Student Insurance


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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