What is TuGo insurance?
Review TuGo emergency medical benefits, age-based stability periods, optional unstable-condition and sports coverages, waiting periods, claims, refunds and exclusions.
Underwriter: Refer to the current policy confirmation
Administrator or claims provider: Claims at TuGo / OneWorld Assist
Waiting-period threshold
48 hours when purchased within 60 days after arrival; seven days at 61 days or later
Optional coverages
Sports and Activities, Unstable Pre-existing Medical Condition and additional AD&D may be available
Claims provider
Claims at TuGo / OneWorld Assist
Available plan options
TuGo Emergency Medical
Emergency medical insurance for eligible visitors, workers, students, immigrants and returning Canadians.
- Semi-private hospital accommodation
- Maternity up to CAD $6,000
- Professional services CAD $600 per practitioner
- Accidental dental CAD $6,000
- Optional unstable-condition coverage under age 80
Benefit summary
| Benefit | Maximum or coverage | Important condition |
|---|---|---|
| Hospital and physician | Eligible emergency expenses up to the selected sum insured | Semi-private room and medical-necessity rules apply |
| Prescription drugs | Maximum 30-day supply | Emergency treatment only |
| Follow-up visits | Up to five visits within 14 days | Related to the covered emergency |
| Fracture treatment | Up to CAD $1,000 | Eligible fracture-related expenses |
| Hospital allowance | CAD $100 per day | Hospitalization requirements apply |
| Maternity | Up to CAD $6,000 | Pregnancy must begin after the effective date |
| Professional services | CAD $600 per practitioner | Eligible practitioner services |
| Accidental dental | Up to CAD $6,000 | Eligible accidental blow |
| Dental pain relief | Up to CAD $600 | Eligible emergency treatment |
Who is eligible?
- Foreign workers
- International students
- Visitors to Canada
- Immigrants awaiting government coverage
- Returning Canadians not yet covered by a government plan
- Not travelling against medical advice
- No terminal condition or palliative-care disqualification
- No listed home oxygen, serious cancer, dialysis, transplant or congestive-heart-failure disqualification
Pre-existing conditions and medical history
- Applicants age 59 or younger require 90 days of stability.
- Applicants age 60–69 require 120 days of stability.
- Applicants age 70–85 require 180 days of stability.
- Applicants age 86 or older require 365 days of stability.
- Optional Unstable Pre-existing Medical Condition coverage may be available below age 80.
Medical questionnaire and application guidance
Can an unstable condition be insured?
An optional Unstable Pre-existing Medical Condition benefit may be available to eligible applicants under age 80, subject to underwriting and policy conditions.
Are high-risk sports covered?
Specified sports and activities require the optional Sports and Activities coverage.
Who needs the medical questionnaire?
Applicants age 60 or older may be required to complete it; inaccurate rate-qualification answers can result in an additional CAD $15,000 deductible.
Waiting period and stability guidance
- A 48-hour sickness waiting period applies when purchased within 60 days after arrival in Canada.
- A seven-day sickness waiting period applies when purchased 61 days or more after arrival.
- No waiting period generally applies when purchased before arrival.
- A sickness beginning or producing symptoms during the waiting period is excluded.
Claims and emergency assistance
- Call immediately for hospitalization or major emergency treatment.
- Open the claim online through TuGo claims.
- Provide itemized receipts, medical certificates and unused travel documents.
- Submit required proof within one year of the loss.
Refunds and administration fees
- A full refund may be available within 10 days of application when no travel has occurred and the policy has not expired.
- A partial refund may be considered after 10 days when requested within 90 days after policy expiry.
- A CAD $250 Super Visa cancellation fee may apply when no travel occurred and the visa was not denied.
- A full Super Visa denial refund may be available before the effective date with proof.
- No refund is available when a claim has been or will be submitted.
Important exclusions and limitations
- Unstable pre-existing conditions unless optional coverage applies
- Travel against medical advice
- Terminal conditions and palliative care
- High-risk activities without optional coverage
- Substance misuse and illegal acts
- Non-emergency, elective and cosmetic treatment
- War, terrorism and specified losses
Frequently asked questions
All answers remain openly displayed in the HTML for users, search engines, voice assistants and AI search systems.
Who can buy TuGo visitor insurance?
Eligible visitors, workers, students, immigrants awaiting health coverage and returning Canadians.
What is the stability period?
It ranges from 90 days to 365 days according to age.
Can unstable conditions be covered?
An optional unstable-condition benefit may be available to eligible applicants under age 80.
What is the waiting period?
48 hours when purchased within 60 days after arrival and seven days when purchased later.
Who handles claims?
Claims at TuGo handles emergency assistance and claims.
Compare TuGo before purchasing
Compare the plan, coverage amount, deductible, medical-history requirements, waiting periods, payment arrangement and premium.