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Saturday, May 27th, 2017

TuGo
Visitor 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: $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.
 Accidental Death and Dismemberment insurance – up to $25,000 (not applicable to Visitors to Canada Holiday Package). 

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

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)

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 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:
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.

ELIGIBILITY: 
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, 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 returning Canadian not eligible for a provincial or territorial government health care plan due to an extended leave.
       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.

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) 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. 
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 due solely to the availability of your usual brand or due to a change from a brand name medication to an equivalent generic brand medication of the same usage or dosage; and
b) The routine adjustment of the dosage within prescribed parameters to ensure correct blood levels are maintained when you are taking insulin or oral diabetes medication or blood thinner medication such as Coumadin/Warfarin and your blood levels must be checked regularly and your condition remains unchanged; and
c) The usage changes due to the combination of several medications into one and your condition remains 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 in good health 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. 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: 
1. Refunds are not available if a claim has been or will be submitted.
2. When no travel has taken place and the request for refund is received PRIOR to the effective date of the Policy, a full refund is available.
3. 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 within 10 days of the application date; 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 but no later than one year from the expiry date of the Policy.
    c) Refunds must be requested in writing.
4. 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.
    d) Refunds must be requested in writing.
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.
5. 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 no later than one year from the expiry date of the Policy; or,
    b) 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, provided the request is received no later than one year from the expiry date of the Policy. Supporting documentation must be sent to TuGo.
    c) Refunds must be requested in writing.

Note: If your Super Visa application is delayed, please contact your designated representative prior to your Policy effective date 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 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.

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 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. 

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.
   - The deductible applies per insured, per condition or event.
   - $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.
AGE: Coverage is based on the age of the insured at the time of application.

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.
Dependent children mean: all unmarried dependent children up to and including 21 years of age, residing in your household, or up to 25 years if the child is a full-time student attending an educational institution, or of any age if the child is mentally challenged or physically handicapped. Children named in the application need not be travelling with you for coverage to apply to them.

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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