TIC
Students Insurance

Benefits
Exclusions
Claims
FAQ
Rates
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Administrated by: TIC Travel Insurance Coordinators Ltd.
Underwritten by: Co-Operators Life Insurance Company.
24 hours Emergency Assistance Center: TIC Emergency Assistance

BENEFITS:
  - Maximum Benefit: $2,000,000
  - Hospital & Medical Coverage: Semi-private hospital accommodation and reasonable and customary services and supplies necessary during confinement as a resident in-patient. 
  - Physicians, surgeons, anaesthetists and registered graduate nurse.
  - Diagnostic Treatments: Lab tests and X-ray examinations ordered by a physician.
  - Professional Medical Services – up to $600 per practitioner per year for service of a legally licenced physiotherapist, chiropractor, osteopath, chiropodist or podiatrist.
  - Drugs or Medications – up to one month supply for prescription drugs or medications that require a physician’s written prescription.  Drugs and medications are covered at 100% when the insured is hospitalized.
  - Eye Examination - one routine annual examination by an optometrist when 12 months of consecutive coverage has been purchased.
  - Annual Examination – up to $250 for one routine (wellness) physical examination per year when 12 months of consecutive coverage has been purchased.
  - Accidental Dental: Up to $5,000 for repair or replacement of whole or sound natural teeth damaged by an accidental blow to the face.
  - Dental Emergencies: Up to $600 for the immediate relief of acute dental pain. 
  - Wisdom Teeth - extraction of impacted wisdom teeth, up to $100 per tooth for necessary dental and/or oral surgical procedures.
  - Emergency Transportation: The cost for air ambulance, one-way economy airfare or stretcher to transport you to your country of origin, and a medical escort if deemed medically necessary by TIC.
  - Bedside Companion: Up to $5,000 for round-trip economy transportation to bring up to two bedside companions (your family members or close friends), and up to $1,500 for costs incurred after their arrival, if you are hospitalized for a minimum of 7 days and the attendance is recommended by a physician.
  - Follow-up Visits are covered up to $3,000, provided they are directly related to an emergency and this emergency has been reported to TIC. 
  - Funeral Expenses: In the event of death from covered condition, up to $15,000 is provided to return the body to the country of origin, or up to $5,000 for cremation or burial at the place of death. 
  - Accidental Death & Dismemberment: Up to $15,000 for accidental loss of life, limb or sight. 

The following benefits have an overall combined maximum limit of $10,000: 
  - Private duty services of a registered nurse.
  - Ambulance Transportation: Local land or sea ambulance.
  - Medical Appliance: Rental of crutches or hospital-type bed and the cost of splints, trusses, braces or other prosthetics, oxygen and rental of equipment for its administration, blood and blood plasma, except when donated.

ADDITIONAL BENEFITS for Enhanced Plan (if selected and paid for at the time of application):
  - Maternity Benefit - provided that the pregnancy commenced after the effective date of the policy, the company will cover up to $10,000 for expenses as a result of childbirth, pre-natal and post natal care including routine new-born nursing care. This benefit includes hospital accommodation at the daily public or standard ward rate and services or treatment by a physician as the result of your pregnancy, miscarriage, or complications. Newborns can be covered from 15 days of age following written approval by TIC. 
  - Psychologist and Psychiatric Care – up to $10,000 (lifetime maximum) for hospitalization and up to $1,000 (per year) for treatment of mental, nervous or emotional disorders, including trauma counselling.
 - Pre-existing Conditions are covered provided the condition was stable in the 90 days immediately before the effective date.

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:

ELIGIBILITY: To be eligible for coverage a person must:
   a) be a student; or
   b) be a dependent of such eligible student, all of whom live together in the same residence; and
   c) be currently in good health; and 
   d) be less than 65 years of age; and
   e) not be insured or eligible for benefits under a Canadian government health insurance plan.
To be eligible, you must be enrolled in at least 60% of the required courses for a specific program at a Canadian school, college, university or accredited educational institution. 
WAITING PERIOD For illness: Any sickness for which symptoms occurred within 48 hours of the effective date if the policy has been purchased AFTER your arrival in Canada. No waiting period if the application for this insurance is completed PRIOR to arrival in Canada or before the expiry date of an existing TIC policy.
PRE-EXISTING CONDITIONS: means a sickness, injury or medical condition, whether or not diagnosed by a physician for which you exhibited signs or symptoms, or for which you required or received medical consultation and which existed prior to the effective date of your coverage.
STABLE CONDITION means a pre-existing medical condition that:
   - did not require, or was not referred for any medical consultation; and 
   - did not require a change in type or dosage of medication.
OTHER EXCLUSIONS:
Benefits are not payable for costs incurred due to:
- 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.
- Any 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.
- Naturopathic, holistic or acupuncture treatment
- Emotional, mental or nervous disorders and intentional self-inflicted injury (unless Enhanced plan has been selected).
- Resulting from your participation in protests, armed forces activities, criminal offences, a commercial sexual transaction or the contravention of any statutory law or regulation in the area where the loss occurred.
- Any treatment, investigation or hospitalization which exceeds 30 days following the initial day that necessary outpatient treatment began, unless approved in advance by TIC.
- High-risk activities – heliskiing, ski jumping, skydiving, sky-surfing, scuba diving (except if certified), white water rafting (except grades 1 to 4), street luge, skeleton, rodeo and mountaineering (that requires special equipment).
- Motor sports and speed contests (exceeding 60 km per hour), stunt activities, exhibitions or demonstrations of any kind.
- Professional sports activities.
- Eye glasses, contact lenses, hearing aids and/or prescriptions for any of these items, unless required as the result of an accidental injury.
- Air travel other than as a passenger in a commercial aircraft or air ambulance.
- The purchase of: experimental drugs, preventative medications or vaccines, fertility drugs or testing, contraceptives (with the exception of the morning after pill, which is limited to one per period of coverage), dietary or weight loss products, nicotine or acne medications, vitamins, drugs or medications which can be purchased without a prescription or quantities of any prescription drugs or medications which exceed a 30-day supply within one month prior to the policy expiry date.

CLAIMS:
- To apply for benefits, complete the claim form and include all original bills. Please, take care in filling out the form, as any missing information may cause delay.
- Claims must be reported within 30 days of occurrence.
- Written proof of claim must be submitted within 90 days of occurrence.
- For Accidental Death & Dismemberment Benefits include also: 1. Police report; 2. Corner's report; 3. Death certificate.

SUBMIT CLAIMS TO:
TIC Claims Department 
2100-250 Yonge Street
Toronto ON, Canada M5B 2L7

FAQ:
Who is eligible for this insurance?
- To be eligible, you must be enrolled in at least 60% of the required courses for a specific program at a Canadian school, college, university or accredited educational institution. 
- You must also be a temporary resident of Canada without any government health care coverage. 
- If you have a spouse or children living with you, they can also be insured under your policy.
- You are also eligible if you have completed your studies and remain up to a year in Canada to work in the field or your studies.

Are the premiums refundable?
A full refund will be provided for policies which are recovered within 10 days of purchase.
Refunds for partial cancellations will be calculated by multiplying the daily premium by the actual number of days the policy was in effect; if this amount is less than the minimum premium required, the minimum premium will be used. This amount is then subtracted from the total premium paid.
Refund amounts less than $10 will not be issued.
There will be no refund of premium if any losses have been incurred whether or not a claim has been made.

I want to stay longer. Can I extend my coverage?
Yes, you can subject to policy terms and conditions. Just call your agent or TIC 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, coverage outside Canada is included, provided the insured person spends at least 51% of the period of coverage within Canada. Trips to the United States are limited to 30 days.

About TIC 
TIC Travel Insurance Coordinators Ltd., one of the largest travel insurers in Canada, is 100% owned by Co-operators Life Insurance Company, part of the Co-operators Group, Canada's largest, Canadian-owned, multi-product insurer.

RATES: