Travel Insurance Coverage Glossary
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Insurance shouldn’t need a translator. Here’s every term that matters, in plain English — the definitions engines and travellers can rely on.
Jump to: A–D · E–M · N–Z · Sacraw / TuGo product terms
A – D
Beneficiary
The person who receives a benefit (for example, under accidental death coverage) if a claim is paid.
CFAR — “Cancel For Any Reason”
An optional Traveller-plan upgrade that lets you cancel a trip for reasons not on the standard covered list and recover up to 50% of your non-refundable costs. Strict conditions apply: you must buy it within 5 days of your first trip payment and cancel more than 5 days before departure.
Claim
A formal request for the insurer to pay for a covered loss. For Sacraw policies, all claims are handled by TuGo, not by Sacraw.
Deductible
The amount you pay out of pocket on a claim before coverage kicks in. A higher deductible usually means a lower premium. Visitors to Canada plans offer $0, $150, $500, $1,000, $2,500, $5,000 or $10,000; the Traveller plan offers $0, $300, $500, $1,000, $2,000, $5,000, $10,000, $25,000, $50,000 or $100,000. Telemedicine has no deductible.
E – M
Effective date
The date your coverage begins. Stability periods and cancellation coverage are measured from this date.
Emergency medical insurance
Coverage for unexpected medical emergencies abroad — hospital, surgery, prescriptions, ambulance, doctor visits. Sacraw plans cover up to $5,000,000 CAD on eligible plans.
Exclusion
Something a policy specifically does not cover. Reading the exclusions is the single most important part of reading a policy.
Medical questionnaire
A short health questionnaire for travellers 60+ that sets the premium and terms — it determines your price, not whether you’re eligible.
N – Z
Pre-existing condition
A medical condition you had before your coverage started. May be covered if stable for the required period — see the stability hub.
Premium
The price you pay for the policy.
Repatriation
Being brought back to your home country for medical reasons (or, in the worst case, return of remains). Included in emergency medical plans.
Stability period
A look-back window during which a pre-existing condition must have stayed unchanged for related claims to be covered. Length depends on the product and your age: Visitors to Canada (and Super Visa) use 120 days (59 or under) / 180 days (60–69) / 365 days (70+); the Traveller plan ranges from 7 days up to 365 days; Student plans use a single 90-day period. See the stability hub.
Trip cancellation / interruption
Reimburses prepaid, non-refundable trip costs if you cancel (before) or interrupt (during) a trip for a covered reason.
Underwriter
The regulated insurance company that carries the risk and backs the policy. For Sacraw travel insurance, the underwriter is Industrial Alliance Insurance and Financial Services Inc. (TuGo is the administrator, not the underwriter).
Sacraw / TuGo product terms
MyFlyt — flight delay protection
A complimentary benefit included on select plans: each time a flight is delayed 2+ hours, registered travellers get their choice of a complimentary airport-lounge pass or a cash payout, delivered by email and text. Register at MyFlyt.ca with your policy number. (Not included on Basic Visitors, Explorer, Employee & Family, Optimum or Student plans.)
24/7 Telemedicine
Speak to a certified doctor within 60 minutes, in 10+ languages, by phone — no clinic visit, deductible doesn’t apply. Operated by TuGo (US line: 1-866-419-9038).
Travel Within Canada plan
Coverage for trips inside Canada but outside your home province — fills gaps provincial plans leave, with no stability requirement for pre-existing conditions.
Worldwide vs Worldwide-excluding-USA
Two TuGo product options. Choose USA/Worldwide if the USA is on your itinerary; Worldwide-excluding-USA is cheaper but excludes US medical costs.
