TuGo 加拿大人出境紧急医疗险（年度多次与单次）

Over 35 days Any medical condition which is not stable on or within the 90 days before the date of departure. If you extend your trip and the total trip length (including the extension) exceeds 35 days, the stability for medical conditions is based on your total trip length. 60 years and over All Any medical condition which is not stable

Medical conditions that do not meet the stability criteria set out above are not covered. Travel Within Canada Plans There is no stability requirement for pre-existing medical conditions. Refer to the

Stable A medical condition is considered stable when all of the following statements are true: a There has been no deterioration of the medical condition as determined by a physician or other registered medical practitioner, and b There have been no new symptoms or findings or more frequent or severe symptoms or findings, and c There has been no change in treatment by a physici

Unstable Pre-existing Medical Condition Coverage This Optional Coverage can be purchased as an endorsement to an Emergency Medical Insurance Worldwide or Worldwide Excluding USA plan. Benefits Maximum limit — Up to the Policy limit This coverage does not increase the maximum limits of the Emergency Medical Insurance plan stated in the Pol

Applicable to Insureds 60 Years and Over at the Time of Application If you qualify for the coverage selected but you or a representative purchasing insurance on your behalf have failed to answer truthfully and accurately any question asked in the Medical Questionnaire, any incident claimed will be subject to an extra deductible of $15,000 USD in addition to any other applicable deductibl

Coverage shall be void if purchased after the date of departure from your province/territory of residence or for a trip not originating in Canada unless we authorized it, in which case it will be subject to the waiting period requirements. Top-up If you are co

10-day Full Refund Provision You have 10 days starting from the application date of the Policy to review this Policy to ensure it meets your Insurance needs. A full refund is available provided no travel has taken place and the Policy has not expired. To cancel your Policy, you m

官方未写／未核到（英文摘录待补）

One temporary visit to your province/territory of residence, is permitted during your period of coverage provided the temporary visit is unexpected or beyond your control; your Policy will not terminate, however you will not be covered while in your province/territory of residence. There will be no

Payment to hospitals and other medical providers for emergency medical expenses will be guaranteed where possible relieving claimant of credit responsibilities. 14 Travel arrangements assistance for f

TuGo Telemedicine service Looking for more than just emergen

b Up to a maximum of $700 for dental expenses you incur while on your trip for any dental emergencies other than pain caused by an accidental blow to the face. Treatment must be completed within the 90 days after the treatment beg

官方未写／未核到（英文摘录待补）

官方未写／未核到（英文摘录待补）

Available for all ages as a Single Trip or Multi Trip Annual plan, this travel medical insurance is ideal for Canadian residents travelling

AGE on the application date of the Policy TRIP LENGTH STABILITY PERIOD 59 years and under 35 days or less Any medical condition which is not stable on or within the 7 days before the date of departure. Over 35 days Any medical condition which is not stable on or within the 90 days before the date of departure. If you extend your trip and the total trip length (including the ext

官方未写／未核到（英文摘录待补）

Maximum limit — $10,000,000 We will pay reasonable and customary charges for medical and related expenses up to the cove

官方未写／未核到（英文摘录待补）

We will pay eligible expenses for losses incurred in excess of the amount of the deductible as shown on the Policy declaration, per insured per incident claimed. This deductible applies to the portion of eligible expenses remaining after payment by your provincial or territorial government health ca

官方未写／未核到（英文摘录待补）

官方未写／未核到（英文摘录待补）

官方未写／未核到（英文摘录待补）

Hospitalization services (limited to a semi-private room). Any coverage related to hospitalization terminates upon release from the hospital other tha

The services of a physician. • Ambulance Services The services of a licensed gro

X-ray examinations and diagnostic laboratory procedures when performed at the time of the initial emergency. • Prescription Drugs Up to a ma

Up to a maximum supply of 30 days for prescription drugs. All prescriptions must be issued by a physician and purchased in the 30 days from the initial date of the emergency visit and/or the follow-up

Ambulance Services The services of a licensed ground, air or sea ambulance and paramedics to the nearest hospital. Fire rescue expenses are also covered if a fire rescue team is dispatched in response to your medical eme

Emergency Air Transportation This benefit is payable only when pre-approved and arranged by us At the time of hospitalization, medical air evacuation for return to Canada or medical air evacuation between medical facilities when the first medical facility is n

Repatriation In the event of your death during a trip covered under the Policy benefits, we will pay: a The preparation and return of your body, including the cost of a standard shipping container and one death certificate (excluding the cost of funeral and related expenses or a burial coffin), to y

Up to a maximum of $6,000 for cremation at the place of death (excluding the cost of funeral and related expenses or an urn), including one death certificate and the standard shipping cost to return your ashes to your province/territory of residence; and d Tra

Family Transportation This benefit is payable only when pre-approved by us If an attending physician considers it necessary, we will pay one round trip economy airfare or ground transportation costs for one family member to be with you while you are hospitalized if you are travelling alone; or for one additional family member ot

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Return of Dependent Children This benefit is payable only when pre-approved by us If you are returned to your province/territory of residence under the Emergency Air Transportation Benefit, the Airfare to Return Home for Treatment Benefit or the Repatriation Benefit, we will pay for: a A one-way eco

a Routine pre-natal or post-natal care; or, b Pregnancy, delivery, or complications of either, arising within the 9 weeks before the expected date of delivery or within the 9 weeks after. 9 Your child born during the trip, except as specified under the Unexpected Birth of a Child benefit. 10 Your voluntary termination of pregnan

unless you have paid the applicable surcharge(s) for the Sports & Activities Coverage as shown on your Policy declaration: • Backcountry skiing/snowboarding • Mixed martial arts • Base jumping • Mountaineering over a 6,000-metre elevation • Boxing • Downhill freestyle skiing/ snowboarding in organized competitions • Downhill mountain biking • Hang gliding/paragliding • High risk motorize

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High risk motorized speed activities • High risk snowmobiling and motorized snow biking • Ice climbi

13 a Any medical condition, including symptoms of withdrawal, arising from, or in any way related to, your chronic use of alcohol, drugs or other intoxicants whether prior to or during your trip. b Any medical condition arising during your trip from, or in any way related to, the misuse or abuse of drugs or other intoxicants, or to the use or abuse of alcohol when you have reached a bloo

20 An official travel advisory issued by a Canadian government stating to “avoid all travel” or “avoid non-essential travel” regarding the country, region or city of your destination, before the effective date of the Policy or the date you travel to that destination (including any stopovers, layovers or any other destinations you are transiting through). To view the travel advisories, vi

13 Non-emergency, experimental or elective treatment or procedures (including but not limited to ongoing care, chronic care, rehabilitation or check-ups) and their related complications. 14 a Cosmetic surgeries, procedures and/or

You can extend your period of coverage before your Policy expires by calling your agent or us during business hours. Please refer to Contact Information on page 1. An administration fee may be charged in addition to the premium for the additional number of days required. You must meet the following conditions: Applicable to All Coverages 1 You have not submitted a claim and have no intent to

官方未写／未核到（英文摘录待补）

COVID-19 We will pay up to the Policy limit or as specified under each benefit limit in this plan for expenses incurred due to COVID-19. Coverage is provided if, before your date of departure, you are travelling in accordance with all federal travel vaccine requirements issued by the Government of C

Multi Trip Annual This Policy begins at 12:01 AM on the effective date of the Policy and continues in force for a period of one year from the effective date of the Policy. You may travel as many times as you wish during the period of coverage provided that no one trip exceeds the maximum number of days as specified and

官方未写／未核到（英文摘录待补）

Any medical and related expenses in excess of $50,000, if you are not covered by a provincial or territorial government health care plan at the time your claim occurred. 23 A medical condition for which symptoms arose or worsened

you can purchase this Insurance as a top-up Policy to cover the remaining duration of your trip. However, you should verify with that provider that they allow their coverage to be topped-up by another insurance provider as they may void or restrict coverage if you don’t extend or top-up with them. 1 2 3 When this Policy is purchased before departure to top-up another emergency medical in

For policies providing Emergency Medical coverage for travel worldwide excluding USA, coverage is limited to travel outside the USA except for: a Flight stopovers or flight layovers in the USA up to 48 hours; or, b Transit through the USA by car, van, truck, recreational vehicle, motorcycle, bus or train for up to 5 days to your