Travel Insurance - medical insurance, covering all medical expenses that may incur during a trip abroad, regardless of trip purpose.

Even the permanent residents of Canada have no choice but to buy insurance when travelling: the government only covers a very small portion of your costs that may arise from a general health problem or an unfortunate accident. Government website strongly encourages people to buy their own insurance, which will cover all medical costs. Such insurance usually offers between 2 and 5 million dollars in medical costs.

First, I would like to explain to you what this insurance covers.

Insurance company will reimburse any expenses, related to an unforeseen hospitalization or an unforeseen treatment not covered by OHIP, for the amount of up to2 million dollars.

On top of that, below is the list of other services covered with the plan.

• Out-of-Pocket Allowance. While you are in hospital, other insured family members or travelling companions remaining with you will he reimbursed up to $3,000 for reasonable living expenses.
• Family Transportation. Upon written recommendation of your attending physician, TIC will pay up to $3,000 to bring a family member or close friend to your bedside.
• Return of Family Member. Pays up to $3,000 to return one insured accompanying family member home if you have been returned to Canada by air ambulance.
• Escort of Insured Children. TIC returns your children (up to age 18) home when you have been air evacuated back to Canada.
• Return of Vehicle or Watercraft. If you are disabled due to a covered Injury or sickness and cannot drive the vehicle, used for the journey, TIC will arrange and pay up to $3,000 to return the vehicle to you. If you are air evacuated, you can return to the location you were transported from.
• Return of Accompanying Dog or Cat. Pays up to $300 reimbursement in the event an Insured is hospitalized due to a covered risk for the cost of returning the Insured’s accompanying dog or cat to Canada when necessary.
• Return of Deceased. In the event of death due to a covered injury or sickness, reimbursement of up to $10,000 is provided for the homeward carriage of your body or up to $4,000 for the cremation or burial at the place of death.
• Accidental Dental. Up to $3,000 is payable for repair or replacement of whole or sound natural teeth caused by an accidental blow to the face.
• Dental Emergencies. Benefits will he paid up to $500 for the immediate relief of acute dental pain caused by other than a blow to the face.
• Air Ambulance. If assessed as medically transportable, TIC will arrange for emergency air ambulance to a hospital in Canada or the nearest hospital.

Below are prices for travel insurance with TIC (Travel Insurance Coordinators) and 21st-Century Travel Insurance Limited. These companies usually offer a better price than others. TIC (Travel Insurance Coordinators) offers best prices most of the time, while 21st-Century is more interesting in family travel cases, children are covered for free (children under 21 years).

Insurance prices for travelers to America offered by TIC.

Insurance prices for travelers to anywhere other than USA offered by TIC.

For those, who plan to use such insurance for the first time, we recommend calling our office so we can tell you in a little more detail about this program. We would be glad to answer all your questions.

Below are the prices offered by 21st-Century Travel Insurance Limited. To calculate total for the whole family for one day, take the price, found in the table for the oldest family member, multiply that by two. You can now take that amount and multiply that by number of days you will be travelling and you will get your final cost (here are no taxes).

You can create such a contract by phone or in person.

Prices for people travelling to America.

Prices for travelling anywhere outside America.

If you can not find prices for your age group, give us a call and we will help find out the price and create an insurance program. For elderly people there are extra considerations that need to be addressed. For example how to include larger health problems into you coverage, so that in case that problem gets worse during the trip insurance company covers your expenses. In cases like this you need to speak to a specialist, call us and we will help you.

There are also special offers for school trips, sports teams, clubs and federations.

If somebody travels often, it makes sense to get an annual insurance coverage - It will still be good price. Prices are shown in the table.

This insurance is very interesting not only for those who travel often, but for example, specifically, truck drivers, who constantly cross the border.

For a 39 year old, going to America for vacation, 1 day of such coverage will cost $2.10 per day. For a truck driver, same age, leaving for America for a period of less than 8 days per trip insurance plan only costs $42. In other words, no matter how often the insured person goes across the border, as long as the trip is under 8 days he/she will be insured on every one of those trips. If the trip is more than 8 days, the insurance will cover the first 8 days of the trip and then the other days have to be insured separately.

I can always answer your questions by phone or in person.

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