TIC has over 50 years of experience in the Canadian travelhealth insurance market. We are dedicated to providing you with outstanding coverage for unexpected sickness or injuries during your travels. You can rest assured you will receive the best service and support available if youever need it.

TIC is 100% owned by The Co-operators Life InsuranceCompany which is part of The Co-operators Group Limited, one of Canada’s largest, Canadian-owned, multi-product insurers.

YOUR PRIVACY

We are committed to protecting the privacy, confidentiality andsecurity of the personal information we collect, use and disclose. For a copy of TIC’s privacy policy, please contact us or visit ourwebsite: www.travelinsurance.ca.

K052BR-0911

Administered by:

TIC Travel Insurance Coordinators Ltd.2100 – 250 Yonge StreetToronto, Ontario, Canada M5B 2L7

Underwritten by:Travel insurance – Co-operators Life Insurance CompanyProperty insurance – Sovereign General

TIC Travel Insurance® and its logo are registered trademarks of Co-operators LifeInsurance Company and are used under license.

For illustration purposes only. This is not an insurance policy. For complete terms,conditions, limitations and exclusions, please see the policy booklet. Please readand understand your policy before you travel.

International StudentBasic Group Plan

hospital & medical insurance forinternational students studying in canadaeffective september 2011

CLAIMS PROCEDURES

Important notes:1. Claims must be reported within 30 days of occurrence.

2. Written proof of claim must be submitted within 90 days ofoccurrence.

3. Any costs incurred for documentation or required reports arethe insured’s or claimant’s responsibility.

When submitting your claim please include:1. A completed and signed claim form with all original bills and

receipts. Incomplete forms will delay your claim.

2. Medical records including an emergency room report anddiagnosis from the medical facility or a Medical Certificatecompleted by the treating physician. Any fee for completionof the certificate is not a benefit under this insurance.

Further documentation may be required upon review of your claim.

Submit Claims to:

TIC Travel Insurance Coordinators Ltd.

2100 – 250 Yonge StreetToronto, Ontario, Canada M5B 2L7

Collect worldwide: 416-340-8809Toll free Canada/U.S.A.: 1-800-869-6747

EMERGENCY PROCEDURES

In the event of a sickness or injury, TIC Emergency Assistancemust be notified prior to any medical consultation or any surgerybeing performed or within 24 hours of admission to a hospital.Failure to notify TIC, without a reasonable cause, prior to surgeryor in case of hospitalization will result in the reduction of eligiblebenefit amounts payable by 20%.

We are here to help. Our service is available 24 hours a day, 7 days a week. TIC Emergency Assistance also provides supportand recommendations for non-medical emergencies, providingyou with access to resources to help resolve any unexpecteddifficulties you encounter during your period of coverage.

TIC EMERGENCY ASSISTANCE

Toll free Canada/U.S.A.: 1-800-995-1662Toll free worldwide: 800-842-08420 or 00-800-842-08420

If unable to contact us through the toll free numbers, call collect: 416-340-0049

Contact us at www.travelinsurance.ca and initiate your claim and we will contact you.

Specially arranged by:

ABOUT TIC TRAVEL INSURANCE COORDINATORS LTD.

WHO CARES ABOUT TRAVEL INSURANCE?WE DO. IN FACT IT’S EVERYTHING WE DO.

SUPPORT WHEREVER YOU GO

At TIC, travel insurance is everything we do. We have flexible,affordable insurance plans and we’re 100% focused onhelping you enjoy a worry-free experience while studying inCanada. If an emergency arises, you can rely on ourdedicated, knowledgeable multi-lingual service and supportteam to help you get 24/7 emergency medical assistance.Stay covered with TIC International Student Travel Insurance,and we’ll be there to deliver travel protection you can trust inyour moments of need.

EXCLUSIONS

This is a short list of common exclusions. For a complete list, readthe Exclusions section in the policy booklet.

• Any sickness, injury or medical condition that exhibitedsymptoms or required any or all of: medical consultation,prescription medication, medical treatment orhospitalization, when the application for insurance ismade more than 30 days after the date of registration atthe educational institution.

• Any loss incurred as a result of pregnancy, abortion,miscarriage, childbirth, or complications thereof, exceptas specifically provided under the ‘Maternity Benefit’.

• Loss, death or injury, if at the time of the loss, death orinjury, evidence supports the insured was affected by, orthe medical condition causing the loss was in any waycontributed to by, the use of alcohol, prohibited drugs or any other intoxicant; the non-compliance with aprescribed treatment or medical therapy; or the misuseof medication.

• Any sickness, injury or medical condition where the trip is undertaken for the purpose of securing medicaltreatment or advice.

• Travelling against the advice of a physician.

• Any loss incurred outside of Canada unless specificallyspecified in policy.

This brochure is an illustration only. It is not an insurance policy.For the complete terms, benefits, conditions and exclusionsplease see the policy wording.

BASIC PLAN MAXIMUM COVERAGE AMOUNT

Sum Insured $2 millionIncludes limited emergency coverage outside of province/Canada

Emergency Hospital up to $2 million

Emergency Medical up to sum insured

Includes:

• Physician/Surgeon/Anaesthestist/Registered nurse

• Diagnostics/lab tests and x-ray examinations

• Local ambulance

• Rental of medical equipment or appliances

Professional Services $1,000 per practitioner/year

Includes:

• legally licensed physiotherapist, chiropractor, chiropodist, osteopath or podiatrist

Maternity Benefit up to $25,000

Eye Examination 1 per 12 month period of coverage

Physical Examination 1 per 12 month period of coverage

Psychologist and Psychiatric Care inpatient up to $25,000

outpatient up to $1,000

Emergency Air Transportation/Return Home up to sum insured

Transportation of Family or Friend up to $5,000

Return of Deceased up to $15,000

FEATURES AND BENEFITS

• Affordable all-in-one hospital, medical and extended health care solution

• International Student Hospital & Medical Insurance – Basic Plan was chosen specifically for youand does not duplicate any other extended health care benefits that you may already have. Itprovides coverage, up to a maximum aggregate of $2 million per person per policy period.