Basic Plan Visitors Insurance

BUY ONLINE

Administrated by:

TuGo

Underwritten by:

Industrial Alliance Insurance and Financial Services Inc.

24/7 Emergency Assistance Center:

Claims at TuGo

BENEFITS:

NOTE: The Basic Plan is a reduced benefit plan with no coverage for pre-existing conditions. This plan is intended for the price conscious, healthy visitors. It is not recommended for those with pre-existing conditions. See TuGo Visitors Plans Comparison

• 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 medical facility. Fire rescue is also covered.
• Diagnostic Tests: X-ray examinations and laboratory procedures.
• Prescription drugs for a maximum supply of 30 days or up to a maximum of $100.
• 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.
• Telemedicine service by Maple – 24/7 medical consultation service that connects you to a Canadian-licensed doctor to get an assessment, diagnosis, and prescription as needed.
• Follow-up visits: 1 follow-up visit within 14 days after the initial emergency medical treatment if necessary.
• Emergency Air Transportation: up to the sum insured to a maximum of $100,000 for medical air transfer to return to your country of permanent residence or medical air transfer between medical facilities. *
• Expenses Related to Death: the preparation and return of your body or ashes to your country of origin or up to $3,000 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.
• 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 (subject to waiting period). If travel to return to your country of permanent residence is not direct or exceeds 48 hours, coverage will end on the date and time you leave 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.

ELIGIBILITY:

At the time of application, you are eligible for coverage if:
1. You are 79 years or under.
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 CONDITIONSARE NOT COVERED:
TuGo will not be liable to provide coverage or services, or to pay claims for expenses incurred directly or indirectly as a result of any pre-existing medical conditions.

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 are NOT covered: Side-trips for travel outside of Canada (including visits to your country of permanent residence) are permitted and your Policy will not terminate, however, expenses will not be covered while travelling outside of Canada.

Automatic Extensions to Coverage
At the time the period of coverage ends your coverage will be automatically extended at no additional premium:
Hospitalization
If you, your family travelling with you or your travelling companion are hospitalized. The automatic extension will be provided to you for the remaining period of the hospitalization, plus up to 7 days after hospital release to recover and/or travel home.
Medically Unfit to Travel
If you, your family travelling with you or your travelling companion are unable to travel on the scheduled return date due to a medical condition that does not require hospitalization. The automatic extension will be provided to you for up to 7 days to recover and/or travel home. In the event of a claim, written documentation must be provided to us by the attending physician to substantiate the inability to travel home as originally scheduled.
Delay of Common Carrier
If your common carrier is delayed due to circumstances beyond your control, preventing you from returning to your country of permanent residence. The automatic extension will be provided to you for up to 7 days. In the event of a claim, written documentation must be provided to us to substantiate the common carrier delay.
Quarantine
If you, your family travelling with you or your travelling companion are unable to travel on your scheduled return date due to being placed under quarantine after a positive COVID-19 test, the automatic extension will be provided to you for up to 14 days. In the event of a claim, written documentation must be provided to us to substantiate the quarantine.

REFUNDS:

Refunds are not available if a claim has been or will be submitted.
Refunds must be requested in writing.

Applicable to Super Visa Applicant/Holder Refund Requests Only
1. 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,
2. If a Super Visa application was denied, withdrawn or cancelled, 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.
3. If a Super Visa application was approved but your entry to Canada 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 TuGo.
If your Super Visa application is delayed, please contact your insurance broker before the effective date of the Policy to change the coverage dates of your Policy.

Note: If you have a policy with a 365-day trip length or longer and a sum insured of $100,000 or more that was not purchased for a Super Visa application, the $250 cancellation fee will not apply, and refund requests will be processed according to the requirements listed in the section below. Supporting documentation of your alternate status in Canada must be sent to us to substantiate that coverage is not for a Super Visa.

Applicable to All Other Refund Requests
1. When 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.

Note: A minimum premium requirement applies for this Insurance at the time of purchase which becomes non-refundable after travel has taken place. If you request a partial refund after travel has taken place, we will retain this non-refundable minimum premium.

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

If it’s not possible to contact the Assistance Center prior to hospitalization, TuGo must be notified within 48 hours.
If TuGo is not contacted within 48 hours of hospitalization, your maximum amount payable for the
hospitalization and all related expenses will be reduced to 80% of your expenses otherwise covered.

TuGo® Wallet app: For quick access to the emergency medical assistance phone numbers while travelling, download the “TuGo Wallet” app to your phone or tablet. More details at TuGo Wallet.

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
1200-6081 No. 3 Road
Richmond, BC, V6Y 2B2

For Online Claim Submission visit TuGo 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.
2. Any hospitalization when we are not notified prior to your hospitalization, so that we may:
a) Confirm coverage
b) Provide prior authorization for treatment
If it is medically impossible for you to call prior to being hospitalized, we ask you to call or have someone call on your behalf within 48 hours. Otherwise, if you do not call Claims at TuGo prior to being hospitalized, your maximum amount payable for the hospitalization and all related expenses will be reduced to 80% of your expenses otherwise covered under this Insurance.
3. Any out-patient surgeries or high-risk invasive procedures and any related expenses incurred after out-patient surgeries or high-risk invasive procedures, unless we authorized it in advance.
4. Any claim incurred after a physician advised you not to travel.
5. Any claim incurred after any other registered medical practitioner advised you not to travel.
6. A trip that is undertaken after the diagnosis of a terminal condition.
7. A trip that is undertaken while you are receiving palliative care or after palliative care has been recommended.
8. 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 screening tests intended to prevent illness or to detect medical conditions before symptoms are noticed, whether or not results have been received.
9. The cost of any mandated test required for travel.
10. 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.
11. 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.
12. Emotional or mental disorders, unless they result in hospitalization.
13. Acute psychosis if drug or alcohol induced.
14. Tests and investigation except when performed at the time of initial emergency medical condition or within 7 days after the initial emergency.
15. Any expenses incurred as a result of a disease or illness that originated or was symptomatic during the waiting period.
16. 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.
17. 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.
18. Expenses incurred for emergency air transportation and any expenses incurred after emergency air transportation, when the emergency air transportation was not arranged by us.
19. 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.
20. 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 or to claims incurred for COVID-19.
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.
21. A medical condition for which symptoms arose or worsened or for which treatment by a physician or other registered medical practitioner was received outside of Canada during the period of coverage or any medical condition wholly or partly, directly or indirectly, related thereto, except as specified under the heading Period of Coverage, under no. 1 for when coverage commences and under no. 2 for when coverage terminates.
22. Treatment by a physician or other registered medical practitioner and expenses incurred while outside of Canada, except as specified under the heading Period of Coverage, under no. 1 for when coverage commences and under no. 2 for when coverage terminates.
23. Loss, theft, breakage of prescription glasses, contact lenses, prosthetic devices, hearing aids and dentures.
24. Your participating, training, or practicing for the following sports or activities (except when coaching and/or officiating as a referee or sports official):
• Backcountry skiing/snowboarding
• Base jumping
• Boxing
• Downhill freestyle skiing/snowboarding in organized competitions
• Downhill mountain biking
• Hang gliding/paragliding
• High risk motorized speed activities
• High risk snowmobiling and motorized snow biking
• Ice climbing
• Mixed martial arts
• Mountaineering over a 6,000-metre elevation
• Mountaineering up to a 6,000-metre elevation
• Parachuting/skydiving/tandem skydiving
• Rock climbing
• Scuba diving or free diving over 40 metres
• White water sports – Class VI
• Wingsuit flying
25. 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 (except when coaching and/or officiating as a referee or sports official), if you are 21 years of age or over at the time of application:
• 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 and motorized snow biking; Ice climbing; Mountaineering over a 6,000-metre elevation; Mountaineering up to a 6,000-metre elevation; Rock climbing.
6. 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. Any medical condition or recognized complication of a medical condition, where the purpose of your trip is to seek treatment, advice or services, and where the medical evidence indicates the treatment, advice or services received are related to that medical condition.
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.

NOTES:
– Minimum policy premium is $20.
– The deductible applies per insured, per condition or event.
– 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.