Long Stay Visitors
Trip Cancellation, Interruption and Baggage Package
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Sunday, April 30th, 2017

Non-Medical Package

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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.

- TRIP CANCELLATION - Sum insured prior to departure - Up to the sum insured
- TRIP INTERRUPTION - Sum insured after departure - Up to $25,000
- BAGGAGE LOSS/DAMAGE - up to $500
- BAGGAGE DELAY - up to $200 (for baggage delayed of 12 hours or more for replacement of necessary personal effects)
- Accidental Death and Dismemberment Benefits - In-flight AD&D is $100,000; Non-flight AD&D is $25,000

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:

You are eligible for coverage if you are a visitor to Canada purchasing this single trip insurance as follows:
   1. Prior to arriving in Canada, provided
your trip is booked and Insurance is paid for in Canada; or
   2. After arriving in Canada, for travel anywhere in the world provided insurance is purchased in Canada and travel originates in Canada.

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.

For Trip Cancellation/Trip Interruption Insurance
   - Any pre-existing condition affecting you, your travelling companion or immediate family member, business partner, business associate or host at destination, employer or key employee of any, unless the pre-existing condition was stable during the 60 days prior to the date this Insurance is purchased.
   - Cancellation or interruption caused by or related to a circumstance known to you prior to the date the trip is booked or prior to the date this Insurance is purchased, whichever occurs later, and which may eventually prevent or interrupt travel as booked.
   - A sickness claim occurring within 72 hours after the date this Insurance is purchased if the Policy was purchased more than 72 hours after the transportation and/or commercial accommodations are booked.
   - Terrorist activity.

For Baggage Insurance
   - Loss, damage or theft of animals; self-propelled conveyances of any kind or their equipment; trailers, boats, motors, aircraft or other conveyances or their appurtenances; bicycles except while checked as baggage with a common carrier; household effects and furnishings; artificial teeth and limbs; hearing aids; eye glasses, contact lenses; money (except as provided for currency), securities, tickets and documents; personal entertainment devices including but not limited to portable DVD players, mp3 players including but not limited to iPods, personal computers, software, pagers or cellular phones; professional or occupational equipment or property; antiques and collectors items; property illegally acquired, kept or stored, or transported; works of art, jewellery, furs, cameras or camera equipment.
   - Expenses incurred if other insurance policies, plans or contracts 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.

For Accidental Death and Dismemberment Insurance
   - Terrorist activity


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.

A refund less an administration fee is available only if:
1. The tour operator (airline etc.) cancels the trip and all penalties are waived; or,
2. You cancel the trip prior to the effective date of any cancellation penalties; or,
3. The tour operator changes the travel date and if you are unable to travel on the new dates, the tour operator waives all cancellation penalties.
4. Refunds must be requested in writing.
5. Refunds are not available if a claim has been or will be submitted.

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.


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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