About Us

5 Reasons to Choose Travel Insurance Office Inc. (TIO)

  1. Longevity: Over the past 30 years, we have insured thousands of snowbirds and travelling Canadians.

  2. Trust: Our clients renew with us each year and recommend us to their family and friends.

  3. Choice: We offer a full range of products including Travellers Choice & T.I.M.E which are only available from us.

  4. Savings: Due to our sales volume, we get better deals so when we save, you save.

  5. Benefits: Our products offer deluxe coverage including benefits not found in some “snowbird” plans.

5 Reasons Why Our Customer Service is the Best

  1. Access to live agents: No phone menus or buttons to press - speak with a live agent!

  2. Live chat: You may chat with one of our agents on our website for quick answers and support.

  3. Experience: Our licensed agents are well trained and will answer all your questions.

  4. Guaranteed same-day service: All documentation is mailed the same day we get your application.

  5. Safe, secure, user-friendly website: Get a quote, make a deposit/purchase, download documents, and more!

5 Reasons Why We Have the Best Refund Policy in Canada

  1. No service charges or administration fees: We're here to help. You will never pay extra for our services.

  2. Changing your travel dates: You may change your travel dates as often as necessary and not incur a penalty.

  3. “No Questions Asked” refunds: You may cancel for any reason prior to travel and get a full refund.

  4. Returning to Canada early: If you are claim-free, you will get a full refund on the unused days of coverage.

  5. No minimum refunds: If you come home earlier than planned you will get a full refund for any unused days.

Our History & Our Promise

Our history

We began serving travelling Canadians in 1991, when each of the Provincial and Territorial governments announced that their Government Health Insurance Plans (GHIP) would no longer cover 100% of out-of-country emergency medical costs. We were one of the first companies to offer medical insurance to Canadians who wish to travel with sufficient coverage for an unexpected medical emergency.

In the early 1990’s there was little understanding of travel medical insurance and our company was the first to inform the public by introducing the “Canada-USA Medical Insurance Newsletter” in 1992.

Our President was a founding member of the Travel Health Insurance Association of Canada (THIA) in 1998.

Our promise to you

We will always strive to meet your needs and earn your respect. We developed a consumer-friendly website and an easy-to-use online application. We created easy-to-read insurance brochures, applications and policies. We recognized the need for superior customer service and achieved this goal early in the 1990’s. We have maintained a standard of excellence for 30+ years, that we have been told by our clients, is unmatched in the industry. Each year, thousands of clients renew their coverage with us and many of them refer their family and friends.

If you call us, you will not hear a menu and have to press a series of buttons to talk to an agent. We dislike phone menus as much as you do, so why should we ask you to suffer through them? When you call during business hours your call will be answered by an agent. If all of the agents are taking other calls, we will give you the option of waiting for the next available agent or leaving a message that will be returned promptly.

Our company has been serving travelling Canadians since 1991. Our employees are extremely dedicated to the company, and on average, have worked for the company for 10+ years. They are well-trained and have direct contact with the underwriters. They are the "front line" in listening to consumers, obtaining feedback, and have consequently made many excellent suggestions to improve both our products and quality of service.

We thank you for the opportunity to serve you, and wish you good health and safe travels.