Travel Insurance

All Canadian travellers should carry travel insurance. But, while many Canadians have some coverage through a group benefit plan or on their credit card, coverage is often inadequate. To ensure our customers have comprehensive financial coverage for unexpected circumstances like trip delays or hospital expenses, 24-hour support, and assistance from a team of travel experts, we have partnered with TIC Travel Insurance Coordinators Ltd. Coverage is underwritten by Co-operators Life Insurance Company.

Why Buy Travel Insurance?

When you're travelling, the last thing you need is the expense of emergency medical attention. Travel Insurance from TIC Travel Insurance Co-ordinators Ltd. takes away this worry! We offer a variety of travel insurance options to help you and your family while travelling away from home. We ensure that you're prepared and, if necessary, cared for. Can you really afford to be without travel insurance?

Canadian residents and visitors to Canada are often responsible for paying costly medical fees resulting from unexpected sickness or injury while travelling. Consider just a few of the costs you may incur if you have an accident or become sick:

  • $10,000 per night accommodation (typical inpatient costs at US hospital)
  • $4,300 per night to accommodate visiting friends or relatives (non-resident fees for a Canadian intensive care unit)
  • $2,000 airfare (cost of an unexpected flight home)

Travel insurance covers you for these costs and much more

If you are a Canadian:

  • You may be surprised to learn that your government health insurance plan has limits for medical expenses incurred while travelling outside of your home province.
  • Did you know that even within Canada, if you have an accident or fall sick while visiting another province, not all the costs associated with your medical care are covered by your provincial health plan.

If you are visiting Canada or returning without government insurance, it is wise to protect yourself against the unexpected with emergency hospital and medical insurance.

It is always important to know who to call when the unexpected occurs. With our travel insurance solution help is just a phone call away, 24 hours a day and 7 days a week, no matter where in the world you are.

About our Coverage

When you have paid the appropriate premium and met the eligibility requirements, you become insured. Subject to what is covered and what is not covered, TIC Travel Insurance Coordinators Ltd. will pay the reasonable and customary charges for eligible expenses, up to the amounts specified while on an insured trip. Some benefits are subject to advance approval by TIC Travel Insurance Co-ordinators Ltd. Unless otherwise stated, all amounts referred to on this Internet site are in Canadian currency.

What am I Covered For?
Coverage is different for each plan; to find out what your coverage is, please read the section titled ‘Benefits’ of the policy you want to purchase. You can find our plan policies in the "our travel insurance policies" section below. Travel insurance is intended to cover losses arising from sudden, unexpected, and unforeseeable circumstances.

What am I Not Covered For?
Travel insurance does not cover everything. Your insurance has exclusions, conditions and limitations. You should carefully read and understand your policy before you travel. Pre-existing medical conditions may be excluded. Any medical condition and/or symptoms you are aware of prior to the effective date, whether diagnosed or not, may not be covered.
For an overview of what coverage is included in any of our plans, please select a plan of your choice listed in the menu on the left side of this page.
To find out exactly what you are covered for and what is not covered, please review the policy of your selected plan below.

 

Our Travel Insurance Policies 

Canadian residents plans

Visitors to Canada plans

Do You Have a Pre-existing Medical Condition?
Individuals with a pre-existing condition may not be able to purchase travel insurance online. To provide you with an accurate quote and purchase travel insurance for you or your traveling companions that have a pre-existing medical condition, please call us at 1-866-765-4639 or 905-238-6683. We will be happy to assist you.

What is a Pre-existing Medical Condition?
A pre-existing medical condition is an illness or injury that you know you already have (e.g. asthma, heart condition). Even if you are showing symptoms of an illness and have not yet seen a doctor, this is considered a "pre-existing" condition (e.g. you have felt chest pains but didn't seek any treatment).

Frequently Asked Questions (FAQ)

Do I need travel insurance?
In short, yes. There are many reasons why you should consider the protection of travel insurance for your upcoming vacation or business trip. To help you decide if travel insurance is right for you and your family, here is some useful information:

  • Medical emergency
    If you get sick or injured while away, your hospital bills can easily add up to $5,000 per day. Your provincial health plan covers only a small part of the charges that are generally incurred with a visit to a hospital. Our policies cover up to $5 million for Canadian residents.

What about lost or stolen baggage?
Baggage insurance will cover you in the event of this common inconvenience. There are many other important reasons for you to be protected by travel insurance. Please read more about our plans.

When can I purchase my Visitors to Canada insurance?
If you have been in Canada for less then two years, you may purchase Visitors to Canada travel insurance. This insurance may be purchased any time before or after arrival in Canada.

Can I change my existing travel coverage?
If your trip will last longer then anticipated, TIC can extend your coverage. Your policy may also be modified provided that no claim has been incurred under your original policy. Simply phone our consumer call center and an advisor will be happy to assist you.

What if I am pregnant?
If you are a Canadian resident, our plans provide you with some coverage relating to pregnancy. Expenses which are routine or elective and which occur within the first 32 weeks of your pregnancy or within 8 weeks of the expected date of delivery are excluded. Expenses for an infant less than 15 days old are excluded. For infants older then 15 days, you need to purchase a family policy. Please call our consumer call centre to be certain of your coverage. Visitors to Canada insurance does not cover any expenses related to pregnancy.

Will I be able to resume my vacation if I am air-evacuated?
Yes, you can with Emergency Hospital & Medical Plans for Canadians, when your air evacuation was arranged and coordinated by TIC Travel Insurance Coordinators Ltd. Your policy will not expire once you return to Canada. As long as your policy is in force, you will be able to resume your vacation. TIC will pay for a one-way economy flight for you to return to the city where the evacuation commenced so you can continue your vacation.

How long will it take to process my claim?
Upon receipt of all substantiating information, your claim will be processed within five working days.