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Proudly founded, owned, and operated in Canada since 1991

Eh to Zed

Canadian Through & Through, From

Our Travel Insurance Products

We offer a number of excellent products (two exclusive to TIO), which provide world-wide coverage, competitive rates, deluxe benefits, specialty coverage options. All policies include a minimum of $5 million coverage, per person, for medical emergencies at no extra cost.

Travellers Choice logo
TIME logo
TuGo Logo
Blue Cross Logo
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Travellers Choice

Ideal for those who are:

  • Ages 0-89

  • Below age 76

  • In excellent health

  • Require a 90 day (3 month) stability period

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TIO Exclusive Product

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T.I.M.E

Ideal for those who:

  • Are age 90 or over

  • Are under age 54

  • Only have one pre-existing condition

  • Are looking to top up Retiree Plans

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TIO Exclusive Product

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TuGo

Ideal for those who:

  • Require a 7-day stability period

  • Age 90 or over

  • Under age 40

  • Are looking for:

    • Sports & Acitivities Coverage​

    • Trip Cancellation

    • Trip interuuption

    • Baggage Coverage

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Blue Cross

Ideal for those who:

  • Are over age 89

  • Have multiple pre-exisiting conditions

  • Have lung conditions 

  • Looking for a multi-trip/annual plan

  • Want an automatic $0 deductible

Excellent
Customer Service

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

  2. No administration fees or service charges:
    You will never pay extra for our services.
     

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

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

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Why Choose TIO?

Best Refund Policy in Canada

  1. 'No Questions Asked' policy: 
    Cancel for any reason prior to travel and get a full refund.
     

  2. Full refund for any unused days:
    If you are claims-free, you will get a full refund for any unused days of coverage.
     

  3. No minimum refunds:
    There are no limitations on refunds, you get every penny back - even just one day!

Experts in Our Industry

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

  2. Experience: Our agents are licensed, meticulously trained, and have up to 30 years of experience helping travellers
     

  3. Choice:
    We offer a range of products including our two exclusive products, Travellers Choice & T.I.M.E
     

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

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