TIC
Visitors 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 Benefits: $10,000; $25,000; $50,000; $100,000 and $150,000. 
  - Emergency Hospital & Medical Coverage: Up to the amount of insurance purchased for emergency hospital accommodation (semi-private) and following medical services: 
  - Physicians, surgeons, anaesthetic and registered nurse.
  - Diagnostic Treatments: Lab tests and X-ray examinations ordered by a physician.
  - Ambulance Transportation: Licensed local air, land, or sea ambulance (including mountain or sea evacuation) to the nearest hospital, when reasonable and necessary.
  - Medical Appliance: Rental of crutches or hospital-type bed and the cost of splints, trusses, braces or other prosthetics. 
  - Prescription drugs or medications - one-month supply, to a maximum of $500 per person.
  - Professional Medical Services referred by a physician - care received from a licensed physiotherapist, chiropractor, osteopath, chiropodist and podiatrist - up to $500 per category of practitioner.
  - Funeral Expenses: In the event of death from covered condition, up to $10,000 is provided to return the body home, or up to $4,000 for cremation or burial at the place of death. 
  - Accidental Dental: Up to $3,000 for repair or replacement of whole or sound natural teeth damaged 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.
  - Act of Terrorism: If you sustain a loss from an act of terrorism that is covered under this plan we will pay up to an aggregate limit in Canadian dollars. 
  - 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.
  - 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, and a medical attendant if required, when immediate medical consultation is required following a covered emergency sickness or injury.
  - Return Home: Up to $3,000 for the cost of one-way economy transportation to your country of origin if the covered sickness or injury necessitates your immediate return home during the period of coverage. This benefit also includes one additional insured family member.
  - Accidental Death & Dismemberment: Up to the policy limit for accidental loss of life, limb or sight. 
  - Bedside Companion: Up to $3,000 for round-trip economy transportation to bring a family member or close friend to your bedside when advised by an attending physician. 
  - Attendant: Up to $500 for an attendant (not related to you) to care for your insured travelling companion (under age 18, or reliant on you for assistance), if you are hospitalized for 48 hours or more. 
  - Stable Pre-existing Medical Condition is covered up to age 69 if it has been stable in the 180 days immediately before the effective date. 

If you are 70 to 79 years of on the effective date, you have to complete a Medical Questionnaire and have to be approved in writing by TIC in order to be covered for the following Stable Pre-existing Medical Condition: any cardiovascular, cerebrovascular and respiratory condition. Cardiovascular means myocardial infarction, heart attack, arrhythmia, atrial fibrillation, heart murmur, chest pain or angina, arteriosclerosis, carotid artery occlusion, congestive heart failure, cardiac by-pass or any other kind of cardiac surgery, angioplasty or stent, use of pacemaker or defibrillator, congenital heart defect, or any other condition relating to the heart or cardiovascular system. Cerebrovascular means cerebrovascular accident (CVA), stroke, transient ischemic attach (TIA), aneurysm, or mini-stroke, Parkinson’s disease, seizures, or epilepsy. Respiratory means chronic obstructive pulmonary disease (COPD), bronchial asthma, chronic bronchitis, emphysema, or any other respiratory condition requiring the use of corticosteroids.

Any other pre-existing medical condition not listed above is covered up to age 79 if it has been stable in the 180 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:
Coverage in 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 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 LIMITS: To be eligible for coverage a person must be at least 15 days old. Maximum period of coverage is 365 days. Visitors over age of 85 need to complete a medical questionnaire in order to receive coverage. No coverage after 2 years of uninterrupted coverage under a TIC insurance plan.
WAITING PERIOD For illness: Any sickness for which symptoms occurred 48 hours after 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 the existing TIC Visitors to Canada policy.
PRE-EXISTING CONDITION 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.
Note: Pre-existing medical conditions look back period is 180 days for visitors up to age 79 and Lifetime for age 80 and over unless a medical questionnaire has been completed and approved by TIC.
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:
   - 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.
   - Expenses incurred as a result of pregnancy or childbirth.
   - Any emotional, mental or nervous disorders.
   - Expenses incurred outside of Canada where the majority of the time on risk has not been spent in Canada.
   - Expenses incurred inside an insured's country of origin which is other than Canada.
   - High-risk activities and professional sports – 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.
  - Naturopathic, holistic or acupuncture treatment.
  - Any loss incurred when, prior to the effective date, the Department of Foreign Affairs and International Trade of the Canadian Government issued a written warning to avoid all travel, or to avoid non-essential travel, to that city, region, or country.

CLAIMS:
You must notify TIC Emergency Assistance (toll free 1-800-995-1662 or worldwide collect 416-340-0049) 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, complete the claim form and include all original bills. Incomplete forms will 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. Coroner's report; 3. Death certificate.

SUBMIT CLAIMS TO:
            TIC Claims Department 
            2100-250 Yonge Street
       Toronto ON, Canada M5B 2L7
Collect worldwide: 416-340-8809
Toll free Canada/USA: 1-800-869-6747

TIC Emergency Assistance and claims personnel are available to help you 24 hours a day, 7 days a week. TIC's experienced multilingual staff verifies coverage to hospitals, arrange emergency medical evacuation, coordinate payments, and contact your family doctor and relatives as needed.
Call TIC Emergency Assistance or have someone call on your behalf as soon as possible.

FAQ:
What are the requirements for coverage?
To be eligible for coverage a person must:
   - be at least 15 days old; and
   - not be insured or eligible for benefits under a Canadian government health insurance plan; and
   - be currently in good health and know of no reason to seek medical consultation during the period of coverage; and
   - not reside in a nursing home, convalescent home, or rehabilitation centre; and
   - not require assistance with daily living activities; and
   - not have exceeded two years of uninterrupted coverage under a TIC insurance plan.

Are the premiums refundable?
A full refund will be provided for policies which are recovered within 10 days of purchase.
There will be no refund of premium if a claim has been made.
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 the minimum premium ($20) will not be issued.

Are there age limits?
Coverage is not available for persons less than 15 days old. Persons over age 85 must complete a medical questionnaire and receive written acceptance from TIC.

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 before 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, provided the majority of your period of coverage is spent in Canada. Expenses incurred in your country or origin will not be covered (unless you are returning Canadian).

What is included in Trip Cancellation & Interruption coverage?
Trip Cancellation and Interruption covers you financially for your pre-paid trip costs.
Prior to departure: non-refundable, non-recoverable portion of pre-paid airfare and/or pre-paid travel arrangements.
After departure: the extra cost of economy transportation by the most direct route to continue with the insured trip (or to return to the point of departure) if you miss a portion of your trip due to your sickness or injury, or the sickness or injury of a travelling companion or accompanying family member.  
Prior to or after departure: delay of the connection carrier provided that the connecting carrier or automobile was scheduled to arrive not less than two hours prior to the scheduled connection time, due to weather condition, volcanic eruptions, natural disaster or mechanical failure of the connecting carrier (airline, bus, train or government-operated ferry system); or traffic accident or emergency police road closure (police report required) causing the delay of a private or commercial automobile.
Select Plan benefits include lost baggage up to $500 (including baggage delay up to $200); Meals and accommodation ($300 per day up to $1,000 in case of interruption or delay beyond the expiry date as a result of your or your travelling companion sickness or injury); Tour operator (up to $1,000 for the non-refundable pre-paid travel arrangements if your trip is cancelled or re-scheduled by your tour operator; Accidental death and dismemberment (up to $10,000); Flight accident (up to $50,000).
Insured risks: Health: sickness, injury or death of you, a family member or travelling companion; death or hospitalization of your host at destination. Legal: if you have been called to jury duty or witness during your trip. External: change of airline schedule resulting to miss connection; default as a result of bankruptcy of a Canadian travel supplier; a disaster that renders your principal residence back home; adverse weather, volcanic eruptions, or a natural disaster; if there is a travel advisory (issued after the effective date of your policy) for your booked destination; cancellation (beyond your control) prior to departure of a business meeting at your destination that you are required to attend. Work: a job transfer within 30 days of your scheduled departure date, by your employer, that requires relocation of your principal residence (not applicable to self-employed persons). Other: you or your traveling companion being called to service in the case of reservists, active military, police, essential medical and fire personnel.
Exclusions: If sum insured purchased is $15,000 or less: any pre-existing conditions that are not stable within the 90 days immediately preceding the application date. If sum insured is more than $15,000: any pre-existing conditions that are not stable within the 180 days immediately preceding the application date.

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:

  - The family rate includes the applicant and the applicant’s spouse, age 69 or under, and their dependent children under age 22.
  - Rates include $0 deductible option. Other deductible options are available.
  - Maximum period of coverage: 365 days.
  - Minimum premium per policy: $20.00. 
Rates subject to change without notice

OPTIONAL PLANS

Note: This information is an illustration only. It is not an insurance policy. For the complete terms, conditions, limitations and exclusions please see the policy document.

DOWNLOADS:

TIC Visitors Insurance POLICY PDF

TIC Visitors Insurance BROCHURE PDF

TIC Visitors Insurance CLAIM FORM PDF

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