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MEDICAL AND HOSPITAL BENEFITS

The Visitors to Canada insurance plan includes the following benefits:

●  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).

●  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.
 

●  EMERGENCY EXTENDED HEALTH
For the following emergency medical services, supplies and treatments:

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.
 

●  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.
 

●  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.

●  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.
 

●  FOLLOW-UP VISITS
Up to three follow-up visits, unless otherwise approved by TIC, are covered provided they are directly related to the emergency and the emergency has been reported to TIC.

●  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.
 

●  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.

●  EMERGENCY RETURN HOME
Up to $3,000 for the cost of one-way economy transportation to your country of origin. i
 

●  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 DEATH & DISMEMBERMENT
Up to the aggregate limit selected at the time of application for accidental loss of life, limb, or sight.
 

●  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.

Travel insurance does not cover everything. This insurance has exclusions, conditions and limitations. A pre-existing 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.

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.

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 90 days of occurrence.

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.  Proof of travel dates for trips outside of Canada.
4. Further documentation may be required upon review of your claim.

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.