TuGo Visitors to Canada Platinum Emergency Travel Insurance
underwritten by Industrial Alliance Insurance and Financial Services Inc. and certain Lloyd's Underwriters
Who can apply? This insurance is designed for visitors to Canada and foreign workers. It also protects immigrants and Canadians returning to Canada after living abroad who are awaiting provincial health plan coverage.
What coverage will you have?
This plan includes :
• Emergency medical & hospital insurance :
Amount of medical coverage is available in increments of $10,000 up to a maximum of $300,000
• Air Flight Accident (up to $25,000)
• 24-Hour Accident Insurance (up to $25,000).
Age. The applicant has to be over the age of 14 days old and has not reached the age of 90 years at the time of application.
Deductibles. This insurance has no deductible. However, the Insured can choose to add one of the following deductible options $500, $1,000, $2,500, $5,000, $10,000 and receive a discount of 10%, 20%, 30%, 35%, 45% on the premium respectively. (Minimum Premium per policy is $20.)
Period of Coverage
a) on the date of departure from your country of permanent residence provided premium is paid in full
b) if the Policy is purchased after arrival in Canada, on the effective date as shown on the application subject to the waiting period requirements.
Coverage terminates on the earliest of the following:
a) at 12:00 Midnight on the expiry date as shown on the application/declaration; OR,
b) on the day you obtain immigrant or refugee status from the Government of Canada and become eligible for or insured under the government health care plan of the province or territory in which you reside.
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, then in respect of any sickness you will only be entitled to receive benefits for the cost of eligible medical expenses incurred after the first 48 hours from the effective date of this policy.
If this policy was purchased 61 days or more after your arrival in Canada then in respect of any sickness you will only be entitled to receive benefits for the cost of eligible medical expenses incurred after seven (7) days from the effective date of this policy.
Family plan is available, if all family members are under 61 years of age. (see Rates).
Authorized Extensions to Period of Coverage
You can extend your period of coverage before your policy expires by calling your broker or TuGo during general business hours. You must meet the following conditions:
a. You have not seen a physician since your arrival date in Canada or the effective date of your Policy;
b. You have not submitted a claim and have no intent to submit a claim;
c. You are in good health;
d. Your period of coverage has not already expired.
Automatic Extensions to Coverage
This Policy, after termination of any one period of coverage, will be automatically extended:
a. for 72 hours in the event a delayed common carrier prevents you from returning to your country of
b. if you are hospitalized during the term of this Policy, for the period of hospital confinement plus 72 hours after release for you to travel home.
A full refund is available:
a. When no travel has taken place and the request for refund is received PRIOR to the effective date of the Policy.
b. When no travel has taken place and the request for refund is received AFTER the effective date of the Policy:
● A full refund is available within 10 days of the application date; or,
● A refund less an administration fee is available when the request for refund is received more than 10 days after the application date but no later than 30 days after the effective date and prior to the expiry date of the Policy.
A partial refund is available if:
a. You return to your country of permanent residence and a minimum term of 45 days remains unused on the Policy; 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 sent to TuGo.
Refunds are not available if a claim has been or will be submitted.
Travel worldwide : Travel worldwide is valid as long as the majority of time is spent in Canada. No coverage provided while in home country.
Summary of Medical &Hospital Benefits
Note: This information is a summary of benefits.. For the complete terms, conditions, limitations and exclusions please refer to the policy wording.
Revised: November 26, 2020