TuGo Travel Insurance

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Administrated by: TuGo 
Underwritten by: Industrial Alliance Insurance and Financial Services Inc.
24h Emergency Assistance Center: Claims at TuGo

IMPORTANT NOTE: The product-related information on this website is for illustration purposes only. For complete benefits, terms, conditions, limitations and exclusions, please see the policy booklet at the download section below. Please read and understand your policy before you travel.


Emergency Medical Expenses maximum benefits: $5,000,000
- Hospital Services - semi-private accommodation.
- Physician and surgeon services.
- Ambulance services - ground, air or sea rescue ambulance.
- X-ray examinations and diagnostic laboratory procedures.
- Prescription drugs for a maximum of 30 days supply.
- Rental of essential medical appliances including but not limited to wheelchairs, crutches and canes.
- Private duty nursing services.
- Professional medical services of physiotherapist, chiropractor, chiropodist, osteopath, podiatrist or optometrist up to a maximum limit of $500 per practitioner.
- Follow-up Visit - One follow-up visit within the 14 days after the initial emergency medical treatment.
- Fracture Treatment - up to $1,000 for cast removal, physiotherapy, X-ray, re-examination or re-casting, if medically necessary.
- Emergency air transportation to the nearest medical facility or for return to Canada (pre-approved and arranged by Claims at TuGo).
- Return of travelling companion - if you are returned to Canada under the emergency air transportation benefit. 
- Accidental dental, maximum $4,000 for the repair or replacement of whole or sound teeth. 
- Emergency dental, maximum $500 for a pain relief, other than caused by an accident.
Repatriation (Return of Deceased) – the preparation and return of your body to your home province or up to $5,000 for burial or cremation at the place of death (excluding cost of a burial coffin or urn).
- Return of Children/Grandchildren If you are returned to your home province under the emergency air transportation or the repatriation benefit.
- Family transportation - the cost to bring a family member to you in case you have been hospitalized. The insurance company will pay up to $300 per day for meals and accommodation up to a maximum of $1,500.
- Hospital allowance - $75 per day for TV rental and telephone charges while in hospital.
- Return of vehicle – up to $5,000 to return your vehicle by a commercial agency in case of a medical emergency.
- Return of accompanying pet – up to $300 for returning your accompanying pet, if you have been air evacuation back to your home province.

Some of the benefits need to be pre-approved and arranged by Claims at TuGo. Please read the insurance policy (attached below) for full descriptions and condition of the insurance benefits.

 You are eligible for coverage if:
1.    You are a Canadian resident.
2.    The expenses you incur result from an acute, sudden and unexpected emergency.
3.    The emergency first occurs and the medical treatment is provided outside your home province.
4.    You are not travelling against a physician’s advice; or
5.    You have not been diagnosed with a terminal condition.
-     You are a Canadian resident, and you must be insured under the government health care plan of the province or territory in which you reside.
-     The length of travel out of your home province does not exceed the number of days selected at the time of application or authorized extension period. 

EXCLUSIONS: Your coverage is subject to various exclusions, which are completely set out in the Exclusions section of the policy document. The following, although not an exhaustive list, are some of these exclusions:

Any pre-existing condition as defined, except as follows: 
Applicable to Insureds 59 Years and under (on the application date)
 a) On trips 35 days or less, except for any condition or symptom (other than a minor ailment):
     i.    That arose or worsened on the date of departure or at any time within the 7 days before the date of departure; or,
     ii.    For which medical treatment was obtained on the date of departure or at any time within the 7 days before the date of departure; or,
     iii.    That developed before departure and was undiagnosed at the time of departure.
b) On trips over 35 days, any condition which has remained stable in the 90 days before the date of departure.
If you extend your trip and the total trip length (including the extension) exceeds 35 days, paragraph b) applies.
Applicable to Insureds 60 to 74 Years (on the application date)

On all trip lengths, any pre-existing condition which has remained stable in the 180 days before the date of departure.
Applicable to Insureds 75 Years and Over (on the application date)
On all trip lengths, any pre-existing condition which has remained stable in the 365 days before the date of departure.
Pre-existing conditions that do not meet the criteria set out above are not covered.   

Travel Within Canada - Pre-existing conditions are not excluded; however, the Emergency Medical Insurance Exclusions and the General Exclusions still apply. 

Stable means the medical condition is not worsening and there has been no alteration* in any medication for the condition or its usage or dosage, nor any medical treatment prescribed or recommended by a physician or received, within the period specified in this Policy before the commencement date of a covered trip. *Alteration includes an increase or decrease in medication dosage, usage or a change in medication type, but does not include changes in brand due solely to the availability of your usual brand or due to government regulations regarding reference-based pricing. 

PREGNANCY, routine pre-natal care, a child born during your trip, childbirth or complications thereof occurring within the nine weeks immediately before or after the expected date of delivery.

General Exclusions:
 This Insurance does not provide payment or indemnity for expenses incurred directly or indirectly as a result of:
   - Conditions or any related conditions for which, prior to departure, testing or investigation took place, was scheduled to take place or was recommended (not including tests for routine check-up or routine monitoring for a medical condition), and for which results had not yet been received at the time of departure. This includes tests or investigation that were recommended or scheduled prior to departure, but had not yet taken place at the time of departure.
   - War, civil war, riot, rebellion, insurrection, revolution, invasion, hostilities or warlike operations (whether war be declared or undeclared).
   - Suicide or attempt thereat, self-inflicted injury.
   - Your coaching, teaching, participating, practicing or training for any of the sports listed in the optional Sports Coverage,
   - Psychotherapeutic treatment or rehabilitative treatment, psychological, emotional or mental disorders.
   - Treatment, services or prescriptions required for ongoing care or check-ups, or provided in a psychiatric hospital, chronic care facility of a hospital or convalescent or nursing home, health spa, or rehabilitation centre.
   - The consumption or abuse of any alcohol, drugs, or medication, or any event, act or omission caused or contributed to by the use or abuse of alcohol, drugs or medication.
   - Any medical treatment which is a continuation of or subsequent to an emergency sickness or accident, unless you are declared by an attending physician medically unfit to return to your home province.
   - This Policy does not provide reimbursement for expenses once the emergency ends and in the opinion of the attending physician or dentist, you are able to travel to your home province for any further treatment relating to the sickness or accident that led to the emergency (other than for a follow-up visit as listed under the benefits for emergency medical treatment).


In the event of a medical emergency, call Claims at TuGo immediately:
To make a claim, simply contact OneWorld Assist 24 hours a day, seven days a week: 
From U.S.A. & Canada, call toll-free: 1-800-663-0399
From Mexico, call toll-free: 001-800-514-9976
Worldwide, call collect: 1-604-278-4108 
Notice: all claims have to be reported to Claims at TuGo no later than 30 days from the date a claim arises. Within 90 days all documents supporting your claim have to be sent to the insurance company.
All claims correspondence should be mailed to:
Claims at TuGo
10th Floor, 6081 No. 3 Road
Richmond, BC Canada V6Y 2B2

In the event of unresolved disputes respecting any claim or portion thereof, the following should be contacted: TuGo, 10th Floor, 6081 No. 3 Road, Richmond, BC, V6Y 2B2
Any complains must be submitted within one year after the date of the expense.

Applicable to Multi Trip Annual and Single Trip
1.    Refunds are not available if a claim has been or will be submitted.
2.    When the request for refund is received PRIOR to the effective date of the Policy, a full refund is available.
3.    When no travel has taken place and the request for refund is received AFTER the effective date of the Policy:
   a) A full refund is available within 10 days of the application date; or,
   b) A refund less an administration fee is available when the request for refund is received more than 10 days after the application date but no later than one year from the expiry date of the Policy.
   c) Refunds must be requested in writing.
Applicable to Single Trip Only
In the case of early return to your home province, partial refunds may be available provided:
a) A satisfactory proof of return to your home province is sent to TuGo.
b) The request is received by TuGo no later than one year from the expiry date of the Policy. Refunds will be calculated from the date of return. All partial refunds will be subject to an administration fee.
c) Refunds must be requested in writing.


To extend your policy while travelling, simply call TuGo:
From Canada & USA . . . . . . . . . . . . . . . . . . . . . . . . . . . 1-800-663-5389
From Mexico . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 001-800-514-9976
Worldwide (collect) . . . . . . . . . . . . . . . . . . . . . . . . . . . **604-276-9900
You have to contact the insurance company prior to expiry date. You must be in good health and you have not seen a physician since your departure date or the effective date of the Policy and not have incurred any losses with TuGo. Your provincial or territorial health/medical plan must be valid for the duration of the extension.

Sports Coverage - when this Optional Coverage is purchased, the company will reimburse you for eligible hospital and medical related expenses for sickness or accidents while participating in, coaching, teaching, training or practicing for any of the following contact sports on behalf of a registered team, league, association or club or while competing in a registered tournament, competition or sporting event:
Contact Sports: (Up to the Policy limit) Ice Hockey; Lacrosse; Boxing; Football; Australian Football; Rugby
Adventure Sports: (Up to the Policy limit) Flying as a Pilot or Passenger in a Glider or Ultralight; Backcountry Skiing/ Snowboarding/ Snowshoeing; Bobsledding; Canyoning/Canyoneering; Downhill Freestyle Skiing/ Snowboarding in Organized Contests; Downhill Longboarding; Downhill Mountain Biking; Downhill Skating; Endurance Activities over 6 Hours; Hang Gliding; High Risk Snowmobiling; Ice Climbing; Luge/Skeleton; Mountaineering up to 6,000 Meters; Non-motorized X Game Sports (or those sports in similar type events); Parachuting/Skydiving/ Tandem Skydiving (more than one jump per trip); Paragliding/Parapenting; Paramotoring; Parasailing/Parascending over Land; Snow Kiting; Stunt/Aerobatic Flying.
Extreme Sports: (Maximum limit—$500,000) Base Jumping; Bull Riding/Bull Fighting; Free Diving over 30 Metres; Motorized Speed Contests; Motorized X Game Sports (or those sports in similar type events); Mountaineering over 6,000 Metres; Rodeo; Running with the Bulls; Scuba Diving (if not certified by an internationally recognized and accepted program); Scuba Diving over 30 Metres; Ultimate Fighting & Mixed Martial Arts; Wingsuit Jumping/ Wingsuit Flying.

TuGo is an organization established in 1964 to provide insurance and health care services to North American consumers. Areas of specialty include insurance products and services, health care management and international travel and medical assistance services. Tugo delivers the highest level of support when travelers face an emergency through a multilingual customer call centre and experienced travel assistance team.

TuGo is based in Richmond, BC, with offices in Calgary, Toronto, Montreal, San Diego and Mexico City.

IMPORTANT NOTE: The product-related information on this website is for illustration purposes only. For complete benefits, terms, conditions, limitations and exclusions, please see the policy booklet at the download section below. Please read and understand your policy before you travel.


TuGo Travel Insurance POLICY PDF

TuGo is a registered trademark of and is used by North American Air Travel Insurance Agents Ltd. 


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