Student Insurance


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.


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