Maximum policy limit

$5,000,000 CAD

Age limit

None

Applicable to Travel within Canada plans

• $0 CAD

• $5,000 CAD

• $300 CAD

• $10,000 CAD

• $500 CAD

• $25,000 CAD

• $1,000 CAD

• $50,000 CAD

• $2,000 CAD

• $100,000 CAD

Deductible

Applicable to Worldwide and Worldwide excluding USA plans

• $0 USD

• $5,000 USD

• $300 USD

• $10,000 USD

• $500 USD

• $25,000 USD

• $1,000 USD

• $50,000 USD

• $2,000 USD

• $100,000 USD

Multi Trip Annual

• Multi trip annual worldwide

• Multi trip annual within Canada

Single Trip

Plans available

• Single trip worldwide

Multi trip annual trip lengths

Options include:

2/5/10/15/20/35/60 days

There will be no subrogation against any employment plans with

Subrogation

a lifetime maximum limit of $100,000 or less. If the maximum lifetime

limit is over $100,000, Claims at TuGo will never reduce the lifetime

maximum limit below $50,000

Up to the policy limit for:

• Emergency medical

Emergency medical treatment

•

Services of physician

•

Private duty nursing

• X-rays and laboratory services

• Rental or purchase of essential medical

Ambulance

Up to the policy limit for ground, air or sea

or taxi in

Follow-up visit

Up to one follow-up visit within 14 days of the initial

treatment

Prescription drugs

• Up to a 30-day supply following an emergency during the

•

Up to $200 for a physician visit to get a new prescription for

or

damaged prescription drugs

Up to $700 for any one incident per practitioner for licensed:

Professional medical services

•

Physiotherapists

• Podiatrists

• Chiropractors

• Optometrists

• Chiropodists

• Acupuncturists

• Osteopaths

Up to $1,250 for medical treatment related to fractures. This benefit includes:

Fracture treatment

• X-rays

•

Re-examination physician visits

• Casting and re-casting

• Cast removal

•

Up to the policy limit for dental accidents during trip. Also includes additional coverage for

Dental

up to 30 days in the home province upon return from the trip

• Up to $700 for any other dental emergencies

Vision care & hearing aids

Up to $1,000 for the replacement of prescription glasses, contact lenses and/or hearing aids if

lost, stolen or broken

Unexpected birth of a child

Up to $25,000 for medical expenses incurred by a newborn child

Hospital allowance

Up to $100 per day for incidental hospital charges

Up to the policy limit for medical air evacuation. If medically required, this benefit also includes:

Emergency air transportation

• The cost of a qualified medical attendant

• An airline seat upgrade

Airfare to return home for

Up to a one-way economy airfare to return to the home province for immediate medical

treatment*

treatment

* Treatment must be required within 10 days of returning home

Return of excess baggage

Up to $700 if the insured traveller is medically air evacuated to their home province and there was

no room aboard the aircraft for baggage

When an insured traveller is returned to their home province because of a medical emergency,

Return of travelling companion

this benefit includes:

A one-way economy airfare for their travelling companion to also return home*

* The travelling companion does not have to be insured

When an insured traveller is returned to their home province because of a medical emergency,

this benefit includes:

Return of dependent children

• Up to a one-way economy airfare for dependent children* to return home

• The cost of a qualified chaperone

KEY BENEFITS cont’d

MAXIMUM LIMIT

Remote evacuation

Up to $6,000 for non-

services from mountain,

• Up to the policy limit for preparation

Repatriation

• Up to $6,000 for burial or cremation at

• Transportation costs and insurance

one

up to $400 per day to a maximum of

their

When an insured traveller is hospitalized, this

Family transportation

• A round trip economy airfare or ground

member to be

at their bedside

• Up to $500 per day to a maximum of $2,500 for out-of-

When a travelling companion is hospitalized on the date the

is scheduled to

return home or when they are transferred to a different hospital

city for emergency

medical treatment, this benefit includes:

Out-of-pocket expenses

Up to $500 per day to a maximum of $5,000 for:

• Commercial accommodation

• Internet charges

• Bus fare

• Meals

• Taxi fare

• Rental car services

• Telephone calls

• Parking charges

Up to $500 per day to a maximum of $5,000 for child care costs* when the insured traveller is

Child care

confined to hospital or transferred to a different hospital in another city for emergency medical

treatment

* Children must be insured and 18 years or under

When the insured traveller is not medically fit to drive home, this benefit includes:

Return of vehicle

Up to the policy limit 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

When the insured traveller chooses to return to their travel destination after being air evacuated

to their home province for a medical emergency, this benefit includes:

Return to your destination

One-way economy airfare for the insured traveller and the their travelling companion* to return

to their travel destination

* Travelling companion must be the same person who originally returned home with the insured

traveller at the time of the medical emergency

Return of pets

Up to $300 when the insured traveller is returned to their home province because of a

medical emergency

• Up to $900 for accommodation and meals when a flight is delayed for 4+ hours

Air travel delay expenses

• Up to $400 for additional transportation when a flight is delayed for 4+ hours

• Up to $400 for entertainment expenses when a flight is delayed for 4+ hours

• Up to $900 for essential items when the baggage is lost or delayed by the airline for 6+ hours

When the insured traveller is returned to their home province because of a medical emergency,

Domestic services in Canada

this benefit includes:

Up to $300 for cooking, cleaning, child care and pet care services within 15 days from the

date of return

When the insured traveller is returned to their home province because of a medical emergency,

this benefit is available for up to 15 days from the return date and includes:

Medical follow-up in Canada

• Up to $1,000 for a semi-private room in a hospital, rehabilitation centre or convalescent home

• Up to $100 per day for home care nursing

• Up to $300 for ambulance or taxi services

• Up to $300 for rental or purchase of essential medical appliances

For single trip plans, coverage will not terminate if the traveller needs to make one temporary

Temporary visit home

and unexpected visit to their home province during their trip*