Travellers Choice
Travellers Choice medical insurance is an exclusive product only offered by Travel Insurance Office Inc. (TIO) and is underwritten by The Manufacturers Life Insurance Company (Manulife). It provides $5 million USD 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 in excellent health and persons age 76 and over.
Deluxe benefits at affordable rates
24/7 Emergency Assistance
Product Features
'Hover' and discover what Traveller's Choice has to offer ...
$5 Million USD 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 days prior to the date coverage begins.
Coverage for Pre-Existing Medical Conditions
Do you have a retiree plan with a minimum of $500,000 in out-of-country coverage?
Top up with 30 days or more, from Travellers Choice, and your retiree plan maximum is increased to $5 million USD.
Don't let your retiree plan or credit card limit you, have your top-up coverage begin the day after your other coverage ends and extend your trip.
Have a Retiree Plan?
Get Bonus Coverage
When you Top-Up
There is a standard $99 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 5-day, 15-day, 25-day, or 35-day annual plan.
Annual plans cover the first 5, 15, 25, or 35 days (based on the plan you selected) of every trip you take out of Canada. You may extend your annual plan if your trip is longer by simply 'topping-up' your coverage.
Annual plans include unlimited trips within Canada for 12 months (outside of your home Province or Territory).
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