TUGO Student Insurance 2020

PRICING FACTORS:

Factor	Details
Coverage Options:	The Pre-existing medical condition stability period is 90 days prior to effective date
Plans Available:	Single Trip Coverage for both Inbound to Canada and Canadian students studying abroad
Changes Prior to Effected Date:	Dates can be changed up until Effective Date Policies can be cancelled up until Effective Date No change or cancellation fees
Refunds for Returning Early:	Subject to no claims being made against your policy Subject to a Administration Fee Refund amount minimum $10 per Policy Must supply MQIB with Proof of Return

 

BENEFIT HIGHLIGHTS:

For a Full List of Benefits Click Here

Benefit	Details
Overall Maximum:	Up to $2 Million
Emergency Medical Coverage:	For accidents, injury or sickness – coverage Includes ambulance transportation, hospital accommodation and care, diagnostic testing, physician and nursing services, surgery, medical supplies, equipment and medication
Pre-Existing Medical Conditions:	Covered if your condition meets the “stable and controlled” requirements of the plan you qualify under for all of those benefits
Emergency Return Home:	If your treating physician(s) insurance company’s medical advisor(s) recommends that you return home because/after of your emergency
Repatriation of Remains:	UP to $25,000 to have the remains returned if you should pass away while you are away.
Maternity:	Up to $25,000 if pregnancy commenced during period of coverage
Accidental Dental Coverage:	Up to $5,000 if you suffer an accidental blow to the mouth Up to $600 if you require relief of dental pain Up to $150 for impacted wisdom tooth
Annual physician visit:	Up to $150 for one check-up or one consultation session and prescription of the ‘morning a¬ er pill’ per 12 months period (if 365 days are purchased)
Eye examination:	One visit per 12 months period.
Psychological/Psychiatric:	Up to $1,000 for visits to a physician, psychiatrist or psychologist Up to $10,000 for hospitalization
Automatic Extension:	Up to 72 hours due delay of Common Carrier If you deemed not medically stable to travel by the Insurance company
Please Note:	All benefits must be pre-approved by the insurance company by calling the phone number provided on the confirmation of insurance/Wallet Card provided upon the purchase of the policy. In an emergency and prior to seeking medical assistance it is extremely important that you call the insurance company assistance centre phone number located on your wallet card before seeking treatment, or as soon as you are physically able.

 

For a Full List of Benefits Click Here

Policy Wording
The Policy Wording has a full explanation of the benefits available and the exclusions as they apply to all travelers. We strongly recommend you take the time to read through it and let us know if you have any questions or concerns. The policy wording for this plan can be found under the policy documents section near the top of the page as well as the links below. We have linked each section to the specific page the the section starts on to make it easier for you.
Eligibility – Starts on page 5- Click Here Types of Plans Offered – Starts on page 5 – Click Here Beginning and End of Coverage – Starts on page 5 – Click Here Extensions – Starts on page 11 – Click Here Cancellation and Refunds – Starts on page 8 – Click Here Benefits – Starts on page 6 – Click Here Exclusions and Limitation – Starts on page 7 – Click Here Claim information – Starts on page 14 – Click Here General Provisionss – Starts on page 10 – Click Here Definitions – Starts on page 11 – Click Here

Underwritten by TUGO Insurance Corporation

Premium in Canadian Dollars

Read your policy and know what you have purchased before you depart on your trip.

This page contains only a consolidated and summary description of all current benefits, conditions, limitations and exclusions. A Policy Document containing the complete Policy Wording with all terms, conditions and exclusions will be included in the fulfillment kit.

Your Best Insurance Plan Starts with Medi-Quote

We’re insurance brokers, which means we’ll shop around on your behalf to find the right plan for your specific needs at the best possible price. We aren’t tied to specific products or motivated by sales incentives, so it’s your best interests we serve. We’re available to you anytime, if you have questions or need assistance making a claim.