Quotes include a 10% Fall Discount
Buy Now
If you buy now, your credit card will be charged the total premium due. Your Confirmation of Coverage, wallet cards, income tax receipt, and policy will automatically be sent to you by email.
Please allow up to one hour to receive the email and please check your junk/spam folders. You may request a paper copy free of charge by calling the office.
To buy now, click Continue.
Get a Quote with the option to save your Quote.
Your saved quote is valid until there is a change in the discount and/or the daily rate. When you save a quote, a personalized code will automatically be sent to you by email. You can use this code if you return to this website to make a purchase.
To get a quote with the option to save your Quote or make a Purchase, click Continue.
Complete your Purchase
If you already made a deposit or saved a quote and want to complete your purchase now, enter the code you received, then click Continue.
Welcome!
Please review the medical questions and all pages of your application for the following applicant(s):
Applicant 1:
Applicant 2: NA
Get A Quote
Risk Free
- No obligation to purchase
- Full refund if you cancel prior to travel
- No admin fees or service charges
Eligibility Requirements (Persons Age 55+)
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1. Do you have a terminal illness or has your physician advised you not to travel?
Applicant 1Applicant 2
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2. Have you had coronary bypass surgery and, if so, was your most recent coronary bypass more than 12 years before your Departure Date?
Applicant 1Applicant 2
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3. In the 3 years before your Departure Date, have you:
a. been diagnosed with or received treatment (including medication) for 3 or more conditions in Table A ?
Applicant 1Applicant 2
b. had 2 or more heart attacks, strokes or mini-strokes (TIA)?
Applicant 1Applicant 2
c. had 2 or more heart surgeries (including angioplasty and stent)?
Applicant 1Applicant 2
d. been treated (including medication) for congestive heart failure?
Applicant 1Applicant 2
e. had kidney disease stage 3 or higher?
Applicant 1Applicant 2
f. had stage III or stage IV cancer or cancer that has metastasized?
Applicant 1Applicant 2
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4. In the 12 months before your Departure Date, have you:
a. been hospitalized for any condition(s) in Table A ?
Applicant 1Applicant 2
b. had any lung condition requiring home oxygen or prednisone tablets (except a one time usage of prednisone for up to 14 days in duration)?
Applicant 1Applicant 2
c. had chemotherapy, radiation therapy or any surgery for cancer (excluding the removal of skin lesions other than malignant melanoma)?
Applicant 1Applicant 2
Eligibility Requirements (Persons Age 0-54)
To be eligible to purchase:- You must have a valid Provincial Government Health Insurance card while traveling; and
- You must not have been diagnosed with a terminal illness; and
- You must not be currently under advisement from a physician not to travel
Medical Score Calculation
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Heart condition ( 3 Points )
Applicant 1Applicant 2
Any lung condition (other than a minor infection) requiring medication (including inhalers) prescribed for use on a daily basis ( 3 Points )
Applicant 1Applicant 2
High Blood Pressure requiring 3 or more medications (including a water pill) ( 3 Points )
Applicant 1Applicant 2
Diabetes treated with insulin ( 3 Points )
Applicant 1Applicant 2
Stroke or mini-stroke (TIA) ( 3 Points )
Applicant 1Applicant 2
Blood clots ( 3 Points )
Applicant 1Applicant 2
Peripheral vascular disease ( 3 Points )
Applicant 1Applicant 2
Aneurysm ( 3 Points )
Applicant 1Applicant 2
Alzheimer’s or dementia ( 3 Points )
Applicant 1Applicant 2
Parkinson’s ( 3 Points )
Applicant 1Applicant 2
Liver disease/disorder (includes fatty liver) or pancreatitis ( 3 Points )
Applicant 1Applicant 2
Kidney stones or disease ( 3 Points )
Applicant 1Applicant 2
-
Any lung condition (other than a minor infection) requiring medication (including inhalers) prescribed for use on an as needed basis (do not score 1 point if you scored 3 points for the lung condition in Table A) ( 1 Point )
Applicant 1Applicant 2
Diabetes treated with medication other than insulin (do not score 1 point if you scored 3 points for diabetes treated with insulin in Table A) ( 1 Point )
Applicant 1Applicant 2
High Blood Pressure requiring 2 medications (including a water pill) ( 1 Point )
Applicant 1Applicant 2
Seizure(s) ( 1 Point )
Applicant 1Applicant 2
Cancer (excluding the removal of skin lesions other than malignant melanoma) ( 1 Point )
Applicant 1Applicant 2
Diverticulitis/Diverticulosis or Irritable Bowel Syndrome ( 1 Point )
Applicant 1Applicant 2
Any gastro-intestinal disease, disorder, bleed, abscess, infection, or ulcer disease (excluding acid reflux ) ( 1 Point )
Applicant 1Applicant 2
Bowel obstruction or bowel surgery ( 1 Point )
Applicant 1Applicant 2
Ulcerative colitis or Crohn’s disease ( 1 Point )
Applicant 1Applicant 2
Gallbladder disease or gallstones (unless your gallbladder has been removed) ( 1 Point )
Applicant 1Applicant 2
Fainting or syncope or sought treatment for a fall ( 1 Point )
Applicant 1Applicant 2
Has it been more than 3 years since your last complete Medical examination (Physical) with a Physician?
Applicant 1Applicant 2
-
Have you used tobacco in the past 3 years ?
Applicant 1Applicant 2
- Total Score :
- Plan Qualification :
- Stability Period : This plan covers emergency treatment for pre-existing medical conditions that were stable in the days prior to your effective date.
- Total Score :
- Plan Qualification:
- Stability Period : This plan covers emergency treatment for pre-existing medical conditions that were stable in the days prior to your effective date.
Your Quote
Please Note: The Multi-Trip Annual Plan option is not available if you are Topping Up and want your coverage to start after your departure date.
Please select one option from following list
Please select one option from following list
Your Quote (Family Plan)
Please Note: The Multi-Trip Annual Plan option is not available if you are Topping Up and want your coverage to start after your departure date.
Please select one option from following list
Saves $$$...
If you are planning more than one trip, consider multi-trip coverage and save money! Pay for coverage once and use it all year!- The 8-day, 17-day or 32-day multi-trip plan covers the first 8, 17 or 32 days of every trip you take outside Canada within a 12-month period
- ALL multi-trip plans include unlimited travel within Canada (outside your Province or Territory of residence) for all trips within a 12-month period
- Multi-trip plans cannot be used to top-up other coverage
Optional 90-Day Stability for Plans 2,3,4 or 5
Please select one option from following list
Please select one option from following list
- For Plans 2, 3, 4 and 5 you may change the pre-existing medical condition stability period to 90 days by adding 35% to your premium
- Coverage will be limited to $1,000,000 CAD for the condition that does not meet the required stability period for the plan for which you qualify
Deductible Option
Please select one option from following list
Please select one option from following list
Deductible Option (Family Plan)
Please select one option from following list
Travel Information
If you purchase your policy after you have departed your province or territory of residence, there is no coverage for any medical condition that began, or for which you experienced symptoms, during the first 48 hours after the effective date even if related expenses are incurred after the 48-hour waiting period.
Declaration and Authorization
I declare that I meet the eligibility requirements for the rate table chosen. The answers I have provided are truthful and accurate. If unsure, I have contacted my physician.
I understand that any misrepresentation or failure to disclose any material fact may void the policy.
I understand that it is my responsibility to review my policy to understand the coverage and exclusions, including the pre-existing condition exclusion.
I understand that if my health changes prior to my departure date, I must contact Travel Insurance Office Inc. to determine how this will affect my coverage.
I authorize the disclosure of my personal and health information in the event that I have a claim.
Insurance is administered by North American Air Travel Insurance Agents Ltd. doing business as TuGo®, a licensed insurance broker in all provinces and territories. The issuer of the contract is Industrial Alliance Insurance and Financial Services Inc. TuGo® is a registered trademark owned by North American Air Travel Insurance Agents Ltd. doing business as TuGo®.
Quote Detail
Personal Information
Quote Information
This plan covers emergency treatment for pre-existing medical conditions that were stable in the days prior to your effective date.
Your pre-existing medical conditions that do not meet the required stability period will be covered if they were stable in the 90 days prior to your effective date. Coverage will be limited to $1,000,000 CAD for the condition that does not meet the required stability period for the plan for which you qualify.
Personal Information
Quote Information
This plan covers emergency treatment for pre-existing medical conditions that were stable in the days prior to your effective date.
Your pre-existing medical conditions that do not meet the required stability period will be covered if they were stable in the 90 days prior to your effective date. Coverage will be limited to $1,000,000 CAD for the condition that does not meet the required stability period for the plan for which you qualify.
Contact Information
Emergency Contact Information
Other Information
Or make a deposit of $50 to Lock-in the Early Bird Special. The balance is due prior to travel. If you select [Save Quote] your quote is only valid until there is a rate or discount change. You will be able to complete your purchase on a later date using the personalized code emailed to you.
Contact Us
Travel Insurance Office Inc.
| Ontario: | +1 (800) 550-1295 |
| Western Canada: | +1 (888) 550-1295 |
| Atlantic Canada: | +1 (877) 550-1295 |
| Quebec: | +1 (844) 500-2947 |
| From elsewhere, call collect: | +1 (905) 201-1571 |
About Us
Welcome travelling Canadians and thank you for giving us the opportunity to provide you with Travel Insurance Made Easy.
Your provincial government health insurance plan has severe limits on out-of-country coverage for unexpected medical emergencies. The limits vary by province but, on average, only cover 5-10% of a typical out-of-country hospital, clinic or doctor’s medical expense leaving you responsible for 90-95% of the total. Travel Insurance Made Easy offers coverage to a maximum of $5 million CAD per insured person, per trip, for medical emergencies occurring while travelling outside your home province.
Since 1991 we have become one of the largest travel insurance brokers in Canada. Every year our clients reapply with us and many refer their family and friends to us. We serve thousands of new clients every year and this year we want to serve you. Our promise is this: a selection of quality products, low rates, (and lower than most “snowbird” plans), deluxe coverage, and the best service in Canada.
We were one of the first travel insurance brokers in Canada to:
- introduce a travel insurance newsletter for Canadians
- introduce a medical questionnaire to rate applicants
- guarantee same-day service
- eliminate all service charges and all administration fees
- provide "No Questions Asked" refunds
- introduce a paperless online application. Applicants can purchase coverage online and receive all of their travel insurance documents within minutes so that they can depart Canada immediately. The online application does not have to be printed out, signed or mailed. The online application is easy to use, safe and secure.
We wish you good health and safe travels.
Sold through Travel Insurance Office Inc. (First World Underwriting Agents in Manitoba and British Columbia).
| Ontario: | 1-800-550-1295 |
| Western Canada: | 1-888-550-1295 |
| Atlantic Canada: | 1-877-550-1295 |
| Quebec: | 1-844-500-2947 |
| From elsewhere, call collect: |
905-201-1571 |