policy For International Students Student TuGo Insurance ® About us North American Air Travel Insurance Agents Ltd. doing business as TuGo® is a licensed insurance agency in all Canadian provinces and territories. TuGo is a third-party administrator of travel insurance products and services. We develop and administer a variety of travel insurance plans for Canadian business and leisure travellers, visitors to Canada and international students. OneWorld Assist Inc. doing business as Claims at TuGo® is our claims and assistance provider and performs all assistance services and administers claims on our behalf under this policy. Claims at TuGo provides ISO 9001:2015 certified service. At TuGo, our mission is to help travellers have better experiences. TuGo specializes in products and services that enhance and enable travel. Founded in 1964, TuGo understands its customers’ needs and is driven to provide top-rated service how, when and where its customers want it. Our address is 1200-6081 No.3 Road, Richmond, BC V6Y 2B2 Canada. TuGo is a proud member of The Travel Health Insurance Association (THIA). Travel insurance is designed to give all travellers the ability to protect themselves against unexpected medical costs and other expenses associated with the cancellation, interruption or delay of travel arrangements. The Travel Health Insurance Association (THIA) has developed a Travel Insurance Bill of Rights and Responsibilities to ensure travellers know what to expect from their travel insurance policies along with responsibilities they have when purchasing travel insurance. The Travel Insurance Bill of Rights and Responsibilities builds upon the following golden rules of travel insurance: • Know your health • Know your policy • Know your trip • Know your rights For more information, visit thiaonline.com/Travel_Insurance_ Bill_of_Rights_and_Responsibilities.html IMPORTANT NOTICE – READ CAREFULLY BEFORE YOU TRAVEL You have purchased a travel insurance policy – what’s next? We want you to understand (and it is in your best interests to know) what your policy includes, what it excludes, and what is limited (payable but with limits). Please take time to read through your policy before you travel. Italicized terms are defined in your policy. • Travel insurance covers claims arising from sudden and unexpected situations (i.e. accidents and emergencies and typically not follow-up or recurrent care). • To qualify for this insurance, you must meet all of the eligibility requirements. • This insurance contains limitations and/or exclusions (i.e. pre-existing medical conditions that are not stable, pregnancy, excessive use of alcohol, high risk activities). • This insurance may not cover claims related to pre-existing medical conditions, whether disclosed or not at time of policy purchase. It is your responsibility to review the pre-existing medical condition exclusions and stability requirements, understand how they apply to you and how they relate to your departure date, date of purchase and/or effective date. • In the event of a claim, your prior medical history may be reviewed. IT IS YOUR RESPONSIBILITY TO UNDERSTAND YOUR COVERAGE. IF YOU HAVE QUESTIONS, CONTACT US OR VISIT tugo.com. PLEASE READ YOUR POLICY CAREFULLY BEFORE YOU TRAVEL. This policy contains a provision removing or restricting the right of the insured to designate persons to whom or for whose benefit insurance money is to be payable. All words in italics have a specific meaning with a corresponding definition. Refer to the Definitions section on page 24 for details. Introduction Thank you for choosing TuGo. Be sure to review your policy wording and your Policy declaration before you travel. These documents also have important contact information if you need emergency assistance or want to extend your coverage while you’re away. In case you don’t have access to the internet while travelling, we recommend that you save or download a copy of this policy wording before leaving on your trip. Or alternatively, you can print the Contact Us section of this policy wording. For printing instructions, see below. Before you go, take note of these exclusive services: TuGo Telemedicine powered by Maple Online doctor visits anytime, anywhere in Canada! From your smartphone, tablet, or computer, connect directly with a Canadian-licensed doctor who can diagnose and treat common medical issues. Then, if applicable, pick up your prescription at a local pharmacy or get it delivered at no additional cost. Visit getmaple.ca/tugo and enter your TuGo policy details to create your account. Note: You’ll need to pay for prescriptions upfront, but will be reimbursed by Claims at TuGo. If you have a deductible on your policy, it won’t apply to the online visit or to the resulting prescription expenses. * TuGo Telemedicine powered by Maple is only available with Student Insurance – For International Students. Subject to policy terms and conditions. myTuGo® Login to mytugo.com to modify or extend your Policy. You can also find assistance using our Clinic Finder, open a claim online or manage an existing one, download forms, as well as check your claim’s status. TuGo® Wallet app For quick access to our emergency medical assistance phone numbers while travelling, download the “TuGo Wallet” app to your phone or tablet. More details at https://www.tugo.com/en/tugo-wallet/. Printing instructions: To reduce the number of pages, configure your print setup to landscape orientation and select 2-sided printing with 2 pages per sheet or “booklet printing”. If you only need to print certain pages, you can choose to just print the current page in view, or a range of pages (i.e. 1-4, 1-10, etc.). Safe Travels! Table of Contents Contact Information 1 10-day Full Refund Provision 3 Insuring Agreement 3 Eligibility 3 Enrollment and Coverage Provisions 5 Period of Coverage 6 Plans Emergency Medical Insurance 7 Optional Coverage Accidental Death and Dismemberment Insurance 16 General Exclusions Applicable to All Coverages 17 General Conditions Applicable to All Coverages 21 Authorized Extensions 23 Definitions 24 Statutory Conditions 30 Privacy 32 How to Claim 33 International Assistance Services 34 1 Contact Information Contact us anytime by phone or online at https://www.tugo.com/en/company/contact-us/. Dialing instructions vary by country. We recommend that you save or download the policy wording or print a copy of this page and the international access codes on page 2 before you leave on your trip. Our global toll-free service from outside North America and Mexico listed below may not be accessible from all countries. We also accept collect calls, but many countries have discontinued this service. Alternatively, you can call us direct at +1-604-278-4108 and we’ll reimburse the charges incurred for making this call. Claims/Hospitalization In the event of hospitalization, call us immediately: From Canada & USA Outside N. America & 1-800-663-0399 Mexico (global toll-free)* 800-663-00399 From Mexico 001-800-514-9976 or Worldwide (collect)** 800-681-8070 604-278-4108 Notice to Insured, Physicians & Hospitals In the event of a medical emergency due to a medical condition which may require or result in hospitalization, contact us as soon as possible. Customer Service and Policy Extensions During Business Hours To extend your period of coverage while travelling or to speak with Customer Service, simply call us: From Canada & USA Outside N. America & 1-855-929-8846 Mexico (global toll-free)* 800-663-00399 From Mexico 001-800-514-9976 or Worldwide (collect)** 800-681-8070 604-276-9900 *To use the global toll-free service from outside North America and Mexico, dial the international access code shown on page 2 for the country you’re in, then enter our 11-digit toll-free number (for example, if you are in Australia, dial 0011 + 800-663-00399). **To call us collect, contact the local operator, and let them know you’d like to make a collect call to Canada and provide our number: • For policy extensions and customer service, call 604-276-9900 • For claims and hospitalizations, call 604-278-4108 2 International Access Codes This list of access codes is not comprehensive. Codes may not be available from certain phone providers and are subject to change. For the most up-to-date list of access codes, please use the TuGo® Wallet app or visit tugo.com/claims. Argentina 00 Latvia 00 Australia 0011 Luxembourg 00 Austria 00 Macau 00 Belarus 810 Malaysia 00 Belgium 00 Netherlands 00 Brazil 0021 New Zealand 00 Bulgaria 00 (Aotearoa) China 00 Philippines 00 Colombia 005 Poland 00 Costa Rica 00 Portugal 00 Cyprus 00 Russia 810 Czech Republic 00 Singapore 001 Denmark 00 Slovenia 00 Estonia 00 South Africa 00 Finland 990 South Korea 001 or 002 or 008 France 00 Spain 00 Germany 00 Sweden 00 Hong Kong 001 or 006 Switzerland 00 Hungary 00 Taiwan 00 Iceland 00 Thailand 001 Ireland 00 United Kingdom 00 Israel 00 or 014 Uruguay 00 Italy 00 Japan 010 or 0061+010 or 001+010 or 0033+010 3 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. If the Policy is purchased after arrival in Canada, this provision does not apply. To cancel your Policy, you must contact your agent or us during business hours. The request must be received no later than 10 days starting from the application date of the Policy. Other refunds may be available, please refer to the Refunds section of the plan you have purchased. Insuring Agreement You will become insured once you have: a Completed the online application, provided by us or your agent; and, b Paid the premium in full for the selected coverages; and, c Received a policy number and Policy declaration. This policy wording along with your Policy declaration become your insurance contract. We will provide Insurance for the coverages you have selected and paid for according to the terms and conditions as detailed in this policy wording. Refer to each applicable plan or optional coverage for details on the coverages you have purchased insurance for. Unless otherwise stated, all the limits of Insurance under each benefit are aggregate limits per insured, per Policy, to a maximum of 365 days (including extensions). Eligibility Applicable to International Students You are eligible for coverage if: 1 At the time of application: a You are 69 years or under; and, b You are not travelling against a physician or other registered medical practitioner’s advice; and, c You have not been diagnosed with a terminal condition; and, d You are not receiving palliative care or palliative care has not been recommended; and, 2 On the effective date of the Policy, you are a full-time or part-time international student enrolled in a school in Canada. Coverage will be void if you are not a full-time or part-time international student enrolled in a school in Canada on the effective date of the Policy. 4 Applicable to Family Members of International Students You are eligible for coverage if: 1 At the time of application: a You are at least 15 days old; and, b You are 59 years or under; and, c You are not travelling against a physician or other registered medical practitioner’s advice; and, d You have not been diagnosed with a terminal condition; and, e You are not receiving palliative care or palliative care has not been recommended; and, f You are a family member of someone who meets eligibility criteria no. 1 as specified in the section entitled Eligibility, sub-heading Applicable to International Students; and, 2 On the effective date of the Policy: a You are a family member sharing living accommodations with an international student who is either insured under a TuGo Student Insurance Policy for International Students or meets the eligibility requirements for a TuGo Student Insurance Policy for International Students; and, b The international student you are sharing living accommodations with is enrolled full-time or part-time as an international student in a school in Canada. Coverage will be void if the international student is not enrolled full-time or part-time in a school in Canada on the effective date of the Policy. Applicable to International Students and Family Members You can purchase a TuGo Student Insurance Policy for International Students even if you are already covered by a government health care plan or any other insurance plan. If you are covered by another plan at the time of a claim, this Insurance will be excess to any other plan. 5 Enrollment and Coverage Provisions Refer to the Definitions section for details on the definition of enrolled, family member, international student, school and studies. Applicable to International Students 1 You do not need to be enrolled in a school in Canada on the application date of the Policy. 2 The application date of the Policy can be up to 365 days before the effective date of the Policy. 3 You must be an international student enrolled in a school in Canada on the effective date of the Policy. 4 If you do not start participating in your studies at a school in Canada within the 60 days after the effective date of the Policy, your coverage will end 60 days after the effective date of the Policy. Refer to the Period of Coverage section for details. 5 If you stop participating in your studies at a school in Canada during your policy term or if you become no longer enrolled in the school after you started your studies, coverage will end 60 days after the date you stop participating in your studies or 60 days after the date you are no longer enrolled in the school, whichever is earlier. Refer to the Period of Coverage section for details. 6 Coverage is not available if you are attending language programs for immigration purposes, including but not limited to francisation programs. Refer to the definition of enrolled for details. Applicable to Family Members of International Students 1 If the international student does not start participating in their studies at a school in Canada within the 60 days after the effective date of the Policy, your coverage will end 60 days after the effective date of the Policy. Refer to the Period of Coverage section for details. 2 If the international student stops participating in their studies at a school in Canada during your policy term or if the international student becomes no longer enrolled in the school after they started their studies, your coverage will end 60 days after the date the international student stops participating in their studies or 60 days after the date they are no longer enrolled in the school, whichever is earlier. Refer to the Period of Coverage section for details. 3 You must share living accommodations with the international student for the duration of your policy term. Coverage will end on the date and time you stop sharing living accommodations with the international student. Refer to the Period of Coverage section for details. 6 Period of Coverage Coverage begins on the effective date of the Policy as indicated on your Policy declaration, which must be on or after the application date of the Policy. The effective date can be either: 1 The date you leave your country of permanent residence for direct travel to Canada (direct travel includes stopovers and layovers while in transit), provided the direct travel does not exceed 48 hours; or, 2 The date you arrive in Canada; or, 3 Any date after you arrive in Canada. Coverage ends on the earliest of: 1 11:59 PM on the expiry date of the Policy; or, 2 On the date and time, you permanently return to your country of permanent residence; or, 3 60 days after the effective date of the Policy, if the international student does not start participating in their studies at a school in Canada at any point within the first 60 days of coverage; or, 4 60 days after the date and time the international student becomes no longer enrolled in a school in Canada; or, 5 60 days after the date and time the international student stops participating in their studies at a school in Canada if the international student had started participating in their studies at a school in Canada at any point within the first 60 days of coverage. 6 On the date and time that you stop sharing living accommodations with the international student, if you are a family member of an international student. Conditions 1 Travel worldwide during the period of coverage is valid, provided your intention is to spend at least 51% of your time in Canada. Visits to your country of permanent residence are permitted; your Policy will not end, however expenses will not be covered while in your country of permanent residence. 2 Coverage is available for scheduled school breaks as long as the international student is enrolled full-time or part-time in a school in Canada. Top-up If you are covered by another insurance provider for the first part of your trip, 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 When this Policy is purchased to top-up another plan, coverage begins on the day following the expiry date of the insurance plan being topped-up. 7 2 When symptoms or treatment by a physician or other registered medical practitioner for an emergency medical condition begin before the effective date of this top-up Policy and while you are covered by the insurance plan being topped-up, we will pay eligible expenses incurred on or after the date this top-up Policy takes effect as if the emergency medical condition began under this top-up Policy. Coverage for emergency medical conditions which began before the effective date of this top-up Policy is only provided if there is no lapse between the insurance plan being topped-up and this top-up Policy. We will not pay for expenses incurred if other insurance policies, plans or contracts, including but not limited to any private or provincial automobile insurance, cover the loss. Coverage is also subject to all other policy terms and conditions. 3 Expenses incurred before this top-up Policy takes effect are not covered. 4 Coverage for Accidental Death and Dismemberment is only available if the accident occurs while the Policy is in effect. Plans Emergency Medical Insurance Benefits Maximum limit — $2,000,000 Coverage is provided up to the limits specified under each benefit. If the benefit doesn’t specify a limit, coverage is provided up to the Policy limit. We will pay reasonable and customary charges for medical and related expenses up to the coverage limits for an acute, sudden and unexpected emergency medical condition. The charges must result from an emergency that first occurs after coverage commences and while you are travelling outside your country of permanent residence. Eligible medical and related expenses are described below. Emergency Medical Treatment • Hospital Services − Hospitalization services (limited to a semi-private room). Any coverage related to hospitalization terminates upon release from the hospital other than what is specified under the Follow-up Visits Benefit. − Out-patient treatment provided by a hospital. • Physician The services of a physician. For out-patient care by a psychiatrist, coverage is only provided under the Other Professional Services benefit. Refer to that benefit for details. • 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 emergency. If an ambulance is medically required but is unavailable, we will reimburse you for taxi expenses, but the taxi receipt is required. 8 • Diagnostic Tests X-ray examinations and diagnostic laboratory procedures when performed at the time of the initial emergency or within 7 days after the initial emergency. • Prescription Drugs − 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 or the follow-up visits. While you are hospitalized, we will pay the total cost of all prescription drugs, in addition to a 30-day maximum supply of related prescription drugs purchased in the 30 days from the release from hospital. − The cost for one ‘morning-after pill’ once during a 12 consecutive month period, provided you have purchased a 365-day policy. Over the counter medicine (other than the ‘morning-after pill’ as described above), vitamins, minerals, dietary supplements and contraceptives are not covered. Official pharmacy prescription receipts indicating the medication name, quantity, dosage, prescribing physician and cost are required. • Essential Medical Appliances The cost to rent or purchase essential medical appliances, including but not limited to, wheelchairs, crutches and canes. When appliances are purchased, the reimbursement will not exceed the total cost that would have been incurred if the appliance had been rented. • Private Duty Nursing Up to a maximum of $20,000 for private duty nursing services, performed by a registered nurse (R.N.) other than a family member, when ordered in writing by the attending physician. Follow-up Visits Up to 5 follow-up visits within the 14 days after the initial emergency treatment, provided the follow-up visits are required as a direct result of the initial emergency. Fracture Treatment Following the initial emergency treatment and any covered follow-up visits, we will pay up to a maximum of $1,000 for the following treatments related to fractures: • X-ray examinations; and, • Re-examination physician visits; and, • Casting and re-casting, if medically necessary; and, • Cast removal If you extend this Policy or purchase a new TuGo Student Policy to take effect immediately after coverage under this Policy has ended, and there was no lapse in coverage, we will continue to cover you for the same fracture under this benefit until you have reached the maximum limit of $1,000 for all policies combined, and the Pre-existing Medical Condition Stability Exclusion will not apply to the same fracture. If a new, unrelated emergency results in a fracture during the extension or during the new policy period, then coverage will be available up to another $1,000 for the new fracture. This benefit is only available in lieu of the Airfare to Return Home for Treatment Benefit. 9 Maternity Up to a maximum of $25,000 per pregnancy for: a Routine pre-natal care; and, b Complications related to pregnancy that arise within the 9 weeks before and after the expected date of delivery, and, c Involuntary termination of pregnancy. This benefit does not provide coverage for: a Delivery/childbirth or complications thereof; or, b Medical expenses incurred by the newborn child. The pregnancy must have started while covered by a TuGo Student Policy. If you extend this Policy or purchase a new TuGo Student Policy to take effect immediately after coverage under this Policy has ended, and there was no lapse in coverage, we will continue to cover you for the same pregnancy under this benefit until you have reached the maximum limit of $25,000 for all policies combined, and the Pre-existing Medical Condition Stability Exclusion will not apply to pregnancy-related complications. If a new pregnancy begins during the extension or during the new policy period, then coverage will be available up to another $25,000 for the new pregnancy. A separate Insurance Policy can be purchased for newborns once they are 15 days old. Other Professional Services a Up to a maximum of $1,000 per incident, per practitioner for the services of the following registered practitioners as a result of an emergency: • Physiotherapist • Podiatrist • Chiropractor • Acupuncturist • Chiropodist • Naturopath • Osteopath • Speech therapist b Up to a maximum of $2,000 combined for all practitioners per incident for out-patient services of the following registered practitioners as a result of an emergency: • Psychiatrist • Psychotherapist • Psychologist • Nurse psychotherapist • Clinical counsellor • Social worker Rehabilitation Treatment This benefit is payable only when pre-approved by us Up to $250 per day to a maximum of 7 days for emergency treatment in a rehabilitation facility when it is medically necessary after hospitalization. 10 Dental Services The services of a dentist or dental surgeon for emergency dental treatment, including the cost of prescription drugs and x-rays, as follows: a Up to a maximum of $6,000 for dental expenses for an accidental blow to the face requiring the repair or replacement of sound natural teeth or permanently attached artificial teeth, including crowns, bridges and dental implants. Treatment must be completed within the 90 days after the treatment began and within the period of coverage. This benefit does not cover dental treatment for veneers or dentures. b Up to a maximum limit of $600 for dental expenses 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 began and within the period of coverage. If you extend this Policy or purchase a new TuGo Student Policy to take effect immediately after coverage under this Policy has ended, and there was no lapse in coverage, we will continue to cover you for the same dental emergency under this benefit until you have reached the maximum benefit limit for all policies combined, and the Pre-existing Medical Condition Stability Exclusion will not apply to the same dental emergency. If a new, unrelated dental emergency occurs during the extension or during the new policy period, then coverage will be available again up to the benefit limit of $6,000 under part a) and $600 under part b) for the new dental emergency. Impacted Wisdom Teeth Up to a maximum of $150 per tooth for the extraction of impacted wisdom teeth when medically necessary and performed in a dental or oral surgeon’s office. If you extend this Policy or purchase a new TuGo Student Policy to take effect immediately after coverage under this Policy has ended, and there was no lapse in coverage, we will continue to cover you for the same impacted wisdom tooth extraction under this benefit until you have reached the maximum limit of $150 per tooth for all policies combined, and the Pre-existing Medical Condition Stability Exclusion will not apply to the same wisdom tooth extraction. If another new, unrelated wisdom tooth extraction is required during the extension or during the new policy period, then coverage will be available until you have reached the maximum limit of $150 per tooth under this benefit. Annual Physician Visit Up to a maximum of $150 for: a One visit to a physician for a general check-up (or one immigration medical examination in lieu); and, b Any preventative screening tests intended to detect medical conditions before symptoms are noticed, that are ordered by the physician during the general check-up or immigration medical examination. This benefit is available once during a 12 consecutive month period, provided the minimum term of Insurance purchased is 180 days. 11 Vaccination & Tuberculosis Testing Up to a maximum of $150 for: a Vaccinations of any kind; and, b Tuberculosis testing. Coverage for tuberculosis testing is not payable if the testing is mandated by the school board or school as a requirement for program enrollment. This benefit is available once during a 12 consecutive month period, provided the minimum term of Insurance purchased is 180 days. Sexually Transmitted Infection Testing Up to a maximum of $100 for elective testing for sexually transmitted infections (STIs). This benefit is available once during a 12 consecutive month period, provided the minimum term of insurance purchased is 180 days. Eye Examination One visit to a licensed optometrist or ophthalmologist for a general eye examination. This benefit is available once over a 12 consecutive month period, provided the minimum term of Insurance purchased is 180 days. Prescription Glasses/Contact Lenses/Hearing Aids Up to a maximum of $200 for prescription glasses, contact lenses and hearing aids, required as a result of an accident or injury or that required repair as a result of an accident or injury. Tutorial Services Up to $20/hour to a maximum of $400 for a qualified private tutorial service in the event you are hospitalized for 30 consecutive days or more. 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 your country of permanent residence or medical air evacuation between medical facilities when the first facility is not equipped to provide the required treatment. Airfare to Return Home for Treatment This benefit is payable only when pre-approved by us The cost of a one-way economy airfare on a commercial flight via the most direct route to return to your country of permanent residence for immediate treatment as a result of an emergency. The treatment must be sought in the 10 days from arrival to your country of permanent residence and the attending physician providing treatment outside your country of permanent residence must indicate in writing that the treatment is required. The cost of an airline seat upgrade is included if the attending physician providing treatment outside your country of permanent residence indicates in writing that it is also medically required. This benefit is only available for fracture claims in lieu of the Fracture Treatment Benefit. 12 Medical Attendant This benefit is payable only when pre-approved by us If you are returned under the Emergency Air Transportation Benefit or the Airfare to Return Home for Treatment Benefit, we will pay: a The cost of a round trip economy airfare on a commercial flight via the most direct route for a qualified medical attendant (or a friend or family member in lieu) to accompany you if the attending physician providing treatment outside your country of permanent residence indicates in writing that it is medically required; and, b The cost of an airline seat upgrade for the medical attendant (or a friend or family member in lieu) if the attending physician providing treatment outside your country of permanent residence indicates in writing that it is medically required. Expenses Related to Death In the event of your death during a trip covered under the Policy benefits, we will pay for: a Up to $25,000 for 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 your country of permanent residence; or, b Up to a maximum of $15,000 for burial at the place of death (excluding the cost of funeral and related expenses or a burial coffin) including one death certificate, in the event your body is not returned to your country of permanent residence; or, c Up to a maximum of $15,000 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 country of permanent residence; and d Up to $5,000 for transportation costs of one family member to go to the place of your death to identify your body when it is necessary to be identified before the release of your body and up to a limit of $400 per day to a maximum of $2,000 for meals and commercial accommodation. Family Transportation This benefit is payable only when pre-approved by us If an attending physician considers it necessary, we will pay up to $5,000 for one round trip economy airfare or ground transportation costs for one family member or friend to be with you while you are hospitalized if you are travelling alone, or for one additional family member or friend if you are not travelling alone, and $400 per day to a maximum of $2,000 for reasonable and necessary commercial accommodation, meals, telephone calls, internet charges, taxi or bus fare. 13 Return of Vehicle This benefit is payable only when pre-approved by us If the attending physician determines that as a result of an emergency, you are incapable of continuing your trip by means of the vehicle used to depart from your country of permanent residence and the vehicle you intended to use to return to your country of permanent residence and your travelling companion is unable to do so for you, we will pay up to $1,000 for either: a The charges incurred for a commercial agency to return a vehicle that you own or rent to either your country of permanent residence or the nearest appropriate vehicle rental agency; or, b A one-way economy airfare to the destination where the vehicle is located; and gas, meals and accommodation for a family member or friend to return a vehicle that you own or rent to your country of permanent residence. If the vehicle you used to depart from your country of permanent residence was towing an object (such as a trailer or boat) and you had intended to use the same vehicle to tow the object back to your country of permanent residence, the cost to return the towed object is also included in this benefit. If the towed object must be returned separately, it is not covered. Accidental Death and Dismemberment Maximum limit — $10,000 Refer to section Accidental Death and Dismemberment Insurance for details. The information in that section outlines the terms and conditions of this benefit. If you have also purchased the Optional Accidental Death and Dismemberment coverage, coverage will be increased to the benefit limits specified under that optional coverage. Pre-existing Medical Condition Stability Exclusion The Emergency Medical Insurance plan is also subject to the General Exclusions shown on page 17. The stability requirements for pre-existing medical conditions are outlined below: We will not be liable to provide coverage or services, or to pay claims for expenses incurred directly or indirectly as a result of any: 1 Medical condition which is not stable on or within the 90 days before the effective date of the Policy. 2 Any complications that develop after departure, related to a pre-existing medical condition that was not stable on or within the 90 days before the effective date of the Policy. Medical conditions and related complications that do not meet the stability requirements set out above are not covered. Refer to the following definitions: alteration, medical condition, pre-existing medical condition, treatment and stable. 14 Automatic Extensions to Coverage At the time the period of coverage ends your coverage will be automatically extended at no additional premium: Hospitalization If you, your family travelling with you or your travelling companion are hospitalized. The automatic extension will be provided to you for the remaining period of the hospitalization, plus up to 7 days after hospital release to recover and/or travel back to Canada or your country of permanent residence. Medically Unfit to Travel If you, your family travelling with you or your travelling companion are unable to travel on the scheduled return date due to a medical condition that does not require hospitalization. The automatic extension will be provided to you for up to 7 days to recover and/or travel back to Canada or your country of permanent residence. In the event of a claim, written documentation must be provided to us by the attending physician to substantiate the inability to travel back to Canada or your country of permanent residence as originally scheduled. Delay of Common Carrier If your common carrier is delayed due to circumstances beyond your control, preventing you from returning to Canada or your country of permanent residence. The automatic extension will be provided to you for up to 7 days. In the event of a claim, written documentation must be provided to us to substantiate the common carrier delay. Quarantine If you, your family travelling with you or your travelling companion are unable to travel on your scheduled return date due to being placed under quarantine after a positive COVID-19 test, the automatic extension will be provided to you for up to 14 days. In the event of a claim, written documentation must be provided to us to substantiate the quarantine. 15 Refunds Refunds after the effective date of the Policy must be requested in writing. Refunds are not available if a claim has been or will be submitted. Full Refunds 1 When the request for refund is received BEFORE the effective date of the Policy, a full refund is available. 2 When the request for refund is received AFTER the effective date of the Policy, a full refund is available as follows: a In the 10 days from the application date of the Policy when no travel has taken place; or, b If you have not arrived in Canada, provided you were travelling directly to Canada (direct travel includes stopovers and layovers while in transit); or, c If your student visa for entry to Canada was refused; or, d If you arrived in Canada but entry into Canada was denied. Refund requests must be submitted to us within the 90 days after the expiry date of the Policy. Partial Refunds 1 When travel has taken place, a partial refund less an administration fee is available. Refunds are calculated as follows: a From the date the cancellation request is submitted to us; or, b From the date you return to your country of permanent residence if a satisfactory proof of return is sent to us and the request is received by us within the 90 days after the date you return to your country of permanent residence; or, c From the date you become eligible and/or covered under a provincial or territorial government health care plan during the period of coverage if a satisfactory proof of the provincial or territorial government health care coverage is sent to us and the request is received by us within the 90 days after the date you became eligible; or, d From the date your coverage ends, if your coverage ended due to scenario no. 3, 4 or 5 as specified in the Period of Coverage section under the sub-section for when coverage ends. Satisfactory proof to substantiate that coverage ended must be sent to us and the request must be received by us within the 90 days after coverage ended. Note: A minimum premium requirement applies for this Insurance at the time of purchase which becomes non-refundable after travel has taken place. If you request a partial refund after travel has taken place, we will retain this non-refundable minimum premium. 16 Optional Coverage This optional coverage may only be purchased as an endorsement to the Emergency Medical Insurance plan and it is subject to the terms and conditions of that plan. The Optional Coverage is also subject to the 10-day Full Refund Provision, Insuring Agreement, Eligibility, Period of Coverage, General Exclusions, General Conditions, Authorized Extensions, Definitions, Statutory Conditions and How to Claim sections of the Policy. Accidental Death and Dismemberment Insurance If you have purchased this Optional Coverage, coverage under the Accidental Death and Dismemberment benefit in the Emergency Medical Insurance plan will be increased to the benefit limits specified below. Air Flight/Common Carrier Accident: Maximum limit — $100,000 24-hour Accident: Maximum limit — $25,000 Covered Risks Air Flight/Common Carrier Accident Death or dismemberment as a result of an accident sustained during the period of coverage while riding as a fare-paying passenger, or while entering or leaving a lawfully operated licensed common carrier. Coverage is also applicable to insured children under 2 years accompanied by a fare-paying passenger. 24-hour Accident Death or dismemberment as a result of an accident sustained during the period of coverage in any other situation not specifically mentioned under Air Flight/Common Carrier above. Benefits In the case of your accidental death or certain losses resulting from an accident, we will pay to or on behalf of you, your estate or other beneficiary, the benefits as outlined below, but in no event shall payment exceed the sum insured under this section: 1 100% of the sum insured for loss of life, double dismemberment or loss of sight in both eyes. 2 50% of the sum insured for single dismemberment or loss of sight in one eye. Benefits for loss of life, limb or sight are payable for loss which occurs in the 90 days from the date of the accident. Any claim for indemnity for loss of life, dismemberment or loss of sight must be substantiated by a certificate from the attending medical physician at the place of the accident attesting to the actual injuries sustained. 17 Limitation The total aggregate limit is $10,000,000 for any one event under this Policy and all policies administered and issued by us. If the total sum of all claims resulting from the same event exceeds the total aggregate limit, the $10,000,000 will be shared proportionately among all insureds. The proportionate share for each insured will not exceed the maximum limits of their plan. Payment will be processed after we have completed the review of all submitted claims related to the same event. General Exclusions Applicable to All Coverages In addition to the Pre-existing Medical Condition Stability exclusion, we 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 claim incurred after a physician advised you not to travel. 2 Any claim incurred after any other registered medical practitioner advised you not to travel. 3 A trip that is undertaken after the diagnosis of a terminal condition. 4 A trip that is undertaken while you are receiving palliative care or after palliative care has been recommended. 5 Medical conditions or any related medical conditions for which, before the effective date of the Policy, diagnostic tests took place, were scheduled to take place or were recommended and for which results had not yet been received on or before the effective date of the Policy. This includes diagnostic tests that were scheduled or were recommended on or before the effective date of the Policy, but had not yet taken place on or before the effective date of the Policy. This exclusion does not apply to: a Tests to monitor an existing medical condition if there have been no new or more frequent symptoms, whether or not results have been received; or, b Screening tests intended to prevent illness or to detect medical conditions before symptoms are noticed, whether or not results have been received. 6 The cost of any mandated test required for travel. 7 Medical conditions or any related medical conditions for which, on or before the effective date of the Policy, tests to follow up on the effectiveness or response to a procedure, surgery or hospitalization are scheduled to take place or recommended. This includes tests that were scheduled or recommended on or before the effective date of the Policy, but had not yet taken place on or before the effective date of the Policy. 8 Medical conditions or any related medical conditions for which before the effective date of the Policy, medical procedures, surgeries and/or referrals to a specialist were scheduled to take place or were recommended but had not yet taken place at the time of the effective date of the Policy. 18 9 Any medical condition, related medical condition or any subsequent treatment related to a medical condition for which you sought treatment and/or were experiencing any symptoms that were new or worsening after your departure from your country of permanent residence but before the effective date of this Policy, except as specified under the Maternity benefit, the Fracture Treatment benefit, the Dental Services benefit and the Impacted Wisdom Teeth benefit. 10 Acute psychosis if drug or alcohol induced. 11 Any cancer (other than basal cell or squamous cell skin cancer and/or cancer that is in remission) for which you received or were recommended to receive active cancer treatment on or within the 90 days before the effective date of the Policy. This includes active cancer treatment that you were recommended to receive but chose to decline. 12 Tests and investigation except when performed at the time of the initial emergency medical condition or within 7 days after the initial emergency. 13 The continued treatment, recurrence or complication of a medical condition or related condition, following emergency treatment during your trip, if we determine that your emergency has ended, unless otherwise specified in a benefit. 14 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 blood alcohol level of 80 milligrams of alcohol per 100 millilitres of blood or when records indicate you were intoxicated and no blood alcohol level is specified. 15 Consumption or use of illegal or controlled drugs (based on the law where the cause of the claim occurred). 16 Any medical condition for which you are registered on a waiting list for treatment or diagnosis either in Canada or your country of permanent residence. 17 Expenses incurred for emergency air transportation and any expenses incurred after emergency air transportation, when the emergency air transportation was not arranged by us. 18 Any medical condition or related expenses if we determine that you should transfer to another facility or could return to your country of permanent residence for treatment, and you choose not to, benefits will not be paid for further treatment related to the medical condition. 19 An official travel advisory issued by a Canadian government stating to avoid optional, discretionary and/or non-essential travel into Canada, before the date you arrive in Canada. If an official travel advisory is issued for a province/territory, region or city within Canada after you have already arrived to that province/territory, region or city, your coverage for an emergency or a medical condition related to the travel advisory will remain in place. To view the travel advisories, visit the Government of Canada Travel site. This exclusion does not apply to claims for an emergency or a medical condition unrelated to the travel advisory or to claims incurred for COVID-19. 19 For Travel Outside of Canada 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 date you travel to that destination (including any stopovers, layovers or any other destinations you are transiting through). If an official travel advisory is issued while you are travelling outside of Canada for the country, region or city of your destination after you have already arrived to that country, region or city, your coverage for an emergency or a medical condition related to the travel advisory will remain in place. To view the travel advisories, visit the Government of Canada Travel site. This exclusion does not apply to claims for an emergency or a medical condition unrelated to the travel advisory or to claims incurred for COVID-19. 20 A medical condition for which symptoms arose or worsened or for which treatment by a physician or other registered medical practitioner was received during a temporary visit to your country of permanent residence during the period of coverage or any medical condition wholly or partly, directly or indirectly, related thereto. This exclusion does not apply if the treatment was for either: a The unchanged use of prescribed drugs or medication for a stable medical condition, symptom or problem; or, b A check-up where the physician or other registered medical practitioner observes no change in a previously noted medical condition, symptom or problem. 21 Treatment by a physician or other registered medical practitioner and expenses incurred while in your country of permanent residence or the country you were travelling or residing in before arriving in Canada. 22 Loss, theft, breakage of prescription glasses, contact lenses, prosthetic devices, hearing aids and dentures, except as specified under the Prescription Glasses/Contact Lenses/Hearing Aids benefit. 23 Any amount payable under the provincial or territorial government health care plan of your province/territory of study, if you are covered by that provincial or territorial health care plan and have purchased this Insurance as a supplement to that coverage. 24 Your participation in and/or voluntary exposure to acts of war or acts of terrorism. 25 Death, disablement or injury in any way caused by or contributed by radioactive contamination or by the utilization of nuclear, chemical or biological weapons (whether or not caused by acts of war or acts of terrorism). 26 Any medical condition that is the result of you not following treatment as prescribed to you, including prescribed or over the counter medication. 27 Your participating, training, or practicing in any sports or activities as a professional athlete, or in any of the following sports or activities (whether as a professional athlete or not): • Hang gliding/paragliding • Parachuting/skydiving/ • High risk motorized tandem skydiving speed activities • Rock climbing • Ice climbing • Scuba diving or free diving • Mountaineering over 40 metres 20 28 Your participating in, training, or practicing for any of the following sports or activities: • Barrel racing • Rodeo bareback racing • Bronc riding • Rodeo clowning • Bull riding • Rodeo team roping • Chariot racing • Steer wrestling/chute dogging • Chuck wagon racing • Trick riding • Harness racing 29 Any medical condition or recognized complication of a medical condition, where the purpose of your trip is to seek treatment, advice or services, and where the medical evidence indicates the treatment, advice or services received are related to that medical condition. 30 a Routine pre-natal or post-natal care, except as specified under the Maternity benefit; 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 except as specified under the Maternity benefit. 31 Your voluntary termination of pregnancy or resulting complications. 32 Your suicide or attempt thereat or self-inflicted injury. 33 Your commission or attempted commission of a criminal offence or illegal act based on the law where the cause of the claim occurred. 34 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, except as specified under the Rehabilitation Treatment benefit and the Other Professional Services benefit. 35 a Cosmetic surgeries, procedures and/or treatments, and, b Complications related to cosmetic surgeries. 36 Any medical condition or symptoms for which it is reasonable to believe or expect that treatments will be required during your trip. 37 Unless otherwise stated in this Policy (see General Condition, number 3), expenses incurred if other insurance policies, plans or contracts cover the loss. This includes but is not limited to any private or automobile insurance plan. If, however, the loss exceeds the limits of the other policies, plans or contracts and if this Insurance covers losses and periods not covered by those other policies, plans or contracts, this Insurance shall then apply in excess of all other valid insurance. This exclusion does not apply to Accidental Death and Dismemberment Insurance. 21 General Conditions Applicable to All Coverages Provisions & Conditions 1 This Policy is issued on the basis of information in your application or provided in connection with your application, which includes: a The eligibility requirements for the coverage purchased as specified under the heading Eligibility in this policy wording; and, b Any questions asked at the time of application or at any other time that your coverage is modified. When completing the application and answering any questions asked, the answers must be complete and accurate. If you were not eligible for coverage as specified under the heading Eligibility in the policy wording and/or if any of the answers are found to be incomplete or inaccurate, your coverage will be void, which means that any claim submitted will not be paid, and your premium will be refunded. 2 If you, any person insured under this Policy or anyone acting on your behalf fails to disclose any material fact or makes a fraudulent, false or exaggerated statement or claim, your coverage will be void, which means that any claim submitted will not be paid, and your premium will be refunded. 3 Subrogation — We will not subrogate against any extended benefit plans if the lifetime maximum limit for all in-country and out-of-country benefits under that plan is currently $100,000 or less. If the lifetime maximum limit under that plan is greater than $100,000, we may exercise our right to subrogate, but, if applicable, we will limit our subrogated claim to the extent required to preserve $50,000 of the lifetime limit available under that plan, except in the event of your death. If compensation is or will be available from a third party for any payments made by us under this Policy, we have the right to subrogate to recover those payments. We, at our own expense, can file a suit in your name for that purpose and you authorize us to do so. This right of subrogation is in addition to and does not limit any other right of subrogation existing under common law, equity or statute. Further, if you make any claim against a third party related to payments that we made under this Policy, you will include the amount of those payments in your claim against the third party. If you obtain compensation for a portion or all of the included payments we made, you must immediately remit that compensation to us. You understand that you shall do nothing to prejudice our rights of subrogation, which includes not releasing third parties from liability without our express written agreement. 4 Coordination of Benefits — Unless otherwise stated in this Policy, this Insurance is excess to all other valid insurance. If any other valid insurance is also an excess insurance, we will coordinate benefits of all eligible expenses with that insurer. All coordination follows the guidelines set by the Canadian Life and Health Insurance Association. 5 You may not claim or receive more than 100% of your total covered expenses. This general condition does not apply to Accidental Death and Dismemberment. 6 Misstatement of Age — If your age has been misstated to us, the coverage and/or premium may be adjusted in accordance with the correct age as of the date you became covered. Any premium adjustment is payable upon receipt of a premium notice. 22 7 You must be accurate and complete in your dealings with us at all times. 8 Currency — Any dollar amount expressed as a limit of coverage or benefit payable under this Policy is deemed by us to be in Canadian currency, unless otherwise stated. 9 Duplication of Coverage — If you are insured under more than one Policy, Plan or Optional Coverage administered by us and they are in effect at the time of loss, the total amount paid to you or on your behalf cannot exceed your total expenses. Benefits are paid under the one Policy, Plan or Optional Coverage with the greatest benefit limit. 10 In the case of duplicate benefits in this Policy, claims are payable under the one benefit with the greatest benefit limit. 11 The date and time of commencement and termination of coverage is based on the time zone of the province or territory the Policy was purchased in. 12 Premium and coverage are based on factors including but not limited to age, trip length, travel destination and answers to the Medical Questionnaire, if applicable. 13 The availability, quality, results or effects of any treatment, assistance, hospitalization, transportation or your failure to obtain any of the above, is not our responsibility or the responsibility of any company or agency providing services on our behalf. 14 We reserve the right to accept or to decline any person as an insured. 15 In the event of your treatment by a physician or other registered medical practitioner or other circumstances that have led or may lead to a claim under this Policy, you authorize any hospital, physician or other person or organization that has records or knowledge of you or your health, medical history or other information relevant to the claim to provide us that information and authorize us to use and disclose that information for the purpose of determining whether any claim that may be made is covered by this Policy or by another plan or Policy. 16 If requested by us, you must furnish or consent to the release of your medical records for the relevant period before the effective date of the Policy and/or during the term of the insurance required in order to determine if the claim is payable. Failure to produce these records will invalidate your claim. 17 In the event of a claim, upon request, you will establish the date and time of departure and initially planned date of return of the trip. 18 You shall be responsible for the verification of any hospital and medical expenses incurred and shall obtain itemized accounts of all hospital and medical services which have been provided. 19 We shall not reimburse any expense incurred after a period of 365 days has elapsed following the date on which the loss first occurred or the relevant emergency first occurred. 20 We shall comply with all applicable privacy legislation and regulations. You can learn about our privacy policy at tugo.com/en/privacy. 21 If any of the terms or conditions of this Policy are in conflict with the statutes of the province or territory in which this Policy is issued, the terms and conditions are hereby amended to conform to such statutes. 22 In the event of complaints or unresolved disputes respecting any claim or portion thereof, the following should be contacted: TuGo, 1200-6081 No. 3 Road, Richmond, BC, V6Y 2B2, Canada. You can learn about our complaint procedure at https://www.tugo.com/en/legal/. 23 23 The law of the province or territory of Canada in which you are staying while you are an international student in Canada, will govern this Policy, including all issues of its interpretation and performance. Any legal action or other proceeding related to or connected with this Policy that is commenced by you or anyone claiming on your behalf or by an assignee of benefits under this Policy must take place in the courts of the province/territory of Canada in which you purchased this Policy, and no other court has jurisdiction to hear or determine any such action or proceeding. 24 This Insurance provides no coverage and no insurer shall be liable to pay any claim or provide any benefit hereunder to the extent that the provision of such coverage, payment of such claim or provision of such benefit would expose that insurer to any sanctions, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of the European Union, United Kingdom or United States of America. 25 We shall not reimburse any interest charges accrued by you. 26 If you are a US citizen, you may have an obligation to purchase insurance under the Affordable Care Act (“ACA”). This policy is not subject to the ACA and is not intended to fulfill individual obligations to purchase health insurance coverage under the ACA. Please contact your tax adviser or lawyer if you think the ACA obligations may apply to you. If you are a US citizen or US resident, you may have an obligation to purchase insurance under the Affordable Care Act (“ACA”). This policy is not subject to the ACA and is not intended to fulfill individual obligations to purchase health insurance coverage under the ACA. Please contact your tax adviser or lawyer if you think the ACA obligations may apply to you. 27 When a premium is not paid, we reserve the right to terminate the Policy with notice, except as otherwise provided by law. Authorized Extensions You can extend your period of coverage before your Policy expires provided the total policy trip length does not exceed a maximum of 365 days. To extend your Policy, you can contact your agent or us during business hours. Please refer to Contact Information on page 1. If you extend your coverage, the following condition applies: If you had a claim, sought medical attention or experienced any symptoms during the previous policy term, for the extension period, there will be no further coverage with respect to the medical condition, related medical condition, or for any subsequent treatment related to the medical condition, except as specified under the Maternity benefit, the Fracture Treatment benefit, the Dental Services benefit and the Impacted Wisdom Teeth benefit. 24 Definitions Active cancer surveillance Also known as ‘watchful waiting’ is a treatment plan that involves monitoring cancer without giving any other form of treatment. It is used to monitor changes in test results to see if the cancer is getting worse and whether other forms of active cancer treatment might also be needed. This method of treatment is often used when the cancer is newly diagnosed and before it’s clear what types of treatment would be most effective, for conditions that progress slowly and/or when the risks of active cancer treatment are greater than the possible benefits. Active cancer treatment Treatment that is not limited to but includes chemotherapy, radiation therapy, surgery, medication, experimental treatment or active cancer surveillance. Acts of terrorism An act, or acts, of any person, or group(s), committed for political, religious, ideological, ethnic or similar purposes with the intention to influence any government and/or, but not be limited to, the use of force or violence and/or the threat thereof. Furthermore, the perpetrators of acts of terrorism can either be acting alone, or on behalf of, or in connection with any organization(s) or government(s). Acts of war War, civil war, riot, rebellion, insurrection, revolution, invasion, hostilities or warlike operations (whether war be declared or undeclared), civil commotion, overthrow of the legally constituted government, military or usurped power, explosions of war weapons. Acute Initial or emergency short course (not chronic) treatment by a physician phase of a medical condition. Aggregate limit The maximum amount of coverage available, regardless of the number of separate claims. Alteration The medication usage, dosage or type has been increased, decreased or stopped and/or a new medication has been prescribed. Alteration does not include: a Changes in brand to an equivalent name brand or to an equivalent generic brand of the same or equivalent usage or dosage; or, b Routine dosage adjustments within prescribed parameters for insulin or oral diabetes medication to ensure correct blood levels are maintained; blood sugar levels must be checked regularly and the medical condition must remain unchanged; or, c Routine dosage adjustments within prescribed parameters for blood thinner medication to ensure correct blood levels are maintained; blood levels must be checked regularly and the medical condition must remain unchanged; or, d A temporary stoppage of blood thinner medication up to a maximum of 24 hours if the stoppage is required for a surgery or a procedure; or, e Usage changes due to the combination of several medications into one; the medical condition must remain unchanged. 25 Application date The date when premium for this Insurance is paid. Beneficiary Estate by default unless otherwise requested in writing. Common carrier A boat, cruise ship, airplane, bus, taxi, train or other similar vehicle that is licensed, intended and used primarily to transport passengers for hire. Country of permanent residence The country you maintained a permanent residence in before your entry into Canada. Dependent children Unmarried children who are dependent on a parent or guardian who is an international student eligible under this Policy and are: a Up to and including 21 years; or, b Up to and including 59 years, if they have a cognitive, developmental, or physical disability. Diagnostic tests Tests required to: a Assess, identify or investigate a symptom or a medical condition; or, b Follow up on abnormal test results. Emergency An unforeseen medical condition, which requires immediate treatment to alleviate existing danger to life or health. An emergency no longer exists, when the medical evidence indicates that you are able to continue the trip or return to your country of permanent residence. Once such emergency ends, no further benefits are payable in respect of the medical condition which caused the emergency, unless otherwise specified in a benefit. Enrolled Registered as a student in a school’s administration records with a valid proof of enrollment in the school. A letter of acceptance from a school does not qualify as proof of enrollment. Students registered in a language program for immigration purposes (including but not limited to francisation programs) are not considered international students enrolled in a school in Canada. Family member The international student’s legal or common-law spouse, parent(s), step-parent(s), legal guardian(s), brother(s), sister(s), step-brother(s), step-sister(s) and their unmarried dependent children, who shares living accommodations with the international student in Canada. Follow-up Re-examination of you to monitor the effects of earlier treatment related to the initial emergency, except while hospitalized. Follow-up does not include diagnostic tests and/or continued treatment (as determined by us). 26 High risk motorized speed activities a Motocross, dirt biking and/or motorcycling unless only riding as a mode of transportation; and/or, b Any motorized vehicle racing competitions, endurance events or timed activities, including but not limited to snowmobiling racing competitions or endurance events. If you are participating in a motorized vehicle activity, other than the ones specified under part a), and the activity is solely for leisure and not part of a timed activity or done for the purpose of training or practicing for any kind of racing competition or endurance event, this activity is not considered a high risk motorized speed activity. Hospital An institution that is licensed as an accredited hospital that is staffed and operated for the care and treatment of in-patients and out-patients. Treatment must be supervised by physicians and there must be registered nurses on duty 24 hours a day. Diagnostic and surgical capabilities must also exist on the premises or in facilities controlled by the establishment. A hospital is not an establishment used mainly as a clinic, extended or palliative care facility, rehabilitation facility, addiction treatment centre, convalescent, rest or nursing home, home for the aged or health spa. Hospitalization or hospitalized Formal admission to the in-patient services of a hospital. This does not include visits to the emergency room unless they result in the formal admission to the in-patient services of a hospital. Ice climbing The act of climbing or rappelling from vertical or nearly vertical ice formations such ice falls, frozen waterfalls or cliffs or rock slabs that are covered with ice from flows of water freezing over. Ice climbing requires the use of specialized equipment including but not limited to ice axes, crampons or ice screws. Glacier hiking is not ice climbing. If the glacier hike is on a mountain, it is considered mountaineering. Insured or insured persons The person named in the Policy declaration for whom the applicable premiums have been paid. Insurer The insurers listed under the definition of us, we, our. International student A student who is enrolled in a school in Canada and: a Is not a Canadian citizen; and, b Does not have landed immigrant status or a primary permanent residence in Canada. Loss For Accidental Death and Dismemberment Insurance In respect of limbs means actual severance through or above wrist or ankle joints and, in respect of loss of sight, means entire and irrecoverable loss of sight. Medical condition Any disease, illness or injury (including symptoms of undiagnosed conditions). 27 Medically necessary The medical service or product in question is necessary to preserve, protect or improve your medical condition and well being. Mountaineering The act of climbing or descending a mountain using specialized equipment including but not limited to pickaxes, ice axes, anchors, bolts, crampons, carabineers and lead or top rope anchoring equipment. Mountaineering includes ski mountaineering also known as ‘skimo’. Non-emergency Any treatment, investigations or surgery either: a not required for the immediate relief of acute pain and suffering; or, b which reasonably could be delayed until you return to your country of permanent residence; or, c which you elect to have during a trip following emergency treatment by a physician or other registered medical practitioner of a medical condition or the diagnosis of a medical condition, which on medical evidence would not prevent you from returning to your country of permanent residence before such treatment or surgery. Physician A medical practitioner who is registered and licensed to practice their medical profession in accordance with the regulations applying in the jurisdiction where the person practices. A physician must be a person other than you or a family member. Pre-existing medical condition Any medical condition that exists on or before the effective date of the Policy. Prescribed Treatment ordered or recommended by a physician and/or any other registered medical practitioner, as documented in your medical records. Professional athlete At the time the claim occurred, an athlete who is participating, training or practicing in a sport or activity and: a Has received the majority of their income from that sport or activity; or, b Is considered professional by the governing body of the sport or activity they participate in. Scholarships are not considered income. Reasonable and customary charges Charges incurred for goods and services that are comparable to what other providers charge for similar goods and services in the same geographical area. Remission The decrease in or the disappearance of signs and symptoms of cancer and/or the removal of cancer as determined by your physician and noted in your medical records. Remission can be complete or partial. Complete remission means the disappearance of all signs or symptoms. Partial remission means a decrease in or disappearance of some, but not all, signs and symptoms. 28 Rock climbing The sport of climbing rock faces, especially with the aid of ropes and special equipment. Rock climbing includes the following activities: bouldering, traditional climbing, free soloing, top-rope, sports climbing, canyoning/canyoneering, but does not include climbing indoor or outdoor artificial rock climbing walls. School Any of the following: a A public or private elementary or secondary school (excluding preschools and home schools) that fall under the definition of a school as defined by the applicable legislation or regulations in the school’s province or territory; or, b A university, college or other recognized post-secondary institution of learning with a valid Designated Learning Institution number (DLI#) from the Government of Canada. Refer to the Government of Canada’s web page for a list of schools with a valid Designated Learning Institution number. Spouse The person you are legally married to, or a person you have been living with for a minimum period of one year and who is publicly presented as your spouse. 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 physician or other registered medical practitioner or any alteration in any medication related to the medical condition, and d There has been no new treatment received, prescribed or recommended by a physician or other registered medical practitioner. Studies Classes, courses, lessons, field studies, practicums, co-ops, fellowships, residencies, internships, postgraduate research, or work experience programs, that are administered and organized by a school as part of the school’s curriculum. Terminal condition A medical condition for which, before the effective date of the Policy, a physician has given you a terminal prognosis with a life expectancy of 12 months or less. Travelling companion A person who has prepaid shared commercial accommodation or transportation with you for the same period of travel. Treatment, treat, treated A procedure prescribed, performed or recommended by a physician for a medical condition. This includes but is not limited to prescribed medication, investigative testing and surgery. 29 Us, we, our OneWorld Assist Inc. doing business as Claims at TuGo and North American Air Travel Insurance Agents Ltd. doing business as TuGo. TuGo is a third party administrator for the following insurer: Industrial Alliance Insurance and Financial Services Inc. Vehicle Car, recreational vehicle, motorcycle, boat or other land or water conveyance used for the trip. You or your The same as insured or insured persons. 30 Statutory Conditions The Contract The application, this policy, any document attached to this policy when issued and any amendment to the contract agreed on in writing after this policy is issued constitute the entire contract and no agent has authority to change the contract or waive any of its provisions. Material Facts No statement made by the insured or a person insured at the time of application for the contract may be used in defence of a claim under or to avoid the contract unless it is contained in the application or any other written statements or answers furnished as evidence of insurability. Termination of Insurance 1 The contract may be terminated a by the insurer giving to the insured 15 days’ notice of termination by registered mail or 5 days’ written notice of termination personally delivered, or b by the insured at any time on request. 2 If the contract is terminated by the insurer, a the insurer must refund the excess of premium actually paid by the insured over the prorated premium for the expired time, but in no event may the prorated premium for the expired time be less than any minimum retained premium specified in the contract, and b the refund must accompany the notice. 3 If the contract is terminated by the insured, the insurer must refund as soon as practicable the excess of premium actually paid by the insured over the short rate premium calculated to the date of receipt of the notice according to the table in use by the insurer at the time of termination. 4 The 15 day period referred to in subparagraph (1) (a) of this condition starts to run on the day the registered letter or notification of it is delivered to the insured’s postal address. Notice and Proof of Claim Notice of a claim shall be given in accordance with the claims procedures clause included in this policy as soon as practical but in no case later than 30 days from the date a claim arises under this policy. You must also within 90 days from the date the claim arises under this policy furnish such proof and additional information as is reasonably possible and if required by the company, furnish a certificate from a physician detailing the cause or nature of the sickness or injury for which the claim has been instituted. Failure to Give Notice or Proof Failure to give notice of claim or furnish proof of claim within the time required by this condition does not invalidate the claim if (a) the notice or proof is given or furnished as soon as reasonably possible, and in no event later than one year after the date of the accident or the date a claim arises under the contract on account of sickness or disability, and if it is shown that it was not reasonably possible to give notice or furnish the proof in the time required by this condition, or (b) in the case of death of the person insured, if a declaration of presumption of death is necessary, the notice or proof is given or furnished no later than one year from the date a court makes the declaration. 31 Insurer to Furnish Forms for Proof of Claim The insurer must furnish forms for proof of claim within 15 days after receiving notice of claim, but if the claimant has not received the forms within that time the claimant may submit his or her proof of claim in the form of a written statement of the cause or nature of the accident, sickness or disability giving rise to the claim and of the extent of the loss. Rights of Examination As a condition precedent to recovery of insurance moneys under the contract, a the claimant must give the insurer an opportunity to examine the person of the person insured when and as often as it reasonably requires while a claim is pending, and b in the case of death of the person insured, the insurer may require an autopsy, subject to any law of the applicable jurisdiction relating to autopsies. When Moneys Payable All money payable under this contract shall be paid by the insurer within sixty days after it has received proof of claim. Every action or proceeding against an insurer for the recovery of insurance money payable under the contract is absolutely barred unless commenced within the limitation period specified in the Insurance Act, Limitations Act, Civil Code of Quebec or other relevant legislation of the applicable jurisdiction. Applicable to Quebec Residents Notwithstanding any other provisions herein contained, this contract is subject to the mandatory provisions of the Civil Code of Quebec respecting contracts of Accident and Sickness Insurance. Action Against Company Service of legal proceedings to enforce the obligations under this Policy to the insurer listed in the definition of us may be validly made by serving the offices of North American Air Travel Insurance Agents Ltd. d.b.a. TuGo, 1200-6081 No. 3 Road, Richmond, BC, V6Y 2B2, Canada. Notice to Company Notice under this Policy to the insurer listed in the definition of us may be validly given to North American Air Travel Insurance Agents Ltd. d.b.a. TuGo, 1200-6081 No. 3 Road, Richmond, BC, V6Y 2B2, Canada. Complaints or unresolved disputes should be referred to Industrial Alliance Insurance and Financial Services Inc. at 400-988 West Broadway, P.O. Box 5900, Vancouver BC V6B 5H6, Canada, solutions@ia.ca or toll-free at 1-800-266-5667. 32 Privacy Privacy Notice The protection of your personal information is very important to us. TuGo is committed to the protection of your personal information. TuGo fully complies with Canada’s privacy laws. TuGo’s privacy policy determines our responsibilities on the collection and use of your personal information. You can review TuGo’s entire Privacy Policy at tugo.com/en/privacy. Personal information is gathered at the time of application to determine the premium and appropriate coverage. In the event of a claim, we may need to collect additional medical information to help provide the best possible assistance, arrange care, possible medical evacuation, and to determine coverage. This information may be obtained or shared with your agent, any affiliate or subsidiary, referring organization and third-party provider including but not limited to health care providers and government health insurers. The information is used by authorized personnel only as needed, and is maintained securely for the period required by law. Your information may need to be shared with or by organizations located outside of Canada, such as the country you are travelling to and will be also subject to the laws of those foreign jurisdictions. We encourage you to review TuGo’s Privacy Policy occasionally as it could be amended. Upon written request, you may also review your personal information to verify its accuracy. For more information about how TuGo collects and uses personal information, contact our privacy officer: TuGo, Attn: Privacy Officer, 1200-6081 No. 3 Road, Richmond BC, Canada, V6Y 2B2. Email: privacy@tugo.com Fax: (604) 276-9409. Notice on Privacy & Confidentiality PLEASE READ CAREFULLY AND RETAIN FOR YOUR RECORDS The specific and detailed information requested pursuant to this application from you and which may be subsequently requested by us, from time to time, is required to process your application, and process any claim for benefits made by you. To protect the confidentiality of such personal information, access to your information is restricted to any person you authorize or as authorized by law as well as those Industrial Alliance Insurance and Financial Services Inc. (the “Company”) employees, its reinsurers, third party administrators, agents or brokers of the Company, plan sponsors and any agents or brokers of such sponsors or other market intermediaries for the purposes of (a) sponsoring a plan for you, (b) marketing and administration of Company products or services, (c) assessment of risk (underwriting) and (d) investigation of claims (where applicable). Your file will be kept in our offices. You are entitled to review your personal information contained in our files, subject to certain limited exceptions established by law, and if necessary, to have it rectified by sending a written request to us at: 400 - 988 West Broadway. P.O. Box 5900, Vancouver, BC V6B 5H6, Attention: Director, iA Special Markets. Corrections will be noted in the file. If a requested correction is in dispute, we nonetheless note your requested correction in the file. Further information on our privacy practices can be found online at ia.ca or alternatively, contact us at 1.800.266.5667 and request that a copy be faxed or mailed to you. In witness whereof this Policy has been authorized by the insurer listed in the definition of us. K. Starko, Executive Director 33 How to Claim Claims Procedures & Payment of Benefits For information on how to contact us, please refer to Contact Information at the beginning of this policy wording booklet. 1 Claims can be opened online at tugo.com/claims, although some restrictions apply. If you are unable to open your claim online, please contact us using the Contact Information at the beginning of this policy wording. 2 Once you have received your claim number, all forms and supporting documentation required for your claim can be uploaded to us at mytugo.com. This is the fastest way to send us documents and follow the status of your claim. 3 Any cost incurred to obtain documentation required to confirm eligibility of your claim, other than medical records requested by us is the responsibility of the claimant. 4 To receive benefits, any requested supporting documentation must be provided by the claimant, including but not limited to proof that the international student is enrolled in a school in Canada and participating in their studies at a school in Canada. Claim Forms will be provided to the claimant to complete and return to us. It is the claimant’s responsibility to complete and/or produce any documentation that we require to process and confirm the eligibility of the claim. 5 All required documentation must be received within one year from the date of loss. Failure to do so will result in the denial of the claim. 6 To qualify for reimbursement, itemized receipts must be provided as support for all eligible expenses. If itemized receipts are not provided, the expense will not be reimbursed. 7 If the claim is the result of a death, the following documents are required: a A copy of the death certificate b A copy of the Will or Power of Attorney c A police report, if applicable The claim forms must be signed by the Executor of Estate or the person who holds Power of Attorney. 8 Claims will not be considered unless the Claim Form is completed in full and signed by the claimant (or legally authorized representative). Failure to provide fully completed, original forms will invalidate your claim. 9 Only bills from physicians, hospitals and other medical care provider(s) that are itemized and which state insured’s name, diagnosis, date(s) of service and type of treatment or service will be considered. Only official pharmacy prescription receipts will be considered. For all other benefits, itemized receipts are required. 10 Any notices of claim or correspondence concerning a claim that require physical delivery can be sent to: Claims at TuGo 1200-6081 No. 3 Road Richmond, BC V6Y 2B2 Canada 34 International Assistance Services The following services will be provided to all insureds: 1 Toll-free help line 24 hours a day, every day (for medical emergencies only). 2 Vital communications link between claimant/hospital regarding insurance coverage and procedures. 3 Medical (physician and surgeon) consultative and advisory services including review of appropriateness and analysis of medical care. 4 Monitoring of progress during treatment and recovery. 5 Establishing contact with family, personal physician and/or employer as appropriate. 6 Multilingual capabilities. 7 Coordination of payments. 8 Special assistance respecting claims. 9 Management, arrangement and authorization of emergency medical evacuation. 10 Arrangement and coordination of the return of remains after death. 11 Interpretation of policy wordings. 12 Assistance in locating the nearest and most appropriate medical care. 13 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 family members. 15 Provision of medical assistant to travel with claimant when necessary. 16 Physicians, hospitals/administrators and ambulance arrangements and communications. 17 Assistance on how to contact: • Consulates and embassies • Airlines • Travel or booking agents • Police • Tour Guides • Foreign Affairs Department 18 Legal referral services in order to meet the legal needs of travellers. To access this service, please refer to the Contact Information section at the beginning of this policy wording tugo.com Insurance is administered by North American Air Travel Insurance Agents Ltd. doing business as TuGo®, a licensed insurance broker in all provinces and territories. The issuer of the contract is Industrial Alliance Insurance and Financial Services Inc. myTuGo®, Claims at TuGo® and TuGo® are registered trademarks owned by North American Air Travel Insurance Agents Ltd. doing business as TuGo®. student_inbound_02pw_2025-07 ed: 2025-07