TuGo:
Visitors to Canada Medical Insurance

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SELECT VISA TYPE
1PERSON AGE
2 PERSON AGE
COVERAGE (CAD)
START DATE
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.
Stable period <b>Stable means a pre-existing medical condition that:</b><br><br> 
a) did not require, or was not  recommended for any changes to existing treatment or new treatment;<br>
b) did not become worse during the chosen stability period.<br>
c) did not require a change in type or dosage of medication (if any are being taken by the person to be insured).<br><br>
<i>* Please note that if you are currently taking any medications and/or undergoing continuous treatment, expenses associated with these are not covered under any policy as per ongoing treatment exclusion.</i>
Pre-existing 2 person
Stable period <b>Stable means a pre-existing medical condition that:</b><br><br> 
a) did not require, or was not  recommended for any changes to existing treatment or new treatment;<br>
b) did not become worse during the chosen stability period.<br>
c) did not require a change in type or dosage of medication (if any are being taken by the person to be insured).<br><br>
<i>* Please note that if you are currently taking any medications and/or undergoing continuous treatment, expenses associated with these are not covered under any policy as per ongoing treatment exclusion.</i>

Your personal information is safe with us.
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
Benefit
Coverage Limit
Eligible For
Super Visa, Visitors, New Immigrants, Foreign Workers, Returning Canadians and IEC / Working Holiday
Coverage Amounts
$10,000 / $25,000 / $50,000 / $100,000 / $200,000 / $300,000
Hospitalization (Semi-Private Room)
Dental Repair Services
$6,000
Dental Pain Relief
Up to $600
Maternity Benefits / Pregnancy Coverage
Up to $6,000
Services of a Physician
Emergency Medical Treatment & Physician
Ambulance Transportation and Services
Laboratory Diagnostics / X-Ray
Prescription Drugs
Up to Sum Insured / 30-day supply
Fractures Treatment
Up to $1,000 for x-rays, casting / re-casting and exams
Services of a Private Duty Nurse
Follow Up Treatment
Up to 5 visits within 14 days of emergency
Return of a Vehicle
Up to $2,500
Services of chiropractor, physiotherapist, osteopath, etc.
$600 per practitioner
Essential Medical Appliances (wheelchairs, crutches, canes, etc.)
Emergency Air Transportation / Repatriation
Return of Deceased
Cremation/Burial
$6,000
Return of Travelling Companion / Dependent Children
Covers economy class ticket cost
Hospital Allowance
$100 per day
Family Transportation
Covers economy class ticket cost
Out-of-pocket Expenses
Up to $5,000 / $500 per day
Child Care
Up to $5,000 / $500 per day
Optional Coverage: Sport & Activities
Optional Coverage: Accidental Death & Dismemberment (AD&D)
$100,000 for Air Flight / $25,000 for 24-hour Accident
AD&D:Death or Double Dismemberment
100% of the sum insured
AD&D:Single Dismemberment
50% of the sum insured
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 when the policy is purchased before arriving 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 48 hours.

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 (excluding injuries) if the policy was purchased within the first 60 days after your arrival in Canada.
– 7-day waiting period for sickness (excluding 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 disease or sickness that manifests itself during the waiting period are not covered under this insurance plan, even when 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. Please note that in order for the benefit to work, you must arrive in Canada first before taking any side-trips.

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 or time spent in the country of your origin.

Optional Coverage:
In addition to its premium class medical emergency insurance package for Visitors to Canada, TuGo offers optional coverage endorsements including:

– Unstable Pre-Existing Medical Conditions Coverage
– Sport & Activities Coverage
– Accidental Death & Dismemberment (AD&D)
– Trip Cancellation & Trip Interruption
– Trip Cancellation Only Coverage

In order to review the details, please read the Policy Wording by using the following link.

Click to view – TuGo | Policy Wording.

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 view – TuGo | Policy Wording.

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

– You do not know of any reason to seek medical attention at the time of application.
– 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.
– You are not receiving palliative care or palliative care has not been recommended.
– You do not have Chronic Obstructive Pulmonary Disease (COPD), including emphysema, requiring home oxygen.
– You do not have pancreatic cancer, liver cancer or any type of cancer that has
metastasized or that required a bone marrow transplant.
– You do not have kidney disease requiring dialysis.
– You have not had or are not waiting for an organ transplant.
– You have not been diagnosed with congestive heart failure also known as
pulmonary edema.
– You are not travelling against advice of a physician.
– You have not been diagnosed with a terminal illness.

Stable Pre-Existing Medical Conditions Coverage:

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

Applicants 59 y.o. and under: Coverage for pre-existing medical conditions that are stable for at least 90 days immediately prior to the start date of the insurance policy is automatically included at no additional cost.

Applicants 60 to 69 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 70 to 85 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 180 days immediately prior to the start date of the insurance policy, provided you pay additional premium.

Applicants 86 y.o. & older: 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 365 days immediately prior to the start date of the insurance policy, provided you pay additional premium.

Unstable Pre-Existing Medical Conditions Coverage:

In order to purchase Unstable Pre-Existing Medical Conditions Coverage as an endorsement to your Medical Emergency Insurance with Tugo, you must:

– Be 79 y.o. or under at the time of application

TuGo agrees to pay reasonable and customary charges up to the sum insured of your Medical Emergency Insurance for an acute and unexpected emergency medical condition incurred as a result of your pre-existing medical conditions that were not stable and existed before the effective date of the policy.

To be eligible, all medical costs must result from an emergency that first occurs after your insurance starts (including any applicable waiting period) and while you are travelling outside your country of permanent residence i.e. you are in Canada or on a side-trip.

Please note that any pre-existing medical condition that is not stable on or within the 7 days before the effective date of your policy are excluded from coverage.

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, provided no travel to Canada has taken place. 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 your insurance, provided no travel to Canada has taken place. No fee applies.

– 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 your insurance (within 90 days of the expiry date of your policy), provided no travel to Canada has taken place. 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.

Important Notice: Applicable to 1-year policies with at least $100,000 coverage (Super Visa insurance), you can cancel the policy if no travel to Canada has taken place for a refund. However, a $250 fee will apply if you decide to cancel without a satisfactory proof of visa denial. Such requests can be submitted after the Effective Date and within the first 90 days following the expiry date of your policy.

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. Refunds are calculated from the date you return or, if submitted later, the date you submit your refund application for the aforementioned reason.

– 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 or, if submitted later, the date you submit your refund application for the aforementioned reason.

All Partial Refunds are subject to an administration fee.

All refund requests must be received by TuGo no later than 90 days following the expiry date of your coverage with TuGo.

For 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 or hospitalization, 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 or 800-681-8070 (from Mexico)
– Global Toll-Free – *800-663-00399 (for all other locations)
– Worldwide Collect – **604-278-4108 (for all other locations)

If you are unable reach TuGo using the numbers above, call direct at 1-604-278-4108 and TuGo will reimburse the charges incurred for making this call.

Emergency Reporting & Claim Submission:

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

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

Claims at TuGo
1255 – 6081 No. 3 Road
Richmond, BC Canada V6Y 2B2

Claims for medical, dental and trip cancellation & trip interruption can be opened online at tugo.com/claims (some restrictions apply).

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 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 (please see Eligibility Requirement Section above).

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
Testimonials

Fahim SaberFahim Saber
22:07 17 Dec 23
I have had the most seamless smoothest experience ever with this insurance company. Every change I had to make regarding my parents supervisa medical insurance was processed quickly with no complications. They have been understanding of my situation through all the ups and downs over the last few years including the difficult and complex covid periods. Particular kudos to Lea for making this complicated insurance experience a siimple and stress free process for me.
Igor KiselyovIgor Kiselyov
19:59 23 Nov 23
Great service, efficient communication, and a really easy way to get insurance with lots of help and support to get the right deal.
Colin TaylorColin Taylor
18:34 21 Nov 23
I have purchased a few policies with Lea, and each time the service was great! The last one took less than 10 minutes to complete!The polices itself are also good, as we have not had any problems with claims so far.
A LA L
00:18 15 Nov 23
I have purchased parents visitor insurance twice from Arbetov. I got fast and patient response from Lea. Her professional attitude makes me confident to trust Arbetov. I will repurchase from this company.
Salinda RathnayekaSalinda Rathnayeka
19:26 10 Nov 23
I have been purchased travel insurances for my parents multiple times and they are super friendly and very helpful. Mainly, in contacted with Lea, helped me to find the correct cost effective products.
Anastasia YakubovskaAnastasia Yakubovska
17:12 08 Nov 23
Great fast service, have been with them for a few years now. Good options for insurance!
Natali ChizikNatali Chizik
18:08 06 Nov 23
Extremely nice and efficient staff! My go to for insurance
Gina BautistaGina Bautista
20:41 19 Jun 23
We purchased Supervisa insurance through Arbetov Insurance many times and they have been very helpful since the very start, especially Eugene and Lea.Highly recommended!!
Lai ReyesLai Reyes
22:31 15 Mar 23
My whole experience with Arbetov was very pleasant. From the purchase and payment down to the refund request. Credits and many thanks to Lea as she was the one who assisted me with everything. She was just so responsive and very helpful all throughout! 🙂
yasir aliyasir ali
15:02 03 Nov 22
Lea was very helpful and friendly. It was a great experience.
Ella KnurikElla Knurik
21:21 20 Aug 22
Lea provided a great and professional service and helped us to find the best medical insurance for us.
Fraser LindsayFraser Lindsay
21:33 02 Jun 22
The web site was the best,clear,simple to folow, and the help chat assistance was the iceing on the cake.Lea really put me at ease and gave me advice and did all the hard work of making the policy. I have never had such an understanding helper on line before. Deserves a pay rise!
Rajneel SinghRajneel Singh
04:56 15 May 22
Lea was super helpful. She made the process of getting insurance very easy and seamless. I called her multiple times and she was very happy to respond to all my emails and calls in very prompt time. Honestly this has been the most smoothest insurance provider I have seen so far. Thank you again Lea for your kind service and help, reassuring me all the way and being the star you are! Thank you
Francesca BisiFrancesca Bisi
19:53 11 Jan 22
I would give 10 stars if I could! :)I found this insurance company by chance 4 years ago and I could not have been more lucky. For the past 4 years I've been interacting with them and in particularly with Lea. She went above and beyond to always help me to find an insurance that could satisfy my needs. She was so professional and efficient. I will definitely recommend them to anyone who might need insurance advisors! :)Thank you very much for all your brilliant job!
Chetan DhotreChetan Dhotre
21:19 23 Mar 21
I used Arbetov when shopping for super visa insurance for my parents. I found them very well priced and of great value.Since then my mother's trip has been delayed many a time but Lea has been exceptional in promptly responding to my many requests to move the insurance start date.Well priced, prompt and friendly service. What more could you ask for!
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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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