As a seasoned traveler over 60, you understand the importance of having comprehensive travel insurance. TuGo® Travel Insurance offers coverage specifically designed for seniors like you. To ensure accurate pricing, they require you to complete a Medical Questionnaire (MQ). We've compiled some frequently asked questions about the MQ to help you navigate the process effortlessly.
Canadian Travellers' FAQs Answered
What Defines a "Medical Condition"?
In TuGo's Traveller policy wording, a "medical condition" is defined as any disease, illness, injury, or even symptoms of undiagnosed conditions. It's crucial to provide accurate information about your medical history to ensure proper coverage.
Does Completing the MQ Grant Coverage for Pre-Existing Medical Conditions?
No, answering the Medical Questionnaire determines your insurance premium, not coverage for pre-existing medical conditions. If you require coverage for such conditions, reach out to your local insurance broker or TuGo's Customer Service team for assistance at 1-855-929-8846.
Talk to your doctor if there are questions you're unsure about answering.
What About Preventative Medications?
If you haven't been officially diagnosed with a heart condition, there's no need to account for the preventative medication, such as aspirin, prescribed by your doctor. Only existing conditions should be included in the MQ.
Should I Include Conditions That Don't Require Treatment?
Yes, conditions like arthritis, which don't require ongoing treatment, should still be disclosed in the Medical Questionnaire. Remember to tick the appropriate box for any conditions you have, regardless of treatment requirements.
How to Answer Question #3 Accurately?
If you have been diagnosed with high cholesterol within the last 12 months, regardless of receiving treatment, you should indicate this in your response to Question #3. The rule applies to any condition listed in this question. If you're unsure about a specific condition, it's advisable to consult your doctor before completing the MQ.
What About Nicotine-related Questions?
If you haven't smoked or vaped nicotine products in the past 12 months, you can answer "No" to Question #5, even if you're using nicotine patches or gums. These products don't count as tobacco or nicotine usage. However, if you smoke or ingest cannabis products instead, you should also respond "No" to this question.
TuGo understands that mistakes can happen when completing the MQ, despite your best efforts. Unlike other providers who may void coverage, TuGo offers a safeguard. In case of errors, they review your claim and apply a $15,000 USD deductible, rather than leaving you entirely out-of-pocket for the claim amount.
If you have any unanswered questions, feel free to share them in the comments section below. TuGo is committed to being there for travelers like you when you need them the most.
Safe and healthy travels,
Melissa
