Visitors to Canada 加拿大旅客

為您設計的加拿大旅客保障
在遊覽加拿大期間，意想不到的緊急治療是您最大的意外花費．但沒有必要擔心，一定要確保購買 “TIC緊急住院及醫療保險”．如果您在加拿大期間得了意想不到的疾病或意外受傷，我們會保證您得到您需要的保障．
CANADIAN VISITOR PROTECTION FOR YOU
Unexpected emergency medical treatment is the single most expensive hidden cost you could get hit with while visiting Canada. But there’s no need to worry. Just be sure to stay covered with TIC Emergency Hospital & Medical Insurance. If you have an unexpected illness or accidental injury during your stay in Canada, we’ll be there to ensure you get the care you need.


我為什麼需要保險？
－　加拿大的醫療費用非常昂貴
－　醫院每天會收取數千元的費用
－　如果沒有保險，您和您的家人就必須副高昂的費用
WHY DO I NEED INSURANCE?
Health care costs in Canada are very expensive. Hospitals can charge thousands of dollars per day. Without emergency hospital and medical insurance, you and your family would be responsible for these high costs. 


旅遊保險包括什麼？
旅行保險是為了承保突發、意外和不可預見的情況．
WHAT IS COVERED?
Travel insurance is intended to cover sudden, unexpected, and unforeseeable circumstances. Please read Benefits section for a summary. 


旅行保險不承保那些範圍？
旅行保險並不承保一切．這種保險有排除責任條款、條件和限制．請先閱讀並了解保單的內容．
WHAT IS NOT COVERED?
Travel insurance does not cover everything. This insurance has exclusions, conditions and limitations. Please read them and understand the policy before you decide if this insurance is suitable for you.


有那些保險項目可選擇？
您可以選擇最高保額為 $10,000、$25,000、$50,000、$100,000或$150,000．您還可以支附額外費用，投保可選擇的計畫．
WHAT ARE MY COVERAGE OPTIONS?
You can choose between coverage options of $10,000, $25,000, $100,000 or $150,000. There are also several optional plans available for an additional cost. 


是否有年齡限制？
承保範圍對未滿15天的嬰兒不適用．
申請承保返回沒有年齡上限．
ARE THERE AGE LIMITS?
Coverage is not available for persons less than 15 days old. Persons over age 85 must complete a medical questionnaire and receive written acceptance from TIC. 


我想待更久一點．我可以購買更多的承保範圍嗎？
可以，您可依據保單的條款和條件辦理．請在保單到期前致電您的代理人或TIC．
I WANT TO STAY LONGER. CAN I PURCHASE FURTHER COVERAGE?
Yes, you can. Just call your agent or TIC prior to the expiry date of your policy. 


加拿大以外的旅行是否包括在保險內？
是的，只要您在保險期間大部分時間待在加拿大．
WILL THIS COVER ME FOR TRIPS OUTSIDE CANADA?
Yes, provided the majority of your period of coverage is spent in Canada.


如果我生病或受傷了怎麼辦？
我們專業的緊急支援以及理賠人員可在一週7天，一天24小時為您提供協助．TIC經驗豐富及會多種語言的工作人員會與醫院確認您的承保範圍、安排緊急醫療轉送、協調付款、並根據需要聯絡您的家庭醫生和親屬．
WHAT IF I GET SICK OR INJURED?
Our professional emergency assistance and claims personnel are available to help you 24 hours a day, 7 days a week. 


BENEFITS    理賠項目

緊急住院
以申請時選定的最高保額，提供半私人病房．
EMERGENCY HOSPITAL
Up to the maximum aggregate limit selected at the time of application for semi-private hospital accommodation. 


緊急治療
以申請時選定的最高保額，有醫師執行並授權，提供緊急治療、外科或麻醉服務．
EMERGENCY MEDICAL
Up to the maximum aggregate limit selected at the time of application for emergency medical, surgical or anesthetic services when performed and authorized by a physician.


緊急增強健康保險
提供以下緊急醫療服務、用品和治療：
a) 在經TIC事先批准的情況下，有註冊護士提供的私人服務，最高達$10,000
b) 根據醫生要求的物理治療師服務，最高達$500
c) 脊柱按摩服務，最高達$500
d) 根據醫生要求進行的化驗和X光檢查
e) 必要時，用持有牌照的當地空中、陸地或海上急救交通工具（包括山區或海上轉送），送到最近的醫院．
f) 租用拐杖或醫院式病床，以及夾板、托帶、支架或其他假支的費用．
g) 緊急門診醫院服務
h) 處方藥物或藥品，一個月的服用量，最高達$500
EMERGENCY EXTENDED HEALTH
For the following emergency medical services, supplies and treatments:
a) Private duty services of a Registered Nurse when approved in advance by TIC, up to $10,000.
b) Physiotherapist services, when ordered by a physician, to a maximum of $500.
c) Chiropractic services to a maximum of $500.
d) Lab tests and X-ray examinations ordered by a physician.
e) Licensed local air, land, or sea ambulance (including mountain or sea evacuation), when necessary, to the nearest hospital.
f) Rental of crutches or hospital-type bed; and the cost of splints, trusses, braces or other prosthetics.
g) Emergency out-patient hospital services.
h) Prescription drugs or medicines, one-month’s supply, to a maximum of $500.


緊急運送
在發生承保範圍內的緊急疾病或受傷之後，如需要立即進行治療，醫保單的保額為最高費用，用空中急救交通工具、單程經濟艙機票或擔架把您運送會您原居住國，如有需要的話，包括一位額醫療護理員．
EMERGENCY TRANSPORTATION
The cost up to the policy limit of air ambulance, one-way economy airfare or stretcher to transport you to your country of origin, and a medical attendant if required, when immediate medical consultation is required following a covered emergency sickness or injury.


家人或朋友的交通費
如果您因承保範圍內的疾病或受傷住院，而主治醫生建議您的家庭成員或親密朋友有必要到場；或者如果您因承保範圍內的疾病或受傷死亡，而當地主管機構要求這些人到場來辦認您的遺體，最高達$3,000，支付您的家庭成員或親密朋友採用最直接的路線，往返經濟艙的交通費，以及最高達$1,000，支附抵達後所需的合理費用．
TRANSPORTATION OF FAMILY OR FRIEND
Up to $3,000 for round-trip economy class transportation by the most direct route, and up to $1,000 for reasonable costs incurred after arrival by your family member or close friend if you are hospitalized due to a covered sickness or injury and the attending physician advises the necessary attendance by such persons; or if local authorities legally require the attendance of such persons to identify your remains in the event of death due to a covered sickness or injury. 


護理員
如果您因急診住院超過了48小時，每天最高達$50，最高保額為$500，支附一位護理員(餘您沒有親戚關係)，來照料您的投保旅伴．
ATTENDANT
Up to $50 a day, to a maximum of $500, for an attendant (not related to you) to care for your accompanying insured travelling companions if you are hospitalized as the result of an emergency for 48 hours or more. 


復診
在承保範圍內最多可複診三次，除非得到TIC的別外批准，但一定要與急診有直接關係．
FOLLOW-UP VISITS
Up to three follow-up visits, unless otherwise approved by TIC, are covered provided they are directly related to the emergency and the emergency has been reported to TIC. 


意外牙齒治療
最高達$3,000，支附因意外打擊臉部造成完整或完好天然牙齒的修補或更換．
ACCIDENTAL DENTAL
Up to $3,000 for repair or replacement of whole or sound natural teeth caused by an accidental blow to the face 


牙科急診
最高達$500，支付‘意外牙齒治療’承保範圍以外的急性牙痛所進行的緊急舒緩措施．
DENTAL EMERGENCIES
Up to $500 for the immediate relief of acute dental pain, other than provided under Accidental Dental 


食宿
如果您(或您的投保旅伴)在會國之日被迫住醫院，每天最高可保稍$150，最高達$1,500，或最多達十天．保險公司將報銷由您或任何一位投保旅伴所需的費用．
MEALS AND ACCOMMODATION
Reimbursement of up to $150 per day to a maximum of $1,500 or up to a maximum 10 days in the event you (or your insured travelling companion) are confined to hospital on the date on which you are scheduled to return home. The insurer will reimburse for commercial accommodation, meals, child care costs (children under age 18, or physically or mentally handicapped travelling companion(s) who rely on you for assistance), essential telephone calls and taxi fares incurred by you or any insured travelling companion. 


緊急運送回國
如果在保單生效期間，因承保範圍內的緊急病情或受傷您需要立即返回國，最高達$3,000，支付單程經濟艙的交通費，返回您的原居住國，包括一為額外的投保家庭成員．
EMERGENCY RETURN HOME
Up to $3,000 for the cost of one-way economy transportation to your country of origin if the covered sickness or injury necessitates your immediate return home during the period of coverage. Includes one additional insured family member 



OPTIONAL PLANS     任選計畫

飛行事故
選擇$200,000 或 $500,000，承保因飛機或機場有關事故造成的意外喪失生命、肢體、勢力或失蹤．
FLIGHT ACCIDENT
Choose either $200,000 or $500,000 for accidental loss of life, limb, sight, or disappearance resulting from an aircraft or airport-related accident. 


旅程中斷
可選擇保額為$800、$1,500或$2,000，用于支付單程回國的交通費用
TRIP INTERRUPTION
Coverage amounts of $800, $1,500 or $2,000 for the cost of one-way transportation home in the event of unexpected insured events.


欲了解詳情，請聯絡您的旅行代理或保險經紀人．
Please read your policy for a full description of coverage details and exclusions.

加拿大人的旅遊保險
Travel Insurance for Canadians

無論身在何方、都能保護自身安全
Protect Yourself Wherever You Go

我為甚麼需要旅遊保險？
- 加拿大政府的醫療保險計畫只會支付一小部分的費用
- 某些醫院一日索費數千元, 還不包括醫生或診斷服務的費用
- 補上遺失或遭偸的行李
- 以上這些都可以構成您財務上的損失和旅程的不便
Why do I need travel insurance?
- The Canadian government health plans only pays for a small fraction of out-of-the-country health expenses
- Some hospitals may cost up to thousands of dollars a day (not even including doctors or diagnostic fees!)
- Replacing lost/stolen baggage and other mishaps can become a nuisance


旅遊保險包括什麼？
- 您政府保險給付範圍外的緊急醫療費用，最高理賠為$200萬
- 您住醫院時和您同在的受保家庭成員或旅行同伴的生活費用、最高補償$3,000元
- 如您住院，可讓您的家人或摯友到您甚旁陪伴。來回交通費最高理賠　$3,000元，給理花費最高理賠$1,000元
- 如您因受保疾病或受傷而無法帶回旅行使用的車輛或船舶，TIC會安排運返您的汽車，最高賠額為$3,000
- 運返同行寵物 (狗或貓) 最高理賠$300
- 意外牙齒治療 (因臉部撞擊意外) ，最高理賠$3,000
- 為非因臉部撞擊所產生的緊急牙齒治療最高理賠$500
- 如有需要，TIC會安排將您送到加拿大境內醫院或最近醫院之緊急運送
What are the features and benefits?
- Provides up to $2 million for emergency hospitalization & medical services not covered by your provincial/territorial health plans
- Family/companions may be reimbursed up to $3,000 in living expenses while you are in the hospital
- Up to $3,000 for round-trip transportation to bring a family member or friend to your bedside
- Up to $1,000 for reasonable costs if you are hospitalized or to identify your remains in case of your death
- Up to $3,000 reimbursement for the return of a vehicle or watercraft used for the journey in the case that you cannot return it due to a covered sickness or injury
- Up to $300 for the cost of returning your accompanying dog or cat to Canada
- Up to $3,000 payable for emergency repair or replacement of whole or sound natural teeth from accidental blow to face
- Up to $500 for the immediate relief of acute dental pain caused by other than a blow to the face
- When accessed medically transportable, TIC will arrange for emergency transportation to a hospital in Canada or to the nearest hospital
- Up to $5,000 for one-way transportation for you and one insured travelling companion to return to your original trip destination if you returned home under the Emergency Transportation benefit and your emergency is completely resolved
- In the event of death, TIC will reimburse up to $10,000 for the cost incurred to return your body to Canada or up to $4,000 for cremation or burial at the place of death


任選配套計畫 Optional Plans

行李:
- 可選擇$1,000或$1,500的理賠金額來補償您因行李、個人物品、旅行文件或貨幣遭偸或損壞所構成的損失
- $200的緊急照護費用
- 對輪椅的修復或租借的最高理賠$100
- Baggage:
- $1,000/$1,500 to cover theft or damage to your baggage, personal belongings, travel documents or currency
- Up to $200 for emergency care for an injury to your accompanying cat or dog
- Up to $100 for repair or rental replacement of your wheelchair


租借車輛
- 如從商業租借汽車公司租用的車輛受到損壞，最高理賠為$50,000
- Rental Car:
- Up to $50,000 for physical damage to an automobile rented from a commercial car rental agency


旅程中斷
- 可選擇保額$800/$1,500/$2,000用於發生非預計受保事項，以支付單程返家的交通費 
Trip Interruption:
- $800, $1,500 or $2,000 for the cost of one-way transportation home in the event of unexpected, insured events


飛航意外
- 因飛航事故而導致意外死亡、失肢、失明或失蹤，投保人可選擇$200,000或$500,000之保額
-- Flight Accident
- $200,000 or $500,000 for accidental loss of life, limb, sight or disappearance resulting from an aircraft accident


意外死亡及殘廢
- 除旅程中飛航事故以外，其他事故因意外引致死亡、失肢、失明或失蹤，投保人可選擇$25,000/$100,000/$250,000之保額
- Accidental Death & Dismemberment
- $25,000, $100,000 or $250,000 of coverage for accidental loss of life, limb, sight or disappearance during your trip (aside from flight accidents)


常有問題：

問題：我常旅行，我能得到更好的選擇條件嗎?
答案：多次旅行計畫可便利常旅行的旅客，讓您不必每旅行一次就買一次保險。

問題：是否有年齡限制？
答案：出生未滿15天的嬰兒無法投保。如您年滿61歲或以上且旅行時間超過61日，則必須取得TIC的書面授權。

問題：如果我發生緊急事故或需要理賠時，該怎麼辦？
答案：我們專業的緊急支缓及理賠人員，每天二十四小時為您提供協助。

FAQ:

Q: I travel a lot. Can I get a better deal?
A: Yes. Multi-trip plans provide frequent travellers with the convenience of not having to purchase insurance every time you travel. You can take as many trips as you want during the coverage year.

Q: Are there age limits?
A: Yes, coverage is not available for those under 15 days old; those who are 61 years and older who will travel for 61 days or longer must receive written acceptance from TIC.

Q: I want to stay longer, can I purchase further coverage?
A: Yes you can, just call your agent or TIC prior to the expiry date.

Q: What if I have an emergency claim?
A: Our professional emergency assistance and claims personnel are available to help you 24 hours a day, 7 days a week.


For more information on rates, terms, benefits, conditions and exclusions please contact us.