Claim Stories
Real-Life Traveller Claim Stories:
Visitors to Canada
Mariana avoided paying $72,000 for a hip injury while visiting Canada
Destination: Lethbridge, Alberta
Mariana, a 77-year-old from Italy, was visiting her grandson in Lethbridge, Alberta, whom she hadn’t seen in some time. During her stay, she lost her balance and fell, unable to get up. Concerned, her grandson and family quickly called an ambulance, which rushed her to the hospital.
At the hospital, doctors diagnosed Mariana with a broken hip that required surgery. She remained in hospital care for ten days before being discharged to her grandson’s home. To support her recovery and mobility, Mariana was provided with a walker to help her move safely around his house.
Mariana was immensely grateful that her grandson had thoughtfully purchased Visitors to Canada Insurance before her arrival. This allowed her to receive the necessary care and saved her from spending $72,000 on out-of-pocket medical expenses. The insurance coverage provided peace of mind, ensuring that medical concerns did not overshadow the joy of her visit.
|
Hospital Fees |
$61,350.00 |
|
Doctors’ Fees |
$8,607.65 |
|
Ambulance fees |
$585.00 |
|
Prescriptions |
$253.68 |
|
Walker |
$1,068.61 |
|
Follow up appointment |
$1,152.90 |
|
Deductible |
$1,000.00 |
Amount paid by TuGo |
$72,017.84 |
These examples are based on actual claims with specific traveller details changed to protect privacy.
Visitors to Canada
Elena avoided paying $85,000 for a broken leg by having travel insurance
Destination: Hamilton, Ontario
During her visit to family near Hamilton, 68-year-old Elena was enjoying her time in Canada. One day, while walking down the stairs, she suddenly lost her footing and fell. She was unable to get back up, so her family called an ambulance, and Elena was rushed to the hospital.
At the hospital, doctors discovered she had broken her leg and required surgery to repair the injury. After the operation, Elena began her recovery under medical supervision. Because of the severity of her injury, Elena needed ongoing care and had a follow-up visit with her doctor, which included x-rays and assessments to ensure she was safe to return home with the help of a family member.
Luckily, Elena had the foresight to purchase TuGo’s Visitors to Canada Insurance before leaving Croatia to visit her sister, because it covered the cost of her medical bills and helped her get the medical care she needed to recover.
|
Hospital Fees |
$77,053.65 |
|
Doctors’ Fees |
$4,100.00 |
|
Follow up appointment |
$945.00 |
|
Family Member’s airfare |
$2,765.95 |
|
Prescriptions |
$97.02 |
|
Fracture benefit |
$1,000.00 |
Amount paid by TuGo |
$85,961.62 |
These examples are based on actual claims with specific traveller details changed to protect privacy.
Real-Life Traveller Claim Stories:
Super Visa Insurance
Heart attack would’ve cost Ramon over $175,000 without travel insurance
Destination: Abbotsford, BC
During his trip from the Philippines to visit family in Abbotsford, 72-year-old Ramon was enjoying a peaceful stay—until he began experiencing chest pain and shortness of breath that lasted for 24 hours. Out of concern, his family rushed him to the local emergency department.
Doctors quickly determined that Ramon needed specialised care and transferred him to a hospital in Surrey. There, he underwent a heart procedure to restore blood flow and received six stents. Fortunately, Ramon’s recovery was smooth—he spent just two days in hospital before being discharged to continue his visit in Canada. Ten days later, he had a follow-up appointment with a local doctor to ensure he was healing well.
Thankfully, before Ramon’s journey, his family purchased $200,000 Super Visa Insurance for him. This essential coverage took care of his hospital stay, procedure, and follow-up visits, saving him over $175,000 in medical costs that could have been financially devastating without travel insurance.
|
Hospital Fees |
$163,176.00 |
|
Doctors’ Fees |
$11,186.00 |
|
Prescriptions |
$95.60 |
|
Ambulance |
$848.00 |
Amount paid by TuGo |
$175,305.60 |
These examples are based on actual claims with specific traveller details changed to protect privacy.
Super Visa Insurance
Heart pacemaker emergency could have cost Marco over $100,000 without travel insurance
Destination: Halifax, Nova Scotia
Marco, an 86-year-old visitor from Italy, was staying with family in Halifax for an extended visit. As his trip was nearing its end, he developed a persistent cough and went to a walk-in clinic where lab tests were performed. Two days later, the doctor called to inform him of a heart abnormality and advised that he go to the emergency room immediately.
At the hospital, doctors found that Marco was experiencing irregular heart rhythms and needed a pacemaker implanted to regulate his heartbeat. His family asked if the procedure could wait until he returned home, but the medical team said it was too risky to delay. The pacemaker was successfully implanted in Halifax, stabilizing his condition.
Though the recovery process was difficult for Marco, he was thankful that he had Super Visa Insurance. He chose a sum insured of $100,000, which was paid by TuGo, leaving Marco and his family with a significantly more manageable out-of-pocket balance of just over $15,000.
|
Hospital Fees |
$111,811.00 |
|
Clinic fees |
$250.00 |
|
Laboratory fees |
$420.00 |
|
Doctor’s fees |
$3,353.70 |
Amount paid by TuGo |
$100,000.00 |
|
Out of pocket expenses |
$15,834.70 |
These examples are based on actual claims with specific traveller details changed to protect privacy.
Real-Life Traveller Claim Stories:
International Students Studying in Canada
Student’s Lupus diagnosis in Canada leads to $39,500 in covered medical costs
Destination: Brampton, ON
22-year-old Priya, an international student from India, was attending school in Brampton, Ontario, when she began experiencing severe urinary issues and heavy vaginal bleeding. Concerned, she went to the emergency department, where doctors discovered she was severely anemic.
Priya was admitted for further testing, and over the next several days, specialists confirmed she had Lupus—an autoimmune disease requiring ongoing care. She spent ten days in hospital receiving treatment before returning to India to continue recovery closer to family.
Thankfully, Priya made the decision to purchase travel insurance before she came to Canada. With her TuGo Student Insurance coverage, all of Priya’s medical costs were covered, saving her over $39,500 in out-of-pocket expenses.
|
Hospital Fees |
$38,525.00 |
|
Doctors’ Fees |
$222.90 |
|
Laboratory fees |
$201.00 |
|
Prescriptions |
$562.36 |
Amount paid by TuGo |
$39,511.26 |
These examples are based on actual claims with specific traveller details changed to protect privacy.
International Students Studying in Canada
International student avoids paying over $36,000 in medical bills thanks to travel insurance
Destination: Québec City, Quebec
Kainalu, a 30-year-old international student, was studying in Québec City when he began experiencing intermittent headaches for a week. One afternoon, the headache suddenly intensified, and Kainalu collapsed, shaking uncontrollably. His roommate quickly called an ambulance, and he was rushed to the hospital.
After thorough testing, doctors discovered a small abnormality in a blood vessel in his brain. Surgery was not required, and Kainalu was treated and discharged after six days, with instructions to follow up with a neuro specialist.
About a month later, while moving furniture at home, Kainalu dislocated his shoulder. He returned to the ER, where doctors were able to put it back into place and fitted him with a shoulder sling. He was discharged the same day.
Fortunately, Kainalu purchased TuGo Student Insurance before arriving in Québec City. This coverage took care of all his medical expenses, so he could focus on getting the care he needed without worrying about the cost. His emergency medical bills totalled $36,900, and he didn’t have to pay out of pocket.
|
Hospital Fees |
$33,372.78 |
|
Ambulance fees |
$405.25 |
|
Doctor’s fees |
$2,017.85 |
|
Padded shoulder sling |
$1,144.24 |
|
Follow up appointment |
$26.10 |
Amount paid by TuGo |
$36,966.22 |
These examples are based on actual claims with specific traveller details changed to protect privacy. International Students Studying in Canada
Isabella avoided $5,700 in medical and dental bills while studying in Canada
Destination: Edmonton, Alberta
Isabella, 24, travelled from Colombia to study Biology in Edmonton. Midway through her semester, she developed severe tooth pain that quickly worsened, making it hard to concentrate on her studies or attend classes. A visit to the dentist revealed a dental abscess requiring a root canal procedure.
About a month later, Isabella began vomiting and experiencing abdominal pain. Concerned, she went to the emergency room. After a thorough evaluation, doctors diagnosed her with a stomach infection. She was admitted for observation, received antibiotics, and was given prescriptions to continue her recovery at home.
Navigating medical and dental emergencies in a foreign country can be stressful—but Isabella had TuGo Student Insurance. Her coverage took care of both her dental treatment and hospital care for the stomach infection, saving her $5,700 in unexpected medical expenses. This allowed her to focus on her studies and recovery without the added worry of costly bills.
|
Claim 1 |
|
|
Dental treatment |
$600.00 (Benefit Limit) |
|
Prescription |
$57.77 |
|
Claim 2 |
|
|
Doctor’s fees |
$4,100.00 |
|
Prescription |
$80.67 |
|
Laboratory fees |
$865.00 |
Amount paid by TuGo |
$5,703.44 |
These examples are based on actual claims with specific traveller details changed to protect privacy. 