TIO Travel Insurance Products

Fall-Winter Discount: Save up to 10% 

A fully refundable $50 deposit (per trip) locks in the discounted rates.
Deadline
: December 15th, 2022

Completed application and balance due prior to travel.

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TIO Exclusive Product
Underwritten by
Zurich Insurance Company Ltd.

Fall-Winter Discount - Save up to 10%
Ages   0-75 → Save 5% 
Ages 76-89 → Save 10% 

$5 million coverage for medical emergencies including COVID-19 

You are covered for COVID-19 whether you are vaccinated or unvaccinated, even while a travel advisory is in effect.

Risk Free: Cancel for any reason prior to travel
and get a full refund

Covers pre-existing medical conditions that have been stable in the 90 days prior to travel

$99 US deductible
(save up to 50% by selecting a higher deductible)

Retiree plans with $500,000 or more get $5 million in coverage beginning on your departure date when you top-up with 30 days or more of coverage

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TIO Exclusive Product
Underwritten by
Industrial Alliance Insurance and Financial Services Inc.

$5 million coverage for medical emergencies including COVID-19 

You are covered for COVID-19 regardless of vaccination status, for policies purchased as of October 4, 2022

Risk Free: Cancel for any reason prior to travel
and get a full refund

Additional benefits included with your retiree plans 

Daily rates allow you to pay for the exact number of days you require

Some of the lowest rates in Canada for persons with pre-existing medical conditions such as Diabetes, Cancer, Gastrointestinal issues and some lung conditions

Special coverage available for retiree plans

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Underwritten by
Industrial Alliance Insurance and Financial Services Inc.

$5 million coverage for medical emergencies including COVID-19 

You are covered for COVID-19 regardless of vaccination status, for policies purchased as of October 4, 2022

Trip Cancellation, Trip Interruption, and Baggage Coverage available

Offers coverage for pre-existing medical conditions that have been stable 7 days prior to travel

Some of the lowest rates for persons age 40 and under

Includes TuGo 'MyFlyt' which offers the choice of an airport lounge pass or cash payout when your flight is delayed by 2 or more hours


TuGo

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Underwritten by
Blue Cross Ontario

$5 million coverage for medical emergencies including COVID-19 

You are covered for COVID-19 whether you are vaccinated or unvaccinated, even while a travel advisory is in effect.

Blue Cross is available in Ontario, Quebec, and the Atlantic Provinces

Excellent coverage for persons with multiple pre-existing conditions that are stable in the 6 months prior to travel

Includes 'Flight Delay Service,' which provides a range of benefits if your flight is delayed, including compensation or free access to an airport lounge or a hotel room for long delays


Blue Cross

TIO Travel Insurance Plans