Terms & Conditions

ALL PERSONS INSURED ARE SUBJECT TO THE TERMS AND CONDITIONS BELOW.

Important information

This document does not constitute the entire insurance policy and you have been advised to read the policy booklet for full details on coverage and exclusions.

• We invite you to verify if you do not have other insurances that may include guarantees similar to this product (eg.: group insurance). If this is the case, we suggest to discuss it with your representative broker/advisor.
• You understand that the medical conditions disclosed on this application may not be covered and that details of when pre-existing conditions are covered are set out in the policy booklet.
• A pre-existing condition exclusion may apply to you. Read the policy booklet for details on the pre-existing condition exclusion that may apply to you.
• You understand and accept that iA Financial Group, its affiliates and their agents may use and share your personal information with each other so that you can benefit from personalized offers and improved products and services. (If you do not wish your information to be shared within the iA Financial Group, please notify us by mail to iA Financial Group, Individual insurance, Policyowner Services (ISR 2542) 1080 Grande Allée West PO Box 1907, Station Terminus, Quebec City, Quebec G1K 7M3).
• You agree that the electronic transmission of documents is not completely safe and that the confidentiality of the information contained in the documents cannot be guaranteed; sensitive information send electronically could be read or copy by non-authorized persons. You further agree that it is your responsibility to provide your electronic devices that you use to transmit or receive documents with an antivirus software or any similar software. 
• You agree that clicking on certain buttons stating “yes”, “next”, “confirm”, “continue”, “I accept” and any other similar descriptions, will constitute your signature and confirm your intention to purchase online a Student policy once you have received an acceptable quote you consider that meets your needs.
• You hereby authorize any hospital, physician or other person or organization that has records or knowledge of your health or medical history to provide that information to us (as defined in the policy booklet) to use and disclose that information to determine whether any claim that may be made is covered by this policy or by another plan or policy.
• You or any representative purchasing insurance on your behalf consent to TuGo and Claims at TuGo collecting, using and disclosing your personal information for the purposes of approving your insurance application, confirming coverage and/or benefits, processing your claims as well as informing you of other products and services offered by TuGo and its affiliates. You have read and agreed to TuGo’s Privacy Policy, which is available at https://www.tugo.com/en/privacy/.
• You may already have travel insurance through another insurance provider (e.g., a credit card or group plan). However, this may not provide adequate coverage for your trip.
• Coverage under this Policy will be void if you do not meet the eligibility requirements for the plan selected. Coverage under this Policy will be void if there is any misrepresentation or concealment of or failure to disclose any facts asked at the time of application. 

I, the advisor, hereby confirm that I have informed the customer(s) who dealt with me when purchasing the policy of the terms and conditions set out above and believe that customer or customers understand them. I have also explained to the customer(s) who dealt with me the need to read the policy booklet, discussed the terms and conditions with the other customer(s) named in the application, and advised the other customer(s) to contact me if they have any questions. Please note that signing the terms and conditions is optional. You may choose to ask for signatures for your records.

I hereby confirm that I have disclosed the names of the companies I am representing, that I am receiving a compensation in the form of commission for the sale of insurance products, that I might receive an additional compensation in the form of bonuses, congress attendance or other incentives, and any conflict of interest which could arise in connection with this transaction.