Question 1

Do I need travel medical insurance if I travel out of my home province to other provinces in Canada?

Accepted Answer

Yes, your Government Health Insurance Plan (GHIP) does not cover all of your medical emergency expenses, such as ground and air ambulance.

Question 2

If I forget to buy travel insurance before I travel, may I buy it while I am travelling?"

Accepted Answer

Yes, you may purchase coverage but there is a 48-hour waiting period before coverage goes into effect.

Question 3

Will my policy cover me?

Accepted Answer

If I have too many alcoholic drinks and fall resulting in a medical emergency such as a broken bone or bleeding requiring stitches, will my policy cover me? 
No, there is no coverage if you are sick or injured due to alcohol abuse or intoxication or the misuse of prescription drugs, over the counter medication or other intoxicants, either before or during your trip.
 
If I hang glide and/or parasail and get injured, will my policy cover me? 
To be covered for high-risk sports and activities, you have to add extra coverage to your policy. The cost depends on the type of sport or high-risk activity. There are three options available depending on what you plan to do. The optional high-risk sports and activities coverage is available with our TuGo product. You can read more about TuGo or get a quote here OR you may contact us toll-free at 1-800-550-1295 and speak witha  live agent.
 
If I get lost while skiing/snowboarding and need help being removed from the hill, will my policy cover me? 
Yes, you will be covered up to $5,000 for non-medical remote evacuation.
 
If I am on a cruise or in a remote area and have a medical emergency that requires that I be air lifted out of the area for medical treatment, will my policy cover me? 
Yes, you would be covered for a medical remote evacuation.
 
If I purchase a single-trip policy, worldwide excluding United States, and need to transfer through the USA to get to my destination, will my policy remain in effect? 
Yes, your policy includes up to 5 days of transit coverage in the United States.
 
I am a visitor to Canada. Is there a waiting period before I can be covered? 
No, there is no waiting period if you purchase coverage before arriving in Canada. If you purchase coverage after arriving in Canada, there is a 48-hour waiting period.
 
I am a visitor to Canada and plan to travel in Canada but would like to spend some time in the United States. Will my policy cover me if I have a medical emergency while in the United States? 
Yes, you will be covered as long as over half of the days of coverage you purchase are spent in Canada. The maximum number of days you may be out of Canada is limited to 30 days. For example, if you purchase a 15-day policy, you must spend a minimum of 8 days in Canada and the other 7 days may be spent out of Canada.

Question 4

Changing travel dates, cancelling, or extending my policy

Accepted Answer

If I have to change my travel dates, what should I do? 
Contact Travel Insurance Office Inc. by e-mail or phone prior to the effective date indicated on your Confirmation of Coverage to let us know your new travel dates.
 
If I have to cancel my policy because I cancelled my trip, what should I do? 
If you want to cancel your policy for any reason, e-mail or phone Travel Insurance Office Inc. to arrange your refund. You will receive a full refund if your policy is cancelled before the effective date.
 
How do I extend my policy? 
Call Travel Insurance Office Inc. (TIO) at 1-800-550-1295. You may extend your policy as long as it is still in force and you have not had a claim.
 
If I want to extend my policy but had a claim, may I extend? 
Call the phone number on your emergency wallet card and they will advise you if they could approve the extension.

Question 5

What is your refund policy?

Accepted Answer

At TIO we believe you should only pay for the days you purchased. Should you need to cancel your policy prior to travel or if you come  back from your trip earlier than expected, you can receive a full refund for all unused days of your policy. There are no administration fees or service charges. At TIO we will never charge you extra for the service we provide. We believe you should get every penny back for a medical policy you didn't use. That is why we created the TIO Risk-Free Guarantee.

In order to begin a refund please visit our Refunds page here

*Note: All TIO medical policies offer the TIO Risk-Free Guarantee provided you have not incurred a claim or have a claim pending.

Question 6

What do I do if I need to replace my emergency wallet card?

Accepted Answer

Call or e-mail Travel Insurance Office Inc. and we will send replacement cards to you by email.

Question 7

Are these considered treatment?

Accepted Answer

Is taking a pill for a condition considered "treatment"?
Yes, taking a prescribed medication for a medical condition is considered "treatment" for that condition.

I have been prescribed a puffer to be used on an "as needed basis." Is this considered treatment for a condition?
Yes. Any medication, including a puffer, which has been prescribed by a physician, even if you only use it occasionally, or you never use it, must be counted as a treatment for the condition for which it was prescribed.

I have been prescribed a medication that I never use (such as a puffer for asthma or allergies or nitroglycerine for angina). Is this medication considered treatment?
Yes, it is. Regardless of the fact that you may never use this medication, it has been prescribed to you because you were found to have the medical condition for which it is used to treat. Even if you never use it, you must count it as treatment for the condition for which it was prescribed.

I do not have high blood pressure because of the pill I take. Do I have to consider this as "treatment" when answering your medical questions?
Yes. You are taking that pill to keep your blood pressure at an acceptable level. You are being "treated" for high blood pressure.

Do I have to count Aspirin as a medication?
 Travellers Choice and Travel Insurance Made Easy do not count Aspirin or Entrophen as treatment.

Question 8

If I purchase the wrong plan, will my claim be covered?

Accepted Answer

If you have a claim and the underwriters determine that you purchased the wrong plan, your claim will be denied and your premium will be refunded. It is very important to make sure you answer all the medical questions correctly. If you are unsure of anything regarding your medical history you must check with your physician.

Proudly serving
Travellers for

35 Years

Travel Insurance Office Inc.

Frequently Asked Questions

Do I need travel medical insurance if I travel out of my home province to other provinces in Canada?

If I forget to buy travel insurance before I travel, may I buy it while I am travelling?"

Will my policy cover me?

Changing travel dates, cancelling, or extending my policy

What is your refund policy?

What do I do if I need to replace my emergency wallet card?

Are these considered treatment?

If I purchase the wrong plan, will my claim be covered?

Travel Insurance Office Inc.

Proudly serving Travellers for 35 Years

Frequently Asked Questions

Do I need travel medical insurance if I travel out of my home province to other provinces in Canada?

If I forget to buy travel insurance before I travel, may I buy it while I am travelling?"

Will my policy cover me?

Changing travel dates, cancelling, or extending my policy

What is your refund policy?

What do I do if I need to replace my emergency wallet card?

Are these considered treatment?

If I purchase the wrong plan, will my claim be covered?

Travel Insurance Office Inc.

Proudly serving
Travellers for

35 Years