TuGo Insurance Review

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About TuGo Travel Insurance

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

Company NameNorth American Travel Agents Ltd.
Head Office Address 1200-6081 No. 3 Rd, Richmond, BC, Canada, V6Y 2B2
Website https://www.tugo.com/
In Business Since 1964
A.M. Best Rating -
Financial Assets-
Terms and Conditionshttps://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

TuGo’s Trip Cancellation & Trip Interruption Insurance

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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