TuGo Student Insurance

TuGo^® Student Insurance provides comprehensive health and travel coverage for students studying outside their home country or province. It covers both Canadian students going abroad (outbound) and international students arriving in Canada (inbound) — situations where provincial health plans either don’t apply or aren’t accessible. The plan is underwritten by Industrial Alliance Insurance and Financial Services Inc. and is available through OnVoyage, a licensed insurance broker.

Why Students Need TuGo Insurance

Most educational institutions require proof of medical insurance before enrollment. Canadian provincial health plans provide limited or no coverage outside your home province, and international students are generally ineligible for provincial health coverage entirely. A single emergency room visit or hospitalization in Canada can cost thousands of dollars without private insurance. TuGo Student Insurance fills this gap with up to $2,000,000 in coverage.

Outbound: Canadian Students Studying Abroad

For Canadian students enrolled in a program outside Canada, and eligible family members (legal/common-law spouse, parents, siblings, unmarried dependent children up to age 21) residing with the student. Coverage continues during school breaks and travel worldwide is covered regardless of how much time the insured spends in their province or country of study.

Eligibility

1. You are 40 years of age or under at the time of application (accompanying family members also up to 40 years)
2. You are enrolled in a school or program outside Canada, or are an accompanying family member residing with the student
3. You are insured or eligible for benefits under a Canadian provincial/territorial government health care plan
4. You are not travelling against a physician’s advice and have not been diagnosed with a terminal condition

Inbound: International Students Studying in Canada

For international students enrolled at a Canadian institution, and eligible family members (legal/common-law spouse, parents, siblings, unmarried dependent children up to age 21) residing with the student. Coverage continues during school breaks. Travel worldwide is covered provided the insured intends to spend the majority of their time in Canada.

Eligibility

1. You are 69 years of age or under at the time of application (accompanying family members up to 59 years)
2. You are enrolled in a school or program within Canada, or are an accompanying family member residing with the student
3. You are not insured under a provincial or territorial government health care plan
4. You are not travelling against a physician’s advice and have not been diagnosed with a terminal condition

Benefits

• Maximum coverage limit: $2,000,000
• Emergency medical treatment (up to the policy limit):
  • In-patient or out-patient care
  • Services of a physician
  • Diagnostic tests and laboratory services
  • Rental or purchase of essential medical appliances
  • Private duty nursing — up to $20,000
• Ambulance — up to the policy limit for ground, air or sea ambulance, or taxi in lieu
• Follow-up visits — up to 5 visits within 14 days of initial emergency treatment
• Prescription drugs — up to a 30-day supply following an emergency
• Other professional services:
  • Outbound: Up to $600 per incident per practitioner (physiotherapist, chiropractor, chiropodist, osteopath, podiatrist, acupuncturist, naturopath, speech therapist); up to $1,000 combined per incident for mental health practitioners (psychiatrist, psychologist, clinical counsellor, psychotherapist, nurse psychotherapist, social worker)
  • Inbound: Up to $1,000 per incident per practitioner (same physical health practitioners); up to $2,000 combined per incident for mental health practitioners
• Mental & emotional condition coverage — covered up to the policy limit for in-patient services; out-patient and related services (ambulance, prescriptions, repatriation, rehabilitation) also covered
• Rehabilitation treatment — up to $250/day to a maximum of 7 days for emergency treatment in a rehabilitation facility, when medically necessary after hospitalization
• Fracture treatment — up to $1,000 (includes x-rays, casting, re-casting, cast removal)
• Dental accidents — up to $6,000; up to $600 for other dental emergencies (treatment must be completed within 90 days)
• Impacted wisdom teeth — up to $150 per tooth
• Maternity — up to $25,000 for pre-natal care, complications within 9 weeks before/after the expected due date, and involuntary termination of pregnancy
• Annual physician visit — up to $150 for a general check-up or immigration medical examination (including preventative screening tests)
• Sexually transmitted infection testing — up to $100
• Inbound only: Vaccination and tuberculosis testing — up to $150
• Emergency air transportation — up to the policy limit, including a qualified medical attendant and airline seat upgrade if medically required
• Airfare to return home for treatment — up to one-way economy airfare to return to the country of permanent residence for immediate treatment (treatment must be required within 10 days of returning home)
• Eye examination — one visit to an optometrist or ophthalmologist
• Prescription glasses / contact lenses / hearing aids — up to $200 if required because of an accident or injury (includes cost to repair existing eyewear or hearing aids)
• Expenses related to death:
  • Outbound: Up to $35,000 for preparation and return of the body; up to $6,000 for burial or cremation at the place of death; up to $5,000 for transportation for one family member to identify the body, plus up to $400/day (max $2,000) for their meals and accommodation
  • Inbound: Up to $25,000 for preparation and return of the body; up to $15,000 for burial or cremation at the place of death; up to $5,000 for transportation for one family member to identify the body, plus up to $400/day (max $2,000) for their meals and accommodation
• Family transportation — up to $5,000 for round-trip economy airfare for a family member or friend to be at bedside; up to $400/day to a maximum of $2,000 for out-of-pocket expenses
• Return of vehicle — when the insured is not medically fit to drive:
  • Outbound: Up to a one-way economy airfare plus gas, meals and accommodation for a family member or friend to pick up and return the vehicle
  • Inbound: Up to $1,000 for a commercial agency to return the vehicle, or one-way economy airfare plus expenses for a family member or friend
• Tutorial services — up to $400 ($20/hour) when hospitalized for 30 consecutive days or more
• Accidental death and dismemberment — up to $10,000

Pre-Existing Medical Conditions

A 90-day stability period applies for pre-existing medical conditions before the effective date of the policy (for both outbound and inbound plans).

Optional Coverage

• Accidental Death & Dismemberment — Increases AD&D limits to: air flight/common carrier up to $100,000; 24-hour accident up to $25,000.

Key Exclusions

TuGo Student Insurance does not cover:

• Travel against a physician’s advice or with a terminal diagnosis
• Unstable pre-existing conditions
• Elective procedures or cosmetic surgery
• Injuries from professional or semi-professional sporting activities
• Pregnancy beyond 31 weeks (except as covered under the maternity benefit)

Claims & Emergency Assistance

TuGo’s 24/7 Emergency Assistance Center is available around the clock. Contact them before seeking non-emergency treatment:

• Canada & USA: 1-800-663-0399
• Worldwide (collect): 604-278-4108

Submit claims within 90 days of service at tugo.com/claims.

Frequently Asked Questions

What is the difference between the outbound and inbound plans?

The outbound plan covers Canadian students enrolled in a school or program outside Canada. The inbound plan covers international students enrolled at a Canadian institution who are not covered by a provincial health care plan. Both plans provide up to $2,000,000 in emergency medical coverage.

Is there an age limit?

Yes. Outbound (Canadian students): 40 years of age or under. Inbound (international students): 69 years of age or under. Accompanying family members have separate age limits.

Does TuGo Student Insurance cover mental health?

Yes. Mental and emotional conditions are covered up to the policy limit for in-patient services. Out-patient mental health services are also covered — including visits to psychiatrists, psychologists, clinical counsellors, and psychotherapists.

Can family members be added to the policy?

Yes. Eligible family members residing with the student — including a legal or common-law spouse, parents, siblings, and unmarried dependent children up to age 21 — can be included under the same policy.

Are pre-existing conditions covered?

Stable pre-existing conditions are covered subject to a 90-day stability period before the policy effective date. This applies to both outbound and inbound plans. Unstable pre-existing conditions are excluded.

Does coverage continue during school breaks?

Yes. Coverage is maintained during school breaks. Outbound students are covered worldwide regardless of time spent in their home province. Inbound students are covered worldwide provided they intend to spend the majority of their time in Canada.