🏥 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.

🧾 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)

📄 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.”

Waiting Period — Disease or Illness

⚠️ Did you purchase your policy within 48 hours of departing your home province? If so, there is no coverage for any disease or illness arising in, occurring in, or symptomatic during the first 48 hours from the effective date of the Policy.

This exclusion includes any related expenses incurred after the waiting period.

This waiting period applies only to disease or illness. It does not apply to accidents or injuries.

📄 View the full TuGo Travel Insurance policy (PDF)

Updated on: 04/06/2026