Coverage Summary

Basic Plan – Worldwide travel – annual premium

• Emergency Excess Hospital & Medical Expense for Canadians - up to $5,000,000

Trip Length		Ages 0- 39	Age 40-59	Age 60-75
8 Days	Single	$50	$59	Refer to Medical Underwriting
	Family	**	**
15 Days	Single	$75	$90
	Family	**	**
35 Days	Single	$105	$123
	Family	**	**
60 Days	Single	$175	$264
	Family	**	**
105 Days	Single	$286	$416
	Family	**	**

Note:Please call or e-mailus for Medical Underwriting for Age 60 to 79.

Select Plan – Worldwide travel – annual premium

Option 1

• Emergency Excess Hospital & Medical Expense for Canadians - up to $5,000,000.
• Air Flight Accident - up to $100,000.

Option 2

• Emergency Excess Hospital & Medical Expense for Canadians - up to $5,000,000.
• Air Flight Accident - up to $100,000.
• Trip Cancellation and Trip Interruption - up to $1,000 for Trip Cancellation and $2,000 for Trip Interruption

Note: Above coverage is applicable to Insureds who have been issued a policy documents that includes the complete coverage wording.

Option 1

Maximum Trip Duration - 35 days

Trip Length		Age 0-59
8 Days	Single	$84
	Family	**
15 Days	Single	$117
	Family	**
35 Days	Single	$147
	Family	**
All prices are in Canadian Dollars

Option 2

Maximum Trip Duration - 35 days

Trip Length		Age 0-59
8 Days	Single	$175
	Family	**
15 Days	Single	$229
	Family	**
35 Days	Single	$257
	Family	**
All prices are in Canadian Dollars

** Family includes the applicant, age 59 and under, the applicant’s spouse, age 59 and under, and dependent children. The premium for family coverage is calculated at two times the premium for the eldest adult family member age 59 and under.

Notice

Please read your policy carefully before you travel

What am I covered for?

Coverage is different for each plan: to find out what your coverage is, please read the section titled "Benefits" under the name of the plan/s you have purchased. Travel insurance is intended to cover sudden, unexpected, and unforeseeable circumstances.

What is not covered?

Travel insurance does not cover everything. Your insurance has exclusions, conditions and limitations. You should read and understand them before you travel. Pre-existing medical conditions may be excluded. Any medical conditions you are aware of prior to the effective date of coverage, whether diagnosed or not, may not be covered.

What if I have an emergency or claim?

TIC Travel Assistance

Important:
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: assist@travelinsurance.ca

TIC Claims
2100 - 250 Yonge Street
Toronto, ON, Canada M5B 2L7
Collect worldwide: 416-340-8809
Toll free Canada/U.S.A.: 1-800-869-6747

Do I have to reveal my medical history?

We are dedicated to protecting your privacy. Your medical history will be collected when required and will only be used or disclosed for the purpose of adjudicating your claim. For a copy of TIC's privacy policy, please contact us or visit our website.

Travel Assistance

Assistance for a medical emergency arising anywhere in the world is provided on a best effort basis, TIC, Cooperators Life Insurance Company, or their agents will not be responsible for the availability, quantity, quality, or results of any medical treatment received or for failure to obtain medical service.

I want to stay longer; can I extend my policy?

Yes, you can. Prior to your trip you can purchase additional coverage, or after departure just call your agent or TIC no sooner than seven days prior to the expiry of your policy. You can purchase an extension provided you call (during business hours) at least 48 hours prior to the expiry of your first coverage. You must indicate that you are in good health and do not have any claims filled with TIC. Extension fees will be charged. If the total length of the trip exceeds 35 days, the Pre-Existing Condition Exclusion EHM 8 will apply from the original date of departure for the current trip.

Mandatory Statement of Health and Consent

We require you to sign the declaration form if you are 71 years or older, or have purchased a multi-trip plan of 35 days or longer.

Extended absence from Canada

Each provincial and territorial government health insurance plan has limitation on how long you can be out of the county to remain eligible for coverage. Check your health plan for details.

Important Notes