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TIC Travel Insurance

GLOBAL EXPATRIATE

QUALIFICATIONS
Coverage is available to persons age 15 days to 79 years who are not eligible for benefits under a Canadian government health insurance plan.

Such persons must be either:

a Canadian citizen residing outside Canada, or
a Canadian citizen returning to reside in Canada and awaiting coverage under a government health insurance plan, or
a non-Canadian citizen residing in Canada and requiring coverage in Canada
a non-Canadian citizen residing outside or their country of origin while employed by a Canadian company

PLAN OPTIONS
You can choose between a basic plan with a limit of $100,000.00 or the select plan with limits of $500,000.00 or $1,000,000.00 with additional benefits.

You can also choose between worldwide coverage including the U.S.A. in U.S.A. currency or worldwide coverage excluding the U.S.A. in Canadian Currency.

OPTIONAL DEDUCTIBLES

(Deductibles are in U.S.A. dollars for the "including" U.S.A. option and in Canadian dollars for the "excluding" U.S.A. option.)

$500 deductible - save 5%
$1,000 deductible - save 10%
$5,000 deductible - save 30%
$10,000 deductible - save 40%
$25,000 deductible - save 45%

BENEFITS - Basic and Select Plans

This is only a summary. Please see the policy wording for all benefits.

HOSPITAL

Semi-private hospital accommodation and reasonable and customary services and supplies necessary during confinement as a resident in-patient.

MEDICAL

Services of a legally licensed physician, surgeon, anaesthetist or registered graduate nurse.
Diagnostics, lab tests and/or x-ray examinations.
Services of a physiotherapist, doctor of chiropractic or podiatrist/osteopath up to a maximum of $1,000.
Air, land or sea ambulance.
Wheelchair, crutches or hospital-type bed, not exceeding the purchase price; splints, trusses, braces or other approved prosthetic appliances.
Out-patient services provided by a hospital.
Prescription drugs or medications.

RETURN OF DECEASED

In the event of death up to $10,000 to return the insured to their country of origin, or up to $4,000 for cremation or burial at the place of death.

ACCIDENTAL DENTAL

Treatment or services to whole or sound natural teeth which are damaged as a result of an accidental blow to the face - up to $3,000.

DENTAL EMERGENCIES

Treatment for the immediate relief of acute dental pain caused by other than a blow to the face, up to $500.

DENTIST (IN HOSPITAL)

Dental surgical procedures which are medically required to be performed in a hospital, up to $500.

ACT OF TERRORISM

If you sustain a loss from an act of terrorism that is otherwise covered under this plan, we 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.

EMERGENCY TRANSPORTATION

Transport to country of origin when necessary continuing medical care is required and is not covered under this policy.

RETURN HOME

Transport to country of origin if the insured is permanently unable to perform basic activities of daily life as the result of a covered sickness or injury or if the insured requires long-term chronic care. This benefit also includes one additional insured family member, up to $3,000.

PHYSICAL EXAMINATION

One routine annual examination by a physician up to a maximum of $200.

EYE EXAMINATION

One routine annual examination by an optometrist.

MATERNITY BENEFIT

When the expected delivery date is more than 10 months after the effective date of the policy: 80% of the costs incurred by the mother and the new-born as the result of pregnancy, childbirth or miscarriage, or complications related thereto up to $25,000. New-borns can be fully covered from 15 days of age following written approval by TIC.

PSYCHIATRIST

The services of a psychiatrist up to one hour per week to a maximum of 10 visits in any 12 consecutive month period.

SELECT PLANS ONLY - additional benefits

ACCIDENTAL DEATH & DISMEMBERMENT

Up to $10,000 for loss of life, limb or sight resulting directly from accidental injury occurring during the period of coverage. See policy for schedule.

TRANSPORTATION OF FAMILY OR FRIEND

Up to $3,000 for round-trip economy class and up to $1,000 for reasonable costs if a family member or close friend is required to attend on the insured when hospitalized or when local authorities require the identification of the insured's remains.

ATTENDANT

Up to $500 for an attendant to care for children or other family members who rely on the insured for assistance if the insured is hospitalized.

VACCINATIONS

Necessary vaccinations up to $100 annually.

WHAT IS NOT COVERED?

This policy does not cover everything. This insurance has exclusions, conditions and limitations. Please read and understand them before you buy this insurance.

EXCLUSIONS

This is only a summary. Please look at the policy wording for all exclusions.

Any sickness, injury or medical condition that exhibited symptoms for which a diagnosis need not have been made or required any or all of: medical consultation, prescription medication, medical treatment or hospitalization prior to the effective date unless the insured has written confirmation of coverage from TIC which describes specifically the amendment to this exclusion.
Any sickness for which symptoms occurred within 48 hours of the effective date, except when application for this insurance is completed: a) prior to the insured leaving the country of origin, or b) before the expiry date of an existing TIC Global Expatriate Policy.
Any sickness, injury or medical condition, for which a diagnosis need not have been made, for which the policy is purchased or the trip is undertaken for the purpose of securing medical treatment or advice.
Loss, death or injury, if at the time of the loss, death or injury evidence supports the insured was affected by, or the medical condition causing the loss was in any way contributed to by the use of alcohol, prohibited drugs or any other intoxicant; the non-compliance with a prescribed treatment or medical therapy; or the misuse of medication.
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.
Naturopathic, holistic or acupuncture treatment.
Any loss incurred in the U.S.A. if coverage is purchased for Worldwide excluding the U.S.A. only, except for loss due to acute emergency hospital and other covered emergency costs due to sickness or injury occurring during the period of coverage while the insured is traveling in transit through U.S.A. for a period of up to 5 days.

TIC Travel Insurance

GLOBAL EXPATRIATE

BENEFITS - Basic and Select Plans

SELECT PLANS ONLY - additional benefits