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.
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At a Glance ...
Travel Insurance Office Inc. (TIO) Exclusive Product
TIO Risk Free Guarantee:
Cancel for any reason prior to travel a get a full refund
Worldwide coverage (both in and out of Canada)
Some of the lowest rates in Canada for persons with heart conditions, lung conditions, Diabetes, Cancer, and Gastrointestinal issues
Deluxe benefits at affordable rates
24/7 Emergency Assistance
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 50% off the premium with a higher deductible!
See brochure for all deductible options.
Save with
Optional Deductibles
If you suffer a medical emergency while you are out-of-country you may return to Canada for your medical care.
If you are returned to Canada this benefit covers the cost of one-way economy class airfare for:
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Travelling companions under age 18, or physically or mentally handicapped and reliant on you for assistance
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An attendant to accompany travelling companions
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One accompanying family member
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 (including semi-private room)
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Dog and cat return (ensures your furry friend makes it home with you)
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Dental emergencies and pain