Hospital & Medical Insurance for Canadians abroad and returning Canadians.
Extended stays abroad are meant to be enjoyed.
But if an unexpected medical emergency should happen, know that you’re protected with Canadian Expatriates travel insurance.
Why buy Canadian Expatriates travel insurance?
We know that with extended stays outside of Canada, government health care plans don’t travel with you, and only take effect again a few months after you return.
Canadian Expatriates travel insurance from the experts at TIC bridges gaps in coverage during these times.
Be sure to carry travel insurance to safeguard your finances and stay protected in a medical emergency.
Ideal for Canadian Citizens and Residents:
- Working and living abroad looking for more than emergency medical coverage
- Wanting to continue their TIC medical coverage when they return to Canada
Features and Benefits
- Up to $2 million in emergency and extended health care benefits
- 24/7 emergency assistance anywhere in the world
- Comprehensive protection against unexpected costs due to sickness or injury while travelling for extended periods
- Continued coverage when you return home until your government health insurance plan takes effect
- Standard, Enhanced and Deluxe options help you get the right level of coverage for your needs
- Coverage available for maternity and new-born care
- Emergency return home for Canadian government travel advisories
- Easy-to-understand eligibility requirements
- No mandatory underwriting on the Standard option
Summary of Benefits
| Hospital & Medical Benefits sum insured |
Accidental Death & Dismemberment sum insured |
Common Carrier sum insured |
|---|---|---|
| Standard Option: $100,000 | Standard Option: $10,000 | Standard Option: $20,000 |
| Enhanced Option: $500,000 | Enhanced Option: $50,000 | Enhanced Option: $100,000 |
| Deluxe Option: $2,000,000 | Deluxe Option: $100,000 | Deluxe Option: $100,000 |
| INCLUDED IN THE OVERALL MAXIMUM | MAXIMUM COVERAGE AMOUNT |
|---|---|
| Ambulance Services | up to sum insured |
| Attendant | up to $500 |
| Chiropractor, chiropodist, podiatrist, physiotherapist, naturopath, or acupuncturist |
Standard Option: up to $500 per profession Enhanced Option: up to $1,000 per profession Deluxe Option: up to $2,000 per profession |
| Cremation at place of death | $4,000 |
| Dental (accident) | Standard Option: $3,000 Enhanced or Deluxe Option: $5,000 |
| Emergency Transportation | up to sum insured |
| Eye Examination | one per 12-month period |
| Hospital and medical services | up to sum insured |
| Maternity | Standard Option: up to $5,000 Enhanced Option: up to $10,000 Deluxe Option: up to $25,000 |
| Physical Examination | one per year |
| Prescription Medication | up to a 90-day supply to a maximum of $10,000 |
| Return of Deceased | up to $10,000 |
| Return Home | up to $5,000 |
| Transportation of Family or Friend | up to $3,000 |
| Vaccines | up to $100 per 12-month period |
Travel insurance coverage is subject to eligibility, limitations and exclusions. For full details, please consult with your TIC Travel Insurance representative. For complete terms, benefits, conditions and exclusions, please see the policy document.
Standard
| USA / MEXICO | NON - USA/ NON - MEXICO |
|
|---|---|---|
| Age band | Monthly rate | Monthly rate |
| 0 – 39 | $107 | $61 |
| 40 – 44 | 168 | 96 |
| 45 – 49 | 208 | 119 |
| 50 – 54 | 258 | 147 |
| 55 – 59 | 308 | 176 |
| 60 – 64 | 398 | 228 |
| 65 – 69 | 561 | 321 |
Enhanced
| USA / MEXICO | NON - USA/ NON - MEXICO |
|
|---|---|---|
| Age band | Monthly rate | Monthly rate |
| 0 – 39 | $123 | $70 |
| 40 – 44 | 194 | 111 |
| 45 – 49 | 239 | 136 |
| 50 – 54 | 297 | 170 |
| 55 – 59 | 355 | 203 |
| 60 – 64 | 458 | 262 |
| 65 – 69 | 645 | 369 |
Deluxe
| USA / MEXICO | NON - USA/ NON - MEXICO |
|
|---|---|---|
| Age band | Monthly rate | Monthly rate |
| 0 – 39 | $139 | $79 |
| 40 – 44 | 219 | 125 |
| 45 – 49 | 270 | 154 |
| 50 – 54 | 335 | 192 |
| 55 – 59 | 401 | 229 |
| 60 – 64 | 518 | 296 |
| 65 – 69 | 729 | 417 |
Deductible Options for Additional Savings
- $500 = 5% premium savings
- $1,000 = 10% premium savings
- $5,000 = 30% premium savings
About TIC Travel Insurance
TIC is a travel insurance company. Our expertise comes from our more than 50 years of providing nothing but travel health insurance solutions in and outside of Canada. We take pride in being the caring, helpful experts travellers can rely on to help them enjoy a worry free experience. After all, having a safe and enjoyable trip is what travelling is all about. We know.
TIC is 100% owned by The Co-operators Life Insurance Company which is part of The Co-operators Group Limited, one of Canada’s largest, Canadian-owned, multi-product insurers.
YOUR PRIVACY
We are committed to protecting the privacy, confidentiality and security of the personal information we collect, use and disclose. For a copy of TIC’s privacy policy, please contact us or visit our website: www.travelinsurance.ca.
Important Notes
- It is important that you read and understand your policy as your coverage may be subject to certain limitations or exclusions.
- Your insurance contains pre-existing condition exclusions for travellers of any age. These exclusions apply to medical conditions and/or symptoms that existed on or before your departure date or effective date. Check to see how this applies in your coverage and how it relates to your departure date, purchase date and effective date.
- In the event of an accident, injury or sickness, your prior medical history may be reviewed when a claim is reported.
- You must notify TIC Emergency Assistance (toll free 1-800-995-1662 or worldwide collect 416-340-0049) prior to receiving any medical consultation, within 24 hours of admission to a hospital and before any surgery is performed. Failure to notify TIC Emergency Assistance as required will delay the processing and payment of your claim and may limit the amount of your claim payment.
- If you are ineligible for coverage, the insurer’s only liability will be to refund any premium paid. Please check your confirmation of coverage to ensure you have the coverage options you require. Payment will be limited to the coverage options you selected and paid for at the time of application. You will be responsible for any expenses that are not payable by the insurer.
- If you have a change in your health between the date you apply for coverage and your departure date or the effective date of any extension, you must contact your insurance representative prior to leaving on your trip to fully understand how your change in health affects your coverage under this policy. Failure to do so may limit the amount of your claim payment or result in your claim being denied. If you have been medically underwritten, you will also need to complete a new medical questionnaire.
- Privacy Policy