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Tuesday, March 09th, 2021

COVID-19 UPDATE: COVID-19 coverage is excluded for any Side Trip that is taken outside of Canada commencing March 13, 2020 or later.

TuGo
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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: $10,000; $25,000; $50,000; $100,000, $200,000 and $300,000.
  - 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.
  - Fracture Treatment - up to $1,000 for cast removal, physiotherapy, X-ray, re-examination or re-casting, if medically necessary.
  - Private duty nursing services.
  - Professional medical services of physiotherapist, chiropractor, chiropodist, osteopath, podiatrist, optometrist and acupuncturist up to a maximum limit of $600 per practitioner.
  Follow-up visits 5 follow-up visits within the 14 days after the initial emergency medical treatment if necessary.
  - Accidental dental, maximum $6,000 for the repair or replacement of whole or sound teeth. 
  - Emergency dental, maximum $600 for a pain relief, other than caused by an accident.
  - Return of Deceased (Repatriation): the preparation and return of your body or ashes to your country of origin or up to $6,000 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 $400 per day to a maximum of $2,000 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 $100 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 Dependent Children: cost of airfare and a chaperone to return dependent children travelling with you back home, if you are returned to your country of permanent residence under the Emergency Air Transportation Benefit or the Repatriation Benefit. *
  - Child Care: up to $500 per day to a maximum of $5,000 for child care costs if you are hospitalized.
  - Family Transportation: the transportation costs and allowance of $400 per day to a maximum of $2,000 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 $500 per day to a maximum of $5,000 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.
  - Return of Vehicle: up to $2,500 to return a vehicle that you own or rent if you are incapable of continuing your trip by means of the vehicle used to depart from your country of permanent residence. *
  - Maternity: up to a maximum of $6,000 for pre-natal care, delivery and/or complications thereof arising within the nine weeks before the expected date of delivery, provided the pregnancy commenced after the effective date of the Policy.
  - Flight to/from Canada coverage: The effective date can be either: a) The date you leave your country of permanent residence for direct travel to Canada (direct travel includes stopovers and layovers), provided travel to Canada does not exceed 48 hours; or, b) The date you arrive in Canada; or, c) Any date after you arrive in Canada. Coverage terminates on the date and time you return permanently to your country of permanent residence.

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

OPTIONAL ACCIDENTAL DEATH & DISMEMBERMENT:
When this Optional Coverage is purchased, adds to the AD&D coverage up to $100,000 for Air Flight/Common Carrier and $25,000 for 24-hour Accident.

OPTIONAL SPORTS & ACTIVITIES COVERAGE (up to the sum insured):
Applicable to All Ages: When this Optional Coverage is purchased, the company will reimburse you for the reasonable and customary charges for medical and related expenses up to the coverage limits for an acute, sudden and unexpected emergency medical condition while participating in, training or practicing for the following sports or activities, if you select the applicable sport or activity at the time of application:
Backcountry skiing/snowboarding; BASE jumping; Boxing; Downhill freestyle skiing/snowboarding in organized competitions; Downhill mountain biking; Hang gliding/paragliding; High risk snowmobiling; Ice climbing; Mixed martial arts; Motorized speed contests; Mountaineering; Parachuting/skydiving/tandem skydiving; Rock climbing; Scuba diving or free diving over 40 metres; White water sports – Class VI; Wingsuit flying.
Applicable to Insureds 21 years and over only: When this Optional Coverage is purchased, the company will reimburse you for the reasonable and customary charges for medical and related expenses up to the coverage limits for an acute, sudden and unexpected emergency medical condition while participating in, training or practicing on behalf of a registered team, league, association or club; or while competing in a registered tournament, competition or sporting event for the following sports, if you select the applicable sport at the time of application:
Football (American and Canadian); Ice hockey; Rugby.
The charges must result from an emergency that first occurs after coverage commences (including after any applicable waiting period) and while you are travelling outside your country of permanent residence.

ELIGIBILITY: 
At the time of application, 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, international student studying in Canada 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 Canadian returning to Canada from an extended leave who is eligible for but not yet covered by a provincial or territorial government health care plan.
3. You are not travelling against a physician or other registered medical practitioner’s advice.
4. You have not been diagnosed with a terminal condition.
5. You are not receiving palliative care or palliative care has not been recommended.
6. You do not have Chronic Obstructive Pulmonary Disease (COPD), including emphysema, requiring home oxygen.
7. You do not have pancreatic cancer, liver cancer or any type of cancer that has metastasized or that required a bone marrow transplant.
8. You do not have kidney disease requiring dialysis.
9. You have not had or are not waiting for an organ transplant.
10. You have not been diagnosed with congestive heart failure also known as pulmonary edema.

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) Any medical condition which is not stable in the 120 days before the effective date of the policy for insureds who are 59 years and under on the application date.
b) Any medical condition which is not stable in the 180 days before the effective date of the policy for insureds who are 60 to 69 years on the application date. A medical questionnaire is required.
c) Any medical condition which is not stable in the 365 days before the effective date of the policy for insureds who are 70 years and over on the application date. A medical questionnaire is required.

Stable: a medical condition is considered stable when all of the following statements are true:
a) There has been no deterioration of the medical condition as determined by a physician or other registered medical practitioner, and
b) There have been no new symptoms or findings or more frequent or severe symptoms or findings, and
c) There has been no change in treatment by a physician or other registered medical practitioner or any alteration in any medication related to the medical condition, and
d) There has been no new treatment received, prescribed or recommended by a physician or other registered medical practitioner.
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 to an equivalent name brand or to an equivalent generic brand of the same or equivalent usage or dosage; or,
b) Routine dosage adjustments within prescribed parameters for insulin or oral diabetes medication to ensure correct blood levels are maintained; blood sugar levels must be checked regularly and the medical condition must remain unchanged; or,
c) Routine dosage adjustments within prescribed parameters for blood thinner medication to ensure correct blood levels are maintained; blood levels must be checked regularly and the medical condition must remain unchanged; or,
d) A temporary stoppage of blood thinner medication up to a maximum of 24 hours if the stoppage is required for a surgery or a procedure; or,
e) Usage changes due to the combination of several medications into one; the medical condition must remain 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 not currently experiencing any symptoms 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 and you have travelled to Canada first before taking additional trips outside of 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: 
Refunds are not available if a claim has been or will be submitted.
Refunds must be requested in writing.
1. When no travel has taken place and the request for refund is received BEFORE the effective date of the Policy, a full refund is available.
2. 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 in the 10 days from the application date of the policy; 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 of the policy but within the 90 days after the expiry date of the Policy.
3. When travel has taken place, a partial refund less an administration fee is available. Refunds are calculated as follows:
    a) From the date the cancellation request is submitted to us, whether or not you have returned to your country of permanent residence or you became eligible and/or covered under a provincial or territorial government health care plan during the period of coverage; or,
    b) From the date you return to your country of permanent residence if a satisfactory proof of return is sent to us and the request is received by us within the 90 days after the expiry date of the Policy; or,
    c) From the date you become eligible and/or covered under a provincial or territorial government health care plan during the period of coverage if a satisfactory proof of the provincial or territorial government health care coverage is sent to us and the request is received by us within the 90 days after the date you became eligible.
4. 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 within the 90 days after the expiry date of the Policy; or,
    b) If a Super Visa application was denied, a full refund is available before 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 within the 90 days after the expiry date of the Policy. Supporting documentation must be sent to us.

Note: If your Super Visa application is delayed, please contact your agent before the effective date of the Policy 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 or 800-681-8070
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, V6Y 2B2
For Online Claim Submission visit www.tugo.com/claims
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 complaints must be submitted within one year after the date of the expense.

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. Any complications that develop after departure, related to a pre-existing medical condition that was not stable on or before the effective date of the Policy. For stability requirements, refer to the Pre-existing Medical Condition Stability Exclusion.
2. Any claim incurred after a physician advised you not to travel.
3. Any claim incurred after any other registered medical practitioner advised you not to travel.
4. A trip that is undertaken after the diagnosis of a terminal condition.
5. A trip that is undertaken while you are receiving palliative care or after palliative care has been recommended.
6. Medical conditions or any related medical conditions for which, before the effective date of the Policy, diagnostic tests took place, were scheduled to take place or were recommended and for which results had not yet been received on or before the effective date of the Policy. This includes diagnostic tests that were scheduled or were recommended on or before the effective date of the Policy, but had not yet taken place on or before the effective date of the Policy. This exclusion does not apply to: a) Tests to monitor an existing medical condition if there have been no new or more frequent symptoms, whether or not results have been received; or, b) Screening tests intended to prevent illness or to detect medical conditions before symptoms are noticed, whether or not results have been received.
7. Medical conditions or any related medical conditions for which, on or before the effective date of the Policy, tests to follow up on the effectiveness or response to a procedure, surgery or hospitalization are scheduled to take place or recommended. This includes tests that were scheduled or recommended on or before the effective date of the Policy, but had not yet taken place on or before the effective date of the Policy.
8. Medical conditions or any related medical conditions for which before the effective date of the Policy, medical procedures, surgeries and/or referrals to a specialist were scheduled to take place or were recommended but had not yet taken place at the time of the effective date of the Policy.
9. Emotional or mental illness or disorders, unless they result in hospitalization.
10. Acute psychosis if drug or alcohol induced.
11. Any cancer (other than basal cell or squamous cell skin cancer and/or cancer that is in remission) for which you received or were recommended to receive active cancer treatment on or within the 90 days before the effective date of the Policy. This includes active cancer treatment that you were recommended to receive but chose to decline.
12. Tests and investigation except when performed at the time of initial emergency medical condition.
13. Any expenses incurred as a result of a disease or illness that originated or was symptomatic during the waiting period.
14. The continued treatment, recurrence or complication of a medical condition or related condition, following emergency treatment during your trip, if we determine that your emergency has ended, unless otherwise specified in a benefit.
15. a) Any medical condition, including symptoms of withdrawal, arising from, or in any way related to, your chronic use of alcohol, drugs or other intoxicants whether prior to or during your trip. b) Any medical condition arising during your trip from, or in any way related to, the misuse or abuse of drugs or other intoxicants, or to the use or abuse of alcohol when you have reached a blood alcohol level of 80 milligrams of alcohol per 100 millilitres of blood or when records indicate you were intoxicated and no blood alcohol level is specified.
16. Expenses incurred for emergency air transportation and any expenses incurred after emergency air transportation, when the emergency air transportation was not arranged by us.
17. Any medical condition or related expenses if we determine that you should transfer to another facility or could return to your country of permanent residence for treatment, and you choose not to, benefits will not be paid for further treatment related to the medical condition.
18. An official travel advisory issued by a Canadian government stating to avoid optional, discretionary and/or non-essential travel into Canada, before the date you arrive in Canada. If an official travel advisory is issued for a province/territory, region or city within Canada after you have already arrived to that province/territory, region or city, your coverage for an emergency or a medical condition related to the travel advisory in Canada will be limited to a period of 30 days from the date the travel advisory was issued. We may extend this coverage beyond 30 days if authorized at our discretion. To view the travel advisories, visit the Government of Canada Travel site. This exclusion does not apply to claims for an emergency or a medical condition unrelated to the travel advisory.
This exclusion does not apply to claims incurred for COVID-19 (coronavirus), unless there is an official travel advisory issued by a Canadian government stating to avoid all travel into Canada.
If you are a foreign worker, international student studying in Canada, an immigrant awaiting provincial or territorial government health care coverage or a Canadian returning to Canada, coverage for an emergency or a medical condition related to the travel advisory, will remain in place until your policy expires.
For Travel Outside of Canada
An official travel advisory issued by a Canadian government stating to “avoid all travel” or “avoid non-essential travel” regarding the country, region or city of your destination, before the date you travel to that destination (including any stopovers, layovers or any other destinations you are transiting through). To view the travel advisories, visit the Government of Canada Travel site.
If an official travel advisory is issued while you are travelling outside of Canada for the country, region or city of your destination after you have already arrived to that country, region or city, your coverage for an emergency or a medical condition related to the  travel advisory in that specific destination will be limited to a period of 30 days from the date the travel advisory was issued. We may extend this coverage beyond 30 days if authorized at our discretion.
This exclusion does not apply to claims for an emergency or a medical condition unrelated to the travel advisory.
This exclusion does not apply to claims incurred for COVID-19 (coronavirus), unless there is an official travel advisory issued by a Canadian government stating to “avoid all travel”.
19. A medical condition for which symptoms arose or worsened or for which treatment by a physician or other registered medical practitioner was received during a temporary visit to your country of permanent residence during the period of coverage or any medical condition wholly or partly, directly or indirectly, related thereto. This exclusion does not apply if the treatment was for either: a) The unchanged use of prescribed drugs or medication for a stable medical condition, symptom or problem; or, b) A check-up where the physician or other registered medical practitioner observes no change in a previously noted medical condition, symptom or problem.
20. Treatment by a physician or other registered medical practitioner and expenses incurred while in your country of permanent residence or the country you were travelling or residing in before arriving in Canada. This exclusion does not apply to a returning Canadian.
21. Loss, theft, breakage of prescription glasses, contact lenses, prosthetic devices, hearing aids and dentures.
22. Your participating, training or practicing for the following sports or activities unless you have paid the applicable surcharge(s) for the Sports & Activities Coverage as shown on your Policy declaration: Backcountry skiing/snowboarding; Base jumping; Boxing; Downhill freestyle skiing/snowboarding in organized competitions; Downhill mountain biking; Hang gliding/paragliding; High risk snowmobiling; Ice climbing; Mixed martial arts; Motorized speed contests; Mountaineering; Parachuting/skydiving/tandem skydiving; Rock climbing; Scuba diving or free diving over 40 metres; White water sports – Class VI; Wingsuit flying.
23. Your participating, training or practicing as part of a registered team, league, association or club; or while competing in a registered tournament, competition or sporting event for the following sports or activities, if you are 21 years of age and over, unless you have paid the applicable surcharge(s) for the Sports & Activities Coverage as shown on your Policy declaration: Football (American and Canadian); Ice hockey; Rugby.

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. 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. Any medical condition that is the result of you not following treatment as prescribed to you, including prescribed or over the counter medication.
4. Consumption or use of illegal or controlled drugs (based on the law where the cause of the claim occurred).
5. Your participating, training or practicing in any mountain areas that have been closed off to public access or that have been identified as “out-of-bounds” and/or can typically only be accessed by crossing a fenced, gated or roped-off area that has been marked as off limits according to recommendations of safety authorities in the area for the following activities: Backcountry skiing/snowboarding; Downhill freestyle skiing/snowboarding in organized competitions; High risk snowmobiling; Ice climbing; Mountaineering; Rock climbing; Your participating in, training or practicing for any of the following sports or activities; Barrel racing; Bronc riding; Bull riding; Chariot racing; Chuck wagon racing; Harness racing; Rodeo bareback racing; Rodeo clowning; Rodeo team roping; Steer wrestling/chute dogging; Trick riding.
7. A trip made for the purpose of obtaining a diagnosis, treatment, surgery, investigation, palliative care, or any alternative therapy, as well as any directly or indirectly-related complication.
8. a) Routine pre-natal except as specified under the Maternity benefit or post-natal care; or,
b) Pregnancy, delivery, or complications of either, arising within the nine weeks before the expected date of delivery or within the nine weeks after except as specified under the Maternity benefit.
9. Your voluntary termination of pregnancy or resulting complications.
10. Your suicide or attempt thereat or self-inflicted injury.
11. Your commission or attempted commission of a criminal offence or illegal act based on the law where the cause of the claim occurred.
12. Non-emergency, experimental or elective treatment or procedures (including but not limited to ongoing care, chronic care, rehabilitation or check-ups) and their related complications.
13. a) Cosmetic surgeries, procedures and/or treatments, and,
b) Complications related to cosmetic surgeries.
14. Any medical condition or symptoms for which it is reasonable to believe or expect that treatments will be required during your trip.
15. Unless otherwise stated in this Policy (see General Condition, number 4), expenses incurred if other insurance policies, plans or contracts cover the loss. This includes but is not limited to any private or automobile insurance plan. 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.

Applicable to Insureds 60 Years and Over
If you qualify for the coverage selected but you or a representative purchasing insurance on your behalf have failed to answer truthfully and accurately any question asked in the Medical Questionnaire, any incident claimed will be subject to an extra deductible of $15,000 CAD in addition to any other applicable deductible amount, and no future coverage will be provided under this Policy unless you pay the additional premium reflecting true and accurate answers to those questions..

RATES:

- Minimum policy premium is $20.
- The deductible applies per insured, per condition or event.
- Automatic $0 Canadian Deductible (Choice of deductibles: $150; $500; $1,000; $2,500; $5,000; $10,000).

AGE: Coverage is based on the age of the insured at the time of application.

FAMILY & FRIENDS RATE AGES 59 YEARS AND UNDER
A Family & Friends plan is available with the Emergency Medical Insurance plan.
• Coverage is available for up to two individuals 59 years and under and up to six dependent children. The individual(s) named in the Family & Friends plan do not have to be the parent(s) or guardian(s) of the dependent children.
• Dependent children can be on a Family & Friends plan without an adult.
• If you pay the premium for the Family & Friends plan, all insureds must be named in the Policy declaration and will be covered under one Policy.
• All insureds on the Family & Friends plan will remain listed on the Policy until the expiry date of the Policy.
• Insureds on the Family & Friends plan do not need to be travelling together.

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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