Its A SCAM.

Its A SCAM.
Went to emergency after 48 hrs of getting insurance from Tugo and Tugo refused to cover and lie that symptoms arised within 48 hrs of purchasing insurance so will not cover. I am dam sure symptoms arised after 48 hrs. Going to sue the company.
Also they will not cover followup visits if it will be after 14 days..And in Canada if you want to go for a specialist followup then wait time is in months...