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 Guarantee. Should 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.
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.
5 REASONS WHY WE HAVE THE BEST REFUND POLICY IN CANADA
No service charges or administration fees: We're here to help. You will never pay extra for our services.
Changing your travel dates: You may change your travel dates as often as necessary and not incur a penalty.
“No Questions Asked” medical policy refunds: Cancel for any reason prior to travel and get a full refund.
Returning to Canada early: If you are claim-free, you will get a full refund on the unused days of coverage.
No minimum refunds: If you come home earlier than planned you will get a full refund for any unused days.