Travel Insurance Made Easy
(T.I.M.E)
TIME is an exclusive product only offered by Travel Insurance Office Inc. (TIO) . It provides $5 million CAD coverage (per person) for medical emergencies incurred unexpectedly during the period of coverage.
At a Glance ...
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Plan Maximum: $5 Million CAD (per person)
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Deductible: Standard $250 USD per claim (save up to 35% with a higher deductible)
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No Age Limits: Coverage available for travellers 90+
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Plans Available: Single Trip, Multi-Trip Annual, and Family Plans
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Pre-Existing Conditions: Coverage available based on your qualifying plan
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Ideal For: Travellers with only one medical condition
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Top-Up Coverage: Available for eligible retiree plans
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Refunds: Claim-free refunds for unused coverage days
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Exclusive: Only available through Travel Insurance Office Inc. (TIO)
Product Features
'Hover' and discover what T.I.M.E has to offer ...
$5 Million CAD Coverage for Medical Emergencies
Any medical emergency related to a pre-existing medical condition will be covered as long as the condition is stable in the 90 or 180 days prior to the date coverage begins (depending on your plan).
Coverage for Pre-Existing Medical Conditions
Do you have a retiree plan with a minimum of $500,000 in out-of-country coverage?
Retiree plans with limited lifetime maximums are protected up to $250,000
Retiree plans providing $500,000 or more, will be upgraded to $5 million in coverage beginning on your departure date when you top-up with 30 days or more of coverage
Have a Retiree Plan?
Get Bonus Coverage
When you Top-Up
There is a standard $250 USD deductible per claim. Thanks to our deductible options, you can choose as low as a $0 deductible OR you can save by taking a higher deductible
Did you know ...
You can take up to 35% off the premium with a higher deductible!
See brochure for all deductible options.
Save with
Optional Deductibles
If you return to your province/territory of residence for continued medical care, this benefit covers the transportation cost of returning:
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You/the insured
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One travelling companion, and
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A medically necessary attendant, if required.
All Emergency Return Home transportation arrangements must be authorized in advance by the Assistance Company.
Return to Canada for
your Medical Care
If you plan to travel frequently in a 12-month period, consider purchasing a 8, 17, or 32-day annual plan.
The 8-day, 17-day, or 32-day annual plan covers the first 8, 17, or 32 days of every trip you take outside Canada within a 12-month period
Coverage includes unlimited travel within Canada (outside your province/territory of residence) for all trips within a 12-month period
Optional Annual Plans
for Multi-Trips
Enjoy a variety of deluxe benefits including, but not limited to:
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Ambulance services (land and air)
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Remote location medical evacuation
(ex. cruise ship) -
Hospital accommodation
(up to semi-private room) -
Repatriation of remains
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Vehicle return
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Dental emergencies and pain