TuGo

Benefits

-Maximum benefits: $10,000; $25,000; $50,000; $100,000, $200,000 and $300,000. – Hospital services: semi-private accommodation.
-Medical services. – Ambulance services: land, air or sea ambulance to the nearest hospital. – X-ray examinations and diagnostic laboratory procedures. – Medications prescribed for a maximum period of 30 days. -Medical Devices: The cost to rent or purchase essential medical devices, including but not limited to wheelchairs, crutches, and canes. – Fracture treatment- up to $1,000 for cast removal, physical therapy, x-rays, reexamination or repositioning, if medically necessary.
– Private nursing services. – Professional medical services of a physical therapist, chiropractor, chiropodist, osteopath, podiatrist, optometrist, and acupuncturist up to a maximum limit of $600 per physician. – Follow-up Visits 5 follow-up visits within 14 days of initial emergency medical treatment if needed. – Accidental Dental, maximum $6,000 for the repair or replacement of whole or sound teeth. – Emergency dental, maximum $600 for pain relief, not caused by an accident. – Return of deceased (repatriation):
the preparation and return of your body or ashes to your home country or up to $6,000 for burial or cremation at the place of death (excluding the cost of a funeral, burial casket, or urn). This benefit also includes transportation costs and an allowance of $400 per day up to a maximum of $2,000 for meals and lodging for a family member to go to the place of your death to identify your body when necessary. – Hospital Allowance: Up to $100 per day to cover hospital charges for TV and phone rentals. – Emergency air transport:
The cost of medical air evacuation, a stretcher or one-way economy airfare to return to your country of permanent residence, and the cost of a medical assistant if needed. * – Return of dependent children: cost of airfare and a companion to return dependent children traveling with you back home, if you return to your country of permanent residence under the Emergency Air Transportation Benefit or the Repatriation Benefit . * – Child Care: Up to $500 per day up to a maximum of $5,000 for child care costs if you are hospitalized. – Family transportation: transportation costs and allowance of $400 per day up to a maximum of $2,000 for meals and lodging.
to have a family member with you while you are hospitalized, if deemed necessary by a treating physician. * – Out-of-Pocket Expenses: Up to $500 per day up to a maximum of $5,000 for your accommodation, meals, phone calls, internet charges, taxi fare, parking fees, bus fare and/or car rental in place, if your traveling companion is hospitalized on or after the scheduled date of return to his country of permanent residence. – Accidental death and Dismemberment insurance: up to $25,000. – Vehicle return: up to $2,500 to return a vehicle you own or rent if you cannot continue your trip using the vehicle you used to leave your country of permanent residence. * – Maternity: up to a maximum of $6,000 for prenatal care, childbirth and/or complications thereof arising within nine weeks prior to the expected date of delivery, provided that the pregnancy began after the effective date of the Policy. – Flight coverage to/from Canada: The effective date may be: a) The date you leave your country of permanent residence to travel directly to Canada (direct travel includes stops and stopovers), provided that the trip to Canada does not exceed 48 hours; or, b) The date of arrival in Canada; or, c) Any date after your arrival in Canada. Coverage ends on the date and time you permanently return to your country of permanent residence.
* These benefits are paid only when pre-approved and arranged by Claims at TuGo. OPTIONAL ACCIDENTAL DEATH AND DISMEMBERMENT: When this Optional Coverage is purchased, up to $100,000 per Airline/Common Carrier and $25,000 per 24 Hour Accident is added to AD&D coverage. OPTIONAL COVERAGE FOR ACTIVITIES AND SPORTS (up to the insured amount): Applicable to all ages: When this Optional Coverage is purchased, the company will reimburse you for reasonable and customary charges for medical and related expenses up to the coverage limits for an acute illness, Sudden and unexpected emergency medical condition while participating, training, or playing the following sports or activities, if you select the applicable sport or activity at the time of application:
Cross-country skiing/snowboarding; base jump; Boxing; Freestyle alpine skiing/snowboarding in organized competitions; Downhill mountain biking; hang gliding / paragliding; High risk snowmobiling; Ice climbing; Mixed martial arts; motorized speed contests; Mountaineering; Skydiving / skydiving / tandem skydiving; Rock climbing; Scuba diving or free diving to more than 40 meters; Whitewater Sports – Class VI; I fly in a flight suit. Applicable to Insureds 21 years of age or older only: When this Optional Coverage is purchased, the company will reimburse you for 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, trains or practices on behalf of a registrant. team, league, association or club; or while competing in a registered sporting event, competition or tournament for the following sports, if you select the applicable sport at the time of application:
Football (American and Canadian); Ice Hockey; Rugby. Charges must be the result of an emergency that occurs for the first time after coverage begins (including after any applicable waiting period) and while traveling outside of your country of permanent residence.

Exclusions

Other than the general exclusions shown below, TuGo will not be responsible for providing coverage or services, or paying claims for expenses incurred directly or indirectly as a result of:
1. Any complication that develops after departure, related to an existing medical condition that was not stable on or before the effective date of the Policy. For stability requirements, see the Pre-Existing Medical Conditions Stability Exclusion. 2. Any claim incurred after a doctor advised you not to travel. 3. Any claim incurred after any other registered physician has advised you not to travel. 4. A trip that takes place after the diagnosis of a terminal condition. 5. A trip that takes place while you are receiving hospice care or after hospice care has been recommended.
6. Medical conditions or any related medical conditions for which, prior to the effective date of the Policy, diagnostic tests were performed, scheduled to be performed, or recommended, and the results of which have not yet been received by the effective date of the Policy. the same or earlier. Politics. This includes diagnostic tests that were scheduled or recommended on or before the effective date of the Policy, but have not yet been performed on or before the effective date of the Policy. 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 disease or detect medical conditions before symptoms are noticed, whether or not results have been received. 7. Medical conditions or any related medical condition for which, on or before the effective date of the Policy, follow-up tests of the effectiveness or response to a procedure, surgery or hospitalization are scheduled or recommended. This includes tests that were scheduled or recommended on or before the effective date of the Policy, but have not yet been performed on or before the effective date of the Policy. 8. Medical conditions or any related medical conditions for which prior to the effective date of the Policy, medical procedures, surgeries and/or referrals to a specialist were scheduled or recommended, but had not yet been performed at the time of the Policy. validity. Policy date. 9. Mental or emotional illnesses or disorders, unless resulting in hospitalization. 10. Acute psychosis if induced by drugs or alcohol.
11. Any cancer (other than basal cell or squamous cell skin cancer and/or cancer in remission) for which you received or were recommended to receive active anti-cancer treatment on or within 90 days prior to the date of term of the policy. This includes active cancer treatment that you were recommended to receive but chose to decline. 12. Tests and investigations, except when performed at the time of the initial emergency medical condition. 13. Any expenses incurred as a result of an illness that originated or was symptomatic during the waiting period. 14. Continued treatment, recurrence, or complication of a medical or related condition, following emergency treatment during your trip, if we determine that your emergency is over, unless otherwise specified in a benefit. 15. a) Any medical condition, including withdrawal symptoms, arising from your chronic use of alcohol, drugs or other intoxicants, or related in any way to their chronic use, either before 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 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.
16. Expenses incurred for emergency air transportation and any expenses incurred after emergency air transportation, when the emergency air transportation was not arranged by us. 17. Any medical condition or related expenses if we determine that you must relocate to another facility or may return to your country of permanent residence for treatment and you choose not to do so, no benefits will be paid for further treatment related to the medical condition. 18. An official travel advisory issued by a Canadian government stating that optional, discretionary and/or non-essential travel to Canada should be avoided, prior to the date of your arrival in Canada. If an official travel warning is issued for a province/territory, region or city within Canada after you have already arrived in that province/territory, region or city, your coverage for an emergency or medical condition related to the travel advisory in Canada will be limited to a period of 30 days from the date the travel warning was issued. We may extend this coverage beyond 30 days if authorized in our discretion. To view travel advisories, visit the Government of Canada’s travel site. This exclusion does not apply to claims for an emergency or medical condition not related to the travel advisory.
This exclusion does not apply to claims incurred due to COVID-19 (coronavirus), unless there is an official travel advisory issued by a Canadian government stating to avoid all travel to Canada. If you are a foreign worker, an international student studying in Canada, an immigrant awaiting health care coverage from the provincial or territorial government, or a Canadian returning to Canada, coverage for an emergency or medical condition related to the warning The travel policy will remain in force until the policy expires. For travel outside of Canada
An official travel warning issued by a Canadian government stating “avoid all travel” or “avoid non-essential travel” for the country, region or city of your destination, prior to the date you travel to that destination (including stopovers, layovers or any other destinations through which you are in transit). To view travel advisories, visit the Government of Canada’s travel site. If an official travel advisory is issued while traveling outside of Canada for the country, region or city of your destination after you have arrived in that country, region or city, your coverage for a travel-related emergency or medical condition. notice at that specific destination will be limited to a period of 30 days from the date the travel notice was issued. We may extend this coverage beyond 30 days if authorized in our discretion. This exclusion does not apply to claims for an emergency or medical condition not related to the travel advisory.
This exclusion does not apply to claims incurred due to COVID-19 (coronavirus), unless there is an official travel advisory issued by a Canadian government stating “avoid all travel”. 19. A medical condition for which symptoms arose or worsened or for which treatment was received by a physician or other registered medical professional during a temporary visit to your country of permanent residence during the coverage period or any total medical condition or partially, directly or indirectly, related to it. This exclusion does not apply if the treatment was for: a) The unchanged use of prescription drugs or drugs for a stable medical condition, symptom or problem; or, b) A check-up in which the doctor or other registered medical professional does not observe any change in a previously indicated medical condition, symptom or problem. 20. Treatment by a physician or other registered physician and expenses incurred while in your country of permanent residence or in the country in which you were traveling or residing before arriving in Canada. This exclusion does not apply to a returning Canadian. 21. Loss, theft, breakage of prescription glasses, contact lenses, prostheses, hearing aids and dentures.
22. Your participation, training or practice in the following sports or activities, unless you have paid the applicable charges for Sports and Activities Coverage, as shown on your Policy statement: Ski touring/snowboarding; base jump; Boxing; Freestyle alpine skiing/snowboarding in organized competitions; Downhill mountain biking; hang gliding / paragliding; High risk snowmobiling; Ice climbing; Mixed martial arts; motorized speed contests; Mountaineering; Skydiving / skydiving / tandem skydiving; Rock climbing; Scuba diving or free diving to more than 40 meters; Whitewater Sports – Class VI; I fly in a flight suit. 23. Participate, train or practice as part of a registered team, league, association or club; or while competing in a registered sporting tournament, competition or event for the following sports or activities, if you are 21 years of age or older, unless you have paid the applicable charges for Sports and Activity Coverage as shown on your Policy statement :Football (American and Canadian); Ice Hockey; Rugby. General Exclusions: Other than the exclusions specified in the Emergency Medical Insurance Exclusions for Visitors to Canada, this insurance does not provide payment or compensation for expenses incurred directly or indirectly as a result of: 1. Your voluntary participation in and/or exposure to acts of g

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

Refunds

Refunds are not available if a claim has been or will be submitted.
Refunds must be requested in writing.
1. Where no travel has been made and the request for reimbursement is received BEFORE the effective date of the Policy, a full reimbursement is available.
2. When no trip has been made and the request for reimbursement is received AFTER the effective date of the Policy:
a) A full refund is available within 10 days from the policy application date; or, b) A refund less an administrative fee is available when the refund request is received more than 10 days after the policy application date, but within 90 days after the Policy expiration date.
3. When the trip has been made, a partial refund is offered less an administrative fee. Refunds are calculated as follows:
a) As of the date the cancellation request is sent to us, whether or not you have returned to your country of permanent residence or have become eligible for and/or covered by a provincial government health care plan or territorial during the coverage period; or, b) From the date you return to your country of permanent residence if satisfactory proof of return is sent to us and we receive the request within 90 days after the expiry date of the Policy; or, c) From the date you become eligible and/or covered under a provincial or territorial government health care plan during the coverage period, if satisfactory proof of provincial government health care coverage is submitted to us or territorial and we receive the request. within 90 days from the date you became eligible.
4. Applicable to 365-day policies with an insured sum of $100,000 or more (Super Visa policies): a) A refund is available, subject to a $250 cancellation fee, provided no travel has been made. For cancellation after the effective date of the Policy, the request must be received within 90 days of the expiration date of the Policy; or, b) If a Super Visa application was denied, a full refund is available prior to the Policy effective date, or a refund less an administrative fee is available after the Policy effective date, provided that the request is received within 90 days of the expiration date of the Policy. You must send us supporting documentation.

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

Extensions

You can extend your coverage period before your policy expires by calling your agent or TuGo during general business hours.
An administrative fee may be charged in addition to the premium for the additional number of days required. You must meet the following conditions:
1. You have not filed a claim and do not intend to file a claim. 2. Your coverage period has not yet expired. 3. Extensions are not available if the total duration of the trip exceeds two years from the effective date of the original Policy. 4. You have not seen a physician or other registered physician since your departure date or the effective date of the Policy. 5. You are not currently experiencing any symptoms and are not aware of any reason to seek medical attention. If these conditions are not met, an extension may be authorized at the discretion of TuGo. If an extension has been authorized, there will 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 filed or for which a claim was received or required. medical treatment before. until the effective date of the extension.

SECONDARY TRIPS:
Travel outside of Canada: Worldwide travel during the coverage period is valid as long as the majority of the coverage period is spent in Canada and you have traveled to Canada first before taking additional trips outside of Canada. Visits to your country of permanent residence are allowed; your Policy will not terminate, however expenses will not be covered while you are in your country of permanent residence. 

Eligibility

At the time of application, you are eligible for coverage if:

• You know of no reason for which you may seek medical attention.
• You are:
  1. A foreign worker, international student studying in Canada or a visitor to Canada with valid legal status in Canada; or,
  2. An immigrant awaiting provincial or territorial government health care coverage; or,
  3. A Canadian returning to Canada from an extended leave who is eligible for but not yet covered by a provincial or territorial government health care plan.
• You are not travelling against a physician or other registered medical practitioner’s advice.
• You have not been diagnosed with a terminal condition.
• You are not receiving palliative care or palliative care has not been recommended.
• You do not have Chronic Obstructive Pulmonary Disease (COPD), including emphysema, requiring home oxygen.
• You do not have pancreatic cancer, liver cancer or any type of cancer that has metastasized or that required a bone marrow transplant.
• You do not have kidney disease requiring dialysis.
• You have not had or are not waiting for an organ transplant.
• You have not been diagnosed with congestive heart failure also known as pulmonary edema.

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 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:

• 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.