Tugo Sports & Activities

Applicable to All Ages: when this Optional Coverage is purchased, the company will pay 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
       • Mountaineering over a 6,000-metre elevation
       • Mountaineering up to a 6,000-metre elevation
       • Rock climbing

Maximum limit – Up to $500,000
      • BASE jumping
      • Hang gliding/paragliding
      • High risk motorized speed activities
      • 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

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 of your province/territory of 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.

Applicable to Insureds 21 years and over at the Time of Application: when this Optional Coverage is purchased, the company will pay 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 of your province/territory of residence.