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Student Medical Insurance

(underwritten by Industrial Alliance Insurance and Financial Services Inc. and certain Lloyd's Underwriters)


Get your instant quote or buy student medical insurance policy ONLINE directly from TuGo. Please click the link below and you will be redirected to the TuGo secure website: choose your plan and follow the on-screen prompts.




For assistance or to buy insurance over the phone, please call at

 1-877-443-0101, 416-493-0101 or Ask your question ONLINE

What's on This Page

Policy Wording

Key Features

Summary of Benefits

Pre-Existing Medical Condition &

     other Exclusions


What to do if you get sick or injured

Covid-19 Updates

a) The Outbound Student (studying outside Canada) must be in her/his province of residence when applying for this insurance.

b) Effective July 8, 2020 TuGo Student Medical Insurance policies (Study Abroad and in Canada) include coverage for coronavirus COVID-19 related expenses.





Who can apply? This health insurance provides coverage for :

  Canadian students enrolled in a school outside of Canada - Outbound students (please see Eligibility !), and

  International students enrolled in a school in Canada - Inbound students.





Canadian students studying abroad

You are eligible for coverage if:
•  You are 40 years and under at the time of application date of the Policy; and,

•  You are a student enrolled in a school (recognized institution of learning) outside Canada; or

You are an accompanying family member of the student studying outside of Canada; and,

•  You must be insured or eligible for benefits under the government health care plan of the province or territory in which you reside. If you are not insured under the government health care plan of the province or territory in which you reside, the portion that would have been refunded by the provincial or territorial government health care plan is not a benefit of this Insurance; and,

•  You are not travelling against a physician's advice and you have not been diagnosed with a terminal condition.

International  students in Canada

You are eligible for coverage if:
•  You are 69 years and under at the time of application date of the Policy; and,

•  You are a student enrolled in a school (recognized institution of learning) within Canada; or
You are an accompanying family member of the student residing in Canada; and,

•  You are not insured under a provincial or territorial government health care plan. If you become eligible for and insured under the government health care plan of the province or territory in which you study, the Insurance will then apply in excess of this provincial or territorial government health care plan; and,

•  You are not travelling against a physician's advice and you have not been diagnosed with a terminal condition.


Attention Canadian students studying outside province of residence!

To be eligible for student medical insurance, a Canadian student must be insured under a Canadian government health insurance plan for the entire trip duration. You may be temporarily outside of Canada or your province of residence for a total of 180 - 212 days (depending on the province or territory) and still maintain your provincial health care coverage as long as your primary place of residence is still in this province. If you live abroad more than 180-212 days, your provincial health insurance plan may terminate.
To confirm your continuous provincial health care coverage, you should contact your local provincial Health Care Insurance Plan office before you leave your province.


Period of coverage

Your coverage commences on  the effective date as shown on the application.
Your coverage terminates on the earliest of the following dates:
•   the expiry date indicated in the application;
•   60 days after the date you are no longer enrolled in a school within Canada or the country of study.

When you are enrolled in a school, coverage will be provided during school breaks as long as your Policy is in effect during these periods.


Travel worldwide

Travel worldwide during the period of coverage is valid as long as the majority of the period of coverage is spent in Canada (Inbound students) or country of study (Outbound students).

Visits to your home country are permitted; your Policy will not terminate, however expenses will not be covered while in your home country. Also, this policy does not cover a medical condition (and related conditions) which originated while visiting your home country during the period of coverage.



Full refund if prior to the effective date if student visa is denied / if entry into country is denied / if non arrival to country of study. Partial refunds are also available. No refunds are available, if claim has been or will be submitted. Consult the Policy Wording for full details (pg.11).


Extensions. You can extend your period of coverage before your Policy expires. Some conditions apply.


Summary of Benefits

Key Benefits

Benefit Limits

Maximum liability


Emergency medical treatment

Emergency means an unforeseen sickness or injury, which requires immediate medical treatment to alleviate existing danger to life or health.

• Emergency medical treatment for sickness or injury whether in-patient or out-patient care
• Services of physician, surgeon, anaesthetist, registered graduate nurse
• Up to $15,000 for private duty nursing
• X-rays and laboratory services
• Rental of medical appliances

• Ambulance, including mountain and sea rescue. Taxi expenses up to $125 in lieu of ambulance

• Prescription drugs: Limit of a 30-day supply, up to $10,000. While you are confined to hospital, the company will reimburse the total cost of such medicines and/or drugs.

Non-emergency medical treatment

Up to $3,000

Eye examination

One visit per 12 months period (if 365 days are purchased)

Annual physician visit

Up to $150 for one check-up or one consultation session and prescription of the 'morning after pill’ per 12 months period (if 365 days are purchased)

Emergency air transportation

Up to Policy limit


Up to $25,000 if pregnancy commenced during period of coverage


• Up to $5,000 for accident

• Up to $600 for dental pain

• Up to $150 for impacted wisdom tooth

Professional medical services

Up to $600 per practitioner for visits to licensed physiotherapist, chiropractor, chiropodist, osteopath, acupuncturist, speech therapist, naturopath, or podiatrist. Referral needed for acupuncturist and naturopath

Psychological / Psychiatric

• Up to $1,000 for visits to a physician, psychiatrist or psychologist
• Up to $10,000 for hospitalization


• Up to $25,000 for repatriation

Family transportation

Up to $5,000 for transportation costs and up to $1,500 for meals and accommodation in the event of your hospitalization

Tutorial services

Up to $20/hour to a maximum of $400 for the costs of a qualified private tutorial service in the event you are hospitalized for 30 consecutive days or more.

Accidental Death and Dismemberment

Air Flight/Common Carrier Accident - Maximum Limit - $10,000

24-Hour Accident - Maximum Limit of $10,000

Optional limits available (for additional premium):
• Air flight/common carrier - $100,000
• 24-hour Accident - $25,000


Exclusions and Limitations.

Student medical insurance does not cover everything. This insurance has exclusions, conditions and limitations. Please read them and understand the policy before you buy this insurance.

A Pre-Existing Medical Condition  exclusion may apply to a medical condition and/or symptoms that existed prior to your trip. This policy will not pay any expenses or benefits relating to a pre-existing condition that was not STABLE in 90 days prior to the effective date of the policy.

STABLE means:

• the medical condition is not worsening, and

• there has been no alteration* in any medication for the condition or its usage or dosage,

• nor any medical treatment prescribed or recommended by a physician or received,

within the period specified in this Policy before the commencement date of a covered trip.

(Alteration includes an increase or decrease in medication dosage, usage or a change in medication type, but does not include changes due solely to the availability of your usual brand or due to government regulations regarding reference-based pricing.

Some other exclusions:

• Conditions or any related conditions for which, prior to your arrival date in Canada or the country of study, testing or investigative consultation took place, was scheduled to take place or was recommended for the purpose of establishing a diagnosis (not including routine check-up or routine monitoring for a stable condition), and for which results had not yet been received at the time of departure from your home country. This includes tests, which were recommended or scheduled prior to departure, but had not yet taken place at the time of departure.

• Medical treatment or medical condition originating while visiting your home country
• Long term care or ongoing care

Refer to the Policy Wording  for  the complete list of exclusions (pg 9-11, 13-14)


The product-related information is for illustration purposes only. For complete benefits, terms, conditions, limitations and exclusions, please see the Policy Wording


What to do if you get sick or injured

Have your policy confirmation with you at all times. In the event of sickness or injury which may result in claim, contact Claims at TuGo at the telephone numbers shown on your policy confirmation and the Policy Wording (pg. 4).  When contacting Claims at TuGo, please provide your name, your policy number, your location and the nature of your emergency.

In the event of hospitalization, call Claims at TuGo immediately - it is a condition of this policy.

To apply for benefits under this policy, you will need to send a completed claim form (with all original bills attached) to Travel Underwriters. Visit Claims at TuGo for the claim form and submit your claim online.

Consult the claim guideline in your Policy Wording (pg 22-23).





Outbound students studying outside of Canada

International Students in Canada

Single 0-40 yrs $2.29/ day
*Family 0-40 yrs $2.29 /day
per person in the family
Single 0-69 yrs $2.29/ day
*Family 0-59 yrs $ 2.29/day
per person in the family
  • Minimum – 10 days

  • Maximum – 365 days (or 366 days for leap years)

  • No deductible

  • Family means an inbound student aged 59 years and under, or outbound student aged 40 years and under plus their legal or common-law spouse, parent(s), step-parent(s), legal guardian(s), brother(s), sister(s), step-brother(s), step-sister(s) and their unmarried dependent children 25 years of age and under and who are living with the student while in Canada.

  • Rates are subject to change without notice

Get a free quote and buy Online



For more information, free consultation and to purchase a policy please call at

416-493-0101, 1-877-443-0101


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Revised: July 29, 2020