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Friday, December 15th, 2017

TuGo 
Students Insurance

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Benefits
Exclusions
Claims
FAQ
Rates
Downloads

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 limit - $2,000,000  
  - Hospital - semi-private accommodation.
  - Physician services.
  - Private duty nursing services up to $15,000.
  - Ambulance services including mountain and sea rescue or up to $125 for taxi, if ambulance is required, but not available.
  - X-ray examinations and diagnostic laboratory procedures.
  - Prescription drugs - up to $10,000 for a maximum of 30 day supply.
  - Medical appliances - including but not limited to wheelchairs, crutches and canes. 
  - Professional medical services of physiotherapist, chiropractor, chiropodist, osteopath, podiatrist, acupuncturist, naturopath and speech therapist up to a maximum limit of $600 per practitioner.
  - Emergency air transportation - the cost of stretcher or air evacuation to the nearest medical facility or for return to your country of permanent residence and the cost of a return airfare for a medical attendant, if necessary. *
  - Accidental dental, maximum $5,000 for the repair or replacement of whole or sound teeth. 
  - Emergency dental, maximum $600 for a pain relief, other than caused by an accident.
  - Wisdom Teeth - extraction of impacted wisdom teeth, up to $150 per tooth.
  - Repatriation in the event of your death - up to $15,000 for preparation and return of your body to your country of origin or up to $5,000 for burial or cremation at the place of death (excluding cost of a burial coffin or urn). Up to $5,000 for transportation costs of one family member to go to the place of your death to identify your body, and $150 per day up to $1,500 for meals and commercial accommodation.
  - Non Emergency Treatment - up to $3,000 per policy for non-emergency medical treatment, following an emergency.
  - Annual Physician visit - up to $150 for one visit to a physician for a general check-up or one consultation session and prescription of the ‘morning after pill’ over a 12 consecutive month period.
  - Eye Examination- one visit to optometrist or ophthalmologist per 12 months.
  - Maternity Benefit - up to $25,000 for pre-natal care if pregnancy commenced during period of coverage. (The childbirth and post-natal care are EXCLUDED from the maternity benefit).
  - Psychiatric/ Psychological Benefit - up to $1,000 for out-patient care by Psychiatrist or Psychologist following an emergency. Up to $10,000 for in-patient hospitalization due to psychiatric, psychological, mental or emotional disorders.
  - Family Transportation benefit of up to $5,000 for transportation of a family member and up to $150 per day (maximum $1,500) for meals and accommodation in the event of your hospitalization if an attending physician considers it necessary. *
  - Prescription Glasses/Contact Lenses/ Hearing Aids - up to $200 for prescription glasses, contact lenses and hearing aids required as a result of an accident. This benefit does NOT cover the repair or replacement of prescription glasses, contact lenses and/or hearing aids.
   - Tutorial Services - up to $20/hour to a maximum of $400 for the costs of a qualified private tutorial service in the event you are hospitalized for 30 consecutive days or more.
   - Accidental Death and Dismemberment insurance – up to $10,000.
Optional Benefits:
  - Accidental Death and Dismemberment insurance (24-Hour Accident) - $25,000 
  - Air Flight/Common Carrier Accident - Maximum limit $100,000

* This benefit must be pre-approved and arranged by Claims at TuGo.

ELIGIBILITY:
You are eligible for coverage if:
1. You are 69 years and under at the time of application date of the Policy; and,
2. You are a student enrolled in a school within Canada; or,
3. You are an accompanying family member of the student residing in Canada; and,
4. You are not insured under a provincial or territorial government health care plan. If you become eligible for and insured under the government health care plan of the province or territory in which you study, the Insurance will then apply in excess of this provincial or territorial government health care plan; and,
5. You are not travelling against a physician’s advice and you have not been diagnosed with a terminal condition. Terminal condition means a medical condition, for which, prior to the commencement date of the covered trip, a physician has given you a terminal prognosis with a life expectancy of 12 months or less.
- Your coverage terminates 60 days after the date you are no longer enrolled in a school within Canada.
- When you are enrolled in a school, coverage will be provided during school breaks as long as your Policy is in effect during these periods. 

PRE-EXISTING CONDITIONS: the company will not be liable to provide coverage, services, or to pay claims for expenses incurred directly or indirectly as a result of any pre-existing condition with the exception of any condition which has remained stable in the 90 days prior to the effective date of the Policy. Pre-existing conditions that do not meet the criteria set out above are not covered.

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 due solely to the availability of your usual brand or due to government regulations regarding reference-based pricing.

EXTENSIONS: 
You can extend your period of coverage before your Policy expires by calling your agent. You must meet the following conditions:
1. You have not seen a physician or other registered medical practitioner since your departure/arrival date or the effective date of your Policy;
2. You do not have a claim;
3. You are in good health and you do not know of any reason to seek medical attention;
4. Your period of coverage has not already expired;
5. The maximum period of coverage including extensions is 365 consecutive days from the effective date.

SIDE TRIPS: 
Travel worldwide during the period of coverage is valid as long as the majority of the period of coverage is spent in Canada. Visits to your home country are permitted; your Policy will not terminate, however expenses will not be covered while in your home country.

REFUNDS: 
Refunds are not available if a claim has been or will be submitted.
Full Refunds
A full refund is available if:
1. The entire Policy is cancelled prior to the effective date; or,
2. The entire Policy is cancelled after the effective date but no travel has taken place and the request is received within 10 days of the application date; or,
3. You have not arrived to Canada; or,
4. Your student visa for entry to Canada is refused;
5. You arrived in Canada or country of study, but entry into Canada is denied. Refund requests must be submitted to TuGo within 45 days from the effective date.
Partial Refunds
Requests for partial refunds must be received no later than 30 days after the expiry date of the Policy. Partial refunds are available after the Policy has gone into effect if:
1. You have returned permanently to your home country; or,
2. You become eligible and covered under a provincial or territorial government health care plan; or,
3. You are no longer enrolled in a school within Canada.
Refunds are subject to an administration fee.
Refunds will be calculated from the date of permanent return to your home country, or from the date you became covered under a provincial or territorial government health care plan or the date you are no longer enrolled in a school within Canada or your country of study. Refunds will not be issued if the amount is $10 or less per 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 must 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 must 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

EXCLUSIONS: 
In addition to the general exclusions, the company will not be liable to provide coverage, services, or to pay claims for expenses incurred directly or indirectly as a result of:
1. Any pre-existing condition as defined with the exception of any condition which has remained stable in the 90 days prior to the effective date of the Policy. Pre-existing conditions that do not meet the criteria set out above are not covered.
2. Medical treatment and expenses incurred while in your home country.
3. A medical condition which originated while visiting your home country during the period of coverage or any condition wholly or partly, directly or indirectly, related thereto.
4. Voluntary termination of pregnancy or resulting complications; post-natal care, and childbirth or resulting complications.
5. Medical expenses incurred by an infant 14 days old or less.
6. A trip that is undertaken:
  a) against physician’s advice; or,
  b) after diagnosis of a terminal condition.
7. Loss or repair of or damage to eyeglasses, contact lenses, prosthetic devices, hearing aids.
8. Conditions or any related conditions for which, prior to your arrival date in Canada, testing or investigative consultation took place, was scheduled to take place or was recommended for the purpose of establishing a diagnosis (not including routine check-up or routine monitoring for a stable condition), and for which results had not yet been received at the time of departure from your home country. This includes tests, which were recommended or scheduled prior to departure, but had not yet taken place at the time of departure.
9. Test and investigative consultation including, but not limited to biopsies, except when performed at time of emergency sickness or injury; except as specified under the section Hospital/Medical Insurance, heading Benefits, Non emergency treatment.
10. Any medical treatment which is a continuation of an emergency sickness or accident, unless you are declared by an attending physician medically unfit to return to your home country; except as specified under the section Hospital/Medical Insurance, heading Benefits, Non emergency treatment.
11. Elective treatment or surgery. (Elective treatment or surgery means any medical treatment, test, investigations or surgery: a) not required for the immediate relief of acute pain and suffering; which, if not rendered, would not result in you being in continued danger; or, b) which reasonably could be delayed until you return to your home country; or, c) which you elect to have provided during an insured trip following emergency medical treatment of a medical condition or the diagnosis of a medical condition which, on medical evidence, would not prevent you from returning to your home country prior to such treatment or surgery.)
12. Non emergency treatment or surgery except as specified under the section Hospital/Medical Insurance, heading Benefits, Non emergency treatment.
13. Any medical condition or recognized complication of a condition, where the purpose of your trip is to seek medical treatment or advice for that condition, and where the medical evidence indicates the medical treatment is related to that condition.
14. Treatment, service or prescriptions required for ongoing care, or provided in a chronic unit of a general hospital, convalescent or nursing home, health spa, or rehabilitation centre, or checkups except as specified under the section Hospital/Medical Insurance, heading Benefits, Annual physician visit.
15. A medical condition for which treatment or hospitalization could have reasonably been expected.
16. Any subsequent claim of the same medical condition or related condition with respect to a sickness or injury which occurred during a covered trip.
17. Emergency air transportation unless pre-approved and arranged by Claims at TuGo.
18. Expenses incurred after emergency air transportation, when the emergency air transportation was not preapproved and arranged by Claims at TuGo.
19. Expenses incurred as a result of your failure to accept or follow a physician’s advice, treatment or recommended treatment.
20. Any condition(s) for which you are registered on a waiting list in your home country for treatment or diagnosis.
21. Any amount which would be payable under the government health care plan of your province or territory of study, if you are purchasing this plan as a supplement to any other primary insurance plan or contract.

General Exclusions
In addition to the exclusions specified under each Insurance coverage, the company will not provide coverage, services or pay claims for expenses incurred directly or indirectly as a result of:
1. a) War, civil war, riot, rebellion, insurrection, revolution, invasion, hostilities or warlike operations (whether war be declared or undeclared), civil commotion, overthrow of the legally constituted government, military or usurped power, explosions of war weapons, utilization of nuclear, chemical or biological weapons;
   b) Death or disablement in any way caused by or contributed by radioactive contamination; or
   c) Any action taken in controlling, preventing or suppressing any, or all of a) or b) above.
2. Suicide or attempt thereat, self-inflicted injury, or the commission or attempted commission of any crime or offence.
3. Scuba diving unless you hold a basic scuba designation from a certified school or other licensing body.
4. Participation in any sport as a professional athlete (person engaging in a specific activity from which they earn the majority of their income) or while participating in any motorized sporting events, racing or speed contest, hang-gliding, bungee jumping, rock or cliff climbing, paragliding, skydiving, parachuting or mountaineering. (Mountaineering means the act of climbing or descending from a mountain using specialized equipment including but not limited to pickaxes, ice axes, anchors, bolts, crampons, carabineers and lead or top rope anchoring equipment. Mountaineering includes but is not limited to rock climbing, snow and ice climbing.)
5. Psychotherapeutic treatment or rehabilitative treatment, psychological, emotional or mental disorders, except as specified under the section Hospital/Medical Insurance, heading Benefits, Psychiatric/psychological. (Emotional or mental disorder means an emotional upset or condition, state of anxiety, situational crisis, anxiety or panic attack, or other mental health disorders that may be treated with tranquilizers or anti-anxiety medication.)
6. 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.
7. A condition arising out of or resulting from Acquired Immune Deficiency Syndrome (“AIDS”) or AIDS Related Complex (“ARC”) if the condition first manifested itself prior to the effective date of coverage or if the condition arose out of Human Immunodeficiency Virus (“HIV”) which had first been diagnosed or that manifested itself prior to the effective date.
8. 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 if this insurance covers losses or periods not covered by those other policies, plans or contracts, this Insurance shall then apply in excess of all other valid insurance.

This Insurance provides no coverage and no insurer shall be liable to pay any claim or provide any benefit hereunder to the extent that the provision of such coverage, payment of such claim or provision of such benefit would expose that insurer to any sanctions, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of the European Union, United Kingdom or United States of America.

 RATES:

Medical and Hospital
Days: 1-366 days
Age:
(69 and under)
$2.08
Accidental Death and Dismemberment (optional)
$20.00 per policy per person

- Minimum 10 days, Maximum - 365 days (or 366 days for leap years).
- Family Rates (Age 0-40) are $1.98 per day per person in the family.

- Dependent children means all unmarried dependent children up to and including 21 years of age residing with you in Canada or up to 25 years if the child is a full time student attending a school in Canada; or if the child is mentally challenged or physically handicapped.

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:

Travel Underwriters International Student POLICY PDF

 

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