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Be Aware of Administration Fees and Service Charges

When buying travel insurance don’t forget to account for the possibility of incurring administration fees and service charges. Last season, some brokers that sell traditional “snowbird” products, imposed administration fees for extending coverage, obtaining refunds, and did not give any refunds for between 1 to 9 unused days of coverage.

Many brokers compete to get your business as early as July and August and expect you to provide your travel dates often well in advance of when you plan to travel. If your plans change they impose an administration fee or a service charge. How many people know their exact travel plans when they are not travelling for another few months?

Travel Insurance Office Inc. (TIO) understands your plans may change and we will never impose penalties. At TIO there are no administration fees and no service charges.

Our promise to you:

Payment Convenience

TIO offers unlimited flexibility. You may submit your application and premium just prior to travel when you are more likely to know your travel plans.

Changing your coverage

You may change your travel dates as often as you need and never incur a charge or penalty for doing so.

Extending your coverage

You may extend your coverage by however many days you require, however many times you need, if your travel plans change; as long as you have not had a claim.

Full refund

Prior to your departure date you may cancel your travel medical policy for any reason and get a full refund. You do not require a doctor’s letter because we understand most doctors charge fees to provide letters.

Partial refunds

If you return to Canada earlier than planned and have not had a claim, and there is no claim pending, you can get a refund for the unused days of coverage. Even if you return as little as one day earlier than planned you can get a refund. Simply provide a receipt from a Canadian retailer (ex. grocery store, gas station, etc.) that shows the date you returned to Canada and we will give you a refund.


TIO will never penalize you if your plans change
TIO will never make you pay for the service we provide.

We are here to make your travel experience a safe one and a great one. With a team of experienced licensed agents, we are here to help with anything you need.

Have Questions? Need Information?


Have you had to pay unnecessary administration fees or service charges?

  • Yes, it's very frustrating

  • No, thankfully

  • I'm not sure, but I'm going to keep my eye out for them


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