Applicant must:

  • Be at least age 15 days of age at the time of application date of the policy
  • Be Insured for benefits under Canadian government health insurance plan during the entire period of  coverage
  • Be currently in good health and know of no reason to seek medical consultation during the period of the coverage

 

Applicant must:

  • be a visitor to Canada, a person with a Canadian work visa or super visa, an immigrant to Canada or a Canadian resident, who is not eligible for a provincial or territorial government insurance plan in Canada
  • Be at least age 15 days old on date of purchase
  • not have been diagnosed with a terminal illness; or not have been diagonsed with stage 3 or 4 cancer; or
  • not have been diagnosed with or have required medical treatment for kidney disease requiring dialysis; or
  • not have ben diagnosed with or have had an episode of congestive heart failure; or
  • not have had a lung conditionfor which, in the last 12 months, you have been prescribed or used home oxygen; or
  • not have received or is awaiting a bone marrow or major organ transpant.
  • Be currently in good health and know of no reason to seek medical consultation during the period of the coverage
*
*

Choice of policy maximum based on your needs :From $10,000 up to $150,000 CAD

No deductible : for age 85 or younger
$100 deductible : for a 5% savings on the daily rate

Maximum period of coverage: 365 days

Minimum premium: $25 CAD per policy

Family rate available
Twice the single rate based on the oldest member of family. children must be 21 year or under

Worldwide travel coverage
Provided the majority (51%) of your period of coverage is spent in Canada except the country of origin

Pre-existing condition 
Automatically covers the Stable Chronic Condition 
If stable in the 120 days prior to the effective date of policy

Waiting period
For policy purchased prior to your arrival in Canada: waived 

For policy purchased after your arrival in Canada: For age 85 or younger 48 hours from the effective date of the policy for Emergency Sickness

Refund
Full refund is available 
when the request for refund is received prior to the effective date of the Policy 

Partial refund is available 
If you return to your country of permanent residence 
'No claim statement' and 'Proof of Return' (ex. airline ticket/boarding pass ) are required   
Requests for refunds must be made in writing within 90 days of your policy expiry date 
An cancellation fee of $40 will apply to per policy 

No refund will be issued 
If claim has been or will be submitted
If the amount of premium to be reimbursed is less than $10 per policy

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*

Hospital Expenses

reasonable and customary cost for in and out patient treatment

Physician Fees

 
Diagnostic Services  reasonable and customary cost for X-rays and laboratory test
Ground Ambulance
Prescription drugs up to $500 CAD, Limited to a 30-day supply per prescription
Medical Appliances

Casts, splints, trusses, braces, crutches, rental of wheelchair or other minor medical appliances

Paramedical Practitioner 

Chiropodist, chiropractor, osteopath, physiotherapist or podiatrist up to $500 CAD per type of practitioner with a 180-day policy

Acupuncture

up to $500 CAD with a 365-day policy
Treatment of Dental Accidents  up to $3,000 CAD

Dental Emergency

up to $500 CAD
Air Flight Accident up to the sum insured

Repatriation

when approved in advance by assistance company

Return of deceased up to $10,000 CAD

 

 

 

 

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*
with stable pre-existing conditions coverage option 0 deductible 
Age $10,000 $15,000 $25,000 $50,000 $100,000 $150,000
Up to 25 $1.70 $2.04 $2.27 $2.49 $3.59 $4.30
26-40 $1.86 $2.22 $2.49 $2.74 $4.02 $4.66
41-60 $2.14 $2.55 $2.86 $3.11 $4.95 $5.75
61-64 $2.44 $3.20 $3.84 $4.14 $5.13 $6.34
65-69 $3.00 $3.91 $4.72 $5.09 $5.94 $7.40
70-74 $4.85 $6.32 $7.60 $8.35 $9.79 $12.17
75-79 $5.80 $7.54 $8.96 $9.88 $11.59 $14.41
80-85 $11.48 N/A $17.76 $19.58 $22.95 N/A
86+ N/A N/A N/A N/A N/A N/A

 

without stable pre-existing conditions coverage option 0 deductible 
Age $10,000 $15,000 $25,000 $50,000 $100,000 $150,000
70-74 $3.82 $4.99 $5.99 $6.59 $8.12 N/A
75-79 $4.59 $5.98 $7.11 $7.83 $10.32 N/A
80-85 $6.23 $7.88 $9.69 $10.43 $13.94 N/A
86+ $9.57 $12.37 $14.90 $16.40 $22.30 N/A

 

with stable pre-existing conditions coverage option 100 deductible 
Age $10,000 $15,000 $25,000 $50,000 $100,000 $150,000
Up to 25 $1.62 $1.94 $2.16 $2.37 $3.41 $4.09
26-40 $1.77 $2.11 $2.37 $2.60 $3.82 $4.43
41-60 $2.03 $2.42 $2.72 $2.95 $4.70 $5.46
61-64 $2.32 $3.04 $3.54 $3.65 $4.87 $6.02
65-69 $2.85 $3.71 $4.48 $4.84 $5.64 $7.03
70-74 $4.61 $6.00 $7.22 $7.93 $9.30 $11.56
75-79 $5.51 $7.16 $8.51 $9.39 $11.01 $13.69
80-85 $10.91 N/A $16.87 $18.60 $21.80 N/A
86+ N/A N/A N/A N/A N/A N/A

 

without stable pre-existing conditions coverage option 100 deductible 
Age $10,000 $15,000 $25,000 $50,000 $100,000 $150,000
70-74 $3.63 $4.74 $5.69 $6.26 $7.71 N/A
75-79 $4.36 $5.68 $6.75 $7.44 $9.80 N/A
80-85 $5.92 $7.49 $9.21 $9.91 $13.24 N/A
86+ $9.09 $11.75 $14.16 $15.58 $21.19 N/A

 

with stable pre-existing conditions coverage option 1000 deductible 
Age $10,000 $15,000 $25,000 $50,000 $100,000 $150,000
Up to 25 $1.36 $1.63 $1.82 $1.99 $2.87 $3.44
26-40 $1.49 $1.78 $1.99 $2.19 $3.22 $3.73
41-60 $1.71 $2.04 $2.29 $2.49 $3.96 $4.60
61-64 $1.95 $2.56 $3.07 $3.31 $4.10 $5.07
65-69 $2.40 $3.13 $3.78 $4.07 $4.75 $5.92
70-74 $3.88 $5.06 $6.08 $6.68 $7.83 $9.74
75-79 $4.64 $6.03 $7.17 $7.90 $9.27 $11.53
80-85 $9.18 N/A $14.21 $15.66 $18.36 N/A
86+ N/A N/A N/A N/A N/A N/A

 

without stable pre-existing conditions coverage option 1000 deductible 
Age $10,000 $15,000 $25,000 $50,000 $100,000 $150,000
70-74 $3.06 $3.99 $4.79 $5.27 $6.50 N/A
75-79 $3.67 $4.78 $5.69 $6.26 $8.26 N/A
80-85 $4.98 $6.30 $7.75 $8.34 $11.15 N/A
86+ $7.66 $9.90 $11.92 $13.12 $17.84 N/A

 

with stable pre-existing conditions coverage option $2500 deductible 
  $10,000 $15,000 $25,000 $50,000 $100,000 $150,000
Up to 25 N/A N/A $1.59 $1.87 N/A N/A
26-40 N/A N/A $1.74 $2.06 N/A N/A
41-60 N/A N/A $2.00 $2.33 N/A N/A
61-64 N/A N/A $2.69 $3.11 N/A N/A
65-69 N/A N/A $3.30 $3.82 N/A N/A
70-74 N/A N/A $5.32 $6.26 N/A N/A
75-79 N/A N/A $6.27 $7.41 N/A N/A
80-85 N/A N/A $12.43 $14.69 N/A N/A
86+ N/A N/A N/A N/A N/A N/A

 

without stable pre-existing conditions coverage option $2500 deductible 
Age $10,000 $15,000 $25,000 $50,000 $100,000 $150,000
70-74 N/A N/A $4.61 $6.09 N/A N/A
75-79 N/A N/A $5.48 $7.74 N/A N/A
80-85 N/A N/A $7.30 $10.46 N/A N/A
86+ N/A N/A $11.48 $16.73 N/A N/A

 

with stable pre-existing conditions coverage option$3,000 deductible 
Age $10,000 $15,000 $25,000 $50,000 $100,000 $150,000
Up to 25 $1.19 $1.43 $1.59 $1.74 $2.51 $3.01
26-40 $1.30 $1.55 $1.74 $1.92 $2.81 $3.26
41-60 $1.50 $1.79 $2.00 $2.18 $3.47 $4.03
61-64 $1.71 $2.24 $2.69 $2.90 $3.59 $4.44
65-69 $2.10 $2.74 $3.30 $3.56 $4.16 $5.18
70-74 $3.40 $4.42 $5.32 $5.85 $6.85 $8.52
75-79 $4.06 $5.28 $6.27 $6.92 $8.11 $10.09
80-85 $8.04 N/A $12.43 $13.71 $16.07 N/A
86+ N/A N/A N/A N/A N/A N/A

 

without stable pre-existing conditions coverage option $3,000 deductible 
Age $10,000 $15,000 $25,000 $50,000 $100,000 $150,000
70-74 $2.67 $3.49 $4.19 $4.61 $5.68 N/A
75-79 $3.21 $4.19 $4.98 $5.48 $7.22 N/A
80-85 $4.36 $5.52 $6.78 $7.30 $9.76 N/A
86+ $6.70 $8.66 $10.43 $11.48 $15.61 N/A

 

Coverage $100,000 with pre-existing option Super Visa insurance 
deductible $0 $100 $1,000 $3,000
41-60 $1,806.75 $1,716.41 $1,445.40 $1,264.73
61-64 $1,872.45 $1,778.83 $1497.96 $1310.72
65-69 $2,168.10 $2,059.70 $1,734.48 $1,517.67
70-74 $3,573.35 $3,394.68 $2,858.68 $2,501.35
75-79 $4,230.35 $4,018.83 $3,384.28 $2,961.25
80-85 $8,376.75 $7,957.91 $6,701.40 $5,863.73
*
*

1. You can buy online

2. You need prepare the following information and email([email protected]/  [email protected]) or call 416-834-9204; 905-771-8288;604-637-2195;1-877-834-9204) to tell me ,And you can get the Confirmation of insurance through email  the same day,insurance card ,confirmation of insurance ,and claim form etc will be emailed to you right day. 

3. If you prefer to meet me, then we can make an appointment through the phone and I will explain the detail to you when we meet. 

A. information I need :

1. The first name, Last name , Gender, Date of Birth of the insured ;  
2.the arrival date,  the insurance starts date, and  the insurance ends date;  
3.Plan( Company, Coverage, Deductible) ;  
4.Beneficiary ( For AD&D- It should be any family member other than the insured ) ;
6.Contact address in Canada  ( including postal code,  phone No. and email address);

B. Payment method:Credit card/ Cheque/ Cash 。

Insurance Purchase Application Form 

 

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*

In the event of hospitalization, you must contact TIC Claims Department  within 48 hours of admission. Failure to make such notification will limit the total amount payable to 80% of all eligible expenses incurred

The claims representatives are here to assist you 24 hours a day, seven days a week. 

In Canada & USA: 1-866-209-5804
Collect worldwide: 905-707-9555

Send all pertinent documents to: 
TIC Claims Department 
250 Yonge Street, Suite 2100
Toronto,Ontario 
M5B 2L7

*
*
Eligibility

Applicant must:

  • be a visitor to Canada, a person with a Canadian work visa or super visa, an immigrant to Canada or a Canadian resident, who is not eligible for a provincial or territorial government insurance plan in Canada
  • Be at least age 15 days old on date of purchase
  • not have been diagnosed with a terminal illness; or not have been diagonsed with stage 3 or 4 cancer; or
  • not have been diagnosed with or have required medical treatment for kidney disease requiring dialysis; or
  • not have ben diagnosed with or have had an episode of congestive heart failure; or
  • not have had a lung conditionfor which, in the last 12 months, you have been prescribed or used home oxygen; or
  • not have received or is awaiting a bone marrow or major organ transpant.
  • Be currently in good health and know of no reason to seek medical consultation during the period of the coverage
*
*
Features

Choice of policy maximum based on your needs :From $10,000 up to $150,000 CAD

No deductible : for age 85 or younger
$100 deductible : for a 5% savings on the daily rate

Maximum period of coverage: 365 days

Minimum premium: $25 CAD per policy

Family rate available
Twice the single rate based on the oldest member of family. children must be 21 year or under

Worldwide travel coverage
Provided the majority (51%) of your period of coverage is spent in Canada except the country of origin

Pre-existing condition 
Automatically covers the Stable Chronic Condition 
If stable in the 120 days prior to the effective date of policy

Waiting period
For policy purchased prior to your arrival in Canada: waived 

For policy purchased after your arrival in Canada: For age 85 or younger 48 hours from the effective date of the policy for Emergency Sickness

Refund
Full refund is available 
when the request for refund is received prior to the effective date of the Policy 

Partial refund is available 
If you return to your country of permanent residence 
'No claim statement' and 'Proof of Return' (ex. airline ticket/boarding pass ) are required   
Requests for refunds must be made in writing within 90 days of your policy expiry date 
An cancellation fee of $40 will apply to per policy 

No refund will be issued 
If claim has been or will be submitted
If the amount of premium to be reimbursed is less than $10 per policy

*
*
Benefits

Hospital Expenses

reasonable and customary cost for in and out patient treatment

Physician Fees

 
Diagnostic Services  reasonable and customary cost for X-rays and laboratory test
Ground Ambulance
Prescription drugs up to $500 CAD, Limited to a 30-day supply per prescription
Medical Appliances

Casts, splints, trusses, braces, crutches, rental of wheelchair or other minor medical appliances

Paramedical Practitioner 

Chiropodist, chiropractor, osteopath, physiotherapist or podiatrist up to $500 CAD per type of practitioner with a 180-day policy

Acupuncture

up to $500 CAD with a 365-day policy
Treatment of Dental Accidents  up to $3,000 CAD

Dental Emergency

up to $500 CAD
Air Flight Accident up to the sum insured

Repatriation

when approved in advance by assistance company

Return of deceased up to $10,000 CAD

 

 

 

 

*
*
Claim

In the event of hospitalization, you must contact TIC Claims Department  within 48 hours of admission. Failure to make such notification will limit the total amount payable to 80% of all eligible expenses incurred

The claims representatives are here to assist you 24 hours a day, seven days a week. 

In Canada & USA: 1-866-209-5804
Collect worldwide: 905-707-9555

Send all pertinent documents to: 
TIC Claims Department 
250 Yonge Street, Suite 2100
Toronto,Ontario 
M5B 2L7

*
*
Price
with stable pre-existing conditions coverage option 0 deductible 
Age $10,000 $15,000 $25,000 $50,000 $100,000 $150,000
Up to 25 $1.70 $2.04 $2.27 $2.49 $3.59 $4.30
26-40 $1.86 $2.22 $2.49 $2.74 $4.02 $4.66
41-60 $2.14 $2.55 $2.86 $3.11 $4.95 $5.75
61-64 $2.44 $3.20 $3.84 $4.14 $5.13 $6.34
65-69 $3.00 $3.91 $4.72 $5.09 $5.94 $7.40
70-74 $4.85 $6.32 $7.60 $8.35 $9.79 $12.17
75-79 $5.80 $7.54 $8.96 $9.88 $11.59 $14.41
80-85 $11.48 N/A $17.76 $19.58 $22.95 N/A
86+ N/A N/A N/A N/A N/A N/A

 

without stable pre-existing conditions coverage option 0 deductible 
Age $10,000 $15,000 $25,000 $50,000 $100,000 $150,000
70-74 $3.82 $4.99 $5.99 $6.59 $8.12 N/A
75-79 $4.59 $5.98 $7.11 $7.83 $10.32 N/A
80-85 $6.23 $7.88 $9.69 $10.43 $13.94 N/A
86+ $9.57 $12.37 $14.90 $16.40 $22.30 N/A

 

with stable pre-existing conditions coverage option 100 deductible 
Age $10,000 $15,000 $25,000 $50,000 $100,000 $150,000
Up to 25 $1.62 $1.94 $2.16 $2.37 $3.41 $4.09
26-40 $1.77 $2.11 $2.37 $2.60 $3.82 $4.43
41-60 $2.03 $2.42 $2.72 $2.95 $4.70 $5.46
61-64 $2.32 $3.04 $3.54 $3.65 $4.87 $6.02
65-69 $2.85 $3.71 $4.48 $4.84 $5.64 $7.03
70-74 $4.61 $6.00 $7.22 $7.93 $9.30 $11.56
75-79 $5.51 $7.16 $8.51 $9.39 $11.01 $13.69
80-85 $10.91 N/A $16.87 $18.60 $21.80 N/A
86+ N/A N/A N/A N/A N/A N/A

 

without stable pre-existing conditions coverage option 100 deductible 
Age $10,000 $15,000 $25,000 $50,000 $100,000 $150,000
70-74 $3.63 $4.74 $5.69 $6.26 $7.71 N/A
75-79 $4.36 $5.68 $6.75 $7.44 $9.80 N/A
80-85 $5.92 $7.49 $9.21 $9.91 $13.24 N/A
86+ $9.09 $11.75 $14.16 $15.58 $21.19 N/A

 

with stable pre-existing conditions coverage option 1000 deductible 
Age $10,000 $15,000 $25,000 $50,000 $100,000 $150,000
Up to 25 $1.36 $1.63 $1.82 $1.99 $2.87 $3.44
26-40 $1.49 $1.78 $1.99 $2.19 $3.22 $3.73
41-60 $1.71 $2.04 $2.29 $2.49 $3.96 $4.60
61-64 $1.95 $2.56 $3.07 $3.31 $4.10 $5.07
65-69 $2.40 $3.13 $3.78 $4.07 $4.75 $5.92
70-74 $3.88 $5.06 $6.08 $6.68 $7.83 $9.74
75-79 $4.64 $6.03 $7.17 $7.90 $9.27 $11.53
80-85 $9.18 N/A $14.21 $15.66 $18.36 N/A
86+ N/A N/A N/A N/A N/A N/A

 

without stable pre-existing conditions coverage option 1000 deductible 
Age $10,000 $15,000 $25,000 $50,000 $100,000 $150,000
70-74 $3.06 $3.99 $4.79 $5.27 $6.50 N/A
75-79 $3.67 $4.78 $5.69 $6.26 $8.26 N/A
80-85 $4.98 $6.30 $7.75 $8.34 $11.15 N/A
86+ $7.66 $9.90 $11.92 $13.12 $17.84 N/A

 

with stable pre-existing conditions coverage option $2500 deductible 
  $10,000 $15,000 $25,000 $50,000 $100,000 $150,000
Up to 25 N/A N/A $1.59 $1.87 N/A N/A
26-40 N/A N/A $1.74 $2.06 N/A N/A
41-60 N/A N/A $2.00 $2.33 N/A N/A
61-64 N/A N/A $2.69 $3.11 N/A N/A
65-69 N/A N/A $3.30 $3.82 N/A N/A
70-74 N/A N/A $5.32 $6.26 N/A N/A
75-79 N/A N/A $6.27 $7.41 N/A N/A
80-85 N/A N/A $12.43 $14.69 N/A N/A
86+ N/A N/A N/A N/A N/A N/A

 

without stable pre-existing conditions coverage option $2500 deductible 
Age $10,000 $15,000 $25,000 $50,000 $100,000 $150,000
70-74 N/A N/A $4.61 $6.09 N/A N/A
75-79 N/A N/A $5.48 $7.74 N/A N/A
80-85 N/A N/A $7.30 $10.46 N/A N/A
86+ N/A N/A $11.48 $16.73 N/A N/A

 

with stable pre-existing conditions coverage option$3,000 deductible 
Age $10,000 $15,000 $25,000 $50,000 $100,000 $150,000
Up to 25 $1.19 $1.43 $1.59 $1.74 $2.51 $3.01
26-40 $1.30 $1.55 $1.74 $1.92 $2.81 $3.26
41-60 $1.50 $1.79 $2.00 $2.18 $3.47 $4.03
61-64 $1.71 $2.24 $2.69 $2.90 $3.59 $4.44
65-69 $2.10 $2.74 $3.30 $3.56 $4.16 $5.18
70-74 $3.40 $4.42 $5.32 $5.85 $6.85 $8.52
75-79 $4.06 $5.28 $6.27 $6.92 $8.11 $10.09
80-85 $8.04 N/A $12.43 $13.71 $16.07 N/A
86+ N/A N/A N/A N/A N/A N/A

 

without stable pre-existing conditions coverage option $3,000 deductible 
Age $10,000 $15,000 $25,000 $50,000 $100,000 $150,000
70-74 $2.67 $3.49 $4.19 $4.61 $5.68 N/A
75-79 $3.21 $4.19 $4.98 $5.48 $7.22 N/A
80-85 $4.36 $5.52 $6.78 $7.30 $9.76 N/A
86+ $6.70 $8.66 $10.43 $11.48 $15.61 N/A

 

Coverage $100,000 with pre-existing option Super Visa insurance 
deductible $0 $100 $1,000 $3,000
41-60 $1,806.75 $1,716.41 $1,445.40 $1,264.73
61-64 $1,872.45 $1,778.83 $1497.96 $1310.72
65-69 $2,168.10 $2,059.70 $1,734.48 $1,517.67
70-74 $3,573.35 $3,394.68 $2,858.68 $2,501.35
75-79 $4,230.35 $4,018.83 $3,384.28 $2,961.25
80-85 $8,376.75 $7,957.91 $6,701.40 $5,863.73
*
*
Purchase

1. You can buy online

2. You need prepare the following information and email([email protected]/  [email protected]) or call 416-834-9204; 905-771-8288;604-637-2195;1-877-834-9204) to tell me ,And you can get the Confirmation of insurance through email  the same day,insurance card ,confirmation of insurance ,and claim form etc will be emailed to you right day. 

3. If you prefer to meet me, then we can make an appointment through the phone and I will explain the detail to you when we meet. 

A. information I need :

1. The first name, Last name , Gender, Date of Birth of the insured ;  
2.the arrival date,  the insurance starts date, and  the insurance ends date;  
3.Plan( Company, Coverage, Deductible) ;  
4.Beneficiary ( For AD&D- It should be any family member other than the insured ) ;
6.Contact address in Canada  ( including postal code,  phone No. and email address);

B. Payment method:Credit card/ Cheque/ Cash 。

Insurance Purchase Application Form 

 

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*

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