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The MONTHLY PAYMENT PLAN OPTION is only available for the super visa insurance. If you opted to purchase your Super Visa Insurance under the Monthly Payment Plan, special terms, limitations and exclusions apply to you

You are not eligible for coverage under this policy if

  • “You” are travelling against the advice of a physician;
  • “You” have been diagnosed with a terminal illness with less than two (2) years to live; and /or
  • “You”have been diagnosed with or received treatment within the last two (2) years for pancreatic, lung, brain, or liver cancer; or any type of cancer that has spread from one part or organ of the body to another not directly connected with it;
  • “You” have had or are waiting for an organ or bone marrow transplant (excluding corneal transplant);
  • “You” have a kidney condition requiring dialysis; and/or

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 21st Century Travel Ins policy wording click the PDF button

Under 60 years of age – you’re automatically covered for pre-existing medical conditions as long as they have been stable in the 180 days before the policy starts.

Between the ages of 60 and 85 – complete a Medical Declaration to see if you are eligible to buy our “Stable Chronic Condition” (SCC) Option to cover stable pre-existing conditions. If you are ineligible or decide to waive the SCC option, you will pay a lower premium but will NOT be covered for any pre-existing conditions – stable or unstable. Note: The SCC option is not available if you are over age 85.

Stable Chronic Condition means a pre-existing medical condition for which, in the 180 days prior to your effective date of insurance:

  • there have been no new symptoms or change in symptoms; and
  • existing symptoms have not become more frequent or severe; and
  • aphysician has not found that the medical condition has become worse;
  • no test findings have shown that the medical condition may be getting worse; and
  • a physician has not provided, prescribed, or recommended any new medication, or any change in medication; and
  • a physician has not provided, prescribed, or recommended any new treatment, or any change in treatment; and
  • there has been no hospitalization or referral to a specialist or specialty clinic; and
  • aphysician has not advised referral to a specialist or further testsing, and there has been no testing for which results have not yet been received the results.

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 21st Century Travel Ins policy wording click the PDF button

No waiting if the policy is purchased before your arrival in Canada

  • Within 30 days: effective 72 hours after purchase
  • After 30 days: effective 7 days after purchase
If you purchased your insurance under the Monthly Payment Plan and activated
your policy after your arrival date, a waiting period will apply to your coverage.

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 21st Century Travel Ins policy wording click the PDF button

Expenses to receive emergency medical attention

  • Reasonable and customary charges for medical care received from a physician in or out of a hospital,
    the cost of a hospital room (semi-private room when available or an intensive care unit when medically
    necessary); tests that are needed to diagnose or find out more about your condition; and drugs that are prescribed for you and are available only by prescription from a physician. Follow-up visits are covered until the attending physician or our medical advisors declare the end of the medical emergency. Note: This policy does not cover cardiac catheterization, angioplasty, and/or cardiovascular surgery including any associated test(s) or charges, magnetic resonance imaging (MRI),
    computerized axial tomography (CAT) scans, sonograms, ultrasounds or biopsies unless such services are approved in advance by the Assistance Centre.
  • private duty registered nursing or licensed home care providers and rental of a hospital bed, wheelchair, crutches, splints, canes, slings, trusses or braces or other prosthetic appliance up to $5,000 following emergency insured services when prescribed in writing by a physician. The use of any licensed home care provider must be authorized in advance by the Assistance Centre.
  • services provided by a health-care practitioner, up to a combined total of $1,000 for a covered emergency, when you have received prior written referral from a physician.
  • the use of a licensed local ambulance service for emergency transportation.
  • prescription medications up to $500 and not exceeding a 30-day supply when these medications are prescribed any medications that can be purchased over-thecounter without a prescription.
  • in the event of your death, up to $7,500 for the combined cost of preparing your body for burial
    or cremation, transportation (including a standard shipping container normally used by the airlines) to your place of burial, and the cost of preparing related legal documentation. In no event will we pay for the cost of a coffin or urn. This benefit must be authorized and arranged by the Assistance Centre.

If your treating physician and our medical advisors recommend that you return to your country of origin because of your emergency or after your emergency treatment, we will pay for one or more of the following:

  • the extra cost of an economy class fare via the most cost-effective itinerary;
  • a stretcher fare on a commercial flight via the most cost-effective itinerary, if a stretcher is medically necessary;
  • the return economy class fare of a qualified medical attendant via the most cost-effective itinerary to accompany you, and the attendant’s reasonable fees and expenses, if this is medically necessary or required by the airline; or
  • the cost of air ambulance transportation, if it is medically necessary.

This benefit must be authorized and arranged by the Assistance Centre.

  • up to $4,000 for treatment to natural teeth and repairs to dentures or other dental devices if such treatment is necessitated by a direct unintended or unexpected blow to your face.
  • obtaining hospital, medical or health-care practitioner records, or a medical report from a physician or healthcare practitioner provided we request the record or report. Under no circumstances will we reimburse you for the cost of completing the claim form.

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 21st Century Travel Ins policy wording click the PDF button

  • Before the policy goes into effect will be available for either a declined or withdrawn Visa application or the death of the insured.
  • After the policy goes into effect (early return to home country) can be obtained with proof of travel and/or a copy of the Super Visa showing any conditions stipulated at the time of entry into Canada.

However, we recommend that the policy be kept in force if the insured will return to Canada shortly after they leave, as proof of insurance may be required at the time of re-entry.

Refund of premium or Cancellation of policy if you have a monthly payment plan with
21 st Century Travel Insurance

If your visa application is denied by the Government of Canada, or you formally withdraw your visa application and your coverage under this policy has not been activated, 21st Century will refund any premium paid. Proof of the denial or withdrawal of your application for a visa must be provided to 21st Century with your written request for a refund.

If the Government of Canada issues you an entry permit that is different than the one you applied for, you may request a refund of any premium paid or change from a monthly payment plan to payment in full as long as we receive your request prior to your entry into Canada. Proof of the change in entry permits will be required. Once you enter Canada, your deposit premium becomes nonrefundable. The $50 Policy Fee for any cancellation of, or change from the Monthly Payment Option is non-refundable.

The two month deposit premium and the $50 Policy Fee for the Monthly Payment Option are non-refundable in any circumstance where the entry permit is approved and issued by the Government of Canada and you have arrived in Canada without proper Activation of your policy.

The two month deposit premium and the $50 Policy Fee for the Monthly Payment Option are non-refundable on any activated policy or policy that is terminated mid-term by you or us. Only full monthly premiums will be refunded. Partial months will not be refunded.

After you have activated your coverage under this policy, subject to all other policy terms, your insurance will terminate on the date that:

  • you return to your country of origin in the event of your death under Insured Service benefit #6, or
    following emergency treatment of your medical condition under Insured Service benefit #7; or
  • the Assistance Centre specified when advising you to return to your country of origin due to your medical condition, even if you choose to remain in Canada; or
  • we receive proof that you are eligible and covered under a Canadian government health insurance plan; or
  • you return to your country of origin and submit a written request to cancel your policy.

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 21st Century Travel Ins policy wording click the PDF button

IN THE EVENT OF AN EMERGENCY

YOU MUST CALL CALL OUR ASSISTANCE CENTRE AT 1-877-882-2957

toll-free from the USA and Canada

If unable to use the toll-free number, call collect to Canada: +1 519-251-7856

Our Assistance Centre can also be contacted through its ACM TravelAid™ mobile application.

Visit http://Active-Care.ca/TravelAid to download the app.

You must contact the Assistance Centre prior to receiving any medical treatment. If you fail to contact the Assistance Centre, you will have to pay 20% of the medical expenses we would normally pay under this insurance.

If it is medically impossible for you to call when the emergency happens, the 20% co-insurance will not apply. In this case, we ask that you contact the Assistance Centre as soon as you can or that someone call on your behalf. Our Assistance Centre is there to help you 24 hours a day, 365 days a year.

The ACM TravelAid™ mobile application can also provide you with directions to the nearest medical facility, local emergency telephone numbers (such as 911 in North America), and pre-and post-departure travel tips.

To make a claim, you will need to complete a claim form and submit the following:

  • policy number;
  • proof of all travel dates (airline ticket, passport or visa);
  • original itemized medical bills, receipts and invoices;
  • proof of payment if you have paid the expense;
  • complete medical and/or hospital records including diagnosis, X-ray, lab or other diagnostic testing results, which confirm that the treatment was medically necessary; and
  • copy of police report (in the case of a motor vehicle accident);

if a claim is made under Accidental Death and Dismemberment, we will need:

  • a) police, autopsy or coroner’s report;
  • b) medical records; and
  • c) death certificate, as applicable.

Attach all documentation requested in the claim form, and send it to:
21st Century Visitors Claims
c/o Active Care Management
P.O. Box 1237, Stn. A
Windsor, ON N9A 6P8 Canada
To enquire about the status of your claim call
1-855-297-4379 from 8:00AM to 8:00PM ET
VCF-1610 -Claim Form

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 21st Century Travel Ins policy wording click the PDF button

21st Century Travel Ins Useful Forms

VMD-1610- Medical Declaration
Complete for any applicant age 60 to 85 who is applying for the Stable Chronic Condition Option.Complete for all applicants age 86 or over.

VRR-1407- Cancellation / Refund Request Form
Form must be completed in full by Insured OR Sponsor (incomplete forms will be returned)
A $25 processing fee will be deducted from any amount refundable

MP-Auth-Form-1610- Monthly Payment Authorization Form
To pre-authorize credit card charges on the Super Visa monthly payment option

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 21st Century Travel Ins policy wording click the PDF button

BUY ONLINE (former Travel Underwriters)

You are not eligible for coverage under this policy if:

A trip that is undertaken:

  • against a Physician’s advice; or,
  • after diagnosis of a Terminal Condition.

Conditions or any related conditions for which, prior to arrival date in Canada, testing or investigative consultation took place, was scheduled to take place or was recommended, and for which results had not yet been received at the time of departure from your country of permanent residence. This includes tests that were recommended or scheduled prior to departure, but had not yet taken place at the time of departure.Refer to the policy wording for a complete list of exclusions.

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 TuGo Travel Underwriters policy wording click the PDF button

For persons 69 years and under, pre-existing conditions are covered if stable in the 120 days prior to the effective date of this policy.

For persons 70 to 79 years: the applicant can purchase an additional optional coverage to cover pre-existing conditions provided they were stable in the 120 days prior to the effective date of the policy.

For persons 80 to 89 years, pre-existing conditions are not covered

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 TuGo Travel Underwriters policy wording click the PDF button

  • No waiting period if Insurance is purchased prior to arrival in Canada.
  • 48 hours waiting period on sickness if policy is purchased within 60 days of arrival in Canada.
  • 7 days waiting period on sickness if policy is purchased 61 days or more after arrival in Canada.

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 TuGo Travel Underwriters policy wording click the PDF button

  • Emergency medical treatment • whether in-patient or out-patient
  • Services of physician, surgeon, anesthetist, registered nurse
  • Private duty nursing
  • X-rays and laboratory services and rental of medical appliances
  • Non-emergency treatment Up to $3,000
  • Ambulance services
  • Prescription drugs Up to $10,000 or limit of a 30-day supply
  • Licensed physiotherapist, chiropractor, chiropodist, osteopath, and Podiatrist medical services up to $500 per practitioner.
  • Family transportation One return economy airfare or ground transportation costs and up to $100 per day for meals and accommodation
  • Out of pocket expenses while hospitalized -up to $200 per day to a max of $2,000.
  • Child care Up to $50 per day to a maximum of $500
  • Up to $4,000 for accident
  • Up to $600 for dental pain
  • Repatriation • Up to $12,000 for repatriation (excluding cost of a burial coffin)
  • Up to $5,000 for burial/cremation at place of death(excluding cost of a burial coffin or urn)
  • Return of vehicle Up to $2,500
  • Accidental death and dismemberment
  • Up to $25,000 for air flight
  • Up to $25,000 for 24-hour accident

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 TuGo Travel Underwriters policy wording click the PDF button

Refunds are available as follows:

1.- When no travel has taken place:

  • A full refund is available when the request for refund is received PRIOR to the effective date of the Policy.
  • a full refund less a cancellation administration fee is available when the request for refund is received AFTER the effective date provided the request for refund is received no later than 30 days after the effective date and prior to the expiry date of the Policy

2.- Partial refund is available if:

  • You return to Your country of permanent residence and a minimum term of 45 days remains unused on the Policy.

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 TuGo Travel Underwriters policy wording click the PDF button

Travel worldwide is valid as long as majority of time is spent in Canada. No coverage provided while in country of permanent residence

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 TuGo Travel Underwriters policy wording click the PDF button

Special Notice:

Notice to the Insured, Physicians and Hospitals: It is a condition of the Insurance that in the event of medical Emergency due to Sickness or Injury which may require or result in hospitalization, the Insurer must be notified as soon as possible by calling toll-free:

1-800-663-0399 (in Canada and U.S.A.), 001-800-514-9976 (in Mexico),

604-278-4108 (collect call Worldwide) or 800-663-00399 *(outside North America and Mexico).

Complete Visitors Medical claim form and all required documentation concerning a claim should be promptly sent to:

OneWorld Assist Inc. 10th Floor, 6081 No. 3 Road Richmond, BC V6Y 2B2

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 TuGo Travel Underwriters policy wording click the PDF button

TuGo Travel Underwriters Forms

Claim Form

Refund Form

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 TuGo Travel Underwriters policy wording click the PDF button

You are not eligible for coverage under this policy if:

  • The date of your trip occurs during the time that you have been advised by a physician not to travel;
  • You have been diagnosed with a terminal illness with less than 2 years to live; you have a kidney condition requiring dialysis;
  • You have used home oxygen during the 12 months prior to the date of application; and/or you have been diagnosed with Alzheimer’s disease or any other form of dementia.
  • You are over 85 years of age.

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.

You can choose either Plan A or Plan B.

1-Plan A will not pay any expenses relating to:

  • pre-existing medical conditions for which medication has been taken, received or prescribed and/or treatment has been received in the 180 days before the effective date of insurance.
  • any heart condition if, in the 180 days before the effective date, you required any form of nitroglycerine for the relief of angina pain; and/or
  • any lung condition if, in the 180 days before the effective date, you required treatment with oxygen or Prednisone for a lung condition.

2-Plan B will not pay any expenses relating to:

  • a pre-existing condition that is not stable in the 180 days before the effective date of insurance;
  • any heart condition if, in the 180 days before the effective date, you required any form of nitroglycerine for the relief of angina pain; and/or
  • any lung condition if, in the 180 days before the effective date, you required treatment with oxygen or Prednisone for a lung condition

No coverage for pre-existing medical condition for which insured was hospitalized more than once for 2 consecutive days during 12 months prior to effective date.

Please refer to the section “What is not covered under emergency medical insurance ” on page 9, 10 and 11.

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.

If you purchase prior to arrival (cannot be purchased more than 90 days before arrival)

After Arrival:

  • Within 30 days: 48-hour waiting period
  • After 30 days: 8-day waiting period

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.

  • Hospital & physician bills
  • Professional services: chiropractor, osteopath, physiotherapist, chiropodist or podiatrist- up to $300 per profession
  • Ambulance transportation
  • Emergency dental treatment- up to $300
  • Accidental dental treatment- up to $3,000
  • Bringing someone to your bedside-$3000
  • Meals, hotel, phone calls & taxi-max $1,500
  • Repatriation of remains- up to $6,000
  • Evacuation home
  • Return home of children
  • Childcare- max $300
  • Trip break

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.

Refunds are available as follows:

Full refund up to effective date, partial refund for early return (if no claim and minimum of $25)

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.

Side trips outside Canada are covered in countries other than their country of origin for up to 49% of the total time insured under the policy to an overall maximum of 30 days.

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.

Call prior to receiving medical treatment .If you do not contact the Assistance Centre before receiving medical treatment, you will have to pay 25% of the medical expenses we would normally pay under this insurance. If it is medically impossible for you to call when the emergency happens, the 25% co-insurance will not apply. In this case, we ask that you call as soon as you can or that someone call on your behalf.

24 hrs Assistance Centre at: 1 877 878-0142

Toll free from the USA and Canada. 1 519 251-5166

Claim Assistance: 1-866-228-6386 toll free Canada & USA. Please mail all original receipts, bills and invoices to:

Manulife Financial Travel Insurance c/o Active Care Management P.O. Box 1237 Stn. A Windsor, Ontario N9A6P8

Your claim must be sent to us within 90 days of your loss.Ensure you keep a copy of your receipts, bills and invoices for your records.

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.

Comming Soon

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.

Coverage is NOT AVAILABLE to any individual who:

  • has been diagnosed with a terminal illness;
  • has been diagnosed with or has had an episode of congestive heart failure;
  • has Acquired Immune Deficiency Syndrome (AIDS) or Human Immunodeficiency Virus (HIV);
  • has Alzheimer’s disease or any other type of dementia;
  • has received any type of treatment for pancreatic cancer, liver cancer or any type of cancer that has metastasized;
  • has been prescribed or used home oxygen treatment in the last 12 months;
  • has had a major organ transplant (heart, kidney, liver, lung); or
  • has received kidney dialysis treatment in the last 12 months.

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

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.

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

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.

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

  • 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

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

Refunds are payable when:

  • The entire trip is cancelled prior to the effective date.
  • 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.

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

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

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

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,
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

Comming Soon

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

Coverage is NOT AVAILABLE to any individual who:

a) has been diagnosed with a terminal illness; or

b) has Acquired Immune Deficiency Syndrome (AIDS) or Human

Immunodeficiency Virus (HIV); or

c) has been prescribed or used home oxygen treatment in the last 12 months; or

d) has been diagnosed with or treated for congestive heartfailure; or

e) has had a major organ transplant (heart, kidney, liver, lung);or

f) has received kidney dialysis treatment in the last 12 months.

To be eligible for coverage you must, as of the effective date:

a) be at least 15 days old; and

b) be in good health at the time you purchase your policy andon the effective date, and know of no reason why you wouldattend any medical consultation during the period ofcoverage; and

c) not be insured or eligible for benefits under a CanadianGovernment health insurance plan. If you become eligible forand insured under the government health insurance plan ofthe province or territory in which you reside, the insurancewill apply only to those benefits not provided under theProvincial or territorial government health insurance plan.

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 Destination Canada Insurance Coordinators policy wording click the PDF button

Pre-existing conditions Age 0 to 79

Option 1: Covered only if stable during the 120 days prior to the effective date

Option 2: All pre-existing conditions will be excluded from coverage

Age 80 and over – All pre-existing conditions will be excluded from coverage

Pre-existing medical condition means a sickness, injury or medical condition, whether or not diagnosed by a physician:

i. for which you exhibited signs or symptoms; or

ii. for which you required or received medical consultation; and

iii. which existed prior to the effective date of your coverage

Stable means a pre-existing medical condition that:

a) did not require, or was not referred for any medical consultation;

b) did not require a change in type or dosage of medication.

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 Destination Canada Insurance Coordinators policy wording click the PDF button

Age 0 to 85

If this insurance is purchased any time after your arrival in Canada, then in respect of any sickness you will onlybe entitled to receive benefits for the cost of eligible medical expenses incurred after the first 48 hours from theeffective date of the policy.

Age 86 and over

If the insurance is purchased after your arrival date in Canada, then in respect of any sickness you will only beentitled to receive benefits for the cost of eligible medical expenses incurred after fifteen (15) days from theeffective date of this policy.

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 Destination Canada Insurance Coordinators policy wording click the PDF button

  • Emergency Medical- up to the max sum insured
  • Emergency Transportation- up to the max sum insured
  • Drugs or Medications Up to $500 not exceeding a one-month supply
  • Transportation of Family Up to $3,000
  • Professional Services Physiotherapist, chiropractor, chiropodist, etc up to $500 per practitioner
  • Attendant up to $500
  • Transportation of Family/Friend up to $3,000
  • 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
  • Accidental Death & Dismemberment up to $150,000
  • Flight Accident up to $50,000

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 Destination Canada Insurance Coordinators policy wording click the PDF button

Under no condition will a refund be made if a claim has been incurred or paid, or is pending.

Partial refunds will be calculated on a pro-rated basis and are subject to a $25.00 administration fee and a minimum refund of$25.00.

A fee of $150 may apply if cancelling a policy issued for one year or more of consecutive coverage prior to the effective date.

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 Destination Canada Insurance Coordinators policy wording click the PDF button

Costs incurred outside of Canada are covered provided the majority of the periodof coverage is spent in Canada.

Costs incurred in your country of origin are not covered

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 Destination Canada Insurance Coordinators policy wording click the PDF button

In Case of Emergency call:

SelectCare Worldwide

Toll Free Canada/USA: 1-866-261-1723

If unable to contact us through the toll free number, call collect: 416-340-1553

Limits on Coverage

If you fail to notify SelectCare Worldwide, without reasonable cause, it will result in the reduction of your eligible benefit amounts payableby 20%.

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

Comming Soon

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