TuGo Visitors to Canada Insurance
Underwritten by Industrial Alliance Insurance and Financial Services Inc.
What coverage will you have?
Emergency Medical Insurance
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, international student studying in Canada 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 Canadian returning to Canada from an extended leave who is eligible for but not yet covered by a provincial or territorial government health care plan.
3. You are not travelling against a physician or other registered medical practitioners advice.
4. You have not been diagnosed with a terminal condition.
5. You are not receiving palliative care or palliative care has not been recommended.
6. You do not have Chronic Obstructive Pulmonary Disease (COPD), including emphysema, requiring home oxygen.
7. You do not have pancreatic cancer, liver cancer or any type of cancer that has metastasized or that required a bone marrow transplant.
8. You do not have kidney disease requiring dialysis.
9. You have not had or are not waiting for an organ transplant.
10. You have not been diagnosed with congestive heart failure also known as pulmonary edema.
Applicants 60 years old and over have to complete the Medical questionnaire to determine their insurance rate.
Age. No age limit. Visitors 90 years of age and over can apply for this policy.
This insurance has no deductible. However, you can choose to add one of the following deductible options $150; $500; $1,000; $2,500, $5,000, $10,000. The higher deductible the less the cost of insurance.
This deductible applies to all Emergency Medical Insurance benefits except for the coverage specified under the Additional Benefit for 24-Hour Accident Insurance.
*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 & Friends plan
Available with the Emergency Medical Insurance 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.
Dependent children can be on a Family & Friends plan without an adult.
If you pay the premium for the Family & Friends plan, all insureds must be named in the Policy declaration and will be covered under one Policy.
All insureds on the Family & Friends plan will remain listed on the Policy until the expiry date of the Policy.
Insureds on the Family & Friends plan do not need to be travelling together.
Travel worldwide during the period of coverage is valid as long as the majority of the period of coverage is spent in Canada and you have travelled to Canada first before taking additional trips outside of Canada. Visits to your country of permanent residence are permitted; your Policy will not terminate, however, expenses will not be covered while in your country of permanent residence.
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.
If these conditions havent been met, the insurer may authorize an extension at its discretion. If an extension has been authorized, there would be no coverage for subsequent claims related directly or indirectly to the medical conditions or symptoms for which a claim has been or will be submitted or for which treatment by a physician or other registered medical practitioner was received or required before the effective date of the extension.
Automatic Extensions to Coverage
At the time the period of coverage ends, coverage will be automatically extended at no additional premium :
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.
For 7 days in the event your common carrier is delayed due to circumstances beyond your control, preventing you from returning to your province/territory of residence.
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 but within the 90 days after the expiry date of the Policy.
A partial refund less an administration fee 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.
If there is no 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, a partial refund is calculated from the date the cancellation request is submitted to TuGo.
Applicable to 365-day Policies with a sum insured of $100,000 or more (Super Visa Policies):
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 TuGo.
Note: If your Super Visa application is delayed, please contact your broker before the effective date of the Policy to change the coverage dates of your Policy.
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 90 days from the expiry date of the Policy;
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:
Unstable Pre-existing Medical Condition Coverage
This Optional Coverage can be purchased as an endorsement to the Emergency Medical Insurance plan.
Eligibility: you must be 79 years and under at the time of the application date of this Policy.
Maximum limit: Up to the sum insured as indicated on the declaration.
This coverage does not increase the maximum limits of the Emergency Medical Insurance plan stated in the Policy.
When this Optional Coverage is purchased, the insurer will pay for reasonable and customary charges for medical and related expenses up to the coverage limit for an acute, sudden and unexpected emergency medical condition incurred as a result of your pre-existing medical conditions that do not meet the stability requirements above but stable on or within the 7 days before the effective date of this Policy.
A medical condition is considered stable when all of the following statements are true:
a) There has been no deterioration of the medical condition as determined by a physician or other registered medical practitioner, and
b) There have been no new symptoms or findings or more frequent or severe symptoms or findings, and
c) There has been no change in treatment by a physician or other registered medical practitioner or any alteration in any medication related to the medical condition, and
d) There has been no new treatment received, prescribed or recommended by a physician or other registered medical practitioner.
Alteration: The medication usage, dosage or type has been increased, decreased or stopped and/or a new medication has been prescribed.
Alteration does not include:
Changes in brand to an equivalent name brand or to an equivalent generic brand of the same or equivalent usage or dosage; or,
Routine dosage adjustments within prescribed parameters for insulin or oral diabetes medication to ensure correct blood levels are maintained; blood sugar levels must be checked regularly and the medical condition must remain unchanged; or,
Routine dosage adjustments within prescribed parameters for blood thinner medication to ensure correct blood levels are maintained; blood levels must be checked regularly and the medical condition must remain unchanged; or,
A temporary stoppage of blood thinner medication up to a maximum of 24 hours if the stoppage is required for a surgery or a procedure; or,
Usage changes due to the combination of several medications into one; the medical condition must remain unchanged.
Other Exclusions (Emergency Medical coverage)
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.