Tugo

* - I bought TuGo Travel Insurance (option Industrial Alliance) for 175 days for USA (FL) at the cost of $702.07 CAD but instead, I came back to BC 29 days before my planned trip of 175 days.
* - 3.5 months after the beginning of my stay in the USA I was coughing a lot for 4 weeks, so I paid for a doctor's visit at the CareSpot 2 times (($200 USD x 2) + Meds $33 USD).
* - My policy stated that the deductible was $300 USD, so they refunded me $133 USD converted into CAD.
* - TuGo told me if I claimed insurance, they wouldn't refund me the difference of 29 days earlier!
* - 3 things I didn't like about my experience:
* 1) TuGo sent the claim check to my BC's home instead of my Florida home.
* 2) TuGo forfeited the refund of the insurance cost for coming home 29 days earlier.
* 3) TuGo didn't send me an Insurance card to be used in the USA to be used in an Emergency case, I.e. That in an Emergency case, I would have to pay from my own pocket, which could be a lot before I could make a claim to get back the money.
* 3a) Travel insurance like Medipac used to send out an insurance card so that in Emergency cases when I was unconscious the hospital would talk directly to Medipac.