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:
- A tourist, non-resident of Canada or visiting
former Canadian resident
- Not insured or eligible for benefits under a
Canadian government
health insurance plan
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 .
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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.
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.
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Benefit |
Detail |
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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). |
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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. |
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EMERGENCY EXTENDED HEALTH |
a)
Private duty services of a Registered Nurse when approved in advance
by TIC, up to $10,000.
b) Physiotherapist services, when ordered by a physician, to a
maximum of $500.
c) Chiropractic services to a maximum of $500.
d) Lab tests and X-ray examinations ordered by a physician.
e) Licensed local air, land, or sea ambulance (including mountain or
sea evacuation), when necessary, to the nearest hospital.
f) Rental of crutches or hospital-type bed; and the cost of splints,
trusses, braces or other prosthetics.
g) Emergency out-patient hospital services.
h) Prescription drugs or medicines, one-month’s supply, to a maximum
of $500.
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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. |
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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. |
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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. |
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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. |
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ACCIDENTAL DENTAL |
Up to $3,000 for repair or
replacement of whole or sound natural teeth caused by an
accidental blow to the face |
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DENTAL EMERGENCIES |
Up to $500 for the
immediate relief of acute dental pain, other than
provided under Accidental Dental |
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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 travelling
companion) are confined to hospital on the date on which you are
scheduled to return home. |
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EMERGENCY RETURN HOME |
Up to $3,000 for the cost
of one-way economy transportation to your country of
origin |
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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. |
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ACCIDENTAL DEATH & DISMEMBERMENT |
Up to the aggregate limit selected at the time of application for
accidental loss of life, limb, or sight. |
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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. A
Pre-Existing Medical Condition 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. Please read them and
understand
the policy before you buy this insurance. If you need assistance,
please
Contact us .
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.
For the
full details of coverage, eligibility, exclusions, limitations and claims procedures, please refer to the
Policy Wording
.
For more information, free consultation and
to purchase the policy please call
Natalia
at
416-493-0101,
416-458-4577, 1-877-443-0101
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