TIC Travel Insurance
For
Canadians
(
TIC has over 50 years of experience in the travel health insurance market, and offers a broad selection of products and services to meet the needs of traveling Canadians. TIC insurance plans are underwritten by Co-operators Life Insurance Company. TIC is a Canadian-owned part of Co-operators Group of companies, with assets exceeding $6 billion.
(You must call TIC emergency assistance prior to any surgery being performed or within 24 hours of admission to hospital. Failure to do so, without reasonable cause, will reduce eligible expenses by 20 %.)
PROTECT YOURSELF WHEREVER YOU GO
Traveling can be an adventure at the best of times. To keep your vacation or business trip from becoming too much of an adventure due to an unexpected illness or accident, you need a back up plan.
TIC Travel Insurance offers you an affordable “just in case” plan that can save your vacation if you have an unexpected illness or accident. We’ll be there to help and ensure you get the care you need.
Why do I need travel insurance?
Government health insurance plans will pay only a small fraction of expenses if you are sick or injured while outside
What is covered?
Travel insurance is intended to cover sudden, unexpected, and unforeseeable circumstances. Please read the Benefits section for a summary of the coverage available.
What is not covered?
Travel insurance does not cover everything. This insurance has exclusions, conditions and limitations. Please read them and understand the policy before you buy this insurance.
Are there age limits?
Coverage is not available for persons less than 15 days old. If you are 61 years and older traveling 61 days or longer, you must complete a medical questionnaire and receive written acceptance from TIC.
I want to stay longer. Can I purchase further coverage?
Yes you can, subject to policy terms and conditions. Just call your agent or TIC (during business hours) prior to the expiry of your first coverage. You must be in good health and not have incurred any losses with TIC. Fees will be charged.
What if I have an emergency or claim?
Our professional emergency assistance and claims personnel are available to help you 24 hours a day, 7 day a week. TIC’s experienced multilingual staffs verify coverage to hospitals, arrange emergency medical evacuation, coordinate payments, and contact your family doctor and relatives. We’re here to help you. Call TIC Emergency Assistance or have someone call on your behalf as soon as possible.
Is my personal information protected?
We are committed to protecting the privacy, confidentiality and security of the personal information we collect, use and disclose. Your personal information, including your medical history, will be collected, used and disclosed only for the purpose of providing you with the requested insurance services. For a copy of TIC’s privacy policy, please contact us or visit our website www.travelinsurance.ca.
BENEFITS
Provided up to $2 Million for emergency hospitalization (semi-private) and emergency medical services in excess of your provincial or territorial plan.
MEALS AND ACCOMMODATION
While you are in hospital, insured family members or traveling companions remaining with you will be reimbursed up to $3,000 for reasonable living expenses.
TRANSPORTATION OF FAMILY OR FRIENDS
Up to $3,000 for round-trip economy transportation to bring a family member or close friend to your bedside, plus, up to $1,000 for reasonable costs, if you are hospitalized, or to identify your remains in the case of your death.
RETURN OF TRAVELLING COMPANION
The extra cost of one-way economy transportation to return your insured traveling companions (under age 18, or physically or mentally handicapped and reliant on you for assistance) and one insured accompanying family member home, if you have been returned to
ATTENDANT
When pre-approved by TIC, covers the cost of an attendant (not a relative) plus the attendant’s return economy transportation to travel with your children (under age 18, or physically or mentally handicapped and reply on you for assistance) home when you have been air evacuated back to
RETURN OF VEHICLE OR WATERCRAFT
Up to $3,000 will be reimbursed if, due to a covered sickness or injury, you can not return the vehicle or watercraft used for the journey. TIC will arrange to return the vehicle for you.
RETURN OF DECEASED
In the event of death, TIC will reimburse up to $10,000 for the cost incurred to return your body to
ACCIDENTAL DENTAL
Up to $3,000 is payable for emergency 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 caused by other than a blow to the face.
EMERGENCY TRANSPORTATION
When you are assessed as medically transportable, TIC will arrange for emergency transportation to a hospital in
RETURN TO ORIGINAL TRIP DESTINATION
If you return home under the Emergency Transportation benefit and your emergency is completely resolved, TIC will pay up to $5,000 for one-way economy transportation for you and one insured traveling companion, to return to your original trip destination. Must be pre-approved by TIC.
OPTIONAL PLANS
ACCIDENTAL DEATH &DISMEMBERMENT
Choose either $25,000, $100,000 or $250,000 of coverage for accidental loss of life, limb, sight or disappearance during your trip other than while flying.
TRIP INTERRUPTION
Coverage amounts of $800, $1500 or $2000 for the cost of one-way transportation home in the event of unexpected, insured events.
TRIP CANCELLATION
If your trip is cancelled, interrupted or delayed due to an Insured Risk (see policy for details) TIC will reimburse you for the amount that is non-refundable on the date of occurrence of the Insured Risk that prevents you from traveling as scheduled. After-departure benefits cover the extra of economy transportation to the ticketed destination; the unusable pre-paid, insured travel arrangements; and out-of-pocket expenses up to $200 per day to a maximum of $600 for commercial accommodation and meals, essential telephone calls and taxi fares. Additional benefits are also available.
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 policy exclusions:
l 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 the 180 days immediately prior to the effective date. This exclusion applies to persons up to age 70 on the effective date, traveling for periods of 36 days or longer and persons age 71 and over for trips of any duration.
l Any sickness, injury or medical condition for which a diagnosis need not have been made, or state of health which, prior to the effective date of coverage, was such as to render expected medical treatment or hospitalization.
l Any sickness, injury or state of health where the trip is taken to get medical treatment or advice for such injury or sickness.
l Loss, death or injury that is contributed to by the abuse of drugs, alcohol or any other intoxicant.
l Expenses incurred as a result of pregnancy within eight weeks of the expected delivery date.
(For the complete terms, benefits, conditions and exclusions please see the policy documents.)
All – Inclusive Package by TIC
$ 149 PER PERSON (Tour Value Up to $ 2,500)
For people who are under age 60 and travel for 9 days in China
$ 189 PER PERSON (Tour Value Up to $ 2,500)
For People who are over age 60 and travel for 9 days in China
$ 159 PER PERSON (Tour Value Up to $ 3,000)
For people who are under age 60 and travel for 15 days in China
$ 219 PER PERSON (Tour Value Up to $ 3,000)
For People who are over age 60 and travel for 15 days in China
$ 269 PER PERSON (Tour Value Up to $ 5,000)
For people who are under age 60 and travel for 16 days in China
$ 339 PER PERSON (Tour Value Up to $ 5,000)
For people who are over age 60 and travel for 16 days in China
All Inclusive Package Plans (Details):
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; and
f) be scheduled to travel on a trip to, from or within Canada; and
Summary of Coverage per Insured Person
Emergency Hospital & Medical
- Hospital Confinement and Medical Services ………………………. $ 2 million
The Following benefits are included in the overall maximum of $2 million.
- Terrorism ……………………………………… Aggregate limit (refer to policy)
- Emergency Transportation …………………….. Up to overall maximum
- Attendant ………………………………………..Up to overall maximum
- Ambulance Services …………………………….Up to overall maximum
- Return of Traveling Companion ………………...Up to overall maximum
- Return of Deceased ……………………………...$10,000
- Cremation at Place of Death ……………………. $ 4,000
- Return to Original Trip Destination …………….. $ 5,000
- Meals and Accommodation ………………………$ 3,000
- Return of Vehicle or Watercraft ………………….$ 3,000
- Accidental Dental ………………………………...$ 3,000
- Dental Emergency ………………………………..$ 500
- Physiotherapist ………………………………….. $ 500
- Chiropractor ……………………………………..$ 500
- Prescription Medication ………………………... $ 500
- Pet Return (Dog or Cat) ……………………….. $ 300
Trip Cancellation & Interruption
- Prior to Departure ………………………………Sum Insured
- After Departure …………………………………$ 25,000
- Default Protection ………………………………$ 3,500 (aggr. Limit applies)
- Return of Deceased ……………………………. $ 10,000
- Cremation at Place of Death …………………… $ 4,000
- Out of Pocket Allowance ………………………. $ 600
- Tour Operator …………………………………... $ 1,000
- Meals and Accommodation …………………….. $ 1,000
- Baggage Delay …………………………………. $ 200
- Accidental Death & Dismemberment ………….. $ 10,000
- Flight Accident …………………………………. $ 50,000
- Baggage ………………………………………… $ 500
***** For any terms, conditions, and further questions, please visit TIC website, http://www.travelinsurance.ca *****
TRIP CANCELLATION & INTERRUPTION
Basic Plan
Select Plan
All – Inclusive Package – Non –
ELIGIBILITY
To be eligible for coverage a person must:
a) be at last 15 days old; and
b) be scheduled to travel on a trip to, or from
c) purchase this coverage within 48 hours of paying the non-refundable deposit to the travel supplier or agent for the trip and before any cancellation penalties are applicable.
Coverage Begins
When an application has been made and the premium has been paid for a specific plan of insurance, coverage begins on the latest of the date and time:
a) the completed application is accepted by TIC or its representative; or
b) indicated as the application date.
Coverage Ends
Coverage ends on the earliest of the date:
a) of occurrence of the Insured Risk which results in the cancellation of the insured’s trip prior to the scheduled departure date; or
b) and time the insured returns to their permanent residence; or
c) indicated as the expiry date on the confirmation of coverage; or
d) 365 days from the application date for ‘Prior to Departure’ benefits.
DESCRIPTION OF COVERAGE
The insurer agrees to pay up to the sum insured indicated on the confirmation of coverage, for losses resulting from an ‘Insured Risk’ occurring during the period of coverage. Coverage is provided worldwide for trips to, or from
ALL-INCLUSIVE PACKAGE
Non-U.S.A. Plan
Coverage includes:
1. ‘Emergency Hospital & Medical for Canadians’
2. ‘Trip cancellation & Interruption – Select Plan’
BENEFITS for Basic Plan and Select Plan
Benefits are payable for the following costs:
a) Prior to Departure
i. The non-refundable, non-recoverable portion of prepaid airfare and/or pre-paid travel arrangements.
ii. The single supplement charged as the result of a traveling companion or accompanying family member who is unable to travel due to an ‘Insured Risk’.
b) After Departure
i. The extra cost of economy transportation by the most direct route to continue with the insured trip if the insured misses a portion of his/her trip due to sickness or injury of the insured, a traveling companion or accompanying family member.
ii. The non-refundable portion of unused, pre-paid, insured travel arrangements for the trip (excluding partially used airline tickets) booked prior to departure, and the extra cost of economy airfare by the most direct route, to return to the point of departure.
iii. In the event of death due to a covered sickness or injury, up to $10,000 will be reimbursed for costs incurred to return the insured in a standard transportation container, to their permanent residence, or up to $4,000 for cremation or burial at the place of death, when the insured is not covered under any other insurance plan.
c) Prior To or After Departure
In the event that a delay of the connecting carrier or automobile at the departure point causes a missed connection, provided the connecting carrier or automobile was scheduled to arrive not less than two hours prior to the scheduled connection time due to:
l Weather conditions or mechanical failure of the connecting carrier (airline, bus, train or government – operated ferry system); or
l Traffic Accident or emergency police road closure (police report required) causes the delay of a private or commercial automobile.
The insurer agrees to pay:
i. the extra cost of economy transportation to the ticketed destination;
ii. the unusable pre-paid, insured travel arrangements; and
iii. an out-of-pocket allowance of up to $200 per day to a maximum of $600 for commercial accommodation and meals, essential telephone calls and taxi fares.
ADDITIONAL BENEFITS for Select Plan
Benefits are payable for the following costs:
1. Meals and Accommodation
In the event that the insured’s trip is interrupted or delayed beyond the expiry date shown in the confirmation of coverage, as a result of sickness or injury of the insured, a traveling companion, or an accompanying family member, additional commercial accommodation and meals, essential telephone calls and taxi fares will be reimbursed up to $300 per day to a maximum of $1,000.
2. Delayed Baggage
In the event that the insured’s luggage or personal possessions are delayed or lost for 12 hours or more, while en route and before returning to the original point of departure, costs for reasonable and necessary toiletries and clothing will be reimbursed up to a maximum of $200. Purchases must be made within 36 hours of arrival at the insured’s destination and prior to receipt of the insured’s baggage.
3. Tour Operators
In the event that the insured’s tour is cancelled or re-scheduled by the tour operator for any reason other than default, up to $10,000 will be payable for the non-refundable pre-paid travel arrangements that are not a part of the cancelled or re-scheduled tour package.
4. Accidental Death & Dismemberment
$10,000 sum insured.
Refer to page 12 for details of coverage.
5. Flight Accident
$50,000 sum insured.
Refer to page 14 for details of coverage.
6. Baggage
$500 sum insured.
Refer to page 16 for details of coverage.
INSURED RISKS
The Benefits listed above are payable if the insured’s trip is cancelled prior to the scheduled departure date, curtailed prior to the scheduled return date, or delayed after the scheduled return date as the result of:
Health
1. Sickness, injury or death of the insured, or a family member, or a traveling companion, or traveling companion’s family member or a key employee of the insured.
2. The death of a friend of the insured.
3. The death of hospitalization of the insured’s host at the destination.
4. Sickness, injury or death of a person or persons with whom arrangements were made for the care of dependents living in the insured’s household.
Legal
5. The insured has been called to jury duty, or been subpoenaed as a witness, and the court proceeding is scheduled to be heard during the period of the trip (excluding law enforcement officers).
6. The legal adoption of a child by the insured during the period of the trip, which necessitates cancellation of the trip.
External
7. The schedule change of the airline carrier that is providing transportation for a portion of the insured trip, causing the insured to miss a connection or resulting in the interruption of the insured travel arrangements.
8. The insured’s failure to obtain a valid travel visa (excluding an immigration, student or employment visa) necessary to enter the country of destination of the trip, for reasons beyond the insured’s control provided the insured is a Canadian resident and eligible to apply, and the failure to obtain valid documents is not the result of a late or previously denied application.
9. Default of a travel supplier ceasing operations as a result of bankruptcy.
10. A disaster which renders the insured’s principal residence, in their country of permanent residence, uninhabitable.
11. A statement on terrorism or health risk made in the ‘Travel Report’ issued by the Canadian Department of Foreign Affairs or Public Health Agency of Canada after the application date, advising or recommending that Canadians should not travel to the booked destination for a period that would include the insured’s scheduled trip.
12. Hijacking or quarantine of the insured.
13. Adverse weather which would prevent the insured from traveling for a period not less than 30% of the total duration of the insured trip when the insured chooses not to continue with the trip prior to departure from the point of origin.
14. Cancellation prior to departure, of a business meeting that the insured is required to attend by his/her employment or a conference arranged by the insured’s professional association, and the cancellation is beyond the control of the insured, the insured’s employer or association.
15. Rescheduling of an examination at an accredited Canadian or American university or college after the trip was booked and due to circumstances beyond the insured’s control. A copy of the original official examination schedule and the notice of rescheduling must accompany any claim submission. The rescheduled examination must occur during the period of coverage.
Work
16. A Job transfer within 30 days of the insured’s scheduled departure date, by the insured’s employer, that requires relocation of the insured’s principal residence (not applicable to self-employed persons).
SPECIFIC CONDITIONS
1. Upon the occurrence of an ‘Insured Risk’ that results in cancellation, curtailment or delay of the insured’s trip, the travel supplier or agent must be notified on the same day or next business day that the cause of cancellation, injury or ultimate diagnosis of sickness occurs.
2. Benefits are limited to the non-refundable amounts assessed by the travel supplier as of the date of occurrence of the ‘Insured Risk’, injury or the ultimate diagnosis of a sickness.
3. When family members are traveling together, the total aggregate limit is 12 insured persons, regardless of the number of policies issued, unless authorized by TIC.
4. When traveling companions are traveling together, the total aggregate limit is 5 insured persons, regardless of the number of policies issued, unless authorized by TIC.
5. No benefits are payable when the insured’s return to the point of origin is beyond 10 days from the expiry date specified in the confirmation of coverage, unless the insured or a traveling companion suffering the sickness or injury was confined in a hospital, or was certified as medically unfit to travel by the attending physician at the location treatment was provided.
6. Reimbursement of any eligible additional costs are limited to the lesser of:
a) the change-fee;
b) a one-way economy class airfare; or
c) a return economy class airfare;
all by the most direct route.
7. All claims due to sickness or injury must be supported by documentation from the attending physician at the location where sickness or injury leading to cancellation occurred.
8. ‘General Provisions’ of this policy apply.
EXCLUSIONS
Benefits are not payable for costs incurred due to:
CANX1 Any sickness, injury or medical condition of an insured, family member, traveling companion or traveling companion’s family member or key employee of the insured, that exhibited symptoms for which a diagnosis need not have been made or required any or all of: medical consultation, medical treatment or hospitalization, within the 90 days immediately preceding the application date.
CANX2 Any sickness, injury or medical condition for which a diagnosis need not have been made or state of health which, prior to the application date, was such as to render expected medical treatment or hospitalization.
CANX3 Losses while sane or insane due to: emotional, mental or nervous disorders resulting from any cause, including but not limited to anxiety or depressions; suicide, attempted suicide; or intentionally self-inflicted injury.
CANX4 Act of war, kidnapping, act of terrorism including those caused directly or indirectly by nuclear, chemical or biological means; riot, strike or civil commotion, unlawful visit in any country, participation in protests, participation in armed forces activities or a commercial sexual transaction or the commission or attempted commission of any criminal offence, contravention of any statutory law or regulation in the area where the loss occurred by the insured, a family member or traveling companion.
CANX5 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.
CANX6 Any sickness, injury or medical condition for which a diagnosis need not have been made, where the trip is undertaken for the purpose of securing medical treatment or advice.
CANX7 Any medical consultation that is non-emergency or any procedure or treatment that is elective or the consequence of a prior elective procedure.
CANX8 Traveling against the advice of a physician or any loss resulting from a sickness or medical condition that was diagnosed by a physician as terminal prior to the effective date of this policy.
CANX9 Injury resulting from training or participating in speed contests usually and customarily in excess of 60 km per hour, professional sport activities, or organized motor sport contests.
CANX10 Loss incurred as a result of pregnancy, or childbirth, or complications thereof occurring within 8 weeks of the expected date of delivery.
CANX11 Loss incurred as a result of pregnancy which are routine or elective and which occur within the first 32 weeks of pregnancy.
CANX12 A trip undertaken for the purpose of visiting or attending to an ailing person whose medical condition or ensuing death is the cause of cancellation or curtailment of the insured trip or delays the insured’s return home.
CANX13 Loss for any event prior to departure, which might reasonably have been expected to necessitate the immediate return or delay the return of the insured.
CANX14 Loss for any event which, on the application date, could reasonably have been expected to prevent the insured from traveling as booked.
CANX15 Losses recovered or which are recoverable from any other source, including trustees or any government compensation fund.
CANX16 Loss arising as a consequence of the bankruptcy or insolvency of a retail travel agent, agency or broker, whether or not otherwise entitled to the benefit of this insurance.
CANX17 Losses arising as a result of a default of the travel supplier if, at the time of booking and/or application, the travel supplier is bankrupt, insolvent, in receivership, or has sough protection from creditors under any bankruptcy or related legislation.
CANX18 Losses arising as a result of default of an American travel supplier of the services to be provided by the American travel supplier are not part of a package tour sold to the insured by an appointed representative of TIC.
CANX19 Losses arising from default of a travel supplier for travel services purchased by the insured direct from the travel supplier, or from other than an appointed representative of TIC.
CANX20 Any amounts assessed by the travel supplier that are non-refundable after the date of the occurrence of an ‘Insured Risk’, injury or ultimate diagnosis of a sickness that was the cause of the cancellation, regardless of the date the trip was cancelled.
CANX21 Any nuclear occurrence, however caused.
CLAIMS PROCEDURES
1. Claims must be reported within 30 days of occurrence.
2. Written proof must be submitted within 90 days of occurrence.
Important Notes
a) If an insured trip must be cancelled, the travel supplier or agent must be notified on the day (or the next business day) that the cause of cancellation occurs. Benefits are limited to the amounts that are non-refundable, at the occurrence date of the ‘Insured Risk’ that was the cause for cancellation, regardless of the date the trip is cancelled.
b) Any fees for the completion of medical certificates or claims forms are not covered under this insurance.
When submitting your claim please include:
a) Trip Cancellation, Interruption and Delay
i. A fully completed and signed claim form. Incomplete forms will be returned and will delay processing of your claim.
ii. Both the insured and the claimant (if other than the insured) must sign the Authorization and Certification.
iii. A Medical Certificate completed by the treating physician. A copy of the patient’s/deceased’s medical records may be required.
iv. If cancellation is due to death, copy of death certificate.
v. If cancellation is due to any reason other than sickness, injury or death, please contact the TIC Claims Department for detailed claims requirements.
b) Prior to Departure
(in addition to the requirements for item a) above)
i. Itemized copy of the invoice confirming the amount paid for your trip, including the cost of airfare, hotel, taxes, service fees and any other expenses.
ii. Proof of payment such as: a credit card statement, a copy of a cancelled cheque, or a copy of the official receipt issued by the travel agency.
iii. Statement of refund from the travel supplier or agent if applicable.
iv. Original unused airline tickets and any other original travel documentation (if you did not get a refund from any other source).
c) After Departure
(in addition to the requirements for item a) above)
i. Original unused airline ticket and passenger coupon of the new replacement ticket purchased to return home.
ii. If only a change-fee was charge, receipt showing the amount charged.
iii. For an unused tour, provide a copy of the original invoice, breakdown of unused tour cost, and a copy of the travel itinerary.
iv. Any original receipts for out-of-pocket expenses incurred due to interruption or delayed return.
v. Any other documentation to support your claim.
All claims forms are available online at www.travelinsurance.ca or by calling the TIC Claims Department.
ACCIDENTAL DEATH & DISMEMBERMENT
ELIGIBILITY
To be eligible for coverage a person must:
a) be at least 15 days old; and
b) not reside in a nursing home, convalescent home, or rehabilitation centre; and
c) not require assistance with daily living activities.
Coverage Begins
When an application has been made and the premium has been paid for each person insured under this plan, coverage begins on the latest of the date and time:
a) the completed application is accepted by TIC or its representative; or
b) indicated as the effective date on the application; or
c) the insured departs from their country of origin or province or territory of residence.
Coverage Ends
Coverage ends on the earliest of the date:
a) and time the insured arrives in their country of origin, or province or territory of residence; or
b) indicated as the expiry date on the confirmation of coverage; or
c) 365 days after the effective date for this policy.
DESCRIPTION OF COVERAGE
The insurer agrees to pay up to the sum insured indicated on the confirmation of coverage, for loss of life, limb or sight resulting directly from accidental injury, occurring during the period of coverage, except while boarding, riding in, or alighting from an aircraft.
Coverage is limited to:
a) $25,000 for each insured under the Visitors to Canada Select Plan; and
b) $10,000 for each insured under the Trip Cancellation & Interruption Select Plan.
BENEFITS
Benefits are payable according to the following schedule:
a) 100% of sum insured resulting from the same accidental injury for loss of:
i. life; or
ii. entire sight of both eyes; or
iii. both hands; or
iv. both feet; or
v. one hand and entire sight of one eye; or
vi. one foot and entire sight of one eye.
b) 50% of sum insured resulting from the same accidental injury for loss of:
i. entire sight of one eye; or
ii. one hand; or
iii. one foot.
Loss of hand or hands, or foot or feet means severance through or about the wrist joint or ankle joint, respectively. Loss of eye or eyes means total and irrecoverable loss of the entire sight.
Only one amount is payable (the largest) if the insured suffers more than one of these losses.
Exposure and Disappearance
If the insured is exposed to the elements or disappears as a result of an accident, a loss will be covered if:
a) as the result of such exposure, the insured suffers one of the losses specified in the schedule of losses about; or
b) the body of the insured has not been found within 52 weeks from the date of the accident it will be presumed, subject to evidence to the contrary, that the insured suffered loss of life.
EXCLUSIONS
Benefits are not payable for losses incurred due to:
ADD1 Losses while sane or insane due to: emotional, mental or nervous disorders resulting from any cause, including but not limited to anxiety or depression; suicide or attempted suicide; or intentional self-inflicted injury.
ADD2 Act of war, kidnapping, act of terrorism including those caused directly or indirectly by nuclear, chemical or biological means; riot, strike or civil commotion, unlawful visit in any country, participation in protests, participation in armed forces activities or a commercial sexual transaction or the commission or attempted commission of any criminal offence, contravention of any statutory law or regulation in the area where the loss occurred by the insured, a family member or traveling companion.
ADD3 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.
ADD4 Traveling against the advice of a physician or any loss resulting from a sickness or medical condition that was diagnosed by a physician as terminal prior to the effective date of this policy.
ADD5 Injury resulting from training for or participating in speed contests usually and customarily in excess of 60 km per hour, professional sport activities, or organized motor sport contests.
ADD6
ADD7 Any nuclear occurrence, however caused.
CLAIMS PROCEDURES
Important Notes
1. Written proof of claim must be submitted to TIC within 90 days of occurrence.
2. If the claim form is not fully completed and submitted with all required documentation this may delay your claim.
3. Any costs incurred for documentation or required reports are the insured’s or claimant’s responsibility.
When submitting your claim please include:
1. A fully completed and signed claim form by either the insured person, or in the case of death, by the appointed executor/executrix.
2. Police report including any witness statements.
3. Coroner’s report.
4. Death certificate.
5. Medical Certificate completed by the attending physician or hospital medical record.
6. Any other documents requested by TIC after initial review of the claim.
FLIGHT ACCIDENT
ELIGIBILITY
To be eligible for this coverage a person must be at least 15 days old.
Coverage Begins
When an application has been made and the premium has been paid for this insurance, coverage begins on the latest of the date and time:
a) the completed application is accepted by TIC or its representative; or
b) indicated as the effective date on the application; or
c) the insured commences travel as described under the ‘Risks Insured’ section of this coverage.
Coverage Ends
Coverage ends on the earliest of:
a) the expiry date on the confirmation of coverage; or
b) the date and time and insured ceases travel as described under the ‘Risks Insured’ section of this coverage.
DESCRIPTION OF COVERAGE
The insurer agrees to pay up to a maximum sum insured of either $200,000 or $500,000 as indicated on the confirmation of coverage, for loss of life, limb or sight directly resulting from accidental injury occurring worldwide during the period of coverage.
1. Each person insured under the ‘Multi-trip Select Plan’ has a maximum sum insured of $100,000.
2. Each person insured under the ‘Trip Cancellation & Trip Interruption Select Plan’ has a maximum sum insured of $50,000
Coverage is for all flights ticketed and arranged prior to the effective date.
The total aggregate limit for accidental injury resulting from a risk insured under the ‘Flight Accident’ benefit is $10 million.
BENEFITS
Benefits are payable according to the following schedule:
a) 100% of sum insured resulting from the same accidental injury for loss of:
i. life; or
ii. entire sight of both eyes; or
iii. both hands; or
iv. both feet; or
v. one hand and entire sight of one eye; or
vi. one foot and entire sight of one eye
b) 50% of sum insured resulting from the same accidental injury for loss of:
i. eight of one eye; or
ii. one hand; or
iii. one foot.
Loss of hand or hands, or foot or feet means severance through or above the wrist joint or ankle joint, respectively. Loss of eye or eyes means total and irrecoverable loss of the entire sight.
Only one amount is payable (the largest) if the insured suffers more than one of these losses.
Exposure and Disappearance
If the insured is exposed to the elements or disappears as a result of a flight accident, a loss will be covered if:
a) as a result of such exposure, the insured suffers one of the losses specified in the schedule of losses above, or
b) the body of the insured has not been found within 52 weeks from the date of the flight accident. It will be presumed, subject to evidence to the contrary, that the insured suffered loss of life.
RISKS INSURED
Benefits are limited to payment for losses occurring during the period of coverage while the insured is:
a) Riding solely as a ticketed passenger in, or boarding or alighting from, a certified multi-engine transportation-type aircraft or passenger aircraft provided by a regularly scheduled airline on any regularly scheduled trip operated between licensed airports.
b) On airport premises immediately before boarding or immediately before boarding or immediately after alighting from an aircraft; or while riding as a passenger in an airport limousine or bus, or surface vehicle provided, and arranged for, by the airline or airport authority, when going to or after being at an airport for the purpose of boarding an aircraft or alighting from an aircraft.
EXCLUSIONS
Benefits are not payable for loss resulting from:
FAC1 Losses while sane or insane due to : emotional, mental or nervous disorders resulting from any cause, including but not limited to anxiety or depression; suicide or attempted suicide; or intentional self-inflicted injury.
FAC2 Act of war, kidnapping, act of terrorism including those caused directly or indirectly by nuclear, chemical or biological means; riot, strike or civil commotion, unlawful visit in any country, participation in protests, participation in armed forces activities or a commercial sexual transaction or the commission or attempted commission of any criminal offence, contravention of any statutory law or regulation in the area where the loss occurred by the insured, a family member or traveling companion.
FAC3 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.
FAC4 Any nuclear occurrence, however caused.
CLAIMS PROCEDURES
Important Notes
1. Written proof of claim must be submitted within 90 days of occurrence.
2. To submit your claim, fill out the claim form completely and include all necessary documents. Incomplete information will cause delay.
3. Any costs incurred for documentation or required reports are the insured’s or claimant’s responsibility.
When submitting your claim please include:
1. Fully completed and signed claim form (completed by either the insured person, or in the case of death, by the appointed executor/executrix).
2. Copy of flight itinerary.
3. Coty of incident report from airline or airport.
4. Medical Certificate completed by the attending physician or hospital medical records.
5. Death certificate (in the event of death).
BAGGAGE
ELIGIBILITY
To be eligible for coverage a person must:
a) be traveling on a trip to, or from
b) purchase coverage for the entire duration of the trip.
Coverage Begins
When an application has been made and the premium has been paid for this insurance, coverage begins on the latest of the date and time:
a) the completed application is accepted by TIC or its representative; or
b) indicated as the effective date on the application; or
c) the insured departs from their province, territory or country of residence.
Coverage Ends
Coverage ends on the earliest of the date:
a) and time and insured returns to their province, territory or country of residence; or
b) indicated as the expiry date on the confirmation of coverage; or
c) 365 days after the effective date for this coverage.
DESCRIPTION OF COVERAGE
1. The insurer agrees to pay up to maximum sum insured of either $1,000 or $1,500 as indicated on the confirmation of coverage, for loss or damage to owned or borrowed baggage and personal effects normally carried by the insured. Coverage is limited to $500 under the ‘Trip Cancellation & Interruption Select Plan.’
2. The amount of loss or damage sustained in each event shall be determined separately, and any benefits payable are in excess of any amounts available under any other insurance or source.
3. Coverage is subject to a $50 deductible, for each insured event causing loss.
4. The insurer’s liability shall be limited to $300 per single article, matched pair or set or group of related articles.
5. The insurer will pay the lesser of the following:
a) the actual cash value of the property, with proper deduction for depreciation, at the time of loss or damage; or
b) the amount for which the property could be repaired to its condition prior to the damage; or
c) the amount for which the property could be replaced with property of like kind and quality.
BENEFITS
The insurer agrees to pay for the following:
1. Personal Effects
Items for the personal use, adornment or amusement of the insured or any of the insured’s family members who are traveling with the insured.
2. Personal Currency
Up to $100 for loss of personal currency when caused directly by theft or robbery and supported by a police report.
3. Wheelchair
Up to $100 for repairs or rental replacement of the insured’s wheelchair ( or standard special features) in the event the wheelchair is rendered inoperable due to damage resulting during normal usage.
4. Injury of Accompanying Cat or Dog
Up to $200 for emergency care due to unexpected injury of an accompanying cat or dog.
5. Travel Documents
Up to an aggregate limit of $100 for the replacement cost of any of the following documents: passport, driver’s license, birth certificate or travel visa when the loss is caused directly by theft or robbery and supported by a police report.
EXCLUSIONS
Benefits are not payable for loss as a result of:
BAG1 Act of war, kidnapping, act of terrorism including those caused directly or indirectly by nuclear, chemical or biological means; riot, strike or civil commotion, unlawful visit in any country, participation in protest, participation in armed forces activities or a commercial sexual transaction or the commission or attempted commission of any criminal offence, contravention of any statutory law or regulation in the area where the loss occurred by the insured, a family member or traveling companion.
BAG2
BAG3 Loss of or damage to: contact lenses, prescription eye glasses, artificial teeth and limbs, hearing aids, forms of money and currency (except as provided under ‘Personal Currency’), securities, tickets credit cards, statuary paintings, breakage of fragile or brittle objects, objects of art or antiques, or animals (except as specifically provided for cat or dog).
BAG4 Theft from an unattended vehicle unless it was securely locked and there was visible evidence of forced entry.
BAG5 Any nuclear occurrence, however caused.
CLAIMS PROCEDIRES
Important Notes
1. Immediately notify the airline, bus, railroad, hotel or other authorities where the theft occurred and obtain an official report. A police report is required in the event of stolen baggage or personal effects.
2. Written proof of claim must be submitted within 90 days of occurrence.
When submitting your claim please include:
1. A completed and signed claim form with a brief explanation of the incident leading to the loss.
2. And itemized list detailing the value of all lost of stolen items, together with proof of ownership such as receipts, photos, credit card statements, owners manuals, etc.
3. Copy of correspondence from any other source which may cover this loss, confirming payment or denying liability.
4. Copy of airline tickets and itinerary confirming departure and return dates.
5. Any other documents to support your claim.
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