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Is TuGo Travel Insurance right for you? Review 2023

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

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

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

TuGo travel insurance: 5 Key Takeaways

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

Our review of TuGo travel insurance Canada

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

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

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

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

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

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

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

Types of TuGo travel insurance

Tugo travel insurance for seniors.

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

TuGo student travel insurance

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

TuGo travel insurance for Canadian citizens

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

TuGo travel insurance for visitors

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

TuGo travel insurance coverage: What does it cover?

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

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

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

TuGo medical questionnaire for travellers over 60

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

What is TuGo MyFlyt Service?

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

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

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

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

Compare the best travel insurance plans on the market!

What is not covered by TuGo travel insurance?

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

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

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

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

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

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

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

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

How much does TuGo travel insurance cost?

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

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

How to file a claim with TuGo travel insurance?

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

Making emergency medical claims

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

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

Making trip cancellation/interruption claims

Keep the following documents handy for submission:

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

Making baggage insurance claims

Get the following documents ready for submission:

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

How to contact TuGo travel insurance?

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

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

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


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Alexandre Desoutter

Alexandre Desoutter has been working as editor-in-chief and head of press relations at HelloSafe since June 2020. A graduate of Sciences Po Grenoble, he worked as a journalist for several years in French media, and continues to collaborate as a as a contributor to several publications.

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Partners' faqs.

Travel insurance lets your customers travel with confidence, knowing they’re protected against medical emergencies, delays, theft and last-minute plan changes.

Trip Cancellation & Trip Interruption Insurance protects your customers if their travel plans are cancelled before they leave, or their trip has been disrupted once it’s begun. It’s available as part of a package or on its own. Baggage Insurance protects your customers from spending more on their trips than they’d planned. It pays for the loss, damage, destruction or theft of personal items. While not pleasant to think about, Accidental Death and Dismemberment Insurance provides payment in the event of death or dismemberment while travelling by air, sea or land. It also covers death and dismemberment as a result of all other types of accidents. Rental Car Protection covers your customers’ rented or leased vehicle against damage.

Yes! Although some credit cards do provide basic travel insurance, your customers will need to read the fine print to find out exactly what's covered. Many credit cards have low coverage limits. Also, the coverage may apply for a limited time period, or be available only to a certain age group. Credit card coverage often only applies if the trip is paid for with your customers’ credit card.

Your customers can buy coverage before leaving on their trip. They can choose from a Multi Trip Annual Emergency Medical Insurance plan, Single Trip Emergency Medical Insurance plan or an All-Inclusive Holiday Package to cover their entire trip. This will include the day they leave and the day they return. If they’re visiting Canada, your customers can buy our medical coverage or holiday package insurance at any time.

Yes, but some exclusions may apply, depending on your customer’s health. You can refer to the rate card or the insurance plan’s official policy wording for further details.

Should you buy travel insurance for holiday travel?

  • Published: Nov. 05, 2023, 11:50 a.m.
  • NerdWallet | special to cleveland.com

Holiday travel can be taxing even without the added stress of disruptions such as cancellations, flight delays or lost bags.

Last winter, Southwest Airlines’ holiday travel meltdown left millions of travelers stranded and angry. Travelers were still filing for compensation for ruined trips weeks later. Consumer complaints against U.S. airlines to the Department of Transportation in February 2023 increased sixfold compared with February 2019, forcing the agency to temporarily stop reporting more data as it processes complaints.

Despite the chaos, holiday travel shows no signs of slowing down this year. About 50% of Americans plan to pay for flights or hotel stays this holiday season, according to a NerdWallet survey conducted by The Harris Poll in September among over 2,000 U.S. adults. They will be referred to as “2023 holiday travelers” going forward.

More than a third of 2023 holiday travelers (35%) say they will keep their usual holiday travel plans this year, regardless of expense. And given the rising cost of gas , a quarter (25%) of those traveling say they’re flying rather than driving.

If you’re determined to get your dose of festive cheer, you may wonder if it’s worth paying extra for travel insurance this year. The survey found that 21% of 2023 holiday travelers plan on buying or have already bought travel insurance for their holiday trips, up from 16% last year.

Is flying truly worse?

The post-pandemic travel surge is real. But has the flying experience honestly gotten worse? Let’s take a look at the numbers.

The Department of Transportation releases reports on the performance of the 10 largest airlines and their marketing carriers. An analysis of data through June 2023 (which, it should be noted, doesn’t capture the complete picture of summer travel) by the U.S. PIRG Education Fund found:

  • The number of airline passengers for the first half of 2023 increased by 11%, to 419.2 million, compared with 2022. That’s almost back to 2019 pre-pandemic levels (419.7 million).
  • On-time performance for flights in June fell to 71.3%, worse than a year ago. The on-time rate for the first half of 2023, at 76.5%, was slightly better than in 2022, but worse than in 2019.
  • Flights are fuller this year than they were before the pandemic. More than 419 million passengers traveled in both the first half of 2023 and the first half of 2019. There were, however, fewer flights operated in 2023 — nearly 3.5 million compared with nearly 3.9 million in 2019 — meaning the same number of travelers had fewer flight options.
  • The flight cancellation rate in June fell to 2.1%, better than a year ago. The cancellation rate for the first half of 2023, at 1.6%, was half of what it was in 2022 and better than in 2019.

So, while travel returns to pre-pandemic levels, travelers have fewer flight options. Given those gloomy statistics, travel insurance is at least worth considering this year.

Insurance aside, one way to lower the risk of disrupted travel is by adjusting when or how you fly. Nearly 2 in 5 2023 holiday travelers (35%) in the NerdWallet survey plan to avoid busy travel days by extending the duration of their holiday trips.

» Learn more: The busiest days to fly during the winter holidays

What type of travel insurance should you get?

The type of insurance you should buy depends on a few factors, including:

  • Whether your trip is nonrefundable.
  • Where you’re going.
  • If your credit card has built-in protection.
  • What your health coverage is at the destination.

Let’s assume you’re traveling domestically and already have health insurance coverage. Depending on your age and health, you may not have to pay extra for medical coverage. Note that only some travel insurance policies cover pre-existing conditions .

Some travel credit cards offer basic trip cancellation or interruption, baggage delay coverage and rental car coverage up to a certain dollar amount. If you think the options your credit card provides are good enough, you won’t need additional coverage.

If you don’t have a credit card with built-in protection or the limits aren’t high enough for you, look into buying a stand-alone travel insurance policy.

You can opt for the trip insurance your airline offers, buy it directly from an insurance provider or get it via an online travel agency such as Expedia . You can also compare quotes from travel insurance marketplaces you can find online. The cost of your policy will depend on the details of your trip.

Flying home for the holidays may not get any better this year, but having travel insurance could give you some comfort during your trip.

More From NerdWallet

  • The Frequent Traveler Benefit People Want More Than Perks
  • More Travelers Are Using Buy Now, Pay Later for Holiday Trips
  • 6 Ideas for a Wonka Dream Vacation This Winter

Amrita Jayakumar writes for NerdWallet. Email: [email protected] . Twitter: @ajbombay.

The article Should You Buy Travel Insurance for Holiday Travel? originally appeared on NerdWallet.

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COVID-19: Visit FAQs for coverage, voucher or refund details.

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TuGo Launches COVID-19 Travel Insurance for Canadians

( Richmond, BC , Oct 28, 2020) - TuGo, one of Canada’s top travel insurance providers, has launched COVID-19 Insurance for Canadians planning to fly abroad during the pandemic.

TuGo’s newest insurance product covers COVID-19 emergency medical care and quarantine expenses up to $500,000, if the traveller tests positive for and is diagnosed with COVID-19 while on their trip. It also offers a Trip Interruption benefit if the Government of Canada’s current Level 3 “avoid non-essential travel” advisory changes to a Level 4 “avoid all travel”, during the trip and the traveller chooses to come home early.

“While we recommend following the Government of Canada’s Level 3 travel advisory, TuGo also recognizes that family, business or other reasons may require some Canadians to travel abroad during the pandemic,” states Brad Dance, TuGo’s Chief Customer Officer and the Travel Health Insurance Association’s Past President. “For those planning to travel, they should take time to research the various COVID-19 insurance options that have come to market in recent weeks, to ensure they best fit their needs.”

TuGo® Travel Insurance is available for Canadians, visitors to Canada and international students, through its national network of insurance partners. For more information, visit tugo.com .

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