Long Stay Visitors
Trip Cancellation, Interruption and Baggage Package
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Thursday, July 27th, 2017

TuGo 
Non-Medical Package

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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:
- TRIP CANCELLATION *- up to the sum insured as indicated on the application.
- TRIP INTERRUPTION ** - 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 - Air Flight/Common Carrier Accident is $100,000; Non-flight AD&D is limited to $25,000. 

* Trip cancellation means an event occurring prior to your departure date, causing you to cancel your trip.
** Trip interruption means an event occurring on or after your departure date causing you to interrupt or disrupt your trip as originally scheduled or to return earlier or later than your return date.

Coverage commences on the application date for Trip Cancellation & Trip Interruption Insurance. For all other plans, coverage commences on the effective date.

ELIGIBILITY: 
You are eligible for coverage if you are a visitor to Canada purchasing 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.
Applicable to Trip Interruption Insurance Only: To be eligible for coverage this Insurance must be purchased prior to leaving for your trip.

REFUNDS: 
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.

CLAIMS:
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.

Covered Risks:
Benefits will only be payable if the trip has been cancelled or interrupted as a result of one of the following covered risks:
Health
1. Your and/or your travelling companion’s sickness, injury, death or quarantine.
2. Sickness, injury, death or quarantine of your immediate family or your travelling companion’s immediate family.
3. Death or hospitalization of your or your travelling companion’s business partner, or key employer/employee. Death or admission to hospital must occur either within 10 days prior to departure date or anytime during the trip.
4. Quarantine, death or hospitalization of host at final destination.
5. Sickness or injury of your immediate family who is at your final destination.
6. Hospitalization (including home-based palliative care) or death of a family member not travelling with you, that causes you to interrupt your trip before your scheduled return date.
Pregnancy and Adoption
7. You or your travelling companion being notified, after the trip is booked or after the date this Insurance is purchased, whichever occurs later, that the actual date of a legal adoption of a child by you or your travelling companion is scheduled to take place during your trip.
8. You, your spouse’s or your immediate family member’s pregnancy, or your travelling companion’s, your travelling companion’s spouse’s or your travelling companion’s immediate family member’s pregnancy, being diagnosed after the date the trip is booked or after the date this Insurance is purchased, whichever occurs later, if you or your travelling companion’s trip is scheduled to take place in the nine weeks before or after and including the expected date of delivery.
9. Complications of your, your spouse’s or your immediate family member’s pregnancy, or your travelling companion’s, your travelling companion’s spouse’s or your travelling companion’s immediate family member’s pregnancy, occurring within the first 31 weeks of pregnancy.
Employment
10. A cancellation of a business meeting at your final destination beyond your or your employer’s control. Only the travel costs directly related to the business meeting will be reimbursed.
11. You or your travelling companion’s job transfer that results in the relocation of your or your travelling companion’s principal residence of at least 160 km and within 30 days of departure or return (self-employment not applicable).
12. Involuntary loss of your, your spouse’s, your travelling companion’s or your travelling companion’s spouse’s permanent employment (excluding contract or self-employment) if you, your spouse, your travelling companion or your travelling companion’s spouse have been continuously employed by the same employer for at least one year prior to the date the trip is booked or prior to the date this Insurance is purchased, whichever occurs later.
Legal
13. You or your travelling companion being summoned to police, fire or military service (active or reserve).
14. A formal written travel advisory and/or travel warning issued by Global Affairs Canada or Public Health Agency of Canada (PHAC), advising you to “avoid all travel” or “avoid non-essential travel” to your travel destinations, provided such travel advisory/warning was issued after the date your trip is booked or after the date this Insurance is purchased, whichever occurs later, and is still in effect on your scheduled departure date.
15. A formal written travel advisory and/or travel warning issued after your departure by Global Affairs Canada or Public Health Agency of Canada (PHAC) advising you to “avoid all travel” or “avoid non-essential travel” to your travel destinations, provided such travel advisory/warning was issued for your scheduled travel dates and this Insurance was purchased prior to the travel advisory/warning being issued.
16. You or your travelling companion being subpoenaed, after the trip is booked or after the date this Insurance is purchased, whichever occurs later, for jury duty, as a witness, or required to appear at a court proceeding during the period of travel (excluding law enforcement officers).
17. The non-issuance of your or your travelling companion’s travel or student visa (not including an immigration or employment visa) for reasons beyond your or your travelling companion’s control, provided you or your travelling companion were eligible to make such an application.
Delays and Schedule Changes
18. Delay of a connecting common carrier due to weather conditions, earthquakes, volcanic eruptions, mechanical failure of the common carrier, a traffic accident, or an emergency police-directed road closure.
19. Delay of a private vehicle resulting from mechanical failure of that vehicle, weather conditions, earthquakes, volcanic eruptions, a traffic accident, or an emergency police-directed road closure.
20. An accident on the way to the departure point involving a private passenger vehicle in which you are a passenger or driver; or common carrier in which you are a passenger (a police report or written confirmation from the common carrier is required).
21. A schedule change of the airline carrier that is providing transportation for a portion of your trip, causing you to miss a connection.
22. The cancellation or delay of your or your travelling companion’s common carrier, due to weather conditions, earthquakes or volcanic eruptions, for a period of at least 30% of the total duration of the trip, when you choose not to continue with the trip.
23. The cancellation or delay of your travelling companion’s common carrier due to weather conditions, earthquakes or volcanic eruptions, for a period of at least 30% of the total duration of the trip, when you choose to continue with the trip as originally planned without your travelling companion.
Other
24. A natural disaster, which renders your or your travelling companion’s principal residence uninhabitable or place of business inoperative.
25. A natural disaster, which renders your principal residence uninhabitable and that causes you to interrupt your trip before your scheduled return date.
26. An unforeseeable event completely independent of any intentional or negligent act that renders your or your travelling companion’s principal residence uninhabitable or place of business inoperative.

EXCLUSIONS: 
For Trip Cancellation/Trip Interruption Insurance
In addition to the General Exclusions shown below, this Insurance does not cover loss caused by or arising from:
1. A trip booked or for which Insurance is purchased after the diagnosis of a terminal condition.
2. A trip booked or for which Insurance is purchased after you or your travelling companion have been advised by a physician not to travel.
3. Cancellation or interruption caused by or related to a circumstance known to you or any person purchasing insurance on your behalf prior to the date the trip is booked or prior to the date this Insurance is purchased, whichever occurs later, and which eventually prevents or interrupts travel as booked.
4. A sickness or death (other than a death caused by a sudden, unexpected accident) 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.
5. Travel to visit an ailing family member where the medical condition or death of that family member is the cause of the cancellation or interruption of the trip.
6. An early or late return due to sickness or injury, unless ordered in writing by the attending physician that you return to your home province or country of permanent residence.
7. Any pre-existing condition affecting you or your travelling companion or the immediate family member, business partner, business associate, host at destination, employer or key employee of you or your travelling companion, unless the pre-existing condition was stable during the 60 days prior to the date this Insurance is purchased.
8. The non-issuance of a travel or student visa due to late visa application.
9. Tickets that are refundable, when an airline refunds the amount you paid and does not charge you any cancellation penalties.
10. Travel arrangements for which no premium was paid before departure.
11. Cancellation or interruption due to sickness or injury when a physician has not been consulted, or has not advised against travel on or before your departure date and time or date and time of interruption or delay. 

For Baggage Insurance
In addition to the General Exclusions shown below, the company will not be liable to provide coverage or services, or to pay claims for expenses incurred directly or indirectly as a result of:
1. 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 specified under the Currency Benefit), 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.
2. Loss or damage caused by wear and tear, deterioration, moths or vermin.
3. 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.
4. Loss caused by theft from an unattended vehicle unless the vehicle was securely locked and displayed visible signs of forced entry.
5. Any loss caused by or related to a circumstance known to you or to any person purchasing this Policy on your behalf prior to the date this Insurance is purchased. 

For Accidental Death and Dismemberment Insurance
In addition to the General Exclusions shown below, the company 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 trip that is undertaken against a physician’s advice.
2. A trip that is undertaken after the diagnosis of a terminal condition.
3. Expenses incurred if you choose to travel to a destination after a formal written travel advisory and/or 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.
4. Your coaching, teaching, participating, practicing or training for any of the following sports: Australian football, backcountry skiing/snowboarding/ snowshoeing, base jumping, bobsledding, boxing, bull riding/bull fighting, canyoning/canyoneering, downhill freestyle skiing/snowboarding in organized contests, downhill longboarding, downhill mountain biking, downhill skating, endurance activities over 6 hours, flying as a pilot or passenger in a glider or ultralight , football, free diving over 30 metres, hang gliding, high risk snowmobiling, ice climbing, ice hockey, lacrosse, luge/skeleton, motorized speed contests, motorized X Game sports (or those sports in similar type events), mountaineering over 6,000 metres, 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, rodeo, rugby, running with the bulls, scuba diving (if not certified by an internationally recognized and accepted program), scuba diving over 30 metres, snow kiting, stunt/aerobatic flying, ultimate fighting & mixed martial arts and wingsuit jumping/wingsuit flying. 

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.

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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