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, 7 days a week. 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’s 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.

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