Visitors to Canada - TuGo

Summary

This policy provides emergency medical coverage for sickness and accident. Coverage limits go up to $300,000. There is no maximum age limit.

Benefits

Features:

  • Provides emergency medical coverage for sickness and accident
  • Coverage for stable pre-existing conditions as follows:
  • Age 59 years and under: 120 days before the policy effective date
  • Age 60 to 69: 180 days before the policy effective date
  • Age 70 and over: 365 days before the policy effective date
  • Coverage outside Canada for up to 49% of the policy term
  • Maximum one-year policy
  • Eligible for the "Super Visa" program

Coverage Limits:

  • $10,000
  • $25,000
  • $50,000
  • $100,000
  • $200,000
  • $300,000

Deductible Options:

  • $0, $150, $500, $1,000, $2,500, $5,000, $10,000

Summary of Benefits:

KEY BENEFITS

MAXIMUM LIMIT

Emergency medical treatment Up to the sum insured for:
Emergency medical treatment for in-patient or out-patient care
Services of physician
Private duty nursing
X-rays and laboratory services
Rental or purchase of essential medical appliances
AmbulanceUp to the sum insured for ground, air or sea ambulance (including paramedics) or taxi in lieu
Follow-up visitsUp to 5 follow-up visits within 14 days of the initial emergency medical treatment
Prescription drugsUp to a 30-day supply following an emergency during the trip
Professional medical servicesUp to $600 for any one incident per practitioner for licensed
Physiotherapists
PodiatristsChiropractors
Optometrists
Chiropodists
Osteopaths
Fracture treatmentUp to $1,000 for medical treatment related to fractures. This benefit includes:
X-rays
Re-examination physician visits
Casting and re-casting
Cast removal
DentalUp to $6,000 for dental accidents during the trip
Up to $600 for any other dental emergencies
MaternityUp to $6,000 for pre-natal care, delivery and/or complications thereof
Hospital allowanceUp to $100 per day for incidental hospital charges
Emergency air transportation Up to the sum insured for medical air evacuation. If medically required, this benefit also includes:
The cost of a qualified medical attendant
An airline seat upgrade
Airfare to return home for Treatment Up to a one-way economy airfare to return to the country of permanent residence for immediate medical treatment*
*Treatment must be required within 10 days of returning home
Return of travelling companionWhen an insured traveller is returned to their country of permanent residence because of a medical emergency, 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
Return of dependent childrenWhen an insured traveller is returned to their country of permanent residence because of a medical emergency, this benefit includes:
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
RepatriationUp to the sum insured for preparation and return of the body
Up to $6,000 for burial or cremation at the place of death
Transportation costs and insurance coverage for one family member to identify the body, and up to $400 per day to a maximum of $2,000 for their meals and accommodation
Family transportationWhen an insured traveller is hospitalized, this benefit includes:
A round trip economy airfare or ground transportation costs for a family member to be at their bedside
Up to $400 per day to a maximum of $2,000 for out-of-pocket expenses
Out-of-pocket expenses When a travelling companion is hospitalized on the date the insured traveller Is scheduled to return home or when they are transferred to a different hospital in another city for emergency medical treatment, this benefit includes:
Up to $500 per day to a maximum of $5,000 for:
Commercial accommodation
Telephone calls
Internet charges
Taxi fare
Parking charges
Bus fare
Rental car services
Child CareUp to $500 per day to a maximum of $5,000 for child care costs* when the insured traveller is 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
Return of vehicleWhen the insured traveller is not medically fit to drive home, this benefit includes:
Up to $2,500 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
24-hour accident insuranceUp to $25,000


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