Travel Insurance from TIC

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.

Claims Procedures

1. In the event of a medical emergency, TIC must be notified 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%. To make your claim, fill out the claim form completely and include all original bills. Incomplete information will cause delay.
2. Claims must be reported within 30 days of occurrence.
3. Written proof of claim must be submitted within 60 days of occurrence.
4. Any costs incurred for documentation or required reports are the insured’s or claimant’s responsibility.
When submitting your claim please include:
1. A fully completed and signed Claim form with all original bills and receipts. Incomplete forms will delay your claim.
2. Medical records including an emergency room report and diagnosis from the medical facility or a Medical Certificate completed by the treating physician. Any fee for completing the certificate is not a benefit under this insurance.
3. For physiotherapy visits, a letter from the referring physician recommending a referral to the physiotherapist.
4. Completed appropriate provincial government health insurance plan forms; see claim form for details.
5. Any other documentation that may be required and/or requested by TIC.

All claims forms are available online at: www.travelinsurance.ca or by calling TIC Claims Department.

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

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 indicated in your policy.

RATES

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

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

Investments: RESP RRSP TFSA Guaranteed Investments Segregated Funds