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Monday, December 11th, 2017
TuGo
Travel Insurance

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Administrated by: TuGo
Underwritten by: Industrial Alliance Insurance and Financial Services Inc.
24h Emergency Assistance Center: Claims at TuGo.

IMPORTANT NOTE: The product-related information on this website is for illustration purposes only. For complete benefits, terms, conditions, limitations and exclusions, please see the policy booklet at the download section below. Please read and understand your policy before you travel.

BENEFITS:
- Emergency Medical Expenses maximum benefits: $5,000,000
- Hospital Services - semi-private accommodation.
- Physician services.
- Ambulance services - ground, air or sea rescue ambulance and paramedics.
- X-ray examinations and diagnostic laboratory procedures.
- Prescription drugs for a maximum supply for 30 days.
- Rent or purchase of essential medical appliances including but not limited to wheelchairs, crutches and canes.
- Private duty nursing services.
- Follow-up Visit - One follow-up visit within the 14 days after the initial emergency medical treatment.
- Fracture Treatment - up to $1,000 for cast removal, physiotherapy, X-ray, re-examination or re-casting, if medically necessary.
- Professional medical services of physiotherapist, chiropractor, chiropodist, osteopath, podiatrist or optometrist up to a maximum limit of $500 per practitioner.
- Accidental dental up to $4,000 for an accidental blow to the face requiring the repair or replacement of whole or sound teeth. 
- Emergency dental, maximum $500 for a pain relief, other than caused by an accident.
- Hospital allowance - $75 per day for TV rental and telephone charges while in hospital.
- Emergency air transportation air ambulance, one-way airfare, stretcher, and/or a medical attendant to the nearest appropriate medical facility or to return you to your home province for immediate medical treatment. * This benefit also includes up to $600 to return your excess baggage. *
- Return of travelling companion - one-way economy airfare for one travelling companion to return back to the original departure point, if you are returned to Canada under the emergency air transportation or the repatriation benefit. *
- Return of Children/Grandchildren - one-way economy airfare for dependent children or grandchildren travelling with you to return back to the original departure point, if you are returned to your home province under the emergency air transportation or the repatriation benefit. *
- Child Care – Up to $500 per day to a maximum of $5,000 for child care costs for insured children 18 years and under who are travelling with you when you are confined to hospital.
- Repatriation (Return of Deceased) – the cost of preparation and return of your body to your home province or up to $5,000 for burial or cremation at the place of death (excluding cost of a burial coffin or urn).
- Family transportation - the cost to bring a family member to you and up to $300 per day to a maximum of $1,500 for meals and accommodation, in case you have been hospitalized or to identify your body (if necessary) in case of your death.
- Out of Pocket Expenses – up to $500 per day to a maximum of $5,000 for your commercial accommodation, meals, telephone calls, internet charges, taxi fare, parking charges, bus fare and/or rental, if your travelling companion is confined to hospital on or after the date you are scheduled to return to your home province OR Your travelling companion is transferred to a different hospital in another city for emergency medical treatment.
- Return of vehicle – up to $5,000 to return your vehicle in case of a medical emergency.
- Return of accompanying pet – up to $300 for returning your accompanying pet, if you have been returned to your home province under the emergency air transportation or the repatriation benefit.

Some of the benefits need to be pre-approved and arranged by Claims at TuGo. Please read the insurance policy (attached below) for full descriptions and condition of the insurance benefits. 

OTHER PLANS (additional rates apply)
- Multi Trip Annual – 10, 20, 35, 60, 95, 125, 155 and 182 days options
- All Inclusive Package - Hospital and Medical up to $5,000,000; Trip Cancellation up to $1,000; Flight Accident $100,000; Trip Interruption - $25,000 and Baggage up to $500.
- Non-Medical Package - Trip Cancellation up to $1,000; Flight Accident $100,000; Trip Interruption - $25,000 and Baggage up to $500.
- Trip Cancellation & Interruption or Trip Interruption only - before departure: up to $100,000 and after departure: unlimited
- Accidental Death & Dismemberment – up to $100,000
- Rental Car Protection – up to $50,000 for physical damages or loss of a rented vehicle
- Baggage - $1,500 per person

ELIGIBILITY:
 You are eligible for coverage if:
1.    You are a Canadian resident.
2.    The expenses you incur result from an acute, sudden and unexpected emergency.
3.    The emergency first occurs and the medical treatment is provided outside your home province.
4.    You are not travelling against a physician’s advice; or
5.    You have not been diagnosed with a terminal condition.
-     You are a Canadian resident, and you must be insured under the government health care plan of the province or territory in which you reside.
-     The length of travel out of your home province does not exceed the number of days selected at the time of application or authorized extension period.

PRE-EXISTING CONDITIONS:

A pre-existing condition must meet the following stability periods in order to by covered by this insurance.

Applicable to Insureds 59 Years and under (on the application date)  

a) On trips 35 days or less, except for any condition or symptom (other than a minor ailment):

i. That arose or worsened on the date of departure or at any time within the 7 days before the date of departure; or,

ii. For which medical treatment was obtained on the date of departure or at any time within the 7 days before the date of departure; or,

iii. That developed before departure and was undiagnosed at the time of departure.
b) On trips over 35 days, any condition which has remained stable in the 90 days before the date of departure.
If you extend your trip and the total trip length (including the extension) exceeds 35 days, paragraph b) applies.
Minor ailment means a condition which does not require: a) Treatment for a period of greater than 30 consecutive days; or, b) More than one follow-up visit or referral visit to a physician or other registered medical practitioner; or, c) Hospitalization or surgical intervention.

Applicable to Insureds 60 to 74 Years (on the application date)
On all trip lengths, any pre-existing condition which has remained stable in the 180 days before the date of departure.

Applicable to Insureds 75 Years and Over (on the application date)
On all trip lengths, any pre-existing condition which has remained stable in the 365 days before the date of departure. 

 

Travel Within Canada - Pre-existing conditions are not excluded; however, the Emergency Medical Insurance Exclusions and the General Exclusions still apply. 

Pre-existing Condition means:
a) A dental or medical condition, illness or injury that has been diagnosed, and for which you have consulted, or received dental or medical treatment before the date you leave for your trip; or,
b) A dental or medical condition, illness or injury that has not yet been diagnosed, and for which you were experiencing symptoms before the date you leave for your trip; or,
c) A medically recognized complication or recurrence of a medical or dental condition, illness or injury, whether or not the condition was diagnosed before the date you leave for your trip.
Stable means that within the period specified in this Policy:
a) There has been no deterioration of your condition as determined by your physician, and
b) There have been no new symptoms or findings or more frequent or severe symptoms or findings, and
c) There have been no symptoms experienced by you related to the condition that remains undiagnosed, and
d) There has been no change in medical treatment, and,
e) There has been no alteration in any medication for the condition, and
f) There has been no new medical treatment prescribed or recommended by a physician or received.
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:
a) Changes in brand due solely to the availability of your usual brand or due to a change from a brand name medication to an equivalent generic brand medication of the same usage or dosage; and
b) The routine adjustment of the dosage within prescribed parameters to ensure correct blood levels are maintained when you are taking insulin or oral diabetes medication or blood thinner medication such as Coumadin/Warfarin and your blood levels must be checked regularly and your condition remains unchanged; and
c) The usage changes due to the combination of several medications into one and your condition remains unchanged.

EXTENSIONS:
You can extend your period of coverage before your policy expires.
An administration fee may be charged in addition to the premium for the additional number of days required.
You must meet the following conditions:
Applicable to All Coverages
1.    You have not submitted a claim and have no intent to submit a claim.
2.    Your period of coverage has not already expired.
3.    Extensions are not available if total trip length exceeds two years from the effective date of the original Policy.
Applicable to Emergency Medical Insurance
1.    You have not seen a physician or other registered medical practitioner since your departure date or the effective date of the policy.
2.    You are in good health and you do not know of any reason to seek medical attention.
If these conditions haven’t been met, an extension may be authorized at the discretion of TuGo. If an extension has been authorized, there would 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 submitted or for which medical treatment was received or required prior to the effective date of the extension.

REFUNDS:
Applicable to Multi Trip Annual and Single Trip
1.    Refunds are not available if a claim has been or will be submitted.
2.    When the request for refund is received PRIOR to the effective date of the Policy, a full refund is available.
3.    When no travel has taken place and the request for refund is received AFTER the effective date of the Policy:
   a) A full refund is available within 10 days of the application date; or,
   b) A refund less an administration fee is available when the request for refund is received more than 10 days after the application date but no later than one year from the expiry date of the Policy.
   c) Refunds must be requested in writing.
Applicable to Single Trip Only
In the case of early return to your home province, partial refunds may be available provided:
a) A satisfactory proof of return to your home province is sent to TuGo.
b) The request is received by TuGo no later than one year from the expiry date of the Policy. Refunds will be calculated from the date of return. All partial refunds will be subject to an administration fee.
c) Refunds must be requested in writing.

CLAIMS:
In the event of hospitalization, call Claims at TuGo immediately:
From Canada & USA: 1-800-663-0399
From Mexico: 001-800-514-9976 or 01-800-681-8070
Outside N. America & Mexico (global toll-free): 800-663-00399
Worldwide (collect): 604-278-4108
All claims correspondence should be mailed to:
Claims at TuGo
10th Floor, 6081 No. 3 Road
Richmond, BC Canada V6Y 2B2
Notice: Claims will not be considered unless the Claim Form is completed in full and signed by the claimant (or legally authorized representative). If requested by Claims at TuGo a Certificate of Canadian Physician must also be completed. Failure to provide fully completed, original forms will invalidate your claim.
Any cost incurred to obtain documentation required to confirm eligibility of your claim is the responsibility of the claimant.
All documents supporting your claim have to be sent to the insurance company within the 90 days from the date of service.

OPTIONAL COVERAGES:
Sports Coverage - when this Optional Coverage is purchased, the company will reimburse you for eligible hospital and medical related expenses for sickness or accidents while participating in, coaching, teaching, training or practicing for any of the following contact sports on behalf of a registered team, league, association or club or while competing in a registered tournament, competition or sporting event:
- Contact Sports: (Up to the Policy limit) Ice Hockey; Lacrosse; Boxing; Football; Australian Football; Rugby
- Adventure Sports: (Up to the Policy limit) Flying as a Pilot or Passenger in a Glider or Ultralight; Backcountry Skiing/ Snowboarding/ Snowshoeing; Bobsledding; Canyoning/Canyoneering; Downhill Freestyle Skiing/ Snowboarding in Organized Contests; Downhill Longboarding; Downhill Mountain Biking; Downhill Skating; Endurance Activities over 6 Hours; Hang Gliding; High Risk Snowmobiling; Ice Climbing; Luge/Skeleton; Mountaineering up to 6,000 Meters; Non-motorized X Game Sports (or those sports in similar type events); Parachuting/Skydiving/ Tandem Skydiving (more than one jump per trip); Paragliding/Parapenting; Paramotoring; Parasailing/Parascending over Land; Snow Kiting; Stunt/Aerobatic Flying.
- Extreme Sports: (Maximum limit—$500,000) Base Jumping; Bull Riding/Bull Fighting; Free Diving over 30 Metres; Motorized Speed Contests; Motorized X Game Sports (or those sports in similar type events); Mountaineering over 6,000 Metres; Rodeo; Running with the Bulls; Scuba Diving (if not certified by an internationally recognized and accepted program); Scuba Diving over 30 Metres; Ultimate Fighting & Mixed Martial Arts; Wingsuit Jumping/ Wingsuit Flying.

EXCLUSIONS:
In addition to the General Exclusions below, the company will not be liable to provide coverage or services, or to pay claims for expenses incurred directly or indirectly as a result of:
1. Any medical treatment, recurrence or complications related directly or indirectly to a sickness or injury which was diagnosed or for which symptoms first occurred, or medical treatment was received after the date of departure but prior to the effective date of this Insurance, unless this Policy is purchased to top-up any other insurance plan.
2. A medical condition for which symptoms were present or medical treatment was received during a temporary visit to your home province during the period of coverage or any condition wholly or partly, directly or indirectly, related thereto.
3. Any expenses incurred as a result of sickness that originated or was symptomatic during the waiting period. This exclusion does not apply when this Policy is purchased to top-up any other insurance plan.
4. A trip that is undertaken against a physician’s advice.
5. A trip that is undertaken after the diagnosis of a terminal condition.
6. Conditions or any related conditions for which, prior to departure, testing or investigation took place, was scheduled to take place or was recommended (not including tests for routine check-up or routine monitoring for a medical condition), and for which results had not yet been received at the time of departure. This includes tests or investigation that were recommended or scheduled prior to departure, but had not yet taken place at the time of departure.
7. Tests and investigation except when performed at the time of initial emergency sickness or injury.
8. Any condition(s) for which you are registered on a waiting list in Canada for treatment or diagnosis.
9. Any medical treatment, other than continuous treatment as specified in the Dental Services Benefit, which is a continuation of or subsequent to an emergency sickness or accident during the same trip, including its recurrence or any complications related directly or indirectly thereto, unless you are declared by an attending physician medically unfit to return to your home province because the emergency had not ended.
10. Expenses incurred once the emergency ends and in the opinion of the attending physician or dentist, you are able to travel to your home province for any further treatment relating to the sickness or accident that led to the emergency (other than specified under the Follow-up Visit Benefit).
11. Loss, theft or breakage of prescription glasses, contact lenses, prosthetic devices, hearing aids and dentures.
12. Expenses incurred after emergency air transportation, when the emergency air transportation was not arranged by Claims at TuGo.
13. Expenses incurred and trips when coverage is purchased after departure, unless authorized in advance by TuGo.
14. Any eligible medical and related expenses in excess of $50,000, if you are not covered by a provincial or territorial government health care plan at the time of your claim.
15. Emergency sickness or injury incurred if you choose to travel to a destination after a formal written travel advisory and/or travel warning has been issued by Global Affairs Canada or Public Health Agency of Canada (PHAC) recommending that you avoid all or non-essential travel to that destination during your trip. This exclusion applies if the advisory/warning is issued before the date you leave for your trip and the expenses are directly or indirectly caused by the reason for the travel advisory/warning.
16. Your coaching, teaching, participating, practicing or training for any of the sports listed in the optional Contact Sports Coverage, the optional Adventure Sports Coverage or the optional Extreme Sports Coverage. If you have purchased the optional Contact Sports Coverage, the optional Adventure Sports Coverage or the optional Extreme Sports Coverage, refer to those section headings.

GENERAL EXCLUSIONS: 
In addition to the exclusions specified in each Insurance coverage, this Insurance does not provide payment or indemnity for expenses incurred directly or indirectly as a result of:
1. a) Applicable to Policies with Trip Cancellation & Trip Interruption and Trip Interruption Only:  Losses arising out of acts of war or acts of terrorism unless a formal travel advisory and/or travel warning has been issued by the Canadian government after the date the trip is booked or the date the insurance was purchased, whichever occurs later.
b) Applicable to all other plans: Your participation in and/or voluntary exposure to acts of war or acts of terrorism.
2. Death, disablement or injury in any way caused by or contributed by radioactive contamination or by the utilization of nuclear, chemical or biological weapons (whether or not caused by acts of war or acts of terrorism).
3. Your suicide or attempt thereat, self-inflicted injury.
4. Your commission or attempted commission of any crime or offence, based on the law where the cause of the claim occurred.
5. a) Routine pre-natal care; 
b) Voluntary termination of pregnancy or resulting complications; 
c) Complications related to pregnancy within the nine weeks immediately before the expected delivery date (including the expected delivery date) or the nine weeks after the actual delivery date (including the actual delivery date); 
d) Complication related to childbirth within the nine weeks immediately before the expected delivery date (including the expected delivery date) or the nine weeks after the actual delivery date (including the actual delivery date); 
e) Childbirth within the nine weeks immediately before the expected delivery date (including the expected delivery date) or the nine weeks after the actual delivery date (including the actual delivery date); or 
f) Medical treatment incurred by a newborn child following an unexpected birth during your trip.
6. Any medical condition or recognized complication of a condition, where the purpose of your trip is to seek medical treatment, advice or services, and where the medical evidence indicates the medical treatment, advice or services received are related to that condition.
7. Your coaching, teaching, participating, practicing or training for out-of-bounds skiing, snowboarding, snowshoeing, or non-motorized snow-biking.
8. Psychological disorders, emotional or mental disorders. Acute psychosis is not excluded unless drug, alcohol or medication induced. (Emotional or mental disorder means an emotional upset or condition, state of anxiety, situational crisis, anxiety or panic attack, or other mental health disorders).
9. Ongoing care, rehabilitation or check-ups.
10. Medical treatment, services or supplies provided in a chronic care facility of a hospital or convalescent or nursing home, health spa, or rehabilitation centre.
11. Elective (non-emergency) treatment or surgery.
12. Emergency Air Transportation unless pre-approved and arranged by Claims at TuGo.
13. Any sickness, injury or death that could reasonably be contributed to or caused by your:
a) Intoxication from alcohol consumption (alcohol intoxication is determined either when records indicate that you have reached or exceeded a blood alcohol level of 80 milligrams of alcohol per 100 millilitres of blood or when records indicate that you were intoxicated and no blood alcohol level is specified); or,
b) Abuse of alcohol or misuse of prescription drugs, over the counter medication or other intoxicants, either before or during your trip; or,
c) Consumption or use of illegal or controlled drugs (based on the law where the cause of the claim occurred).
14. Expenses incurred as a result of your failure to accept or follow the physician’s advice, treatment or recommended treatment.
15. Unless otherwise stated in this Policy, expenses incurred if other insurance policies, plans or contracts, including any private or provincial automobile insurance, cover the loss. If, however, the loss exceeds the limits of the other policies, plans or contracts and if this Insurance covers losses and periods not covered by those other policies, plans or contracts, this Insurance shall then apply in excess of all other valid insurance. This exclusion does not apply to Accidental Death and Dismemberment Insurance.
16. Any cancer (other than basal cell or squamous cell skin cancer) for which you received or were recommended to receive cancer treatment in the 3 months prior to the date you leave for your trip. This includes cancer treatment that you were recommended to receive but chose to decline. 

Applicable to Insureds 60 Years and Over If you qualify for the coverage selected but you or a representative purchasing insurance on your behalf have failed to answer truthfully and accurately any question asked in the Medical Health Questionnaire, any claim will be subject to an extra deductible of $15,000 USD in addition to any other applicable deductible amount, and no future coverage will be provided under this Policy unless you pay the additional premium reflecting true and accurate answers to those questions.

IMPORTANT NOTE: The product-related information on this website is for illustration purposes only. For complete benefits, terms, conditions, limitations and exclusions, please see the policy booklet at the download section below. Please read and understand your policy before you travel.

DOWNLOADS:

TuGo Travel Insurance POLICY PDF

TuGo is a trademark used by North American Air Travel Insurance Agents Ltd. dba TuGo and its related companies under license.

 

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PRE-EXISTING CONDITIONS:

A pre-existing condition must meet the following stability periods in order to by covered by this insurance.

Applicable to Insureds 59 Years and under (on the application date)  

a) On trips 35 days or less, except for any condition or symptom (other than a minor ailment):

i. That arose or worsened on the date of departure or at any time within the 7 days before the date of departure; or,

ii. For which medical treatment was obtained on the date of departure or at any time within the 7 days before the date of departure; or,

iii. That developed before departure and was undiagnosed at the time of departure.

b) On trips over 35 days, any condition which has remained stable in the 90 days before the date of departure.

If you extend your trip and the total trip length (including the extension) exceeds 35 days, paragraph b) applies.

Minor ailment means a condition which does not require: a) Treatment for a period of greater than 30 consecutive days; or, b) More than one follow-up visit or referral visit to a physician or other registered medical practitioner; or, c) Hospitalization or surgical intervention.

Applicable to Insureds 60 to 74 Years (on the application date)  

On all trip lengths, any pre-existing condition which has remained stable in the 180 days before the date of departure.

Applicable to Insureds 75 Years and Over (on the application date)  

On all trip lengths, any pre-existing condition which has remained stable in the 365 days before the date of departure.

 

Travel Within Canada - Pre-existing conditions are not excluded; however, the Emergency Medical Insurance Exclusions and the General Exclusions still apply. 

 

Pre-existing Condition means: 

a) A dental or medical condition, illness or injury that has been diagnosed, and for which you have consulted, or received dental or medical treatment before the date you leave for your trip; or,

b) A dental or medical condition, illness or injury that has not yet been diagnosed, and for which you were experiencing symptoms before the date you leave for your trip; or,

c) A medically recognized complication or recurrence of a medical or dental condition, illness or injury, whether or not the condition was diagnosed before the date you leave for your trip.

Stable means that within the period specified in this Policy: 

a) There has been no deterioration of your condition as determined by your physician, and

b) There have been no new symptoms or findings or more frequent or severe symptoms or findings, and

c) There have been no symptoms experienced by you related to the condition that remains undiagnosed, and

d) There has been no change in medical treatment, and,

e) There has been no alteration in any medication for the condition, and

f) There has been no new medical treatment prescribed or recommended by a physician or received.

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:

a) Changes in brand due solely to the availability of your usual brand or due to a change from a brand name medication to an equivalent generic brand medication of the same usage or dosage; and

b) The routine adjustment of the dosage within prescribed parameters to ensure correct blood levels are maintained when you are taking insulin or oral diabetes medication or blood thinner medication such as Coumadin/Warfarin and your blood levels must be checked regularly and your condition remains unchanged; and

c) The usage changes due to the combination of several medications into one and your condition remains unchanged.

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