No, coverage for COVID-19 medical and related expenses are not covered under the Emergency Medical plan. COVID-19 Insurance would need to be purchased with the Emergency Medical plan to have this coverage.
As of October 28, 2020, you can buy TuGo’s COVID-19 Insurance. This insurance can be purchased in conjunction with TuGo Emergency Medical Insurance. You must meet the eligibility requirements of both the TuGo Emergency Medical plan and the COVID-19 plan. For eligibility information, contact your local insurance broker or TuGo’s Customer Service at 1-855-929-8846.
TuGo defines an “Essential Service Provider” as: A person who is required to travel to the USA in order to provide private or public essential services that are necessary, at any time, for the security, safety, health and/or the welfare of the public or a segment of the public. This includes but is not limited to truck drivers (transporting essential goods such as medicine, food, gas, etc.), airline crew members and health-care workers.
If you’re an Essential Service Provider, we will continue to authorize COVID-19 coverage for you under your Emergency Medical Insurance coverage until further notice.
Travellers who are not Essential Service Providers will need to purchase the single trip COVID-19 Insurance for each trip.
No, TuGo’s COVID-19 Insurance must be purchased before departure.
No, you’ll be covered by your provincial healthcare plan for COVID-19 and other medical emergencies. That said, you may want to consider purchasing Within Canada Emergency Medical Insurance for the other costs that can be incurred like an ambulance ride, return of vehicle and more.
TuGo’s COVID-19 Coverage is available on a single trip basis; if you have a Multi Trip Annual policy, you’ll need to buy COVID-19 Insurance for each trip you take throughout the year.
No, there is no coverage for pre-existing conditions under the COVID-19 Insurance. However, we consider diagnoses of COVID-19 as isolated cases and not pre-existing conditions. If you’ve been diagnosed with COVID-19 and have since recovered from it, but during your trip you contract another isolated case of COVID-19, we do not consider this to be a pre-existing condition.
TuGo will provide you coverage for medical and related expenses until you test negative for COVID-19.
Yes, you can buy COVID-19 Insurance if you haven’t been diagnosed with COVID-19 on or within 30 days before departure and aren’t showing symptoms on or within 14 days before departure.
No, since the mandatory COVID-19 test is not a medical emergency, the test (including any additional COVID-19 test taken to meet government requirements) won’t be covered under our COVID-19 Insurance plan, regardless of the test results.
No, the cost of the test will not be covered by either our COVID-19 Insurance or Emergency Medical Insurance.
Yes, coverage is available, subject to the policy terms and conditions. But remember, since the mandatory COVID-19 test is not a medical emergency, the test (including any additional COVID-19 test taken to meet government requirements) won’t be covered.
Yes, automatic extensions to coverage for medical expenses and quarantine expenses are available, subject to the policy terms and conditions. The automatic extension period will vary depending on the reason you need to extend your trip. However, you would need to purchase an extension for the Emergency Medical plan, since the automatic extension to coverage wouldn’t apply.
Yes, you can extend your policy, subject to the policy terms and conditions. If the test comes back positive, coverage will be provided for medical and quarantine expenses, but the cost of the test won’t be covered.
Yes, it will be a considered a pre-existing medical condition and needs to meet the stability requirements of Emergency Medical Insurance.
If the onset of the adverse reaction or complication occurs after departure, this would be considered unexpected and coverage would be provided under Emergency Medical Insurance, subject to the policy terms and conditions. It’s not covered under our COVID-19 Insurance, since it isn’t COVID-19-related.
No, a vaccine is considered a preventative measure, not an emergency medical treatment. The vaccine will not be covered under our Emergency Medical Insurance or COVID-19 Insurance, since a vaccine isn’t a medical emergency.
Yes, you would be covered under Emergency Medical Insurance, subject to the policy terms and conditions. The vaccine itself wouldn’t be covered, since it isn’t an emergency medical treatment.
WestJet or Swoop COVID-19 Insurance isn’t the same type of coverage as TuGo Emergency Medical Insurance. If buying TuGo’s COVID-19 Insurance plan, coverage must be purchased before departure and must start on the first day of the trip. The traveller must also buy a TuGo Emergency Medical Insurance plan for the same time frame as the TuGo COVID-19 Insurance plan.
TuGo is offering 15 months of Multi Trip Annual Insurance coverage for the price of 12 on new sales, renewals and auto-renewals, until March 31, 2021.
Yes, TuGo is pleased to renew policies that come up for renewal from now to March 31, 2021 on the 15-month plan.
Yes, you’re welcome to contact your broker or TuGo’s Customer Service to renew your policy early and take advantage of the offer before March 31, 2021.
No, you can choose to renew on the standard 12-month annual plan. Simply contact your broker or TuGo’s Customer Service to advise of your preference.
If you purchased a new Visitor to Canada Emergency Medical, Visitor to Canada Holiday Package, or Student Medical policy on or after July 8, 2020, coverage for COVID-19 may be provided, subject to the terms and conditions of the policy, just like any other medical condition.
If you purchased a policy between April 3, 2020 and July 7, 2020 coverage will not be provided for any COVID-19 related medical conditions. However, if the policy is still in effect on or after July 8, 2020, you will be covered for COVID-19 from July 8 onwards. This means that coverage can change mid-trip.
If you purchased a policy that went into effect before April 3, 2020 and did not experience any symptoms upon arrival in Canada, coverage for COVID-19 may also be provided, subject to the terms and conditions of the policy.
As of March 4, 2020, COVID-19 is considered a known circumstance for travel, which means it’s no longer considered sudden and unexpected.
If you bought Trip Cancellation & Trip Interruption Insurance March 4, 2020 or later, there is no coverage for cancellation or interruption as a result of COVID-19.
If you bought Trip Cancellation & Trip Interruption Insurance before March 4, 2020, and you would like to cancel your trip, coverage would still apply, provided there was no travel advisory to avoid all or non-essential travel to your destination at the time your trip was booked or the insurance was purchased. Please note the travel advisory must still be in effect on your scheduled departure date.
Yes, if you have the Cancel for Any Reason option added on to your Trip Cancellation & Trip Interruption Insurance, you can enjoy flexibility whenever your trip is cancelled for any reason that’s not already listed as a covered risk in the policy.
NOTE: As of January 29, 2021, this option is temporarily unavailable for purchase.
Yes, coverage would be provided subject to the policy terms and conditions, if you didn’t have symptoms at the time the insurance was purchased.
Notes: If you had symptoms/complications before they purchased the insurance, this would not be covered, since the symptoms were a circumstance known to you–which might reasonably be expected to prevent travel as booked.
If you purchased the insurance more than 72 hours after booking the trip, any illness, disease, or death occurring within 72 hours of purchasing the insurance wouldn’t be covered.
Yes, coverage would be provided subject to the policy terms and conditions.
Yes, if you had a reaction to a vaccine, coverage would be provided subject to the policy terms and conditions.
The US Dept of Transportation requires that all US and foreign airlines with flights travelling to, within or from the US provide a refund to travellers when the airline cancels the flight.
For example, if you have a flight to New York with Air Canada, and the airline cancels the flight, you’re entitled to a full refund on their airfare.
These expenses aren’t covered under our policy since they are refundable by the airline. TuGo’s Trip Cancellation & Interruption Insurance covers non-refundable pre-paid travel costs.
The European Commission requires that any airline with flights travelling within or scheduled to leave Europe to provide a refund to travellers when the airline cancels the flight. For cancelled flights into Europe, refunds are available for all European airlines. This applies to EU member countries and the non-EU members that are part of the Schengen zone (Switzerland, Liechtenstein, Norway and Iceland).
For example, if you have a flight from Montreal to Paris with Air France, and the airline cancels the flight, you’re entitled to a refund on your airfare. But if you had booked the flight with Air Canada and that flight was cancelled, Air Canada is not required to issue a refund under the EU’s Air Passenger Rights, although they might choose to do so. If the airline does not issue a refund, you may then claim for the non-refundable expenses.
Most of these expenses aren’t covered under our policy since they are refundable by the airline. TuGo’s Trip Cancellation & Interruption Insurance covers non-refundable pre-paid travel costs.
Any expenses related to the original medical emergency would be covered up to the policy limit of the Emergency Medical Worldwide or Worldwide Excluding USA Insurance. Any expenses specifically related to the traveller being tested and diagnosed with COVID-19 will be covered up to the policy limit under the COVID-19 Insurance plan.
Most travel related companies are offering to reschedule flights, provide future credits or refund.
TuGo requires that you request a refund from your airline, cruise line or other tour operator prior to submitting a claim to TuGo. Please check with your travel provider first to see if a refund is available to you.
Coverage is only available for non-refundable, prepaid expenses or change fees. However, if you choose to accept a future travel credit, we won’t reimburse this portion of the expenses. If you do not accept a future travel credit, we will reimburse the eligible expenses, as long as you provide proof that the credit has been cancelled.
If you’re wanting to open a Trip Cancellation & Trip Interruption claim due to a Canadian government travel advisory related to the COVID-19, coverage must have been purchased before March 4, 2020 and before any travel advisory went into effect. The advisory for which you are claiming must still be in effect on your scheduled travel date. Please wait to contact us until the day of your planned travel date or afterwards. We’re unable to assist you with opening a claim or confirming coverage prior to this point.
If the policy was cancelled before the effective date or within 10 days of the application date (if travel hasn’t taken place), a full refund is allowed. Refunds aren’t available if the policy has already gone into effect (even if the travel advisory is downgraded to a Level 1 or 2 during the coverage period).
If you decided not to go on your trip and your policy has not gone into effect, a full refund, or a voucher for the full refund amount may be available to you.
Single Trip Emergency Medical
If you returned early from your trip, a voucher or refund is available for your unused number of days on your emergency medical policy, as long as you don’t claim or have any intention of claiming on your policy.
Annual Emergency Medical Plan
If you have travelled on your annual policy, refunds are not available. However, if you bought an extension to your Multi Trip Annual policy (for example, you added an extra week to your 10-day annual policy trip length), you may be able to get a refund.
Option 1: Bonus Offer! Travel Insurance Voucher
When you choose a Travel Insurance Voucher for future travel plans instead of a refund, you:
To proceed with a voucher, visit Travel Insurance Voucher.
Option 2: Partial refund
To proceed with a refund, you’ll need to:
For all other requests please contact TuGo Customer Service at 1-855-929-8846 or firstname.lastname@example.org.
Have BCAA Travel Insurance?
Contact BCAA directly.
While there are no partial refunds allowed under our COVID-19 Insurance, a refund request can be submitted under the Emergency medical plan for the unused portion of the trip, provided there are no claims submitted under the medical plan.
Whether you're adventuring abroad or taking a trip to a neighbouring province, travel insurance protects you and your loved ones. Be confident you're covered when dealing with a medical emergency, travel delay or theft.
Some credit cards provide basic travel insurance. However, this coverage is often limited.
Credit card coverage may apply for a limited time period, or be available only up to a certain age. It's often only applicable if the trip is paid for with your credit card.
Provincial healthcare provides limited coverage for medical treatment and hospital costs outside of Canada. Some provincial healthcare plans don't cover expenses like ambulance services, emergency dental treatment and prescription drugs.
Yes, TuGo Travel Insurance covers all ages, but some exclusions might apply depending on your health status. You’ll need to review the policy wording of the insurance you’re interested in buying, talk to your local insurance broker, for more details.
To make sure you're protected, buy insurance before leaving. Your plan should cover your entire trip, including the day you leave and the day you return.
As one of our valued travel insurance customers, you can take advantage of TuGo Telemedicine powered by 1.800MD®, while visiting the US.If you aren’t feeling well and would like to seek medical advice, but don’t think a clinic or hospital visit is necessary, you can use our telemedicine service instead. You’ll be connected with a certified physician, who can provide consultation and a recommended treatment, right over the phone. Read more about our telemedicine service.
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You can buy travel insurance through your local insurance broker or by contacting TuGo’s Customer Service at 1-855-929-8846.
Yes, we do. Family plans are available with certain insurance plans and are an economical choice when travelling with family.
We can help you do that. All you have to do is give our Customer Service team a call at 1-855-929-8846 and we’ll get you sorted.
This depends on your home province and age. Just give TuGo’s Customer Service a call at 1-855-929-8846.
While some definitions may differ between plans, and may not apply to all types of plans, we define deductible as “the portion of eligible expenses you must pay from your own pocket when an eligible claim occurs. For all medical insurance plans (except our Visitors to Canada plan), the deductible applies to the expenses remaining after payment by your provincial or territorial government healthcare plan.”
Yes, TuGo automatically covers sports and activities under the Emergency Medical or Visitor to Canada Emergency Medical plan unless they're listed under our Optional Sports Coverages or as exclusions. Optional Coverages are available for Contact Sports, Adventure Sports and Extreme Sports.
For a complete list of sports and exclusions, you’ll need to review the policy wording of the insurance you’re considering.
Yes, please! If any information has changed, it could impact your coverage. Please call us at 1-855-929-8846 and we'll update your details!
You can cancel most policies before or on the effective date, but may not after. To cancel a policy, please call us at 1-855-929-8846 for more information.