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.

BENEFITS:
Emergency Medical Expenses maximum benefits: $5,000,000
- Hospital and medical expenses (semi-private accommodation) including one follow-up visit within 14 days of the emergency date (does not include ongoing treatment).
- Physician and surgeon services.
- Ambulance services (including mountain and sea rescue).
- X-ray examinations and diagnostic laboratory procedures.
- Prescription drugs for a maximum of 30 days period.
- 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 and podiatrist up to a maximum limit of $500 per practitioner.
- Emergency air transportation to the nearest medical facility or for return to Canada (pre-approved and arranged by Claims at TuGo).
- Return of insured travelling companion - up to $3,000 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.
- Funeral expenses - up to $10,000 for preparation and return of your body to Canada or up to $4,000 for burial or cremation at the place of death (excluding cost of a burial coffin or urn).
- Escort of insured children (up to the age of 18 years) to the original point of departure, if you have been air evacuated to Canada.
- Family transportation - the cost to bring a family member to you in case you have been hospitalized. The insurance company will pay up to $150 per day for meals and accommodation of this family member.
- Hospital allowance - $50 per day to a maximum of $500 for TV rental and telephone charges while in hospital.
- Additional board and lodging - up to $400 per day to a maximum of $4,000, for accommodation, meals, telephone calls, taxi or bus fare and child care costs for dependants up to the age of 18 years (excluding child care provided by a family member) if you or some of your insured travelling companions have been hospitalized.
- Return of vehicle - up to $4,000 to return your vehicle by a commercial agency in case of a medical emergency.
- Return of insured to destination If you are returned to your home province under the emergency air transportation benefit, the company will pay the cost of a one-way economy airfare to return you to the place where the emergency air transportation commenced. This benefit can only be offered once during the same covered trip, and will not apply after your original expected return date.
- Return of accompanying dog or cat - up to $300 for returning your accompanying dog or cat, if you have been air evacuation back to Canada.

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.

ELIGIBILITY:
 You are eligible for coverage if:
   - You have not yet reached the age of 90 years at the time of application date of the Policy.
   - 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:

PRE-EXISTING CONDITIONS:
 Any pre-existing condition as defined, except as follows: 

Applicable to persons 59 years and under
 a) On trips 35 days and less, except for conditions for which symptoms arose or for which medical consultation was required on the date of departure or at any time within the seven days prior to the date of departure, other than a minor ailment.
 b) On trips over 35 days, any condition which has remained stable in the 90 days prior to the commencement date of a covered trip.

Applicable to persons 60 to 89 years
 a) On all trip lengths, pre-existing conditions must be stable in the 365 days prior to the commencement date of a covered trip.

Pre-existing conditions that do not meet the criteria set out above are not covered.

Multi Trip Annual
During a covered trip and for which a claim has already been paid or is pending. On any subsequent covered trip of more than 35 days, no coverage will apply unless such medical condition which required the medical attention has remained stable as follows:
   a) in the 90 days prior to the commencement date of a covered trip for persons 59 years and under; or,
   b) in the 365 days prior to the commencement date of a covered trip for persons 60 to 89 years.

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:
   -  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.
   - Injury or sickness while scuba diving unless you are certified by an internationally recognized and accepted program (NAUI, PADI).
   - Injury or sickness while participating in professional sport activities.
   - 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).

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.
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.

REFUNDS:
Refunds are not available if a claim has been or will be submitted.

Multi Trip Annual - A full refund is only available if the request for refund is received PRIOR to the effective date or a full refund less an administration fee is available AFTER the effective date, provided no travel has taken place and the request is received no later than 30 days after the effective date of the Policy.

Single Trip
 Refunds are available as follows:
 1. When no travel has taken place:
   a) A full refund is available when the request for refund is received PRIOR to the effective date of the Policy.
   b) A full refund less an administration fee is available when the request for refund is received AFTER the effective date provided the request for refund is received no later than 30 days after the effective date and prior to the expiry date of the Policy.
 2. In the case of early return a partial refund is available if you return to your home province and the refund request is received by TuGo no later than 30 days after your actual return date.
 3. A written request for refund, including proof of return to your home province, must be sent to TuGo. Refunds will be calculated from the date of return. All refunds will be subject to an administration fee.

EXTENSIONS:
To extend your policy while travelling, simply call Claims at 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.  

ABOUT TuGo:

TuGo (former Travel Underwriters) 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.

DOWNLOADS:

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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