TuGo

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