top of page


At TIO we believe you should get every penny back for the portion of a medical policy you didn't use. That's why we created the TIO Risk-Free GuaranteeShould you need to cancel your policy prior to travel or in you return early from your trip you will recieve a full refund for unused days. As always, there are no administration fees or service charges.  

Please note:
No refunds are available if you have had a claim or if a claim is pending

No refunds are available for annual plans that have gone into effect

All TIO medical policies come with the TIO Risk-Free Guarantee, which offers a full refund if you cancel for any reason prior to travel. What this means is as long as you have not yet started traveling/began your trip you can contact us and cancel your policy and receive a full refund for the policy you purchased; no questions asked.


  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” medical policy refunds: 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.

bottom of page