TuGo Student Travel Insurance

A medical emergency or sudden illness while studying in Canada could ruin your school year. And without adequate coverage, the medical expenses could ruin you and your family. Tugo student travel insurance would help in these situations.

Some hospitals won’t even admit patients without proper health insurance. If they do, the costs can be astronomical. Don’t gamble with financial disaster when you can protect yourself with the most comprehensive and affordable coverage available.

Don’t wait for something to happen.

Don’t take your health for granted. Get the peace of mind. Get Student Travel Insurance.

Every time you travel outside of your home country, you may be leaving the benefits and coverage of your home health plan behind.

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This insurance provides coverage for medical expenses incurred by students enrolled in a school in Canada.

Key Benefits	Maximum Limit
Maximum policy limit	$2,000,000
Emergency medical treatment	Up to the policy limit for: Emergency treatment for in-patient or out-patient care Services of a physician X-rays and laboratory services Rental or purchase of essential medical appliances Up to $20,000 for private duty nursing
Follow-up visits	Up to 5 follow-up visits within 14 days of the initial emergency treatment
Ambulance	Up to the policy limit for ground, air or sea ambulance (including paramedics) or taxi in lieu
Prescription drugs	Up to a 30-day supply following an emergency Note: The cost for one morning-after pill is also provided once during a 12 consecutive month period if the insured has purchased a 365-day policy
Eye examination	One visit to an optometrist or ophthalmologist for a general eye examination Note: This benefit is available once during a 12 consecutive month period if the insured has purchased a 180-day policy
Annual physician visit	Up to $150 for one general check-up or one immigration medical examination in lieu Note: Coverage is also provided for preventative screening tests. This benefit is available once during a 12 consecutive month period if the insured has purchased a 180-day policy
Maternity	Up to $25,000 for: Pre-natal care Complications related to pregnancy that arise within the 9 weeks before and after the expected due date Involuntary termination of pregnancy
Dental	Up to $6,000 for dental accidents Up to $600 for any other dental emergencies Up to $150 per impacted wisdom teeth Note: All treatment must be completed within 90 days after the treatment began and within the period of coverage
Professional medical services	Up to $1,000 per incident per practitioner for the services of a: Physiotherapist Chiropractor Chiropodist Osteopath Podiatrist Acupuncturist Naturopath Speech therapist Up to $2,000 combined for all practitioners per incident for the services of a: Psychiatrist Psychologist Clinical counsellor Psychotherapist Nurse psychotherapist Social worker
Repatriation	Up to $25,000 for preparation and return of the body Up to $15,000 for burial or cremation at the place of death Up to $5,000 for transportation costs for one family member to identify the body, and up to $400 per day to a maximum of $2,000 for their meals and accommodation
Family transportation	When an insured is hospitalized, this benefit includes: Up to $5,000 for one round trip economy airfare or ground transportation costs for a family member or friend to be at their bedside Up to $400 per day to a maximum of $2,000 for out-of-pocket expenses
Accidental Death and Dismemberment	$10,000 Insureds can purchase the Accidental Death and Dismemberment Optional Coverage to increase the limits of coverage as follows: Air flight/common carrier - $100,000 24-hour Accident - $25,000
Rehabilitation treatment	Up to $250 per day to a maximum of 7 days for emergency treatment in a rehabilitation facility, when it’s medically necessary after hospitalization
Vaccination and tuberculosis testing	Up to $150 for: Vaccinations of any kind Tuberculosis testing* Note: This benefit is available once during a 12 consecutive month period if the insured has purchased a 180-day policy *Coverage for tuberculosis testing is not available if the testing is mandated by the school board or school
Sexually transmitted infection testing	Up to $100 Note: This benefit is available once during a 12 consecutive month period if the insured has purchased a 180-day policy
Fracture treatment	Up to $1,000 for treatment related to fractures. This benefit includes: X-rays Re-examination physician visits Medically necessary casting and re-casting Cast removal Note: This benefit is only available in lieu of the Airfare to Return Home for Treatment benefit
Tutorial services	Up to $20/hour to a maximum of $400, if the insured is hospitalized for 30 consecutive days or more
Airfare to return home for treatment	Up to a one-way economy airfare to return to the country of permanent residence for immediate treatment* Note: For fracture claims, this benefit is only available in lieu of the Fracture Treatment benefit * Treatment must be required within 10 days of returning home
Return of vehicle	When the insured is not medically fit to drive back to their home country, this benefit includes: Up to $1,000 for a commercial agency to return the vehicle or up to a one-way economy airfare plus gas, meals and accommodation for a family member or friend to pick up and return the vehicle
Prescription glasses/contact lenses/hearing aids	Up to $200 if required because of an accident or injury Note: Includes the cost to repair existing glasses or hearing aids

Key Features
Maximum policy limit	$2,000,000
Age limit	Students Up to 69 years Family Members Minimum of 15 days up to 59 years
Family coverage	Coverage is available for family members who are residing with the student while they are enrolled in school. The student must either be covered under a TuGo Student Insurance policy or meet the eligibility requirements for a TuGo Student policy. Eligible family members include: Legal or common-law spouse Parents (including step-parents and legal guardians) Siblings and step-siblings Unmarried dependent children* * Up to 21 years or up to 59 years if they have a cognitive, developmental, or physical disability
Pre-existing conditions	There is a 90-day stability period for pre-existing medical conditions before the effective date of the policy
Travel worldwide	Travel Worldwide Travel worldwide is covered provided the insured intends to spend the majority of their time in Canada Travel in Home Country Visits to the home country are permitted; the Policy will not terminate but expenses in the home country will not be covered
School breaks	Coverage is available during school breaks provided the student is still enrolled as a full-time or part-time student

Important Notes

For more details, please see the PDF files below.

• Student Travel Insurance Policy Wording >>
• Student Plan Application Form >>