Basic Benefits

Covid-19 coverage
Covered
Ambulance Services / Transportation
Covered
Emergency Hospitalization
Coverage Up to 2 Million
Services of a Physician, Surgeon, etc.
Coverage Up to 2 Million
Emergency Medical Care
Coverage Up to 2 Million
Walk-in Clinic Visits
Allowed
Follow Up Treatment
Max $3000
Laboratory Diagnostics / X-Ray
Included
Prescription Medications
A 30-Day Supply or Max $10000
Dental Pain Relief
Max $600
Emergency Dental Repair
Max $5,000
24-hour Emergency Assistance Center
Available
ambulanceTransportation
Covered
Emergency Home Return / Evacuation
Included
Repatriation of Remains
Max $15,000
Cremation / Burial
Max $5,000
Stable Pre-existing Medical Conditions Coverage
Covered if Stable for 90 Days Prior to the Effective Date.
Private Duty Nurse / Medical Attendant
Max $15,000
Rental / Purchase of Medical Appliances
Up to Sum Insured
Side-Trips Benefit (with in Canada and outside of Canada)
Included

Enhanced Benefits

Emergency Services of Chiropractor, Chiropodist, Physiotherapist, Osteopath, or Podiatrist
Max $600/Profession
Accidental Death
Max $10,000
Double Dismembernent
Max $10,000
Single Dismembernent
Max $5,000
Bedside Companion Accommodation / Transportation
Max $5,000
Meals and Accommodation / Hospital Allowance / Out-of-pocket Expenses
Max $1,500 / $150 a day
Maternity Benefits / Delivery Coverage
Max $25,000
Pregnancy Complications Coverage
Max $25,000
Physical Examination (Non-emergency)
Max $150 ( 1 Exam/Year)
Eye Examination (Non-emergency)
One visit in any Consecutive 12-Month Period
Vaccines (Non-emergency)
N/A
Child Care / Escort Expenses
N/A
Psychiatric / Psychological
Max $10,000 Inpatient / Max $1,000 Outpatient
Return of a Vehicle
N/A
Sports Injuries Coverage
Included (Not Hazardous Sports)
Flight / Travel Accident
N/A
Trip-Break Benefit
N/A
Common Carrier
Available
Corrective Devices
N/A
Prescription Glasses / Contact lenses / Hearing Aids
Max $200
Sexual Health Consultation
N/A
Terrorism Coverage( Only for Outbound Insured)
N/A
Trauma Counselling
N/A
Tuberculosis Testing and Vaccination
N/A
Tuition Reimbursement in Relation to Emergency
N/A
Tutorial Services
$20/hour (Max $400)
Wisdom Teeth Removal
Max $150/Tooth

Eligibility:

Applicable to Inbound Students

You are eligible for coverage if:

1. You are 69 years and under at the time of application date of the Policy; and,

2. You are a student enrolled in a school within Canada; or,

3. You are an accompanying family member of the student residing in Canada; and,

4. You are not insured under a provincial or territorial government health care plan. If you become eligible for and insured under the government health care plan of the province or territory in which you study, the Insurance will then apply in excess of this provincial or territorial government health care plan; and,

5. You are not travelling against a physician’s advice and you have not been diagnosed with a terminal condition.

Applicable to Outbound Students

You are eligible for coverage if:

1. You are 40 years and under at the time of application date of the Policy; and,

2. You are a student enrolled in a school outside Canada; or,

3. You are an accompanying family member of the student studying outside of Canada; and,

4. You must be insured or eligible for benefits under the government health care plan of the province or territory in which you reside. If you are not insured under the government health care plan of the province or territory in which you reside, the portion that would have been refunded by the provincial or territorial government health care plan is not a benefit of this Insurance; and,

5. You are not travelling against a physician’s advice and you have not been diagnosed with a terminal condition.

How to Claim

Claims Procedures and Payment of Benefits

For information on how to contact us, please refer to Contact Information at the beginning of this policy wording booklet.

1. 1. Any notice of claim or correspondence concerning a claim should be promptly sent to:

 

                                    Claims at TuGo

                               10th Floor, 6081 No. 3 Road

                             Richmond, BC Canada V6Y 2B2

2. Claim forms will be provided for you to complete and return prior to leaving Canada (for inbound students only). All required documentation must be received within one year from the date of loss. It is your responsibility to complete and/or produce any documentation required by Claims at TuGo. Failure to do so will result in denial of the claim.

3. Any cost incurred by Claims at TuGo in obtaining further documentation required to confirm eligibility of your claim is the responsibility of the claimant.

4. a) Only bills from physicians, hospitals and other medical care provider(s) which are original itemized and which state your name, diagnosis, date(s) of service and type of treatment or service rendered will be considered.

b) Only original pharmacy prescription receipts indicating your name, prescription number, name of medication, price of item, date, and prescriber will be considered.

Refunds

Refunds should be requested from the selling agent.

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 cancelled prior to the effective date; or,

2. The entire Policy is cancelled after the effective date but no travel has taken place and the request is received within 10 days of the application date; or,

3. You have not arrived to Canada or your country of study; or,

4. Your student visa for entry to Canada or country of study is refused; or,

5. You arrived in Canada or country of study, but entry into Canada or country of study is denied.

    Refund requests must be submitted to TuGo within 45 days from the effective date.

Partial Refunds

Requests for partial refunds must be received no later than 30 days after the expiry date of the Policy.

Partial refunds are available after the Policy has gone into effect if:

1. You have returned permanently to your home country; or,

2. You become eligible and covered under a provincial or territorial government health care plan (inbound students only); or,

3. You are no longer enrolled in a school within Canada or your country of study.

  * Refunds are subject to an administration fee.

 * Refunds will be calculated from the date of permanent return to your home country, or from the date you became covered under a provincial or territorial government health care plan (inbound students only) or the date you are no longer enrolled in a school within Canada or your country of study.

 * Refunds will not be issued if the amount is $10 or less per Policy.

Exclusions

In addition to the general exclusions, the company will not be liable to provide coverage, services, or to pay claims for expenses incurred directly or indirectly as a result of:

1. Any pre-existing condition as defined with the exception of any condition which has remained stable in the 90 days prior to the effective date of the Policy. Pre-existing conditions that do not meet the criteria set out above are not covered.

2. Medical treatment and expenses incurred while in your home country.

3. A medical condition which originated while visiting your home country during the period of coverage or any condition wholly or partly, directly or indirectly, related thereto.

4. Voluntary termination of pregnancy or resulting complications; post-natal care, and childbirth or resulting complications.

5. Medical expenses incurred by an infant 14 days old or less.

6. A trip that is undertaken:

a) Against physician’s advice; or,

b) After diagnosis of a terminal condition.

7. Loss or repair of or damage to eyeglasses, contact lenses, prosthetic devices, hearing aids.

8. Conditions or any related conditions for which, prior to your arrival date in Canada or the country of study, testing or investigative consultation took place, was scheduled to take place or was recommended for the purpose of establishing a diagnosis (not including routine check-up or routine monitoring for a stable condition), and for which results had not yet been received at the time of departure from your home country. This includes tests, which were recommended or scheduled prior to departure, but had not yet taken place at the time of departure.

9. Test and investigative consultation including, but not limited to biopsies, except when performed at time of emergency sickness or injury; except as specified under the section Hospital/Medical Insurance, heading Benefits, Non-emergency treatment.

10. Any medical treatment which is a continuation of an emergency sickness or accident, unless you are declared by an attending physician medically unfit to return to Canada or your home country; except as specified under the section Hospital/Medical Insurance, heading Benefits, Non-emergency treatment.

11. Elective treatment or surgery.

12. Non-emergency treatment or surgery except as specified under the section Hospital/Medical Insurance, heading Benefits, Non-emergency treatment.

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 the medical evidence indicates the medical treatment is related to that condition.

14. Treatment, service or prescriptions required for ongoing care, or provided in a chronic unit of a general hospital, convalescent or nursing home, health spa, or rehabilitation centre, or checkups except as specified under the section Hospital/Medical Insurance, heading Benefits, Annual physician visit.

15. A medical condition for which treatment or hospitalization could have reasonably been expected.

16. Any subsequent claim of the same medical condition or related condition with respect to a sickness or injury which occurred during a covered trip.

17. Emergency air transportation unless pre-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 your failure to accept or follow a physician’s advice, treatment or recommended treatment.

20. Any condition(s) for which you are registered on a waiting list in your home country for treatment or diagnosis.

21. Any amount which would be payable under the government health care plan of your home province or territory, if you are not insured under this provincial or territorial government health care plan (outbound students only).

 

22. Any amount which would be payable under the government health care plan of your province or territory of study, if you are purchasing this plan as a supplement to any other primary insurance plan or contract (inbound students only).

Get an Email/Text of these rates
×