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TuGo now offers a safeguard to protect those who make mistakes in their applications.

According to a recent Travel Health Insurance Association survey, about 14 per cent of travel insurance applicants have answered a Medical Health Questionnaire inaccurately.

While some travelers attempt to get lower health insurance rates that way, the majority of people have done it by accident. TuGo, formerly known as Travel Underwriters, understands that mistakes happen and if a senior traveler makes an error in their MHQ they have a way of protecting them.

In many cases, insurance providers can deny an insurance claim or even void coverage if a Medical Health Questionnaire was completed erroneously. This could potentially destroy a traveler economically. An MHQ deductible offered by TuGo is a new way to safeguard clients and protect them financially. If a mistake was made while answering the Health Questionnaire, they will apply a $15,000 deductible.

This way a client would not be denied a claim but rather pay up to that amount, at the most.

A Real-Life Example: Travel Insurance Deductible


67-year-old male: Coronary artery disease, diabetes and hypertension 

Robert travelled to Chicago to visit his son. He started experiencing a cough, chest pain and reoccurring fever and was admitted to the hospital with pneumonia for six days.

The hospital’s medical records revealed that Robert had a history of coronary artery disease, diabetes and high blood pressure. Since he’d only indicated on his MHQ that he had high blood pressure, a medical history was obtained to rule out a pre-existing condition of pneumonia; it showed that he was taking multiple medications for his conditions.

Because Robert had failed to specify that he was getting treatment for two other medical conditions at the time of application, TuGo applied a 15,000 USD deductible for his travel health insurance policy.

Hospital fees…………………………..$44,720.00 USD
Physician fees…………………………..$2,038.00 USD
Radiology and pathology fees…………$1,782.00 USD
Prescription cost…………………………….$56.34 USD
Follow-up visit at clinic……………………$118.00 USD
Provincial healthcare………………………. -$480.00 USD
Deductible applied…………………….-$15,000.00 USD
Amount paid by TuGo……………. ….$33,234.34 USD

Even though the TuGo Medical Health Questionnaire is easy to answer and is quite, we recommend to always contact your doctor if you have any questions or doubts. We are always here to assist you at Arbetov Insurance.

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