TuGo Sports & Activities

Applicable to All Ages: when this Optional Coverage is purchased, the company will pay 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:

Maximum limit – Up to the sum insured as indicated on the Policy declaration

• Backcountry skiing/snowboarding

  An area that is not marked, not patrolled and/or not cleared for avalanche dangers, but where public access is permitted. Also known as slackcountry, sidecountry and/or off-piste. Does not include heli-skiing or cat skiing.

• BASE jumping

  Select this if you plan to BASE jump. Wingsuit flying and parachuting/skydiving are separate selections.

• Boxing

  Covers participating in, training for or practising boxing. Mixed martial arts is a separate selection.

• Downhill freestyle skiing/snowboarding in organized competitions

  Any skiing or snowboarding competition involving aerial skiing/snowboarding, kite-skiing, mogul or cross competitions, half-pipes and/or slopestyle activities, rails, jumps and other terrain park features.

• Downhill mountain biking

  Biking down mountain trails or rough mountain terrain, whether as part of a race or not, often featuring jumps, drops, rock gardens or other obstacles. It often requires the use of mechanical lifts or elevators.

• Hang gliding/paragliding

  Covers both hang gliding and paragliding under a single selection.

• High risk motorized speed activities

  Motocross, dirt biking and/or motorcycling unless only riding as a mode of transportation; and/or any motorized vehicle racing competitions, endurance events or timed activities, including snowmobile racing.

  A motorized vehicle activity done solely for leisure, not timed, and not in training or practice for a racing competition or endurance event is not a high risk motorized speed activity, and no optional coverage is required.

• High risk snowmobiling and motorized snow biking

  Snowmobiling (including highmarking) and/or motorized snow biking in unguided backcountry terrain. Guided and on-trail snowmobiling does not require this selection.

• Ice climbing

  Climbing or rappelling from vertical or nearly vertical ice formations such as ice falls, frozen waterfalls, or cliffs or rock slabs covered with ice from flows of water freezing over. Requires specialized equipment such as ice axes, crampons or ice screws.

  Glacier hiking is not ice climbing. If the glacier hike is on a mountain, it is considered mountaineering.

• Mixed martial arts

  A combat sport in which participants use fighting and grappling techniques from any combination of wrestling, boxing and martial arts. Includes ultimate fighting.

• Mountaineering over a 6,000-metre elevation

  Climbing or descending a mountain to or from an elevation of over 6,000 metres, measured from sea level, using specialized equipment such as pickaxes, ice axes, anchors, bolts, crampons, carabineers and lead or top rope anchoring equipment. Includes ski mountaineering (skimo).

  If you are mountaineering both below and above 6,000 metres, you only need to select this option. Ice climbing done as part of the mountaineering is covered automatically; ice climbing as a separate activity must be added.

  Air ambulance service from the mountain is limited to one air ambulance per trip.

• Mountaineering up to a 6,000-metre elevation

  Climbing or descending a mountain to or from an elevation of 6,000 metres or less, measured from sea level, using specialized equipment such as pickaxes, ice axes, anchors, bolts, crampons, carabineers and lead or top rope anchoring equipment. Includes ski mountaineering (skimo).

  If you use ice climbing equipment as part of the mountaineering, you do not need to select ice climbing separately — it is covered automatically. If you also plan to ice climb as a separate activity during your trip, you must add ice climbing for that to be covered.

• Parachuting/skydiving/tandem skydiving

  Covers all three under a single selection, including tandem jumps made with an instructor.

• Rock climbing

  Climbing rock faces, especially with the aid of ropes and special equipment. Includes bouldering, traditional climbing, free soloing, top-rope, sport climbing and canyoning/canyoneering. Does not include climbing indoor or outdoor artificial rock climbing walls.

• Scuba diving or free diving over 40 metres

  Required only for dives deeper than 40 metres. Recreational scuba diving and free diving to 40 metres are covered under the Emergency Medical Insurance plan without this optional coverage.

• White water sports – Class VI

  Rafting on extreme rapids or waterfalls deemed unnavigable by safety authorities — rapids with substantial levels of white water, large waves, hazardous rocks and/or drops with the potential to damage most rafting equipment.

• Wingsuit flying

  A separate selection from BASE jumping and from parachuting/skydiving.

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.
For any of the sports or activities listed above, if you are coaching and/or officiating as a referee or sports official, the Sports & Activities Optional Coverage is not required for coverage to apply.
You will only be charged for the sport or activity with the highest premium charge.

Applicable to Insureds 21 years and over at the Time of Application: when this Optional Coverage is purchased, the company will pay 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:

Maximum limit – Up to the sum insured as indicated on the Policy declaration

• Football (American and Canadian)

  Add football if you are 21 years or over at the time of application and plan to participate, train or practise on behalf of a registered team, league, association or club, or compete in a registered tournament, competition or sporting event. If you are under 21, or playing casually for fun, coverage is already available under the Emergency Medical Insurance plan without this optional coverage.

• Ice hockey

  Add ice hockey if you are 21 years or over at the time of application and plan to participate, train or practise on behalf of a registered team, league, association or club, or compete in a registered tournament, competition or sporting event. If you are under 21, coverage is already available under the Emergency Medical Insurance plan without this optional coverage.

• Rugby

  Add rugby if you are 21 years or over at the time of application and plan to participate, train or practise on behalf of a registered team, league, association or club, or compete in a registered tournament, competition or sporting event. If you are under 21, or playing casually for fun, coverage is already available under the Emergency Medical Insurance plan without this optional coverage.

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.
For any of the sports or activities listed above, if you are coaching and/or officiating as a referee or sports official, the Sports & Activities Optional Coverage is not required for coverage to apply.