T.I.C. Travel
Insurance Coordinators
Insurance for
Canadian Travelers
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Who can apply?
To be
eligible for medical coverage you must:
a) be at least 15 days old; and
b) be currently in good health and know of no reason to seek
medical consultation during the period of coverage; and
c) not reside in a nursing home and receive nursing care;
and
d) not reside in a convalescent home or rehabilitation
centre; and
e) not require assistance with activities of daily living;
and
f) be insured for benefits under a Canadian government
health insurance plan during the entire period of coverage.
Extended Absence from Canada
The provincial and territorial government health
insurance plans limit the time a person can be out of
Canada and still remain eligible for provincial
healthcare coverage. Check your province's health plan
for details.
Important Notice
regarding claim procedure !
You must
notify TIC Emergency Assistance (toll free 1-800-995-662 or
worldwide collect 416-340-0049) within 24 hours of admission to
a hospital and before any surgery is performed. If you fail to
do so without reasonable cause, then TIC will reduce the
benefits payable to you under this policy by 20%.
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What coverage will you
have?
Emergency Medical Insurance (Single -Trip and Multi-Trip)
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) or 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.
Applicants
60 years old and over have to complete the
Medical
questionnaire
to determine rate category.
Single-Trip Plan: Provides coverage for a single trip: Worldwide, Worldwide excluding USA (includes up to 5-day transit coverage in USA), and Canada only.
Multi-Trip Plan:
Annual plans: Multi-Trip Basic and Multi-Trip Select.
Choose from 8, 15, 35, 60,
105 day multi-trip plans. You’ll be covered for 12 months and can travel from your home province for an unlimited number of trips up to the trip duration you have chosen.
Coverage for each separate trip commences and becomes effective immediately upon your departure from your province or territory of residence and expires when you return to your province or territory of residence.
Multi-Trip Basic is an annual emergency hospital&medical insurance.
Multi-Trip Select plan has two options:
Option 1 includes Emergency Hospital&Medical insurance and Flight Accident ($100,000)
Option 2 includes Hospital&Medical insurance, Flight Accident ($100,000 ), Trip Cancellation ($1,000) and Trip Interruption ($2,000) coverage.
Deductible. Deductible options $250,
$1,250, $6,000, $12,000, $30,000, $100,000 are available for premium discount.
Family Plan. Available up to age 59. Family includes the applicant, no more than one additional adult family member and dependent children. Dependent children: means unmarried children up to age 21 years of age and under.
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:
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Benefit |
Detail |
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Emergency
Hospital |
Semi-private hospital
accommodation and reasonable and customary services
and supplies necessary for your emergency care during
confinement as a resident in-patient. |
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Medical Services |
The
services of a legally licensed physician, surgeon,
anaesthetist or registered graduate nurse. |
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Diagnostic Services |
When
performed at the time of the initial emergency, lab
tests and/or X-ray examination as ordered by a physician
for the purpose of diagnosis. |
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Out-Patient Treatment |
Emergency out-patient services provided by a hospital. |
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Prescription Drugs |
Drugs or medications that require a physician's written
prescription, not exceeding a one-month supply. To a
maximum $500 per insured person unless hospitalized as
an in-patient. |
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Paramedical Services |
The
services of a legally licensed physiotherapist, chiropractor, osteopath,
chiropodist, podiatrist or acupuncturist for treatment
of a covered injury. Not to exceed $300 per profession. |
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Ambulance |
The
use of a licensed local air, land, or sea ambulance
(including mountain or sea evacuation), to the nearest
hospital when reasonable and necessary. |
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Emergency Transportation |
Transportation to the nearest appropriate medical
facility or to a Canadian hospital due to a covered
emergency sickness or injury. |
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Special Attendant |
One
round-trip, economy class airfare for a medical
attendant to accompany you back to your province of
residence. |
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Private Duty Nursing |
Up
to maximum $5,000 per person |
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Accidental Dental |
Up
to $3,000 per injury and up to $500 for the relief of
dental pain. |
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Return of Remains |
Preparation and transportation to your country of
origin, destination in Canada, or the cost of cremation
or burial at the place of death. |
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Child Care |
If
you are hospitalized, up to $500 for licensed child
care for a dependant that is traveling with you. |
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Out of Pocket Expenses |
Accommodations, meals, phone calls and taxi or bus fares
incurred by an accompanying family member in the event
hospitalization continues after the policy expiry date. |
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Coverage Continuation |
If
coverage expires while hospitalized, coverage will
continue for all covered persons up until 72 hours after
discharge from the hospital. |
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Trip
Break
for
Single-Trip Plans |
During
the period of coverage yon may return once to your
province or territory of residence for up to 15
consecutive days without terminating this policy. There
is no coverage under this plan in your province or
territory of residence. Refunds are not payable for any
days you spend in your province or territory of
residence during the Trip-Break. If you experience any
change in your health during the Trip-Break, you must
notify TIC prior to exiting your province or territory
of residence for confirmation of continued coverage. |
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Other Benefits |
Return of
Family Member,
Family to Bedside,
Family Transportation,
Return of Vehicle,
Return of Cat or Dog,
Escort of Insured Children |
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24-Hour Travel Assistance Services
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Coordination of all medical care, transportation, and
repatriation; telephone interpretation services in most
languages; monitoring of progress during treatment and
recovery by managed care. |
This is a
summary of the benefits. Please
read the
Policy wording
before purchasing the policy for more details on the coverage
provided, conditions, exclusions and claim procedure.
Exclusions and limitations. Travel 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.
A
Pre-Existing Medical Condition
exclusion may apply to a medical condition
and/or symptoms that existed prior to your
trip. Refer to the policy wording to see how this applies in your policy and
how it relates to your departure date, date of purchase or
effective
date of insurance. If you need assistance,
please
Contact us .
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If you
have questions about this coverage or want to purchase the
policy, please, call Natalia at 416-493-0101,
1-877-443-0101
In
the event of an emergency please call TIC Emergency Assistance
immediately,
call prior to
any surgery being performed or within 24 hours of admission to a
hospital. The phone numbers are shown in your policy.
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RATES
EMERGENCY HOSPITAL&MEDICAL PLANS



OPTIONAL PLANS

Taxes apply to
some Optional plans
For more information, free consultation and
to purchase a policy please call
Natalia at
416-493-0101,
416-458-4577, 1-877-443-0101
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