who underwrites tugo travel insurance

HelloSafe » Travel Insurance » TuGo

Is TuGo Travel Insurance right for you? Review 2024

verified information

Information verified by Alexandre Desoutter

Our articles are written by experts in their fields (finance, trading, insurance etc.) whose signatures you will see at the beginning and at the end of each article. They are also systematically reviewed and corrected before each publication, and updated regularly.

Finding good travel insurance that offers comprehensive coverage is a daunting task. They always lack one thing or the other. But we've got you covered.

Among the host of options available in the market, TuGo travel insurance could be an option to consider. But is it the right fit for you?

To help you with that, we bring you this review of TuGo travel insurance, its coverage, pros and cons, claims process, and everything you need to know. You can also compare its coverage with different providers and get quotes so you can get a travel insurance that suits you the best.

TuGo travel insurance: 5 Key Takeaways

It offers comprehensive coverage, including emergency medical expenses, trip cancellation/interruption and baggage loss.
TuGo's plans offer many advantages, such as ease of purchase and multi-trip options.
TuGo's MyFlyt Service grants travellers automatic access to airport lounges at no cost.
TuGo has specific guidelines for coverage of pre-existing medical conditions.
Compare coverage of different providers and get free quotes using HelloSafe comparator.

Our review of TuGo travel insurance Canada

TuGo Travel Insurance is a reputable travel insurance company based in Canada, which offers various insurance plans to cover individuals, families and businesses during their trips.

But who underwrites TuGo travel insurance? TuGo Travel Insurance is underwritten by Industrial Alliance Insurance and Financial Services Inc. (iA Financial Group), one of Canada's largest insurance and financial services companies.

TuGo provides coverage for emergency medical expenses, trip cancellation/interruption, baggage loss and other travel-related incidents. It provides generous emergency medical coverage of $10 million and also provides the Cancel for Any Reason (CFAR) upgrade . Unlike other insurance, TuGo covers adventurous sports through an optional rider.

TuGo is an ideal travel insurance for snowbirds or frequent young travellers who also seek adventure activities, however it's all-inclusive plans are only available for those aged 59 years and under, making it not the best choice for older adults.

We have collated the top pros and cons of TuGo travel insurance in Canada to help you make an informed choice. Take a look here!

Comprehensive coverage
Emergency medical coverage
Multi-trip plans for frequent travellers
Ease of purchase — online or through their customer service representatives
High premiums
Pre-existing conditions (unstable) not covered
Delays or difficulties in claims as per TuGo travel insurance reviews
Age limit of 59 for all-inclusive package
People above 59 need to take medical questionnaire

If you think TuGo could be the right choice for you and you'd like to explore the plans, you can do so by getting a free personalised quote right here in no time.

Types of TuGo travel insurance

Tugo travel insurance for seniors.

Travel insurance for seniors is designed specifically for senior Canadians or older travellers. It provides coverage for emergency medical expenses, trip cancellation/interruption, baggage loss and other travel-related incidents. Since seniors may have unique health considerations, this plan may include specialized medical coverage suitable for their age group.

TuGo student travel insurance

Geared towards students travelling internationally for study abroad programs or other educational purposes, this insurance plan covers emergency medical expenses, medical evacuation and other travel-related contingencies. It aims to offer affordable and comprehensive coverage for young travellers pursuing educational opportunities overseas.

TuGo travel insurance for Canadian citizens

This type of coverage is tailored for Canadian citizens travelling within Canada or abroad. It provides coverage for medical emergencies, trip cancellations, baggage loss and other unforeseen events that may occur during their travels.

TuGo travel insurance for visitors

If you are a non-resident or visitor to Canada, TuGo offers travel insurance plans designed to provide coverage during your stay in the country. This plan includes emergency medical coverage, trip cancellation/interruption and other benefits for visitors to Canada.

TuGo travel insurance coverage: What does it cover?

The specific coverage may vary depending on the plan you choose, but here are some common types of coverage that TuGo Travel Insurance typically provides:

Emergency medical coverage: This coverage takes care of medical expenses if you experience an injury or sudden illness during your trip. It can include hospitalization, doctor's visits, prescription drugs and emergency medical evacuation if required.
Trip cancellation and interruption: If you need to cancel or cut short your trip due to covered reasons such as illness, injury or other unforeseen events, this coverage can reimburse you for non-refundable trip expenses.
Baggage loss and delay: This coverage compensates you for lost, stolen or damaged baggage during your trip. It may also offer benefits for delayed baggage, providing funds for essential items while waiting for your luggage to arrive.
Travel delay: If your trip is delayed for a specified period due to reasons beyond your control (e.g., inclement weather or airline strikes), TuGo may provide reimbursement for additional expenses incurred during the delay.
Accidental death and dismemberment (AD&D): In the unfortunate event of accidental death or permanent injury during your trip, this coverage can provide financial benefits to you or your beneficiaries.

Some TuGo travel insurance plans may offer coverage for rental car-related incidents, such as collision damage or theft. Also, TuGo includes round-the-clock travel assistance services to help travellers with emergencies, medical coordination and travel-related inquiries. TuGo also covers Covid-related travel insurance needs.

TuGo medical questionnaire for travellers over 60

It’s a standard part of the insurance application process to help the insurance provider assess the traveller's health status and determine if any pre-existing medical conditions need to be considered for coverage. The questions in the questionnaire typically inquire about pre-existing medical conditions, medical history, medications, overall health status and more.

What is TuGo MyFlyt Service?

It grants you automatic access to an airport lounge when your flight faces a delay of two hours or more. To avail this benefit, you need to register your flight at least one hour before the originally scheduled departure time.

In the rare event that the airport lounge is overbooked or unavailable, you will receive a prompt $40 cash payout via Interac, PayPal or bank transfer. Bank transfers may take up to 72 hours, depending on your bank.

This valuable service from TuGo comes at no additional cost and is accessible to all individuals covered under TuGo travel insurance, even without trip interruption coverage. Tugo travel insurance reviews from customers claim this service adds great value to their experience.

We recommend that you compare the coverage of TuGo travel insurance with other providers before deciding what's best for you. You could simply use our comparator below to compare coverages of different insurance providers and also get free quotes.

Compare the best travel insurance plans on the market!

What is not covered by TuGo travel insurance?

Again, the exclusions may depend on your insurance policy. You may get some extra coverage options as add-ons by paying more, but here are some common examples of what might not be covered by TuGo Travel Insurance:

Pre-existing medical conditions
High-risk activities, such as skydiving and bungee jumping
Non-medical evacuation
Intoxication and substance abuse
Travelling against medical advice
Loss of unattended belongings
Incidents related to acts of war, terrorism or civil unrest
Self-inflicted injuries

How does coverage of TuGo travel insurance pre-existing conditions work?

TuGo has specific guidelines regarding coverage for pre-existing medical conditions. To be eligible for coverage, a medical condition must be considered stable for a defined period.

A medical condition is considered stable when the following conditions are met:

No deterioration of the medical condition, as confirmed by a physician or registered medical professional.
No new symptoms or findings, nor an increase in frequency or severity of existing symptoms or findings.
No change in treatment by a physician or registered medical practitioner.

TuGo will not provide benefits or services in the following situations:

For those aged 59 years and under, on trips <35 days, any medical condition that is not stable within seven days before departure.
Meanwhile, for people aged 59 years and under, on trips >35 days, any medical condition that isn't stable within 90 days before departure.
For those aged 60 years and over, on trips of any length, any medical condition that is not stable within 180 days before departure.

How much does TuGo travel insurance cost?

Several factors, including the trip cost, your age, and the selected coverage amount influence the plan pricing. Here's a sample quote for your reference to give you an idea of the expenses:

If you'd like to compare the prices of TuGo policies with others, you could use our comparator below to compare coverages, pricing and offers of the best travel insurances in Canada and also get free quotes in no time.

How to file a claim with TuGo travel insurance?

To initiate a claim, access the online claim system at myTuGo.com. Then, simply log in using your policy number. Complete the necessary forms, which can be printed and submitted via email or mail. TuGo advises submitting your claim form within 60 days from the date of treatment. Here’s what you can do to make a claim in different cases:

Making emergency medical claims

Provide detailed information, ensuring that you include all itemized bills and receipts, containing:

Your full name
Date(s) of service
Amount charged
Types of service/diagnosis
Prescriptions with itemized pharmacy-issue receipts

Making trip cancellation/interruption claims

Keep the following documents handy for submission:

Original unused tickets or e-tickets
Original invoices and receipts from your travel suppliers with proper dates and amounts
Copy of originally scheduled travel itinerary
Proof of cancellation from all airlines, hotels, tour operators, cruise lines and other travel suppliers for unused expenses
A statement from travel agency, airline or travel supplier documenting their refund policy, with copies of all refunds and/or credits for cancelled or unused expenses
A medical certificate for any claim before departure, stating the diagnosis, onset of symptoms, dates, type of treatment and the reason why travel was not possible. If the claim is after departure, provide the reason why it was necessary to interrupt the trip.

Making baggage insurance claims

Get the following documents ready for submission:

Proof that lost, stolen or damaged baggage was reported to relevant authority (e.g., police, hotel manager, vacation rental, airline)
Some proof of loss — a police report will do
A written estimate from a repair shop on the repair cost (if baggage is damaged)

How to contact TuGo travel insurance?

In case of an emergency, call TuGo on the following numbers:

From Canada and USA call TuGo travel insurance phone number: 1 800 663-0399
From Mexico: 001 800 514-9976 / 800 681-8070
Worldwide (collect): 604 278-4108

For claims, you can call 1-800-663-0399 or email TuGo at [email protected] . For all other travel insurance inquiries, use this number 1-855-929-8846 or email [email protected] .

Save up to 25% on your travel insurance with our partner soNomad

Get a quote

1-888-550-8302

Sunny has over six years of experience curating engaging content spanning across industries. Specifically in finance, his expertise is insurance reviews and lending and investment topics.

This message is a response to . Cancel

Travel Insurance

The Forbes Advisor editorial team is independent and objective. To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive payment from the companies that advertise on the Forbes Advisor site. This comes from two main sources.

First , we provide paid placements to advertisers to present their offers. The payments we receive for those placements affects how and where advertisers’ offers appear on the site. This site does not include all companies or products available within the market.

Second , we also include links to advertisers’ offers in some of our articles. These “affiliate links” may generate income for our site when you click on them. The compensation we receive from advertisers does not influence the recommendations or advice our editorial team provides in our articles or otherwise impact any of the editorial content on Forbes Advisor.

While we work hard to provide accurate and up to date information that we think you will find relevant, Forbes Advisor does not and cannot guarantee that any information provided is complete and makes no representations or warranties in connection thereto, nor to the accuracy or applicability thereof.

TuGo Travel Insurance Review 2024

Updated: Jan 12, 2024, 6:25am

TuGo offers an impressive suite of travel insurance plans with the ability to pick and choose what benefits you need, as well as several options for upgrades. With $10 million in emergency medical benefits, including generous provisions for fractures, paramedical services, replacement of prescription glasses and even a child born on your trip, TuGo offers comprehensive coverage in case of emergencies. The Cancel for Any Reason (CFAR) upgrade provides peace of mind in case something forces you to cancel your trip, while access to an airport lounge after a two-hour delay offers some comfort when faced with a common travel hiccup. For these reasons and more, TuGo stacks up as a solid choice for any traveller.

Generous emergency medical benefit
Customizable coverage options
Cancel For Any Reason upgrade
Adventurous sports optional rider
Access to an airport lounge after a two-hour delay
Some lower limits than other plans
Maximum age for the all inclusive package is 59 years old
Medical questionnaire required for those 60 years and older

About tugo travel insurance, what travel insurance does tugo offer, tugo travel insurance plans, summary: plan comparison, tugo travel insurance cost, comparing tugo travel insurance with other insurers, optional add-ons for tugo travel insurance, does tugo travel insurance offer any discounts, does tugo travel insurance offer annual multi-trip plans, tugo travel insurance 24/7 travel assistance, does tugo travel insurance have cancel for any reason (cfar), does tugo travel insurance have interruption for any reason (ifar), tugo travel insurance and pre-existing medical conditions, tugo travel insurance exclusions, tugo travel insurance eligibility, how to file a claim with tugo travel insurance.

Founded in 1964, North American Air Travel Insurance Agents Ltd., operating as TuGo, is a licensed insurance agency in all Canadian provinces and territories. TuGo is based in Richmond, BC.

TuGo’s insurance policies are underwritten by Industrial Alliance Insurance and Financial Services and Industrial Alliance Pacific General Insurance Corporation.

To get a quote from TuGo Insurance you need to choose a travel insurance partner in your area. This review is based on information provided by Travel Insurance Office Inc., which is based in Markham, Ont.

Here are the key types of travel insurance coverage offered in TuGo travel insurance plans:

Emergency medical insurance: If you get ill or are injured on your trip, travel medical insurance can pay for emergency medical expenses, up to the coverage limits in your plan. These expenses can include doctor and hospital bills, medication and lab work.
Trip cancellation insurance: If you cancel a trip for a reason listed in your travel policy, such as you or your travelling companion becoming ill, weather conditions causing a massive delay or you end up losing your job, trip cancellation insurance can reimburse you for prepaid, non-refundable costs.
Travel interruption or delay insurance: Trip interruption insurance can pay for a last-minute flight home in an emergency and money that you lose if you have to return home earlier than expected, such as non-refundable activities and hotel stays. If your flight is delayed , your insurance can cover the cost of incidentals, such as meals or accommodations, after a specified period of time, usually six, 10 or 12 hours.
Baggage insurance: Baggage travel insurance can compensate you up to your policy limits if your luggage is lost or stolen. It will reimburse the depreciated value of your suitcases and what you packed. If your checked bags are delayed, it can reimburse you for the cost of the necessities you’ll have to buy to tide you over.
Travel accident insurance: This coverage offers compensation in the event of accidental death or catastrophic injury from an accident during your trip. Flight Accident Insurance covers injury while you’re on a commercial plane, during a connection or in an airport. Travel Accident Insurance covers death or dismemberment, including the loss of limbs or eyesight, while in transit during your trip.

TuGo allows you to customize the amount of coverage you need. You can choose one of two package options— the All Inclusive Holiday Package or Non-Medical Package—or pick individual insurance plans à la carte. For example, you could choose the Emergency Medical Excluding USA plan with the optional baggage coverage, or the Trip Interruption plan and rental car protection coverage. TuGo also has several optional insurance upgrades to give you higher coverage limits.

All Inclusive Holiday Package: This option includes emergency medical insurance, trip cancellation & trip interruption, accidental death & dismemberment and basic baggage insurance coverage.

Coverage for emergency medical treatment includes:

Hospital accommodation up to a semi-private room
Physician fees
Ambulance services, including ground, air or sea to the nearest hospital
Diagnostic lab tests and X-rays
Prescription drugs, all in-hospital plus 30-day supply after release
Medical appliances, such as a wheelchair, crutches or cane
Private duty nursing
One follow-up visit within 14 days after the initial treatment for a medical emergency
Specific provisions for fracture treatment, including up to $1,250 for X-rays, re-examinations, casting and re-casting, as well as cast removal, after the initial emergency treatment and one follow-up visit
Other professional medical services, such as physiotherapist, chiropractor, chiropodist, osteopath, podiatrist, optometrist and acupuncturist, up to $700 per practitioner
Emergency dental due to a blow to the face, to the policy limit, plus 30-days of treatment when you return home
Emergency dental due to illness or pain, up to $700
Unexpected birth of child, up to $25,000 (not payable during the nine weeks before or after your due date)
Non-medical evacuation from a remote location, up to $6,000, including search and rescue services
Replacement of prescription glasses or contact lenses due to theft, loss or breakage, and/or replacement of a hearing aid due to theft, loss or breakage, up to $1,000
Medical follow-up in Canada including up to semi-private accommodation in a hospital, rehabilitation centre or convalescent home (up to $1,000), up to $100 per day for private nursing, up to $300 for licensed ambulance or taxi services and up to $300 to rent or purchase essential medical appliances, for 15 days after your return date

Medical coverage also provides a hospital allowance to cover incidental expenses, such as TV rental and telephone, as well as one-way economy fare to return home if medically necessary (and includes a travelling companion or medical attendant), as well as baggage return, pet return and return of dependent children. If your return home is delayed, this benefit covers meals and accommodations.

Non-Medical Package: If you have emergency medical coverage elsewhere, such as through a travel credit card, the Non-Medical Package provides you with trip cancellation & trip interruption insurance, accidental death and dismemberment insurance and baggage insurance. You can purchase the Non-Medical Package and the Emergency Medical Insurance as separate policies.

Emergency Medical: If you’re only worried about medical emergencies while travelling, this benefit offers all of the medical coverage listed above. There are two plans for travellers outside of Canada: The Emergency Medical Worldwide plan and the Emergency Medical Worldwide Excluding USA plan.

The Emergency Medical Excluding USA provides coverage for outside of the United States, except for:

Flight stopovers or flight layovers in the U.S. up to 48 hours
Transit through the U.S. by car, van, truck, recreational vehicle, motorcycle, bus or train for up to five days to your travel destination and up to five days to return from your travel destination

Keep in mind that if you are travelling by cruise ship and the cruise departs from or stops at any ports in the U.S., you must purchase a Worldwide plan for the full duration of your trip.

It’s important to note that there is a waiting period with the emergency medical insurance that is laid out as follows:

If your policy was purchased within seven days after departure, there is no coverage for any disease or illness (either arising or exhibiting symptoms) during the first 48 hours of the effective date, and any related expenses after the first 48 hours, or
If your policy was purchased more than seven days after departure, there is no coverage for any disease or illness (either arising or exhibiting symptoms) in the first seven days from the effective date, including any related expenses.

Family & Friends: This plan is available with the Emergency Medical plan and covers up to two travellers aged 59 years old and under and up to six dependent children. The travellers named in this plan do not have to be the parents or guardians of the dependent children.

Trip Cancellation & Interruption: This coverage option reimburses you for insured travel expenses (such as hotels or prepaid excursions) if you have to cancel or interrupt your trip due to a covered risk. The benefits depend on the reason for the trip cancellation or interruption.

Trip Interruption Only: This coverage option reimburses you for insured travel expenses (such as hotels or prepaid excursions) if you have to interrupt your trip after departure due to a covered risk.

Accidental Death or Dismemberment: This coverage option offers reimbursement in the event you die, or lose the use of one or more limbs, during a flight or while entering or leaving a common carrier, defined as a boat, cruise ship, airline, bus, taxi, train or other similar vehicle that is licensed and intended to carry passengers for hire. This plan also includes a 24-hour Accident benefit of $25,000 that is paid out in the event of death or dismemberment as a result of an accident in any other situation.

MyFlyt Service: When your flight is delayed by two or more hours, this service automatically gives you access to an airport lounge, as long as you register your flight at least one hour before the original scheduled departure time. If the airport lounge is overbooked or there is no airport lounge, you will instead receive an immediate $40 cash payout via Interac , PayPal or bank transfer. (The bank transfer can take up to 72 hours, depending on your bank.) This service is available at no extra cost to anyone with TuGo travel insurance, even if you don’t have trip interruption coverage.

We’ve highlighted the key benefits for each coverage option available for the single trip plan when travelling outside of Canada to help you identify which is the best fit for you.

The price of a TuGo travel insurance plan depends on factors such as the cost of your trip, your age and the amount of coverage you choose.

Here are some examples of the cost for TuGo single trip plans for healthy travellers based in Ontario. These quotes assume a $0 deductible for the emergency medical insurance and that the insured will not be travelling through the US.

To access a quote from TuGo, you must select a travel insurance partner in your area. These sample quotes were sourced from Travel Insurance Office Inc. Actual prices may differ depending on your choice of travel insurance partner.

It’s easy to build a quote with TuGo as you can click on and off the coverage options you want to create a customized insurance plan.

Note: The All Inclusive Holiday Package is not available (N/A) for the couple travelling to Mexico as they are older than the 59-year-old maximum age limit.

With your Emergency Medical excluding USA coverage, you can also add an optional deductible, or the amount you will pay out of pocket before your coverage kicks in. Here’s how the purchase of a deductible affects your premium.

Emergency medical: $5 million Cancel For Any Reason: Yes, 50% to 75% Baggage insurance (maximum): $1,500

Related: CAA Travel Insurance Review

TD Insurance

Emergency medical: $5 million Cancel For Any Reason: No Baggage insurance (maximum): $1,000

Related: TD Insurance Travel Insurance Review

Johnson Medoc Travel Insurance

Emergency medical: $5 million Cancel For Any Reason: No Baggage insurance (maximum): $1,500

Related: Johnson Medoc Travel Insurance Review

There are several optional coverages or add-ons that can be purchased as an endorsement to a TuGo insurance plan or package.

Baggage Insurance: This optional coverage can be purchased to increase the amount of baggage coverage from $500 to $1,500 per insured to a maximum of $3,000 for the Family & Friends plan. This benefit also covers the loss of currency due to theft up to $100. If your baggage is delayed by 12 hours while travelling, this benefit will provide up to $200 for personal necessities.

Rental Car Protection: This optional coverage provides up to $75,000 for physical damage to a rented or leased vehicle, in lieu of any collision damage insurance purchased from the rental or leasing agency. Physical damage in excess of $2,000 must be documented by a police report.

Sports & Activities Coverage: This optional coverage can be purchased as an add-on to an Emergency Medical insurance plan. This add-on does not increase the maximum limits of the plan, but provides coverage for activities otherwise excluded from coverage. The coverage provided under this endorsement is as follows:

For all ages: TuGo will cover medical and related expenses for an acute, sudden and unexpected medical condition while participating in, training for or practicing for the following sport or activity, if you select the sport or activity when completing your application.

TuGo will cover up to the policy limit of $10 million for these activities:

Backcountry skiing or snowboarding
Downhill freestyle skiing or snowboarding
Downhill mountain biking
Ice climbing
Mixed martial arts
Mountaineering
Rock climbing

TuGo will cover up to $500,000 for these activities:

BASE jumping
Hang gliding/paragliding
High-risk snowmobiling
Motorized speed contests
Parachuting, skydiving, tandem skydiving
Scuba diving or free diving over 40 metres
White water sports, class VI
Wingsuit flying

For travellers age 21 and over: TuGo will cover medical and related expenses for an acute, sudden and unexpected medical condition while participating in, training for or practicing on behalf of a registered team, league, association or club, or while competing in a registered tournament, competition or sporting event for the following sports, if you select the applicable sport while completing your application:

Football (American and Canadian)

Using the sample quote (above) of a couple going to Mexico, adding scuba diving over 40 metres to their Emergency Medical Excluding USA coverage will add $191.68 to their premium.

Unstable Pre-Existing Medical Condition Coverage: This add-on can be purchased as an endorsement to an Emergency Medical Insurance Worldwide plan or Worldwide Excluding USA plan. It provides the following benefits:

TuGo will pay for the reasonable and customary charges for medical and related expenses up to the policy limits incurred due to a pre-existing medical condition that was not stable before your date of departure. TuGo will not provide coverage for any medical condition that is not stable on or within the seven days before you leave on your trip.

Using the sample quote (above) of a couple going to Italy, adding the Unstable Pre-Existing Condition coverage to their Emergency Medical Excluding USA coverage will add $95.26 to their premium.

A 5% discount is applicable to a minimum of two travelling companions purchasing single trip insurance or a multi-trip annual plan.

Yes. You can buy multi-trip annual insurance if you travel more than once a year for multiple individual trips. TuGo offers emergency medical worldwide, trip cancellation & interruption and accidental death and dismemberment annual insurance for five, 10, 20, 35, 60, 95, 125, 155 and 182 days per trip.

TuGo’s International Assistance is provided to all insured travellers and is available 24/7, 365 days of the year either before or during your trip. Support includes:

Communications link between traveller and the hospital regarding insurance coverage and procedures
Medical consultation and advisory services, including a review of appropriateness of medical care
Monitoring of progress during treatment and recovery
Establishing contact with family, personal physician and/or employer, as necessary
Ability to speak in multiple languages
Coordination of payments
Management, arrangement and authorization of emergency medical evacuation or repatriation of remains
Interpretation of policy wordings
Assistance in locating the nearest and most appropriate medical care
Payment to hospitals and other medical providers where possible
Travel assistance for family members
Arrangements and communications with consulates, travel agents, embassies, tour guides, airlines, police, foreign affairs departments
Legal referral services

Yes. This optional coverage can be purchased as an endorsement or add-on to the Trip Cancellation & Trip Interruption plan, the All Inclusive Holiday Package and the Non-Medical Package.

If you decide to cancel your trip for any reason other than a covered risk, TuGo will pay up to 50% of either of the following, whichever is less:

Prepaid travel costs that are non-refundable and non-transferable
Up to the sum insured selected before departure which is non-refundable and non-transferable

To be eligible for this coverage, you must buy your insurance in the first five days after making any initial payment, whether it’s a deposit, partial payment or full payment or at any time before any cancellation penalties apply.

To be reimbursed under this coverage you must cancel your trip more than five days before your departure date.

Here’s how the prices compare for coverage with and without the CFAR add-on :

In general, CFAR adds anywhere between 20% and 33% to your insurance premium.

TuGo will not pay any medical expenses related to any medical condition that is not stable for a set period of time.

A medical condition is considered stable when all of the following are true:

There has been no deterioration of the medical condition as determined by a physician or other registered medical professional.
There have been no new symptoms or findings or more frequent or severe symptoms or findings.
There has been no change in treatment by a physician or other registered medical practitioner.

In addition, TuGo will not pay any benefits or services for the following:

For travellers 59 years and under on a trip of less than 35 days for any medical condition that is not stable on or within the seven days before departure
For travellers 59 years and under on a trip of more than 35 days for any medical condition that is not stable on or within the 90 days before departure
For travellers 60 years and over on any length of trip, any medical condition that is not stable on or within the 180 days before departure

There are a number of scenarios not covered by travel insurance and it’s critical to know what not to do before you make a claim. The following are exclusions to all coverages provided by TuGo travel insurance:

Your participation in or voluntary exposure to acts of war or terrorism
Death, disablement or injury caused by radioactive contamination or by the utilization of nuclear, chemical or biological weapons
Any medical condition that is the result of you not following prescribed treatment or medication
Consumption or use of illegal or controlled drugs
Your participating, training or practicing in any areas that have been closed off to public access for the following activities: Backcountry skiing/snowboarding, downhill freestyle skiing/snowboarding in organized competitions, high-risk snowmobiling, ice climbing, mountaineering, rock climbing
Your participation in or training for any of the following sports or activities: Barrel racing, bronco riding, bull riding, chariot racing, chuck wagon racing, harness racing, rodeo bareback racing, rodeo clowning, rodeo team roping, steer wrestling/chute dogging, trick riding
Any medical condition where the purpose of the trip is to seek treatment, advice or services for that condition
Routine prenatal or postnatal care or pregnancy, delivery or complications of either in the nine weeks before or after the expected due date
Your child born during the trip, except as specified under the Unexpected Birth of a Child benefit
Your voluntary termination of a pregnancy or resulting complications
Your suicide or self-inflicted injury
Your commission or attempted commision of a criminal offence or illegal act
Non-emergency, experimental or elective treatment or procedures
Cosmetic surgeries, procedures and/or treatments

To be eligible for medical insurance with TuGo, the following must apply:

You are a Canadian resident
You are not travelling against a physician or other registered medical practitioner’s advice
You have not been diagnosed with a terminal condition
You are not receiving palliative care or palliative care has not been recommended

In addition, for travellers aged 55 and over, you must not:

Have received medical advice not to travel
Suffer from a medical condition in a terminal stage
Suffer from kidney failure treated with dialysis
Have been diagnosed with or treated for metastatic cancer in the last five years
Have been prescribed or treated with home oxygen in the past 12 months

You can file a claim online 24/7 by visiting the online claim system at myTuGo.com where you can log in with your insurance policy number and start a new claim. There you can complete, print and return the forms by email or mail. TuGo recommends that you submit your claim form within 60 days from the day you were treated.

For an emergency medical claim, it’s important to provide all itemized bills and receipts including:

Your full name
Date(s) of service
Amount charged
Types of service/diagnosis
Prescriptions with the itemized pharmacy-issue prescription receipt

For a trip cancellation and trip interruption claim, you’ll need to provide:

The original unused tickets or e-tickets
Original itemized, dated invoices and receipts from all travel suppliers showing full payment, taxes and fees paid
A copy of the originally scheduled travel arrangements or itinerary
Proof of cancellation from all airlines, hotel or accommodation providers, tour operators, cruise lines and any other traveller suppliers for unused expenses
A statement from the travel agency, airline or travel supplier documenting their refund policy and copies of all refunds and/or credits for cancelled or unused expenses
A medical certificate for any claim before departure stating the diagnosis, onset of symptoms, dates and type of treatment and the reason why travel was not possible or if after departure, the reason why it was necessary to interrupt the trip

For a baggage insurance claim, you’ll need to provide:

Proof that the lost, stolen or damaged baggage was reported to the most appropriate local authority, such as police, hotel manager, vacation rental, or airline
Proof of loss, such as a police report
If your baggage is damaged, a written estimate from a repair shop on the cost to repair

TuGo Travel Insurance FAQs

Does tugo pay for medical costs upfront.

According to the company, in many cases TuGo can work directly with the medical service provider, such as a hospital or clinic, to pay expenses directly due to its “network of preferred providers.” However, some hospitals will require a deposit upfront or will require you to pay expenses out-of-pocket. In this case, TuGo suggests opening a claim immediately and submitting your signed claims forms and any original itemized bills and receipts.

Does TuGo cover COVID-19?

Emergency medical care for COVID-19 is covered up the policy limits if before your date of departure you are travelling with all federal travel vaccine requirements issued by the Government of Canada for entry or return to Canada, if there are any. The company notes that as there currently is no federal vaccine requirement, TuGo’s coverage is provided regardless of vaccination status.

Does TuGo offer coverage extensions?

Yes. Your coverage is automatically extended for up to seven days if your return home is prevented due to a transportation delay. If you, your travelling companion or family member are hospitalized, your coverage will be extended for the length of your hospitalization, plus up to seven days after discharge. If you, your travelling companion or a family member are unwell but not hospitalized, your coverage will be extended for up to seven days. If you, your travelling companion or your family member are quarantined due to a positive COVID-19 test, your coverage will be automatically extended for up to 14 days.

You can also request an extension if you want to stay longer on your trip, provided you have not submitted a claim and have no intent to submit a claim, your policy has not already expired and your trip length is not longer than two years from the effective date of the original policy. If you have Emergency Medical insurance coverage, you can request an extension if you haven’t seen a physician or other registered medical practitioner since you left on your trip and you’re not currently experiencing any symptoms or have no reason to seek medical attention.

Does TuGo require a medical questionnaire?

Yes. Travellers aged 60 and over are required to complete a medical questionnaire to determine your insurance premium when purchasing the multi-trip annual worldwide medical insurance, the single-trip worldwide medical insurance and the single-trip excluding USA. medical insurance.

If you have to make a claim and if during the claims process TuGo discovers your answers to the medical questionnaire are false or inaccurate, a $15,000 US deductible will be applied to your claim, in addition to any other deductible you may have selected. Coverage will not be provided until you correct your answers and pay any additional premium that may be required.

Does TuGo have any age restrictions?

Yes. The All Inclusive Holiday Package is only available for travellers 59 years old and under. All travellers aged 60 and over are required to complete a medical questionnaire to determine their insurance premium. The company notes that its Emergency Medical insurance “covers all ages.”

When does my coverage with TuGo begin?

In general, if you purchase cancellation coverage, it begins the day you buy your policy and ends the day you make a claim or leave on your trip. Your interruption coverage, if purchased, begins when you leave home. Your delay coverage begins once an insured risk prevents you from returning home as scheduled.

Can I get a refund with TuGo?

In general, you can request a cancellation and full refund of your contract before the effective date of the contract (or the date the coverage begins) or during the 10 days following the date of purchase, with some exceptions. If your trip is cancelled before any penalties from the travel suppliers apply, you’ll get a full refund, less an administration fee.

Does TuGo offer a free look period?

Yes. TuGo gives you 10 days after the application date of the policy to review and cancel your contract if you’re not satisfied with it. A full refund is available as long as no travel has taken place and your policy has not expired.

Fiona Campbell is a Staff Writer for Forbes Advisor Canada. She started her career on Bay Street, but followed her love for research, writing and a good story into journalism. She is the former editor of Bankrate Canada, and has over 20 years of experience writing for various publications, including the Globe and Mail, Financial Post Business, Advisor’s Edge, Mydoh.ca and more.

Goose Travel Insurance Review
CAA Travel Insurance Review 2023
Blue Cross Travel Insurance
Manulife Financial CoverMe Travel Insurance
World Nomads Travel Insurance Review
Medipac Travel Insurance Review
RBC Insurance Travel Insurance
TD Insurance Travel Insurance Review
Johnson MEDOC Travel Insurance
Allianz Global Assistance Travel Insurance
TD Bank Travel Insurance
CUMIS Travel Insurance Review
AMA Travel Insurance
GMS Travel Insurance Review
CIBC Travel Insurance Review
BMO Travel Insurance Review
Desjardins Travel Insurance Review
Travelance Travel Insurance
Scotia Travel Insurance Review
How To Get Pre-Existing Conditions Covered By Travel Insurance
Should You Buy Travel Insurance And Is It Worth It?
Why Travel Medical Insurance Is Essential

Do I Need Travel Insurance When Travelling Within Canada?

Trip Cancellation Travel Insurance
How To Get Reimbursement For A Travel Insurance Claim
Do Canadian Travellers Need Schengen Visa Insurance?
How Travel Insurance Works For Baggage
How To Travel To The U.S. From Canada
Do You Need Annual Multi-Trip Travel Insurance?
Travel Insurance For Trips To Europe
What Travel Insurance Does Not Cover
Top 10 Travel Insurance Tips For 2023
Travel Insurance For A Mexico Vacation
How To Read The Fine Print Of Your Travel Insurance Policy
5 Top Tips For Handling Flight Cancellations Like A Pro
What Does Travel Delay Insurance Cover?
Advantages Of Buying Travel Insurance Early
Travel Insurance For U.K. Trips
Travel Insurance For Trips To Italy

More from

$10 etias travel pass for europe visits pushed to 2025, what’s the purpose of an etias travel authorization, bcaa travel insurance review 2024, pacific blue cross travel insurance review 2024, cumis travel insurance review 2024.

TuGo

Administrated by : TuGo Underwritten by: Industrial Alliance Insurance and Financial Services Inc. 24h Emergency Assistance Center: Claims at TuGo

IMPORTANT NOTE: The product-related information on this website is for illustration purposes only. For complete benefits, terms, conditions, limitations and exclusions, please see the policy booklet at the download section below. Please read and understand your policy before you travel.

BENEFITS: Maximum limit - $2,000,000 - Hospital - semi-private accommodation. - Physician services. - Private duty nursing services up to $20,000 . - Ambulance services - ground, air or sea ambulance or a taxi expenses (if ambulance is required, but not available). - X-ray examinations and diagnostic laboratory procedures. - Prescription drugs - 30 day supply. (Includes the cost of one 'morning-after pill' once per 12 months for 365-day policies). - Medical appliances - including but not limited to wheelchairs, crutches and canes. - Professional medical services of physiotherapist, chiropractor, chiropodist, osteopath, podiatrist, acupuncturist, naturopath and speech therapist up to a maximum limit of $600 per practitioner. - Emergency air transportation - the cost of stretcher or air evacuation to the nearest medical facility or for return to your country of permanent residence and the cost of a return airfare for a medical attendant, if necessary. * - Accidental dental , maximum $6,000 for the repair or replacement of whole or sound teeth. - Emergency dental , maximum $600 for a pain relief, other than caused by an accident. - Wisdom Teeth - extraction of impacted wisdom teeth, up to $150 per tooth. - Repatriation in the event of your death - up to $35,000 for preparation and return of your body to Canada or up to $6,000 for burial or cremation at the place of death (excluding cost of a burial coffin or urn). Up to $5,000 for transportation costs of one family member to go to the place of your death to identify your body, and $400 per day up to $2,000 for meals and commercial accommodation. - Rehabilitation Treatment - up to $250 per day to a maximum of 7 days for emergency treatment in a rehabilitation facility when it is medically necessary after hospitalization.* - Annual Physician visit - up to $150 for one annual visit to a physician for a general check-up or one immigration medical examination in lieu.** - Eye Examination - one visit to optometrist or ophthalmologist.** - Sexually Transmitted Infection Testing - up to $100 for elective testing for sexually transmitted infections.** - Maternity Benefit - up to $25,000 for pre-natal care and complications if pregnancy commenced during period of coverage. The delivery/childbirth and post-natal care are EXCLUDED from the maternity benefit. If you extend your policy or purchase a new one, and there was no lapse in coverage, TuGo will continue to cover you for the same pregnancy under this benefit until you have reached the maximum limit of $25,000 under all policies combined, and the Pre-existing Medical Condition Stability Exclusion will not apply to pregnancy-related complications. - Psychiatric/ Psychological Benefit - up to $1,000 for out-patient care by Psychiatrist, Psychologist, Clinical counsellor, Psychotherapist, Nurse psychotherapist or Social worker, following an emergency. - Family Transportation benefit of up to $5,000 for transportation of a family member and up to $400 per day (maximum $2,000) for meals and accommodation in the event of your hospitalization if an attending physician considers it necessary. * - Prescription Glasses/Contact Lenses/ Hearing Aids - up to $200 for prescription glasses, contact lenses and hearing aids required as a result of an accident. - Tutorial Services - up to $20/hour to a maximum of $400 for the costs of a qualified private tutorial service in the event you are hospitalized for 30 consecutive days or more. - Follow-ups - five follow-up visits within the 14 days after the initial emergency treatment. - Fracture Treatment – up to $1,000 for the following treatments related to fractures following an emergency treatment. - Accidental Death and Dismemberment insurance – up to $10,000. - Telemedicine in the US by 1.800MD - 24/7 access to a doctor from a smartphone, tablet or computer.

Optional Benefits: - Accidental Death and Dismemberment insurance (24-Hour Accident) - $25,000. - Air Flight/Common Carrier Accident - Maximum limit $100,000.

* These benefits must be pre-approved and arranged by Claims at TuGo. ** This benefit is available once during a 12 consecutive month period, provided the minimum term of insurance purchased is 180 days.

ELIGIBILITY: Applicable to Canadian Students Studying Outside their Province or Territory of Residence At the time of application, you are eligible for coverage if: 1. You are 40 years and under; and, 2. You are a Canadian resident; and, 3. You are a student enrolled full-time or part-time in a school outside your province/territory of residence; or, 4. You are a student enrolled full-time or part-time in a school in Canada but participating in an exchange program at a school outside of your province/territory of residence; and, 5. You are not travelling against a physician or other registered medical practitioner’s advice; and, 6. You have not been diagnosed with a terminal condition; and, 7 You are not receiving palliative care or palliative care has not been recommended.

Applicable to Family Members of Students At the time of application, you are eligible for coverage if: 1. You are at least 15 days old; and, 2. You are 40 years and under; and, 3. You are Canadian resident; and, 4. You are a family member of a student who is either insured under a TuGo Student Policy for Canadian students or meets the eligibility requirements for a TuGo Student Policy; and, 5. You are not travelling against a physician or other registered medical practitioner’s advice; and, 6. You have not been diagnosed with a terminal condition; and, 7 You are not receiving palliative care or palliative care has not been recommended. Coverage is available for school breaks as long as the student is enrolled as a full-time or part-time student in a school.

Canadian resident is an insured who is eligible for or has a provincial or territorial government health care plan in place and: a) Is a Canadian citizen with a primary permanent residence in Canada; or, b) Has landed immigrant status in Canada and a primary permanent residence in Canada. NOTE: Any medical and related expenses in excess of $50,000, if you are not covered by a provincial or territorial government health care plan at the time your claim occurred.

PRE-EXISTING CONDITIONS: the company will not be liable to provide coverage, services, or to pay claims for expenses incurred directly or indirectly as a result of any: 1. Medical condition which is not stable on or within the 90 days before the effective date of the Policy. 2. Any complications that develop after departure, related to a pre-existing medical condition that was not stable on or within the 90 days before the effective date of the Policy. Medical conditions and related complications that do not meet the stability requirements set out above are not covered.

Stable: A medical condition is considered stable when all of the following statements are true: a) There has been no deterioration of the medical condition as determined by a physician or other registered medical practitioner, and b) There have been no new symptoms or findings or more frequent or severe symptoms or findings, and c) There has been no change in treatment by a physician or other registered medical practitioner or any alteration* in any medication related to the medical condition, and d) There has been no new treatment received, prescribed or recommended by a physician or other registered medical practitioner. *Alteration - The medication usage, dosage or type has been increased, decreased or stopped and/or a new medication has been prescribed. Alteration does not include: a) Changes in brand to an equivalent name brand or to an equivalent generic brand of the same or equivalent usage or dosage; or, b) Routine dosage adjustments within prescribed parameters for insulin or oral diabetes medication to ensure correct blood levels are maintained; blood sugar levels must be checked regularly and the medical condition must remain unchanged; or, c) Routine dosage adjustments within prescribed parameters for blood thinner medication to ensure correct blood levels are maintained; blood levels must be checked regularly and the medical condition must remain unchanged; or, d) A temporary stoppage of blood thinner medication up to a maximum of 24 hours if the stoppage is required for a surgery or a procedure; or, e) Usage changes due to the combination of several medications into one; the medical condition must remain unchanged.

EXTENSIONS: You can extend your period of coverage before your Policy expires provided the total policy trip length does not exceed a maximum of 365 days. To extend your Policy, you can contact us during business hours. If you extend your coverage, the following condition applies: If you had a claim, sought medical attention or experienced any symptoms during the previous policy term, for the extension period, there will be no further coverage with respect to the medical condition, related medical condition, or for any subsequent treatment related to the medical condition, except as specified under the Maternity benefit. Under the Maternity benefit, we will continue to provide coverage during an extension for the same pregnancy up to the maximum limit of $25,000 under all policies combined, provided there has not been a lapse in coverage. Refer to the Maternity benefit for details.

REFUNDS: Refunds after the effective date of the Policy must be requested in writing. Refunds are not available if a claim has been or will be submitted. Full Refunds 1. When the request for refund is received BEFORE the effective date of the Policy, a full refund is available. 2. When the request for refund is received AFTER the effective date of the Policy, a full refund is available as follows: a) In the 10 days from the application date of the Policy when no travel has taken place; or, b) If you have not arrived in your province/territory or country of study, provided you were travelling directly to your province/territory or country of study (direct travel includes stopovers and layovers); or, c) If your student visa for entry to your country of study was refused; or, d) If you arrived in your country of study but entry into your country of study was denied. Refund requests must be submitted to us within the 90 days after the expiry date of the Policy.

Partial Refunds 1. When travel has taken place, a partial refund less an administration fee is available. Refunds are calculated as follows: a) From the date the cancellation request is submitted to us; or, b) From the date you return to your province/territory of residence if a satisfactory proof of return is sent to us and the request is received by us within the 90 days after the date you return to your province/territory of residence; or, c) From the date you are no longer enrolled in a school or attending school in an exchange program outside your province/territory of residence if satisfactory proof that you are no longer enrolled in the school is sent to us and the request is received by us within the 90 days after your enrollment ended.

CLAIMS: In the event of a medical emergency, call Claims at TuGo immediately: To make a claim, simply contact Claims at TuGo 24 hours a day, seven days a week: - From U.S.A. & Canada, call toll-free: 1-800-663-0399 - From Mexico, call toll-free: 001-800-514-9976 - Worldwide, call collect: 1-604-278-4108 Notice: All required documentation must be received within one year from the date of loss. Failure to do so will result in the denial of the claim. Any notices of claim or correspondence concerning a claim should be promptly sent to: Claims at TuGo 1200-6081 No. 3 Road Richmond, BC, V6Y 2B2 For Online Claim Submission visit www.tugo.com/claims

EXCLUSIONS: In addition to the Pre-existing Medical Condition Stability exclusion, we will not be liable to provide coverage or services, or to pay claims for expenses incurred directly or indirectly as a result of: 1. Any claim incurred after a physician advised you not to travel. 2. Any claim incurred after any other registered medical practitioner advised you not to travel. 3. A trip that is undertaken after the diagnosis of a terminal condition. 4. A trip that is undertaken while you are receiving palliative care or after palliative care has been recommended. 5. Medical conditions or any related medical conditions for which, before the effective date of the Policy, diagnostic tests took place, were scheduled to take place or were recommended and for which results had not yet been received on or before the effective date of the Policy. This includes diagnostic tests that were scheduled or were recommended on or before the effective date of the Policy, but had not yet taken place on or before the effective date of the Policy. This exclusion does not apply to: a) Tests to monitor an existing medical condition if there have been no new or more frequent symptoms, whether or not results have been received; or, b) Screening tests intended to prevent illness or to detect medical conditions before symptoms are noticed, whether or not results have been received. 6. The cost of any mandated test required for travel. 7. Medical conditions or any related medical conditions for which, on or before the effective date of the Policy, tests to follow up on the effectiveness or response to a procedure, surgery or hospitalization are scheduled to take place or recommended. This includes tests that were scheduled or recommended on or before the effective date of the Policy, but had not yet taken place on or before the effective date of the Policy. 8. Medical conditions or any related medical conditions for which before the effective date of the Policy, medical procedures, surgeries and/or referrals to a specialist were scheduled to take place or were recommended but had not yet taken place at the time of the effective date of the Policy. 9. Any medical condition, related medical condition or any subsequent treatment related to a medical condition for which you sought treatment and/or were experiencing any symptoms that were new or worsening after your departure from your province/territory of residence but before the effective date of this Policy, except as specified under the Maternity benefit and under the heading Period of Coverage, sub-heading Top-up. 10. Acute psychosis if drug or alcohol induced. 11. Any cancer (other than basal cell or squamous cell skin cancer and/or cancer that is in remission) for which you received or were recommended to receive active cancer treatment on or within the 90 days before the effective date of the Policy. This includes active cancer treatment that you were recommended to receive but chose to decline. 12. Tests and investigation except when performed at the time of initial emergency medical condition. 13. The continued treatment, recurrence or complication of a medical condition or related condition, following emergency treatment during your trip, if we determine that your emergency has ended, unless otherwise specified in a benefit. 14. a) Any medical condition, including symptoms of withdrawal, arising from, or in any way related to, your chronic use of alcohol, drugs or other intoxicants whether prior to or during your trip. b) Any medical condition arising during your trip from, or in any way related to, the misuse or abuse of drugs or other intoxicants, or to the use or abuse of alcohol when you have reached a blood alcohol level of 80 milligrams of alcohol per 100 millilitres of blood or when records indicate you were intoxicated and no blood alcohol level is specified. 15. Consumption or use of illegal or controlled drugs (based on the law where the cause of the claim occurred). 16. Any medical condition for which you are registered on a waiting list for treatment or diagnosis either in Canada or in your country of study. 17. Expenses incurred for emergency air transportation and any expenses incurred after emergency air transportation, when the emergency air transportation was not arranged by us. 18. Any medical condition or related expenses if we determine that you should transfer to another facility or could return to your province/territory of residence for treatment, and you choose not to, benefits will not be paid for further treatment related to the medical condition. 19. An official travel advisory issued by a Canadian government stating to “avoid all travel” or “avoid non-essential travel” regarding the country, region or city of your destination, before the date you travel to that destination (including any stopovers, layovers or any other destinations you are transiting through). If an official travel advisory is issued while you are travelling outside of Canada for the country, region or city of your destination after you have already arrived to that country, region or city, your coverage for an emergency or a medical condition related to the travel advisory will remain in place. To view the travel advisories, visit the Government of Canada Travel site. This exclusion does not apply to claims for an emergency or a medical condition unrelated to the travel advisory or to claims incurred for COVID-19. 20. A medical condition for which symptoms arose or worsened or for which treatment by a physician or other registered medical practitioner was received during a temporary visit to your province/territory of residence during the period of coverage or any medical condition wholly or partly, directly or indirectly, related thereto. This exclusion does not apply if the treatment was for either: a) The unchanged use of prescribed drugs or medication for a stable medical condition, symptom or problem; or, b) A check-up where the physician or other registered medical practitioner observes no change in a previously noted medical condition, symptom or problem. 21. Treatment by a physician or other registered medical practitioner and expenses incurred while in your province/territory of residence. 22. Loss, theft, breakage of prescription glasses, contact lenses, prosthetic devices, hearing aids and dentures, except as specified under the Prescription Glasses/Contact Lenses/Hearing Aids benefit. 23. Any medical and related expenses in excess of $50,000, if you are not covered by a provincial or territorial government health care plan at the time your claim occurred. 24. Your participation in and/or voluntary exposure to acts of war or acts of terrorism. 25. Death, disablement or injury in any way caused by or contributed by radioactive contamination or by the utilization of nuclear, chemical or biological weapons (whether or not caused by acts of war or acts of terrorism). 26. Any medical condition that is the result of you not following treatment as prescribed to you, including prescribed or over the counter medication. 27. Your participating, training or practicing in any sports or activities as a professional athlete, or in any of the following sports or activities (whether as a professional athlete or not): • Hang gliding/paragliding • High risk motorized speed activities • Ice climbing • Mountaineering • Parachuting/skydiving/ tandem skydiving • Rock climbing • Scuba diving or free diving over 40 metres 28. Your participating in, training, or practicing for any of the following sports or activities: • Barrel racing • Bronc riding • Bull riding • Chariot racing • Chuck wagon racing • Harness racing • Rodeo bareback racing • Rodeo clowning • Rodeo team roping • Steer wrestling/chute dogging • Trick riding 29. Any medical condition or recognized complication of a medical condition, where the purpose of your trip is to seek treatment, advice or services, and where the medical evidence indicates the treatment, advice or services received are related to that medical condition. 30. a) Routine pre-natal or post-natal care, except as specified under the Maternity benefit; or, b) Pregnancy, delivery, or complications of either, arising within the nine weeks before the expected date of delivery or within the nine weeks after except as specified under the Maternity benefit. 31. Your voluntary termination of pregnancy or resulting complications. 32. Your suicide or attempt thereat or self-inflicted injury. 33. Your commission or attempted commission of a criminal offence or illegal act based on the law where the cause of the claim occurred. 34. Non-emergency, experimental or elective treatment or procedures (including but not limited to ongoing care, chronic care, rehabilitation or check-ups) and their related complications, except as specified under the Rehabilitation Treatment benefit and the Other Professional Services benefit. 35. a) Cosmetic surgeries, procedures and/or treatments, and, b) Complications related to cosmetic surgeries. 36. Any medical condition or symptoms for which it is reasonable to believe or expect that treatments will be required during your trip. 37. Unless otherwise stated in this Policy (see General Condition, number 3), expenses incurred if other insurance policies, plans or contracts cover the loss. This includes but is not limited to any private or automobile insurance plan. If, however, the loss exceeds the limits of the other policies, plans or contracts and if this Insurance covers losses and periods not covered by those other policies, plans or contracts, this Insurance shall then apply in excess of all other valid insurance. This exclusion does not apply to Accidental Death and Dismemberment Insurance.

This Insurance provides no coverage and no insurer shall be liable to pay any claim or provide any benefit hereunder to the extent that the provision of such coverage, payment of such claim or provision of such benefit would expose that insurer to any sanctions, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of the European Union, United Kingdom or United States of America.

- Minimum 10 days, Maximum - 365 days (or 366 days for leap years).

- Dependent children - Unmarried children who are dependent on a parent or guardian who is a student eligible under this Policy and are up to and including 21 years or, up to and including 40 years, if they have a cognitive, developmental or physical disability.

DOWNLOADS: TuGo International Student POLICY PDF

TuGo is a trademark used by North American Air Travel Insurance Agents Ltd. dba TuGo and its related companies under license.

Our Bloggers
Get Travel Insurance
Travel Tips & Inspiration
Family Travel
Food & Culture
Sustainable Travel
Outdoor & Adventure
Senior & Snowbird Travel
Wellness Travel
Traveller Stories
Travel Insurance
Featured Posts

How to Better Understand Your Travel Insurance Policy

COVID-19 changed the way many of us planned for travel. We’re all different types of travellers, comfortable with different levels of risk. But one thing we all have in common: our need to feel safe and protected is paramount. That’s why, more than ever, travel insurance is so important to consider, whether you’re travelling out-of-province , over the border or internationally.

Reading your travel insurance policy before your departure will prevent you from making any assumptions about coverage or benefits, by knowing what you are and aren’t covered for. In this post, you’ll learn more about the various components of a travel insurance policy.

Not sure how to choose the right coverage? Opt for the policy that suits you best by asking the right questions to your travel insurance broker or financial advisor .

financial advisor consulting an older couple on travel insurance

Before you buy travel insurance

Understanding your travel insurance policy starts with learning more about the type of coverage you have. Before you buy, identify the types of travel insurance that’ll best meet your needs and confirm the coverage limits to know the exact amount of protection you have. At this point, it’s also a good idea to compare coverage from your credit card or group insurance plan and determine if you have the coverage you need.

Not all travel insurance plans are created equally. Policies can be customized based on individual needs, health, age, and activity preferences. Coverage also differs from one travel insurance provider to another. So, when you buy, it’s important to not only compare the price, but also how the plan will protect you in case of any travel mishaps.

Being well-informed about your policy and the reasons why your travel insurance claim could be denied can help you avoid costly surprises, both during and after your trip.

same sex couple with child at home in front of a laptop

Tips to help you navigate your travel insurance policy

To help you understand your travel insurance plan better, we’ve compiled a few guidelines to apply when reading your policy wording. Take the time to go through the policy; it can be overwhelming at first glance, but if you know what to look for, it can help you become more familiar with your coverage. Plus, if you need clarification, you can always pick up the phone and check in with your insurance professional or travel insurance provider’s customer service team.

Here are some key components that you should look at:

Important Contact Information
Period of Coverage
Benefits
Covered Risks
Exclusions
Pre-existing Medical Conditions
Sports & Activities

Important contact information

If your travel insurance provider offers emergency medical assistance , keep a record of the contact numbers (along with the international access codes for your destination) listed in the policy document. In case of a travel medical emergency abroad, knowing how to contact your travel insurance company will help you notify them as soon as possible and get the right care and information during your time of need.

TIP: If you’re a TuGo policyholder, you can also download the TuGo Wallet app on your smartphone for direct access to us, if you’re in a medical emergency. Download for iOS or Android.

Period of coverage

Depending on the travel insurance coverage you choose, the period of coverage helps you clarify when your coverage kicks in, and when it expires.

For example, your Multi Trip Annual Travel Within Canada plan might cover you for a maximum of 35 consecutive days per trip, with coverage starting on the date of each departure from your home province and ending each time you return back to your home province or on the expiry date of the policy (whichever occurs first).

Coverage Benefits

To learn more about the benefits of your Emergency Medical policy , evaluate the eligible medical and related expenses that the company will cover and how you’ll be reimbursed. Here are 2 key things to note:

Orient yourself with key definitions , such as what is a medical emergency and what isn’t ? What is the meaning of a medical treatment? How does the company define a pre-existing medical condition?
Benefit limits outline the maximum amount that you’ll be reimbursed. Confirm these limits for different emergency medical benefits such as hospital allowance, fracture treatment, dental services, childcare, return of pets & return of vehicle.

Check out these related articles and/or FAQs to help you better understand your Emergency Medical coverage:

Who handles the hospital billing when a medical emergency happens abroad?
Will the travel insurance provider reimburse my out-of-pocket expenses?
When and how does medical air evacuation happen?

For non-medical insurance policies like Baggage Insurance and Rental Car Protection , take note of the key terms and conditions . For instance, in case of lost, damaged, or delayed luggage, know exactly what is covered and the different requirements needed to help you open a claim smoothly .

Covered Risks

In case your travel plans get delayed, cancelled, or interrupted, Trip Cancellation & Trip Interruption Insurance helps you get reimbursed for prepaid, non-refundable unused travel expenses if you have to cancel or interrupt all or part of your trip.

Covered risks in your policy identify the valid reasons for cancelling or interrupting your trip that the insurance company will provide coverage for. For example, some of the reasons covered by TuGo are:

Medical reasons – i.e., a medical condition, death or quarantine of you, your travelling companion, or a family member.
When an official travel advisory has been issued by the Canadian government for the scheduled travel dates after the date the trip is booked or the insurance is purchased. The travel advisory must be in effect on the scheduled departure date or within the 7 days before.
The cancellation of a common carrier (e.g., your flight) for any reason other than bankruptcy, insolvency, or quarantine.
Natural disasters or unforeseeable events which render your or your travelling companion’s principle residence uninhabitable or place of business inoperative.
Subpoenaed for Jury duty or court appearance during your period of travel.
The non-issuance of you or your travel companion’s travel or student visa for reasons beyond your control.
Loss of Permanent employment provided you had been employed for more than one year.
A job transfer which results in the relocation of you or your travelling companion’s principal residence.
The cancellation of business meeting at your final destination.

As you finalize your trip, learn more about your destination to better understand the kind of coverage you’ll need. Based on your research, you’ll be able to confirm if your policy will reimburse you in case you need to change your travel plans last minute, due to events beyond your control.

Exclusions & Conditions

Most travellers are under the impression that once they buy travel insurance, they’ll be covered no matter what. Like any type of insurance, there are some events and conditions that may simply not be covered by travel insurance.

Before you travel, arm yourself with knowledge on these general exclusions or conditions applicable to all plans that could impact your coverage:

A medical condition that is the result of you not following treatment as prescribed to you by your doctor, including prescribed or over the counter medication.
The consumption or use of illegal or controlled drugs
Participating in an activity or sport not covered by your policy
Your commission or attempted commission of a criminal offence or illegal act based on the law where the cause of the claim occurred.

Pre-existing Medical Conditions

Depending on the plan you purchase, your policy may/may not provide coverage for medical conditions and/or symptoms that existed before your trip. Check your policy to see how it defines “pre-existing medical condition” and “stable/stability” . You’ll also want to review how unstable pre-existing medical conditions can impact claims .

Adventure Sports & High-risk Activities

Among all the areas covered by travel insurance, this is one of the areas where providers can differ the most. Before you plan any adventurous sports or activities, make sure they’re covered by your policy. Look for plans where your intended activity is specifically mentioned and whether it’ll cover you if you’re participating as a professional athlete or a coach. Study the policy’s exclusion list carefully to ensure that you’re better prepared when participating in these activities.

Not all travel insurance providers cover adventure sports and activities, but we do! TuGo’s Emergency Medical Insurance covers you for activities like hiking, ziplining, bungee jumping or even parasailing. Plus, for adrenaline seekers, our Sports & Activities Coverage goes beyond to cover sports and activities like scuba diving , backcountry skiing/snowboarding , downhill mountain biking , mountaineering and more.

Just like any financial contract, time taken to understand your travel insurance policy always pays off in the long run—whether you’re a seasoned snowbird, a first-time backpacker, or a family on their annual vacation. If you have any questions about understanding your travel insurance policy, share them in the comments below.

Safe travels, Melissa

Editor’s Note: This post was originally published in November 2020 and has been updated for freshness and/or accuracy.

Ready for your next trip?

Ready for your.

Get the travel insurance you need and the top-quality service you deserve.

We have 7 Partners in Alberta

ATB Financial
Belairdirect
Industrial Alliance
London Drugs Insurance
Simpson Group
Travel Guardian
Western Financial Group

We have 3 Partners in Manitoba

We have 2 partners in new brunswick, we have 2 partners in nova scotia, we have 1 partners in the northwest territories, we have 9 partners in ontario.

Bruce Murray & Associates
First Rate Insurance
R. Battiston
Travel Insurance Office Inc.
Travel Secure

We have 3 Partners in Quebec

Ogilvy Assurances

We have 3 Partners in Saskatchewan

We have 1 partners in the yukon, one thought on “ how to better understand your travel insurance policy ”.

how is it possible to read my travel insurance Policy , cant not find the way, our print it

Quick Links

Bulletin Board
Guaranteed Rates
Life Insurance Quote

Solutions for Advisors

Supporting your Clients
Creating Your Future
Powering your Practice
Leading the Industry
Who We're Looking For
About Being a Life Agent

Community Services

Community Involvement
Donation Request
Environment
Volunteerism
Open Positions
Why Work for Us

Legal Links

How may we assist you?

Call Toll Free: 1 800 561 1177 Fax: 604 581 2629

Mon - Fri: 8:30 am – 5:00 pm (PST)

Global Pacific Financial Services Ltd. ("Global Pacific") is a Canadian corporation, independently owned and operates as a Managing General Agency (MGA) distributor for insurance and financial products. Global Pacific is licensed in the following jursdictions: Alberta, British Columbia, North West Territories, Ontario and Saskatchewan. By logging into Global Pacific's website you agree to comply with Global Pacific's Terms & Conditions.

Travel Insurance Quote

To obtain a quote for travel insurance, please follow the link to be redirected to tugo's online insurance platform here ., find out more.

Travel Insurance

You are using an outdated browser. Please upgrade your browser or activate Google Chrome Frame to improve your experience.

Partner Platform
Partner FAQs
Passer au français

Search TuGo

Welcome to partner platform, manage your account, earn compensation, and access tools to help your customers have better experiences. watch the video.

Don't have an account? Sign Up

Click here to resend activation email

We make selling travel insurance easy.

Our new Partner Platform allows you to earn instantly by selling or referring travel insurance products online.

It's free, simple to use, and even easier to manage! Choose ready-made or custom solutions to meet your customers' needs.

Our tools let you build digital relationships with travellers.

This platform lets you customize collateral on your website and create a better customer experience by allowing your clients to purchase travel insurance directly.

If you're a developer building a website or mobile app for travellers, our APIs integrate easily, getting you up and running quickly.

Who's an ideal partner?

At TuGo, collaboration, understanding and flexibility are fundamental to the relationships we've built with our partners.

Our partners include insurance brokerages and agencies, automobile associations, airlines, travel industry-related companies, financial services and Fortune 500 companies.

Top 5 Reasons to become a TuGo partner

Earn additional income

Want to grow your business? Travel insurance is an integral part of a good cross-selling strategy; it’s a lucrative and convenient revenue source that fits easily into your portfolio!

Be your customers’ trusted advisor

The more you can provide your customers, the better!

TuGo Travel Insurance is customizable to each traveller’s individual needs. You have the opportunity to help them understand which products make their trips better. You’re not just selling a product; you’re providing peace of mind!

We’re here to help—however we can

TuGo’s team is with you every step of the way! Our Account Managers provide personalized support to take your business to the next level. They’re industry experts and offer you helpful online and in-person training. Our multilingual Customer Service team is also available to assist you and your customers with travel insurance questions and concerns.

At sales time, we make it easy for you

Using our online sales systems, you can sell a travel insurance policy in minutes. For travellers under 60, we provide a quick application process with no medical questions required. We require travellers 60+, to fill out our simple Medical Health Questionnaire to determine rate, not eligibility.

At claims time, we take care of your customers

Our in-house claims team is on-hand to deal with your customers’ claims. As an ISO 9001:2008 certified company, we adhere to quality assurance standards and work towards continuous improvements of the areas of service we provide.

Let TuGo help you build your business. Partner with us today!

Travel Insurance Bill of Rights and Responsibilities

TuGo is a proud member of the Travel Health Insurance Association (THIA) . Travel insurance is designed to protect travellers against unexpected medical costs and other expenses associated with the cancellation, interruption or delay of travel arrangements. Our collective goal is to ensure that every claim submitted has the opportunity to be paid.

That’s why THIA has introduced these Travel Insurance Bill of Rights and Responsibilities , offering confidence to travelling Canadians:

You Have the Right To:

A No Obligation Purchase Your travel insurance provider will allow you a ‘10-day free look’.
Be Informed You will receive your policy documentation and confirmation of coverage outlining the policy terms and conditions whether purchased in person, over the phone or online.
Request Clarification You may ask questions about the travel insurance you have purchased.
Review & Modify Medical Screening You will receive a copy of the answers you provided on the medical questionnaire prior to the start of your policy.
Receive Worldwide Assistance & Toll-free Support You have 24/7 access to the help you need when you need it from your travel insurance provider.
Fair & Prompt Claims Handling You will have a timely and transparent communication process.
Escalate & Appeal You may challenge decisions and request additional reviews with new information.
Confidentiality Your personal information will be protected in all dealings with your travel insurance provider.
Know Your Insurer Your policy will clearly identify the underwriter of your travel insurance and the process to file and resolve complaints.
Your Preferred Language You may transact and correspond about all components of your travel insurance in English or French.

You Have the Responsibility To:

Provide Accurate Information The travel insurance application needs to be completed accurately.
Understand Your Policy Take the time to read and understand your policy.
Travel With Proof of Insurance Have your policy number and emergency assistance contact information easily accessible.
Notify Your Travel Insurance Provider Provide prompt and timely communication when a claim situation arises and provide all requested documentation related to your claim including all relevant receipts.

For more information, watch this short overview of THIA’s Bill of Rights and Responsibilities , or download this PDF for easy reference .

Follow TuGo on Twitter

Search tugo.

We use cookies to give you the best possible experience of our website.

If you continue, we’ll assume you’re happy for your web browser to receive all cookies from our website. You can learn more about our use of cookies in our Terms of Service and our Privacy Policy .

Insurance Partners

We partner with the best! Goose Insurance coverages are offered to you in partnership with these best of class insurance partners.

AIG Insurance

AIG Canada has provided insurance solutions for over 50 years and is federally licensed to operate in all provinces and territories in Canada. AIG Canada underwrites our Hospital Cash and Income Protection coverages.

American-Amicable Group

Tracing its roots back to 1910, American-Amicable Life Insurance Company of Texas is a progressive special markets insurer. We have proudly partnered with them to offer Term Life Insurance and Final Expense coverage.

iA Financial Group

Goose Insurance Group Life, Accidental Death and Dismemberment and Critical Illness coverages are underwritten by Industrial Alliance Insurance and Financial Services Inc (iA Financial Group). Founded in 1892, iA Financial Group is one of Canada's largest insurance and wealth groups.

IMG International

IMG offers a full line of international medical insurance, trip cancellation and stop loss programs, as well as 24/7 emergency medical and travel assistance to meet the needs of anyone traveling or residing away from home.

A global leader in international health and life insurance solutions, MSH underwrites our Kids Insurance and COVID-19 insurance products.

Goose Insurance's Travel Medical Insurance policies are underwritten by TuGo Travel Insurance Canada. TuGo is Canadian-owned and operated for over 60 years and specializes in products & services that support travellers' health, wellness, and safety across the globe.

Lloyd’s of London

Goose Insurance's Visitors to Canada Insurance policies are underwritten by Lloyd’s of London. Lloyd’s is the world’s leading insurance and reinsurance marketplace for commercial, corporate and specialty risk solutions.

Teacher’s Life

We take pride that our Term Life Policy is underwritten by Teachers Life, North America's largest educator-owned fraternal insurer, and reinsured by Gen Re, protecting lives and properties since 1929.

Likewize offers the most comprehensive protection against any technology disruption. Likewize underwrites our device protection product.

Sutton National

Sutton National underwrites our renters insurance product.

Goose is funded and backed by the best!

We are humbled and proud to have raised funding from these amazing partners.

Impression Ventures

Impression Ventures is a venture capital firm with committed capital sourced from some of Canada’s leading financial institutions, entrepreneurs, and financial services executives.

Manchester Story

ManchesterStory is an investment firm working side-by-side with each portfolio company to advance the healthcare, insurance and financial service sectors.

Real Ventures

Canada’s leading early-stage VC firm dedicated to serving entrepreneurs and nurturing the communities in which they thrive.

Axis Ventures

Axis Insurance was formed in 2010 through an amalgamation of several BC based insurance brokerages with roots tracing to 1928. And has made a mark in the commercial lines of insurance across Canada.

iHeart Media

With over 860 live broadcast stations in 160 markets across America, there’s a local iHeartRadio station virtually everywhere.

Cookie Consent

We use cookies to serve you a more personalized experience on the Goose Insurance website and mobile app and to serve you relevant content. By clicking "Accept", you consent to our use of cookies. For more information, please read our privacy policy.

IMAGES

TuGo
Get The Perfect 2-Day Multi Trip Travel Insurance For Your Cross-Border
Tugo travel insurance: 15 months for the price of 12!
TuGo Travel Insurance Review 2024
TuGo Travel Insurance: A Full Review
TuGo

VIDEO

Bora Bora Travel Guide
Underwrite Loans

COMMENTS

Our Underwriters
Our Underwriters. TuGo's insurance policies are underwritten by the following insurers: Any complaint or disputes should be sent to [email protected]. While we endeavour to consider and resolve all complaints on a timely basis, in the event you remain unsatisfied, you may refer your complaint to the main underwriter Industrial Alliance. Please ...
Who is the best travel insurance provider?
We've had TuGo insurance for several years now. I've compared prices and TuGo remains the best. Now that we've had to use the insurance for an emergency, we're even more convinced—thank you. Cathy R. We had exceptional claims handling. We were in contact with the representatives from TuGo every step of our incident.
Is TuGo Travel Insurance right for you? Review 2024
For claims, you can call 1-800-663-0399 or email TuGo at [email protected]. For all other travel insurance inquiries, use this number 1-855-929-8846 or email [email protected]. Save up to 25% on your travel insurance with our partner soNomad. Get a quote. 1-888-550-8302.
TuGo Travel Insurance Review 2024
About TuGo Travel Insurance. Founded in 1964, North American Air Travel Insurance Agents Ltd., operating as TuGo, is a licensed insurance agency in all Canadian provinces and territories. TuGo is ...
TuGo Travel Insurance
TuGo ® is a registered trademark owned by North American Air Travel Insurance Agents Ltd., doing business as TuGo ® Address: 6081 No. 3 Road #1200, Richmond, BC V6Y 2B2. Telephone: 1-855-929-8846. Please note: if you want to file a claim, please visit our Claims Page and refer to the contact information for the TuGo claims department.
I've Submitted My Travel Insurance Claim—What Happens Next?
Please wait to contact us until the day of your planned travel date or afterwards. We're unable to assist you with opening a claim or confirming coverage prior to this point. To make a claim, please submit online or call 1-800-663-0399 or email [email protected].
TuGo: Travel Insurance
General Questions. For claims. 1-800-663-0399. [email protected]. How to start a claim. View claim FAQs. For all other travel insurance inquiries. 1-855-929-8846
TuGo, Travel Underwriters Accident Insurance Canada, Travel Medical
OTHER PLANS (additional rates apply) - Multi Trip Annual - 2, 5, 10, 15, 20, 35 and 60 days options. - All Inclusive Package - Hospital and Medical up to $5,000,000; Trip Cancellation up to $1,000; Flight Accident $100,000; Trip Interruption - $25,000 and Baggage up to $500.
Patrick Robinson, former CEO of TuGo, passes away
Dec 04, 2023 Share. Patrick Robinson (pictured), former CEO of travel insurance provider TuGo, has passed away. Robinson played a pivotal role in shaping TuGo's trajectory during his nearly ...
TuGo, Travel Underwriters Students insurance Canada, health insurance
- Accidental Death and Dismemberment insurance (24-Hour Accident) - $25,000. - Air Flight/Common Carrier Accident - Maximum limit $100,000. * These benefits must be pre-approved and arranged by Claims at TuGo. ** This benefit is available once during a 12 consecutive month period, provided the minimum term of insurance purchased is 180 days.
How to Better Understand Your Travel Insurance Policy
Before you buy travel insurance. Understanding your travel insurance policy starts with learning more about the type of coverage you have. Before you buy, identify the types of travel insurance that'll best meet your needs and confirm the coverage limits to know the exact amount of protection you have. At this point, it's also a good idea ...
TuGo
For over 50 years, TuGo (formerly Travel Underwriters) has insured millions of travellers and become one of Canada's leading travel insurance providers. You can Rest Insured, knowing our experience and expertise will cover you against unexpected accidents or illness when you're away from home.
Travel Insurance
We can also provide travel insurance for visitors to Canada. The most basic coverage that everyone should hold is Emergency Travel Medical Insurance, which will pay for the costs of ambulance, hospital visits, and other emergency medical services. Additionally, travellers can purchase Trip Cancellation, Trip Interruption, and Baggage insurance.
Travel Insurance Quote
To obtain a quote for travel insurance, please follow the link to be redirected to TUGO's online insurance platform here. Please note: the information that you provide in this questionnaire will be used to determine your premiums and eligibility for insurance, and you are responsible for the accuracy of the answers you provide.If you falsely describe or fraudulently omit any fact that is ...
Login to Partner Platform
At TuGo, collaboration, understanding and flexibility are fundamental to the relationships we've built with our partners. Our partners include insurance brokerages and agencies, automobile associations, airlines, travel industry-related companies, financial services and Fortune 500 companies.
Travel Insurance Bill of Rights and Responsibilities
TuGo is a proud member of the Travel Health Insurance Association (THIA). Travel insurance is designed to protect travellers against unexpected medical costs and other expenses associated with the cancellation, interruption or delay of travel arrangements. ... Know Your Insurer Your policy will clearly identify the underwriter of your travel ...
Who is the underwriter for Goose's Emergency Travel Medical insurance
The actual underwriter is Industrial Alliance Pacific General Insurance Corporation. All claims are administered by North American Air Travel Insurance Agents Ltd. d.b.a. TuGo, a licensed national insurance broker.
Insurance Partners
A global leader in international health and life insurance solutions, MSH underwrites our Kids Insurance and COVID-19 insurance products. View Website . TuGo . Goose Insurance's Travel Medical Insurance policies are underwritten by TuGo Travel Insurance Canada. TuGo is Canadian-owned and operated for over 60 years and specializes in products ...