Pre-existing Coverage
Sickness, injury or medical condition requires no medical consultaion, prescription medication, medical treatment or hospitalization within 180 days preceding the effective date
Waiting Period
48 hours waiting period
Deductible
$50 deductible per claim; 5% savings for $100 deductible; 10% savings for $250 deductible
Air Flight & AD&D
AD&D up to sum insured
Medical Questionnaire
Age 70-79,requires and approved in writing by TIC; age 80 or over, requires and approved in writing by TIC
Travel Outside of Canada
Cover anywhere traveling except own country, provided more than 50%time in Canada
Cancellation
$10 for full refund; $25 for partial refund; Net amount less than $10 will not be refund
Follow up Visit
Up to 3 follow-up visits
Minimum Premium
$25
Claim
Request physician signature and report
Special Features
N/A
Extension
Process online if there is no previous claim