tu go travel insurance

How Does Travel Insurance Work?

Travel insurance is a must have for traveling the world and keeping peace of mind. This applies whether you are traveling for fun or taking a business trip to another area. The benefits of travel insurance include more than just peace of mind, however.

Having travel insurance can save you money on a range of costs in case your trip is interrupted. In the absence of insurance, you could be out of pocket for travel tickets purchased and other expenses that you had prepaid.

Below, find out how travel insurance works, and what it benefits are for the individual traveler.

Types of Travel Insurance

If it’s your first time buying travel insurance, you may be confused at the variety of offers from travel insurance companies. The numerous types of insurance products for travelers is partly responsible for the complexity.

Travel insurance comes in the following broad categories:

• Trip cancellation – Covers the interruption and cancellation of your trip.
• Medical and evacuation – Will pay medical costs such as for sudden illness and evacuation to a treatment center
• Baggage – Covers lost or stolen baggage

You can also buy hybrid insurance plans that cover all aspects of your trip.

Buying Travel Insurance

Before buying travel insurance, you need to determine the right type of insurance for your needs.

If you are traveling close to home, chances are you won’t need medical and evacuation cover. However, if you are traveling to a far off country and engaging in high-risk activities such as sports, injury insurance cover, for example, might be in order.

Once you decide on the right type of travel insurance, check with the major travel insurance providers for your state. Compare multiple providers to make a well-informed selection.

Understanding the Benefits Included in a Plan

When you buy a travel insurance plan, make sure to educate yourself on all the included benefits. This will make sure you know what is available and can make use of the benefit if need arises.

Typical benefits to check out include trip cancellation, lost baggage, and medical assistance. For each benefit offered in your plan, make sure you understand what amount the benefit will provide. Trip cancellation benefits, for example, may cover all or part of your ticket and hotel expenses.

How Travel Insurance Claims Work

When you go on your trip, make sure to bring with you your travel insurance policy credentials. This includes your policy number and any other proof that you are actively enrolled in the policy.

Alert your travel insurance company immediately if the need arises to file a claim. This might be in the form of lost baggage, a cancelled trip, or medical events.

Collect any receipts and documentation that will be necessary to support the claim. This includes, for example, a police report in case of stolen baggage.

Once you submit the claim forms with documentation, the insurer will assess your claim. Check with them after a reasonable time for progress on your claim.

Costs and Fees Associated with Travel Insurance

Costs for insuring your trip depend on the total trip cost. This is true, for example, for vacation packages that cover all your travel expenses such as on a cruise. The travel insurance company might charge anywhere from 5% to 10% of the total trip cost in insurance fees.

Optional add ons such as “cancel for any reason” will cost extra. You may save some money by selecting a higher deductible for your travel insurance plan. Be careful with this, however, as you could end up paying more out of pocket if something goes wrong on your trip.

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How Much Is Travel Insurance?

Going on a dream vacation sounds like paradise, but sometimes, life happens and your plans just don’t work out. Purchasing travel insurance can give you some peace of mind and guard against the unexpected. Travel insurance plans work differently than other forms of insurance . They also have distinct, and often confusing, pricing models. Let’s clear the air about travel insurance policies before you take to the air.

What Does Travel Insurance Really Cover?

Travel insurance coverage varies from one carrier to the next. The most popular type of insurance that travelers purchase in North America is Cancellation & Interruption protection. This covers the non-refundable costs of your trip if you can’t travel due to unforeseen circumstances such as an illness or financial issues of your travel carrier. This plan also covers you if you (and your family, if applicable) would happen to fall ill during your trip and have to return home. You can purchase insurance to cover other aspects of your trip as well, such as protecting against potential flight issues and lost or damaged baggage.

What is the Average Cost for Travel Insurance?

The peace of mind afforded to travelers does come at a cost. The price is dependent on which insurance provider you choose for coverage and how much coverage you desire. If you choose a comprehensive policy, you will generally spend between four and eight percent of the total trip price. This means if your dream getaway costs $8,000, you can expect to pay between $320 and $640 to insure it.

Is Travel Insurance Worth Getting?

Many consumers are unaware that they may already have some hidden insurance benefits. Many credit cards offer coverage for lost luggage. Some even have insurance benefits for trip cancellation (up to a pre-determined limit). Check with your credit card issuer to see what benefits they have for travelers . Also, be sure to know what your health insurance already covers. If it provides you with benefits when traveling out of the country, there would be no need to double up and spend the money on additional coverage through a travel insurance policy.

Why Should You Purchase Travel Insurance?

Having peace of mind while traveling is worth the price for many commuters. Protecting your financial investment in your trip and that warding against unforeseen events are just a couple of the reasons why travelers choose to insure their trips. When the unexpected occurs, it’s better to be prepared with trip insurance.

How Can You Get Travel Insurance?

The best way to get the insurance you desire is to shop around. You may be offered insurance automatically when you book your flight online. Some companies, like Expedia, that offer vacation bundles, will also insure parts of your vacation or the whole package . This may not be the most cost-effective option for you, and it’s always wise to stop by or call a travel agent and see what he or she is able to offer you. There are also plenty of websites that offer free price quotes from several different insurers, all based on your customized needs.

If you can’t bear the thought of your best laid plans falling apart, you can always fly by the seat of your pants with some last minute travel .

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TuGo® Travel Insurance

TuGo Travel Insurance is the perfect travel partner. It protects you and your loved ones outside of your home province. TuGo Travel Insurance lets you travel with confidence, protecting you against the out-of-pocket costs of medical emergencies, delays, theft and last-minute plan changes.

TuGo isn’t just any Canadian travel insurance provider. For over 55 years, TuGo has been an innovator in the travel medical insurance business. They specialize exclusively in insurance and assistance for travel’s ups and downs. Their dedication to travellers has made them one of Canada’s top travel insurance providers and one of “Canada’s Best Managed Companies.”

TuGo understands your needs and is passionate about helping you have better experiences, providing top-rated claims assistance and customer service. TuGo products and services are easy to use and go beyond financial protection. TuGo promises to help however they can when things go wrong or when you just want some helpful advice — and they deliver what you need when you need it.

About TuGo Travel Coverage

Are you a Canadian resident? You rely on your provincial or territorial health insurance plans to cover healthcare expenses. But if you’re heading to a tropical beach, cross-border shopping or visiting family or friends in another province or country — your government healthcare plan won’t provide you with that same protection, leaving you to deal with out of pocket healthcare costs.

TuGo Traveller products let you enjoy your trip knowing you are travelling protected. At SBIS, we make it easy; click the links below to find the coverage that’s right for you.

And if you have trouble getting insurance, we have other specialty products that may be right for you. Call us at SBIS for all your travel needs. We’re here to help.

TuGo Emergency Medical Travel Products

• TuGo Traveller Emergency Medical Insurance (single trip and annual multi-trip):

No one ever plans to need medical care while away, but if you do experience a misadventure on your trip, Emergency Medical Insurance covers hospital and doctors’ fees, prescriptions, emergency dental care, and even the return of an accompanying pet.

TuGo will deal with the details so you don’t have to, and they’ll coordinate the best possible medical care so you can travel confidently. Choose worldwide coverage or a plan for travelling within Canada, for a single trip or annual coverage.

Additional Travel Insurance Options

• Visitors to Canada / Returning Canadians Plan Are you taking a quick tour, visiting family or friends, or waiting for your provincial healthcare plan to take effect? Canada has a great healthcare system but if you’re not a resident, you won’t be covered — and medical costs (including dental care) can be expensive. The Canadian government recommends all visitors buy health coverage before exploring Canada.
• Student Emergency Medical Travel Insurance (Inbound or Outbound) Are you a Canadian student planning to study abroad or an international student studying in Canada? Getting sick or injured away from the comforts of home can be especially stressful, so you’ll want to know you’re taken care of. At TuGo, we’ll make sure you get the best possible medical care so you can concentrate on what matters most, like getting your assignments in on time and making new friends!
• Trip Cancellation, Interruption & Baggage Loss (single and annual multi-trip)Life is full of surprises and so is travel! You can’t predict a natural disaster, job loss or the death of a family member or friend. When an unexpected event prevents you from travelling, Trip Cancellation & Trip Interruption plans reimburse travel costs if your trip is cancelled before you leave, or disrupted after it has begun. Perfect for Canadian residents or visitors to Canada who want to feel confident that their trip’s covered despite life’s surprises. Trip Cancellation & Trip Interruption is available as a Single or Multi-Trip policy. It can be purchased as a stand-alone plan or as part of a package, or choose the Trip Interruption only plan. Renting a car? You can add Car Rental protection if your rented or leased vehicle is damaged. Worried about losing your baggage? You can add coverage if your personal effects are damaged or stolen while you are on your trip.
• High-Risk Sports Coverage Love living life to the limit? Coverage is available for sports enthusiasts like you, who live for a thrill! TuGo will cover you for sickness or accidents when you travel and participate or compete in a wide range of contact, adventure and extreme sports.

Ready TuGo?

Discover TuGo travel insurance today and get the travel assistance you need with myTuGo!

• Access Policies: You will see all of your policies all in one place
• Claims: You can open a claim online, download claim forms, and check your claim’s status
• Find Assistance: Find local clinics and hospitals easily using Clinic Finder.

If you are a Canadian traveller going abroad or to another province, someone visiting Canada or a student planning to study here for a term or longer, Special Benefits Insurance Services and TuGo can work with you to bring you peace of mind with the emergency travel medical coverage you need.

Contact us to get started on a no-obligation quote for travel insurance.

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Whether it’s travel insurance, individual health and dental insurance plans, or any of the other products in their portfolio, I know that I can vest my trust and confidence in SBIS, because our clients will be well served and protected. SBIS has been and continues to be, a great partner to work with.

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If you have any questions, would like more information or need assistance selecting a plan, please do not hesitate to call us.

Business hours

Monday to Friday 8:45 a.m. – 4:45 p.m. Eastern Time

Phone: 1-800-667-0429 or 416-601-0429

Head Office: Special Benefits Insurance Services 20 Toronto Street, Suite 860, Toronto, ON, M5C 2B8

North East Branch: Special Benefits Insurance Services 3091 Chandler Dr, Port Perry, ON, L9L 1B6

TuGo Traveller Travel Insurance

(underwritten Industrial Alliance Insurance and Financial Services Inc. and Industrial Alliance Pacific General Insurance Corporation)

NOTE . Topping-up: When you have travel insurance coverage with another insurer or TuGo and want to top up this existing coverage, the start (effective) date of the policy you apply for using this link, is the day following expiry of your existing policy. Enter this date to the online application, click on "Customize" on the next page, click on " Top-up " , and enter the number of days you have with the existing policy.

Covid-19 Coverage

Travel Insurance FAQ

Quarantine Coverage (Trip interruption Insurance)

For assistance , please call 416-493-0101, 1-877-443-0101

Emergency Medical Insurance(Single -Trip  and Multi-Trip)

Eligibility.

At the time of application, you are eligible for coverage if: 1. You are a Canadian resident  covered by a provincial health insurance plan for the entire trip length 2. You are not travelling against a physician or other registered medical practitioner’s advice. 3. You have not been diagnosed with a terminal condition (Terminal condition means a medical condition for which, before the date of departure a physician has given you a terminal prognosis with a life expectancy of 12 months or less)

4. You are not receiving palliative care or palliative care has not been recommended.

No age limit. Applicants 60 years old and over have to complete the Medical questionnaire to determine rate category for the Worldwide and Worldwide excluding USA plans.

For the plan in Canada and 2-day Annual multi-trip plan, no medical questionnaire is required.

Single-Trip Plan

Provides coverage for a single trip:

● Worldwide,

● Worldwide excluding USA,

For Worldwide excluding USA policies, coverage is limited to travel outside the USA except for:

- Flight stopovers or flight layovers in the USA up to 48 hours; or,

- Transit through the USA by car, van, truck, recreational vehicle, motorcycle, bus or train for up to five days to your travel destination and up to 5 days to return from your travel destination.

● in Canada only, outside of home province

If you are travelling by cruise ship and the cruise departs from or stops at any ports in the USA, you must purchase a Worldwide plan for the full duration of your trip.

One temporary visit to your home province is permitted during your period of coverage provided the temporary visit is unexpected and beyond your control.

Multi-Trip Plan

Annual plans: Worldwide and in Canada only. Choose from 2, 5, 10, 15, 20, 35, 60 days per trip .

For the plan within Canada , you will be covered for 12 months and can take an unlimited number of trips, which start and end in your province of residence, up to the trip duration you have chosen.

For the Worldwide plan , when travel is within Canada but outside your province of residence, coverage is automatically provided beyond the maximum number of days selected at the time of purchase but limited to the expiry date of the Policy.

When travel is outside Canada, coverage is limited to the maximum number of days selected. The trip duration begins on the date you leave Canada and terminates when you return to Canada.

Clients 58 years and under are eligible for the automatic renewal option.

Top-up (applicable to Multi-trip and Single-trip plans)

This insurance can be purchased as a Top-up to another emergency medical insurance plan.

When symptoms or treatment for an emergency medical condition begin before the effective date of this top-up Policy and while you are covered by the insurance plan being topped-up, the insurer will pay eligible expenses incurred on or after the date this top-up Policy takes effect as if the emergency medical condition began under this top-up Policy.

Coverage for emergency medical conditions which began before the effective date of this top-up Policy is only provided if there is no lapse between the insurance plan being topped-up and this top-up Policy

Automatic $300 USD deductible; other deductible options of $500, $1,000, $2,000, $5,000, $10,000, $25,000, $50,000, $100,000 are available for premium discount. For $0 deductible, 15% surcharge applies. For the Canada plan, all deductibles are in Canadian dollars.

Family & Friends Plan

Coverage is available for up to two individuals 59 years and under and up to six dependent children. The individual(s) named in the Family & Friends plan do not have to be the parent(s) or guardian(s) of the dependent children. Includes children up to age 21 or 25 if attending full time school or physically/mentally handicapped.

Sport & Activities Coverage

Optional coverage for travelers who participate in, coach, teach, train or practice different sports: Freestyle Skiing, Downhill mountain biking, Motorized speed contests, Parachuting, Rock climbing, Boxing, etc. Please Click here for more information.

Refunds are not available if a claim has been or will be submitted.

Applicable to Multi Trip Annual and Single Trip :

- When the request for refund is received PRIOR to the effective date of the Policy, a full refund is available.

- When no travel has taken place and the request for refund is received AFTER the effective date of the Policy:

a) A full refund is available within 10 days of the application date; or,

Applicable to Single Trip Only: In the case of early return to your home province, partial refunds may be available. All partial refunds will be subject to an administration fee.

Policy Extensions

If you decide to stay longer, you can extend your period of coverage before your Policy expires,if you have not submitted a claim and have no intent to submit a claim.

At the time the period of coverage ends, coverage will be automatically extended at no additional premium :

•   For 7 days in the event your common carrier is delayed.

•   For the remaining period of your hospital confinement plus 7 days after release from the hospital; or,

•   For 7 days if you are unable to travel on your scheduled return date but you are not hospitalized.

Emergency Medical Benefits for Canadian Travelers

Exclusions and Limitations. Travel medical insurance does not cover everything. This insurance has exclusions, conditions and limitations. Please learn them and understand the policy before you buy this insurance.

Pre-Existing Medical Condition Exclusion

for Emergency medical coverage, Worldwide and Worldwide excluding USA Plans

The company will not be liable to provide coverage or services, or to pay claims for expenses incurred directly or indirectly as a result of any pre-existing condition as defined, except as follows:

Unstable Pre-existing Medical Condition Coverage ( Optional )

This coverage can be purchased as an endorsement to an Emergency Medical Insurance Worldwide or Worldwide Excluding USA plan. Coverage Maximum limit − $300,000

When this Optional Coverage is purchased, the company will pay for medical and related expenses up to this coverage limit for an  emergency incurred as a result of your pre-existing medical conditions that do not meet the regular stability requirements but were stable on or within the 7 days before the date of departure.

If you purchased this policy to top-up any other insurance plan, the stability for medical conditions is based on your total trip length.

Travel Within Canada Plans

There is no stability requirement for pre-existing medical conditions.  

Some other Exclusions

This policy does not pay for expenses incurred directly or indirectly as a result of:

- Conditions or any related conditions for which, prior to departure, testing or investigative consultation took place, was scheduled to take place or was recommended (not including routine check-up or routine monitoring for a medical condition), and for which results had not yet been received at the time of departure. This includes tests that were recommended or scheduled prior to departure, but had not yet taken place at the time of departure.

- Any cancer (other than basal cell or squamous cell skin cancer) for which you received or were recommended to receive cancer treatment in the 3 months prior to the date you leave for your trip. This includes cancer treatment that you were recommended to receive but chose to decline.

- Any condition(s) for which you are registered on a waiting list in Canada for treatment or diagnosis.

- Ongoing care, rehabilitation or check-ups.

  Please refer to the policy wording for full list of exclusions .

Non-Medical Package (Single Trip) includes the following benefits:

1) Trip Cancellation/Trip Interruption Insurance :

Sum insured prior to departure — Up to the limit of Insurance purchased (Max amount of coverage is $100,000) Sum insured after departure — $25,000

2) Accidental Death and Dismemberment Insurance Maximum sum insured for Air Flight/Common Carrier Accident — $100,000 Maximum sum insured for 24-Hour Accident — $25,000

3) Baggage Insurance : Sum insured — $500

You can buy this package separately or all together with Emergency Medical Insurance.

All Inclusive Holiday Package is available for persons under 59 years and includes the following benefits: 1) Emergency Medical Insurance Maximum limit —$5,000,000

2) Trip Cancellation/Trip Interruption Insurance Sum insured prior to departure — Up to the limit of Insurance purchased Sum insured after departure — $25,000

3) Accidental Death and Dismemberment Insurance Maximum sum insured for Air Flight/Common Carrier Accident — $100,000 Maximum sum insured for 24-Hour Accident — $25,000

4) Baggage Insurance : Sum insured — $500

Trip interruption Insurance (Quarantine Coverage) 

If you purchased Trip Interruption coverage before you left for your trip, and you have to quarantine due to a positive COVID-19 test result, which prevents you from returning home as scheduled, you’ll have access to all the applicable trip interruption benefits, which includes coverage for the cost of a one-way economy airfare to your original point of departure, as well as out-of-pocket expenses up to $350/day to a maximum of $1,500 for commercial accommodation, meals, internet, telephone and taxi expenses. There is no coverage for other situations related to COVID-19 (e.g. flight delay or cancellation)

NOTE: The product-related information is for illustration purpose only. Please refer to the Policy  Wording

 for details on the coverage provided, conditions, exclusion and claim procedure.

Emergency Medical Claims Examples

Outbound Travelers, Ages 0-59

Outbound Travelers, Ages 60+

Travel within Canada

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OPTIMAL TRAVEL

Tugo™ TRAVEL INSURANCE

Travel Insurance Made Easy to Purchase Online. Instant Approval.  Receive all your documents by email. Buy Direct, Online or by Phone; You Get the Same Price! ‍

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Ensuring you get the plan that fits your needs.

Those policies defines the various types of benefits and combined available with this insurer. Once purchase, you will be provided with your insurance certificate and your Travel Insurance contract. Those documents contains clauses which may limit the amounts payable.  All document will be send to you by email. IMPORTANT: Once you purchase your travel insurance coverage, always refer to the contract that will be provided by the insurer with your certificate of insurance. If any exclusions, limits or specification for you specific situation will be outline. ‍ ** Please read all documents provided carefully.

Claims & Emergency Assistance If you have a question about your claim or require medical attention, call the emergency number located on your wallet card or listed in the confirmation documents. This 24/7 emergency assistance line will connect you with a TUGO representative who can assist you with your claim or medical situation. Medical Claims:  1-800-663-0399   /  1-604-278-4103  (Collect) Email:  [email protected] Address:  OneWorld Assist Three West Centre 11th Floor - 6081 No. 3 Road Richmond, British Columbia V6Y 2B2

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  Optimal Travel™ is changing the face of Travel Insurance! We're not an insurance company - we represent them!Our main goal is to provide you with a comprehensive understanding of insurance plans and find you coverage that best meets your needs at an affordable price. We offer many types of travel coverage, making it easy and seamless to access proper coverage online or by phone. We take pride in the service we offer, and we have faith in our products.  Let our Team of Licensed Travel Insurance Specialists do the research for you. | Authorized Agents for Allianz Travel Insurance ‍ Our services extend to the following provinces/cities across Canada and more: Ontario | Newfoundland | Labrador | Nova Scotia | Prince Edward Island | New Brunswick | Alberta | British Columbia | Saskatchewan Insurance Carrier: Tour+Med | Blue Cross Travel™ | TuGo |  Allianz |  Manulife | GMS

Travel advisory: Regions impacted by Israel-Hamas conflict

Why Canadians need travel insurance

If you’re heading to a tropical beach, cross-border shopping or visiting family or friends in another province or country—your full provincial healthcare plan won’t go with you. That means, if you experience a medical emergency away from home, you’ll be left to arrange for care and pay for it too.

At TuGo, we deal with the details, so you don’t have to. We’ll coordinate the best possible medical care so you can travel confidently.

Optional Coverages

Emergency Medical Insurance saves a cross-border traveller a bundle

Bryan was skateboarding in San Francisco when he fell into traffic and hit his head on the pavement. Bystanders quickly called an ambulance and Bryan was taken to a medical centre. A CT scan showed a subdural hematoma and x-rays revealed a fractured wrist. A doctor worried about a brain bleed, admitted Bryan to the hospital. He was kept in the hospital for 2 days and given repeat CT scans and a splint. As Bryan remained stable with no signs of any internal bleeding, he was sent home with pain medications and instructions to follow up with his family doctor once he returned to Canada.

Our travel insurance covered: $27,898.43

Emergency Medical Insurance

No one ever plans to need medical care while away; but if you do experience misadventures on your trip, Emergency Medical Insurance covers hospital and doctors’ fees, prescriptions, emergency transportation and more.

Learn more about Emergency Medical Insurance

Get travel insurance online

To start a quote or purchase, select your province, then your TuGo insurance partner of choice.

Choose a travel insurance partner to get an online quote:

Click here to start a new search.

Trip Cancellation & Trip Interruption

Life is full of surprises and so is travel! You can’t predict a natural disaster, job loss or the death of a family member or friend. When an unexpected event prevents you from travelling, Trip Cancellation & Trip Interruption reimburses travel costs if your trip is cancelled before you leave, or disrupted after it has begun.

Learn more about Trip Cancellation & Trip Interruption

Trip Interruption Insurance

110% sure you’re not going to cancel your travel plans? What if something happens while you’re already away? Trip Interruption Insurance will reimburse your travel costs if your plans are disrupted after the trip has begun.

Learn more about Trip Interruption Insurance

Accidental Death & Dismemberment

Accidental Death & Dismemberment covers you in the event of your unfortunate death or dismemberment, anywhere outside of your home. It’s available as a stand-alone Single Trip or Multi Trip Annual policy, or as part of an All Inclusive Holiday or Non-Medical Package.

Learn more about Accidental Death & Dismemberment

Non-Medical Package

Don’t need Emergency Medical insurance coverage? Our Non-Medical package protects you for missed flights, lost baggage and more!

Learn more about Non-Medical Package

All Inclusive Holiday Package

Looking for a travel insurance plan that has it all? Our All Inclusive Holiday Package is the one for you. You’ll be protected for medical emergencies while away, missed flights, lost or damaged baggage and more!

Learn more about All Inclusive Holiday Package

Sports & Activities

We’re helping travellers have better travel experiences; and knowing they’re covered for the activities they love is an important part of that. That’s what makes our travel insurance unique!

Learn more about Sports & Activities

Cancel for Any Reason

Need flexibility when it comes to travel planning? Add Cancel for Any Reason to Trip Cancellation & Trip Interruption Insurance and you’ll get just that.

Learn more about Cancel for Any Reason

Baggage Insurance

Avoid getting caught with only the clothes on your back! No one wants to wear that gift shop shirt for a week until the bags arrive. With Baggage Insurance, you’ll be able to get the essential things you need, while on your trip.

Learn more about Baggage Insurance

Rental Car Protection

You want your rental car to be covered for damage or loss no matter where you’re headed. Rental Car Protection ensures a smooth road ahead.

Learn more about Rental Car Protection

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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: - Emergency Medical Expenses maximum benefits : $5,000,000 - Hospital Services - semi-private accommodation. - Physician Services. - Ambulance Services - ground, air or sea rescue ambulance and paramedics. - X-ray Examinations and diagnostic laboratory procedures. - Prescription Drugs for a maximum supply for 30 days (up to $200 for lost, stolen or damaged prescription drugs). - Vision Care and Hearing Aids – up to $1,000 for the replacement of prescription glasses/sunglasses, contact lenses or hearing aid due to theft, loss or breakage. - Rent or purchase of essential medical appliances including but not limited to wheelchairs, crutches and canes. - Private Duty Nursing services. - Follow-Up Visit - One follow-up visit within the 14 days after the initial emergency medical treatment. - Fracture Treatment - up to $1,250 for cast removal, physiotherapy, X-ray, re-examination or re-casting, if medically necessary. - Professional Medical Services of physiotherapist, chiropractor, chiropodist, osteopath, podiatrist, optometrist and acupuncturist up to a maximum limit of $700 per practitioner. - Accidental Dental up to the policy limit for an accidental blow to the face requiring the repair or replacement of whole or sound teeth.  - Emergency Dental , maximum $700 for a pain relief, other than caused by an accident. - Hospital Allowance - $100 per day for TV rental and telephone charges while in hospital. - Remote Evacuation  – Up to $6,000 for reimbursement of expenses for non-medical emergency evacuation from a remote location. This includes search and rescue services for mountain, sea or other remote locations. - Emergency Air Transportation air ambulance, one-way airfare, stretcher, and/or a medical attendant to the nearest appropriate medical facility or to return you to your home province for immediate medical treatment.  * This benefit also includes up to $700 to return your excess baggage. * - Domestic Services in Canada – up to $300 for domestic services (cooking, cleaning, child care or pet care) at your principal residence, if you have been returned to your home province under the Emergency Air Transportation Benefit. - Medical Follow Up in Canada - up to $1,000 for a semi-private room, $100 for home care nursing, $300 for ambulance services, and $300 for rent or purchase of essential medical appliances, if you have been returned to your home province under the Emergency Air Transportation Benefit. - Return of Travelling Companion - one-way economy airfare for one travelling companion to return back to the original departure point , if you are returned to Canada under the emergency air transportation benefit. * - Return of Dependent Children  - one-way economy airfare for dependent children travelling with you to return back to the original departure point and the cost of a chaperone when necessary, if you are returned to your home province under the emergency air transportation benefit. * - Child Care – Up to $500 per day to a maximum of $5,000 for child care costs for insured children 18 years and under who are travelling with you when you are confined to hospital. - Return to Your Destination - one-way economy airfare to return you to the place you departed from or to continue your trip as originally scheduled, if you are returned to your home province under the Emergency Air Transportation Benefit. - Repatriation (Return of Deceased) – the cost of preparation and return of your body to your home province or up to $6,000 for burial or cremation at the place of death (excluding cost of a burial coffin or urn). - Family Transportation - the cost to bring a family member to you and up to $500 per day to a maximum of $2,500 for meals and accommodation, in case you have been hospitalized or to identify your body (if necessary) in case of your death. * - Out of Pocket Expenses – up to $500 per day to a maximum of $5,000 for your commercial accommodation, meals, telephone calls, internet charges, taxi fare, parking charges, bus fare and/or rental, if your travelling companion is confined to hospital on or after the date you are scheduled to return to your home province OR Your travelling companion is transferred to a different hospital in another city for emergency medical treatment. - Return of Vehicle – up to the policy limit to return your vehicle in case of a medical emergency. * - Return of Accompanying Pet – up to $300 for returning your accompanying pet, if you have been returned to your home province under the emergency air transportation or the repatriation benefit. - Unexpected Birth of a Child - $25,000 for medical expenses incurred by your newborn child following the unexpected birth. This benefit is not payable during the nine weeks before the expected date of delivery or within the nine weeks after. - Air Travel Delay Expenses – up to $900 for meals and accommodation, up to $400 for additional transport, up to $400 for entertainment and up to $900 for baggage lost.

*Some of the benefits need to be pre-approved and arranged by Claims at TuGo. Please read the insurance policy (attached below) for full descriptions and condition of the insurance benefits.  

OPTIONAL SPORTS & ACTIVITIES COVERAGE (up to the sum insured): Applicable to All Ages:  When this Optional Coverage is purchased, the company will reimburse you for the reasonable and customary charges for medical and related expenses up to the coverage limits for an acute, sudden and unexpected emergency medical condition while participating in, training or practicing for the following sports or activities, if you select the applicable sport or activity at the time of application:  Maximum limit – Up to the Policy limit : Backcountry skiing/snowboarding; Boxing; Downhill freestyle skiing/snowboarding in organized competitions; Downhill mountain biking; Ice climbing; Mixed martial arts; Mountaineering; Rock climbing. Maximum limit – Up to $500,000: 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. Applicable to Insureds 21 years and over only:  When this Optional Coverage is purchased, the company will reimburse you for the reasonable and customary charges for medical and related expenses up to the coverage limits for an acute, sudden and unexpected emergency medical condition while participating in, training 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 at the time of application:  Maximum limit – Up to the Policy limit :   Football (American and Canadian); Ice hockey; Rugby. The charges must result from an emergency that first occurs after coverage commences (including after any applicable waiting period) and while you are travelling outside your country of permanent residence.

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. - Non-Medical Package - Trip Cancellation up to $1,000; Flight Accident $100,000; Trip Interruption - $25,000 and Baggage up to $500. - Trip Cancellation & Interruption or Trip Interruption only - before departure: up to $100,000 and after departure: unlimited - Accidental Death & Dismemberment – up to $100,000 - Rental Car Protection – up to $50,000 for physical damages or loss of a rented vehicle - Baggage - $1,500 per person

ELIGIBILITY: You are eligible for coverage if: 1.    You are a Canadian resident. 2.    You are not travelling against a physician or other registered medical practitioner’s advice. 3.    You have not been diagnosed with a terminal condition. 4.    You are not receiving palliative care or palliative care has not been recommended. - You must be insured under the government health care plan of the province or territory in which you reside. - The length of travel out of your home province does not exceed the number of days selected at the time of application or authorized extension period.

PRE-EXISTING CONDITIONS:

A pre-existing condition must meet the following stability periods in order to by covered by this insurance.

Applicable to Insureds 59 Years and under (on the application date)  

a) On trips 35 days or less, except for any condition or symptom (other than a minor ailment ):

i. That arose or worsened on the date of departure or at any time within the 7 days before the date of departure; or,

ii. For which medical treatment was obtained on the date of departure or at any time within the 7 days before the departure date; or,

iii. That developed before departure and was undiagnosed at the time of departure. b) On trips over 35 days, any condition which has remained stable in the 90 days before the date of departure. If you extend your trip and the total trip length (including the extension) exceeds 35 days, paragraph b) applies.

Applicable to Insureds 60 to 74 Years (on the application date) On all trip lengths, any pre-existing condition which has remained stable in the 180 days before the date of departure.

Applicable to Insureds 75 Years and Over (on the application date) On all trip lengths, any pre-existing condition which has remained stable in the 365 days before the date of departure.  

Travel Within Canada -  There is no stability requirement for pre-existing medical conditions.

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 means 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. An administration fee may be charged in addition to the premium for the additional number of days required. You must meet the following conditions: Applicable to All Coverages 1.     You have not submitted a claim and have no intent to submit a claim. 2.     Your period of coverage has not already expired. 3.     Extensions are not available if total trip length exceeds two years from the effective date of the original Policy. Applicable to Emergency Medical Insurance 1.     You have not seen a physician or other registered medical practitioner since your departure date or the effective date of the policy. 2.      You are not currently experiencing any symptoms and you do not know of any reason to seek medical attention. If these conditions haven’t been met, an extension may be authorized at the discretion of TuGo . If an extension has been authorized, there would be no coverage for subsequent claims related directly or indirectly to the condition(s) or symptom(s) for which a claim has been or will be submitted or for which medical treatment was received or required prior to the effective date of the extension.

AUTOMATIC EXTENSIONS TO COVERAGE At the time the period of coverage ends, your coverage will be automatically extended at no additional premium: Hospitalization: If you, your family travelling with you or your travelling companion are hospitalized as a result of testing positive for and being diagnosed with COVID-19. The automatic extension will be provided to you for the remaining period of the hospitalization, plus up to seven days after hospital release to recover and/or travel home. Delay of Common Carrier: If your common carrier is delayed due to circumstances beyond your control, preventing you from returning to your province/territory of residence. The automatic extension will be provided to you for up to seven days. In the event of a claim, written documentation must be provided to us to substantiate the common carrier delay. Medically Unfit to Travel: If you, your family travelling with you or your travelling companion are unable to travel on the scheduled return date as a result of testing positive for and being diagnosed with COVID-19 that does not require hospitalization. The automatic extension will be provided to you for up to seven days to recover and/or travel home. In the event of a claim, written documentation must be provided to Claims at TuGo by the attending physician to substantiate the inability to travel home as originally scheduled. Quarantine:  If you, your family travelling with you or your travelling companion are unable to travel on your scheduled return date due to being placed under quarantine after a positive COVID-19 test, the automatic extension will be provided to you for up to 14 days. In the event of a claim, written documentation must be provided to us to substantiate the quarantine.

REFUNDS:   Refunds are not available if a claim has been or will be submitted. Refunds after the effective date of the Policy must be requested in writing. Applicable to Multi Trip Annual and Single Trip 1.  When the request for refund is received BEFORE the effective date of the Policy, a full refund is available. 2.  When no travel has taken place and the request for refund is received AFTER the effective date of the Policy:    a) A full refund is available within 10 days of the application date of the Policy; or,    b)  For Single Trip plans, a partial refund less an administration fee is available when the request for refund is received more than 10 days after the application date of the Policy but before the expiry date of the Policy.       c)  For Multi Trip Annual plans, a partial refund less an administration fee is available when the request for refund is received more than 10 days after the application date of the Policy but within the 90 days after the effective date of the Policy. Applicable to Single Trip Only 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 TuGo, whether or not you are in your province/territory of residence; or,   b) From the date of 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 expiry date of the Policy.

CLAIMS: In the event of hospitalization, call Claims at TuGo immediately: From Canada & USA: 1-800-663-0399 From Mexico: 001-800-514-9976 or 01-800-681-8070 Outside N. America & Mexico (global toll-free): 800-663-00399 Worldwide (collect): 604-278-4108 All claims correspondence should be mailed to: Claims at ToGo 1200-6081 No. 3 Road Richmond, BC, V6Y 2B2 For Online Claims Submission visit: www.tugo.com/claims Notice: Claims will not be considered unless the Claim Form is completed in full and signed by the claimant (or legally authorized representative). If requested by Claims at TuGo a Certificate of Canadian Physician must also be completed. Failure to provide fully completed, original forms will invalidate your claim. Any cost incurred to obtain documentation required to confirm eligibility of your claim is the responsibility of the claimant. All documents supporting your claim have to be sent to the insurance company within the 90 days from the date of service.  Claims for medical, dental and trip cancellation & trip interruption can be opened online at tugo.com/claims, although some restrictions apply.   

EXCLUSIONS: In addition to the General Exclusions below, the company 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 complications that develop after departure, related to a pre-existing medical condition that was not stable on or before the date of departure. For stability requirements, refer to the Pre-existing Medical Condition Stability Exclusion. This exclusion does not apply to Travel within Canada plans. 2. Any claim incurred after a physician advised you not to travel. 3. Any claim incurred after any other registered medical practitioner advised you not to travel. 4. A trip that is undertaken after the diagnosis of a terminal condition. 5. A trip that is undertaken while you are receiving palliative care or after palliative care has been recommended. 6. Medical conditions or any related medical conditions for which, on or before departure, diagnostic tests took place, were scheduled to take place or were recommended and for which results had not yet been received at the time of departure. This includes diagnostic tests that were scheduled or recommended on or before departure, but had not yet taken place at the time of departure. 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. 7. Any medical condition related to COVID-19, except as specified in the COVID-19 benefit. This exclusion does not apply to travel within Canada. 8. The cost of any mandated test required for travel. 9. Medical conditions or any related medical conditions for which, on or before departure, tests to follow up on the effectiveness or response to a procedure, surgery or hospitalization were scheduled to take place or were recommended. This includes tests that were scheduled or were recommended on or before departure, but had not yet taken place at the time of departure. 10. Medical conditions or any related medical conditions for which before departure, 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 departure. 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 date of departure. 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 the initial emergency medical condition. 13. 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 milliliters of blood or when records indicate you were intoxicated and no blood alcohol level is specified. 14. Any medical condition for which you are registered on a waiting list in Canada for treatment or diagnosis. 15. Expenses incurred once the emergency ends and in the opinion of the attending physician or other registered medical practitioner, you are able to travel to your province/territory of residence for any further treatment relating to the medical condition that led to the emergency, unless otherwise specified in a benefit. 16. The continued treatment, recurrence or complication of a medical condition or related condition, following emergency treatment during your trip, if TuGo determines that your emergency has ended, unless otherwise specified in a benefit. 17. Any expenses incurred as a result of a disease or illness that originated or was symptomatic during the waiting period. This exclusion does not apply when this Policy is purchased to top-up any other insurance plan. 18. Expenses incurred for emergency air transportation and any expenses incurred after emergency air transportation, when the emergency air transportation was not arranged by us. 19. Any medical condition or related expenses if TuGo determines 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. 20. An official travel advisory issued by the Canadian government stating to “avoid all travel” or “avoid non-essential travel” regarding the country, region or city of your destination, before the effective date of the Policy or the date you travel to that destination (including any stopovers, layovers or any other destinations you are transiting through). To view the travel advisories, visit the Government of Canada Travel site. If an official travel advisory is issued 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 in that specific destination will be limited to a period of 30 days from the date the travel advisory was issued. The company may extend this coverage beyond 30 days if authorized at the company’s discretion. This exclusion does not apply to claims for an emergency or a medical condition unrelated to the travel advisory. 21. Expenses incurred when coverage is purchased after departure, unless TuGo authorized it in advance. 22. 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. 23. A medical condition for which symptoms arose or worsened or for which emergency treatment was received after the date of departure but before the effective date of this Policy, except as specified under the heading Period of Coverage, sub-heading Top-up. 24. 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. 25. Loss, theft or breakage of prosthetic devices or dentures. 26. Your participating, training or practicing for the following sports or activities unless you have paid the applicable surcharge(s) for the Sports & Activities Coverage as shown on your Policy declaration: Backcountry skiing/snowboarding;  Base jumping;  Boxing;  Downhill freestyle skiing/snowboarding in organized competitions;  Downhill mountain biking;  Hang gliding/paragliding;  High risk snowmobiling;  Ice climbing;  Mixed martial arts;  Motorized speed contests;  Mountaineering;  Parachuting/skydiving/tandem skydiving;  Rock climbing;  Scuba diving or free diving over 40 metres;  White water sports – Class VI;  Wingsuit flying. 27. Your participating, training or practicing as part of a registered team, league, Association or club; or while competing in a registered tournament, competition or sporting event for the following sports or activities, if you are 21 years of age and over, unless you have paid the applicable surcharge(s) for the Sports & Activities Coverage as shown on your Policy declaration: Football (American and Canadian);  Ice hockey;  Rugby.

GENERAL EXCLUSIONS:  In addition to the exclusions specified in each Insurance coverage, this Insurance does not provide payment or indemnity for expenses incurred directly or indirectly as a result of: 1. Your participation in and/or voluntary exposure to acts of war or acts of terrorism. 2. 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). 3. Any medical condition that is the result of you not following treatment as prescribed to you, including prescribed or over the counter medication. 4. Consumption or use of illegal or controlled drugs (based on the law where the cause of the claim occurred). 5. Your participating, training or practicing in any areas that have been closed off to public access and/or can typically only be accessed by crossing a fenced, gated or roped-off area that has been marked as off limits according to recommendations of safety authorities in the area for the following activities: Backcountry skiing/snowboarding;  Downhill freestyle skiing/ snowboarding in organized competitions;  High risk snowmobiling;  Ice climbing;  Mountaineering;  Rock climbing. 6. 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 7. A trip made for the purpose of obtaining a diagnosis, treatment, surgery, investigation, palliative care, or any alternative therapy, as well as any directly or indirectly-related complication. 8.   a) Routine pre-natal or post-natal care; 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. 9. Your child born during the trip, except as specified under the Unexpected Birth of a Child benefit. 10. Your voluntary termination of pregnancy or resulting complications. 11. Your suicide or attempt thereat or self-inflicted injury. 12. Your commission or attempted commission of a criminal offence or illegal act based on the law where the cause of the claim occurred. 13. 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. 14. a) Cosmetic surgeries, procedures and/or treatments, and       b) Complications related to cosmetic surgeries. 15. Any medical condition or symptoms for which it is reasonable to believe or expect that treatments will be required during your trip. 16. Unless otherwise stated in this Policy (see General Condition, number 4), expenses incurred if other insurance policies, plans or contracts cover the loss. This includes, but is not limited to, any private or provincial automobile insurance plan or any provincial or territorial government health care 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 and Baggage Insurance.

Applicable to Insureds 60 Years and Over: If you qualify for the coverage selected but you or a representative purchasing insurance on your behalf have failed to answer truthfully and accurately any question asked in the Medical Health Questionnaire, any claim will be subject to an extra deductible of $15,000 USD in addition to any other applicable deductible amount, and no future coverage will be provided under this Policy unless you pay the additional premium reflecting true and accurate answers to those questions.  

FAMILY & FRIENDS RATE AGES 59 YEARS AND UNDER A Family & Friends plan is available with the Emergency Medical Insurance plan. • Coverage is available for up to two individuals 59 years and under and up to six dependent children. The individual(s) named in the Family & Friends plan do not have to be the parent(s) or guardian(s) of the dependent children. • Dependent children can be on a Family & Friends plan without an adult. • If you pay the premium for the Family & Friends plan, all insureds must be named in the Policy declaration and will be covered under one Policy. • All insureds on the Family & Friends plan will remain listed on the Policy until the expiry date of the Policy. • Insureds on the Family & Friends plan do not need to be travelling together.

TuGo Travel Insurance POLICY PDF

TuGo Travel Insurance Medical Questionnaire age 60+ DocuSign (fillable)

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

TuGo supports THiA Bill of Rights.  For more information, go to  www.thiaonline.com/Travel_Insurance_Bill_of_Rights_and_Responsibilities.html

ii. For which medical treatment was obtained on the date of departure or at any time within the 7 days before the date of departure; or,

iii. That developed before departure and was undiagnosed at the time of departure.

b) On trips over 35 days, any condition which has remained stable in the 90 days before the date of departure.

If you extend your trip and the total trip length (including the extension) exceeds 35 days, paragraph b) applies.

Minor ailment means a condition which does not require: a) Treatment for a period of greater than 30 consecutive days; or, b) More than one follow-up visit or referral visit to a physician or other registered medical practitioner; or, c) Hospitalization or surgical intervention.

Applicable to Insureds 60 to 74 Years (on the application date)  

On all trip lengths, any pre-existing condition which has remained stable in the 180 days before the date of departure.

Applicable to Insureds 75 Years and Over (on the application date)  

On all trip lengths, any pre-existing condition which has remained stable in the 365 days before the date of departure.

Travel Within Canada - Pre-existing conditions are not excluded; however, the Emergency Medical Insurance Exclusions and the General Exclusions still apply.  

Pre-existing Condition means:  

a) A dental or medical condition, illness or injury that has been diagnosed, and for which you have consulted, or received dental or medical treatment before the date you leave for your trip; or,

b) A dental or medical condition, illness or injury that has not yet been diagnosed, and for which you were experiencing symptoms before the date you leave for your trip; or,

c) A medically recognized complication or recurrence of a medical or dental condition, illness or injury, whether or not the condition was diagnosed before the date you leave for your trip.

Stable means that within the period specified in this Policy:  

a) There has been no deterioration of your condition as determined by your physician, and

b) There have been no new symptoms or findings or more frequent or severe symptoms or findings, and

c) There have been no symptoms experienced by you related to the condition that remains undiagnosed, and

d) There has been no change in medical treatment, and,

e) There has been no alteration in any medication for the condition, and

f) There has been no new medical treatment prescribed or recommended by a physician or received.

Alteration means 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 due solely to the availability of your usual brand or due to a change from a brand name medication to an equivalent generic brand medication of the same usage or dosage; and

b) The routine adjustment of the dosage within prescribed parameters to ensure correct blood levels are maintained when you are taking insulin or oral diabetes medication or blood thinner medication such as Coumadin/Warfarin and your blood levels must be checked regularly and your condition remains unchanged; and

c) The usage changes due to the combination of several medications into one and your condition remains unchanged.

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See what customers say about Tugo Insurance.

Tugo Insurance offers a personal touch in a travel insurance market populated by larger, less customer-focused companies. Tugo only operates in Canada, giving the company an intimate knowledge of their customer base and making them more able to personalize travel plans to their clients.

Company Overview

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Canadian Residents

Foreign visitors, tugo insurance reviews, tugo insurance company canada, need a travel insurance quote.

Let Mitch Insurance Brokers do the comparison shopping for you – with quotes from over 40 insurance companies in Ontario. Speak with a broker today: 1-800-731-2228

Tugo Insurance, like many insurers that focus on travel, only offers a handful of coverage options, but their plans more than offer comprehensive risk protection if a customer needs it.

Tugo’s insurance plans are best suited for those who travel on personal vacations and trips (as opposed to business) and who need a local company that they can count on when they’re travelling in North America.

Some features Tugo customers have come to expect:

• Personal service from a smaller insurer
• Affordable travel insurance options
• MyTuGo , a user-friendly online platform to make claims and manage policies

From the company’s pride in being the first company in Canada to offer protection for missed flights, to Tugo’s current status as one of Canada’s Best Managed Companies, the team at Tugo works extremely hard to make sure its clients are protected any time they’re traveling, which is a great comfort for Canadians looking for personal service, not just complete protection. As a smaller company, Tugo also has relationships with Ontario brokers on whom they depend to connect customers with great travel insurance policies.

Advantages of Tugo Travel Insurance

Tugo Insurance is considered a top travel insurer in Canada, and that’s no surprise when considering some of the company’s major advantages, not the least of which is the company’s intimate understanding of the community it serves. Because Tugo is a smaller company, it makes a larger effort to offer a personal touch to customers, and there are many customer testimonials to back this up. The company gets great reviews from clients, due in large part to the following advantages:

• The ability to work with a responsible company . Tugo prides itself on being both socially conscious and environmentally responsible, being recognized for donations to various charities in the community as well as taking part in programs that help offset global emissions and protect the environment. As an example, the company prints its physical policies on post-consumer recycled paper.
• MyTugo , an intuitive policy management platform . Just because Tugo Insurance isn’t as large as some of its competitors doesn’t mean it can’t offer the same convenience for users. Policy holders can access their policy, make and resolve claims and buy new coverage, all from a handy widget on Tugo’s site called MyTugo .
• Affordable coverage for almost every customer . Because the company knows their customer base so well, no one is left out from its available policy options. Tugo offers travel coverage for seniors, students, residents and even foreign visitors to Canada. These plans range from the minimum coverage to comprehensive plans, but Tugo offers affordable options for every budget.

Tugo Insurance has clearly made a sizable effort to invest in their community, and this has helped them gain a reputation across Canada as a responsible, friendly provider of reliable solutions in travel insurance.

Tugo Insurance Products

Tugo offers travel coverage for an array of different populations, with different coverage options available tailored to each group.

Tugo covers this broad group, because the company wants to provide health and risk coverage when a client leaves Ontario, Canada or even the continent of North America. When a customer has to leave their provincial insurance at home, Tugo has them covered, offering the following protections:

• Emergency medical
• Trip cancellation and interruption
• Accidental death and dismemberment
• Non-medical package
• All-inclusive holiday packages

Travelers also have the option of adding on:

• Rental car coverage
• Baggage protection
• Coverage for sports related perils

More narrowly, seniors in Ontario have specific needs when traveling that other groups don’t and Tugo ensures that these needs are protected, offering the same protections and optional add-ons, minus the all-inclusive holiday packages.

Tugo Insurance also makes it a point to cover those who are traveling in Canada, or have recently moved and are waiting for their provincial insurance to kick in, with the following protections:

• Trip cancellation or interruption
• A customized set of protections, bundled as “Visitor to Canada”

Visitors can also add on risk protection for:

• Sports injuries

Students studying in Canada or abroad are covered through Tugo Insurance’s convenient plans, providing protection for hospital use and medical insurance, as well as accidental death and dismemberment.

Don’t buy from Tugo horrible service… never answer their emergency phone!!

While in the USA I had a pedal bike accident (slipped on some gravel) and I tried calling the number on our insurance card, no answer. When they did get back to us 4 hours later (while we were entering the dr. office at urgent care) my husband was told this would be our initial visit and nothing else would be covered! Had they answered their phone and talked to us, we would have gone to a hospital where he could have gotten an MRI. He ended up with a torn rotator cuff and is having surgery in Canada. We had to pay for the MRI ourselves, no Physio, nothing. The only thing they paid for was a $19.32 prescription!

Complete ripoff

DO NOT BOOK THIS INSURANCE COMPANY. If I could leave less than one star, I would. Very unimpressed with customer service and not being able to access the BASIC SERVICES included in our rate for flight delays. I even called them “benefits” on the phone and was reminded that they weren’t actually benefits but basic services. Also these “services” are actually operated through a third party so I don’t even know what Tugo does.

Very convoluted, was difficult to contact the customer services agent, had to wait for call backs each time. Only the hospital line is 24hr, we tried to call early in the morning and did not get through, then boarded our 8hr flight so a call back would not have even been possible. The website would not work for us, and even this issue needs to be submitted to the IT department for proof. The agent then had the audacity to try to lecture me about doing things last minute, as though I had any control over flight delays and being able to predict them in advance?

I’m just grateful we only had to argue about the flight delay insurance, and not actually deal with anything serious. The “instant cash deposit” is a farce, we have to submit all emails and proof of delays, including our boarding passes, only to MAYBE get reimbursed in 6-8 weeks. Book literally any other travel insurance company and you will be happier than we are.

They don’t like to pay the bills. The hospital and image centres sued us because TuGo wouldn’t pay. Stay away from this Outfit. Horrible experience.

Tugo loves premiums and the expense of your health

Have an annual travel plan that allows trips up to 60 days at which point you can pay to extend as many times as you like. At one point we had a claim and then they refused to extended it again demanding we return to Alberta to reset the 60 day max. Funny how they take my money -tens of thousands of dollars till till i actually use the insurance then they refuse and expect me to return to a pandemic in Alberta to reset it. Scam of insurance – all they care about is taking your money and could care less about your actual health

Colleen is an employee

Pretty sure Colleen is an employee and has been consistently giving out 5 star reviews both here, anywhere else, and on Google reviews as well. I’m neutral to the company but I’d just like to point that out. In general, seems like reviews are more negative than positive. Just some food for thought….

Stay away from these scammers!

STAY AWAY! If I could give them negative stars I would.

I’m a graduating international student who’s been in Canada for a few years. The insurance plan that is provided through my school is about to expire so I’m shopping for other plans. Tugo said I’m ineligible for their plans because I’ve seen a doctor after I arrived in Canada A FEW YEARS AGO. This is ridiculous and obviously a lie. Based on this, any graduating student who’s ever had the flu is ineligible for their plans.

I would strongly recommend that you stay away from these scammers. I’ve heard that they don’t cover everything the policy says. They’ll twist things to make sure your claim isn’t covered.

don"t bother

Great on the phone until you have a legitimate claim. Not interested in hearing your horror story. Don’t bother with these providers (lack of providers).

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Contact Info

Head Office Mitch Insurance Brokers

1-800-731-2228 (905) 579-9701 [email protected]  

Toronto Mitch Insurance Brokers

1-888-401-4697 (289) 593-0275 [email protected]

Tugo Insurance

Surex represents over 10 of Canada's top insurance companies, and Tugo is one of them. When you start a quote with us, you will be able to review all the matched carriers at once, and you can then select the price and coverage that best suits you.

Tugo Travel Insurance

Whether you're planning on travelling back to your home province or to a remote location, having high-quality travel insurance is incredibly beneficial. If you're looking for travel insurance, you should team up with one of Canada's top-rated travel insurance providers: Tugo.

Tugo has been providing Canadians with reliable travel insurance coverage for nearly 60 years, making them one of the oldest providers in the country. One of the main reasons that travellers opt for Tugo is their 24/7 in-house emergency medical insurance. However, this is just the tip of the iceberg; Tugo offers a wide range of travel insurance coverage products for Canadian travellers.

What separates Tugo from other travel insurance companies in Canada?

Here are a few of the things that separate Tugo from other travel insurance companies in Canada:

The best emergency medical insurance plan for Canadians on the go

After spending countless hours booking, planning and looking forward to your trip, the last thing that you want is to have to deal with an unexpected medical emergency; unfortunately, it does happen.

That's why Tugo offers reliable emergency medical insurance for travellers. Tugo's emergency medical coverage can financially protect policyholders from medical facility and doctors' fees, prescriptions, emergency transportation, emergency medical treatment fees and other medical expenses incurred throughout the process.

So, even though there's a relatively small chance that you'll need immediate medical treatment during your trip, having reliable travel insurance can give you much-needed peace of mind.

Cover yourself with trip cancellation and trip interruption coverage from Tugo

Despite how hard you may try, you can't control every aspect of your trip. There are several things, like natural disasters or the death of a family member, that are simply out of your control. If an unexpected event coincides with a vacation that you've planned or are already on, you may need to cancel the trip or return home before your scheduled return date.

In most cases, your travel expenses would not be reimbursed, and you would have to cut your losses. However, if you have trip cancellation and trip interruption coverage, you don't have to worry about losing money due to an unexpected event.

Non medical package for Canadian travellers

Even if you don't want to purchase emergency medical insurance, you should always consider opting for a non medical package. Tugo's non medical travel insurance plan covers a variety of non medical emergencies and health-related packages that include useful coverages, like lost baggage insurance and insurance for missed flights.

Take advantage of a variety of optional travel insurance coverage plans

Tugo offers a wide range of optional products that you can add to your travel insurance policy. Before you book your next trip or family vacation to your home province, we suggest asking your Surex insurance advisor about the following coverage options from Tugo:

• Rental car coverage

Sports and activities

Lost baggage insurance

"Cancel for any reason" coverage

Visiting Canada? Take advantage of Tugo's travel insurance for visitors

Are you thinking about going for a temporary visit to your home province in Canada? Do you dream of seeing all of the sights and attractions that Canada has in store? Are you waiting for your provincial healthcare plan to come into effect? Then you should consider opting for Tugo's travel insurance for visitors.

The Canadian government highly recommends getting health coverage prior to visiting Canada. Additionally, getting travel insurance before arriving in Canada can give you peace of mind and confidence while you travel. If something unexpected happens, like a medical emergency, you know that your travel insurance will cover the related expenses.

A Canadian travel insurance provider with a proven track record

Tugo has been providing reliable, affordable and comprehensive travel insurance for nearly 60 years. Throughout the past six decades, the team at Tugo has proven their ability to provide policyholders with support when they need it the most.

However, Tugo also strives to make a difference outside of the insurance industry. Tugo is a proud partner of the Easter Seals Canada, a group that works to create an "inclusive' and "accessible" society.

Tugo's employee volunteer program has helped support a number of community-based and non-profit organizations, including:

• Right to Play
• MS Society of Canada
• Salvation Army Canada
• Wings for Kids BC
• YWCA Metro Vancouver
• Belkin House
• Project ABCD'art
• Tim Jardine Hockey Tournament
• World Partnership Walk

About Tugo Travel Insurance

Here's some useful information that you may want to know about Tugo:

Headquarters: Richmond, BC

Company website: https://www.tugo.com

Number of employees: 170

Key people: Kathy Starko, President, and Patrick Robinson, CEO

Areas served: All Canadian provinces and territories. Tugo also provides travel insurance to visitors in Canada

Types of coverages that Tugo offers in Canada

Tugo specializes in high-quality travel insurance products for Canadians and visitors travelling in Canada. However, the term "travel insurance" is rather broad, so it's beneficial to take a moment to learn about the different types of coverage that Tugo has to offer.

Travel insurance coverage for Canadian citizens

If you're a Canadian resident, you can take advantage of the following types of Tugo travel insurance policies:

Emergency medical insurance

Trip cancellation and trip interruption

Trip interruption insurance

Accidental death and dismemberment

All inclusive holiday package

Non medical package

Rental car protection

Travel insurance coverage for visitors in Canada

Whether you're a visitor travelling to your home province or venturing across Canada, you should consider opting for Tugo travel insurance:

Trip cancellation and trip interruption coverage

Trip interruption coverage

*Please note that the "Senior" package does not include the all inclusive holiday package or "Cancel for any reason" coverage. Speak with your Surex insurance advisor to learn more.*

How to submit a Tugo travel insurance claim

Here's a quick step-by-step guide that you can use if you need to submit a claim online with Tugo:

• Create an account
• Fill out the claim form, print it off and send the completed document to [email protected] or by mail
• Prepare receipts and documents related to the claim
• Send your signed documents

You can also submit your claim by phone or email by taking the following steps:

• Email or call the Tugo claims team
• Fill out the claim form
• Provide related documents and receipts
• Send your signed documents to [email protected] or mail them to 1200-6081 No.3 Road, Richmond, BC V6Y 2B2

Want to learn more about Tugo Insurance?

If you'd like to learn more about how Tugo helps customers or any of our reputable partners, don't hesitate to contact one of our Surex advisors (our preferred term for broker). Our experienced advisors are always ready to address your questions, comments and concerns about insurance protection.

At Surex, we understand how important variety is — that's why we work with over ten of the top providers in the nation. Comparing quotes from a wide range of insurers makes it easier for Canadians like yourself to find the perfect protection for you and your family.

Call or visit our website to receive a collection of quality quotes from our insurance advisors in ten minutes or less! 

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