TRAVEL INSURANCE COORDINATORS

Visitors to Canada Benefits and Exclusions Outline

BENEFITS

The Visitors to Canada insurance plan has has no deductible and includes the following benefits:

Emergency Hospital

Up to the maximum aggregate limit selected at the time of application for semi-private hospital accommodation.

Emergency Medical

Up to the maximum aggregate limit selected at the time of application for emergency medical, surgical or anesthetic services when performed and authorized by a physician.

Emergency Extended Health

For the following emergency medical services, supplies and treatments: a) Private duty services of a Registered Nurse when approved in advance by TIC, up to $10,000. b) Physiotherapist services, when ordered by a physician, to a maximum of $500. c) Chiropractic services to a maximum of $500. d) Lab tests and x-ray examinations ordered by a physician. e) Licensed local air, land, or sea ambulance (including mountain or sea evacuation), when necessary, to the nearest hospital. f) Rental of crutches or hospital-type bed, and the cost of splints, trusses, braces or other prosthetics. g) Emergency out-patient hospital services. h) Prescription drugs or medicines, one-month's supply, to a maximum of $500.

Emergency Transportation

The cost up to the policy limit of air ambulance, one-way economy airfare or stretcher to transport you to your country of origin, and a medical attendant if required, when immediate medical consultation is required following a covered emergency sickness or injury.

Transportation of Family or Friend

Up to $3,000 for round-trip economy class transportation by the most direct route, and up to $1,000 for reasonable costs incurred after arrival by your family member or close friend if you are hospitalized due to a covered sickness or injury and the attending physician advises the necessary attendance by such persons, or if local authorities legally require the attendance of such persons, or if local authorities legally require the attendance of such persons to identify your remains in the event of death due to a covered sickness or injury.

Attendant

Up to $50 a day, to a maximum of $500, for an attendant (not related to you) to care for your accompanying insured travelling companions (under age 18, or physically or mentally handicapped travelling companions who rely on you for assistance), if you are hospitalized as the result of an emergency for 48 hours or more.

Follow-up Visits

Up to three follow-up visits, unless otherwise approved by TIC, are covered provided they are directly related to the emergency and the emergency has been reported to TIC.

Accidental Dental

Up to $3,000 for repair or replacement of whole or sound natural teeth caused 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.

Meals and Accommodation

Reimbursement of up to $150 per day to a maximum of $1,500 or up to a maximum 10 days in the event you (or your insured travelling companion) are confined to hospital on the date on which you are scheduled to return home. The insurer will reimburse for commercial accommodation, meals, child care costs (children under age 18, or physically or mentally handicapped travelling companion(s) who rely on you for assistance), essential telephone calls and taxi fares incurred by you or any insured travelling companion.

Emergency Return Home

Up to $3,000 for the cost of one-way economy transportation to your country of origin if the covered sickness or injury necessitates your immediate return home during the period of coverage. Includes one additional insured family member.

Return of Deceased

In the event of death, up to $10,000 is provided to return your body home, or up to $4,000 for cremation or burial at the place of death.

Accidental Death & Dismemberment

Up to the aggregate limit selected at the time of application for accidental loss of life, limb, or sight.

Act of Terrorism

If you sustain a loss from an act of terrorism that is otherwise covered under this plan, TIC will pay up to an aggregate limit of $2.5 million for one or a series of such acts and up to $5 million for all such acts in a calendar year involving all TIC-issued policies. Terrorism from nuclear, biological or chemical means is excluded. Please read your policy for a full description of coverage details and exclusions.

Please read the policy wording for a full description of benefits.

OPTIONAL PLANS

Flight Accident

Choose either $200,000 or $500,000 for accidental loss of life, limb, sight or disappearance resulting from an aircraft or airport-related accident.

Trip Interruption

Coverage amounts of $800, $1,500 or $2,000 for the cost of one-way transportation home in the event of unexpected insured events.

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:

If you are 69 years of age or under on the effective date: Any pre-existing medical condition unless it was stable in the 180 days immediately before the effective date.
If you are 70 to 79 years of age on the effective date:
1. Any cardiovascular, cerebrovascular and respiratory condition that required any or all of: medical treatment or hospitalization, within 180 days immediately before the effective date unless you have completed a Medical Questionnaire, have been approved in writing by TIC and have paid the required premium, or
2. any other per-existing medical condition not listed under "b) i." unless it was stable in the 180 days immediately before the effective date.
If you are 80 years of age or over on the effective date: 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. "

Any sickness for which symptoms occurred within 48 hours after the effective date, except when this insurance is purchased:
1. Prior to your arrival to Canada, or
2. At least 5 days before the expiry date of your existing TIC Visitors to Canada policy.
Any sickness or injury when a trip is undertaken for the purpose of securing medical treatment or advice.
Loss, death or injury that is contributed to by the abuse of drugs, alcohol or any other intoxicant.
An 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.
Expenses incurred as a result of pregnancy or childbirth.
Expenses incurred outside of Canada where the majority of the time on risk has not been spent in Canada.
Expenses incurred inside an insured's country of origin which is other than Canada.

Please read the policy wording for a full description of exclusions

DAN PUCHER