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Traveller Travel Insurance

(under writtenby Industrial Alliance Insurance and Financial Services Inc. and certain Lloyd's Underwriters)

 

Get a quote and  purchase this insurance ONLINE directly from TuGo : please, click the link below and you will be redirected to the TuGo secure website. Follow on-screen prompts or call for assistance.

 

 

 

NOTE. Topping-up: When you have travel insurance coverage with another insurer and want to top up this existing coverage, the start (effective) date of the policy you apply for using this link,  is the day following expiry of the existing policy. Enter this date to the online application, click on "Customize" on the next page  and enter the number of days you have with the existing policy.

 

For assistance and to buy a policy , please call at 

416-493-0101, 1-877-443-0101
What's on This Page

► Policy Wording

► Emergency Medical Insurance

•  Key Features

•  Medical questionnaire (for ages 60+)

•  Summary of Medical Coverage

•  Pre-existing Condition & Other Exclusions

•  Sport Participation Coverage (!)

► Non-Medical Package (Single-Trip)

► All inclusive Holiday Package (Single-Trip)

►  What to do if you get sick or injured

 

What coverage will you have?

Emergency Medical Insurance (Single -Trip  and Multi-Trip)

Eligibility.

You are eligible for coverage if:
1. You are a Canadian resident  covered by a provincial health insurance plan for the entire trip length
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 traveling against a physician's advice; or
5. You have not been diagnosed with a terminal condition (Terminal condition means a medical condition for which, before the date of departure a physician has given you a terminal prognosis with a life expectancy of 12 months or less; or when you are receiving palliative care).

No age limit. Applicants 60 years old and over have to complete the Medical questionnaire to determine rate category for the Worldwide and Worldwide excluding USA plans. For the plan in Canada, no medical questionnaire is required.

 

Single-Trip Plan

 Provides coverage for a single trip: Worldwide, Worldwide excluding USA (includes up to 5-day transit coverage in USA), and Canada only. One temporary visit to your home province is permitted during your period of coverage provided the temporary visit is unexpected and beyond your control.

 

Multi-Trip Plan

Annual plans: Worldwide and in Canada only. Choose from 5, 10, 20, 35, 60, 95, 125, 155, 182 day multi-trip plans.

For the plan within Canada, you will be covered for 12 months and can take an unlimited number of trips, which start and end in your province of residence, up to the trip duration you have chosen.  

For the Worldwide plan, when travel is within Canada but outside your province of residence, coverage is automatically provided beyond the maximum number of days selected at the time of purchase. When travel is outside Canada, coverage is limited to the maximum number of days selected. The trip duration begins on the date you leave Canada and terminates when you return to Canada.

Clients 58 years and under are eligible for the automatic renewal option. Click here to check the rates.

 

Deductible

Automatic $300 USD deductible; other deductible options $500, $1,000, $2,000, $5,000, $25,000, $50,000, $100,000 are available for premium discount. For $0 deductible, 15% surcharge applies. For the Canada plan, all deductibles are in Canadian dollars.

 

Family Plan.

Available up to age 59. Includes children up to age 21; 25 if attending full time school or physically/mentally handicapped.

 

Sport Participation Coverage 

Optional coverage for travelers who participate in, coach, teach, train or practice different sports: Freestyle Skiing, Mountain Biking, Canyoning, Parasailing, Rodeo, Boxing, etc.  Please Click here for more information. 

 

Refunds

Refunds are not available if a claim has been or will be submitted.

Applicable to Multi Trip Annual and Single Trip:

When the request for refund is received PRIOR to the effective date of the Policy, a full refund is available.

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 of the application date.  

Applicable to Single Trip Only : In the case of early return to your home province, partial refunds may be available. All partial refunds will be subject to an administration fee.

 

Policy Extensions

If you decide to stay longer,  you can extend your period of coverage before your Policy expires, if you have not submitted a claim and have no intent to submit a claim.

 

Automatic  Extensions to Coverage

At the time the period of coverage ends, coverage will be automatically extended at no additional premium :

•    For 7 days in the event your common carrier is delayed.

•    For the remaining period of your hospital confinement plus 7 days after release from the hospital; or,

•    For 7 days if you are unable to travel on your scheduled return date but you are not hospitalized.

 

Emergency Medical Benefits for Canadian Travelers

Key Benefits

Maximum Limit

Maximum liability

$5,000,000

Emergency medical treatment

Emergency means an unforeseen sickness or injury, which requires immediate medical treatments to alleviate existing danger to life or health.

• Emergency medical treatment for sickness or injury whether in-patient or out-patient care

• Services of physician, surgeon, anaesthetist, registered graduate nurse

• Private duty nursing

• X-rays and laboratory services

• Rental of medical appliances

Prescription drugs

Limit of a 30-day supply

Ambulance

The services of a licensed ground, air or sea ambulance and paramedics from the scene of the accident or place of onset of the sickness to the nearest hospital.

Follow-up Visits

One follow-up visit within the 14 days after the initial emergency medical treatment

Fracture Treatment

Following the initial emergency treatment and the one follow-up visit, the company will pay up to a maximum of $1,000 for the following  treatments related to fractures:

• X-ray examinations;  

• Re-examination physician visits;

• Re-casting and new cast, if medically necessary;

• Cast removal;

• Physiotherapy treatment.

Eligible expenses must be incurred during the same trip and prior to your return to your home province.

Professional medical services

• Up to $500 per practitioner including a licensed physiotherapist, chiropractor, chiropodist, osteopath, podiatrist and optometrist

Dental

• Up to $4,000 for accident

• Up to $500 for dental pain

Hospital allowance

$75 per day to cover incidental hospital charges, which is billed by the hospital (e.g., TV rental, telephone charges)
The following benefits must be pre-approved and arranged by Claims at TuGo

Emergency air transportation

Up to policy limit; includes:

• cost of air evacuation for return to your country of residence or medical air evacuation between medical facilities,

• stretcher fare or one-way economy airfare to return to your country of residence,

• cost of a round trip economy airfare on a commercial flight for a qualified medical attendant or traveling companion,

• seat upgrade when medically necessary

Return of excess baggage

Up to $600, provided there was no room aboard and when the insured is returned to the home  province under the Emergency Air Transportation Benefit or Repatriation Benefit.

Return of insured traveling companion

A one-way economy airfare for one travelling companion to return back to the departure point, if the insured is returned to the home  province under the Emergency Air Transportation Benefit or Repatriation Benefit.

Return of children/grandchildren

A one-way economy airfare for for dependent children or grandchildren (up to age 21 or 25 if full-time student; no age limit for mentally/physically handicapped), if the insured is returned to the home  province under the Emergency Air Transportation Benefit or Repatriation Benefit.

Child care

Up to $500 per day to a maximum of $5,000 for child care costs for insured's children 18 years and under, if the insured  is  hospitalized.

Repatriation

• Up to policy limit for repatriation

• Up to $5,000 for burial/cremation at place of death

Family transportation

One round trip economy airfare or ground transportation costs for a family member while the insured is  hospitalized and up to a maximum of $300 per day to a maximum of $1,500  for out-of-pocket expenses.

Return of insured to destination

One-way economy airfare  by the most direct route to return to the insured's original trip destination following a return to their home province under the Emergency Air Transportation Benefit.

Out-of-pocket expenses

Up to $500 per day to maximum of $5,000 for your out-of pocket expenses, when your traveling companion is hospitalized on the date you are scheduled to return to your home province or when transferred to a different hospital in another city.

Other benefits

 Return of Vehicle, Return of Pets 

 

Exclusions and Limitations. Travel medical insurance does not cover everything. This insurance has exclusions, conditions and limitations. Please learn them and understand the policy before you buy this insurance.

Pre-Existing Medical Condition Exclusion (for Emergency medical coverage, Worldwide and Worldwide excluding USA Plans):

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  any pre-existing condition as defined, except as follows:

●  Applicable to persons 59 years and under (on the application date)

a) On trips 35 days or less, except for conditions and/or symptoms  (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 prior to the  date of departure.

●  Applicable to persons 60 to 74 years (on the application date)

On all trip lengths, pre-existing conditions has remained stable in the 180 days prior to the date of departure.

●  Applicable to persons 75 years and over (on the application date)

On all trip lengths, pre-existing conditions has remained stable in the 365 days prior to the date of departure.

Please click on  Pre-existing Medical Condition for more information.

 

Some other Exclusions

This policy does not pay for expenses incurred directly or indirectly as a result of

- Conditions or any related conditions for which, prior to departure, testing or investigative consultation took place, was scheduled to take place or was recommended (not including 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 that were recommended or scheduled prior to departure, but had not yet taken place at the time of departure.

- 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.

- Any condition(s) for which you are registered on a waiting list in Canada for treatment or diagnosis.

- Ongoing care, rehabilitation or check-ups.

 Please refer to the policy wording for full list of exclusions (pg. 11-12 , 42-43) If you need assistance, please Contact us .

 

 

Non-Medical Package (Single Trip) includes the following benefits:

1) Trip Cancellation/Trip Interruption Insurance:

Sum insured prior to departure — Up to the limit of Insurance purchased (Max amount of coverage is $100,000)
Sum insured after departure — $25,000

2) Accidental Death and Dismemberment Insurance
Maximum sum insured for Air Flight/Common Carrier Accident — $100,000
Maximum sum insured for 24-Hour Accident — $25,000

3) Baggage Insurance : Sum insured — $500

You can buy this package separately or all together with Emergency Medical Insurance.

 

 

All Inclusive Holiday Package is available for persons under 59 years and includes the following benefits:
1) Emergency Medical Insurance
Maximum limit —$5,000,000

2) Trip Cancellation/Trip Interruption Insurance
Sum insured prior to departure — Up to the limit of Insurance purchased
Sum insured after departure — $25,000

3) Accidental Death and Dismemberment Insurance
Maximum sum insured for Air Flight/Common Carrier Accident — $100,000
Maximum sum insured for 24-Hour Accident — $25,000

4) Baggage Insurance: Sum insured — $500

 

The following benefits can be purchased separately or additionally to Emergency medical insurance :

- Trip Cancellation & Interruption insurance or Trip Interruption only (Single Trip and Multi-Trip Annual)

- Accidental Death and Dismemberment Insurance (Single Trip and Multi-Trip Annual)

- Baggage insurance  (Single-Trip) : Maximum sum insured — $1,500 per person or $3,000 per family

 

NOTE: The product-related information is for illustration purpose only. Please refer to the Policy  Wording

 for details on the coverage provided, conditions, exclusion and claim procedure.

 

 

If you need help to complete the online application, or for the questions regarding your policy status, to make changes to your coverage or travel dates, to extend the policy, or purchase this policy over-the-phone, please call Natalia at 416-493-0101  (or 1-877-443-0101) or click here to ask your question online.

 

What to do if you get sick or injured

Have your policy number and policy confirmation with you at all times. In the event of sickness or injury which may result in claim, contact Claims at TuGo at the telephone numbers shown on your policy confirmation and the Policy Wording (pg. 3-4).  When contacting Claims at TuGo, please provide your name, your policy number, your location and the nature of your emergency.

 

In the event of hospitalization, call Claims at TuGo immediately.

 

To apply for benefits under this policy, you will need to send a completed claim form (with all original bills attached) to Claims at TuGo. Visit  Claims at TuGo for the claim form and submit your claim online. Consult the claim guideline on your Policy Wording (pg 61-63).

 

Emergency Medical Claims Examples

Outbound Travelers, Ages 0-59

Outbound Travelers, Ages 60+

Travel within Canada

 

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Revised: April 04, 2019