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TuGo Visitors to Canada Insurance

Underwritten by Industrial Alliance Insurance and Financial Services Inc. and certain Lloyd's Underwriters


Get your free online quote for Visitors to Canada medical insurance: click on the link below and you will be redirected to the TuGo secure website. You will also have an option to buy and get your instant policy on your email directly from the insurance company.



For assistance and to buy insurance over the phone, please call

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

What's on This Page

Policy Wording 

Key Features

Summary of Medical Coverage

Pre-existing medical condition &

    Other Exclusions

Sport Participation Coverage

What to do if you get sick or injured


Who can apply?  Coverage is available for visitors to Canada, foreign workers, immigrants and returning Canadians not eligible for provincial health care coverage.

This insurance policy meets all requirements for parent and grandparent super visa if amount of coverage purchased is  $100,000 or greater and period of coverage is one year.


What coverage will you have?


You are eligible for coverage if:

1. You know no reason for which you may seek medical attention.

2. You are:

a) A foreign worker, or a visitor to Canada with valid legal status in Canada; or,

b) An immigrant awaiting provincial or territorial government health care coverage; or,

c) A returning Canadian not eligible for provincial or territorial government health care plan due to an extended leave.

3. The expenses you incur result from an acute, sudden and unexpected emergency.

4. You are not travelling against a physician’s advice; or,

5. You have not been diagnosed with a terminal condition.


This plan includes :  

•   Emergency medical & hospital insurance :

    Amounts of medical coverage available:  $25,000;  $50,000; $100,000; $150,000; $200,000

•   24-Hour Accident Insurance: up to $25,000.


Age. No age limit. Visitors 90 years of age and over can apply for this policy.



This insurance has $150 deductible. However, the Insured can choose to add one of the following deductible options $1,000, $2,500, $5,000, $10,000 and receive a discount of 10%, 20%, 30%, 35% on the premium respectively. 15% surcharge applies for $0 deductible. (Minimum   premium policy is $20.)

*Deductible means the dollar amount that you are responsible to pay for each claim.


Waiting period

•    No waiting period if purchased prior to the arrival date in Canada.

•   If this policy was purchased within 60 days after your arrival in Canada, there is no coverage for any sickness arising during the first 48 hours of the effective date of this policy including any related expenses incurred after the first 48 hours from the effective date of the policy.

•   If this policy was purchased 61 days or more after your arrival in Canada, there is no coverage for any sickness arising during the first 7 (seven) days of the effective date of this policy including any related expenses incurred after the first 7 days from the effective date of the policy.


Family plan is available, if all family members are under 59 years of age. Two-person rates are available for applicants under 65.


Travel worldwide : Travel worldwide is valid as long as majority of time is spent in Canada. No coverage provided while in home country.



•    Refunds are not available if a claim has been or will be submitted.

•    When no travel has taken place and 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 after the application date.

•    A partial refund is available if:

a) You return to your country of permanent residence; or,

b) You become eligible and/or covered under a provincial or territorial government health care plan during the period of coverage.

A satisfactory proof of return to country of permanent residence or proof of the date you became eligible and/or covered under a provincial or territorial government health care plan, is required.

For Super Visa medical insurance

a) If a super Visa application was denied, a full refund is available prior to the effective date of the Policy, or a refund less an administration fee is available after the effective date of the Policy. Supporting documentation must be sent to Travel Underwriters.

b) If no travel has taken place, a $250 cancellation fee applies. For cancellation after the effective date of the Policy, the request must be received no later than one year from the expiry date of the Policy;


Policy Extensions

If you decide to stay longer,  you can extend your period of coverage before your Policy expires if you have not seen a physician or other registered medical practitioner since your arrival date or the effective date of the Policy and you are in good health and you do not know of any reason to seek medical attention.


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.


Summary of Medical & Hospital Benefits

Key Benefits

Maximum Limit

Amount of coverage

 Choose from $25,000; $50,000; $100,000; $150,00; $200,000 CAD

Emergency medical treatment

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

• Emergency hospital confinement (limited to semi-private accommodation) and/or emergency medical treatment for sickness or injury whether in-patient or out-patient care
• Services of physician, surgeon, anesthetist, registered graduate nurse
• Private duty nursing
• X-rays and diagnostic laboratory services
• Rent or purchase of essential medical appliances

Follow-up visits

Three follow-up visits (not including ongoing treatment). Must take place within 14 days of the initial emergency


A licensed ground, air and see ambulance including paramedics or taxi in lieu

Prescription drugs

Limit of a 30-day supply.

Professional medical services

Up to $500 per practitioner including a licensed physiotherapist, chiropractor, chiropodist, osteopath, podiatrist and optometrist for the relief of an acute emergency

Hospital allowance

$75 per day  for incidental hospital charges


• Up to $4,000 for accident

• Up to $500 for dental pain

Fracture treatment

Following the initial emergency treatment and the one follow-up visit, the company will pay up to a maximum of $1,000 for the following  treatments related to fractures:

• X-ray examinations;  

• Re-examination physician visits;

• Re-casting and new cast, if medically necessary;

• Cast removal;

• Physiotherapy treatment.

Eligible expenses must be incurred during the same trip and prior to your return to your home country

The following benefits must be pre-approved and arranged by Claims at TuGo

Emergency air transportation

Up to Policy limit; includes cost of air ambulance for evacuation to the nearest medical facility or for return to your country of permanent residence; stretcher fare or one-way economy airfare, medical attendant or travelling companion, seat upgrade when medically necessary (for insured and attendant or travelling companion)

Return of children/grandchildren

A one-way economy airfare for for dependent children or grandchildren (up to age 21 or 25 if full-time student; no age limit for mentally/physically handicapped), if  the insured is returned to the home  country under the Emergency Air Transportation Benefit or Repatriation Benefit.

Child care

Up to $2500 per day to a maximum of $2,500 for child care costs for insured's children 18 years and under, if the insured  is  hospitalized. 

Family member transportation

One economy return airfare or ground transportation costs and up to a maximum of $300 per day to a maximum of $1,500 for out-of-pocket expenses for one family member, if the insured is hospitalised


• Up to the policy limit for repatriation (excluding cost of coffin)

• Up to $5,000 for burial/cremation at place of death (excluding cost of burial coffin or urn)

• Transportation costs for one family member to identify the body and up to $300 per day and up to a maximum of $1,500 for meals and accommodation to a maximum of five days; the family member will also be covered as an insured for a maximum of five days

Out-of-pocket expenses

Up to $250 per day to a maximum of $2,500

24-hour Accident  insurance

Up to $25,000

Exclusions and limitations. Visitors to Canada medical insurance does not cover everything. This insurance has exclusions, conditions and limitations.

A Pre-Existing Medical Condition  exclusion:  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:

a) For insureds who are 59 years and under on the application date,

Pre-existing conditions that are not stable in the 120 days before the effective date or the arrival date in Canada, whichever occurs later,

b) For insureds who are 60 to 69 years on the application date,

Pre-existing conditions that are not stable in the 180 days before the effective date or the arrival date in Canada, whichever occurs later,

c) For insureds who are 70 years and over on the application date, Any pre-existing conditions.

Please click on  Pre-existing Medical Condition for more information.


Some Other Exclusions:

•   The company does not pay for medical expenses if a trip is undertaken:
     a) against a Physicians advice; or, b) after diagnosis of a Terminal Condition.

•   Treatment, services or prescriptions required for ongoing care or check-ups.

•   Investigative tests and consultation.

•  Routine pre-natal care;  Voluntary termination of pregnancy or resulting complications;  Childbirth, complications related to pregnancy or childbirth occurring within the nine weeks immediately before or after and including the expected date of delivery;  Medical treatment incurred by a newborn child following the unexpected birth during your trip.

•  Your coaching, teaching, participating, practicing or training for any of the sports listed in the optional Contact Sports Coverage, the optional Adventure Sports Coverage or the optional Extreme Sports Coverage, unless the option was purchased.

•  Any cancer (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.

•   Expenses incurred as a result of your failure to accept or follow the physician’s advice, treatment or recommended treatment.

•   Your abuse of (prior to or during your trip), or intoxication due to alcohol, drugs or medication.

Please refer to the Policy Wording for a complete list of exclusions and limitations.


NOTE: The product-related information is for illustration purpose only. For the complete terms, conditions, limitations and exclusions please refer to the policy wording. If you need assistance, please Contact us .


Get a free quote and buy Online

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 Natalia at 416-493-0101  (or 1-877-443-0101) or click here to ask your question online.


For the questions regarding your existing policy, to make changes to your coverage, change your travel dates, extend your coverage, you can also call at 1-855-929-8846.


What to do in the case of emergency.

Have your policy number or 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.


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 to submit your claim online.  

Consult the claim guideline on your Policy Wording (pg 61-62).

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Revised: December 03, 2020