Our Travel Insurance Options
Canadians travelling
Government health plans only provide limited medical coverage while you are travelling out of your home province. Travel medical insurance provides excess emergency coverage for Canadians travelling out of their home province. read more
Expatriates
Expatriate insurance provides medical coverage for persons living and working outside their own country. It will also provide coverage upon their return home until they are covered under a provincial plan.read more
Groups
We can provide emergency medical coverage for your organization whether you are travelling outside of Canada or coming to Canada. Coverage is available from a few days up to one year at a time. read more
Visitors To Canada
Visitors to Canada and non residents are not covered under this system. We can provide emergency medical coverage for sickness and accident.read more
International Students
International students who come to Canada are not covered under a government health plan. Canadian students studying abroad will not be covered adequately under their government health plan. read more
Super Visa
Citizenship and Immigration Canada introduced Super Visa for parents and grandparents of Canadian citizens or permanent residents in Canada. The purpose of this is for faster family re-unification. Previously, wait times for parental sponsorship applications took up to eight years to process while the Super Visa can be issued in eight weeks.
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Claims examples provided by TuGo.
48-Year-Old Man: Brain Aneurysm
Massive Internal Bleeding Led to Coma and Multiple Surgeries
A 48-year-old man travelled to Montana to visit friends. While there, he suffered a massive headache and lost consciousness. The man was rushed to the hospital. There he was diagnosed with a brain aneurysm which had ruptured causing a massive bleed requiring surgery. To speed his recovery, he was put into a medically induced coma. While in the hospital, the patient required a second surgery to drain fluid from his brain. After 22 days, Claims at Tugo was able to air evacuate him back to his home province.
Hospital fees................................................$362,027.66
Physician fees...............................................$56,007.14
Radiology fees.................................................$7,140.28
Ambulance.....................................................$10,253.67
Air evacuation...............................................$10,884.38
Provincial medical plan contribution........- $10,619.32
Amount covered by travel insurance.......$435,693.81
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85-Year-Old Man: Gallstones
Complications Led to Emergency Surgery
An 85-year-old man suffered an acute onset of abdominal pain and vomiting while vacationing in California. A concerned neighbour drove the man to the hospital, where he was admitted for gallstones. Complications quickly set in and he was required to have emergency surgery. Since he was travelling alone, Claims at TuGo arranged for a family member to fly down for support. The patient was in the hospital for six days and was able to return home on a commercial flight upon being discharged.
Hospital fees................................................$109,398.90
Physician fees.................................................$6,056.29
Radiology fees....................................................$759.49
Family transportation.........................................$668.24
Provincial medical plan contribution...........-$1,857.31
Amount covered by travel insurance.......$115,025.61
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19-Year-Old Man: Brain Aneurysm
Hockey Injury Led to Surgery and 19-day Hospital Stay
A 19-year-old hockey player visiting from Switzerland was hit during hockey practice. Later that evening, he experienced vomiting and a headache. The man’s trainer took him to the hospital, where he had a CT scan, revealing a brain aneurysm. The patient was taken into surgery, and the aneurysm was coiled. He stayed in
hospital for 19 days.
Hospital fees..................................................$49,815.00
Physician fees.................................................$1,482.64
Amount covered by travel insurance.........$51,297.64
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