TuGo Insurance is a trusted Canadian travel medical insurance company that has come a long way since its inception in 1964. What started off as a small basement business, now spans to areas servicing all of Canada, and is available in 27 languages.
TuGo focuses on travel insurance and has a comprehensive list of extended insurance for every globetrotter, facing every type of circumstance. TuGo Insurance offers individual, group, or business travel medical insurance and coverage for things like cancellations, interruptions, lost baggage and non-medical travel insurance. All of the plans offered by TuGo are customizable.
The customer service team is available to assist you 24/7. TuGo emphasizes their customer service skills, and it reflects in their accolade of awards, including a platinum award for Canada’s Best Managed Businesses.
Tugo Key Information
NAME
DETAILS
Company Name
North American Travel Agents Ltd.
Head Office Address
1200-6081 No. 3 Rd, Richmond, BC, Canada, V6Y 2B2
Contacts
1-604-278-4108
Email
info@tugo.com
Website
https://www.tugo.com/
In Business Since
1964
A.M. Best Rating
-
Financial Assets
-
Terms and Conditions
https://www.tugo.com/en/terms/
How Do I Purchase a Plan with TuGo?
You can do so by following this link to get started with a quote directly on the main page. Alternatively, you can chat with a specialist online to help you make your purchase.
How Can I Reach TuGo by Telephone?
To reach Tugo by phone, call them at 1-855-929-8846.
How Do I File a Claim with TuGo?
Claims with Tugo can be made online here, or over the phone by calling 1-800-663-0399 if you are in Canada or the US.
TuGo Insurance Pros and Cons
While TuGo’s travel insurance policies provide peace of mind to the traveller, some may find certain limitations and exclusions with their plans. Here are some reasons why TuGo may or may not be right for you.
Why TuGo Insurance Could Be Right for You?
Purchasing a plan online is convenient and easy
May be able to provide insurance for pre-existing conditions
Customizable plans
Can provide reimbursement for non-refundable trip expenses
Why TuGo Insurance May Not Be Right for You?
May be pricey
Claims process is complicated
May have deductibles or copayments that need to be paid by the policyholder
May require documentation and proof of loss or damage
What Does TuGo Insurance Cover?
TuGo’s travel insurance policies cover various aspects of travel from baggage loss or theft, medical emergencies, trip cancellations and other unforeseen circumstances. TuGo always strives to provide peace of mind to Canadian travellers. TuGo offers comprehensive travel policies for students, seniors, frequent travellers and even for those with pre-existing conditions.
TuGo Travel Insurance Plans
TuGo offers three different travel insurance options that are available for you to select from: TuGo Emergency Medical Travel Insurance, TuGo's All-Inclusive Holiday Package, and TuGo's Multi-Trip Travel Insurance.
TuGo Emergency Medical Travel Insurance
TuGo is there to give you assurance that you need while travelling. Should you require a hospital stay, or emergency medical treatment while you are on vacation, the Emergency Medical Travel Insurance from TuGo has you covered. This includes coverage for Covid-19, ambulance, emergency dental services, prescription drugs, air travel delay, unexpected birth of a child, and more. You are able to top-up this plan with more features such as baggage and car rental insurance.
TuGo's All-Inclusive Holiday Package
TuGo offers a little more coverage for your vacation trip so that you can do what you want, as you please, without that ‘what if’. This is a well-rounded package that includes coverage that can be used worldwide for accidental death and dismemberment, lost baggage, trip cancellations, trip interruption and baggage insurance. This plan is customizable, and you’re able to top-up with added other features.
TuGo's Multi-Trip Travel Insurance
TuGo is good for up to a year from the effective date of the policy, and it is effective on more than one vacation that you plan on taking, anywhere around the globe. The Multi-Trip Travel Insurance covers you for emergency medical insurance, lost baggage, cancellations, accidental death and dismemberment, and emergency evacuation. As with all travel insurance offered by TuGo, this plan is customizable.
TuGo’s Non-Medical Package
TuGo has the perfect solution for Canadian residents who already possess emergency medical coverage through another plan but desire non-medical travel insurance. TuGo’s Non-Medical Package, available as a Single Trip plan, offers precisely the coverage you need. Here's what the package includes:
Trip Cancellation & Trip Interruption Insurance
Coverage for unforeseeable events, such as natural disasters, making your home or business uninhabitable, travel advisories, and more
Coverage for death or dismemberment
Injuries while traveling as a fare-paying passenger on an airplane, helicopter, or common carrier (bus, train, or boat)
24-Hour Accident insurance
Compensation for lost, damaged, destroyed, or stolen baggage and personal belongings worldwide, whether on water, land, or in the air
If you find yourself needing to cancel your trip prior to the planned departure or if your vacation gets disrupted while you're already away, Trip Cancellation & Trip Insurance steps in to reimburse for prepaid, non-refundable travel arrangements that cannot be recuperated from alternative sources. With covered scenarios encompassing COVID-19-related medical conditions, quarantines, pregnancy, job loss, or familial bereavement, this coverage safeguards the financial investment you've allocated for your trip. Here's how Trip Cancellation & Trip Interruption Insurance extends its protection:
Unforeseen illness, injury, and/or death of:
You and your family members
Your travel companion and their family members
Your business partner, employer, key employee, or caregiver
Your host at the travel destination
Your friend
TuGo’s Trip Cancellation and Trip Interruption Insurance also covers:
Trip delays
Pregnancy
Denial of travel visa
Natural disaster deeming your home uninhabitable
Cancelled flight, train, trip or tour
Change in schedule
Travel advisory
Immediate requirement to quarantine
COVID-19 medical condition
TuGo’s Trip Interruption Insurance
TuGo’s stand-alone trip interruption insurance is an affordable option to cover the costs of unexpected travel interruptions that may arise during your travels. Included in this package is coverage for:
Reimbursement for unused prepaid airfare and travel expenses
Coverage for non-refundable prepaid tours if the tour is cancelled
Provided one-way economy airfare back to the departure point
Option for an airline seat upgrade, when medically necessary
One-way economy airfare to catch up with your next destination
Accommodation expenses if your travel companion's trip is interrupted
TuGo’s Sports and Activities Travel Coverage
Activities like hiking, ziplining, bungee jumping, or even parasailing over water are covered under TuGo’s standard Emergency Medical Insurance or Visitors to Canada Emergency Medical Insurance. For those who are extra adventurous, TuGo offers additional coverage for the following activities:
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
Organized team sports* including:
American and Canadian football
Ice hockey
Rugby
Parachuting/skydiving/tandem skydiving
Rock climbing (includes canyoneering, excludes indoor rock climbing)
Scuba diving or free diving over 40 metres
White water sports – Class VI
Wingsuit flying
*Please note that this coverage option is not required for those under 20 years old
TuGo’s Student Insurance
TuGo’s student insurance allows those studying to embrace full-time or part-time studies without concerns about well-being. Vital benefits for medical and dental care await, alongside other crucial advantages that extend beyond emergency medical situations. What's more, if you have family members residing with you during your studies, they can also benefit from comprehensive coverage! Coverage by TuGo for students provides:
Comprehensive emergency medical care, including COVID-19 treatment
Coverage for pre-existing medical conditions*
Inclusive mental health emergency coverage
Accessibility to ground, air, or sea ambulance services
Provision for private duty nursing
Maternity-related coverage
Assistance with fracture treatment
Emergency dental services
Support for prescription medications
5 follow-up visits within 14 days of the initial emergency treatment
Yearly doctor's check-up
Annual eye examination
Coverage for prescription glasses, contact lenses, and hearing aids
Tutorial services offered during hospitalization of 30 consecutive days or more
Accidental Death & Dismemberment Insurance
TuGo Telemedicine service
*Conditions must meet a 90-day stability period before the policy's effective date
TuGo’s Accidental Death and Dismemberment (AD&D) Insurance Add-On
Accidental Death & Dismemberment Insurance provides an extra layer of financial security should an accident lead to death or dismemberment. In the unfortunate event of death, a lump sum payout is directed to your beneficiary or estate. The AD&D policy provides the following:
Coverage while riding as a fare-paying passenger on airplanes, helicopters, or common carriers (buses, trains, or boats):
Protection against accidents resulting from situations not mentioned above
TuGo’s Cancel for Any Reason Travel Insurance Policy Add-On
TuGo’s cancel for any reason travel insurance policy exists as an add-on to Trip Cancellation & Trip Interruption Insurance, and is tailored for travellers seeking greater flexibility. To take advantage, the add-on must be purchased within 5 days of booking your trip and making the initial payment (or before travel supplier cancellation penalties come into effect). With this coverage, you gain the ability to:
Cancel for any reason not already covered by the policy
Receive reimbursement of up to 50% of prepaid, unused, non-refundable travel expenses, provided you cancel 5 or more days before the departure date
TuGo’s Baggage Insurance Travel Policy Add-On
Offered as an optional add-on to either a Single Trip plan or a package, Baggage Insurance is designed for Canadian residents venturing beyond their home provinces and for visitors to Canada. The baggage insurance travel add-on covers the following:
Reimbursement for lost, damaged, destroyed, or stolen baggage and personal belongings, regardless of your location—be it on water, land, or in the air.
Protection against theft or robbery leading to stolen currency.
Coverage for essential personal items in case of baggage delay.
TuGo’s Rental Car Protection Travel Insurance Add-On
Provided as an optional add-on to a Single Trip plan or a package, rental car coverage is tailored for both Canadian residents and visitors exploring Canada. Ensure the safety of your rented vehicle, whether you're journeying to another province or abroad. This rental car add-on provides the following:
Coverage for physical damage to a leased or rented automobile.
Protection against the loss of a leased or rented automobile.
Reimbursement for towing, salvage, fire department charges, custom duties, and reasonable loss of use.
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So quick and efficient. Sourabh was very accommodating and helpful to what I needed for health insurance. They were able to call me back without having to have waited 1-2 business days. Love it!
Kenneth Schock
To ensure continued confidence that our long term health needs will be maintained.
Angie Mena
Christine helped me over the phone and was amazing and respectful
Steve Kriston
It was convenient and easy. Chris couldn’t have treated us better if he’d been sitting right beside us. Great experience!
Karen Roberts
The application process was easy and they were able to get me a great rate! The customer service was excellent!
Laura Christina
Very quick and formative.
Robert McLean
He was so nice to me told so much about it thanks so much
Charlaine Banfield
Gautam was very helpful in making my decision about which insurance to purchase. I would recommend this insurance company
Adam Diamond
George was helpful quick and knowledgeable with helping me find something suitable and that worked best at that. I definitely recommend Insurdinary for all of your insurance needs. Thanks George!
Holly Hanna
Very polite and courteous! Def a thumbs up ☺️
Kathy Jackson
Make it possible to contact a CSR who doesn't transfer me around 7 times before telling me they can't find their own policy issued to a customer - a policy number taken from their own letterhead!! I will tell everyone I know, in every way, to avoid your company at all costs. If I have to, I will contact CBC W5 or Marketplace. Manulife, you have messed with the wrong estate executor!!
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We had an excellent experience with Insurdinary. We strongly recommend them for insurance. Very pleasant to speak with. Fast and easy. We will be telling our family and friends all about it. Give them a call.
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The easiest way to find an insurance plan that works for you!
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Widya Febrina
Thank you so much George for your help , you so quick to respond me back and help me lots everything done so quickly. The best services ever. I will recommend to all my friends . Thank you so much I do really appreciated it..
Eric was great to deal with. No pressure at all. He went through any questions I had and answered honestly...again NO pressure to get any policy and when I chose one he went through the questions and we sealed a policy that fit my needs.Thanks Eric!
Janice Sayer
Dornaz got back to me quickly with quotes, she was wonderful to speak with and found me the best price for my insurance
Edward McLain
Getting ins is no issue..if we need to use it..its unknown how you help us in support.Telephone call was very good.Thankyou for great satisfaction
Nicolas Ros
I AM VERY HAPPY WITH SHIWANI SERVICE. ATTEMPTIVE, PROMPT AND EFFECTIVE. THANK. SEE YOU AGAIN SOON.
James Milburn
Dornaz was very helpful and polite.
Mark Kunwar
friendly and helpful
Cora Peters
marie Hrynuik
Fay Greenholtz
Eric Clementi was very helpful
Bernard Madden
Both R'ceino Ewing and Dornaz were very informative, served me efficiently and responded to my needs in a timely basis. I now can travel without worry. I thank you both.. Bernard Madden
Tracey-Anne Lee
I highly recommend this insurance company. Artmiz was my agent. She was polite, informative, patient, efficient and made me feel like family. Their prices are better than other travel insurance and have great coverage. This is who I will be with for my future vacations and will definitely recommend to friends and family. Thank you Artmiz for making this transaction smooth. Much appreciated.
Glenn Gowriluk
Artmiz provided us with thorough and friendly service and advice in purchasing travel insurance. 5 stars!!
Artmiz was very efficient and professional. She followed up and ensured we got the best rate and package for our travel needs
Linda Beatson
It was a very convenient process. The agent was very helpful and I was able to get the coverage I require.
Joanne Hebb
Dylan and Eric were very helpful on my search for travel insurance. They were very friendly as well. I was glad to use them for info.
Clifford, Deborah
We spent considerable time with Dylan on the phone on several occasions and his patience and explanation of the policy was second to none. He is knowledgeable and thorough and extremely well spoken and mannered. We were then passed on to Eric and the response was the same. This company has our travel insurance business forever. Thank you Dylan & Eric.Clifford & Deborah Horsfall
Bernadette Wyllie
Service was excellent with Eric
Janice Bethune
Elaine Morelli
Traci Albert
Agents were helpful and personable
Kara Walker
Eric was quite helpful in suggesting insurance coverage best suited to my needs and quickly took care of getting me all signed up once I made the decision to move forward
mac mchenry
Kent Carstairs
Armando Perez
Easy to work new insurance when your agent Felipe Portes is effective, know his product and try to find the best product for your needs. Looking for insurance is jungle of options, so nice to have someone to direct you. An no stress experience.
Shirley Hartling
Agents were very courteous, helpful, and processed the purchase of my policy in excellent time. The cost of the policy was very competitive. I would use Allianz again with no quandaries.
Ken Zwicker
Russell Anderson
Michele Hicks
very easy and polite to deal with
Gail Levangie
While the customer service agents were great and very helpful - Maria and Eric -Trying to get access to the documents was extremely frustrating. Entered the password at least 6 times all rejected. Want info before I leave.. don’t want to deal with this in the event of an emergency
Morris MacKay
I was treated with the upmost respect and kindness by Dornaz. Very professional.Thank you so much
Marlene
Very good and thorough serviceThank you
Gary Oliver
The lady (Christine) who we spoke to about the health/dental insurance was very helpful and friendly. She was very knowledgeable. She was very pleasant and made the whole conversation easy. She was very easy to understand. Thanks
Robin
Great service! Friendly & fast service! Dornaz made sure I had the best price
Joseph Szucsik
Kim Marcotte
Christine was very professional and answered all my questions. I felt very much at ease and feel l made the right choice goingvwith Manulife Insurance.Thank you Christine
PAT BEAUDOIN
I called for a quote on getting travel insurance for my upcoming trip to the US, Dornaz from Alliance Income was such a pleasure to deal with! She was thorough and got me a great deal, I will definitely recommend her and the company to others.
Rossana McTavish
Great service. Quick and efficient quote and very well priced. Sehar B. was excellent to deal with.Allianz was the first to send out the quote from a list of companies I contacted.
Ray Irwin
Knowledgeable, fast and courteous
Roger Patton
Filipe P. was my Allianz Rep. on this Emergency Medical trip insurance transaction. I had a great experience booking this insurance through Felipe. He was very courteous, efficient and helpful and provided me with all the information I needed to complete the transaction. Thank you Filipe for being a very good representative for your Company.
Josh Dew
We dealt with Dornaz for our travel insurance for our family of 5. She got us amazing insurance. At a great price. A piece of mind for my wife and I to take the kiddos on a 3 week vacation! Thank you Dornaz we very much appreciated all your help!!
Don Lajeunesse
Azaria was very helpful as she explained every step in a way I could understand. Eric was equally as knowledgeable and helpful. Thanks again Azaria and Eric.
Debbie McNeil
It was quick and painless. The girl that took care of me was well spoken and knowledgeable. I would definitely deal with this company again.
Bhaskar Reddy
Excellent
Jamin Mast
Eric was very respectful and made it very clear and simple. I would highly recommend.
Alaa Mahgoub
Excellent representative
Van Hai Nguyen
Fast
Mala Sahai
Friendly prompt service
Mona Lee Currie
Twice today, I interacted with Daniel, insurance agent extraordinaire. He found insurance for my husband, who has a few health problems. We also discussed various ways of making the policy more cost effective. I feel very comfortable discussing various ins and outs of my policy. He always let's me know all the things I need to know so that I don't run onto trouble of any kind. Our insurance this time is with Allianz.