Snow Bird Emergency Medical Insurance

Dreaming of relaxing on a tropical beach with your favorite book, taking the grand-kids to Europe or driving your RV south to avoid the Canadian winter? Whatever your dreams, do not let medical costs hold you back. If you get sick or injured, TuGo will take care of you. More than just paying the bills, TuGo will coordinate with medical staff to get you the best treatment possible, wherever you are in the world.

Optional Coverages

Baggage Insurance

Available as an add-on optional coverage to a Single Trip plan or package, Baggage Insurance plan is ideal for Canadian residents traveling outside of their home provinces.

• Payment for lost, damaged, destroyed, or stolen baggage and personal effects, anywhere in the world, on water, land, or in the air
• Coverage for stolen currency due to theft or robbery, up to the benefit limit
• Payment for personal necessities if your baggage is delayed, up to the benefit limit

PRE-EXISTING CONDITION COVERAGE

Worldwide and Worldwide Excluding USA Plans

In addition to the Emergency Medical Insurance Exclusions below and to the General Exclusions shown on page 42, the company will not be liable to provide coverage or services, or to pay claims for expenses incurred directly or indirectly as a result of any pre-existing condition, except as follows:

Applicable to Insureds 59 Years and under (on the application date)

1. On trips 35 days or less, except for any condition or symptom (other than a minor ailment):
   1. That arose or worsened on the date of departure or at any time within the 7 days before the date of departure; or,
   2. For which medical treatment was obtained on the date of departure or at any time within the 7 days before the date of departure; or, Emergency Medical Insurance 12 13
   3. That developed before departure and was undiagnosed at the time of departure.
2. On trips over 35 days, any condition which has remained stable in the 90 days before the date of departure.

If you extend your trip and the total trip length (including the extension) exceeds 35 days, paragraph b) applies.

Applicable to Insureds 60 to 74 Years (on the application date)

On all trip lengths, any pre-existing condition which has remained stable in the 180 days before the date of departure.

Applicable to Insureds 75 Years and Over (on the application date)

On all trip lengths, any pre-existing condition which has remained stable in the 365 days before the date of departure.

If you purchased this Policy to top-up any other insurance plan, the stability for pre-existing conditions is based on your total trip length.

Pre-existing conditions that do not meet the criteria set out above are not covered.

Refer to the following definitions: accident and injury, alteration, medical treatment, minor ailment, pre-existing condition, sickness and stable.

Exclusions

In addition to the General Exclusions shown on page 42, the company will not be liable to provide coverage or services, or to pay claims for expenses incurred directly or indirectly as a result of:

1. Any medical treatment, recurrence or complications related directly or indirectly to a sickness or injury which was diagnosed or for which symptoms first occurred, or medical treatment was received after the date of departure but prior to the effective date of this Insurance, unless this Policy is purchased to top-up any other insurance plan.
2. A medical condition for which symptoms were present or medical treatment was received during a temporary visit to your home province during the period of coverage or any condition wholly or partly, directly or indirectly, related thereto.
3. Any expenses incurred as a result of sickness that originated or was symptomatic during the waiting period.This exclusion does not apply when this Policy is purchased to top-up any other insurance plan.
4. A trip that is undertaken against a physician’s advice.
5. A trip that is undertaken after the diagnosis of a terminal condition.
6. Conditions or any related conditions for which, prior to departure, testing or investigation took place, was scheduled to take place or was recommended (not including tests for routine check-up or routine monitoring for a medical condition), and for which results had not yet been received at the time of departure.This includes tests or investigation that were recommended or scheduled prior to departure, but had not yet taken place at the time of departure.
7. Tests and investigation except when performed at the time of initial emergency sickness or injury.
8. Any condition(s) for which you are registered on a waiting list in Canada for treatment or diagnosis.
9. Any medical treatment, other than continuous treatment as specified in the Dental Services Benefit, which is a continuation of or subsequent to an emergency sickness or accident during the same trip, including its recurrence or any complications related directly or indirectly thereto, unless you are declared by an attending physician medically unfit to return to your home province because the emergency had not ended.
10. Expenses incurred once the emergency ends and in the opinion of the attending physician or dentist, you are able to travel to your home province for any further treatment relating to the sickness or accident that led to the emergency (other than specified under the Follow-up Visit Benefit).
11. Loss, theft or breakage of prescription glasses, contact lenses, prosthetic devices, hearing aids and dentures.
12. Expenses incurred after emergency air transportation, when the emergency air transportation was not arranged by Claims at TuGo.
13. Expenses incurred and trips when coverage is purchased after departure, unless authorized in advance by TuGo.
14. Any eligible 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 of your
15. Emergency sickness or injury incurred if you choose to travel to a destination after a formal written travel advisory and/or travel warning has been issued by Global Affairs Canada or Public Health Agency of Canada (PHAC) recommending that you avoid all or non-essential travel to that destination during your This exclusion applies if the advisory/warning is issued before the date you leave for your trip and the expenses are directly or indirectly caused by the reason for the travel advisory/warning.
16. Your coaching, teaching, participating, practicing or training for any of the sports listed in the optional Contact Sports Coverage, the optional Adventure Sports Coverage or the optional Extreme Sports Coverage.If you have purchased the optional Contact Sports Coverage, the optional Adventure Sports Coverage or the optional Extreme Sports Coverage, refer to those section headings.

Conditions, limitations and exclusions apply. See policy for details.