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It is a hospital & medical service. How many benefits you will get?

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, anesthetist or registered graduate nurse.
+ Diagnostics, lab tests and x-ray examinations.
+ Up to an aggregate limit of $10,000 for local land ambulance; private duty services of a registered graduate nurse; services of a physiotherapist, osteopath, chiropodist, podiatrist or a doctor of chiropractic; rental of crutches, wheelchair or hospital-type bed; the cost of splints, trussed, braces, or other prosthetic appliances; initial purchase of casts, artificial limbs, eyes or other medical appliances; oxygen and rental of equipment fro its administration; blood and blood plasma.
+ Prescription drugs or medications for out-patient use will be reimbursed at 80% of the costs incurred. Prescription drugs and medications are covered at 100% when the insured is hospitalized.

Maternity Benefit(when family coverage is purchased)
When the pregnancy commences after the effective date of the policy: 80% of costs incurred by the insured mother, upto $25,000 per pregnancy as the result of her pregnancy, childbirth, miscarriage, or complications related thereto for hospital accommodation and services or treatment by a physician. Newborns will be covered from 15 days of age following written approval by TIC.

Eye examination
One routine annual examination by an optometrist.

Accidental Dental
Up to $1,000.

Wisdom Teeth
Extraction of impacted wisdom teeth, up to $100 per tooth for necessary dental and/or oral surgical procedures.

Dental Emergencies
Up to $500.

Accidental Death & Dismemberment
Up to $10,000, for loss of ife, limb or sight resulting directly from accidental injury occurring during the period of coverage.

Return Home
One-way transportation to the insured's country of origin. Up to $3,000

Return of Deceased
Up to $10,000.

Health care costs in Canada are very expensive. Hospitals can charge thousands of dollars per day, with many Canadian hospitals charging a service fee to patients not covered under a provincial health care program.

So International student need this kind of Hospital and Medical insurance plan.

But who is eligible for this insurance?
1) You must be enrolled for a minimum of 60% of the usual course requirements in a Canadian school, college, university or accredited educational institution.

2) You must also be a resident of Canada on a temporary basis.

3) You are also eligible if you have completed your studies and remain up to a year in Canada to work in the field of your studies.

4) You can insure your spouse and children under your policy.

Sounds good.

What about the age limits?
Cover age is available for persons from 15 days to 64 years.

And sometimes you will have a trip outside Canada, does it cover it?
Yes, you are covered for acute emergency sickness or injury on trips outside of Canada up to 30 days in duration.

When you take the vacation to foreign country other than U.S.A., the TIC travel insurance for Canadian has good rate for you.

Let's get some detail about it.
TIC has a Non-U.S.A. Plan for it.

Age 0-30, $1.15 per day up to 365 days.
Age 31-54, $1.45 per day up to 365 days.

Looks cheap.

Now US dollar is almost same as Canadian dollar. So lot of Canadians go do down Stats and do shopping and travelling.

OK, if you want to buy a U.S.A Plan of Travel Insurance for Canadian through TIC, I can give you some premium indication firstly.

Age 0-30, $1.75 per day up to 365 days.
Age 31-54, $2.10 per day up to 365 days.

For a family is $5.40 per day up to 35 days.
Family means a maximum of 5 persons and includes the applicant and their spouse under age 61 and their dependent children under age 22.

You can get some idea about the premium you need to pay to U.S.A

We can put optional coverages on top of the standard Plan Benefits.

Baggage
Choose either $1,000 or $1,500 to cover theft of or damage to, hour baggage, personal belongings, travel documents or currency. Each item, or group of related items, is covered up to $300 with a $50 deductible per claim. Up to $200 for emergency care for an injury to your accompanying cat or dog and up to $100 for repair or rental replacement of your wheelchair.

Accidental Death & Dismemberment
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.

Flight Accident
Either $200,000 or $500,000 for accidental loss of life, limb, sight or disappearance resulting from an aircraft accident.

Trip Interruption
Coverage amounts of $800, $1,500 or $2,000 for the cost of one-way transportation home in the event of unexpected, insured events.

Rental Car Collision Damage Protection
Provides up to $50,000 for physical damage to an automobile rented from a commercial car rental agency.

Trip Cancellation

You must have lots interests to the benefits of Travel Insurance for Canadian.

The benefits is shown below:
Providers 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 travelling companions remaining with you will be reimbursed up to $3,000 for reasonable living expenses.

Transportation of family or friend
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 travelling 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 Canada by Air Ambulance. Pre-approval by TIC required.

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 rely on you for assistance) home when you have been air evacuated back to Canada.

Return of Vehicle or Watercraft
Up to $3,000 will be reimbursed if, due to a covered sickness or injury, you cannot return the vehicle or watercraft used for the journey. TIC will arrange to return the vehicle for you.

Pet Return (Dog or Cat)
Up to $300 for the cost of returning your accompanying dog or cat to Canada, if you return to Canada under the Emergency Transportation benefit or are hospitalized due to a covered sickness or injury.

It is an emergency hospital & medical insurance policy, administered by TIC Travel Insurance Coordinators Ltd.

Let me give you some information about this coverage.

1) Why do I need travel Insurance?
In Canada, government health insurance plans will pay only a small fraction of expenses if you are sick or injured while outside Canada, say $30/day. Some hospitals charge thousands of dollars a day, not including doctors' fees or diagnostic services. Without emergency hospital and medical insurance, you and your family would be responsible for these high costs, which can create a significant financial burden. It is true.
Other mishaps like replacing lost or stolen baggage, or buying a one-way ticket because of a missed return flight, can ruin your holiday or business trip.

2) What is not covered?
Travel insurance does not cover everything. Of course.

3) I travel a lot. Can I get a better deal?
Multi-trip plans provide frequent travellers with the convenience of not having to purchase insurance every time you travel. You can take as many trips as you want during the one year coverage period. We call it a annual policy.

4) Are there age limits?
Coverage is not available for persons less than 15 days old. If you are 61 years and older travelling 61 days or longer, you must complete a medical questionnaire and receive written acceptance from TIC.

5) I want to stay longer. Can I purchase further coverage?
Yes, you can, subject to policy terms and conditions.

Note:
This kind of Travel Insurance for Canadians is design for Canadian want to travel to Stats or other country. The premium will vary.

There are hundreds of circumstances that could cause you to cancel your trip, return home early or force you to seek emergency medical treatment while traveling.

To demonstrate the importance of purchasing travel insurance, and emergency travel services, here are 10 common examples of what could go wrong.

1. It's 10 p.m. and your family arrives at the airport for a connecting flight, only to find that your flight has been cancelled. How do you get your family home?

2. Your traveling companion's bag was lost with his insulin inside. He needs help to locate his bag as soon as possible and his emergency prescription filled. Who do you call?

3. Your first visit to Europe, and your passport and wallet are stolen. Where do you turn for emergency cash, and how will you get your passport replaced?

4. Your spouse is involved in an accident and adequate medical treatment is not available. Who will help arrange and pay for a medical evacuation?

5. If your sister-in-law becomes seriously ill and you choose to cancel your trip, what happens to your non-refundable deposits or pre-payments?

6. You arrive in Jamaica and your luggage doesn't. If it's lost, who will help you find it? If it's delayed, who will pay for your necessities? If it's stolen, who will pay to replace it?

7. Your cruise line, airline or tour operator goes bankrupt. Who will pay for your non-refundable expenses? Who will help get you to your destination?

8. You're walking down a street in Rio and twist your ankle. Who can help you find an English-speaking physician?

9. Three weeks before your scheduled arrival, a terrorist incident occurs in the city to which you are planning to visit. Who will pay if you want to cancel your trip?

10. You are at a beach resort in North Carolina, and you are forced to evacuate due to an approaching hurricane. Who will help you evacuate and who will reimburse your lost vacation?

Many feel travel insurance is worth the cost

MISSISSAUGA, October 15, 2003 - An RBC Insurance/Ipsos-Reid study shows that while 84 per cent of Canadians believe buying travel insurance is worth the cost for their peace of mind on their vacation, only 60 per cent of people who travelled outside Canada or the U.S. in the past three years actually purchased travel insurance.

"Emergencies can happen at any time, even to the most well-prepared traveller," said Stan Seggie, president and CEO of the travel insurance division of RBC Insurance. "Travel insurance is designed to provide coverage for everything from trip cancellation and interruption to emergency medical assistance and baggage loss. It can really help ensure one bad experience does not ruin your trip or leave you with extensive unforeseen costs to cover."

I.I.I. Provides Tips for Purchasing Travel Insurance

NEW YORK, August 9, 2005 - Travel insurance provides financial protection for pre-paid vacations in the event of sudden illness, a catastrophic hurricane or even a terrorist attack, says the Insurance Information Institute (I.I.I.).

“If a hurricane destroys your vacation destination, you can purchase insurance coverage to protect your financial investment in the trip,” says Jeanne M. Salvatore, senior vice president and consumer spokesperson for the I.I.I. “There may also be coverage if there is a terrorist incident within 30 days of departure to the city you are traveling to or the city where you are departing from, travel insurance will provide financial protection.”

Policies can also provide insurance protection if you need to cancel your trip in the event you are seriously injured or the cruise or tour operator goes bankrupt. Specific travel related coverages can be purchased or bundled together as a package, points out the I.I.I.

Following is a list of the three major types of travel insurance:

Trip Cancellation Insurance

This reimburses you if the cruise line or tour operator goes out of business. It also provides coverage if you have to cancel a trip due to sickness, a death in the family or another type of disaster listed in the policy. In addition, if you or an immediate family member become seriously ill or injured during the trip, most policies reimburse you for the unused portion of the vacation. Often this type of coverage also provides protection if your baggage is stolen. The cost is generally five to seven percent of the price of the vacation, so a $5,000 trip would cost roughly $250 to $350 to insure.

Trip cancellation insurance is very different from the cancellation waivers that many cruise and tour operators offer. Waivers are relatively inexpensive, costing approximately $40 to $60. They provide coverage if you have to cancel the trip, but they have many restrictions.

For example, waivers must be purchased when you book the trip and they will usually not cover you immediately before departure (the time period during which most people cancel) or after the trip has begun. Most importantly, waivers are not insurance. Cancellation waivers are not regulated by the state department of insurance, so if your tour or cruise operator gets into financial difficulty you may not be able to collect.

Emergency Medical Assistance and Evacuation

This provides insurance and medical assistance for travelers. For example, it would cover you if you had to be airlifted to a hospital due to a hiking accident, or if you had to stay for a prolonged period of time in a foreign hospital. It also provides coverage if you get seriously sick or injured and need to be flown to a better medical facility than is available where you are vacationing.

Before purchasing this type of coverage, check with your own health insurance carrier to find out what type of coverage you already have when traveling abroad and whether there are any limits. Also, ask if the policy will pay to fly you home or to a country with first-rate medical care.

Accidental Death

This provides a variety of coverages if you or a family member die on the trip. Generally, if you have a good life insurance plan or have made other financial provisions for your loved ones, this may be duplicate insurance, so check that you actually need it before purchasing accidental coverage.

“Before purchasing travel insurance, it is very important that you understand what disasters are going to be covered,” says Salvatore. “You need to ask yourself why you need the coverage. For instance, if your primary concern is that you may get sick or injured prior to the trip or after the trip has begun, make sure you understand how you would be reimbursed for this type of situation.”

The I.I.I. also suggests that you ask the following questions before purchasing travel insurance:

Is the travel insurance company licensed by the state insurance department where I live?

What disasters are covered and are there any restrictions?

Do I have coverage through a credit card or another insurance policy?

What type of assistance does the insurer provide in the event of a medical emergency or other disaster?

How is the reimbursement determined?

You can purchase travel insurance from a travel agent or directly from an insurer that specializes in this type of coverage.

Click here for more information on travel insurance.

The Insurance Information Institute is a non-profit, communications organization supported by the property/casualty insurance business. http://www.iii.org/.

MISSISSAUGA, March 9, 2005 - Canadians are planning much-anticipated vacations. While it's easy to get carried away in the excitement, keeping a few helpful hints in mind can make for a safer and happier vacation throughout the year.

If you are travelling outside Canada and have limited or no supplementary out-of-country coverage through a group plan or credit card, it is wise to buy an individual travel insurance policy.
When you need medical care while in another country, your provincial or territorial health insurance plan pays for the same services it covers when you are at home, at the same rate it pays for those services at home, and in Canadian dollars.
Moreover, if you extend your stay to more than six months, your government coverage may lapse (check with your provincial or territorial government to find out how long you can be away before losing your benefits).