TuGo
Visitors 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.

BENEFITS:

  - Maximum benefits: $10,000; $25,000; $50,000; $100,000, $200,000 and $300,000.
  - Hospital services: semi-private accommodation. 
  - Physician services.
  - Ambulance services: ground, air or sea ambulance to the nearest hospital.
  - X-ray examinations and diagnostic laboratory procedures.
  - Prescription drugs for a maximum of 30-day period.
  - Medical appliances: the cost to rent or purchase essential medical appliances, including but not limited to, wheelchairs, crutches and canes.
  - Fracture Treatment - up to $1,000 for cast removal, physiotherapy, X-ray, re-examination or re-casting, if medically necessary.
  - Private duty nursing services.
  - Professional medical services of physiotherapist, chiropractor, chiropodist, osteopath, podiatrist, optometrist and acupuncturist up to a maximum limit of $600 per practitioner.
  Follow-up visits 5 follow-up visits within the 14 days after the initial emergency medical treatment if necessary.
  - Accidental dental, maximum $6,000 for the repair or replacement of whole or sound teeth. 
  - Emergency dental, maximum $600 for a pain relief, other than caused by an accident.
  - Return of Deceased (Repatriation): the preparation and return of your body or ashes to your country of origin or up to $6,000 for burial or cremation at the place of death (excluding the cost of funeral, a burial coffin or an urn). This benefit also includes the transportation costs and allowance of $400 per day to a maximum of $2,000 for meals and accommodation of one family member to go to the place of your death to identify your body when it is necessary.
  - Hospital Allowance: up to $100 per day to cover hospital charges for TV rental and phone.
  - Emergency Air Transportation: The cost of medical air evacuation, a stretcher or one-way economy airfare to return to your country of permanent residence and the cost for a medical attendant if necessary.  *
  - Return of Dependent Children: cost of airfare and a chaperone to return dependent children travelling with you back home, if you are returned to your country of permanent residence under the Emergency Air Transportation Benefit or the Repatriation Benefit. *
  - Child Care: up to $500 per day to a maximum of $5,000 for child care costs if you are hospitalized.
  Family Transportation: the transportation costs and allowance of $400 per day to a maximum of $2,000 for meals and accommodation for one family member to be with you while you are hospitalized, if an attending physician considers it necessary. *
  - Out of Pocket Expenses: up to $500 per day to a maximum of $5,000 for your accommodation, meals, telephone calls, internet charges, taxi fare, parking charges, bus fare and/or rental car in lieu, if your travelling companion is confined to hospital on or after the date you are scheduled to return to your country of permanent residence.
  Accidental Death and Dismemberment insurance: up to $25,000.
  - Return of Vehicle: up to $2,500 to return a vehicle that you own or rent if you are incapable of continuing your trip by means of the vehicle used to depart from your country of permanent residence. *
  - Maternity: up to a maximum of $6,000 for pre-natal care, delivery and/or complications thereof arising within the nine weeks before the expected date of delivery, provided the pregnancy commenced after the effective date of the Policy.
  - Flight to/from Canada coverage: The effective date can be either: a) The date you leave your country of permanent residence for direct travel to Canada (direct travel includes stopovers and layovers), provided travel to Canada does not exceed 48 hours; or, b) The date you arrive in Canada; or, c) Any date after you arrive in Canada. Coverage terminates on the date and time you return permanently to your country of permanent residence.

* These benefits are payable only when pre-approved and arranged by Claims at TuGo.

OPTIONAL ACCIDENTAL DEATH & DISMEMBERMENT:
When this Optional Coverage is purchased, adds to the AD&D coverage up to $100,000 for Air Flight/Common Carrier and $25,000 for 24-hour Accident.

OPTIONAL SPORTS & ACTIVITIES COVERAGE (up to the sum insured):
Applicable to All Ages: When this Optional Coverage is purchased, the company will reimburse you for the reasonable and customary charges for medical and related expenses up to the coverage limits for an acute, sudden and unexpected emergency medical condition while participating in, training or practicing for the following sports or activities, if you select the applicable sport or activity at the time of application:
Backcountry skiing/snowboarding; BASE jumping; Boxing; Downhill freestyle skiing/snowboarding in organized competitions; Downhill mountain biking; Hang gliding/paragliding; High risk snowmobiling; Ice climbing; Mixed martial arts; Motorized speed contests; Mountaineering; Parachuting/skydiving/tandem skydiving; Rock climbing; Scuba diving or free diving over 40 metres; White water sports – Class VI; Wingsuit flying.
Applicable to Insureds 21 years and over only: When this Optional Coverage is purchased, the company will reimburse you for the reasonable and customary charges for medical and related expenses up to the coverage limits for an acute, sudden and unexpected emergency medical condition while participating in, training or practicing on behalf of a registered team, league, association or club; or while competing in a registered tournament, competition or sporting event for the following sports, if you select the applicable sport at the time of application:
Football (American and Canadian); Ice hockey; Rugby.
The charges must result from an emergency that first occurs after coverage commences (including after any applicable waiting period) and while you are travelling outside your country of permanent residence.

ELIGIBILITY: 
At the time of application, you are eligible for coverage if:
1. You know of no reason for which you may seek medical attention.
2. You are:
     a) A foreign worker, international student studying in Canada or a visitor to Canada with valid legal status in Canada; or,
     b) An immigrant awaiting provincial or territorial government health care coverage; or,
     c) A Canadian returning to Canada from an extended leave who is eligible for but not yet covered by a provincial or territorial government health care plan.
3. You are not travelling against a physician or other registered medical practitioner’s advice.
4. You have not been diagnosed with a terminal condition.
5. You are not receiving palliative care or palliative care has not been recommended.
6. You do not have Chronic Obstructive Pulmonary Disease (COPD), including emphysema, requiring home oxygen.
7. You do not have pancreatic cancer, liver cancer or any type of cancer that has metastasized or that required a bone marrow transplant.
8. You do not have kidney disease requiring dialysis.
9. You have not had or are not waiting for an organ transplant.
10. You have not been diagnosed with congestive heart failure also known as pulmonary edema.

WAITING PERIOD for illness: 
   - No waiting period if the insurance is purchased prior to arrival in Canada.
   - 48 hours if the policy is purchased within 60 days after arrival in Canada.
   - 7 days if the policy is purchased after 60 days or more from your arrival in Canada.

PRE-EXISTING CONDITIONS: TuGo will not be liable to provide coverage or services, or to pay claims for expenses incurred directly or indirectly as a result of:
a) Any medical condition which is not stable in the 120 days before the effective date of the policy for insureds who are 59 years and under on the application date.
b) Any medical condition which is not stable in the 180 days before the effective date of the policy for insureds who are 60 to 69 years on the application date. A medical questionnaire is required.
c) Any medical condition which is not stable in the 365 days before the effective date of the policy for insureds who are 70 years and over on the application date. A medical questionnaire is required.

Stable: a medical condition is considered stable when all of the following statements are true:
a) There has been no deterioration of the medical condition as determined by a physician or other registered medical practitioner, and
b) There have been no new symptoms or findings or more frequent or severe symptoms or findings, and
c) There has been no change in treatment by a physician or other registered medical practitioner or any alteration in any medication related to the medical condition, and
d) There has been no new treatment received, prescribed or recommended by a physician or other registered medical practitioner.
Alteration means the medication usage, dosage or type has been increased, decreased or stopped and/or a new medication has been prescribed. Alteration does not include:
a) Changes in brand to an equivalent name brand or to an equivalent generic brand of the same or equivalent usage or dosage; or,
b) Routine dosage adjustments within prescribed parameters for insulin or oral diabetes medication to ensure correct blood levels are maintained; blood sugar levels must be checked regularly and the medical condition must remain unchanged; or,
c) Routine dosage adjustments within prescribed parameters for blood thinner medication to ensure correct blood levels are maintained; blood levels must be checked regularly and the medical condition must remain unchanged; or,
d) A temporary stoppage of blood thinner medication up to a maximum of 24 hours if the stoppage is required for a surgery or a procedure; or,
e) Usage changes due to the combination of several medications into one; the medical condition must remain unchanged.

EXTENSIONS: 
You can extend your period of coverage before your policy expires by calling your agent or TuGo during general business hours.
An administration fee may be charged in addition to the premium for the additional number of days required. You must meet the following conditions:
     1. You have not submitted a claim and have no intent to submit a claim.
     2. Your period of coverage has not already expired.
     3. Extensions are not available if total trip length exceeds two years from the effective date of the original Policy.
     4. You have not seen a physician or other registered medical practitioner since your departure date or the effective date of the Policy.
     5. You are not currently experiencing any symptoms and you do not know of any reason to seek medical attention.
If these conditions haven’t been met, an extension may be authorized at the discretion of TuGo. If an extension has been authorized, there would be no coverage for subsequent claims related directly or indirectly to the condition(s) or symptom(s) for which a claim has been or will be submitted or for which medical treatment was received or required prior to the effective date of the extension. 

SIDE TRIPS: 
Travel outside Canada: Travel worldwide during the period of coverage is valid as long as the majority of the period of coverage is spent in Canada and you have travelled to Canada first before taking additional trips outside of Canada. Visits to your country of permanent residence are permitted; your Policy will not terminate, however, expenses will not be covered while in your country of permanent residence.

REFUNDS: 
Refunds are not available if a claim has been or will be submitted.
Refunds must be requested in writing.
1. When no travel has taken place and the request for refund is received BEFORE the effective date of the Policy, a full refund is available.
2. 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 in the 10 days from the application date of the policy; 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 of the policy but within the 90 days after the expiry date of the Policy.
3. When travel has taken place, a partial refund less an administration fee is available. Refunds are calculated as follows:
    a) From the date the cancellation request is submitted to us, whether or not you have returned to your country of permanent residence or you became eligible and/or covered under a provincial or territorial government health care plan during the period of coverage; or,
    b) From the date you return to your country of permanent residence if a satisfactory proof of return is sent to us and the request is received by us within the 90 days after the expiry date of the Policy; or,
    c) From the date you become eligible and/or covered under a provincial or territorial government health care plan during the period of coverage if a satisfactory proof of the provincial or territorial government health care coverage is sent to us and the request is received by us within the 90 days after the date you became eligible.
4. Applicable to 365-day Policies with a sum insured of $100,000 or more (Super Visa Policies):
    a) A refund is available, subject to a $250 cancellation fee, provided no travel has taken place. For cancellation after the effective date of the Policy, the request must be received within the 90 days after the expiry date of the Policy; or,
    b) If a Super Visa application was denied, a full refund is available before the effective date of the Policy, or a refund less an administration fee is available after the effective date of the Policy, provided the request is received within the 90 days after the expiry date of the Policy. Supporting documentation must be sent to us.

Note: If your Super Visa application is delayed, please contact your agent before the effective date of the Policy to change the coverage dates of your Policy.

CLAIMS:
In the event of a medical emergency, call Claims at TuGo immediately:
To make a claim, simply contact Claims at TuGo 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 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.
You shall be responsible for the verification of any hospital and medical expenses incurred and shall obtain itemized accounts of all hospital and medical services which have been provided.
All claims correspondence should be mailed to:
Claims at TuGo
10th Floor, 6081 No. 3 Road
Richmond, BC, V6Y 2B2
For Online Claim Submission visit www.tugo.com/claims
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 complaints must be submitted within one year after the date of the expense.

EXCLUSIONS: 
Visitor to Canada Emergency Medical Insurance Exclusions: In addition to the General Exclusions shown below, TuGo will not be liable to provide coverage or services, or to pay claims for expenses incurred directly or indirectly as a result of:
1. a) Pre-existing conditions that are not stable in the 120 days before the effective date or the arrival date in Canada, whichever occurs later, for insureds who are 59 years and under on the application date.
b) Pre-existing conditions that are not stable in the 180 days before the effective date or the arrival date in Canada, whichever occurs later, for insureds who are 60 to 69 years on the application date.
c) Any pre-existing conditions for insureds who are 70 years and over on the application date.
2. A trip that is undertaken against a physician’s advice.
3. A trip that is undertaken after the diagnosis of a terminal condition.
4. A medical condition for which symptoms were present or medical treatment was received during a temporary visit to your country of permanent residence during the period of coverage or any condition wholly or partly, directly or indirectly, related thereto.
5. Any expenses incurred as a result of sickness that originated or was symptomatic during the waiting period.
6. Conditions or any related conditions for which, prior to the arrival date in Canada, 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 arrival in Canada. This includes tests or investigation that were recommended or scheduled prior the arrival date in Canada but had not yet taken place.
7. Tests and investigation except when performed at the time of initial emergency sickness or injury.
8. Any medical treatment, other than continuous treatment as specified in the Dental Services Benefit, which is a continuation of or subsequent to an emergency sickness or accident during the same trip, including its recurrence or any complications related directly or indirectly thereto, unless you are declared by an attending physician medically unfit to return to your country of permanent residence, or the country you were travelling or residing in prior to arriving in Canada because the initial emergency had not ended. This exclusion applies whether or not you intend to return to your country of permanent residence or the country you were travelling or residing in prior to arriving in Canada.
9. Loss, theft, breakage of prescription glasses, contact lenses, prosthetic devices, hearing aids and dentures.
10. Medical treatment and expenses incurred while in your country of permanent residence. This exclusion does not apply to a returning Canadian.
11. Emergency sickness or injury incurred if you choose to travel to a destination after a formal written travel warning has been issued by Global Affairs Canada or Public Health Agency of Canada (PHAC) recommending that you avoid all or non-essential travel to that destination during your trip. This exclusion applies if the advisory is issued before the date you leave for your trip and the expenses are directly or indirectly caused by the reason for the travel warning.
12. Your coaching, teaching, participating, practicing or training for any of the sports listed in the optional Contact SportsCoverage, the optional Adventure Sports Coverage or the optional Extreme Sports Coverage. If you have purchased the optional Contact Sports Coverage, the optional Adventure Sports Coverage or the optional Extreme Sports Coverage, refer to those section headings. 

General Exclusions: In addition to the exclusions specified in Visitor to Canada Emergency Medical Insurance Exclusions, this Insurance does not provide payment or indemnity for expenses incurred directly or indirectly as a result of: 
1. a) Applicable to Policies with Trip Cancellation & Trip Interruption and Trip Interruption Only Losses arising out of acts of war or acts of terrorism unless a formal travel advisory and/or travel warning has been issued by the Canadian government after the date the trip is booked or the date the insurance was purchased, whichever occurs later.
b) Applicable to all other plans: Your participation in and/or voluntary exposure to acts of war or acts of terrorism.
2. Death, disablement or injury in any way caused by or contributed by radioactive contamination or by the utilization of nuclear, chemical or biological weapons (whether or not caused by acts of war or acts of terrorism).
3. Your suicide or attempt thereat, self-inflicted injury.
4. Your commission or attempted commission of any crime or offence, based on the law where the cause of the claim occurred.
5. a) Routine pre-natal care;
b) Voluntary termination of pregnancy or resulting complications;
c) Complications related to pregnancy within the nine weeks immediately before the expected delivery date (including the expected delivery date) or the nine weeks after the actual delivery date (including the actual delivery date);
d) Complication related to childbirth within the nine weeks immediately before the expected delivery date (including the expected delivery date) or the nine weeks after the actual delivery date (including the actual delivery date);
e) Childbirth within the nine weeks immediately before the expected delivery date (including the expected delivery date) or the nine weeks after the actual delivery date (including the actual delivery date); or
f) Medical treatment incurred by a newborn child following an unexpected birth during your trip.
6. Any medical condition or recognized complication of a condition, where the purpose of your trip is to seek medical treatment, advice or services, and where the medical evidence indicates the medical treatment, advice or services received are related to that condition.
7. Your coaching, teaching, participating, practicing or training for out-of-bounds skiing, snowboarding, snowshoeing, or non-motorized snow-biking.
8. Psychological disorders, emotional or mental disorders. Acute psychosis is not excluded unless drug, alcohol or medication induced.
9. Ongoing care, rehabilitation or check-ups.
10. Medical treatment, services or supplies provided in a chronic care facility of a hospital or convalescent or nursing home, health spa, or rehabilitation centre.
11. Elective (non-emergency) treatment or surgery.
12. Emergency Air Transportation unless pre-approved and arranged by Claims at TuGo.
13. Any sickness, injury or death that could reasonably be contributed to or caused by your:
a) Intoxication from alcohol consumption (alcohol intoxication is determined either when records indicate that you have reached or exceeded a blood alcohol level of 80 milligrams of alcohol per 100 millilitres of blood or when records indicate that you were intoxicated and no blood alcohol level is specified); or,
b) Abuse of alcohol or misuse of prescription drugs, over the counter medication or other intoxicants, either before or during your trip; or,
c) Consumption or use of illegal or controlled drugs (based on the law where the cause of the claim occurred).
14. Expenses incurred as a result of your failure to accept or follow the physician’s advice, treatment or recommended treatment.
15. Unless otherwise stated in this Policy, expenses incurred if other insurance policies, plans or contracts, including any private or provincial automobile insurance, cover the loss. If, however, the loss exceeds the limits of the other policies, plans or contracts and if this Insurance covers losses and periods not covered by those other policies, plans or contracts, this Insurance shall then apply in excess of all other valid insurance. This exclusion does not apply to Accidental Death and Dismemberment Insurance.
16. Any cancer (other than basal cell or squamous cell skin cancer) for which you received or were recommended to receive cancer treatment in the 3 months prior to the date you leave for your trip. This includes cancer treatment that you were recommended to receive but chose to decline. 

RATES:

- Minimum policy premium is $20.
- The deductible applies per insured, per condition or event.
- Automatic $0 Canadian Deductible (Choice of deductibles: $150; $500; $1,000; $2,500; $5,000; $10,000).

AGE: Coverage is based on the age of the insured at the time of application.

FAMILY & FRIENDS RATE AGES 59 YEARS AND UNDER
A Family & Friends plan is available with the Emergency Medical Insurance plan.
• Coverage is available for up to two individuals 59 years and under and up to six dependent children. The individual(s) named in the Family & Friends plan do not have to be the parent(s) or guardian(s) of the dependent children.
• Dependent children can be on a Family & Friends plan without an adult.
• If you pay the premium for the Family & Friends plan, all insureds must be named in the Policy declaration and will be covered under one Policy.
• All insureds on the Family & Friends plan will remain listed on the Policy until the expiry date of the Policy.
• Insureds on the Family & Friends plan do not need to be travelling together.

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.

DOWNLOADS:


TuGo Visitors Insurance POLICY PDF

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

TuGo supports THiA Bill of Rights. For more information, go to www.thiaonline.com/Travel_Insurance_Bill_of_Rights_and_Responsibilities.html

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