TuGo Emergency Hospital/Medical Insurance Plans for Canadians

TuGo 外出緊急住院和醫療保險計劃

根據加拿大各省居民醫療保障計劃的規定,由於疾病或意外所產生的省外或境外醫療費用,政府醫療計劃僅保障極少的部分。沒有出外旅遊的醫療保險,任何很小的意外如食物中毒、齲齒或闌尾炎都能夠很容易把你兩週假期的預算消耗掉。甚至一天美國過境游都能夠很快轉變成醫療和財務上的惡夢,因為很多的美國醫院在你沒有足夠的醫療保險或現金的情況下,不會給你進行治療。 TU出加旅遊緊急醫療保險給你提供最好出外旅遊的保障。

投保資格

申請人須滿足以下條件:
1、在申請購買保單時,受保人年齡在89以下(60—89歲須填寫調查問卷來確定保費);
2、必須是加拿大居民,並且有居住地省份或地區的政府醫療計劃;

 

計劃特點

Plans available Annual
• Multi trip worldwide
• Multi trip within Canada
Single
• Worldwide
• Worldwide excluding USA (includes up to 5 days transit coverage in USA)
• Within Canada
Pre-existing conditions coverage59 years and under
• No stability period for trips of 35 days and less *
• 90-day stability period for trips over 35 days
60 to 74 years
• 180-day stability period for all trip lengths
75 to 89 years
• 365-day stability period for all trip lengths
* Conditions and / or symptoms which arose or worsened on the date of departure, or at any time within the seven days prior to the date of departure, other than a minor ailment, will not be covered.
DeductibleAutomatic $ 250 deductible; buy-out option available or other deductible options up to $ 100,000 for premium discount
One temporary visit to home province during a single trip Includes up to a maximum of 10 days
Family rateAvailable up to age 59; includes grandparents and grandchildren as well as children up to age 21 or 25 if full-time students; no age limit if children are mentally / physically handicapped
SubrogationNo subrogation against any employment plans with a lifetime maximum limit of $100,000 or less

 

承保內容

Key BenefitsMaximum Limit
Maximum liability$5,000,000
Emergency medical treatment• Emergency medical treatment for sickness or injury whether in-patient or out-patient care
• Services of physician, surgeon, anaesthetist, registered graduate nurse
• Private duty nursing
• X-rays and laboratory services
• Rental of essential medical appliances
AmbulanceYes, including paramedics or taxi in lieu
Prescription drugsLimit of a 30-day supply
Professional medical services• Up to $500 per practitioner including a licensed physiotherapist, chiropractor, chiropodist, osteopath, podiatrist and optometrist
Dental• Up to $4,000 for accident
• Up to $500 for any other dental emergencies
Hospital allowance$50 per day to a maximum of $500 for incidental hospital charges
Emergency air transportationUp to policy limit; includes cost of air ambulance, stretcher fare or one-way economy airfare, medical attendant or travelling companion, seat upgrade when medically necessary (for insured and attendant or travelling companion)
Return of excess baggageUp to $200, provided there was no room aboard and when the insured is returned to the home province under the Emergency Air Transportation Benefit or Repatriation Benefit
Return of travelling companionA one-way economy airfare back to the departure point if the insured is returned home for medical reasons
Escort of children/grandchildrenUp to age 21 or 25 if full-time student; no age limit for mentally/physically handicapped
Repatriation• Up to $10,000 for repatriation (excluding cost of coffin)
• Up to $4,000 for burial/cremation at place of death (excluding cost of burial coffin or urn)
• Transportation costs for one family member to identify the body and up to $150 per day for meals and
accommodation to a maximum of five days; the family member will also be covered as an insured for a maximum
of five days
Family transportationOne economy return airfare or ground transportation costs and up to $150 per day for out-of-pocket expenses
Out-of-pocket expensesUp to $400 per day to a maximum of $4,000 when insured or travelling companion is hospitalized on the date scheduled to return to the home province or when transferred to a different hospital in another city for emergency medical treatment
Return of vehicleUp to $4,000
Return to your destinationOne-way economy airfare by the most direct route to return to the insured’s original trip destination following a return to their home province under the Emergency Air Transportation Benefit
Return of accompanying dog or catUp to $300

 


保費($/天)

(The rates below have deductible $250. The total premimu per policy must be $15 or greater.)


全球旅遊(不包括美國) 

年齡旅 行 天 數
0-65天66-125 天126-182*天183-365天延期
每 天 費 率
0-402.042.392.752.752.75
41-552.672.873.093.093.09
56-593.093.423.763.763.76
家庭計劃(基於家庭成員中最長者)
0-404.084.795.495.495.49
41-555.345.756.186.186.18   
56-596.186.847.527.527.52

The insured age 60 and over for invidual rates should fill questionaire and chooses the rate category( quesiotnaire form and relative rate availble at the attachment)

 

全球旅遊(包括美國) 

年齡旅 行 天 數
0-65 天66-125 天126-182*天183-365天延期
每 天 費 率
0-402.292.663.043.043.04
41-552.983.203.423.423.42
56-593.423.804.184.184.18
家庭計劃(基於家庭成員中最長者)
0-404.585.316.096.096.09
41-555.956.416.846.846.84
56-596.847.598.378.378.37

*212 days in Ontario. The insured age 60 and over for invidual rates should fill questionaire and chooses the rate category( quesiotnaire form and relative rate availble at the attachment)

 

加拿大境內游

年齡旅 行 天 數
0-65 天66-125 天126-182*天183-365天延期
每 天 費 率
0-400.680.800.910.910.91
41-550.890.961.031.031.03
56-591.031.141.251.251.25
60-641.051.371.48n/a1.48
65-691.251.571.94n/a1.94
70-741.872.272.55n/a2.55
75-792.963.193.65n/a3.65
80-845.035.265.94n/a5.94
85-896.407.547.76n/a7.76
家庭計劃(基於家庭成員中最長者)
0-401.381.601.461.821.82
41-551.791.931.642.052.05
56-592.052.282.002.512.51

*212 days in Ontario         

 

理賠

在緊急醫療情況下,公司提供一天24小時,一周7天不同語言的服務:
在加拿大&美國:1-800-663-0399
墨西哥:001-800-514-9976
在北美以外(collect):800-663-0399its

                  

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The language in this summary may not be the same as the legal and technical terminology found in the official policy wording. In all instances, the official policy wording  will prevail. For complete details, refer to the policy wording, which is available in the attachment of every plan's page in our website.