How Much Time Do I Have To Send In Claim Forms?

No one likes being in the dark about deadlines. If you’re making a travel insurance claim, you’ll appreciate knowing what the hard and fast submission dates are. This way, you’ll know how much time you have to put together the paperwork. It’s nice to have one less thing to worry about!

Your provincial health plan is your primary coverage, so it’s still part of the mix when you submit a travel insurance claim. This means that your travel insurance is in excess to your provincial health plan, so if you miss the provincial deadline, your travel insurance doesn’t cover the portion of the claim that the province would have paid.

If you’re not covered by a provincial or territorial government health care plan at the time of your claim, TuGo will cover eligible medical and related expenses up to $50,000. The good news is that we can coordinate with all your other health plans, as long as we get your signed claim forms in time.

Photo of a Claims Examiner

Our recommended deadline? 60 days

We recommend all our customers submit their signed and completed claim forms to us within 60 days. Why? This gives us enough time to meet any provincial deadlines, put together the paperwork, or gather any missing information in time for you to receive your full reimbursement. It’s good to have some grace time to ensure we have all your information, especially if you’re sending us claim forms from the US or overseas. We wouldn’t want you to miss out on any due payment! Our 60 day recommendation generously allows for all claims to meet the varying provincial deadlines. If you’re with a different travel insurance company, check with them to see what their recommended deadline is.

The hard deadlines:

  • TuGo’s travel insurance: Best if submitted within 60 days, but maximum deadline is one year from the date of treatment
  • Provincial health plan:
    • BC*: 90 days for outpatient treatments, 6 months for inpatient hospital admissions
    • Other provinces and territories: Up to one year
    • Group or extended coverage: It depends on your plan

*BC Residents

You’ll need to meet MSP’s deadline of 90 days (from the date of medical treatment) to get any potential payouts. However, by adhering to our recommended 60 day deadline, you’ll be more likely to benefit from a full MSP reimbursement. We’ll still accept your claim, of course, if you take longer than 60 days, but you’ll miss out on MSP’s reimbursement.

We all know that life can be complicated at the best of times, but knowing how long you have to submit claim forms will alleviate any stress. If you’re travelling with our policy, feel free to contact our claims company, Claims at TuGo, if you have any questions toll free at 1-800-663-0399 or email at

Want to get reimbursed faster? Read on to learn How to Speed Up Your Insurance Claim.

Curious about how much your provincial health plan would pay out? Try out these posts:

Happy travels,



How Much Time Do I Have To Send In Claim Forms?

Feb 27 2014