TuGo

Benefits

Maximum limit – $2,000,000
– Hospital – Semi-private accommodation. -Medical services. – Private duty nursing services up to $15,000. – Ambulance services including mountain and sea rescue or up to $125 per taxi, if ambulance is required but not available.
– X-ray examinations and diagnostic laboratory procedures. – Prescription Drugs: Up to $10,000 for a maximum 30-day supply. – Medical devices, including but not limited to wheelchairs, crutches and canes.
– Professional medical services of physical therapist, chiropractor, chiropodist, osteopath, podiatrist, acupuncturist, naturopath and speech therapist up to a maximum limit of $600 per doctor. – Emergency air transportation: the cost of air or stretcher evacuation to the nearest medical facility or to return to your country of permanent residence and the cost of return airfare for a medical attendant, if required. *
– Accidental Dental, maximum $5,000 for the repair or replacement of whole or sound teeth. – Emergency dental, maximum $600 for pain relief, not caused by an accident. – Wisdom Teeth – Removal of impacted wisdom teeth, up to $150 per tooth. – Repatriation in the event of death: up to $25,000 for the preparation and return of your body to your home country or up to $5,000 for burial or cremation at the place of death (excluding the cost of a burial casket or urn). Up to $5,000 for transportation costs for a family member to go to the place of death to identify your body, and $150 per day up to $1,500 for meals and business lodging.
– Non-Emergency Treatment: Up to $3,000 per policy for non-emergency medical treatment, following an emergency. – Annual medical visit – up to $150 for a visit to a doctor for a general checkup or consultation session and prescription of the “morning after pill” during a period of 12 consecutive months. – Eye exam: one visit to the optometrist or ophthalmologist every 12 months. – Maternity benefit: up to $25,000 for prenatal care if the pregnancy began during the coverage period. (Delivery and postnatal care are EXCLUDED from the maternity benefit.) – Psychiatric/Psychological Benefit: Up to $1,000 for outpatient care by a psychiatrist or psychologist after an emergency. Up to $10,000 per hospitalization due to psychiatric, psychological, mental, or emotional disorders.
– Family transportation benefit of up to $5,000 for transportation of a family member and up to $150 per day (maximum $1,500) for meals and lodging in the event of your hospitalization if deemed necessary by a treating physician. * – Prescription Eyeglasses/Contact Lenses/Hearing Aids – Up to $200 for prescription eyeglasses, contact lenses, and hearing aids needed as a result of an accident. This benefit does NOT cover the repair or replacement of prescription eyeglasses, contact lenses, and/or hearing aids. – Tutoring Services: Up to $20/hour up to a maximum of $400 for the costs of a qualified private tutoring service if you are hospitalized for 30 consecutive days or more. – Accidental death and dismemberment insurance: up to $10,000. Optional Benefits:
– Accidental death and dismemberment insurance (24-hour accident) – $25,000 – Air flight/public transportation accident – Maximum limit of $100,000 *This benefit must be pre-approved and arranged by Claims at TuGo.

Exclusions

In addition to the general exclusions, the company will not be responsible for providing coverage, services or paying claims for expenses incurred directly or indirectly as a result of: 1. Any pre-existing condition as defined with the exception of any condition that has remained stable in 90 days prior to the effective date of the Policy. Pre-existing conditions that do not meet the criteria set forth above are not covered. 2. Medical treatment and expenses incurred in your country of origin.
3. A medical condition that originated while visiting your home country during the coverage period or any condition in whole or in part, directly or indirectly, related thereto. 4. Voluntary termination of pregnancy or resulting complications; postnatal care and delivery or resulting complications.
5. Medical expenses incurred for an infant 14 days or younger. 6. A trip that is made: a) against the advice of a doctor; or, b) after diagnosis of a terminal condition. 7. Loss, repair or damage to glasses, contact lenses, prostheses, hearing aids. 8. Conditions or any related condition for which, prior to your date of arrival in Canada, investigational tests or consultations were carried out, scheduled or recommended for the purpose of establishing a diagnosis (not including routine check-ups or monitoring routine for a stable condition), and whose results had not yet been received at the time of departure from their country of origin. This includes tests that were recommended or scheduled prior to departure, but had not yet been performed at the time of departure.
9. Testing and research consultation including but not limited to biopsies, except when performed at the time of emergency illness or injury; except as specified in the Medical/Hospital Insurance section, heading Benefits, Non-Emergency Treatment. 10. Any medical treatment that is a continuation of an emergency illness or accident, unless a treating physician declares you medically unfit to return to your home country; except as specified in the Medical/Hospital Insurance section, heading Benefits, Non-Emergency Treatment.
11. Elective treatment or surgery. (Elective treatment or surgery means any medical treatment, test, investigation or surgery: a) not required for the immediate relief of acute pain and suffering; that, if not prosecuted, would not place you in continuing danger; or, b) that could reasonably be delayed until you return to your home country; or, c) that you choose to have provided during an insured trip following emergency medical treatment of a medical condition or diagnosis of a medical condition that, based on medical evidence, would not prevent you from returning to your home country prior to such treatment or surgery.)
12. Non-emergency treatment or surgery, except as specified in the Medical/Hospital Insurance section, Benefits, Non-Emergency Treatment section. 13. Any medical condition or recognized complication of a condition, where the purpose of your trip is to seek medical treatment or advice for that condition, and where medical evidence indicates that the medical treatment is related to that condition. 14. Treatment, service or prescriptions required for continuing care, or provided in a chronic unit of a general hospital, convalescent or convalescent home, health spa or rehabilitation center, or checkups, except as specified in the Insurance section doctor / hospital, heading Benefits, Annual medical visit.
15. A medical condition for which treatment or hospitalization could reasonably have been expected. 16. Any subsequent claim for the same medical condition or related condition with respect to an illness or injury that occurred during a covered trip. 17. Emergency air transportation unless previously approved and arranged by Claims at TuGo. 18. Expenses incurred after emergency air transportation, when the emergency air transportation was not pre-approved and arranged by Claims at TuGo. 19. Expenses incurred as a result of not accepting or following the advice, treatment or treatment recommended by a doctor.
20. Any condition for which you are registered on a waiting list in your home country for treatment or diagnosis. 21. Any amount that would be paid under your study province or territory government health care plan, if you are purchasing this plan in addition to any other primary insurance plan or contract.
General exclusions In addition to the exclusions specified in each insurance coverage, the company will not provide coverage, services or pay claims for expenses incurred directly or indirectly as a result of: 1. a) War, civil war, riots, rebellions, insurrections, revolution, invasion, hostilities or warlike operations (whether war is declared or not), civil commotion, overthrow of legally constituted government, military or usurped power , explosions of weapons of war, use of nuclear, chemical or biological weapons; b) Death or disability in any way caused or contributed by radioactive contamination; or c) Any action taken to control, prevent or suppress any or all of a) or b) above. 2. Suicide or attempted suicide, self-inflicted injury, or the commission or attempted commission of any crime or offense.
3. Scuba diving, unless you have a basic diving designation from a certified school or other authorized body. 4. Participation in any sport as a professional athlete (person who performs a specific activity from which he/she derives the majority of his/her income) or while participating in any motorized sporting event, racing or speed competition, hang gliding, bungee jumping, rock climbing or rock climbing climbing, paragliding, skydiving, skydiving, or mountaineering.(Mountaineering means the act of climbing or descending a mountain using specialized equipment including, but not limited to, pickaxes, ice axes, anchors, bolts, crampons, carabiners, and lead or top rope. Mountaineering includes but is not limited to rock climbing, snow and ice climbing.)
5. Psychotherapeutic treatment or rehabilitation treatment, psychological, emotional or mental disorders, except as specified in the Medical / Hospital Insurance section, heading Benefits, Psychiatric / Psychological. (Mental or emotional disorder means an emotional disorder or condition, anxiety state, situational crisis, anxiety or panic attack, or other mental health disorders that can be treated with tranquilizers or anti-anxiety medications.) 6. The consumption or abuse of any alcohol, drugs or medication, or any event, act or omission caused or contributed to by the use or abuse of alcohol, drugs or medication.
7. A condition arising from or resulting from acquired immunodeficiency syndrome (“AIDS”) or AIDS-related complex (“ARC”) if the condition first manifested before the effective date of coverage, or if the condition arose from human immunodeficiency. Virus (“HIV”) that was first diagnosed or manifested before the effective date. 8. Expenses incurred if other insurance policies, plans or contracts, including any provincial or private automobile insurance, cover the loss. However, if the loss exceeds the limits of the other policies, plans or contracts if this insurance covers losses or periods not covered by those other policies, plans or contracts, this Insurance will apply in excess of all other valid insurance.
This insurance does not provide coverage and no insurer shall be liable to pay any claim or provide any benefit hereunder to the extent that the provision of such coverage, the payment of such claim or the provision of such benefit exposes the insurer to penalties, prohibitions or restrictions. pursuant to United Nations resolutions or the trade or economic sanctions, laws or regulations of the European Union, the United Kingdom or the United States of America.

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Claims

In the event of a medical emergency, immediately call TuGo Claims:
To make a claim, simply contact Claims on TuGo 24 hours a day, seven days a week:
From the US and Canada, call toll free: 1-800-663-0399
From Mexico, call toll free: 001-800-514-9976 or 800-681-8070
Worldwide, call collect: 1-604-278-4108
Notice: All claims must be reported to TuGo no later than 30 days from the date a claim arises. Within 90 days, all documents supporting your claim must be submitted to the insurance company.
You will be responsible for verifying hospital and medical expenses incurred and must obtain itemized accounts for all hospital and medical services provided.
All claims correspondence should be mailed to:
Claims at TuGo 10th Floor, 6081 No. 3 Road Richmond, BC, V6Y 2B2
To file a claim online, visit www.tugo.com/claims
For unresolved disputes regarding any claim or part thereof, you should contact the following: TuGo, 10th Floor, 6081 No. 3 Road, Richmond, BC, V6Y 2B2. Any claim must be filed within one year after the date of the expense.

1-800-663-0399
Claim@tugo.com

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Refunds

Refunds are not available if a claim has been or will be submitted.
Full Refunds A full refund is available if: 1. The entire policy is canceled before the effective date; or, 2. The entire Policy is canceled after the effective date, but no travel has been taken and the application is received within 10 days of the application date; or, 3. You have not arrived in Canada; or, 4. Your student visa to enter Canada is refused; 5. Arrived in Canada or the country of study, but is denied entry to Canada. Refund requests must be submitted to TuGo within 45 days of the effective date.

Partial refunds
Requests for partial refunds must be received no later than 30 days after the expiration date of the Policy. Partial refunds are available after the Policy becomes effective if: 1. You have permanently returned to your home country; or, 2. You become eligible for and covered by a provincial or territorial government health care plan; or, 3. You are no longer enrolled in a school within Canada. Refunds are subject to an administrative fee. Reimbursements will be calculated from the date of your permanent return to your home country, or from the date you became covered by a provincial or territorial government health care plan, or from the date you are no longer enrolled in school within Canada or your country of study. Refunds will not be issued if the amount is $10 or less per Policy.

1-800-663-0399
Claim@tugo.com

Extensions

You can extend your coverage period before your Policy expires by calling your agent. You must meet the following conditions:

1. You have not seen a doctor or other registered medical professional since your date of departure/arrival or since the effective date of your Policy; 2. You have no claim; 3. You are in good health and know of no reason to seek medical attention; 4. Your coverage period has not yet expired; 5. The maximum period of coverage, including extensions, is 365 consecutive days from the effective date.

SECONDARY TRAVEL: Worldwide travel during the coverage period is valid as long as the majority of the coverage period is spent in Canada. Visits to your home country are allowed; your Policy will not terminate; however, expenses will not be covered while you are in your home country.

Elegibility

Applicable to International Students
At the time of application, you are eligible for coverage if:

• You are 69 years and under; and,
• You are a full-time or part-time student enrolled in a school in Canada; and,
• You are not travelling against a physician or other registered medical practitioner’s advice; and,
• You have not been diagnosed with a terminal condition.

Applicable to Family Members of Students
At the time of application, you are eligible for coverage if:

• You are at least 15 days old; and,
• You are 59 years and under; and
• You are a family member of a student who is either insured under a TuGo Student Insurance Policy for International students or meets the eligibility requirements for a TuGo Student Insurance Policy; and,
• You are not travelling against a physician or other registered medical practitioner’s advice; and,
• You have not been diagnosed with a terminal condition.
  1. Your coverage terminates 60 days after the date you are no longer enrolled in a school within Canada.
  2. When you are enrolled in a school, coverage will be provided during school breaks as long as your Policy is in effect during these periods. 

Applicable to Students and Family Members

You can purchase a TuGo Student Insurance Policy even if you are already covered by a government health care plan or any other insurance plan. If you are covered by another plan at the time of a claim, this Insurance will be excess to any other plan.

School An elementary or secondary school, university, college or other recognized institution of learning that is accredited by the local authorities. An accredited school has undergone a validation and/or quality assurance process where the school has been evaluated by an external authority, to determine if the applicable standards are met. If the standards are met, accredited status is granted by the appropriate agency.

Stable: A medical condition is considered stable when all of the following statements are true:

• There has been no deterioration of the medical condition as determined by a physician or other registered medical practitioner, and
• There have been no new symptoms or findings or more frequent or severe symptoms or findings, and
• 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
• 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.

Dependent children – Unmarried children who are dependent on a parent or guardian who is a student eligible under this Policy and are up to and including 21 years or up to and including 59 years, if they have a cognitive, developmental, or physical disability.