Canadians Travelling - TuGo

Travel Medical Insurance

Summary

This policy provides up to $5,000,000 in emergency medical coverage for sickness and accident. There is a medical questionnaire to complete if you are age 60 or more.

Pre-existing conditions must be stable as follows:

Age Days before effective date
59 or less 7 days on trips of 35 days or less
90 days on trips over 35 days
60 to 74 180
75 and up 365

Deductible options are:

$0, $300, $500, $1,000, $2,000, $5,000, $10,000, $25,000 $50,000 $100,000

Benefits

Emergency Medical Insurance . Features & Benefits

KEY BENEFITS

MAXIMUM LIMIT

 

Up to the policy limit for:

 

 

 

• Emergency medical

 

 

Emergency medical treatment

Services of physician

 

 

Private duty nursing

 

 

 

 

 

 

X-rays and laboratory services

 

 

• Rental or purchase of essential medical

 

 

 

 

Ambulance

Up to the policy limit for ground, air or sea

or taxi in

 

 

 

Follow-up visit

Up to one follow-up visit within 14 days of the initial

treatment

 

 

 

Prescription drugs

• Up to a 30-day supply following an emergency during the

 

Up to $200 for a physician visit to get a new prescription for

or

 

 

damaged prescription drugs

 

 

 

 

 

 

Up to $700 for any one incident per practitioner for licensed:

 

Professional medical services

Physiotherapists

• Podiatrists

 

• Chiropractors

• Optometrists

 

 

• Chiropodists

• Acupuncturists

 

 

• Osteopaths

 

 

 

 

 

Up to $1,250 for medical treatment related to fractures. This benefit includes:

Fracture treatment

X-rays

 

 

Re-examination physician visits

 

 

• Casting and re-casting

 

 

 

• Cast removal

 

 

 

 

 

 

Up to the policy limit for dental accidents during trip. Also includes additional coverage for

Dental

 

up to 30 days in the home province upon return from the trip

 

 

• Up to $700 for any other dental emergencies

 

 

 

Vision care & hearing aids

Up to $1,000 for the replacement of prescription glasses, contact lenses and/or hearing aids if

lost, stolen or broken

 

 

 

 

 

 

 

 

Unexpected birth of a child

Up to $25,000 for medical expenses incurred by a newborn child

 

 

 

 

Hospital allowance

Up to $100 per day for incidental hospital charges

 

 

 

 

Up to the policy limit for medical air evacuation. If medically required, this benefit also includes:

Emergency air transportation

• The cost of a qualified medical attendant

 

 

• An airline seat upgrade

 

 

 

 

Airfare to return home for

Up to a one-way economy airfare to return to the home province for immediate medical

treatment*

 

 

treatment

 

 

* Treatment must be required within 10 days of returning home

 

 

 

 

 

Return of excess baggage

Up to $700 if the insured traveller is medically air evacuated to their home province and there was

no room aboard the aircraft for baggage

 

 

 

 

 

 

When an insured traveller is returned to their home province because of a medical emergency,

Return of travelling companion

this benefit includes:

 

 

A one-way economy airfare for their travelling companion to also return home*

 

 

* The travelling companion does not have to be insured

 

 

 

 

When an insured traveller is returned to their home province because of a medical emergency,

 

this benefit includes:

 

 

Return of dependent children

• Up to a one-way economy airfare for dependent children* to return home

• The cost of a qualified chaperone

 




* Children do not have to be insured. This applies to children up to age 21, if residing with their parents/guardians or up to age 25, if full-time students. No age limit applies for children with cognitive, developmental or physical disabilities

Emergency Medical Insurance . Features & Benefits

KEY BENEFITS cont’d

MAXIMUM LIMIT

 

 

Remote evacuation

Up to $6,000 for non-

 

 

services from mountain,

 

 

 

 

 

 

 

 

 

 

• Up to the policy limit for preparation

 

 

Repatriation

• Up to $6,000 for burial or cremation at

 

 

• Transportation costs and insurance

one

 

 

 

 

up to $400 per day to a maximum of

their

 

 

 

 

 

When an insured traveller is hospitalized, this

 

Family transportation

• A round trip economy airfare or ground

 

member to be

at their bedside

 

 

 

 

 

 

• Up to $500 per day to a maximum of $2,500 for out-of-

 

 

 

 

 

When a travelling companion is hospitalized on the date the

is scheduled to

 

return home or when they are transferred to a different hospital

city for emergency

 

medical treatment, this benefit includes:

 

 

Out-of-pocket expenses

Up to $500 per day to a maximum of $5,000 for:

 

 

• Commercial accommodation

• Internet charges

• Bus fare

 

• Meals

• Taxi fare

• Rental car services

 

• Telephone calls

• Parking charges

 

 

 

 

Up to $500 per day to a maximum of $5,000 for child care costs* when the insured traveller is

Child care

confined to hospital or transferred to a different hospital in another city for emergency medical

treatment

 

 

 

 

 

 

* Children must be insured and 18 years or under

 

 

 

 

When the insured traveller is not medically fit to drive home, this benefit includes:

Return of vehicle

Up to the policy limit for a commercial agency to return the vehicle or up to a one-way economy

airfare plus gas, meals and accommodation for a family member or friend to pick up and

 

 

return the vehicle

 

 

 

 

 

When the insured traveller chooses to return to their travel destination after being air evacuated

 

to their home province for a medical emergency, this benefit includes:

 

Return to your destination

One-way economy airfare for the insured traveller and the their travelling companion* to return

to their travel destination

 

 

 

 

 

 

* Travelling companion must be the same person who originally returned home with the insured

 

traveller at the time of the medical emergency

 

 

 

Return of pets

Up to $300 when the insured traveller is returned to their home province because of a

medical emergency

 

 

 

 

 

 

 

 

• Up to $900 for accommodation and meals when a flight is delayed for 4+ hours

Air travel delay expenses

• Up to $400 for additional transportation when a flight is delayed for 4+ hours

• Up to $400 for entertainment expenses when a flight is delayed for 4+ hours

 

 

• Up to $900 for essential items when the baggage is lost or delayed by the airline for 6+ hours

 

 

 

When the insured traveller is returned to their home province because of a medical emergency,

Domestic services in Canada

this benefit includes:

 

 

Up to $300 for cooking, cleaning, child care and pet care services within 15 days from the

 

 

date of return

 

 

 

 

 

When the insured traveller is returned to their home province because of a medical emergency,

 

this benefit is available for up to 15 days from the return date and includes:

Medical follow-up in Canada

• Up to $1,000 for a semi-private room in a hospital, rehabilitation centre or convalescent home

• Up to $100 per day for home care nursing

 

 

 

 

• Up to $300 for ambulance or taxi services

 

 

• Up to $300 for rental or purchase of essential medical appliances

 

 

 

 

For single trip plans, coverage will not terminate if the traveller needs to make one temporary

Temporary visit home

and unexpected visit to their home province during their trip*

 

*Coverage is not provided while in the home province


Optional Coverages

  • Trip cancellation and trip interruption insurance
  • Baggage and personal effects insurance
  • Accidental death and dismemberment insurance
  • Optional Sports medical coverage

Please refer to the policy wording for a complete description of benefits, exclusions, limitations and conditions.