TIC is one of Canada’s biggest travel insurance companies. TIC only sells travel insurance – they’re not a bank or general insurance company.

While many Canadians might not know the company by name, TIC underwrites a lot of well known insurance companies and bank travel insurance in Canada, including CIBC. TIC was established in 1970, with company headquarters in Toronto.

TIC offers four main types of travel insurance:  insurance for traveling Canadians, plans for visitors to Canada, international student insurance, and plans for expatriates.

Policies and coverage can change at any time, without warning. This article is only intended as general advice. Please check your own policy carefully.

Advantages

  • You’re getting travel insurance from a specialist, since TIC only sells travel insurance, not other types of insurance or bank services
  • TIC will insure Canadians of any age for travel medical plans

Disadvantages

  • There’s no easy way to purchase travel insurance directly from TIC. You must buy through an insurance agent, or through a comparison site like Kanetix.ca.

Travel Medical Insurance for Canadians

TIC emergency hospital and medical insurance is designed for Canadians traveling outside of their home province or territory, or outside of Canada. You must be a Canadian resident, and be insured under a Canadian government health insurance plan.

TIC travel medical insurance offers:

  • up to $5 million in emergency medical coverage
  • single trip or multi-trip plans
  • multi-trip plans are available in 8, 15, 35, 65, and 105-day increments
  • all inclusive plans (which include trip cancellation and other perks)
  • access to emergency assistance in multiple languages, 24/7
  • a wide variety of specialty plans and prices, including non-USA plans, plans for visitors to the USA, basic and select multi-trip plans, and stand-alone trip cancellation plans

Visitors to Canada

These plans offer health care insurance for non-Canadians during their visit to Canada, or for Canadians who aren’t insured under a Canadian government health insurance plan.

Visitors to Canada plans offer:

  • emergency hospital and medical coverage (total dollar coverage varies, depending on the amount of coverage you select)
  • access to emergency assistance in multiple languages, 24/7
  • purchase before or after arrival in Canada
  • family rates
  • plans that offer trip interruption and flight accident insurance

International Student Plans

TIC’s international student plans are aimed at international students attending school in Canada, temporary residents of Canada,  and students staying in Canada to work in their field of studies for up to one year after graduating.

International student plans offer:

  • emergency hospital and medical coverage (total dollar coverage varies, depending on the amount of coverage you select)
  • access to emergency assistance in multiple languages, 24/7
  • coverage varies, depending on the type of plan you choose

Expatriate Plans

Global Expatriate Insurance from TIC is geared at Canadian residents living outside of Canada,  Canadians not covered under government health plans, non-Canadians working abroad for Canadian companies, or seasonal workers in Canada. Canadian government health insurance is NOT required to be eligible for these plans.

Expat plans offer:

  • up to $1,000,000 in emergency medical coverage
  • access to emergency assistance in multiple languages, 24/7
  • benefits like eye exams, maternity, accidental dental, and return home coverage

You Need to Know

  • You must be a Canadian citizen, and have a Canadian government health insurance plan to be covered under TIC’s travel insurance for Canadian residents
  • Canadians must buy insurance before leaving on a trip. World Nomads is the only insurance company we’ve found that will let you buy travel insurance after you’ve left on vacation.

How To Buy

You can’t buy TIC’s products directly from the TIC itself. You must go to a travel insurance agent to get a quote from TIC, or you can get a quote and purchase online through Kanetix.ca.

Want to Compare TIC’s Rates?

Since TIC only sells travel insurance through agents, the quickest way to get a quote and compare TICs rates with other companies is to use a comparison website.

Comparison websites, like Kanetix.ca, let you compare quotes for travel insurance from several different companies at once. Type in a few details about your trip, and compare policy coverage and prices to help narrow down your choice. Check out our review of Kanetix.ca.

By: Kanetix Travel Insurance

*As always, the information in this post is from one Canadian traveller to another and please remember, we are not travel insurance agents. We have just spent years abroad and have gotten to know the ins and outs of the industry. If you have any travel insurance questions, please talk to a qualified travel insurance agent or broker. Finally, insurance plans can and do change all the time so always consult your insurance policy since that is the legal document to which you are agreeing to.