Benefits

– Maximum Benefits: $100,000; $150,000; $300,000
   – Emergency Hospital: semi-private hospital accommodation.
   – Physicians, surgeons or anesthetic services
   – Private duty services of a Registered nurse up to $10,000*
   – Diagnostic services:  Lab tests and/or X-ray examination as ordered by a physician for the purpose of diagnosis.
   – Ambulance Transportation: Licensed local air, land, or sea ambulance (including mountain or sea evacuation) to the nearest hospital, when reasonable and necessary.
   – Emergency Air Transportation: such as air ambulance, one-way economy airfare, stretcher and/or a medical attendant to transport you to your country of origin due to a covered emergency sickness or injury *
   – Medical Appliance:  Rental of crutches or hospital-type bed, not exceeding the purchase price, and the cost of splints, trusses, braces or other approved prosthetic appliances.
   – Prescription drugs: 30-day supply up to $1,000 per policy.
   – Professional Medical Services referred by a physician – care received from a licensed physiotherapist – up to $500. The service of a chiropractor, osteopath, chiropodist, and podiatrist – up to $500 for out-patient treatment.
   – Accidental Dental:  Up to $3,000 for emergency treatment to whole or sound natural teeth damaged by an accidental direct blow to the face.
   – Dental Emergencies: Up to $500 for the immediate relief of acute dental pain.
   – Follow-up visits  : Up to $3,000 provided they are directly related to the emergency**
   – Emergency Return Home:  Up to $3,000 for the cost of one-way economy transportation to your country of origin, if the covered sickness or injury necessitates your immediate return home during the period of coverage. This benefit also includes one additional insured family member.
   – Return of Deceased (Repatriation): up to $10,000 to return the body to the country of origin, or up to $4,000 for cremation or burial at the place of death. The cost of a coffin or urn is not covered.
   – Childcare expenses – (Attendant) up to $50 a day to a maximum of $500 for attendant to care for your travelling companion(s) under age 18, or physically or mentally handicapped travelling companion(s) who rely on you for assistance, if you are hospitalized for 48 hours or more as a result of an emergency,
   – Meals and Accommodation – in the event you or your insured travelling companion are confined to hospital on the date on which you are scheduled to return home – up to $150 per day to a maximum of $1,500, or up to a maximum 10 days for commercial accommodation, meals, child care costs, essential telephone calls and taxi fares incurred by you or any insured travelling companion. 
   – Transportation of Family or Friend:  Up to $3,000 for a round-trip economy transportation to bring one family member or close friend to your bedside when advised by an attending physician OR to identify your remains in the event of your death. Up to $1,000 for accommodation, meals, essential telephone calls and taxi fares incurred by your family member or close friend after arrival*
   – Accidental Death & Dismemberment:  up to the maximum sum insured selected at the time of application, not to exceed $150,000 for accidental loss of life, limb or sight (excluding flight accident).
   – Flight Accident – up to $50,000 for death as a result of air flight accident.
   – Flight to/from Canada coverage: Coverage begins on the latest of the following: a) the date and time the completed application and premium are accepted by the Destination Travel Group Inc. or its agent; or b) the date indicated as the effective date in your confirmation of coverage; or c) the date and time you exit your country of origin.

Exclusions

This policy will not provide coverage, provide services or pay claims for expenses incurred directly or indirectly as a result of:
1. a) If at the time of application you are 79 years of age or younger on the date of application and Option 1 was selected at the time of application: any pre-existing medical condition unless stable in the immediately preceding 120 days to the effective date. b) If at the time of application you are 79 years of age or younger on the date of application and you selected Option 2 at the time of application: Any pre-existing medical conditions. c) If at the time of application you are 80 years of age or older on the date of application: Any pre-existing medical condition. 2. Any disease whose symptoms appeared in:
48 hours after the effective date, if you are 85 years of age or younger on the effective date; or · 15 days after the effective date, if you are 86 years of age or older on the effective date; except when this insurance is purchased: a) before the date of your arrival in Canada; or b) before the expiration date of your existing Visitors to Canada policy issued by the insurer and administered by The Destination: Travel Group Inc.; or c) before the expiration date of your existing coverage with another insurance company and there is no expiration of coverage. You must provide satisfactory proof of your prior insurance coverage.
3. Any loss incurred when diagnosed or treated, prior to the effective date, for pancreatic cancer, liver cancer, or any type of cancer that has metastasized (migrated to another organ from its original site). 4. Costs incurred due to: · Alzheimer’s disease or dementia; · Any loss resulting from your minor mental or emotional disturbance; and/or · your self-inflicted injuries, unless medical evidence establishes that the injuries are related to a mental health condition. (Minor Mental or Emotional Disturbance means
: – have anxiety or panic attacks, or; – being in an emotional state or in a stressful situation. A minor mental or emotional disorder is one in which your treatment includes only minor tranquilizers or minor anti-anxiety medications (anxiolytics) or no prescription medication at all). 5. Acts of war, kidnapping, acts of terrorism caused directly or indirectly by nuclear, chemical or biological means, riots, strikes or civil commotion, illegal visit to any country, participation in protests, participation in activities of the armed forces, participation in a commercial sexual transaction or the commission or attempted commission of any criminal offense, contravention of any law or legal regulation in the area where you, a family member or a traveling companion the loss occurred. 6. Any illness or injury when traveling for the purpose of obtaining medical advice or treatment.
7. Any loss, death or injury, if the evidence supports that you were affected by, or the medical condition was contributed in any way by: a) the abuse or chronic use of alcohol, either before or during the period of coverage; or b) the use of prohibited drugs or any other intoxicant before or during the coverage period; or c) failure to comply with prescribed treatment or medical therapy before or during the period of coverage; or d) drug misuse before or during the coverage period. 8. Any medical consultation that is not an emergency, elective or consequence of a previous elective procedure.
9. Any medical condition that has been diagnosed by a physician as terminal prior to the effective date of this policy or is traveling against the advice of a physician. 10. Any treatment, investigation or hospitalization that is a continuation or subsequent to emergency treatment of a medical condition, unless approved in advance by the Assistance Center. 11. Any treatment that can be reasonably delayed until you return to your home country (whether or not you intend to return) by the next available means of transportation, unless approved in advance by the Assistance Center.
12. Hospitalization or services rendered in connection with general health examinations for “check-up” purposes, treatment of an ongoing condition, regular care of a chronic condition, home health care, investigational testing, rehabilitation, or continuing care or treatment in connection with with drugs. , abuse of alcohol or any other substance. 13. Any rehabilitation or convalescent care. 14. Injuries resulting from training or participating in: · speed competitions habitually and habitually in excess of 60 km per hour; · Motor sports competitions; · Acrobatics, exhibitions or demonstrations of any kind; Professional sports activities (professional activity it means
You are considered a professional by the governing body of the sport and you are paid for your participation, whether you win or lose. ); or · high-risk activities. High-risk activity(s) means heli-skiing, ski jumping, skydiving, skysurfing, scuba diving (except if certified by an internationally recognized and accepted program such as NAUI or PADI, or if depth of dive does not exceed 30 meters), white rafting (except grades 1-4), street sledding, skeleton activity, mountain climbing, participation in any rodeo activity. 15. Any loss incurred as a result of pregnancy, abortion, miscarriage, childbirth or complications thereof.
16. Any illness or injury resulting from a motor vehicle accident in which you are entitled to benefits under any motor vehicle insurance policy or statutory plan. 17. Dental or cosmetic surgery, except where specified. 18. Treatment or services that contravene or are prohibited by the legislation of a provincial or territorial medical/hospital plan. 19. Naturopathic, holistic or acupuncture treatment. 20. Charges in excess of the reasonable and customary fee for the area where treatment or services are performed.
21. Any nuclear incident, regardless of cause. 22. Any loss incurred when, prior to the effective date, the Government of Canada Department of Foreign Affairs and International Trade issued a written warning to avoid all travel, or to avoid non-essential travel, to that city, region or country. . 23. Any loss incurred outside of Canada when the majority of the coverage period has not been spent in Canada. 24. Any loss incurred within your home country, other than Canada. 25. Air travel other than as a passenger on a commercial aircraft licensed to carry passengers for hire, except while transported under the terms of the Emergency Transportation or Emergency Return Home benefits.
26. Any loss that results when you are a driver, operator, co-driver, crew member, or any other passenger in a commercial motor vehicle used for the purpose of delivering goods or transporting cargo. This exclusion does not apply when the commercial vehicle is used during your trip solely for pleasure. 27. Applicable to Accidental Death and Dismemberment benefits only: Being an occupant of an aircraft, either as a passenger or crew, or while boarding or alighting from an aircraft.

Claims

1. Claims must be reported within 30 days of their occurrence.
2. Written proof of claim must be submitted within 90 days of the occurrence.
3. Any costs incurred for required documentation or reports are the responsibility of you or the claimant.
4. To submit your claim, please complete the claim form completely and include all original bills. Incomplete information will cause delays.
5. All eligible claims must be supported by original receipts from commercial organizations.
SEND CLAIMS TO: Active Care Management PO Box 1237, Station A Windsor, ON, N9A 6P8

1-866-520-8823

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.

1-866-520-8823

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.

Elegibilidad

• La cobertura NO ESTÁ DISPONIBLE para ninguna persona que:
  1. haya sido diagnosticada con una enfermedad terminal; o
  2. ha sido diagnosticado o recibió tratamiento para cáncer de páncreas, cáncer de hígado o cualquier tipo de cáncer que haya hecho metástasis (migrado a otro órgano desde su sitio original); o
  3. se le ha recetado o utilizado tratamiento de oxígeno en el hogar en los últimos 12 meses; o
  4. ha sido diagnosticado o tratado por insuficiencia cardíaca congestiva; o
  5. ha tenido un trasplante de órgano importante (corazón, riñón, hígado, pulmón); o
  6. ha recibido tratamiento de diálisis renal en los últimos 12 meses.
• Para ser elegible para la cobertura debe, a partir de la fecha de entrada en vigencia:
  1. tener al menos 15 días de edad; y
  2. gozar de buena salud* al momento de contratar su póliza y en la fecha de vigencia, y no conocer ningún motivo por el cual asistiría a alguna consulta médica durante el período de cobertura; y
  3. no estar asegurado ni ser elegible para los beneficios de un plan de seguro de salud del gobierno canadiense.

*Buena salud significa que no tiene ningún motivo para buscar atención médica con la excepción de la atención regular de una condición crónica o la evaluación médica requerida para cumplir con los requisitos de la visa de viaje durante el período de cobertura.

ESTABLE significa una condición médica que se considera estable cuando todas las siguientes afirmaciones son verdaderas: 

• No se ha recetado o recomendado ningún tratamiento nuevo, ni cambios en el tratamiento existente (incluida la interrupción del tratamiento); y 
• no ha habido ningún cambio en la medicación (incluido el aumento o la disminución de la dosis), ni ninguna recomendación o inicio de un nuevo medicamento recetado, y 
• la condición médica no ha empeorado, y 
• no ha habido ninguna signos o síntomas nuevos, más frecuentes o más graves, y 
• no ha habido hospitalización o derivación a un especialista, y 
• no ha habido ninguna prueba, investigación o tratamiento recomendado, pero aún no completo, ni ningún resultado de prueba sobresaliente , y
• no hay ningún tratamiento planificado o pendiente.

Todas las condiciones anteriores deben cumplirse para que una condición médica se considere estable.

Consulta médica se refiere a cualquier servicio médico obtenido de un médico por una enfermedad, lesión o condición médica, incluidos, entre otros, cualquiera o todos los siguientes: toma de antecedentes, examen médico, pruebas de investigación, asesoramiento o tratamiento, y durante el cual se realiza un diagnóstico de la condición médica. No es necesario que la condición se haya hecho definitivamente. Esto no incluye los chequeos médicos anuales de rutina en los que no existieron signos o síntomas médicos o se encontraron durante el chequeo.

Cambio en el medicamento significa que el tipo de medicamento, la dosis o la frecuencia se reducen, aumentan, suspenden y/o se prescriben nuevos medicamentos.

Excepciones:

• análisis de sangre periódicos que resulten en ajustes de rutina de Coumadin, warfarina o insulina, siempre que estos medicamentos no se receten o suspendan por primera vez; o,
• cambio de un medicamento de marca a la misma dosis de un medicamento genérico

Las tarifas familiares (solo disponibles para solicitantes menores de 70 años) son el doble de las tarifas diarias según el miembro de mayor edad de la familia. La tarifa familiar incluye al solicitante, el cónyuge del solicitante y sus hijos a cargo. Las fechas de cobertura deben ser las mismas para todos los miembros de la familia.

Hijos dependientes significa sus hijos solteros que son:  

• económicamente dependientes de usted; y
• al menos 15 días de edad; y
• 21 años o menos; o
• tiene 25 años o menos y asiste a la escuela a tiempo completo; o
• de cualquier edad, mental o físicamente incapacitados.