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 Tugo 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.

International Student Insurance

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

Features and Benefits

Summary of coverage and eligibility

Tugo student travel insurance provides coverage for medical expenses incurred by students enrolled in a school in Canada.

Key BenefitsMaximum Limit
Maximum policy limit$2,000,000
Emergency medical treatmentUp 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 visitsUp to 5 follow-up visits within 14 days of the initial emergency treatment
AmbulanceUp to the policy limit for ground, air or sea ambulance (including paramedics) or taxi in lieu
Prescription drugsUp 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 examinationOne 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 visitUp 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
MaternityUp 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
  • 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 servicesUp 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
  • 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 transportationWhen 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 treatmentUp 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 testingUp 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 testingUp to $100
Note: This benefit is available once during a 12 consecutive month period if the insured has
purchased a 180-day policy
Fracture treatmentUp 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 servicesUp to $20/hour to a maximum of $400, if the insured is hospitalized for 30 consecutive days or more
Airfare to return home for treatmentUp 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 vehicleWhen 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 aidsUp to $200 if required because of an accident or injury

Note: Includes the cost to repair existing glasses or hearing aids

Key Features

Key Features
Maximum policy limit$2,000,000
Age limitStudents
Up to 69 years

Family Members
Minimum of 15 days up to 59 years
Family coverageCoverage 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 conditionsThere is a 90-day stability period for pre-existing medical conditions before the effective date of the policy
Travel worldwideTravel 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 breaksCoverage is available during school breaks provided the student is still enrolled as a full-time or part-time student

Tugo student travel insurance

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.

PDF Files

For more details, please see the PDF files below.

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