International Student Medical Insurance
(underwritten by
Industrial Alliance Insurance and Financial Services Inc.)
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Who
can apply?
TuGo International Student insurance provides medical coverage for
foreign students enrolled in a school in Canada, as well as their
accompanying family members. Coverage is also provided for COVID-19 related expenses.
Get your instant quote or buy international 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.
NOTE: Please read carefully "Terms &
Agreements" on the ONLINE application
before you submit your application.
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WHAT COVERAGE WILL YOU HAVE?
Eligibility
Applicable to International
Students in Canada
At the time of application, 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 full-time or part-time
student enrolled in a school in Canada; and,
You are not travelling against a
physician or other registered medical practitioners advice; and,
You have not been diagnosed with
a terminal condition.
Applicable to Family Members of Students
At the time of application, you are eligible for coverage
if:
You are at least 15 days old; and,
You are 59 years and under; and
You are a family member of a student who is either insured under
a TuGo Student Insurance Policy for International students or meets
the eligibility requirements for a TuGo Student Insurance Policy; and,
You are a full-time or part-time
student enrolled in a school in Canada; and,
You are not travelling against a
physician or other registered medical practitioners advice; and,
You have not been diagnosed with
a terminal condition.
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 .
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.
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.
Refund
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.
Extensions.
You can extend your period of
coverage before your Policy expires. Some
conditions apply.
Summary of Benefits
|
Key Benefits |
Benefit Limits |
|
Maximum Liability |
$2,000,000 |
|
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 a physician
Services of a licensed ground, air or sea ambulance and paramedics
to the nearest hospital. Taxi expenses in lieu of ambulance
X-ray examinations and diagnostic laboratory procedures
Prescription drugs: Limit of a 30-day supply. While you are hospitalized,
the company will pay the total cost of all prescription drugs.
The cost for one morning-after pill is also provided once during
a 12 consecutive month period if the insured has purchased a 365-day policy
Rental or purchase essential medical appliances
Up to $20,000 for private duty nursing
|
|
Follow-up Visits |
Up to five follow-up visits within the
14 days after the initial emergency treatment |
|
Eye
Examination |
One visit to an optometrist or ophthalmologist
for a general eye examination.
Note: This benefit is available once during a 12 consecutive month period if the insured has
purchased a 180-day policy |
|
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) |
|
Maternity |
Up to $25,000 if pregnancy commenced during period of coverage |
|
Fracture Treatment |
Up to a maximum of $1,000
for the treatments related to fractures.
This benefit is only available in lieu of the Airfare to Return Home for Treatment Benefit |
|
Dental |
Up
to $6,000 for dental accidents
Up
to $600 for any other dental emergencies
Up
to $150 per tooth for impacted wisdom teeth |
|
Professional medical services |
Up to
$600 per practitioner for visits to licensed
physiotherapist, chiropractor, chiropodist,
osteopath, acupuncturist, speech therapist,
naturopath, or podiatrist.
Up to $1,000 combined for all practitioners per incident
for the services of a: Psychiatrist, Psychologist, Clinical counsellor,
Psychotherapist, Nurse psychotherapist, Social worker |
|
Mental & Emotional Condition Coverage |
Mental and emotional disorders are covered up
to the Policy limit for in-patient services under the Emergency Medical Treatment benefit
in the same way that any other medical emergency is covered
Coverage is also provided for out-patient and other services
under any other related benefits that could apply |
|
Sexually Transmitted Infection Testing |
Up to a maximum of $100 for elective testing.
This benefit is available once during a 12 consecutive month period,
provided the minimum term of insurance purchased is 180 days. |
|
Prescription Glasses / Contact
Lenses / Hearing Aids |
Up to a maximum of $200 for prescription
glasses, contact lenses and hearing aids, required as a result of an
accident or injury or that required repair as a result of an accident or injury. |
|
Repatriation |
Up
to $25,000 for repatriation |
|
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 |
|
The following benefits are payable only when pre-approved by the insurer |
|
Emergency Air Transportation |
Up to
Policy limit for medical air evacuation for return
to Canada or medical air evacuation between medical facilities |
|
Family transportation |
When an insured is hospitalized,
this benefit includes:
Up to $5,000 for one round trip economy airfare or
ground transportation costs for a family member or friend to be at their bedside
Up to $400 per day to a maximum of $2,000 for out-of-pocket expenses |
|
Airfare to Return Home for Treatment |
Up to a one-way economy airfare
to return to the country of permanent residence for immediate treatment*
* Treatment must be required within 10 days of returning home |
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Medical Attendant |
The cost of a round trip economy airfare
on a commercial flight for a qualified medical attendant if medically necessary. |
|
Rehabilitation Treatment |
Up to $250 per day to a maximum
of 7 days for emergency treatment in a rehabilitation
facility when it is medically necessary after hospitalization |
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.
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 need medical attention
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.
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 .
Rates
International
Students in Canada
|
Age |
RATES |
|
Single 0-69 yrs |
$1.88 / day |
|
*Family 0-59 yrs |
$ 1.88 / day
per person in the family |
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Minimum
10 days
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Maximum
365 days (or 366 days for leap years)
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No deductible
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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
For more information, free consultation and
to purchase a policy please call
at
416-493-0101,
1-877-443-0101
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