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Sunday, April 30th, 2017

TuGo
Visitor Insurance

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Benefits
Exclusions
Claims
FAQ
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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: $25,000; $50,000; $100,000, $150,000 and $200,000
  - Hospital and medical expenses (semi-private accommodation) including three follow-up visits 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, podiatrist and optometrist up to a maximum limit of $500 per practitioner.
  - Emergency air transportation to the nearest medical facility or for return to your country of permanent residence. This benefit must be pre-approved and arranged by Claims at TuGo.
  - Follow-up visits 3 follow-up visits within the 14 days after the initial emergency medical treatment when deemed medically 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 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).
  - Accidental Death and Dismemberment insurance - $25,000 (not applicable to Visitors to Canada Holiday Package).

OTHER BENEFITS:
  - Visitor To Canada Holiday Package - Single Trip include:
Visitor to Canada Emergency Hospital Medical (Up to the limit of insurance purchased)
Trip Cancellation & Trip Interruption (Up to the limit of insurance if policy was purchased before departure or up to $25,000 after departure.
Air Flight/Common Carrier Accident ($100,000)
24-Hour Accident ($25,000)
Baggage ($500)

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:
ELIGIBILITY: 
You are eligible for coverage if:
   1. You know of no reason for which you may seek medical attention.
   2. You are a visitor to Canada, an immigrant awaiting provincial government health care coverage, or a returning Canadian.
   3. The expenses you incur result from an acute, sudden and unexpected emergency.
   4. You are not travelling against a physician's advice; or,
   5. You have not been diagnosed with a terminal condition.
DEDUCTIBLE:

This plan includes a $150 per claim deductible with a buy-out option. The surcharge for $0 deductible is 15%.
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 61 days or more after 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) 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.
Stable medical condition means that within the period specified in this Policy:
   a) There has been no deterioration of your condition as determined by your physician, and
   b) There have been no new symptoms or findings or more frequent or severe symptoms or findings, and
   c) There have been no symptoms experienced by you related to the condition that remains undiagnosed, and
   d) There has been no change in medical treatment, and,
   e) There has been no alteration in any medication for the condition, and
   f) There has been no new medical treatment prescribed or recommended by a physician or received. 

PREGNANCY: This Insurance does not provide payment or indemnity for expenses incurred directly or indirectly as a result of:
   - Routine pre-natal care;
   - Voluntary termination of pregnancy or resulting complications;
   - Childbirth, complications related to pregnancy or childbirth occurring within the nine weeks immediately before or after and including the expected date of delivery;
   - Medical treatment incurred by a newborn child following the unexpected birth during your trip.

This Insurance does not provide payment or indemnity for expenses incurred directly or indirectly as a result of:
- Routine pre-natal care;
- Voluntary termination of pregnancy or resulting complications;
- Childbirth, complications related to pregnancy or childbirth 
occurring within the nine weeks immediately before or after 
and including the expected date of delivery;
- Medical treatment incurred by a newborn child following the 
unexpected birth during your trip.
OTHER EXCLUSIONS:
   - Non-emergency treatment, regular checkups, ongoing care and investigative consultation.
   - Medical treatment and expenses incurred while in your country of permanent residence.
   - Any subsequent claim with respect to a sickness or injury, which occurred during the effective term of this insurance and for which a claim has already been make or is pending.
   - Emotional or mental disorders.
   - Injury or sickness while participation in professional sport activities.
   - Conditions for which, prior to thearrival 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.
   - Expenses incurred as a result of your failure to accept or follow the physician’s advice, treatment or recommended treatment.
   - 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).

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.

FAQ:
REFUNDS:
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 refund less an administration fee is available when the request for refund is received AFTER the effective date of the Policy, provided the request for refund is received no later than one year from the expiry date of the Policy.
c) 365-day policies with a sum insured of $100,000 or more (Super Visa Policies) are 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 no later than one year from the expiry date of the Policy; or
d) If a Super Visa application was denied, a full refund is available prior to the effective date of the Policy, or a refund less an administration fee is available after the effective date of the Policy. Supporting documentation must be sent to TuGo.
2 .  A partial refund is available if:
a) You return to your country of permanent residence or,
b) You become eligible and/or covered under a provincial or territorial government health care plan during the period of coverage .
c) A satisfactory proof of return to your country of permanent residence or proof of the date you became eligible and/or covered under a provincial or territorial government health care plan, is sent to TuGo .
All refund requests must be received by TuGo no later than one year from the date you became eligible and/or covered under a provincial or territorial government health care plan.
Refunds will be calculated from the date you return to your country of permanent residence or the date you become eligible and/or covered under a provincial or territorial government health care plan.
All partial refunds will be subject to an administration fee..
3 .  Refunds must be requested in writing .
4 .  Refunds are not available if a claim has been or will be submitted

EXTENSIONS:
You can extend your period of coverage by calling your broker or TuGo if you meet the following conditions:
   - You are in good health.
   - You have not seen a physician since your departure date or the effective date of the policy.
   - You have not submitted a claim and have no intent to submit a claim.
   - Your period of coverage has not already expired.
   - Extensions are not available if total trip length exceeds two years from the effective date of the original policy.

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. 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.

OPTIONAL COVERAGES:
Sports Coverage - 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 polcy) 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: Ice Hockey; Lacrosse; Boxing; Football; Australian Football; Rugby
- Adventure Sports: 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 Metres; 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: 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.

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.

RATES:

Single Person rates

Age/Sum

$25,000

$50,000

$100,000

$150,000

$200,000

0 - 40

$2.44

$2.69

$4.11

$4.26

$6.29

41 - 59

$2.81

$3.14

$5.15

$5.60

$6.97

60 - 64

$4.80

$5.62

$6.47

$7.06

$8.40

65 - 69

$4.94

$5.99

$8.04

$8.99

$9.95

70 - 74

$6.88

$7.97

$9.54

$11.27

$12.45

75 - 79

$7.22

$8.56

$10.07

$12.59

$14.31

80 - 84

$7.35

$8.61

$10.60

$13.91

$15.90

85 - 89

$9.27

$11.91

$13.25

$15.36

$17.47

90+ years $12.05 $15.50 $17.22 $19.96 $22.73

Two Person Rates (based on age of oldest person)

0 - 40

$4.38

$4.86

$7.39

$7.66

$11.31

41 - 59

$5.04

$5.66

$9.26

$10.08

$12.54

60 - 64

$9.57

$11.17

$12.88

$14.03

$16.68

Family Rates (based on age of oldest person)

0 - 40

$7.19

$8.97

$12.27

$15.13

$19.59

41 - 59

$7.67

$9.19

$13.70

$16.80

$20.36

NOTES:
   - minimum policy premium is $20.
   - if the policy is purchased within 60 days of arrival in Canada, a 48 hour waiting period on sickness applies.
   - if the policy is purchased after 60 days of arrival in Canada, a 7 day waiting period on sickness applies.
   - no waiting period if the policy is purchased before arrival in Canada.
   - $150 Canadian Deductible (0 deductible add 15%; 10% discount for $1,000 deductible; 20% discount for $2,500 deductible; 25% discount for $5,000 deductible; 35% discount for $10,000 deductible.
no coverage for pre-existing conditions (please review policy wording), new conditions only.

FAMILY RATES AGES 59 YEARS AND UNDER

   - based on age of eldest person
   - includes insured and spouse and all unmarried dependent children 21 years and under.
   - Children travelling without an adult are eligible for a family plan.

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. 

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