🏥 How Emergency Medical Coverage Works with Your Provincial & Extended Health Plans (KOHO, Koodo, Telus – TuGo)

TuGo’s emergency medical travel insurance is considered excess coverage — which means it coordinates with your provincial health care plan (like OHIP, MSP, etc.) and any extended health benefits you may have.

Instead of paying first, TuGo pays after your other coverage has contributed. It will then cover any remaining eligible expenses that aren't reimbursed by your provincial or extended plans — up to your policy’s limits.

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🧾 Example:

Let’s say you have a medical emergency while abroad:

Your provincial plan covers part of the hospital bill

Your employer’s group health insurance picks up another portion

TuGo steps in to cover what’s left (eligible expenses only)

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📄 Where This Is Explained in the Policy:

This is outlined under General Conditions, page 48 of the TuGo policy:

“Unless otherwise stated in this Policy, this Insurance is excess to all other valid insurance… All coordination follows the guidelines set by the Canadian Life and Health Insurance Association. You may not claim or receive more than 100% of your total covered expenses.”

📄 View the full TuGo Travel Insurance policy (PDF)

Updated on: 17/04/2025