Sunday, December 7, 2008

Claim story from Travel Underwriter

Take, for example, the case of a 55 year old Travel Underwriters claimant from Lynton, Alberta. While working at his winter home in Mesa, Arizona, he amputated three fingers with a band saw and required immediate emergency medical attention. He was rushed by ambulance to the local Valley Lutheran Hospital, where medical staff performed surgery to reattach his fingers.

His travel insurance plan covered the cost of surgery, his three-day stay in the hospital afterwards, as well as the ambulance service and necessary prescriptions upon release. Not only were the medical expenses covered, his Travel Underwriters insurance policy also covered the $1,600 return of his vehicle by a commercial agency to Canada, since he was unable to drive back. The total claim amount was in excess of $39,000 USD, with only $400 CAD being covered by his government health insurance.

A claim example like this is a perfect way to understand the concrete value and peace of mind that comes with purchasing travel insurance.

Looking for a few more claims examples? It will come. Meantime, please take a look at the Travel Insurance site. That would give you an idea about cost of the Travel Insurance.

Warmest regards,

Saturday, November 15, 2008

More Countries Want Canadian Travellers

Maybe it’s our reputation for being polite, conscientious travellers. Moreand more countries are targeting Canadians according to a report issued by the Conference Broard of Canada.

The repot showed that outbound travel in Canada is up nealy 10% since 2004, even after scares like 9/11, SARS and wars. Part of the increase in travel could be due to shifting Canadian demographics, as Canadian travellers are getting older. Canadians over 50 make travel a strong priority in their lives and they certainly aren’t afraid to leave the country.

“A decade ago, courtiers like China, Vietnam and South Africa were not actively marketing themselves in Canada as tourist destinations,” states the report. Now more than 100 countries target the Canadian outbound leisure market.

Canada also remains a popular destination for international travellers as well. The World Economic Forum recently ranked Canada as one of the top ten best nations to visit. Their Travel and Tourism Competitiveness Index gave us high scores for transportation infrastructure, health and education.

Who leaves Canada?

Yes, apparently some people do leave our fine country for greener pastures. A Stats Canada report shows that only one person out of every 1000 actually leaves Canada to make a life elsewhere – quite a low number. Of those who leave, most don’t return. But this is changing. Most people who leave are coming back.

For those who return to Canada, TIC’s Global Expatriate Hospital & Medical Plan covers them while they wait for their provincial medical health plan to activeate.

So who leaves Canada?
The typical person is:

・ Living in Canada during a recession or period of economic stagnation.
・ Aged 25- 34
・ Living in a city or urban area
・ Makes over $100,000 a year

The study also noted that Francophone Quebecers had by far the lowest departure rates, while Anglophone Quebecers had the highest.

You need travel insurance anyway.

Monday, June 9, 2008


Just because you have a pre-existing medical conditions doesn’t mean you have to travel without coverage. TIC’s medical underwriting program offers flexibility because we underwrite each individual based on his or her own set of medical conditions.

Most companies group you into categories. For example, they might put everyone with a heart condition in category A. If something happens while on vacation and you make a claim, the company then checks to see if you can be covered. In other words, you’re not entirely sure what you’re covered for.

Our medical underwriting program is different. We cover each person individually and state explicitly what he or she is covered for. When you travel, you know exactly what you’re getting.

That’s not all we do better. We give travellers the choice of which conditions they want covered. For example, if you have a heart condition and arthritis, we can offer you coverage for both of these conditions, one of these conditions, or neither of these conditions. We think it’s better to work with the customer individually by offering more choice and better prices.

Tuesday, February 26, 2008


It’s our business to help

Imagine a simple vacation turning into a nightmare. That’s what happened to Roy (not his real name) who thought a visit to his sister in sunny Australia would give him plenty of time for surf and sand.

One day at the local beach, Roy dove into shallow water and didn’t come back up. His friends pulled him out of the water and discovered that he couldn’t move his limbs. He was airlifted to a hospital in Perth and diagnosed with a broken neck. Roy was suddenly a quadriplegic.

Roy’s brother-in-law quickly phoned TIC. Our travel assistance department contacted the hospital and received the necessary paperwork so they could guarantee coverage for Roy. Our travel assistance evening staff constantly communicated with the family members here in Canada, updating them on Roy’s condition.

His parents were the most concerned. They booked tickets to Australia to be with their son and our case manager told them that Roy’s admission to hospital was entirely covered. They wouldn’t have to worry about money and could concentrate on helping their son during this difficult time. The case manager told them about the Transportation of Family or Friend benefit and how they could claim out-of-pocket expenses.

Although the hospital in Australia thought Roy would have to stay for six weeks, his parents wanted their son back in Canada as soon as possible.

Our medical consultant remained in constant communication with the treating doctors. After two and a half weeks, our assistance team received the okay from the Australian doctors and began making arrangements to get Roy back to Canada quickly and safely.

But the family faced more problems. Roy didn’t have a family doctor, so it wasn’t easy to find a hospital to take him. Through heard work TIC managed to get him a bed in Vancouver General Hospital’s spinal unit – exactly where his parents wanted him.

Stretcher transport is no longer allowed in North America but our travel assistance team still figured out a way to get him back to Canada. He flew a stretcher trip on an airplane from Australia to Los Angeles. In LA, an air ambulance returned him back to Vancouver.

His mother has MS and she couldn’t fly back with him. Roy’s parents stayed in Australia while their son was being transported to the other side of the world. Our travel assist team stayed in constant communication with his parents, updating them on his progress.

In the end, TIC got Roy home before Christmas, just three weeks after the accident. His parents were extremely happy and grateful. In a life-changing accident like this, it makes an enormous difference when you have professionals working on the hospital details and travel arrangements. Roy and his parents had enough to worry about and we happily did everything we could to relieve some of the burden. Apply online at

Thursday, January 31, 2008

Educating Students About Travel Insurance

As the weather brightens and the days get longer, many students put away their books and take out their suitcases. The Canadian Federation of Students has over half a million members throughout the country, many of whom travel on school trips, reading week breaks and family visits.

Students can financially protect themselves from medical emergencies with our Emergency Hospital & Medical insurance for Canadians. They are covered for up to $2 million for emergency hospitalization and medical services, and $3,000 toward transportation for a family member or friend, so worried parents can be by their side during recovery when required. Of course students are also covered for emergency dental expenses, the return of a travelling companion and emergency transportation.

International students studying in Canada can receive up to $500,000 coverage for sickness or injury occurring in Canada including ambulance charges, rental of crutches or wheelchairs, and the services of a licensed physiotherapist. They are also covered for the costs of returning home due to an insured sickness or injury, dental emergencies and an annual eye examination.

Young people often think that travel insurance is better for older travelers like their parents. The truth is that insurance is a good idea for anyone travelling outside of where they normally reside. Students already have enough financial pressures in their young lives. They don’t need the stress of exorbitant hospital and medical bills as well.

For more information about travel insurance for students, visit our web site at