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I highly recommend TuGo for Travel Insurance

I broke my shoulder on the first day of a non-refundable prepaid ski vacation during the recent Christmas holidays. TuGo's claim process was straight forward and TuGo settled my claim promptly, even paying a bit more than I had requested. This experience was identical to a claim my wife made about 10 years ago following a knee injury two days before we were to leave on a prepaid ski trip to Japan. Tugo processed that claim flawlessly as well. We will happily use TuGo to insure future travel and can recommend their services without reservation.

Date of experience : December 24, 2023

Reply from TuGo

Hi Rick, Thank you for kind words and the 5-star review! We appreciate your loyalty in believing in us over the years in keeping you safe.

Simple and straightforward claims process

Hotels were booked for a short stay on Skiathos island, Greece. The island was hit with a major storm a week before our arrival date. The flooding closed the airport for a week so we had no way of getting to the island to use the hotel. Documents and detailed explanation of the issue were submitted along with details from the web as to the storm itself. Settlement arrived a few weeks after submitting the claim documents.

Date of experience : September 12, 2023

I had a great experience with TuGo from…

I had a great experience with TuGo from start to finish. I found it easy to apply initially. I paid for my trip in increments so I was able to add to my policy as I made payments. Unfortunately, my trip was cancelled due to the crisis in Israel. As I didn't purchase cancel anytime, I had to wait until the specified timeframe before making a claim. My claim fully reimbursed my trip! Any questions I had throughout the process were answered within a reasonable time frame.

Date of experience : November 20, 2023

Tu Go are very easy to reach, helpful staff and expedient end results!

Tu Go are very easy to reach, helpful staff and expedient end results! My husband had health issues when traveling to KL. We reached out to Tu Go and never waited on hold more then 2 to 3 minutes! Staff were always pleasant, helpful and appeared to be concerned. We couldn’t have managed to get my husband back safely and comfortably to Canada without their help. We will be forever grateful! I will never travel again without getting extra insurance from Tu Go. It will give me peace of mind. I have already recommended to friends and family. Don’t bother looking elsewhere honestly!

Date of experience : May 03, 2023

Emergency surgery at Eisenhower Hospital in Rancho Mirage

We are Canadian snowbirds who winter in Palm Springs CA. In March 2020 my wife had to undergo emergency surgery at Eisenhower Hospital in Rancho Mirage, spent three days in intensive care and was flow home by air ambulance. TUGO cover all our expenses. We were very happy with their service and highly recommend them for travel health insurance. Gary & Lorna, Winnipeg, MB.

Date of experience : April 20, 2021

An Insurance Broker's Favourite!

I cannot recommend TuGo enough from the perspective of a broker! The coverages that TuGo offers are far superior than their competitors and often TuGo's premiums are a lot less as well! The team at TuGo, especially Kristina are incredibly helpful, kind, and knowledgeable. They have gotten me out of a few tricky situations and provide prompt and courteous service for me and my clients. A huge thank you to Kristina for the help multiple times now.

Date of experience : February 07, 2024

TUGO - Trip Interruption/Cancellation

Reached out to the toll-free number to submit a claim as one of the flights for my trip to Vietnam had been impacted. Got quickly transferred to a representative who kind, well informed and incredibly helpful in processing. Completed the paperwork the day I recieved it and was able to get payment prior to departure. This was greatly appreciated as it ensured the trip could go-on. Will forever use TUGO as my provider. Thanks again.

Date of experience : October 10, 2023

Hi Hayls, Thanks for the 5-star review and we're glad to hear that we helped when you needed us.

Waste of money through COVID

Terrible customer service! My husband and I have purchased an Annual Travel Insurance Plan from Tugo for years. Like everyone else, although we were unable to travel due to COVID this past 15 months, we received no credit or refund other than the three month extension that was offered while travel was still banned. Totally useless offer. Time to look elsewhere…..

Date of experience : June 05, 2021

Hi Al Dodds, Sorry to hear you weren't happy with your experience. I looked into this and found that due to travelling on your Multi Trip Annual policy, you weren't eligible for a refund. Refunds aren’t available if the policy has already gone into effect. Details are also published on our FAQs page: https://www.tugo.com/en/travel-insurance/faq/ While that may not be the answer you were hoping for, we do hope that sheds some light on the situation. All the best, TuGo

We had an excellent response from TuGo…

We had an excellent response from TuGo when my husband was badly burned in Florida in April, 2023. I received a claim number immediately and all our emergency care at two hospitals and prescriptions were fully covered. The TuGo staff were efficient and very kind during this extremely stressful event. We will most certainly stay with them for Insurance Coverage.

Date of experience : April 04, 2023

Very fast reimbursement

After we compiled all information tugo needed for the claim, payout was within a few short weeks. Very easy process and fast reimbursement. Thank you Tugo you give us the security and piece of mind we need while travelling with kids abroad.

Date of experience : November 15, 2023

Propmt and efficient service by TUGO made a missed cruise at Christmas more bearable!

Due to weather and airline staff constraints, we were unable to get out of Saskatoon to FLL for a family cruise. We contacted TUGO within a couple of hours of travel interruption. They immediately set up a claim file and gave us a claim number. The forms were surprisingly easy to fill out and we submitted documents both by email and hard copy. TUGO was very responsive to both email and phone inquiries.We were very pleased to have our claim paid in full 3 weeks after our trip was canceled. We know and trust TUGO for our travel insurance needs.

Date of experience : December 22, 2022

Hi D Bryan, thanks for the review and for trusting us for your travel insurance needs!

BUYER BEWARE

We had to postpone our trip because we got COVID. We had purchased trip interruption/cancellation insurance from TUGO when cancellation due to COVID was still covered under the policy. After we had COVID, we were unable to get travel medical insurance for 30 days post COVID so had to postpone our trip to the US. TUGO refused to cover our claim (cost of several nights prepaid non refundable accommodation). Update June 16/22. I got in touch with TUGO as per their response to this review. As expected, nothing has changed. Claim denied.

Date of experience : June 15, 2022

Hi HF, Sorry to hear you weren't happy with your experience. I looked into this and it was referred to a Claims Dispute Panel for a detailed review. However, their review found that the expenses were denied correctly, since delayed departure due to insurance requirements isn't a Covered Risk of your policy. While that may not be the answer you were hoping for, we do hope that sheds some light on the situation. All the best, TuGo

Excellent Service in Oahu by TuGo.

I ended up in the hospital in Oahu, Hawaii. The attending physician was not certain the recommended procedure would solve the health issue so we did not contact the insurance provider prior to the operation. The entire treatment was completed & the hospital sent the billing to TUGO, which was paid directly by the insurance company within 2-3 weeks. Amazing service by TuGo & I recommend many of my friends to use TuGo first & foremost. Very highly recommend them.

Date of experience : January 02, 2024

Hi Tony, Thank you for the kind review! Best, TuGo

Mom and dad Tugo experience

I invited my mom and dad to visit me in Canada and as elderly tourists, they were worried about their coverages and expenses,but Tugo proved them wrong! They can rest assured next time they visit me.

Date of experience : February 01, 2024

Hi Parvin, Thank you for the kind review! We're happy to hear we were able to ease mom and dad's worries when visiting. Best, TuGo

Palm Springs

Driving into Palm Springs I started feeling chest pain. It got progressively worse so we called our insurance provider ToGo for advice. The representative was very specific, and knowledgeable. We went into the hospital to get medical attention. ToGo took care of all expenses incurred for the three day hospital stay. They kept in touch. Made us feel secure. Couldn’t ask for better service. Thank you ToGo!! Highly recommended!!

Date of experience : February 22, 2022

Tripped on a trip to Germany

I was in Germany on business and tripped and broke both shoulders. I ended up spending nearly 2 weeks in hospital (where I got excellent care). I informed TuGo of the incident and submitted the receipts upon my return home. Within 30 days I received a full refund of all of my expenses. There were a couple of minor questions but absolutely no issue. I would highly recommend their services.

Date of experience : June 01, 2022

Tugo responded quickly

Tugo responded quickly when I had a claim and kept me well informed as it was processed by the medical clinic I visited while on holiday in the United States. I really like that I can purchase or renew my policy either online or with an agent who lives in my city. I’ve done both with excellent results. Tugo also has the lowest rates I’ve been able to find.

Date of experience : January 18, 2023

Excellent service

I was insured with TuGo when I developed a health issue. I was planning on travelling, I notified them of the recent issue. They told me I was still insured with that exception because it was too recent. I took my trip to Europe and ended up in a hospital emergency department. I had bronchitis. On my return I filed my claim. I was concerned because I had not contacted TuGo before I went to the hospital and also thought they might try and tie it in my my recently diagnosed condition ( which I understand many companies do). They fully reimbursed me in a matter of weeks. I had read many glowing reviews about them online. I will add my praise to those.

Date of experience : September 18, 2023

TuGo is a great help in emergency situation

We are so glad and grateful to find a travel insurance with age unlimited coverage for our mom who is visiting us in Canada. Her hospital bill was covered without any problems. TuGo insurance was a great support in our emergency situation. Highly recommend!

Date of experience : October 03, 2022

Hi Amalia, Thanks for taking the time to leave us a review and sharing your experience with us!

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How Do Travel Insurance Claims Work?

Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Table of Contents

How travel insurance claims work

How to submit your travel insurance claim and get reimbursed, time limits for filing a claim, how long do claim submissions take, how to choose a travel insurance plan, if you need to file a claim from your travel insurer ....

Whether your flight has been canceled, your luggage is lost or you get sick or injured during your trip, travel insurance can protect you. But to get your benefits, you need to submit one or more travelers insurance claims, depending on your situation.

Here's how travel insurance claims work and what to watch out for when submitting your claim.

Travel insurance claims are the system through which a traveler submits documentation to their insurance provider for reimbursement of a covered expense. This reimbursement is not guaranteed; instead, it hinges on the approval of the claim from the insurance underwriter.

In general, the provider will need to verify the situation before remitting any reimbursements to travelers, and the level of coverage varies significantly. Insurance providers typically have very explicit, extensive requirements in order for claims to be confirmed and refunded.

Travel insurance 101 means knowing how travel insurance claims work. Hopefully, you’ll never need to file a claim, but it pays to know the following facts if the worst should happen.

» Learn more: What to know before buying travel insurance

You must qualify for a covered reason

Insurance companies are very explicit about the situations they will cover, and coverage details vary by company and the type of policy that you've purchased.

In general, the more expensive your policy, the more benefits the policy will offer. While some policies cover only medical emergencies, others cover trip cancellation and interruption , lost or stolen bags, and other losses.

Even though policies can be dense or boring to read, be sure you look at the details of yours so you know what types of situations you're covered for .

The details of your claim matter

The details about your reason for canceling are important, and the specifics will determine your eligibility. For example, you may not be feeling well, but are you sick enough that a doctor would suggest that you cancel your trip? There's a big difference between having a small cough and having pneumonia.

You may have to go through extra steps, like seeing a doctor, to prove your eligibility.

» Learn more: The best travel insurance companies

Reservations must be nonrefundable to qualify for cancellation benefits

When you’re traveling on miles and points, you can receive medical, trip delay and lost luggage benefits from a travel insurance policy you purchase. But if you want reimbursement for a canceled flight, travel insurance only covers nonrefundable expenses.

This prevents travelers from trying to "double-dip" and get a refund from both the airline and the travel insurance company.

Keep cancellation policies in mind before purchasing travel insurance. If you’re flying Southwest Airlines, which offers easy changes and refunds, and if your hotel has a 24-hour cancellation policy and you don’t have many activities booked in advance, you may not need travel insurance. The more flexible your plans, the less need you will have for travel insurance.

Claims should be submitted as soon as possible

Being proactive and timely with your claim ensures you won’t miss any deadlines that the travel insurance company may have. You don't want to go through the entire claims process only to find out that you missed the deadline by a few days. Instead, start your claim as soon as you can.

Organization is your friend

The travel insurance company will require documentation to support your claim, so you'll want to be organized as you collect the necessary records.

To stay organized with your documents, set up a folder in your email account for relevant messages, keep all paper receipts in an envelope and write down details of every conversation.

Many travelers digitize everything to make it easier to submit documents via email or an online portal. Your documentation should show that you have a valid claim that meets the insurance company requirements.

Time limits for filing a travelers insurance claim vary from company to company, so it is wise to refer to your specific policy to ensure you have a clear idea of the timeframe. Overall, most companies require claim submissions within 3 months of the incident.

For instance, according to insurance provider Seven Corners , "You must file your claim within 90 days of the incident, also known as the timely filing limit."

After you've submitted your claim — and assuming you have provided all of the required documentation and other elements — it can take up to two weeks for your reimbursement to be remitted.

Generally speaking, you should expect communication regarding your claim within that same timeframe. This could be to alert you of your claim's approval or to ask for additional evidence.

The more complex your travel insurance claim, the longer your approval and reimbursement process may take.

If your claim is approved, expect to receive a check or direct deposit of the amount owed.

Shop around if you’re looking to purchase a travel insurance plan. There are many online providers of travel insurance and the coverage amounts, limits, exclusions and other offerings can vary widely from provider to provider, not to mention policy to policy — even within the same company.

A comparison tool, like SquareMouth , can help you filter results based on what is important to you. You can filter your search to find policies that cover trip cancellation, trip interruption, baggage, medical treatment or other needs. You can then compare the cost of one policy against others based on your preferences and budget.

Travel insurance offers valuable protection in case something goes wrong with your travel plans. Your policy benefits will vary based on the level of coverage purchased and which company is offering the protection. When evaluating travel insurance providers, learn about their claims process should the worst-case scenario come true.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Wells Fargo Autograph℠ Card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

• Travel Insurance

The Forbes Advisor editorial team is independent and objective. To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive payment from the companies that advertise on the Forbes Advisor site. This comes from two main sources.

First , we provide paid placements to advertisers to present their offers. The payments we receive for those placements affects how and where advertisers’ offers appear on the site. This site does not include all companies or products available within the market.

Second , we also include links to advertisers’ offers in some of our articles. These “affiliate links” may generate income for our site when you click on them. The compensation we receive from advertisers does not influence the recommendations or advice our editorial team provides in our articles or otherwise impact any of the editorial content on Forbes Advisor.

While we work hard to provide accurate and up to date information that we think you will find relevant, Forbes Advisor does not and cannot guarantee that any information provided is complete and makes no representations or warranties in connection thereto, nor to the accuracy or applicability thereof.

TuGo Travel Insurance Review 2024

Updated: Jan 12, 2024, 6:25am

TuGo offers an impressive suite of travel insurance plans with the ability to pick and choose what benefits you need, as well as several options for upgrades. With $10 million in emergency medical benefits, including generous provisions for fractures, paramedical services, replacement of prescription glasses and even a child born on your trip, TuGo offers comprehensive coverage in case of emergencies. The Cancel for Any Reason (CFAR) upgrade provides peace of mind in case something forces you to cancel your trip, while access to an airport lounge after a two-hour delay offers some comfort when faced with a common travel hiccup. For these reasons and more,  TuGo stacks up as a solid choice for any traveller.

• Generous emergency medical benefit
• Customizable coverage options
• Cancel For Any Reason upgrade
• Adventurous sports optional rider
• Access to an airport lounge after a two-hour delay
• Some lower limits than other plans
• Maximum age for the all inclusive package is 59 years old
• Medical questionnaire required for those 60 years and older

Table of Contents

About tugo travel insurance, what travel insurance does tugo offer, tugo travel insurance plans, summary: plan comparison, tugo travel insurance cost, comparing tugo travel insurance with other insurers, optional add-ons for tugo travel insurance, does tugo travel insurance offer any discounts, does tugo travel insurance offer annual multi-trip plans, tugo travel insurance 24/7 travel assistance, does tugo travel insurance have cancel for any reason (cfar), does tugo travel insurance have interruption for any reason (ifar), tugo travel insurance and pre-existing medical conditions, tugo travel insurance exclusions, tugo travel insurance eligibility, how to file a claim with tugo travel insurance.

Founded in 1964, North American Air Travel Insurance Agents Ltd., operating as TuGo, is a licensed insurance agency in all Canadian provinces and territories. TuGo is based in Richmond, BC.

TuGo’s insurance policies are underwritten by Industrial Alliance Insurance and Financial Services and Industrial Alliance Pacific General Insurance Corporation.

To get a quote from TuGo Insurance you need to choose a travel insurance partner in your area. This review is based on information provided by Travel Insurance Office Inc., which is based in Markham, Ont.

Here are the key types of travel insurance coverage offered in TuGo travel insurance plans:

• Emergency medical insurance: If you get ill or are injured on your trip, travel medical insurance can pay for emergency medical expenses, up to the coverage limits in your plan. These expenses can include doctor and hospital bills, medication and lab work.
• Trip cancellation insurance: If you cancel a trip for a reason listed in your travel policy, such as you or your travelling companion becoming ill, weather conditions causing a massive delay or you end up losing your job,  trip cancellation insurance can reimburse you for prepaid, non-refundable costs.
• Travel interruption or delay insurance: Trip interruption insurance can pay for a last-minute flight home in an emergency and money that you lose if you have to return home earlier than expected, such as non-refundable activities and hotel stays. If your flight is delayed , your insurance can cover the cost of incidentals, such as meals or accommodations, after a specified period of time, usually six, 10 or 12 hours.
• Baggage insurance: Baggage travel insurance can compensate you up to your policy limits if your luggage is lost or stolen. It will reimburse the depreciated value of your suitcases and what you packed. If your checked bags are delayed, it can reimburse you for the cost of the necessities you’ll have to buy to tide you over.
• Travel accident insurance:  This coverage offers compensation in the event of accidental death or catastrophic injury from an accident during your trip. Flight Accident Insurance covers injury while you’re on a commercial plane, during a connection or in an airport. Travel Accident Insurance covers death or dismemberment, including the loss of limbs or eyesight, while in transit during your trip.

TuGo allows you to customize the amount of coverage you need. You can choose one of two package options— the All Inclusive Holiday Package or Non-Medical Package—or pick individual insurance plans à la carte. For example, you could choose the Emergency Medical Excluding USA plan with the optional baggage coverage, or the Trip Interruption plan and rental car protection coverage. TuGo also has several optional insurance upgrades to give you higher coverage limits.

All Inclusive Holiday Package: This option includes emergency medical insurance, trip cancellation & trip interruption, accidental death & dismemberment and basic baggage insurance coverage.

Coverage for emergency medical treatment includes:

• Hospital accommodation up to a semi-private room
• Physician fees
• Ambulance services, including ground, air or sea to the nearest hospital
• Diagnostic lab tests and X-rays
• Prescription drugs, all in-hospital plus 30-day supply after release
• Medical appliances, such as a wheelchair, crutches or cane
• Private duty nursing
• One follow-up visit within 14 days after the initial treatment for a medical emergency
• Specific provisions for fracture treatment, including up to $1,250 for X-rays, re-examinations, casting and re-casting, as well as cast removal, after the initial emergency treatment and one follow-up visit
• Other professional medical services, such as physiotherapist, chiropractor, chiropodist, osteopath, podiatrist, optometrist and acupuncturist, up to $700 per practitioner
• Emergency dental due to a blow to the face, to the policy limit, plus 30-days of treatment when you return home
• Emergency dental due to illness or pain, up to $700
• Unexpected birth of child, up to $25,000 (not payable during the nine weeks before or after your due date)
• Non-medical evacuation from a remote location, up to $6,000, including search and rescue services
• Replacement of prescription glasses or contact lenses due to theft, loss or breakage, and/or replacement of a hearing aid due to theft, loss or breakage, up to $1,000
• Medical follow-up in Canada including up to semi-private accommodation in a hospital, rehabilitation centre or convalescent home (up to $1,000), up to $100 per day for private nursing, up to $300 for licensed ambulance or taxi services and up to $300 to rent or purchase essential medical appliances, for 15 days after your return date

Medical coverage also provides a hospital allowance to cover incidental expenses, such as TV rental and telephone, as well as one-way economy fare to return home if medically necessary (and includes a travelling companion or medical attendant), as well as baggage return, pet return and return of dependent children. If your return home is delayed, this benefit covers meals and accommodations.

Non-Medical Package: If you have emergency medical coverage elsewhere, such as through a travel credit card, the Non-Medical Package provides you with trip cancellation & trip interruption insurance, accidental death and dismemberment insurance and baggage insurance. You can purchase the Non-Medical Package and the Emergency Medical Insurance as separate policies.

Emergency Medical: If you’re only worried about medical emergencies while travelling, this benefit offers all of the medical coverage listed above. There are two plans for travellers outside of Canada: The Emergency Medical Worldwide plan and the Emergency Medical Worldwide Excluding USA plan.

The Emergency Medical Excluding USA provides coverage for outside of the United States, except for:

• Flight stopovers or flight layovers in the U.S. up to 48 hours
• Transit through the U.S. by car, van, truck, recreational vehicle, motorcycle, bus or train for up to five days to your travel destination and up to five days to return from your travel destination

Keep in mind that if you are travelling by cruise ship and the cruise departs from or stops at any ports in the U.S., you must purchase a Worldwide plan for the full duration of your trip.

It’s important to note that there is a waiting period with the emergency medical insurance that is laid out as follows:

• If your policy was purchased within seven days after departure, there is no coverage for any disease or illness (either arising or exhibiting symptoms) during the first 48 hours of the effective date, and any related expenses after the first 48 hours, or
• If your policy was purchased more than seven days after departure, there is no coverage for any disease or illness (either arising or exhibiting symptoms) in the first seven days from the effective date, including any related expenses.

Family & Friends: This plan is available with the Emergency Medical plan and covers up to two travellers aged 59 years old and under and up to six dependent children. The travellers named in this plan do not have to be the parents or guardians of the dependent children.

Trip Cancellation & Interruption: This coverage option reimburses you for insured travel expenses (such as hotels or prepaid excursions) if you have to cancel or interrupt your trip due to a covered risk. The benefits depend on the reason for the trip cancellation or interruption.

Trip Interruption Only: This coverage option reimburses you for insured travel expenses (such as hotels or prepaid excursions) if you have to interrupt your trip after departure due to a covered risk.

Accidental Death or Dismemberment: This coverage option offers reimbursement in the event you die, or lose the use of one or more limbs, during a flight or while entering or leaving a common carrier, defined as a boat, cruise ship, airline, bus, taxi, train or other similar vehicle that is licensed and intended to carry passengers for hire. This plan also includes a 24-hour Accident benefit of $25,000 that is paid out in the event of death or dismemberment as a result of an accident in any other situation.

MyFlyt Service: When your flight is delayed by two or more hours, this service automatically gives you access to an airport lounge, as long as you register your flight at least one hour before the original scheduled departure time. If the airport lounge is overbooked or there is no airport lounge, you will instead receive an immediate $40 cash payout via Interac , PayPal or bank transfer. (The bank transfer can take up to 72 hours, depending on your bank.) This service is available at no extra cost to anyone with TuGo travel insurance, even if you don’t have trip interruption coverage.

We’ve highlighted the key benefits for each coverage option available for the single trip plan when travelling outside of Canada to help you identify which is the best fit for you.

The price of a TuGo travel insurance plan depends on factors such as the cost of your trip, your age and the amount of coverage you choose.

Here are some examples of the cost for TuGo single trip plans for healthy travellers based in Ontario. These quotes assume a $0 deductible for the emergency medical insurance and that the insured will not be travelling through the US.

To access a quote from TuGo, you must select a travel insurance partner in your area. These sample quotes were sourced from Travel Insurance Office Inc. Actual prices may differ depending on your choice of travel insurance partner.

It’s easy to build a quote with TuGo as you can click on and off the coverage options you want to create a customized insurance plan.

Note: The All Inclusive Holiday Package is not available (N/A) for the couple travelling to Mexico as they are older than the 59-year-old maximum age limit.

With your Emergency Medical excluding USA coverage, you can also add an optional deductible, or the amount you will pay out of pocket before your coverage kicks in. Here’s how the purchase of a deductible affects your premium.

Emergency medical: $5 million Cancel For Any Reason: Yes, 50% to 75% Baggage insurance (maximum): $1,500

Related: CAA Travel Insurance Review

TD Insurance

Emergency medical: $5 million Cancel For Any Reason: No Baggage insurance (maximum): $1,000

Related: TD Insurance Travel Insurance Review

Johnson Medoc Travel Insurance

Emergency medical: $5 million Cancel For Any Reason: No Baggage insurance (maximum): $1,500

Related: Johnson Medoc Travel Insurance Review

There are several optional coverages or add-ons that can be purchased as an endorsement to a TuGo insurance plan or package.

Baggage Insurance: This optional coverage can be purchased to increase the amount of baggage coverage from $500 to $1,500 per insured to a maximum of $3,000 for the Family & Friends plan. This benefit also covers the loss of currency due to theft up to $100. If your baggage is delayed by 12 hours while travelling, this benefit will provide up to $200 for personal necessities.

Rental Car Protection: This optional coverage provides up to $75,000 for physical damage to a rented or leased vehicle, in lieu of any collision damage insurance purchased from the rental or leasing agency. Physical damage in excess of $2,000 must be documented by a police report.

Sports & Activities Coverage: This optional coverage can be purchased as an add-on to an Emergency Medical insurance plan. This add-on does not increase the maximum limits of the plan, but provides coverage for activities otherwise excluded from coverage. The coverage provided under this endorsement is as follows:

For all ages: TuGo will cover medical and related expenses for an acute, sudden and unexpected medical condition while participating in, training for or practicing for the following sport or activity, if you select the sport or activity when completing your application.

TuGo will cover up to the policy limit of $10 million for these activities:

• Backcountry skiing or snowboarding
• Downhill freestyle skiing or snowboarding
• Downhill mountain biking
• Ice climbing
• Mixed martial arts
• Mountaineering
• Rock climbing

TuGo will cover up to $500,000 for these activities:

• 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

For travellers age 21 and over: TuGo will cover medical and related expenses for an acute, sudden and unexpected medical condition while participating in, training for 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 while completing your application:

• Football (American and Canadian)

Using the sample quote (above) of a couple going to Mexico, adding scuba diving over 40 metres to their Emergency Medical Excluding USA coverage will add $191.68 to their premium.

Unstable Pre-Existing Medical Condition Coverage: This add-on can be purchased as an endorsement to an Emergency Medical Insurance Worldwide plan or Worldwide Excluding USA plan. It provides the following benefits:

TuGo will pay for the reasonable and customary charges for medical and related expenses up to the policy limits incurred due to a pre-existing medical condition that was not stable before your date of departure. TuGo will not provide coverage for any medical condition that is not stable on or within the seven days before you leave on your trip.

Using the sample quote (above) of a couple going to Italy, adding the Unstable Pre-Existing Condition coverage to their Emergency Medical Excluding USA coverage will add $95.26 to their premium.

A 5% discount is applicable to a minimum of two travelling companions purchasing single trip insurance or a multi-trip annual plan.

Yes. You can buy multi-trip annual insurance if you travel more than once a year for multiple individual trips. TuGo offers emergency medical worldwide, trip cancellation & interruption and accidental death and dismemberment annual insurance for five, 10, 20, 35, 60, 95, 125, 155 and 182 days per trip.

TuGo’s International Assistance is provided to all insured travellers and is available 24/7, 365 days of the year either before or during your trip. Support includes:

• Communications link between traveller and the hospital regarding insurance coverage and procedures
• Medical consultation and advisory services, including a review of appropriateness of medical care
• Monitoring of progress during treatment and recovery
• Establishing contact with family, personal physician and/or employer, as necessary
• Ability to speak in multiple languages
• Coordination of payments
• Management, arrangement and authorization of emergency medical evacuation or repatriation of remains
• Interpretation of policy wordings
• Assistance in locating the nearest and most appropriate medical care
• Payment to hospitals and other medical providers where possible
• Travel assistance for family members
• Arrangements and communications with consulates, travel agents, embassies, tour guides, airlines, police, foreign affairs departments
• Legal referral services

Yes. This optional coverage can be purchased as an endorsement or add-on to the Trip Cancellation & Trip Interruption plan, the All Inclusive Holiday Package and the Non-Medical Package.

If you decide to cancel your trip for any reason other than a covered risk, TuGo will pay up to 50% of either of the following, whichever is less:

• Prepaid travel costs that are non-refundable and non-transferable
• Up to the sum insured selected before departure which is non-refundable and non-transferable

To be eligible for this coverage, you must buy your insurance in the first five days after making any initial payment, whether it’s a deposit, partial payment or full payment or at any time before any cancellation penalties apply.

To be reimbursed under this coverage you must cancel your trip more than five days before your departure date.

Here’s how the prices compare for coverage with and without the CFAR add-on :

In general, CFAR adds anywhere between 20% and 33% to your insurance premium.

TuGo will not pay any medical expenses related to any medical condition that is not stable for a set period of time.

A medical condition is considered stable when all of the following are true:

• There has been no deterioration of the medical condition as determined by a physician or other registered medical professional.
• There have been no new symptoms or findings or more frequent or severe symptoms or findings.
• There has been no change in treatment by a physician or other registered medical practitioner.

In addition, TuGo will not pay any benefits or services for the following:

• For travellers 59 years and under on a trip of less than 35 days for any medical condition that is not stable on or within the seven days before departure
• For travellers 59 years and under on a trip of more than 35 days for any medical condition that is not stable on or within the 90 days before departure
• For travellers 60 years and over on any length of trip, any medical condition that is not stable on or within the 180 days before departure

There are a number of scenarios not covered by travel insurance and it’s critical to know what not to do before you make a claim. The following are exclusions to all coverages provided by TuGo travel insurance:

• Your participation in or voluntary exposure to acts of war or terrorism
• Death, disablement or injury caused by radioactive contamination or by the utilization of nuclear, chemical or biological weapons
• Any medical condition that is the result of you not following prescribed treatment or medication
• Consumption or use of illegal or controlled drugs
• Your participating, training or practicing in any areas that have been closed off to public access for the following activities: Backcountry skiing/snowboarding, downhill freestyle skiing/snowboarding in organized competitions, high-risk snowmobiling, ice climbing, mountaineering, rock climbing
• Your participation in or training for any of the following sports or activities: Barrel racing, bronco riding, bull riding, chariot racing, chuck wagon racing, harness racing, rodeo bareback racing, rodeo clowning, rodeo team roping, steer wrestling/chute dogging, trick riding
• Any medical condition where the purpose of the trip is to seek treatment, advice or services for that condition
• Routine prenatal or postnatal care or pregnancy, delivery or complications of either in the nine weeks before or after the expected due date
• Your child born during the trip, except as specified under the Unexpected Birth of a Child benefit
• Your voluntary termination of a pregnancy or resulting complications
• Your suicide or self-inflicted injury
• Your commission or attempted commision of a criminal offence or illegal act
• Non-emergency, experimental or elective treatment or procedures
• Cosmetic surgeries, procedures and/or treatments

To be eligible for medical insurance with TuGo, the following must apply:

• You are a Canadian resident
• You are not travelling against a physician or other registered medical practitioner’s advice
• You have not been diagnosed with a terminal condition
• You are not receiving palliative care or palliative care has not been recommended

In addition, for travellers aged 55 and over, you must not:

• Have received medical advice not to travel
• Suffer from a medical condition in a terminal stage
• Suffer from kidney failure treated with dialysis
• Have been diagnosed with or treated for metastatic cancer in the last five years
• Have been prescribed or treated with home oxygen in the past 12 months

You can file a claim online 24/7 by visiting the online claim system at myTuGo.com where you can log in with your insurance policy number and start a new claim. There you can complete, print and return the forms by email or mail. TuGo recommends that you submit your claim form within 60 days from the day you were treated.

For an emergency medical claim, it’s important to provide all itemized bills and receipts including:

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

For a trip cancellation and trip interruption claim, you’ll need to provide:

• The original unused tickets or e-tickets
• Original itemized, dated invoices and receipts from all travel suppliers showing full payment, taxes and fees paid
• A copy of the originally scheduled travel arrangements or itinerary
• Proof of cancellation from all airlines, hotel or accommodation providers, tour operators, cruise lines and any other traveller suppliers for unused expenses
• A statement from the travel agency, airline or travel supplier documenting their refund policy and 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 and type of treatment and the reason why travel was not possible or if after departure, the reason why it was necessary to interrupt the trip

For a baggage insurance claim, you’ll need to provide:

• Proof that the lost, stolen or damaged baggage was reported to the most appropriate local authority, such as police, hotel manager, vacation rental, or airline
• Proof of loss, such as a police report
• If your baggage is damaged, a written estimate from a repair shop on the cost to repair

TuGo Travel Insurance FAQs

Does tugo pay for medical costs upfront.

According to the company, in many cases TuGo can work directly with the medical service provider, such as a hospital or clinic, to pay expenses directly due to its “network of preferred providers.” However, some hospitals will require a deposit upfront or will require you to pay expenses out-of-pocket. In this case, TuGo suggests opening a claim immediately and submitting your signed claims forms and any original itemized bills and receipts.

Does TuGo cover COVID-19?

Emergency medical care for COVID-19 is covered up the policy limits if before your date of departure you are travelling with all federal travel vaccine requirements issued by the Government of Canada for entry or return to Canada, if there are any. The company notes that as there currently is no federal vaccine requirement, TuGo’s coverage is provided regardless of vaccination status.

Does TuGo offer coverage extensions?

Yes. Your coverage is automatically extended for up to seven days if your return home is prevented due to a transportation delay. If you, your travelling companion or family member are hospitalized, your coverage will be extended for the length of your hospitalization, plus up to seven days after discharge. If you, your travelling companion or a family member are unwell but not hospitalized, your coverage will be extended for up to seven days. If you, your travelling companion or your family member are quarantined due to a positive COVID-19 test, your coverage will be automatically extended for up to 14 days.

You can also request an extension if you want to stay longer on your trip, provided you have not submitted a claim and have no intent to submit a claim, your policy has not already expired and your trip length is not longer than two years from the effective date of the original policy. If you have Emergency Medical insurance coverage, you can request an extension if you haven’t seen a physician or other registered medical practitioner since you left on your trip and you’re not currently experiencing any symptoms or have no reason to seek medical attention.

Does TuGo require a medical questionnaire?

Yes. Travellers aged 60 and over are required to complete a medical questionnaire to determine your insurance premium when purchasing the multi-trip annual worldwide medical insurance, the single-trip worldwide medical insurance and the single-trip excluding USA. medical insurance.

If you have to make a claim and if during the claims process TuGo discovers your answers to the medical questionnaire are false or inaccurate, a $15,000 US deductible will be applied to your claim, in addition to any other deductible you may have selected. Coverage will not be provided until you correct your answers and pay any additional premium that may be required.

Does TuGo have any age restrictions?

Yes. The All Inclusive Holiday Package is only available for travellers 59 years old and under. All travellers aged 60 and over are required to complete a medical questionnaire to determine their insurance premium. The company notes that its Emergency Medical insurance “covers all ages.”

When does my coverage with TuGo begin?

In general, if you purchase cancellation coverage, it begins the day you buy your policy and ends the day you make a claim or leave on your trip. Your interruption coverage, if purchased, begins when you leave home. Your delay coverage begins once an insured risk prevents you from returning home as scheduled.

Can I get a refund with TuGo?

In general, you can request a cancellation and full refund of your contract before the effective date of the contract (or the date the coverage begins) or during the 10 days following the date of purchase, with some exceptions. If your trip is cancelled before any penalties from the travel suppliers apply, you’ll get a full refund, less an administration fee.

Does TuGo offer a free look period?

Yes. TuGo gives you 10 days after the application date of the policy to review and cancel your contract if you’re not satisfied with it. A full refund is available as long as no travel has taken place and your policy has not expired.

Fiona Campbell is a Staff Writer for Forbes Advisor Canada. She started her career on Bay Street, but followed her love for research, writing and a good story into journalism. She is the former editor of Bankrate Canada, and has over 20 years of experience writing for various publications, including the Globe and Mail, Financial Post Business, Advisor’s Edge, Mydoh.ca and more.

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TuGo’s Top-Up Travel Insurance: Your Questions Answered

Think you’re sufficiently covered by your work benefit or credit card travel insurance for your next trip? Think again! One reason why you’d want—and need—to top up your existing travel insurance policy is that it may not cover the entire length of your planned trip. 

For example, if you have a group plan from your work that offers only up to 30 days of coverage, and your trip is 45 days long, you can get TuGo Travel Insurance as a top-up policy to cover the remainder of your trip; in this case, it’d be 15 days. The additional days you purchase with TuGo ensures that you’ll have coverage for the entire duration of your time away.

5 frequently asked questions about top-up travel insurance 

Topping up travel insurance might be more common than you think. Here are some common questions from travellers: 

1. Why do I need to get top-up travel insurance?

It’s generally not a good idea to get coverage for only a portion of your trip. Top-up insurance covers you the day after another travel insurance policy expires, in effect extending your coverage, so you won’t be left unprotected for any number of days. When in doubt, it’s best to top up your insurance to ensure continuous coverage for those unexpected medical emergencies or accidents while you’re away .  

Note: If you have travel insurance coverage from another provider, you should always verify   that they allow their coverage to be topped up by another provider (such as TuGo), as they may void or restrict your coverage if you don’t extend or top-up with them directly. 

2. What are my top-up travel insurance options with TuGo?

At TuGo, you can get the following Emergency Medical Insurance plans to top up your existing coverage: 

Multi Trip Annual Emergency Medical Travel Insurance  

• Within Canada 

Single Trip Emergency Medical Travel Insurance   

• Worldwide excluding USA

If you’re unsure whether to get single trip or annual coverage for future travel, consider the value of an annual travel insurance policy , if you plan to travel more than once in a given year. 

3. I’m already with TuGo—can I top up an existing TuGo plan?

If you already have a TuGo Travel Insurance policy and would like to add more days of coverage to that plan, you can ask for an extension. Extensions are available to TuGo customers if your current policy hasn’t expired/lapsed, or if you haven’t submitted or plan to submit a claim.  

There are also instances when your existing coverage will be automatically extended, at no additional cost to you. Read more about how to extend your TuGo travel insurance policy . 

If you’re ready to extend your existing TuGo coverage, call TuGo Customer Service at 1-855-929-8846 or email us at [email protected] .

4. How many days can I top up a policy with TuGo Travel Insurance?

If you’re 59 years old or younger, you can top up your coverage for up to 365 days. If you’re 60 years old and over, you can get coverage for up to 182 (6 months) or 212 days (7 months), depending on your home province. 

5. Can I still top up my policy if I have a pre-existing medical condition?

Yes, you can top up your travel insurance policy if you have a pre-existing medical condition. Coverage for your pre-existing medical condition would need to meet stability requirements that are based on your age, and total trip length, including the number of days you’re topping up with TuGo. Here’s how pre-existing medical conditions can impact insurance claims . 

Happy travels,

Justin 

Editor’s Note: This post was originally published in September 2015 and has been updated for freshness and/or accuracy.  

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We have 1 partners in the yukon, 2 thoughts on “ tugo’s top-up travel insurance: your questions answered ”.

Hi, I have recently graduated from university (23 years old) and live in Ontario. I am travelling to France to work leaving end of September and returning for Christmas on December 19. I am returning to France January 1 to work until May 1 2017. I may travel in Europe after May 1 returning to Ontario Canada late summer. I have no specific medical insurance beyond OHIP at this time. What is best approach to medical insurance while I am away?

Hi Shirley, Thank you for your query! We’re so happy to hear that you’re embarking on a European adventure – it sounds very exciting. Most Canadians don’t know that provincial health coverage (such as OHIP) only pays for less than 10% of health care costs in case of a medical emergency when travelling outside Canada ( http://blog.tugo.com/en/blog/provincial-health-care-coverage-outside-canada/ ), so it’s a great idea to consider travel insurance for your upcoming trip. In your case, since you’ll be taking multiple trips to, from, and within Europe, it’s best to choose a multi-trip annual policy. Learn more about it in our blog post ( http://blog.tugo.com/en/blog/4-things-to-know-about-multi-trip-annual-travel-insurance/ ) or connect with our customer service toll-free at 1-855-929-8846 or by email at [email protected] for more details on coverage options before your trip. Bonne chance! Shweta

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