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TIC's BROCHURES (1. VISITORS 2. OUT OF COUNTRY 3. INTERNATIONAL STUDENTS)

1. New Immigrants’ and Visitors’ Medical Insurance

Highlights
(For brochure, please click here).

TIC PLANS
Emergency Hospital & Medical Expenses
Daily rates per person

Sum Insured	$10,000	$25,000	$50,000	$100,000	$150,000
AGE 0-25	$1.58	$2.05	$2.36	$3.10	$3.73
AGE 26-34	$1.68	$2.21	$2.52	$3.41	$3.96
AGE 35-39	$1.79	$2.36	$2.63	$3.62	$4.40
AGE 40-54	$1.89	$2.73	$3.10	$4.62	$5.52
AGE 55-59	$2.00	$2.94	$3.31	$4.78	$5.61
AGE 60-64	$2.94	$3.94	$4.62	$5.72	$6.80
AGE 65-69	$3.15	$4.46	$5.25	$7.09	$7.55
AGE 70-74	$4.62	$6.41	$7.61	$9.56	$10.13
AGE 75-79	$5.51	$7.77	$9.77	$11.81	$12.33
AGE 80-85*	$4.78	$6.88	$8.72	$11.03	$13.75

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2. Out-Of-Country Travel Insurance

Highlights
(For brochure, please click here, rates effective July 13, 2011.)

TIC Plans

Pre-Existing Condition Exclusion
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, medication treatment or hospitalization, within the 180 days immediately prior to the effective date.

Exclusion:

1. 0-59 years old, not covered for "any pre-existing medical condition that was not stable in the 90 days before the effective date.
2. 60 years and over, not covered for "any pre-existing medical condition that was not stable in the 180 days before the effective date

Medical Questionnaire Not Required

1. Age 0-59 any trip length; clients are covered for pre-existing medical conditions if stable for 90 days prior to the effective date.
2. Age 60-74, trips 1 to 15 days, clients are covered for pre-existing medical conditions if stable for 180 days prior to the effective date

Medical Questionnaire Required (questionnaires available on our forms page)

1. Age 60 -74: trips 16 days or more - complete the Basic Medical Questionnaire through QuickTIC
2. Age 75-84: any trip length - complete Basic Medical Questionnaire through QuickTIC
3. Age 85+: any trip length - complete and submit Detailed Medical Questionnaire in writing to TIC

Plans Highlights

U.S.A. Plan
Includes worldwide destinations
Daily rates per person

AGE (YEARS)	15 days-30	31-39	40-54	55-59
15-35 days	$2.31	$2.54	$2.60	$3.28
36-60 days	$2.31	$2.54	$2.60	$3.28
61-365 days	$2.38	$2.65	$2.70	$3.28

AGE (YEARS)	60-64	65-69	70-74	75-84	85+
1-15 days	$4.66	$5.93	$11.48	Basic MD*	Detailed MD*
16 days +	Basic MD*	Basic MD*	Basic MD*	Basic MD*	Detailed MD*

Non-U.S.A. Plan
Includes worldwide destinations
Daily rates per person

AGE (YEARS)	15 days-30	31-39	40-54	55-59
1-35 days	$2.08	$2.28	$2.33	$2.91
36-60 days	$2.08	$2.28	$2.33	$2.91
61-365 days	$2.14	$2.38	$2.43	$2.91

AGE (YEARS)	60-64	65-69	70-74	75-84	85+
1-15 days	$4.20	$5.53	$10.33	Basic MD*	Detailed MD*
16 days +	Basic MD*	Basic MD*	Basic MD*	Basic MD*	Detailed MD*

Canada-Only Plan (Out-of-Province)
Includes destinations within Canada only and outside of insured's province or territory of residence.
Daily rates per person

AGE (YEARS)	15 days-30	31-39	40-54	55-59
1-35 days	$1.16	$1.40	$1.43	$1.77
36-60 days	$1.16	$1.40	$1.43	$1.77
61-365	$1.20	$1.46	$1.49	$1.77

AGE (YEARS)	60-64	65-69	70-74	75-84	85+
1-15 days	$3.87	$4.38	$5.22	Basic MD*	Detailed MD*
16 days +	Basic MD*	Basic MD*	Basic MD*	Basic MD*	Detailed MD*

 

Take Flight Plans : Emergency Hospital and Medical Insurance Plan for seniors

Premium rate depends on the health conditions. Please call us to get a quote.

Accidental Death & Dismemberment

SUM INSURED	RATE
$25,000	$0.35/DAY
$100,000	$1.30/DAY
$250,000	$3.25/DAY

Minimum premium per policy:$16.00

Flight Accident

SUM INSURED	RATE
$200,000	$14.50/TRIP
$500,000	$29.10/TRIP

Multi-Trips Basic Annual Plan
Worldwide travel - annual premium
Emergency Excess Hospital & Medical Coverage
Choose your usual trip length

		EMH $5 million only
AGE(YRS)	15 days-39	40-59	60-84	85+
8 days	$50	$59	Basic MD	Detailed MD
15 days	$75	$90	Basic MD	Detailed MD
35 days	$105	$123	Basic MD	Detailed MD
60 days	$175	$264	Basic MD	Detailed MD
105 days	$286	$416	Basic MD	Detailed MD

Premium rate is per year.
** If you are age 60-84, please contact us for Basic Medical Questionnaire and a quotation.
If you are age 85 or over, please contact uf for a Detailed Medical Questionnaire and a quotation. The questionnaires are also available on our forms page.

Multi-Trips Select Annual Plan
Worldwide travel for 8, 15, or 35-day trips - annual premium
Option #1 includes Emergency Hospital ($5 million) & Medical and Flight Accident coverage ($100,000); no PST
Option #2 includes Emergency Hospital ($5 million) & Medical, Flight Accident ($100,000), $1000 Trip Cancellation (prior to departure), and $2,000 Interruption coverage (after departure); + PST (8% sales tax Ontario, 9% sales tax Quebec)

	8 DAYS PER TRIP	15 DAYS PER TRIP	35 DAYS PER TRIP
OPTION 1 - SINGLE	$84	$117	$147
OPTION 2 - SINGLE	$175	$229	$257

Rates only applicable for applicants ages 0-59. The select multi-trip plan - worldwide destination is not availble for those age 60 and above.

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3. International Student Travel Insurance

Highlights
(For brochure, please click here)

TIC Plans

Plans Highlights

• Affordable all-in-one hospital, medical and extended health care solution
• Additional optional coverages including Accidental Death and Dismemberment, Trip Interruption, Flight Accident, Baggage and Rental Car Colision Damage Protection

Standard Plan

INSURED	RATE
Student	$1.35/DAY
Each dependent*	$1.70

*Dependent(s) include spouse and must be on the same policy and plan as the eligible student and living in the same residence.

Enhanced Plan

INSURED	RATE
Student	$1.85/DAY
Each dependent*	$2.35

*Dependent(s) include spouse and must be on the same policy and plan as the eligible student and living in the same residence.

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