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
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 1-888-636-4360. 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).
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