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Trip Cancellation, Interruption and Baggage Package

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Wednesday, April 23rd, 2014

TIC
Travel Insurance

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Administrated by: TIC Travel Insurance Coordinators Ltd.
Underwritten by: Co-Operators Life Insurance Company.
24 hours Emergency Assistance Center: TIC Emergency Assistance.

BENEFITS:
Maximum Benefits: $5,000,000
Emergency Hospital: semi-private hospital accommodation.
Physicians, surgeons, anesthetic and registered graduate nurse.
Diagnostic Treatments: Lab tests and X-ray examinations ordered by a physician.
Ambulance Transportation: Licensed local air, land, or sea ambulance (including mountain or sea evacuation), when necessary, to the nearest hospital.
Medical Appliance: Rental of crutches or hospital-type bed and the cost of splints, trusses, braces or other prosthetics appliances.
Prescription drugs or medicines, one-month’s supply, to a maximum of $500.
Professional Medical Services (when referred by a physician) – care received from a licensed physiotherapist, chiropractor, osteopath, chiropodist, podiatrist or acupuncturist, up to $300 per category of practitioner.
Funeral Expenses: In the event of death from covered condition, up to $10,000 is provided to return the body home, or up to $4,000 for cremation or burial at the place of death.
Accidental Dental: Up to $3,000 for repair or replacement of whole or sound natural teeth damaged by an accidental blow to the face.
Dental Emergencies: Up to $500 for the immediate relief of acute dental pain, other than provided under Accidental Dental.
Act of Terrorism aggregate limit (refer to policy)
Emergency Transportation:
The cost of air ambulance, one-way economy airfare or stretcher to transport you to the nearest appropriate medical facility or to a Canadian hospital, and a medical attendant if required, following a covered emergency sickness or injury. Must be pre-approved by TIC.
Meals and Accommodation – up to $3,000 for additional living costs, child care costs, telephone calls and taxi fares while hospitalized.
Bedside Companion: Up to $3,000 for round-trip economy transportation, to bring up to two bedside companion (family member or close friend) to you and up to $1,000 for reasonable costs incurred after arrival.
Return of Travelling Companion: One-way economy class airfare, to return the insured’s travelling companions home if the insured is transported to Canada by air ambulance. Must be pre-approved by TIC
Attendant – pays the cost of an attendant (not related to you) to return your travelling companion (under age 18, or older if rely on you for assistance), if you have been returned to Canada. This benefit must be approved and arranged by TIC.
Return of Vehicle or Watercraft: Up to $3,000 to return a vehicle or watercraft if the insured is unable to return to Canada due sickness or injury.  
Pet Return – up to $500 to return the insured’s accompanying dog or cat to Canada, if the insured is returned to Canada or hospitalized.
Return to Original Trip Destination – up to $5,000 to return you to your original trip destination, when you have recovered from the emergency (if you have been return to Canada for treatment).
Trip-Break – During the period of coverage you may return once to your province or territory of residence for up to 15 consecutive days without terminating your policy.
Identity Fraud Recovery - up to $5,000 with in 90 days of the end of your coverage for identity fraud that occurred during the period of coverage.

OTHER PLANS (additional rates apply)
- Accidental Death & Dismemberment
- options $25,000, $100,000 and $250,000
- Trip Cancellation & Interruption - before departure: $15,000 and after departure: unlimited
- Flight Accident - options $200,000 and $500,000
- Baggage - options $1,000 or $1,500
- Rental Car Collision Damage Protection - $50,000
- All-inclusive Package - Hospital and Medical up to $5,000,000; Trip Cancellation & Interruption up to $15,000; Accidental Death & Dismemberment $10,000; Flight Accident $50,000; Trip Interruption - unlimited and Baggage up to $500.
Please, contact us toll free 1-877-838-0020 if you would like to apply for any of the optional plans.

Some of the benefits must be pre-approved and arranged by TIC. Please read the insurance policy (attached below) for full descriptions and condition of the insurance benefits.

ELIGIBILITY:
1. Coverage in NOT AVAILABLE to any individual who:
   a) has been diagnosed with a terminal illness;
   b) has been diagnosed with or has had an episode of congestive heart failure;
   c) has AIDS or HIV;
   d) has Alzheimer’s Disease or any other type of dementia;
   e) has received any type of treatment for pancreatic cancer, liver cancer or any type of cancer that has metastasized;
   f) has been prescribed or used home oxygen treatment in the last 12 months;
   g) has had a major organ transplant (heart, kidney, liver, lung); or
   h) has received kidney dialysis treatment in the last 12 months.
2. To be eligible for coverage a person must:
   a) be at least 15 days old; and
   b) be insured for benefits under a Canadian government health insurance plan during the entire period of coverage; and
   c) be currently in good health and know of no reason to seek medical consultation during the period of coverage; and
   d) not reside in a nursing home, convalescent home, or rehabilitation centre; and
   e) not require assistance with daily living activities.
3. If your health changes or does not remain stab le between the date you completed and submit the application and your departure date, you MUST contact your broker or insurance company and review the medical question on the application again.

EXCLUSIONS: Your coverage is subject to various exclusions, which are completely set out in the Exclusions section of the policy document. The following, although not an exhaustive list, are some of these exclusions:

 PRE-EXISTING CONDITIONS:
- If you are 60 years of age and over on the effective date:
Any pre-existing medical condition if that condition was not stable in the 180 days immediately before the effective date.
- If you are 59 years of age or under on the effective date: any pre-existing medical condition if that condition was not stable in the 90 days immediately before the effective date.
To obtain coverage for a pre-existing medical condition that was not stable in the applicable period immediately before the effective date, a Detailed Medical Questionnaire must be submitted and approved by TIC.
- 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:
     i) did not require, or was not referred for any medical consultation;
     ii) did not require a change in type or dosage of medication.

OTHER EXCLUSIONS:

- Any sickness or injury where the trip is taken to get medical treatment or advice for such injury or sickness.
- Loss, death or injury that is contributed to by the abuse of drugs, alcohol or any other intoxicant.
- Any injury or sickness, or state of health which, prior to the effective date of coverage, was such as to render expected medical treatment or hospitalization.
- Routine or elective treatment for pregnancy, including high-risk pregnancy, within the first 32 weeks of the pregnancy.
High-risk pregnancy means a pregnancy involving a medical condition that puts the mother, the developing fetus or both at a higher than normal risk of developing medical complications during or after the pregnancy and birth. These medical conditions include pre-eclampsia, eclampsia, hypertension, Rh incompatibility, gestational diabetes, or placenta previa.
- Pregnancy, childbirth or complications thereof after the 32nd week of pregnancy.
- Any emotional, mental or nervous disorders.
- Any medical consultation that is non-emergency, elective or the consequence of a prior elective procedure.
- A recurrence of complication of the sickness, injury or medical condition that resulted in the insured being returned home if the insured elects to resume their trip after being returned to Canada.
- Any rehabilitation or convalescent care.
- Injury resulting from training for or participating in speed contests in excess of 60 km per hour.
- Professional sport activities or organized motor sport contests.
- Stunt activities, exhibitions or demonstrations of any kind.
- High risk activities - heliskiing, ski jumping, skydiving, sky-surfing, scuba diving (if not certified by internationally recognized and accepted program such as NAUI or PADI, or if diving depth does not exceed 30 meters), white water rafting (except grades 1 to 4), street luge, skeleton activity, mountaineering, or participation in any rodeo activity.
- Naturopathic, holistic or acupuncture treatment.
- Benefits are not payable for costs incurred due to travel to counties for which the Canadian Government issued a travel advisory, before your departure date, for Canadians not to travel to that country, region or city.
- Applicants 60 to 74 years old travelling 16 days or more and applicants 75 or older who are travelling for any trip length must complete a Medical Questionnaire.
- A Detailed Medical Questionnaire must be completed by all eligible applicants who are 85 years or older.

CLAIMS:
You must notify TIC Emergency Assistance (toll free 1-800-995-1662 or worldwide collect 416-340-0049) prior to any surgery being performed or within 24 hours of admission to a hospital. Failure to do so, without reasonable cause, will result in the reduction of eligible benefit amounts payable by 20%.
- To make your claim, complete the claim form and include all original bills. Incomplete forms will cause delay.
- Claims must be reported within 30 days of occurrence.
- Written proof of claim must be submitted within 60 days of occurrence.
- For Accidental Death & Dismemberment Benefits include also: 1. Police report; 2. Coroner’s report; 3. Death certificate.

SUBMIT CLAIMS TO:
TIC Claims Department
2100-250 Yonge Street
Toronto ON, Canada M5B 2L7
Collect worldwide: 416-340-8809
Toll free Canada/USA: 1-800-869-6747

TIC Emergency Assistance and claims personnel are available to help you 24 hours a day, 7 days a week. TIC Emergency Assistance also provides support and recommendations for non-medical emergencies, providing you with access to resources to help resolve any unexpected difficulties you encounter during your trip.

FAQ:

Are the premiums refundable?
A full refund will be provided for policies which are recovered within 10 days of purchase.
There will be no refund of premium if a claim has been made.
Refund for partial cancellations will be calculated by multiplying the daily premium by the actual number of days the insured was out of province; if this amount is less than the minimum premium required for the plan purchased, the minimum premium will be used. This amount is then subtracted from the total premium paid.
Premiums less than $10 will not be refunded.
No refunds are available on the Multi-Trip Annual Travel plan.

I want to stay longer. Can I extend my coverage?
Yes, you can subject to policy terms and conditions. Just call your agent or TIC BEFORE the expiry of your policy. You must be in good health and not have incurred any losses with TIC. Your provincial or territorial health/medical plan must be valid for the duration of the extension.

What is included in Trip Cancellation & Interruption coverage?
Trip Cancellation and Interruption covers you financially for your pre-paid trip costs.
Prior to departure: non-refundable, non-recoverable portion of pre-paid airfare and/or pre-paid travel arrangements.
After departure: the extra cost of economy transportation by the most direct route to continue with the insured trip (or to return to the point of departure) if you miss a portion of your trip due to your sickness or injury, or the sickness or injury of a travelling companion or accompanying family member.  
Prior to or after departure: delay of the connection carrier provided that the connecting carrier or automobile was scheduled to arrive not less than two hours prior to the scheduled connection time, due to weather condition, volcanic eruptions, natural disaster or mechanical failure of the connecting carrier (airline, bus, train or government-operated ferry system); or traffic accident or emergency police road closure (police report required) causing the delay of a private or commercial automobile.
Select Plan benefits include lost baggage up to $500 (including baggage delay up to $200); Meals and accommodation ($300 per day up to $1,000 in case of interruption or delay beyond the expiry date as a result of your or your travelling companion sickness or injury); Tour operator (up to $1,000 for the non-refundable pre-paid travel arrangements if your trip is cancelled or re-scheduled by your tour operator; Accidental death and dismemberment (up to $10,000); Flight accident (up to $50,000).
Insured risks: Health: sickness, injury or death of you, a family member or travelling companion; death or hospitalization of your host at destination. Legal: if you have been called to jury duty or witness during your trip. External: change of airline schedule resulting to miss connection; default as a result of bankruptcy of a Canadian travel supplier; a disaster that renders your principal residence back home; adverse weather, volcanic eruptions, or a natural disaster; if there is a travel advisory (issued after the effective date of your policy) for your booked destination; cancellation (beyond your control) prior to departure of a business meeting at your destination that you are required to attend. Work: a job transfer within 30 days of your scheduled departure date, by your employer, that requires relocation of your principal residence (not applicable to self-employed persons). Other: you or your traveling companion being called to service in the case of reservists, active military, police, essential medical and fire personnel.
Exclusions: If sum insured purchased is $15,000 or less: any pre-existing conditions that are not stable within the 90 days immediately preceding the application date. If sum insured is more than $15,000: any pre-existing conditions that are not stable within the 180 days immediately preceding the application date.

About TIC
TIC Travel Insurance Coordinators Ltd., one of the largest travel insurers in Canada, is 100% owned by Co-operators Life Insurance Company, part of the Co-operators Group, Canada's largest, Canadian-owned, multi-product insurer.

Note: This information is an illustration only. It is not an insurance policy. For the complete terms, conditions, limitations and exclusions please see the policy document.

DOWNLOADS:

TIC Travel Insurance POLICY PDF

TIC Travel Insurance BROCHURE PDF

TIC Travel Insurance CLAIM FORM PDF

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