Travel Insurance Coordinators
- Pre-existing conditions
- When to apply
- Premiums Refund
- Side trips
- Making a claim
- Download Forms
1. 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) 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 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.
a) If you are 59 years of age or under on the effective date:
Any pre-existing medical condition unless it was stable in the 90 days immediately before the effective date.
b) If you are 60 to 79 years of age 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:
Heart and cardiovascular: arrhythmia, fibrillation, palpitations or any irregular heart rate, heart murmur, chest pain or angina, arteriosclerosis, coronary artery disease, congestive heart failure, by-pass surgery, use pacemaker or defibrillator, valve replacement or abnormality, heart attack, myocardial infarction, congenital heart defect, prescribed and /or used any form of nitroglycerin, angioplasty or stent.
Stroke, cerebrovascular and neurological: cerebrovascular accident (CVA), stroke, transient ischemic attack (TIA) or mini-stroke, ongoing therapy, paralysis, use of cane, walker, wheelchair or other mobility device, hydrocephalus, parkinson’s disease, seizures, migraine, epilepsy, aneurysm, Alzheimer’s disease or dementia, mental or nervous disorder, or anxiety, neurological disorder.
Lung and respiratory: chronic obstructive pulmonary disease (COPD), asthma, chronic bronchitis, bronchial asthma, pulmonary embolism, sarcoidosis of lung, sleep apnea, emphysema, asbestosis, tuberculosis, pulmonary fibrosis, use of home oxygen, use of prednisone, use of cortisone.
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.
c) If you are 80 years of age or over on the effective date:
There is no coverage for any pre-existing medical condition unless you have completed a Medical Questionnaire, have been approved in writing by TIC and have paid the required premium.
Can be purchased any time prior to or after arrival in Canada.
• If coverage is purchased after exiting the country of origin, or after the expiry of a TIC Visitors to Canada policy, then coverage for losses resulting from any sickness will begin 48 hours after purchasing the policy.
- Emergency Medical- up to the max sum insured
- Emergency Transportation- up to the max sum insured
- Accidental Death & Dismemberment -up to the max sum insured.
- Transportation of Family/Friend up to $3,000
- Attendant up to $500
- Follow-up visits up to $3,000
- Accidental Dental up to $3,000
- Dental Emergencies up to $500
- Meals and Accommodation up to $1,500
- Emergency Return Home up to $3,000
- Return of Deceased up to $10,000
Refunds are payable when:
1. The entire trip is cancelled prior to the effective date.
2. You return to your country of origin prior to the expiry date.
There will be no refund of premium if a claim has been made.
Premiums which are 100% refundable are subject to a $100 administration fee.
Partial cancellations are charged a $25 administration fee. Premiums less than the minimum premium ($20) will not be refunded.
Worldwide travel is covered provided the majority of the period of coverage is spent in Canada.
No coverage while the insured is in their country of origin
In the event of a medical emergency, TIC Emergency Assistance must be notified prior to any surgery being performed or within 24 hours of admission to a hospital.
Emergency Medical Travel Assistance is available 24/7, by calling any of the following numbers:
Toll free within Canada/U.S.A.: 1-800-995-1662 Collect worldwide: 416-340-0049 Toll free International: 800-842-08420 or 00-800-842-08420 (if not available, please call collect). E-mail: email@example.com
TIC Claims 2100 –
250 Yonge Street Toronto,
Ontario, Canada M5B 2L7
Collect worldwide: 416-340-8809 Toll free Canada/U.S.A.: 1-800-869-6747
This summary is meant to be a “help guide” and does not exonerate you from the responsibility of reading the detailed terms, conditions, definitions and exclusions of the policy wording. In all instances, the official policy wording will prevail.
To view TIC Travel Insurance Coordinators policy wording click the PDF button
Visitors To Canada
Ideal if you are:
- Temporary resident of Canada
- Returning Canadian resident
- Work permit holder