Administrated by: TuGo
Underwritten by: Industrial Alliance Insurance and Financial Services Inc.
24h Emergency Assistance Center: Claims at TuGo
The optional Sports Coverage may only be purchased as an endorsement to a Visitors to Canada plan issued by TuGo.
BENEFITS: when this Optional Coverage is purchased, the company will reimburse you for eligible hospital and medical related expenses (up to the sum insured of your Visitors to Canada policy) 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:
- Ice Hockey
- Australian Football
- Flying as a Pilot or Passenger in a Glider or Ultralight
- Backcountry Skiing/ Snowboarding/ Snowshoeing
- 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
- Mountaineering up to 6,000 Metres
- Non-motorized X Game Sports (or those sports in similar type events)
- Parachuting/Skydiving/ Tandem Skydiving (more than one jump per trip)
- Parasailing/Parascending over Land
- Snow Kiting
- Stunt/Aerobatic Flying
- 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
- 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.
- Backcountry means a mountain area that is not marked, not patrolled and/or not cleared for avalanche dangers, but where public access is permitted.
- Downhill freestyle skiing/snowboarding in organized contests means any competition with the following activities: aerials, kite-skiing, mogul or cross competitions, half-pipes and/or slopestyle activities, rails, jumps and other terrain park features.
- Downhill mountain biking means biking down mountain trails or rough mountain terrain (whether as part of a race or not) and often features jumps, drops, rock gardens or other obstacles. It often requires the use of mechanical lifts.
- High risk snowmobiling means racing competitions, endurance events, high-marking and/or snowmobiling in unguided backcountry terrain.
- Motorized speed contest means any motorized vehicle race or timed event by land, air or water.
- Mountaineering up to 6,000 metres means the act of climbing or descending a mountain from a height of 6,000 metres or less using specialized equipment including but not limited to pickaxes, ice axes, anchors, bolts, crampons, carabineers and lead or top rope anchoring equipment.
- Mountaineering over 6,000 metres means the act of climbing or descending a mountain from a height of over 6,000 metres using specialized equipment including but not limited to pickaxes, ice axes, anchors, bolts, crampons, carabineers and lead or top rope anchoring equipment.
- Out-of-bounds means any mountain area that:
a) Has been closed off to public access; or,
b) Has been identified as “out-of-bounds” and/or can typically only be accessed by crossing a fenced, gated or roped-off area that has been marked as off limits according to recommendations of safety authorities in the area.
- Rodeo means an exhibition or contest in which participants showcase their skills in the following activities or events including but not limited to: bronc riding, bareback riding, roping/tying, barrel racing, steer wrestling, chuck wagon racing and/or chariot racing.
BENEFITS (Visitors to Canada):
- Maximum benefits: $25,000; $50,000; $100,000, $150,000 and $200,000
- 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.
- Private duty nursing services.
- Professional medical services of physiotherapist, chiropractor, chiropodist, osteopath, podiatrist and optometrist up to a maximum limit of $500 per practitioner.
- Follow-up visits 3 follow-up visits within the 14 days after the initial emergency medical treatment if necessary.
- 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.
- Return of Deceased (Repatriation) – the preparation and return of your body or ashes to your country of origin or up to $5,000 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 $300 per day to a maximum of $1,500 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 $75 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 Children/Grandchildren - one-way economy airfare to return dependent children or grandchildren travelling with you, if you are returned to your country of permanent residence under the Emergency Air Transportation Benefit or the Repatriation Benefit. *
- Child Care: up to $250 per day to a maximum of $2,500 for child care costs if you are hospitalized.
- Family Transportation: the transportation costs and allowance of $300 per day to a maximum of $1,500 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 $250 per day to a maximum of $2,500 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.
* These benefits are payable only when pre-approved and arranged by Claims at TuGo.
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 Canada V6Y 2B2
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 Sports Coverage, 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.
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 Visitors Insurance POLICY PDF
TuGo is a registered trademark of and is used by North American Air Travel Insurance Agents Ltd.