TuGo Traveller Visitors to Canada Emergency Medical Insurance
Underwritten by Industrial Alliance Insurance and Financial Services Inc. and certain Lloyd's Underwriters
Who can apply?
Coverage is available for
visitors to Canada, foreign workers, immigrants and returning
Canadians not eligible for provincial health care coverage .
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 physicians 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.
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;
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
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:
does not pay for medical expenses if a trip is
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 physicians 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 (pg 18-19, 39-40) 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 .
Revised: September 14, 2020