TRAVEL INSURANCE COORDINATORS

VISITORS TO CANADA COVERAGE AND EXCLUSIONS OUTLINE

This Plan Pays For:

• Semi-private hospital accommodation and for reasonable supplies and services as necessary during your confinement as an in-patient
• the services of a legally licensed medical physician or surgeon, anesthetist and registered graduate nurse
• the services of a legally licensed physiotherapist when ordered by an attending physician up to $500
• the services of a legally licensed chiropractor when ordered by an attending physician up to $500
• lab tests and x-rays as ordered by a legally licensed medical physician when performed at the time of the initial emergency
• the use of a licensed local air, land or sea ambulance, when necessary, to the nearest hospital
• rental of crutches or hospital-type bed and the cost of splints, trusses, braces or other prosthetics
• emergency out-patient hospital services
• prescription drugs or medicines up to $500 or a one-month supply
• reimbursement up to $10,000 for the homeward carriage of your body in the event of death or up to $4,000 for cremation or burial at the place of death
• repair or replacement of whole or sound natural teeth caused by an accidental blow to the face, up to $3,000
• the immediate relief of acute dental pain up to $500 caused by other than a blow to the face
• 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 $2,500,000 for one or a series of such acts and up to $5,000,000 for all such acts in a calendar year involving all T.I.C. issued policies while excluding terrorism from nuclear, biological or chemical means.
• Emergency transportation of the insured to their country of origin when immediate medical consultation is required following a covered emergency sickness or injury.
• A return home benefit, up to $3,000 for the additional cost of one-way economy transportation by the most direct route to the insured's country of origin if a covered sickness or injury necessitates immediate return of the insured during the period of coverage.


Please read the policy wording for a full description of coverage and 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, within 180 days immediately preceding the effective date.
• Any sickness for which symptoms occurred within 48 hours of the effective date, except when application for this insurance is completed prior to arrival in Canada or before the expiry date of an existing TIC Visitors to Canada policy.
• 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.
• 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.