For students of foreign nationality while they are studying in Canada (inbound students), or for Canadian students while they are studying abroad (outbound students).

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Studying in Canada? Get Covered!

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.

Citizenship and Immigration Canada

recommends that all international students studying in Canada purchase health coverage when they arrive in the country as foreign students may not be eligible for provincial health care plans.

For more information, visit http://www.cic.gc.ca

Features and Benefits

Summary of coverage and eligibility

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

Key BenefitsMaximum Limit
Maximum liability$2,000,000
Emergency medical treatment
  • Emergency medical treatment for sickness or injury whether in-patient or out-patient care
  • Services of physician, surgeon, anaesthetist, registered graduate nurse
  • Up to $15,000 for private duty nursing
  • X-rays and laboratory services
  • Rental of medical appliances
Non-emergency medical treatmentUp to $3,000
AmbulanceIncluding mountain and sea rescue. Taxi expenses up to $125 in lieu of ambulance
Prescription drugsLimit of a 30-day supply, up to $10,000
Eye examinationOne visit per 12 months period
Annual physician visitUp to $150 for one check-up or one consultation session and prescription of the ‘morning after pill’ per 12 months period (if 365 days are purchased)
Emergency air transportationUp to Policy limit
MaternityUp to $25,000 if pregnancy commenced during period of coverage
Dental
  • Up to $5,000 for accident
  • Up to $600 for dental pain
  • Up to $150 for impacted wisdom tooth
Professional medical services Up to $600 per practitioner for visits to licensed physiotherapist, chiropractor, chiropodist, osteopath, acupuncturist, speech therapist, naturopath, or podiatrist. Referral needed for acupuncturist and naturopath
Psychological/Psychiatric
  • Up to $1,000 for visits to a physician, psychiatrist or psychologist
  • Up to $10,000 for hospitalization
Repatriation
  • Up to $25,000 for repatriation
  • Up to $5,000 for burial/cremation at place of death (excluding cost of burial coffin or urn)
  • Up to $5,000 for a family member to travel and identify your body and up to $1,500 for meals and accommodation
Family transportationUp to $5,000 for transportation costs and up to $1,500 for meals and accommodation in the event of your hospitalization
Accidental Death and Dismemberment
    $10,000
    Optional limits available:
  • Air flight/common carrier - $100,000
  • 24-hour Accident - $25,000

Key Features

Key Features 
Travel worldwideTravel worldwide is valid as long as majority of time is spent in country of study. No coverage provided while in home country
Pre-existing conditionsCovered if stable in the 90 days prior to the effective date
Exclusions
  • Medical treatment or medical condition originating in your home country
  • Long term care or ongoing care
  • Refer to policy wording for complete list of all exclusions
Refund
  • Full refund if prior to the effective date/if student visa is denied/if entry into country is denied/if non arrival to country of study
  • Partial refunds are also available – consult the policy wording for full details
Claims procedureConsult the claim guideline in your policy wording

Claims at TuGo has provided superior customer care and claims solutions for TuGo policyholders for over 25 years. In case of emergency or if you need to file a claim, call us at:

In Canada & USA: 1-800-663-0399

From Mexico: 001-800-514-9976

Collect Worldwide: 604-278-4108

Important Notes

The language in this document may not be the same as the actual policy wording which will prevail in all instances and is available upon request. Certain exclusions, limitations and conditions may apply.

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