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TuGo Traveller Travel Insuranceunderwritten Industrial Alliance Insurance and Financial Services Inc. and Industrial Alliance Pacific General Insurance Corporation
What coverage will you have? Emergency Medical Insurance(Single -Trip and Multi-Trip) Eligibility.
At the time of application, you are eligible for coverage if: 4. You are not receiving palliative care or palliative care has not been recommended. No age limit. Applicants 60 years old and over have to complete the Medical questionnaire to determine rate category for the Worldwide and Worldwide excluding USA plans. For the plan in Canada and 2-day Annual multi-trip plan, no medical questionnaire is required.
Single-Trip Plan Provides coverage for a single trip: ● Worldwide, ● Worldwide excluding USA, For Worldwide excluding USA policies, coverage is limited to travel outside the USA except for: - Flight stopovers or flight layovers in the USA up to 48 hours; or, - Transit through the USA by car, van, truck, recreational vehicle, motorcycle, bus or train for up to five days to your travel destination and up to 5 days to return from your travel destination. ● in Canada only, outside of home province If you are travelling by cruise ship and the cruise departs from or stops at any ports in the USA, you must purchase a Worldwide plan for the full duration of your trip. One temporary visit to your home province is permitted during your period of coverage provided the temporary visit is unexpected and beyond your control.
Multi-Trip Plan Annual plans: Worldwide and in Canada only. Choose from 2, 5, 10, 15, 20, 35, 60 days per trip . For the plan within Canada, you will be covered for 12 months and can take an unlimited number of trips, which start and end in your province of residence, up to the trip duration you have chosen. For the Worldwide plan, when travel is within Canada but outside your province of residence, coverage is automatically provided beyond the maximum number of days selected at the time of purchase but limited to the expiry date of the Policy. When travel is outside Canada, coverage is limited to the maximum number of days selected. The trip duration begins on the date you leave Canada and terminates when you return to Canada. Clients 58 years and under are eligible for the automatic renewal option.
Top-up (applicable to Multi-trip and Single-trip plans) This insurance can be purchased as a Top-up to another emergency medical insurance plan. When symptoms or treatment for an emergency medical condition begin before the effective date of this top-up Policy and while you are covered by the insurance plan being topped-up, the insurer will pay eligible expenses incurred on or after the date this top-up Policy takes effect as if the emergency medical condition began under this top-up Policy. Coverage for emergency medical conditions which began before the effective date of this top-up Policy is only provided if there is no lapse between the insurance plan being topped-up and this top-up Policy
Deductible Automatic $300 USD deductible; other deductible options of $500, $1,000, $2,000, $5,000, $10,000, $25,000, $50,000, $100,000 are available for premium discount. For $0 deductible, 15% surcharge applies. For the Canada plan, all deductibles are in Canadian dollars.
Family & Friends 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. Includes children up to age 21 or 25 if attending full time school or physically/mentally handicapped.
Sport & Activities Coverage Optional coverage for travelers who participate in, coach, teach, train or practice different sports: Freestyle Skiing, Downhill mountain biking, Motorized speed contests, Parachuting, Rock climbing, Boxing, etc. Please Click here for more information.
Refunds Refunds are not available if a claim has been or will be submitted. Applicable to Multi Trip Annual and Single Trip: - When the request for refund is received PRIOR to the effective date of the Policy, a full refund is available. - 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 within 10 days of the application date; or, b) A refund less an administration fee is available when the request for refund is received more than 10 days of the application date. Applicable to Single Trip Only: In the case of early return to your home province, partial refunds may be available. All partial refunds will be subject to an administration fee.
Policy Extensions If you decide to stay longer, you can extend your period of coverage before your Policy expires,if you have not submitted a claim and have no intent to submit a claim.
Automatic Extensions to Coverage At the time the period of coverage ends, coverage will be automatically extended at no additional premium : For 7 days in the event your common carrier is delayed. For the remaining period of your hospital confinement plus 7 days after release from the hospital; or, For 7 days if you are unable to travel on your scheduled return date but you are not hospitalized.
Emergency Medical Benefits for Canadian Travelers
Exclusions and Limitations. Travel medical insurance does not cover everything. This insurance has exclusions, conditions and limitations. Please learn them and understand the policy before you buy this insurance.
Pre-Existing Medical Condition Exclusion for Emergency medical coverage, Worldwide and Worldwide excluding USA Plans The company 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 condition as defined, except as follows:
Unstable Pre-existing Medical Condition Coverage ( Optional ) This coverage can be purchased as an endorsement to an Emergency Medical Insurance Worldwide or Worldwide Excluding USA plan. Coverage Maximum limit − $300,000 When this Optional Coverage is purchased, the company will pay for medical and related expenses up to this coverage limit for an emergency incurred as a result of your pre-existing medical conditions that do not meet the regular stability requirements but were stable on or within the 7 days before the date of departure. If you purchased this policy to top-up any other insurance plan, the stability for medical conditions is based on your total trip length. Travel Within Canada Plans There is no stability requirement for pre-existing medical conditions.
Some other Exclusions This policy does not pay for expenses incurred directly or indirectly as a result of: Medical conditions or any related medical conditions for which, on or before departure, diagnostic tests took place, were scheduled to take place or were recommended and for which results had not yet been received at the time of departure. This includes diagnostic tests that were scheduled or recommended on or before departure, but had not yet taken place at the time of departure. 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. Medical conditions or any related medical conditions for which, on or before departure, tests to follow up on the effectiveness or response to a procedure, surgery or hospitalization were scheduled to take place or were recommended. This includes tests that were scheduled or were recommended on or before departure, but had not yet taken place at the time of departure. Medical conditions or any related medical conditions for which before departure, 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 departure. 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 date of departure. This includes active cancer treatment that you were recommended to receive but chose to decline. Any condition(s) for which you are registered on a waiting list in Canada for treatment or diagnosis. Ongoing care, rehabilitation or check-ups. Please refer to the policy wording for full list of exclusions .
Non-Medical Package (Single Trip) includes the following benefits: 1) Trip Cancellation/Trip Interruption Insurance: Sum insured
prior to departure Up to the limit of Insurance purchased (Max
amount of coverage is $100,000) 2) Accidental Death and Dismemberment Insurance 3) Baggage Insurance : Sum insured $500 You can buy this package separately or all together with Emergency Medical Insurance.
All
Inclusive Holiday Package is available for persons under
59 years and includes the following benefits: 2) Trip Cancellation/Trip Interruption Insurance 3) Accidental Death and Dismemberment Insurance 4) Baggage Insurance: Sum insured $500
Trip interruption Insurance (Quarantine Coverage) If you purchased Trip Interruption coverage before you left for your trip, and you have to quarantine due to a positive COVID-19 test result, which prevents you from returning home as scheduled, youll have access to all the applicable trip interruption benefits, which includes coverage for the cost of a one-way economy airfare to your original point of departure, as well as out-of-pocket expenses up to $350/day to a maximum of $1,500 for commercial accommodation, meals, internet, telephone and taxi expenses. There is no coverage for other situations related to COVID-19 (e.g. flight delay or cancellation)
NOTE: The product-related information is for illustration purpose only. Please refer to the Policy Wording for details on the coverage provided, conditions, exclusion and claim procedure.
Emergency Medical Claims Examples
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