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TuGo: Visitors to Canada Medical Insurance

TuGO Platinum Insurance Calculator

Select visa type *
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.
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 Conditions
Pre-existing/2nd person

TuGo: Visitors to Canada Insurance

Summary of Benefits: Platinum Plan

Eligible For Super Visa, Visitors, New Immigrants, Foreign Workers, Returning Canadians and IEC / Working Holiday.
Coverage Amount $30,000 / $50,000 / $100,000 / $150,000 / $200,000 / $250,000 / $300,000
Hospitalization Up to sum insured
Dental Repair Services $4,000
Dental Pain Relief Up to $600
Maternity Benefits / Pregnancy Coverage Up to $3,000
Services of a Physician Up to sum insured
Emergency Medical Treatment Up to sum insured
Ambulance Transportation and Services Up to sum insured
Laboratory Diagnostics / X-Ray Up to sum insured
Prescription Drugs Up to $10,000 / 30-day supply
Services of a Private Duty Nurse Up to sum insured
Follow Up Treatment $3,000
Return of a Vehicle Up to $2,500
Services of chiropractor, physician, surgeon, etc. $500 per practitioner
Emergency Air Transportation Up to sum insured
Return of Deceased $12,000
Cremation/Burial $5,000
Return of Insured Travelling Companion Cover economy class ticket cost
Family Transportation Cover economy class ticket cost
Double Dismemberment Up to sum insured
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
Trip-Break and Side-Trip Benefits for Visitors to Canada
24-hour Emergency Assistance Center
Rental of Medical Appliances

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.

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.

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 TU 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.


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.

Premium Refunds:

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

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.

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 issue a refund, please contact one of our Insurance Advisors.

Making a Claim with TuGo:

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)

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.

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 the Destination Travel Group Inc.
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