TuGo Traveller Travel Insurance
underwritten Industrial Alliance Insurance and Financial Services Inc. and Industrial Alliance Pacific General Insurance Corporation
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TuGo Traveller Travel Insurance offers Emergency Medical plans,
Trip Cancellation & Interruption and Baggage plans for traveling
Worldwide, Worldwide excluding USA and in Canada for traveling
outside of home province but in Canada.
Get a quote and purchase
this insurance ONLINE directly from TuGo : please, click the
link below and you will be redirected to the TuGo secure
website. Follow on-screen prompts or call for assistance.
NOTES.
⁕ You will get a quote with $300 USD Deductible
automatically. To change the deductible amount, click on "Customize".
⁕ For ages under 60 and trips up to 35 days:
Automatic stability period for pre-existing conditions is 7 days.
For longer trips and age 60+: Optional 7-day reduced stability period Rider can be added at additional cost
by clicking on "Customize".
Amount of coverage under this Rider is $300,000.
⁕ Topping-up: When you have travel insurance coverage with another
insurer or TuGo and want to top up this existing coverage, the
start (effective) date of the policy you apply for using this
link, is the day following expiry of your existing policy. Enter
this date to the online application. On the next page, click on "Customize",
then click on "Top-up",
and enter the number of days you are covered for under your existing policy.
Sign up to myTuGo : If you have a TuGo Insurance policy, you will be able to:
Modify, extend, or renew your coverage on your own,
Open a claim, manage an existing one, or check your claim's
status,
Check out the clinic/hospital
finder and other helpful travel resources.
Questions? - Please call at
416-493-0101,
1-877-443-0101
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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:
1. You are a Canadian resident covered by a provincial
health insurance plan for the entire trip length
2. You are not travelling against a physician or other
registered medical practitioners advice.
3. You have not been diagnosed with a terminal condition
(Terminal condition means a medical
condition for which, before the date of departure a physician
has given a terminal prognosis with
a life expectancy of 12 months or less)
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
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Key Benefits |
Maximum Limit |
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Maximum liability
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$10,000,000
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Emergency medical treatment
Emergency means an unforeseen
sickness or injury, which requires immediate medical
treatments 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
Private duty nursing
X-rays and laboratory services
Rental or purchase of essential medical appliances |
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Prescription drugs
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Up to a 30-day supply following an emergency during the trip
Up to $200 for a physician visit to get a new prescription
for lost, stolen or damaged prescription drugs
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Ambulance
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The services of a licensed
ground, air or sea ambulance (including paramedics) or taxi in lieu from the
scene of the accident or place of onset of the
sickness to the nearest hospital.
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Follow-up Visits |
One follow-up visit within the
14 days after the initial emergency medical
treatment |
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Fracture Treatment
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Following the initial emergency
treatment and the one follow-up visit, the company
will pay up to a maximum of $1,250 for the following
treatments related to fractures:
X-ray examinations;
Re-examination physician
visits;
Casting and re-casting, if medically necessary;
Cast removal;
Eligible expenses must be
incurred during the same trip and prior to your
return to your home province.
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Professional medical services
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Up to $700 for any one incident per practitioner including a licensed
physiotherapist, chiropractor, chiropodist,
osteopath, podiatrist, optometrist
and acupuncturists
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Dental
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Up to the policy limit for dental accidents during trip.
Also includes additional coverage for up to 30 days in the home province upon return from the trip
Up to $700 for any other dental emergenciesn
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Vision care & hearing aids
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Up to $1,000 for the replacement of prescription glasses,
contact lenses and/or hearing aids if lost, stolen or broken
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Unexpected birth of a child
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Up to a maximum of $25,000 for the medical expenses incurred by your newborn
child/children following the unexpected birth of the child/children. This benefit is not
payable during the nine weeks before the expected date of delivery or within the nine weeks after.
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Hospital allowance
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Up to $100 per day to cover incidental hospital
charges, which are billed by the hospital, such as TV rental and telephone charges.
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Repatriation
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Up to the policy limit for preparation and return of the body
Up to $6,000 for burial or cremation at the place of death
Transportation costs and insurance coverage for one family member to identify the body, and
up to $400 per day to a maximum of $2,000 for their meals and accommodation
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Out-of-pocket expenses
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Up to $500 per day to maximum of $5,000 for your out-of pocket expenses,
when your traveling companion is hospitalized on the date you are scheduled to return to
your home province or when transferred to a different hospital in another city.
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Vision Care and Hearing Aids
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Up to a maximum limit of $1,000 for:
The replacement of prescription glasses (including prescription sunglasses) or
contact lenses (up to a 30-day supply) and a hearing aid due to theft, loss, or breakage
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Child care
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Up to $500 per day to a maximum of $5,000 for child care costs* when the insured
traveller is confined to hospital or transferred to a different hospital in another city for
emergency medical treatment.
* Children must be insured and 18 years or under.
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The following benefits must be
pre-approved and arranged by Claims at TuGo
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Emergency air transportation
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At the time of hospitalization, medical air
evacuation for return to Canada or medical air evacuation between
medical facilities when the first medical facility is not
equipped to provide the required treatment.
If medically required, this benefit also includes:
The cost of a qualified medical attendant
An airline seat upgrade
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Airfare to return home for treatment
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Up to a one-way economy airfare to return to the home
province for immediate medical treatment. Treatment must be required within 10 days of returning home.
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Return of excess baggage
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Up to $700 if the insured traveller is medically air evacuated
to their home province and there was no room aboard the aircraft for baggage
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Return of travelling companion
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When an insured traveler is returned to their home
province because of a medical emergency, this benefit includes:
A one-way economy airfare for their travelling companion to also return home*
* The travelling companion does not have to be insured
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Return of dependent children
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When an insured traveller is returned to their home
province because of a medical emergency, this benefit includes:
Up to a one-way economy airfare for dependent children* to return home
The cost of a qualified chaperone
* Children do not have to be insured.
This applies to children up to age 21, if residing with their parents/guardians or
up to age 25, if full-time students. No age limit applies for children with
cognitive, developmental or physical disabilities
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Remote evacuation
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Up to $6,000 for non-medical evacuation from a remote location.
Includes search and rescue services from mountain, sea or other locations
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Family transportation
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When an insured traveler is hospitalized, this benefit includes:
A round trip economy airfare or ground transportation costs for a family member to be
at their bedside
Up to $500 per day to a maximum of $2,500 for out-of-pocket expenses
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Return of insured to destination
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One-way economy airfare by the most direct route to
return to the insured's original trip destination
following a return to their home province under the
Emergency Air Transportation Benefit.
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Air travel delay expenses
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Up to $900 for accommodation and meals when a flight is delayed for 4+ hours
Up to $400 for additional transportation when a flight is delayed for 4+ hours
Up to $400 for entertainment expenses when a flight is delayed for 4+ hours
Up to $900 for essential items when the baggage is lost or delayed by the airline for 6+ hours
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Other
benefits
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Return of Vehicle,
Return of Pets,
Domestic services in Canada,
Medical follow-up in Canada
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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:
AGE
on the application date |
TRIP LENGTH |
STABILITY PERIOD |
| 59 years and under |
35 days or less |
Any medical condition which is not stable on or
within the 7 days before the date of departure
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Over 35 days |
Any medical condition which is not stable on or
within the 90 days before the date of departure.
If you extend your trip and the total trip length
(including the extension) exceeds 35 days, the
stability for medical conditions is based on your
total trip length |
| 60 years and over |
All |
Any medical condition which is not stable on or
within the 180 days before the date of departure. |
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:
Conditions or any
related conditions for which, prior to departure, testing or
investigative consultation took place, was scheduled to take
place or was recommended (not including routine check-up or
routine monitoring for a medical condition), and for which
results had not yet been received at the time of departure. This
includes tests that were recommended or scheduled prior to
departure, but had not yet taken place at the time of departure.
Any cancern (other than basal cell or squamous cell skin cancer)
for which you received or were recommended to receive cancer
treatment in the 3 months prior to the date you leave for your
trip. This includes 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)
Sum insured after departure $25,000
2) Accidental Death and Dismemberment Insurance
Maximum sum insured for Air Flight/Common Carrier Accident
$100,000
Maximum sum insured for 24-Hour Accident $25,000
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:
1) Emergency Medical Insurance
Maximum limit $5,000,000
2) Trip Cancellation/Trip Interruption Insurance
Sum insured prior to departure Up to the limit of Insurance
purchased
Sum insured after departure $25,000
3) Accidental Death and Dismemberment Insurance
Maximum sum insured for Air Flight/Common Carrier Accident
$100,000
Maximum sum insured for 24-Hour Accident $25,000
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.
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If
you need help to complete the online application, or for
the questions regarding your policy status, to make changes to
your coverage or travel dates, to extend the policy, or
purchase this policy over-the-phone, please call at
416-493-0101 (or
1-877-443-0101) or
click here to ask
your question online.
What to do
if you need medical attention
Have your policy
number and 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 Contact Information.
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
How to Make Claim
To apply for benefits under this policy, you
will need to send a completed claim form (with all original
bills attached) to Claims at
TuGo. Visit Claims
at TuGo for the claim form and submit your claim online.
Consult the claim guideline on your Policy Wording (pg 67-68).
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Emergency Medical Claims Examples
Outbound Travelers, Ages 0-59
Outbound Travelers, Ages 60+
Travel within Canada
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