Administrated by: TuGo
Underwritten by: Industrial Alliance Insurance and Financial Services Inc.
24h Emergency Assistance Center: Claims at TuGo.

IMPORTANT NOTE: The product-related information on this website is for illustration purposes only. For complete benefits, terms, conditions, limitations and exclusions, please see the policy booklet at the download section below. Please read and understand your policy before you travel.

BENEFITS:
- Emergency Medical Expenses maximum benefits: $5,000,000
- Hospital Services - semi-private accommodation.
- Physician Services.
- Ambulance Services - ground, air or sea rescue ambulance and paramedics.
- X-ray Examinations and diagnostic laboratory procedures.
- Prescription Drugs for a maximum supply for 30 days (up to $200 for lost, stolen or damaged prescription drugs).
- Vision Care and Hearing Aids – up to $1,000 for the replacement of prescription glasses/sunglasses, contact lenses or hearing aid due to theft, loss or breakage.
- Rent or purchase of essential medical appliances including but not limited to wheelchairs, crutches and canes.
- Private Duty Nursing services.
- Follow-Up Visit - One follow-up visit within the 14 days after the initial emergency medical treatment.
- Fracture Treatment - up to $1,250 for cast removal, physiotherapy, X-ray, re-examination or re-casting, if medically necessary.
- Professional Medical Services of physiotherapist, chiropractor, chiropodist, osteopath, podiatrist, optometrist and acupuncturist up to a maximum limit of $700 per practitioner.
- Accidental Dental up to the policy limit for an accidental blow to the face requiring the repair or replacement of whole or sound teeth. 
- Emergency Dental, maximum $700 for a pain relief, other than caused by an accident.
- Hospital Allowance - $100 per day for TV rental and telephone charges while in hospital.
- Remote Evacuation – Up to $6,000 for reimbursement of expenses for non-medical emergency evacuation from a remote location. This includes search and rescue services for mountain, sea or other remote locations.
- Emergency Air Transportation air ambulance, one-way airfare, stretcher, and/or a medical attendant to the nearest appropriate medical facility or to return you to your home province for immediate medical treatment. * This benefit also includes up to $700 to return your excess baggage. *
- Domestic Services in Canada – up to $300 for domestic services (cooking, cleaning, child care or pet care) at your principal residence, if you have been returned to your home province under the Emergency Air Transportation Benefit.
- Medical Follow Up in Canada - up to $1,000 for a semi-private room, $100 for home care nursing, $300 for ambulance services, and $300 for rent or purchase of essential medical appliances, if you have been returned to your home province under the Emergency Air Transportation Benefit.
- Return of Travelling Companion - one-way economy airfare for one travelling companion to return back to the original departure point, if you are returned to Canada under the emergency air transportation benefit. *
- Return of Dependent Children - one-way economy airfare for dependent children travelling with you to return back to the original departure point and the cost of a chaperone when necessary, if you are returned to your home province under the emergency air transportation benefit. *
- Child Care – Up to $500 per day to a maximum of $5,000 for child care costs for insured children 18 years and under who are travelling with you when you are confined to hospital.
- Return to Your Destination - one-way economy airfare to return you to the place you departed from or to continue your trip as originally scheduled, if you are returned to your home province under the Emergency Air Transportation Benefit.
- Repatriation (Return of Deceased) – the cost of preparation and return of your body to your home province or up to $6,000 for burial or cremation at the place of death (excluding cost of a burial coffin or urn).
- Family Transportation - the cost to bring a family member to you and up to $500 per day to a maximum of $2,500 for meals and accommodation, in case you have been hospitalized or to identify your body (if necessary) in case of your death. *
- Out of Pocket Expenses – up to $500 per day to a maximum of $5,000 for your commercial accommodation, meals, telephone calls, internet charges, taxi fare, parking charges, bus fare and/or rental, if your travelling companion is confined to hospital on or after the date you are scheduled to return to your home province OR Your travelling companion is transferred to a different hospital in another city for emergency medical treatment.
- Return of Vehicle – up to the policy limit to return your vehicle in case of a medical emergency. *
- Return of Accompanying Pet – up to $300 for returning your accompanying pet, if you have been returned to your home province under the emergency air transportation or the repatriation benefit.
- Unexpected Birth of a Child - $25,000 for medical expenses incurred by your newborn child following the unexpected birth. This benefit is not payable during the nine weeks before the expected date of delivery or within the nine weeks after.
- Air Travel Delay Expenses – up to $900 for meals and accommodation, up to $400 for additional transport, up to $400 for entertainment and up to $900 for baggage lost.

*Some of the benefits need to be pre-approved and arranged by Claims at TuGo. Please read the insurance policy (attached below) for full descriptions and condition of the insurance benefits. 

OPTIONAL SPORTS & ACTIVITIES COVERAGE (up to the sum insured):
Applicable to All Ages: When this Optional Coverage is purchased, the company will reimburse you for the reasonable and customary charges for medical and related expenses up to the coverage limits for an acute, sudden and unexpected emergency medical condition while participating in, training or practicing for the following sports or activities, if you select the applicable sport or activity at the time of application: 
Maximum limit – Up to the Policy limit: Backcountry skiing/snowboarding; Boxing; Downhill freestyle skiing/snowboarding in organized competitions; Downhill mountain biking; Ice climbing; Mixed martial arts; Rock climbing; Mountaineering up to a 6,000-metre elevation; Mountaineering over a 6,000-metre elevation.
Maximum limit – Up to $500,000: BASE jumping; Hang gliding/paragliding; High risk motorized speed ctivities;  High risk snowmobiling and motorized snow biking; Parachuting/skydiving/tandem skydiving; Scuba diving or free diving over 40 metres; White water sports – Class VI; Wingsuit flying.
Applicable to Insureds 21 years and over at the Time of Application: When this Optional Coverage is purchased, the company will reimburse you for the reasonable and customary charges for medical and related expenses up to the coverage limits for an acute, sudden and unexpected emergency medical condition while participating in, training or practicing on behalf of a registered team, league, association or club; or while competing in a registered tournament, competition or sporting event for the following sports, if you select the applicable sport at the time of application: 
Maximum limit – Up to the Policy limit: Football (American and Canadian); Ice hockey; Rugby.
The charges must result from an emergency that first occurs after coverage commences (including after any applicable waiting period) and while you are travelling outside your country of permanent residence.
For any of the sports or activities listed above, if you are coaching and/or officiating as a referee or sports official, the Sports & Activities Optional Coverage is not required for coverage to apply.
Any sports or activities with a benefit limit of $500,000 have a combined limit of $500,000 total for all sports & activities selected.

OTHER PLANS (additional rates apply)
- Multi Trip Annual – 2, 5, 10, 15, 20, 35 and 60 days options
- All Inclusive Package - Hospital and Medical up to $5,000,000; Trip Cancellation up to $1,000; Flight Accident $100,000; Trip Interruption - $25,000 and Baggage up to $500.
- Non-Medical Package - Trip Cancellation up to $1,000; Flight Accident $100,000; Trip Interruption - $25,000 and Baggage up to $500.
- Trip Cancellation & Interruption or Trip Interruption only - before departure: up to $100,000 and after departure: unlimited
- Accidental Death & Dismemberment – up to $100,000
- Rental Car Protection – up to $50,000 for physical damages or loss of a rented vehicle
- Baggage - $1,500 per person

ELIGIBILITY:
You are eligible for coverage if:
1.    You are a Canadian resident.
2.    You are not travelling against a physician or other registered medical practitioner’s advice.
3.    You have not been diagnosed with a terminal condition.
4.    You are not receiving palliative care or palliative care has not been recommended.
- You must be insured under the government health care plan of the province or territory in which you reside.
- The length of travel out of your home province does not exceed the number of days selected at the time of application or authorized extension period.

PRE-EXISTING CONDITIONS:

A pre-existing condition must meet the following stability periods in order to by covered by this insurance.

Applicable to Insureds 59 Years and under (on the application date)  

a) On trips 35 days or less, any pre-existing condition which has remained stable in the 7 days before the date of departure.

b) On trips over 35 days, any condition which has remained stable in 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.

Applicable to Insureds 60 to 74 Years (on the application date)
On all trip lengths, any pre-existing condition which has remained stable in the 180 days before the date of departure.

Applicable to Insureds 75 Years and Over (on the application date)
On all trip lengths, any pre-existing condition which has remained stable in the 365 days before the date of departure. 

Travel Within Canada - There is no stability requirement for pre-existing medical conditions.

STABLE: 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 means the medication usage, dosage or type has been increased, decreased or stopped and/or a new medication has been prescribed.
Alteration does not include:
a) Changes in brand to an equivalent name brand or to an equivalent generic brand of the same or equivalent usage or dosage; or,
b) 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,
c) 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,
d) 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,
e) Usage changes due to the combination of several medications into one; the medical condition must remain unchanged.

EXTENSIONS:
You can extend your period of coverage before your policy expires.
An administration fee may be charged in addition to the premium for the additional number of days required.
You must meet the following conditions:
Applicable to All Coverages
1.    You have not submitted a claim and have no intent to submit a claim.
2.    Your period of coverage has not already expired.
3.    Extensions are not available if total trip length exceeds two years from the effective date of the original Policy.
Applicable to Emergency Medical Insurance
1.    You have not seen a physician or other registered medical practitioner since your departure date or the effective date of the policy.
2.    You are not currently experiencing any symptoms and you do not know of any reason to seek medical attention.
If these conditions haven’t been met, an extension may be authorized at the discretion of TuGo. If an extension has been authorized, there would be no coverage for subsequent claims related directly or indirectly to the condition(s) or symptom(s) for which a claim has been or will be submitted or for which medical treatment was received or required prior to the effective date of the extension.

AUTOMATIC EXTENSIONS TO COVERAGE
At the time the period of coverage ends, your coverage will be automatically extended at no additional premium:
Hospitalization: If you, your family travelling with you or your travelling companion are hospitalized as a result of testing positive for and being diagnosed with COVID-19. The automatic extension will be provided to you for the remaining period of the hospitalization, plus up to seven days after hospital release to recover and/or travel home.
Delay of Common Carrier: If your common carrier is delayed due to circumstances beyond your control, preventing you from returning to your province/territory of residence. The automatic extension will be provided to you for up to seven days. In the event of a claim, written documentation must be provided to us to substantiate the common carrier delay.
Medically Unfit to Travel: If you, your family travelling with you or your travelling companion are unable to travel on the scheduled return date as a result of testing positive for and being diagnosed with COVID-19 that does not require hospitalization. The automatic extension will be provided to you for up to seven days to recover and/or travel home. In the event of a claim, written documentation must be provided to Claims at TuGo by the attending physician to substantiate the inability to travel home as originally scheduled.
Quarantine: If you, your family travelling with you or your travelling companion are unable to travel on your scheduled return date due to being placed under quarantine after a positive COVID-19 test, the automatic extension will be provided to you for up to 14 days. In the event of a claim, written documentation must be provided to us to substantiate the quarantine.

REFUNDS: 
Refunds are not available if a claim has been or will be submitted.
Refunds after the effective date of the Policy must be requested in writing.
Applicable to Multi Trip Annual and Single Trip
1.  When the request for refund is received BEFORE the effective date of the Policy, a full refund is available.
2.  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 of the Policy; or,
   b) For Single Trip plans, a partial refund less an administration fee is available when the request for refund is received more than 10 days after the application date of the Policy but before the expiry date of the Policy.  
   c) For Multi Trip Annual plans, a partial refund less an administration fee is available when the request for refund is received more than 10 days after the application date of the Policy but within the 90 days after the effective date of the Policy.
Applicable to Single Trip Only
1. When travel has taken place, a partial refund less an administration fee is available. Refunds are calculated as follows: 
a) From the date the cancellation request is submitted to TuGo, whether or not you are in your province/territory of residence; or, 
b) From the date of return to your province/territory of residence if a satisfactory proof of return is sent to us and the request is received by us within the 90 days after the expiry date of the Policy.

CLAIMS:
In the event of hospitalization, call Claims at TuGo immediately:
From Canada & USA: 1-800-663-0399
From Mexico: 001-800-514-9976 or 01-800-681-8070
Outside N. America & Mexico (global toll-free): 800-663-00399
Worldwide (collect): 604-278-4108
All claims correspondence should be mailed to:
Claims at ToGo
1200-6081 No. 3 Road
Richmond, BC, V6Y 2B2
For Online Claims Submission visit: www.tugo.com/claims
Notice: Claims will not be considered unless the Claim Form is completed in full and signed by the claimant (or legally authorized representative). If requested by Claims at TuGo a Certificate of Canadian Physician must also be completed. Failure to provide fully completed, original forms will invalidate your claim.
Any cost incurred to obtain documentation required to confirm eligibility of your claim is the responsibility of the claimant.
All documents supporting your claim have to be sent to the insurance company within the 90 days from the date of service. 
Claims for medical, dental and trip cancellation & trip interruption can be opened online at tugo.com/claims, although some restrictions apply.  

EXCLUSIONS:
In addition to the General Exclusions below, 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:
1. Any complications that develop after departure, related to a pre-existing medical condition that was not stable on or before the date of departure. For stability requirements, refer to the Pre-existing Medical Condition Stability Exclusion. This exclusion does not apply to Travel within Canada plans.
2. Any claim incurred after a physician advised you not to travel.
3. Any claim incurred after any other registered medical practitioner advised you not to travel.
4. A trip that is undertaken after the diagnosis of a terminal condition.
5. A trip that is undertaken while you are receiving palliative care or after palliative care has been recommended.
6. Medical conditions or any related medical conditions for which, on or before departure, diagnostic tests took place, were scheduled to take place or were recommended and for which results had not yet been received at the time of departure. This includes diagnostic tests that were scheduled or recommended on or before departure, but had not yet taken place at the time of departure.
This exclusion does not apply to:
a) Tests to monitor an existing medical condition if there have been no new or more frequent symptoms, whether or not results have been received; or,
b) Screening tests intended to prevent illness or to detect medical conditions before symptoms are noticed, whether or not results have been received.
7. Any medical condition related to COVID-19, except as specified in the COVID-19 benefit. This exclusion does not apply to travel within Canada.
8. The cost of any mandated test required for travel.
9. Medical conditions or any related medical conditions for which, on or before departure, tests to follow up on the effectiveness or response to a procedure, surgery or hospitalization were scheduled to take place or were recommended. This includes tests that were scheduled or were recommended on or before departure, but had not yet taken place at the time of departure.
10. Medical conditions or any related medical conditions for which before departure, medical procedures, surgeries and/or referrals to a specialist were scheduled to take place or were recommended but had not yet taken place at the time of departure.
11. Any cancer (other than basal cell or squamous cell skin cancer and/or cancer that is in remission) for which you received or were recommended to receive active cancer treatment on or within the 90 days before the date of departure. This includes active cancer treatment that you were recommended to receive but chose to decline.
12. Tests and investigation except when performed at the time of the initial emergency medical condition.
13. a) Any medical condition, including symptoms of withdrawal, arising from, or in any way related to, your chronic use of alcohol, drugs or other intoxicants whether prior to or during your trip.
b) Any medical condition arising during your trip from, or in any way related to, the misuse or abuse of drugs or other intoxicants, or to the use or abuse of alcohol when you have reached a blood alcohol level of 80 milligrams of alcohol per 100 milliliters of blood or when records indicate you were intoxicated and no blood alcohol level is specified.
14. Any medical condition for which you are registered on a waiting list in Canada for treatment or diagnosis.
15. Expenses incurred once the emergency ends and in the opinion of the attending physician or other registered medical practitioner, you are able to travel to your province/territory of residence for any further treatment relating to the medical condition that led to the emergency, unless otherwise specified in a benefit.
16. The continued treatment, recurrence or complication of a medical condition or related condition, following emergency treatment during your trip, if TuGo determines that your emergency has ended, unless otherwise specified in a benefit.
17. Any expenses incurred as a result of a disease or illness that originated or was symptomatic during the waiting period. This exclusion does not apply when this Policy is purchased to top-up any other insurance plan.
18. Expenses incurred for emergency air transportation and any expenses incurred after emergency air transportation, when the emergency air transportation was not arranged by us.
19. Any medical condition or related expenses if TuGo determines that you should transfer to another facility or could return to your province/territory of residence for treatment, and you choose not to, benefits will not be paid for further treatment related to the medical condition.
20. An official travel advisory issued by the Canadian government stating to “avoid all travel” or “avoid non-essential travel” regarding the country, region or city of your destination, before the effective date of the Policy or the date you travel to that destination (including any stopovers, layovers or any other destinations you are transiting through). To view the travel advisories, visit the Government of Canada Travel site.
If an official travel advisory is issued for the country, region or city of your destination after you have already arrived to that country, region or city, your coverage for an emergency or a medical condition related to the travel advisory in that specific destination will be limited to a period of 30 days from the date the travel advisory was issued. The company may extend this coverage beyond 30 days if authorized at the company’s discretion. This exclusion does not apply to claims for an emergency or a medical condition unrelated to the travel advisory.
21. Expenses incurred when coverage is purchased after departure, unless TuGo authorized it in advance.
22. Any medical and related expenses in excess of $50,000, if you are not covered by a provincial or territorial government health care plan at the time your claim occurred.
23. A medical condition for which symptoms arose or worsened or for which emergency treatment was received after the date of departure but before the effective date of this Policy, except as specified under the heading Period of Coverage, sub-heading Top-up.
24. A medical condition for which symptoms arose or worsened or for which treatment by a physician or other registered medical practitioner was received during a temporary visit to your  province/territory of residence during the period of coverage or any medical condition wholly or partly, directly or indirectly, related thereto. This exclusion does not apply if the treatment was for either:
a) The unchanged use of prescribed drugs or medication for a stable medical condition, symptom or problem; or,
b) A check-up where the physician or other registered medical practitioner observes no change in a previously noted medical condition, symptom or problem.
25. Loss, theft or breakage of prosthetic devices or dentures.
26. Your participating, training or practicing for the following sports or activities unless you have paid the applicable surcharge(s) for the Sports & Activities Coverage as shown on your Policy declaration:
Backcountry skiing/snowboarding; Base jumping; Boxing; Downhill freestyle skiing/snowboarding in organized competitions; Downhill mountain biking; Hang gliding/paragliding; High risk motorized speed activities; High risk snowmobiling and motorized snow biking; Ice climbing; Mixed martial arts; Mountaineering over a 6,000-metre elevation; Mountaineering up to a 6,000-metre elevation; Parachuting/skydiving/tandem skydiving; Rock climbing; Scuba diving or free diving over 40 metres; White water sports – Class VI; Wingsuit flying.
27. Your participating, training or practicing as part of a registered team, league, Association or club; or while competing in a registered tournament, competition or sporting event for the following sports or activities, if you are 21 years of age and over at the time of application, unless you have paid the applicable surcharge(s) for the Sports & Activities Coverage as shown on your Policy declaration:
Football (American and Canadian); Ice hockey; Rugby.

GENERAL EXCLUSIONS: 
In addition to the exclusions specified in each Insurance coverage, this Insurance does not provide payment or indemnity for expenses incurred directly or indirectly as a result of:
1. Your participation in and/or voluntary exposure to acts of war or acts of terrorism.
2. Death, disablement or injury in any way caused by or contributed by radioactive contamination or by the utilization of nuclear, chemical or biological weapons (whether or not caused by acts of war or acts of terrorism).
3. Any medical condition that is the result of you not following treatment as prescribed to you, including prescribed or over the counter medication.
4. Consumption or use of illegal or controlled drugs (based on the law where the cause of the claim occurred).
5. Your participating, training or practicing in any areas that have been closed off to public access and/or can typically only be accessed by crossing a fenced, gated or roped-off area that has been marked as off limits according to recommendations of safety authorities in the area for the following activities:
Backcountry skiing/snowboarding; Downhill freestyle skiing/ snowboarding in organized competitions; High risk snowmobiling and motorized snow biking; Ice climbing; Mountaineering over a 6,000-metre elevation; Mountaineering up to a 6,000-metre elevation; Rock climbing.
6. Your participating in, training or practicing for any of the following sports or activities: Barrel racing; Bronc riding; Bull riding; Chariot racing; Chuck wagon racing; Harness racing; Rodeo bareback racing; Rodeo clowning; Rodeo team roping; Steer wrestling/chute dogging; Trick riding
7. A trip made for the purpose of obtaining a diagnosis, treatment, surgery, investigation, palliative care, or any alternative therapy, as well as any directly or indirectly-related complication.
8. a) Routine pre-natal or post-natal care; or
    b) Pregnancy, delivery, or complications of either, arising within the nine weeks before the expected date of delivery or within the nine weeks after.
9. Your child born during the trip, except as specified under the Unexpected Birth of a Child benefit.
10. Your voluntary termination of pregnancy or resulting complications.
11. Your suicide or attempt thereat or self-inflicted injury.
12. Your commission or attempted commission of a criminal offence or illegal act based on the law where the cause of the claim occurred.
13. Non-emergency, experimental or elective treatment or procedures (including but not limited to ongoing care, chronic care, rehabilitation or check-ups) and their related complications.
14. a) Cosmetic surgeries, procedures and/or treatments, and
      b) Complications related to cosmetic surgeries.
15. Any medical condition or symptoms for which it is reasonable to believe or expect that treatments will be required during your trip.
16. Unless otherwise stated in this Policy (see General Condition, number 4), expenses incurred if other insurance policies, plans or contracts cover the loss. This includes, but is not limited to, any private or provincial automobile insurance plan or any provincial or territorial government health care plan. If, however, the loss exceeds the limits of the other policies, plans or contracts and if this Insurance covers losses and periods not covered by those other policies, plans or contracts, this Insurance shall then apply in excess of all other valid insurance. This exclusion does not apply to Accidental Death and Dismemberment Insurance and Baggage Insurance.

Applicable to Insureds 60 Years and Over:
If you qualify for the coverage selected but you or a representative purchasing insurance on your behalf have failed to answer truthfully and accurately any question asked in the Medical Health Questionnaire, any claim will be subject to an extra deductible of $15,000 USD in addition to any other applicable deductible amount, and no future coverage will be provided under this Policy unless you pay the additional premium reflecting true and accurate answers to those questions. 

IMPORTANT NOTE: The product-related information on this website is for illustration purposes only. For complete benefits, terms, conditions, limitations and exclusions, please see the policy booklet at the download section below. Please read and understand your policy before you travel.

RATES:

FAMILY & FRIENDS RATE AGES 59 YEARS AND UNDER
A Family & Friends plan is 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.

DOWNLOADS:

TuGo Travel Insurance POLICY PDF

TuGo Travel Insurance Medical Questionnaire age 60+ DocuSign (fillable)

TuGo is a trademark used by North American Air Travel Insurance Agents Ltd. dba TuGo and its related companies under license.

TuGo supports THiA Bill of Rights. For more information, go to www.thiaonline.com/Travel_Insurance_Bill_of_Rights_and_Responsibilities.html