Pankaj Bhatia

TuGo: Visitors to Canada OR Super Visa Insurance

Eligible For Super Visa, Visitors, New Immigrants, Foreign Workers, Returning Canadians and IEC/Working Holidays
Coverage Amounts $10,000 / $30,000 / $50,000 / $100,000 / $150,000 / $200,000 / $250,000 / $300,000

Emergency Hospitalization

Up to sum insured

Emergency Home Return / Evacuation


Emergency Medical Care

Up to sum insured

Services of a Physician, Surgeon, etc.

Up to sum insured

Ambulance Services / Transportation

Up to sum insured

Prescription Medications

Up to $10,000 / 1-month supply

Emergency Dental Repair

Up to $4,000

Dental Pain Relief

Up to $600

Emergency Services of Chiropractor, Chiropodist, Physiotherapist, Osteopath, or Podiatrist

Up to $500 per Category

Out-patient Treatment

Up to sum insured

Stable Pre-existing Medical Conditions Coverage


Follow Up Treatment

Up to $3,000

Bedside Companion Accommodation / Transportation


Meals and Accommodation / Hospital Allowance / Out-of-pocket Expenses

Up to $2,000 / $200 a day

Laboratory Diagnostics / X-Ray

Up to sum insured

Private Duty Nurse / Medical Attendant

Up to sum insured

Rental / Purchase of Medical Appliances

Up to sum insured

Cremation / Burial

Up to $5,000

Repatriation of Remains

Up to $12,000

Accidental Death & Dismemberment

Up to $25,000

Double Dismemberment

Up to $25,000

Single Dismemberment

Up to $12,500

Maternity Benefits / Delivery Coverage

Up to $3,000

Pregnancy Complications Coverage

Up to $3,000

Sports Injuries Coverage


Flight / Travel Accident

Up to $25,000

Child Care / Escort Expenses

Up to $500 / $50 a day

Trip-Break Benefit


Side-Trips Benefit


Uninterrupted Flights Coverage (in & from Canada)


Return of a Vehicle

Up to $2,500

24-hour Emergency Assistance Center


Trip-Break Benefit:

Trips Break benefits under the medical emergency insurance by TuGo are available for Visitors to Canada, who is going for a visit to their country of origin. Trip Break benefit allows you to come back and forth between your home country and Canada without breaking the insurance coverage provided by TuGo. Please note that TuGo does not compensate you for any medical costs incurred in the country of your origin.

Side-Trips Benefit:

Side-trips insurance benefits are also available for visitors to Canada, who are travelling around the globe. TuGo will cover your health care expenses for emergencies outside Canada with an exception of your home country as well as any other country, where you can be found eligible for a government medical plan. To receive the Side-Trips benefits you MUST physically remain in Canada for more than 50% of the total period of coverage provided by TuGo.

Policy Wording:

Policy Wording provides details on your insurance coverage as well as its exclusions, limitations, premium refunds, claim submission procedure and more. Read this document carefully prior to the purchase.Policy Wording

You are eligible to receive medical emergency coverage from TuGo, if:

– You are over 14 days old and have not yet reached the age of 90 at the time of your application for TU insurance policy.
– You are legally admissible to Canada as a Visitor/Tourist, Foreign Worker, New Immigrant or Returning Canadian, who are not eligible for the Provincial Health Care Coverage at the time of entry to Canada.
– Medical expenses you incur result from sudden emergencies.
– You are not travelling against the advice of a physician.
– You have not been diagnosed with a terminal illness.

Waiting Period:

TuGo does not subject any individual to a waiting period if the policy is purchased before arrival in Canada. In such case, your coverage commences on the departure date from your country of Permanent Residence to Canada. The total length of the mentioned trip to Canada MUST NOT exceed 7 (seven) days.

If the insurance plan is purchased AFTER your arrival in Canada, your policy will be a subject to a Waiting Period:

– 48-hour waiting period for sicknesses (not injuries) if the policy was purchased within the first 60 days after your arrival in Canada.
– The 7-day waiting period for sickness (not injuries) applies in case the policy was purchased after the first 61 days of the arrival date in Canada.

Making a Claim with TuGo:

In the event of a medical emergency, you or someone on your behalf must contact Claims at TuGo before making a claim, if it is possible.

Claims at TuGo is available 24-hours a day, 7 days a week.

– Toll-Free – 1.800.663.0399 (within Canada and USA)
– Toll-Free – 001.800.514.9976 (from Mexico)
– Collect – 1.604.278.4108 (for all other locations)

In order to proceed with a claim you need to do the following:

– Fill out a Claim Form, which will be sent to you by TuGo, and attach all original medical receipts for treatment and prescription medication.
– Send the form with your receipts to the following address:

Claims at TuGo
10th Floor, 6081 No. 3 Road
Richmond, BC Canada V6Y 2B2

All claims you have made MUST be reported to an appropriate documentation received by TuGo within 1 year following the date a claim was made.

Premium Refunds:

Please note that NO premium refunds are available if a claim has been or is going to be submitted.

Full premium refunds are available to Visitors to Canada when no travel to Canada has taken place:

– A full premium refund is available when the request for compensation is received BEFORE the effective date indicated on the insurance policy. No fee applies.
– A full premium refund is available when the request for refund is received AFTER the effective date of the Policy within 10 days of purchasing the insurance policy.
– A full premium refund is available when the request for refund is received AFTER the effective date of the Policy and AFTER 10 days of purchasing the insurance policy (within 30 days following the effective date and prior to the expiry date of your policy). An administration fee will apply.
– If a Super Visa application was rejected, a 100% premium refund is available, if the request for compensation is receiver BEFORE the effective date indicated on the policy. A satisfactory proof of visa refusal is required.

You may request to receive Partial Premium Refunds, if:

– You request a refund due to an Early Departure to your home country a minimum of 45 days BEFORE your policy expires. Refunds are calculated from the date you return to your country of permanent residence.
– You become eligible for a Provincial Medical Plan health plan while being covered by TuGo. The refund will be calculated starting from the same day you become eligible and/or covered under the government health care plan.

All Partial Refunds are subject to an administration fee.

All refund requests must be received by TuGo no later than 30 days from the date you became eligible and/or covered under a provincial or territorial government health care plan.

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