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Benefits at Glance TuGo
| Benefit | Details |
|---|---|
| Pre-existing conditions coverage | 59 years and under - Covers if stable in 120 days before the effective date of the policy 60 to 69 years - Covers if stable in 180 days before the effective date of the policy 70 years and over - Covers if stable in 365 days before the effective date of the policy |
| Medical questionnaire required? | Yes - Only 60 years and older needs to complete medical questionnaire |
| Hospital accommodation | Semi-private room |
| Prescription drugs | Up to a 30-day supply following an emergency during the trip |
| Follow-up visits | Up to 5 follow-up visits within 14 days of the initial emergency medical treatment |
| Private duty nurse | Covers up to sum insured if required as a result of medical emergency |
| Ground or air transportation | Up to the sum insured for ground, air or sea ambulance (including paramedics) or taxi in lieu |
| Dental coverage | Up to $6,000 for dental accidents during the trip Up to $600 for dental pain |
| Laboratory tests & diagnostic services | Lab tests and x-rays when related to the medical emergency. |
| Medical Appliances | Covers rental or purchase of essential medical appliances up to the sum insured. |
| Health professional services | Up to $600 for any one incident per practitioner for licensed Physiotherapists, Chiropractors, Chiropodists, Osteopaths, Podiatrists, Optometrists, Acupuncturists |
| Accidental death & dismemberment | This plan does NOT cover Accidental Death & Dismemberment (AD&D). However, you can purchase AD&D coverage separately by calling us at 647-350-0332. When AD&D coverage is purchased separately, it covers the following: Up to $25,000 24-hour accident insurance coverage Up to $10,000 Air Flight/Common Carrier |
| Return of deceased/ Cremation or burial | Up 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 |
| Transportation to bedside | When 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 |
| Side trip coverage | Travel Worldwide Travel worldwide is covered as long as the majority of the period of coverage is spent in Canada. The insured must have travelled to Canada first before they can be covered for side-trips outside of Canada . Travel in Home Country Visits to home country are permitted; the Policy will not terminate but expenses will not be covered |
| Out-of-pocket expenses | In case of hospitalization it covers: Up to $500 per day to a maximum of $5,000 commercial accommodation, meals, telephone calls, internet charges, taxi fare, parking charges, bus fare, rental car services Up to $500 per day to a maximum of $5,000 for child care costs for the insured children accompanying you on the trip. |
| Automatic extensions | Coverage will be automatically extended in any of the following event Hospitalization: During your stay in hospital plus 7 days after release from hospital Medically unfit to travel: Up to 7 days Common carrier delay: Up to 7 days |
| Policy cancellation/ Refund | Policy cancellation with full refund is available up to the insurance start date. Policy cancellation after the arrival date is subject to terms and conditions given in the policy document. |
| Waiting period | Waiting period applies if you purchased policy before arrival in Canada 48-hour waiting period on disease or illness if the policy is purchased within 60 days after arrival in Canada 7-day waiting period on sickness if policy is purchased 61 days or more after arrival in Canada |