTAL DEATH & DISMEMBERMENT
Choose either $25,000, $100,000 or $250,000 of coverage for disappearance or accidental loss of life, limb, or sight 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 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 brochure is an illustration only. It is not an insurance policy.
For the complete terms, benefits, conditions and exclusions please see the policy document.
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 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 180 days immediately preceding the effective date.
- Any sickness for which symptoms occurred within 48 hours of the effective date, except when application for this insurance is completed prior to arrival in Canada or before the expiry date of an existing TIC Visitors to Canada policy.
- Any sickness or injury 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.
- An injury or sickness, or state of health which, prior to the effective date of coverage, was such as to render expected medical treatment or hospitalization.
- Expenses incurred as a result of pregnancy or childbirth.
- Expenses incurred outside of Canada where the majority of the time on risk has not been spent in Canada.
- Expenses incurred inside an insured's country of origin which is other than Canada.
You must call TIC emergency assistance prior to any surgery being performed or within 24 hours of admission to hospital.
failure to do so, without reasonable cause, will reduce eligible expenses by 20%.
Basic Plan
Emergency Hospital & Medical Expenses
Daily rates per person
| Sum Insured |
$10,000 |
$25,000 |
$50,000 |
$100,000 |
$150,000 |
| Age 0-40 |
$1.60 |
$2.00 |
$2.30 |
$3.30 |
$3.60 |
| Age 41-60 |
$1.80 |
$2.40 |
$2.70 |
$4.45 |
$5.10 |
| Age 61-70 |
$2.90 |
$4.00 |
$4.90 |
$6.45 |
$6.80 |
| Age 71-85* |
$3.80 |
$5.20 |
$6.30 |
* |
* |
| Family 0-60 |
$4.50 |
$6.00 |
$6.75 |
$8.75 |
$10.00 |
All prices are in Canadian Dollars
* Please contact us for a quotation. You will need to complete a medical questionnaire.
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Select Plan
Emergency Hospital & Medical Expenses
Daily rates per person
| Sum Insured |
$10,000 |
$25,000 |
$50,000 |
$100,000 |
$150,000 |
| Age 0-40 |
$2.50 |
$3.00 |
$3.30 |
$4.00 |
$4.50 |
| Age 41-60 |
$2.70 |
$3.30 |
$3.60 |
$5.00 |
$6.00 |
| Age 61-70 |
$4.10 |
$5.25 |
$6.20 |
$9.00 |
$9.50 |
| Age 71-85* |
$5.40 |
$6.90 |
$8.25 |
* |
* |
| Family 0-60 |
$6.75 |
$8.25 |
$9.00 |
$11.50 |
$13.00 |
All prices are in Canadian Dollars
* Please contact us for a quotation. You will need to complete a medical questionnaire.
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.
- No deductible on the Select Plan.
- Maximum period of coverage: 365 days
- Minimum premium: 10 days per person or family
- Maximum sum insured: $50,000 for persons age 71 to 85 except completion of a medical questionnaire.
- If you would like to apply for the Multi-trip Plans and the Optional Plan,
please use this PDF Application Form.
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Optional Plan
| Accidental Death & Dismemberment |
| Sum Insured |
Rate |
| $25,000 |
$0.30/Day |
| $100,000 |
$1.25/Day |
| $250,000 |
$3.10/Day |
| Minimum premium per person: $16.00 |
| |
| Air Flight Accident |
| Sum Insured |
Rate |
| $200,000 |
$13.80 |
| $500,000 |
$27.70 |
| |
| Trip Interruption |
| Sum Insured |
Rate |
| $800 |
$12.00 |
| $1,500 |
$18.00 |
| $2,000 |
$25.00 |
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Important Notes
- You must call TIC emergency assistance prior to any surgery being performed or within 24 hours of admission to hospital.
failure to do so, without reasonable cause, will reduce eligible expenses by 20%.
- It is a condition precedent to liability under your policy that at the time of application,
you are in good health and know of no reason to seek medical attention.
- Insurance Policy (Terms and Conditions) PDF file >>
