TUGO Student Insurance 2020

Plan Highlights

  • Coverage for Students and Dependents while studying abroad.

  • Coverage for students participating in school athletics.

  • Students attending Aviation School looking for coverage for flying.

  • $10,000 in Accidental Death or Dismemberment coverage.

  • Annual Medical and eye Examinations(subject to terms and conditions).

Policy Documents

Policy Wording



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



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.
  • 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.
  • 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.

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.

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