Real-life student story | Taylor’s Travel Insurance Claim Experience


What’s not to love about studying abroad? It’s a thrilling adventure of learning and self-discovery. As with all things, there will be challenges at times, but medical bills shouldn’t be one of them. This is especially the case if you’re a Canadian studying in the United States, where the cost of medical care can skyrocket quickly. 

Take Taylor’s* story, for example—Taylor was hospitalized in Austin, Texas, and his medical bills came to over $40,000. Read on to learn more about how, with TuGo’s Student Insurance, Taylor and his family didn’t need to pay this huge, unforeseen medical cost out-of-pocket.

Red sign that says ‘EMERGENCY’

Canadian student studying in Texas suffers from heart inflammation 

21-year-old Taylor was studying abroad in Texas when he developed a sharp pain in his chest. He went to a small, rural hospital nearby. Taylor had no prior cardiac history, but while at the hospital, the doctors decided to transfer Taylor to a larger hospital in Austin as the doctors were concerned that a heart attack may have caused the pain. 

After getting multiple tests and an angiogram, the doctors discovered that Taylor was suffering from myocarditis—inflammation around the heart—likely caused by a recent cold. 

Model organ of the human heart

How student medical insurance saved over $40,000 in the US

Taylor was given antibiotics and stayed at the hospital overnight. Luckily, before he left for the US, Taylor’s parents purchased Student Travel Insurance for Canadians to ensure he was covered for unexpected emergencies. Without the insurance, Taylor and his family would’ve needed to pay $43,521.19 out-of-pocket. 

Study abroad with TuGo Student Insurance

Wherever you’re headed to study, it’s important to get the appropriate travel medical coverage. Emergencies can happen to anyone. That’s why you should learn what medical emergencies are and understand your insurance policy before travelling. Unsure how claims work? We’ve debunked 3 common myth claims for you. 

Questions about family travel insurance coverage? Leave us a comment below!  

Safe travels,

*Based on actual claim with specific traveller details changed to protect privacy.


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