Visitors to Canada Medical Insurance

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END DATE In New Immigrants/Returning Canadians/Foreign Workers mode, the End Date is set automatically to the minimum amount of days required for the specific province you choose. If you would like to manually set your End Date, please select IEC/Tourist/Visitor/Working Holiday mode.
Pre-existing 1 person If you have a stable existing medical condition, such as a damaged or sick organ, select Yes. If you do not have an existing medical condition, select No. Conditions that are not stable are not covered. Also, some specific conditions, such as heart disease, may not be covered. Please read this company's full coverage details to determine what pre-existing conditions are covered by this company.
Pre-existing 2 person

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In order to calculate a personal insurance quote, simply select the number of applicants, their age(s) and indicate whether or not they have any pre-existing
medical conditions. To finalize your results, click on Calculate Quote after you choose desired policy duration and a coverage limit!

Summary of Benefits
Eligibility Requirements
How to Get a Refund
How to Make a Claim

COVID-19 Notice: Please stay up to date with the latest policy changes concerning COVID-19 coverage and eligibility requirements by using the following link – COVID-19 Insurance Updates
Summary of Benefits
Coverage Limit
Eligible For
Super Visa, Visitors, New Immigrants, Foreign Workers, Returning Canadians and IEC / Working Holiday
Coverage Amounts
$30,000 / $50,000 / $100,000 / $150,000 / $200,000 / $250,000 / $300,000
Dental Repair Services
Dental Pain Relief
Up to $600
Maternity Benefits / Pregnancy Coverage
Up to $3,000
Services of a Physician
Emergency Medical Treatment
Ambulance Transportation and Services
Laboratory Diagnostics / X-Ray
Prescription Drugs
Up to $10,000 / 30-day supply
Services of a Private Duty Nurse
Follow Up Treatment
Return of a Vehicle
Up to $2,500
Services of chiropractor, physician, surgeon, etc.
$500 per practitioner
Emergency Air Transportation
Return of Deceased
Return of Insured Travelling Companion
Cover economy class ticket cost
Family Transportation
Cover economy class ticket cost/div>
Double Dismemberment
Single Dismemberment
Up to 50% of sum insured
Expenses for a Family Member
$100 per day
Out-of-pocket Expenses
Up to $2,000 / $200 per day
Child Care
Up to $500 / $50 per day
Accidental Death & Dismemberment
$25,000 for Air Flight / $25,000 for 24-hour Accident
Changing the Effective Date:
Please note that you can request us to modify the start date of your insurance coverage after you purchased the policy if your travel plans change.

All you need to do is to contact our Insurance Advisors and provide your policy number and a new Effective Date. Please keep in mind that date changes can only be made before your coverage begins.

Waiting Period:
TuGo do not subject any individual to a waiting period, if the policy is purchased before arrival in Canada. In such case, your coverage commences on the departure date from your country of Permanent Residence to Canada. The total length of the mentioned trip to Canada MUST NOT exceed 7 (seven) days.

If the insurance plan is purchased AFTER your arrival in Canada, your policy will be a subject to a Waiting Period:

– 48-hour waiting period for sicknesses (not injuries) if the policy was purchased within the first 60 days after your arrival in Canada.
– 7-day waiting period for sickness (not injuries) applies in case the policy was purchased after the first 61 days of the arrival date in Canada.

Important Notice:

Expenses related to any sickness that manifests itself during the waiting period are not covered under this insurance plan, even if the costs are incurred after the waiting period has ended.

Please note that detailed information about Eligibility Requirements and Waiting Periods is available in the appropriate section of a Policy Wording.

Side-Trips Benefit:
Side-trips insurance benefits are also available for Visitors to Canada, who are travelling around the globe. TuGo will cover your health care expenses for emergencies outside Canada with an exception of your home country as well as any other country, where you can be found eligible for a government medical plan.

To receive the Side-Trips benefits you MUST physically remain in Canada for more than 50% of the total period of coverage provided by TuGo.

Trip-Break Benefit:
Trips Break benefits under the medical emergency insurance by TuGo are available for Visitors to Canada, who is going for a visit to their country of origin. Trip Break benefit allows you to come back and forth between your home country and Canada without breaking the insurance coverage provided by TuGo.

Please note that TuGo does not compensate you for any medical costs incurred in the country of your origin.

Policy Wording:
Policy Wording provides details on you insurance coverage as well as its exclusions, limitations, premium refunds, claim submission procedure and more. Read this document carefully prior to the purchase.

Click to download – TuGo | Policy Wording.

Eligibility Requirements
You are eligible to receive medical emergency coverage from TuGo, if:

– You are over 14 days old and have not yet reached the age of 90 at the time of your application for TuGo insurance policy.
– You are legally admissible to Canada as a Visitor/Tourist, Foreign Worker, New Immigrant or Returning Canadian, who are not eligible for the Provincial Health Care Coverage at the time of entry to Canada.
– Medical expenses you incur result from sudden emergencies.
– You are not travelling against advice of a physician.
– You have not been diagnosed with a terminal illness.

Pre-Existing Medical Conditions Coverage:

Coverage for pre-existing medical conditions is available with TuGo’s Visitors to Canada insurance plan under the following circumstances:

Applicants 69 y.o. and under: Coverage for pre-existing medical conditions that are stable for at least 120 days immediately prior to the start date of the insurance policy is automatically included at no additional cost.

Applicants 70 to 79 y.o.: You will need to complete a medical questionnaire to determine your eligibility for the stable pre-existing medical conditions coverage. If you are eligible, then you can include the coverage for pre-existing medical conditions that are stable for at least 120 days immediately prior to the start date of the insurance policy, provided you pay additional premium.

Applicants 80 to 89 y.o.: Coverage is not available for any pre-existing medical conditions.

How to Get a Refund
Please note that NO premium refunds are available if a claim has been or is going to be submitted.

Full Premium Refunds:
Full premium refunds are available to Visitors to Canada when no travel to Canada has taken place:

– A full premium refund is available, when the request for compensation is received BEFORE the effective date indicated on the insurance policy. No fee applies.

– A full premium refund is available, when the request for refund is received AFTER the effective date of the Policy within 10 days of purchasing the insurance policy.

– A full premium refund is available, when the request for refund is received AFTER the effective date of the Policy and AFTER 10 days of purchasing the insurance policy (within 30 days following the effective date and prior to the expiry date of your policy). Administration fee will apply.

– If a Super Visa application was rejected, a 100% premium refund is available, if the request for compensation is receiver BEFORE the effective date indicated on the policy. A satisfactory proof of visa refusal is required.

Partial Premium Refunds:
You may request to receive Partial Premium Refunds, if:

– You request a refund due to an Early Departure to your home country a minimum of 45 days BEFORE your policy expires. Refunds are calculated from the date you return to your country of permanent residence.

– You become eligible for a Provincial Medical Plan health plan, while being covered by TuGo. The refund will be calculated starting from the same day you become eligible and/or covered under the government health care plan.

All Partial Refunds are subject to an administration fee.
All refund requests must be received by TuGo no later than 30 days from the date you became eligible and/or covered under a provincial or territorial government health care plan.

For a detailed information on Premium Refunds, please refer to the Policy Wording.

In order to request a refund, please contact one of our Insurance Advisors.

How to make a Claim
In the event of a medical emergency, you or someone on your behalf must contact Claims at TuGo before making a claim, if it is possible.

Claims at TuGo is available 24-hours a day, 7 days a week.

– Toll-Free – 1-800-663-0399 (within Canada and USA)
– Toll-Free – 001-800-514-9976 (from Mexico)
– Collect – 1-604-278-4108 (for all other locations)

Emergency Reporting & Claim Submission:

In order to proceed with a claim you need to do the following:

– Fill out a Claim Form, which will be sent to you by TuGo, and attach all original medical receipts for treatment and prescription medication.
– Send the form with your receipts to the following address:

Claims at TuGo
10th Floor, 6081 No. 3 Road
Richmond, BC Canada V6Y 2B2

All claims you have made MUST be reported to and appropriate documentation received by TuGo within 1 year following the date a claim was made.

Please refer to the plan description to see a complete set of claim submission requirements – TuGo | Policy Wording.

How to buy TuGo Insurance Online
Just follow the list of steps below to purchase Visitors to Canada insurance policy from TuGo and receive your policy confirmation in just a few clicks!
1 Step
Once you have calculated and reviewed your personal quotes, just click on “Buy Insurance” button to start your application. Please note that you will be re-directed to TuGo’s web-portal, where you will need to complete an application form and make a payment using a credit card.

– Select the Country of Origin – Country of permanent residence
– Select Plan Type – Visitor to Canada Platinum Emergency Medical
– Select Your Destination – Province in Canada you intend to stay in
– Select Travel Start / End Dates -Beginning of your trip / End of coverage
– Select Arrival Date – The actual date you cross Canadian borders
– Enter Dates of Births for all applicants
2 Step
Review available plan options and click on “Customize” in order to change the amount of insurance coverage and deductible. You can also add coverage for stable pre-existing medical conditions in case you are 70 to 79 years old.

In order to proceed to the next step, just click “Add to Cart” button.

3 Step
Please carefully review your coverage dates as well as date of birth information on the left hand side.

Once you are ready to go ahead simply click on “Purchase Your Policy” and you will be re-directed to an application form.

4 Step
In this step you will need to provide applicant’s first and last names, gender, contact and residential information including street name and number, city, province and postal code.

An email address you provide on the application form will be used by the insurer for communication.

5 Step
In order to finalize your application you will need to enter your payment details and click “Complete Purchase”.

Once your payment is processed by TuGo’s system, you will receive your coverage confirmation by email!

Need help deciding?
Select the best way to get in touch with our Insurance Advisors and let’s discuss your insurance options today!
Available Weekdays | 10am-11pm EST, Weekends | 12pm-8pm EST
Bought my insurance policy with Eugene, when I arrived in Canada as a new immigrant. The service was amazing and he was honestly answering all the questions I had related to my medical condition. Just want to say thank you so much!
Mahmud Ali S.
Please note that the above information is only a summarized version of the insurance benefits and conditions detailed in the official Policy Wording issued by TuGo.
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