"VISITORS TO CANADA" EMERGENCY MEDICAL COVERAGE - AM I ELIGIBLE?
This coverage is best suited for:
Taking a Quick Trip to Canada
Ski / Snowboard / Downhill Mountain Bike Vacations
On a Work Visa Permit
If your previous coverage has run out
Awaiting BC Medical
An International Student
Visiting on a Family Visa
Not travelling against a physician’s advice
Have not been diagnosed with a terminal condition
CAN I BUY COVERAGE IF I'M ALREADY IN CANADA?
Yes, if you know of no reason for which you may seek medical attention.
For Insurance purchased within 60 days after arrival in Canada: There is no coverage for any sickness arising in, occurring in or symptomatic during the first 48 hours of the effective date of the Policy. This includes any related expenses incurred after the first 48 hours from the effective date of the Policy.
For Insurance purchased 61 days or more after arrival in Canada: There is no coverage for any sickness arising in, occurring in or symptomatic during the first seven days of the effective date of the Policy. This includes any related expenses incurred after the first seven days from the effective date of the Policy.
The waiting period is not applicable when insurance is purchased prior to arrival in Canada
DO YOU COVER BACKCOUNTRY SKIING AND RIDING?
Yes we do with our $75 Adventure Sport Package. Backcountry means a mountain area that is not marked, not patrolled and/or not cleared for avalanche dangers, but where public access is permitted. You must purchase the "Adventure Sports" package under "Available Optional Coverages"
HOW MUCH COVERAGE CAN I BUY?
Your can purchase increments of $25,000 up to $200,000 and choose your deductible from $0.00 to $10,000 which determines your discount level ranging from a 15% surcharge to a 35% discount.
WHICH SPORTS PACKAGES ARE AVAILABLE
CONTACT SPORTS COVERAGE - $30 PER TRIP
ADVENTURE SPORTS COVERAGE - $75 PER TRIP
Downhill Freestyle Skiing/Snowboarding in an Organized Contests
High Risk Snowmobiling
Downhill Mountain Biking
Bobsledding, Luge, Skeleton
Endurance Activities over 6 Hours
Mountaineering up to 6,000 Meters
Non-motorized X Game Sports (or those sports in similar type events)
Parachuting/Skydiving Tandem Skydiving (more than one jump per trip)
Parasailing/Parascending over Land
Flying as a Pilot or Passenger in a Glider or Ultralight
EXTREME SPORTS COVERAGE $300 PER TRIP
Bull Riding/Bull Fighting
Free Diving over 30 Meters
Motorized Speed Contests
Motorized X Game Sports (or those sports in similar type events)
Mountaineering over 6,000 Meters
Rodeo / Running with the Bulls
Scuba Diving (if not certified by an internationally recognized and accepted program)
Scuba Diving over 30 Meters
Ultimate Fighting & Mixed Martial Arts
• Wingsuit Jumping/Wingsuit Flying
WHICH SPORTS ARE EXCLUDED
Out of bounds skiing, snowboarding, snowshoeing or non mortorized snow biking are NOT covered.
Out of bounds means any mountain area that: a) Has been closed off to public access; or, b) Has been identified as “out-of-bounds” and/or can typically only be accessed by crossing a fenced, gated or roped-off area that has been marked as off limits according to recommendations of safety authorities in the area. Read more about out of bounds vs backcountry here.
IS IT BETTER TO BUY FOR THE ENTIRE LENGTH OF MY TRIP?
Yes. If you become injured or ill in the final days of your stay, the coverage does not extend beyond the expiry date and cannot be extended if you've already made a claim, leaving you with potential high medical costs. The other important saving is the "Sports Packages" are charged each time you purchase a new policy. If you plan on being in Canada for 6 months for instance, you're much better off buying for the entire length of your stay and get a refund if you change your plans.
CAN I EXTEND MY COVERAGE?
You can extend your period of coverage before your Policy expires by calling your agent or TuGo during general business hours at 1-855-929-8846 or email at email@example.com and must meet the following conditions;
You have not submitted a claim and have no intent to submit a claim.
Your period of coverage has not already expired.
Extensions are not available if total trip length exceeds two years from the effective date of the original Policy.
You have not seen a physician or other registered medical practitioner since your departure date or the effective date of the Policy.
You are in good health and you do not know of any reason to seek medical attention.
If these conditions haven’t been met, an extension may be authorized at the discretion of TuGo. If an extension has been authorized, there would be no coverage for subsequent claims related directly or indirectly to the condition(s) or symptom(s) for which a claim has been or will be submitted or for which medical treatment was received or required prior to the effective date of the extension.
CAN I CANCEL MY POLICY?
Yes, plans can be cancelled before or on the effective date found on your policy declaration page. Any cancellations after the effective date may result in an administration fee of $25. To cancel a policy or for more information, please contact TuGo Customer Service at 1-855-929-8846 or email at firstname.lastname@example.org
WHAT IF I'M VISITING OTHER PROVINCES IN CANADA OTHER THAN BC
Yes, the TuGo Portal allows you to purchase coverage for any province in Canada as TuGo is Nationwide.
HOW IS BC TRAVEL INSURANCE AFFILIATED WITH TUGO.
BC Travel Insurance is licensed Insurance Broker Operating under Ocean Sun Financial and TuGo is the Insurance provider which takes care of the customer service and claims. All the Insurance is underwritten by Lloyds of London.
AM I COVERED OUSIDE OF BC, WHAT ABOUT VISITING THE USA/MEXICO.
Yes, when buying, you’ll need select the province in which you’ll be spending the most amount of time as your primary destination. If you plan a quick trip to USA of Mexico while on an extended stay in Canada, as long as the majority of your time spent is in the province you selected, you will be covered while travelling abroad. An example of this would be if you’re in BC for 6 month and you decide to take a week vacation to Mexico, your policy will cover you for your trip. Any direct question can be answered by calling TuGo directly at 1-855-929-8846.
WHAT HAPPENS AT TIME OF CLAIM?
Your will need to contact TuGo immediately in any emergency situation from anywhere From Canada and USA: 1-800-663-0399 From Mexico: 001-800-514-9976 / 01-800-681-8070 Worldwide (collect): 604-278-4108
WHAT IS COVERED IN MY POLICY
The company will pay the actual, reasonable and customary medical and related expenses up to the coverage limits for acute, sudden and unexpected emergency sickness or accidents, incurred while you are travelling outside of your country of permanent residence. Eligible medical and related expenses are described below.
Emergency Doctors services (up to policy limits)
Ambulance services – Air and Ground
X-ray and other diagnostic lab tests
Essential medical supplies such as crutches
Fracture treatment benefit (up to $1000)
Emergency Physiotherapy, Chiropractic, Osteopath etc. (Up to a $500)
Emergency Dental services (Up to $4000 from blow to the face)
Hospital allowance for incidental charges ($75 per day)
Emergency Air transportation (must be pre-approved in some cases)
Return of traveling companion (Cost of economy Airfare)
Return of children / grandchildren ($250 per day up to $2500)
Family transportation ($300 per day up to $1500)
Out of pocket expenses for accommodation, meals etc. ($250 day up to $2500)
HOW MUCH TIME AND FOLLOW-UP VISITS ARE ALLOWED?
Three follow-up visits within the 14 days after the initial emergency medical treatment, provided the follow-up visits are required as a direct result of the initial emergency.
WHAT ABOUT FRACTURE TREATMENT
Following the initial emergency treatment and any covered follow-up visits, the company will pay up to a maximum of $1,000 for the following treatments related to fractures:
X-ray examinations following the initial casting until the cast is permanently removed; and,
Re-examination physician visits following a casting until the cast is permanently removed; and,
Re-casting and new cast, if medically necessary; and,
Cast removal; and
Physiotherapy treatment When this benefit is used for physiotherapy treatment, there is no further coverage for physiotherapy treatment under the Other Professional Medical Services Benefit. Eligible expenses must be incurred during the same trip and prior to your return to your country of permanent residence.
WHAT CIRCUMSTANCES OFFER AN AUTOMATIC EXTENSION OF COVERAGE?
At the time the period of coverage ends, coverage for you, your insured travelling companion and/or your insured dependent children or grandchildren will be automatically extended at no additional premium:
For seven days in the event your common carrier is delayed due to circumstances beyond your control, preventing you from returning to your home province.
For the remaining period of your hospital confinement plus seven days after release for you to recover and/or travel home; or,
For seven days for you to recover and/or travel home if a physician advises you that your sickness or injury renders you unable to travel on your scheduled return date but you are not hospitalized, if written documentation is provided by the attending physician to substantiate your inability to travel home as originally scheduled.
ARE THERE ANY EXCLUSIONS?
Pre-existing conditions that are not stable in the 120 days before the effective date or the arrival date in Canada, whichever occurs later, for insureds who are 59 years and under on the application date.
Pre-existing conditions that are not stable in the 180 days before the effective date or the arrival date in Canada, whichever occurs later, for insureds who are 60 to 69 years on the application date.
Any pre-existing conditions for insureds who are 70 years and over on the application date.
Conditions or any related conditions for which, prior to arrival date in Canada, testing or investigation took place, was scheduled to take place or was recommended (not including tests for routine check-up or routine monitoring for a medical condition), and for which results had not yet been received at the time of arrival in Canada. This includes tests or investigation that were recommended or scheduled prior to the arrival date in Canada but had not yet taken place.
Tests and investigation except when performed at the time of the initial emergency sickness or injury.
Any medical treatment other than continuous treatment as specified in the Dental Services Benefit, which is a continuation of or subsequent to an emergency sickness or accident during the same trip, including its recurrence or any complications related directly or indirectly thereto, unless you are declared by an attending physician medically unfit to return to your country of permanent residence, or the country you were travelling or residing in prior to arriving in Canada.