Start with the details that matter
TuGo fit depends on age band, Basic eligibility, medical stability, optional add-ons, and timing.
Plan fit
Standard vs Basic, plus add-ons for the parent's profile.
Medical wording
Age-banded stability and the optional unstable pre-existing add-on.
Cost and timing
Waiting period, maternity, AD&D, and cancellation-fee details.
TuGo Pre-Existing Conditions at a Glance
- Underwriter
- Industrial Alliance (iA Financial Group)
- Approach
- Age-banded stability windows
- Windows
- 90 / 120 / 180 / 365 days by age band
- Optional add-on
- Unstable Pre-Existing coverage (age 79 or under)
- Also underwrites
- Secure Travel (same iA underwriter)
How TuGo Handles Pre-Existing Conditions
TuGo's standard Visitors to Canada plan uses an age-banded stability table — the older the applicant, the longer a pre-existing condition must have been stable before the effective date. A condition that meets the applicable window may be eligible for coverage; one that does not is excluded.
For applicants age 79 or under, TuGo also offers an optional Unstable Pre-Existing Medical Condition add-on for conditions that do not meet the standard table. Timing matters too: whether the policy is bought before or after arrival can affect which rules apply, so confirm the timing with our advisor.
TuGo Pre-Existing Stability Window by Age
| Applicant age | Stability window required |
|---|---|
| 59 and under | 90 days |
| 60 to 69 | 120 days |
| 70 to 85 | 180 days |
| 86 and older | 365 days |
Reflects TuGo's reviewed Visitors to Canada wording (October 2025). An optional Unstable Pre-Existing add-on is available for applicants age 79 or under. Confirm current terms with your advisor.
What "Stable" Means
Most pre-existing coverage depends on a condition being "stable" for a set window before the trip — generally no new diagnosis, no medication or dosage change, no new or worsening symptoms, no pending tests, and no hospitalization. Our Pre-Existing Conditions Guide explains the full stability test; this page covers how TuGo specifically applies it.
What to Confirm With TuGo
- The stability window for your parent's exact age band (90, 120, 180, or 365 days).
- Whether the optional Unstable Pre-Existing add-on is needed and the applicant is age 79 or under.
- Whether the policy is bought before or after arrival, which can affect how the rules apply.
- Whether complications of the main condition are covered or excluded.
FAQs
TuGo may cover a pre-existing condition that has been stable for the window required for the applicant's age band (90 to 365 days). An optional Unstable Pre-Existing add-on is available for applicants age 79 or under.
Information accurate as of October 2025
This page reflects the TuGo policy wording available to us as of October 2025 and is provided for general guidance only. Pre-existing condition rules, stability windows, eligibility, and plan wording can change. Confirm current terms with our advisor and review the policy wording before you buy.
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