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.

• 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 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. 
• Claims at TuGo® is a registered trademark owned by North American Air Travel Insurance Agents Ltd. doing business as TuGo®.   

I, the broker, hereby confirm that I have informed the customer 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.