Like loyal TuGo customer, Ron, you’ve probably seen news through the years about some Canadians being caught with financially devasting journey medical payments attributable to medical questionnaire errors; if so, and you’re hesitant about buying protection for journey forward, this submit is for you. We’ll make it easier to perceive what a Medical Questionnaire (MQ) is, what TuGo’s MQ deductible is—if you by chance make a mistake, and the best way to right your solutions on the MQ—if that occurs.
What’s a Medical Questionnaire?
A Medical Questionnaire (MQ) is a sequence of questions associated to the well being of the traveller making use of for Emergency Medical Insurance coverage protection. TuGo requires travellers, 60 years and older, to finish the MQ which incorporates eligibility and charge qualification questions to find out the journey insurance coverage premium price.
Learn “TuGo’s Traveller Medical Questionnaire: FAQs for Senior Travellers” for extra info.
2 Methods to Assist Shield You When Answering the Medical Questionnaire
1. Make sure you’re eligible for journey insurance coverage protection.
You:
- Have to be a Canadian resident.
- Aren’t travelling in opposition to a physician’s or different registered medical practitioner’s recommendation.
- Haven’t been identified with a terminal situation.
- Aren’t receiving palliative care, or palliative care hasn’t been advisable.
2. Cowl your bases by reviewing the MQ together with your physician.
Download our Traveller MQ and fill it out your self. In the event you aren’t certain the best way to reply any of the questions, seek the advice of your physician for help.
Have a medical situation which will have an effect on your journeys? Read “How Unstable Pre-existing Conditions Impact Claims”, so that you simply don’t face any disappointing surprises.
What’s TuGo’s Medical Questionnaire Deductible?
It’s necessary to reply the MQ accurately; nonetheless, we perceive that unintentional errors or omissions can occur, making this one of the vital widespread causes claims get denied.
With our TuGo Traveller MQ, in the event you qualify for protection however occur to reply the MQ incorrectly, we received’t utterly deny your declare. As an alternative, we’ll apply a deductible (along with another deductible you might have chosen when buying the coverage). Though the deductible is $15,000 USD, it would make an enormous distinction in case your medical bills are within the tens, and even tons of, of 1000’s. You’d be stunned how fast the bills add up if something happens abroad; a $100,000 declare isn’t unusual, particularly within the US.
How can Medical Questionnaire Questions be corrected?
You’ll must right your MQ solutions to precisely mirror your well being standing. To take action, contact TuGo’s Customer Service team. Observe that an extra premium might apply.
Why would TuGo provide this deductible as a substitute of denying the complete declare?
Merely put: we care about our clients and their livelihoods. Having the monetary burden of a very denied declare might jeopardize that, and we wouldn’t need that to be the case. TuGo is without doubt one of the solely journey insurance coverage suppliers in Canada to handle this.
One final bit of recommendation—always read and understand your travel insurance policy. Sure, insurance policies will be prolonged; but when there’s ever something you don’t perceive, you may attain out to your insurance coverage skilled or journey insurance coverage supplier to have get the solutions it’s essential really feel assured about your protection.
Joyful travels,
Melissa
Editor’s Observe: This submit was initially printed in Could 2014 and has been up to date for freshness and/or accuracy.
