International Students

International Students - TuGo

Summary

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International students who come to Canada are not covered under a government health plan.

Canadian students studying abroad will not be covered adequately under their government health plan.

An international student medical policy will provide emergency medical coverage for both types of students for a few dollars a day. The policy has a coverage limit of $2,000,000.

Eligibility and Rates

INBOUND STUDENTS
(students studying in Canada)

Eligibility Requirements:

  1. Applicant is 69 years of age and under at the time of application date of the policy.
  2. Applicant must be a student enrolled in a school within Canada, or
  3. Applicant must be an accompanying family member of the student residing in Canada.
  4. Applicant must not be insured under a provincial or territorial government health care plan. If the applicant becomes eligible for and insured under the government health care plan of the province or territory in which they study, the insurance will then apply in excess of this provincial or territorial government health care plan.
     
  5. Applicant must not be travelling against a physician's advice and have not been diagnosed with a terminal condition.
RATES  
Age Single Daily Rate
0 - 69 years

 $1.98

   
Age * Family Daily Rate
0 - 59 years $1.98
  (per person in the family)

 

  • Minimum - 10 days
  • Maximum - 365 days ( or 366 days for leap years)

Minimum of 2 applicants required to be eligible for Family plan.



OUTBOUND STUDENTS
(students studying outside of Canada)

Eligibility Requirements:

  1. Applicant must be 40 years and under at the time of application date of the policy.
  2. Applicant must be a student enrolled in a school outside of Canada, or
  3. Applicant must be an accompanying family member of the student studying abroad.
  4. Applicant must be insured or eligible for benefits under the government health care plan of the province or territory in which they reside. If the applicant is not insured under the government health care plan in the province or territory in which they reside, the portion that would have been refunded by the provincial or territorial government health care plan is not a benefit of this insurance.
  5. Applicant must not be travelling against a physician's advice and have not been diagnosed with a terminal condition.
RATES  
Age  Single Daily Rate
0 - 40 years

$1.98

   
Age * Family Daily Rate
0 - 40 years

$1.98

  (per person in the family)
 
  • Minimum - 10 days
  • Maximum - 365 days ( or 366 days for leap years)

Minimum of 2 applicants required to be eligible for Family plan.
 


ACCIDENTAL DEATH AND DISMEMBERMENT INSURANCE

Optional Benefits:

Air Flight/Common Carrier Accident
Maximum sum insured - $10,000
24-Hour Accident
Maximum sum insured - $10,000

Option to increase limits:

Air Flight/Common Carrier Accident
Increase maximum sum insured - $100,000
24-Hour Accident
Increase maximum sum insured $25,000

Rate
$22 per person

Important: Optional coverage must be purchased prior to the effective date of the policy.

RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE

 


DEFINITIONS

FAMILY PLAN

Inbound Students
"Family" means a student aged 59 years and under plus their legal or common-law spouse, parent(s), step-parent(s), legal guardian(s), brother(s), sister(s), step-brother(s), step-sister(s) and unmarried dependent children of the student 25 years of age and under and who are living with the student while in Canada.



Outbound Students

"Family" means a student aged 40 years and under plus their legal or common-law spouse, parent(s), step-parent(s), legal guardian(s), brother(s), sister(s), step-brother(s), step-sister(s) and unmarried dependent children 25 year of age and under and who are living with the student while in country of study.

Note: "Family" also includes faculty, participants in educational/business/cultural exchanges and their family.

PRE-EXISTING CONDITION COVERAGE
Pre-existing conditions are covered providing they have remained stable in the 90 days prior to the effective date. This applies to both Inbound and Outbound Students.

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Features and Benefits

Benefits Maximum 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 treatment Up to $3,000
Ambulance Including mountain and sea rescue. Taxi expenses up to $125 in lieu of ambulance.
Prescription drugs Limit of a 30-day supply, up to $10,000
Eye examination One visit per 12 months period.
Annual physician visit Up 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 transportation Up to Policy Limit.
Maternity Up 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 $15,000 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 transportation Up 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 with option limits available:

Air flight/common carrier - $100,000
24-hour Accident - $25,000.
Features Details
Travel worldwide Travel worldwide is valid as long as majority of time is spent in country of study. No coverage provided while in home country.
Pre-existing conditions Covered 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 procedure Consult the claim guideline in your policy wording.

Paper Application

Fill out this form and email it to dan@pucherinsurance.com or

Mail it to:
880 Regina Street, Unit #102
North Bay, Ontario P1B 2K6
Effective Date:
Expiry Date:
Family Plan: Yes No
Beneficiary:
First Name:
Last Name:
Birth Date:
Address:
Phone Number:
Email Address:
Credit Card Information:
Card Type:
Card Number:
Card Expiry Date:
Cardholder's Name: