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Plans for Expatriates

When travelling outside of your home country, your government health care plans don't travel with you. Health care costs are very expensive. Hospitals can charge thousands of dollars per day, with many charging a non-resident fee to patients not covered under a government health insurance plan.

Global Expatriate Insurance from TIC helps protect you and your family from unexpected costs due to a medical emergency while travelling. We will be there to make certain you get the care you need.

Ideal if you are a:

  • Canadian residing outside of Canada
  • Canadian returning to reside in Canada and awaiting coverage under a government health insurance plan
  • Non-Canadian residing in Canada and awaiting coverage under a government health insurance plan
  • Non-Canadian working abroad for a Canadian company
  • A seasonal labourer or immigrant residing in Canada while you work

Features and benefits

  • Up to $1,000,000 in Emergency Hospital and Medical coverage
  • 24/7 access to multi-lingual emergency assistance
  • Emergency Transportation
  • Ambulance Services
  • Other benefits such as Return Home, Eye Examination, Maternity Benefit and Accidental Dental

The following is a summary of coverage included per insured person. For information on other available coverages, please go to the 'Other Plans' section.

Basic Plan sum insured $100,000
Accidental Dental up to $3,000
Ambulance services (land, air or sea) up to the sum insured
Chiropractor not to exceed $1,000
Cremation at place of death $4,000
Dental Emergencies up to $500
Dental surgical procedures up to $500
Diagnostics, lab tests and x-rays up to the sum insured
Drugs or medication not exceeding 90 days supply up to the sum insured
Emergency transportation up to the sum insured
Eye Examination once per year
Hospital up to the sum insured
Maternity benefit 80% of costs up to $25,000
Physical Examination once per year up to $200
Physician, surgeon, anesthetist, nurse up to the sum insured
Physiotherapist not to exceed $1,000
Podiatrist or Osteopath not to exceed $1,000 in total
Private duty nursing up to the sum insured
Psychiatrist up to maximum 10 visits per year
Purchase of splints, trusses, braces, prosthetic appliances up to the sum insured
Rental of wheelchair, crutches, hospital bed up to the purchase price
Return of deceased up to $10,000
Return Home up to $3,000
Select Plan sums insured $500,000 or $1 million
The following benefits are in addition to those offered under the Basic Plan:  
Accidental Death & Dismemberment up to maximum $10,000
Child Attendant up to maximum $500
Transportation of Family or Friend up to maximum $3,000
Vaccinations up to maximum $100

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