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- TuGo offers Emergency Medical Insurance, Trip Cancellation & Trip Interruption Insurance, the Canadian Student Plan, and the All Inclusive Holiday Package, with most plans available as single-trip and multi-trip annual options
- Depending on the plan type, the coverage is offered for emergency medical expenses, trip cancellation and interruption, emergency medical evacuation, emergency dental care, baggage protection, prescription drugs, and paramedical services
- Emergency Medical Insurance provides up to $5 million in coverage, while the Canadian Student Plan offers up to $2 million in emergency medical benefits
- TuGo covers eligible pre-existing medical conditions if the required stability period is met, with an optional Reduced Stability Rider available for eligible travellers who do not meet the standard stability requirements
TuGo travel insurance provides comprehensive protection for Canadians travelling within Canada and internationally. Its plans include up to $5 million in emergency medical coverage, along with benefits for trip cancellation, trip interruption, baggage loss, travel delays, and more, depending on the plan type. The cost of TuGo travel insurance ranges from $142.56 to $662.02, depending on the traveller’s age, plan type, trip duration, and a few other factors.
Quick review: TuGo travel insurance
- PolicyAdvisor ratings: 5/5
- Best for: Optional coverage for adventure sports and unstable pre-existing conditions
- Skip if: You want baggage coverage included by default with trip interruption plans
What is TuGo travel insurance?
TuGo travel insurance is a customizable travel insurance solution that helps protect you against unexpected expenses before and during your trip. It offers optional coverage like Baggage Insurance, Sports & Activities coverage, and Reduced Stability Rider that helps you tailor your coverage according to your specific travel plans. North American Air Travel Insurance Agents Ltd., doing business as TuGo, develops and distributes these policies, while OneWorld Assist Inc., operating as Claims at TuGo, is TuGo’s claims and assistance provider and administers all claims on TuGo’s behalf.
Key features of TuGo travel insurance
| Plan types |
|
| Minimum eligibility age | None |
| Pre-existing coverage |
|
| Maximum coverage in trip interruption | Up to the sum insured |
| Maximum coverage in emergency medical | $5,000,000 & $2,000,000 for Canadian Student Plan |
| Deductibles | $0 / $300 / $500 / $1,000 / $2,000 / $5,000 / $10,000 / $25,000 / $50,000 / $100,000 (Emergency medical only) |
| Optional riders (except for the Canadian Student Plan) |
|
| Waiting period | A 48-hour waiting period applies if you purchase the policy after departure |
| Policy extensions | Automatically extended when you are medically unfit to travel, you or your travelling companion is hospitalized, or there is a delay by a common carrier |
Who is eligible for TuGo travel insurance?
To be eligible for TuGo travel insurance, here are the requirements:
- You are a Canadian resident
- You are not travelling against a physician’s 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
Types of TuGo travel insurance plans
TuGo offers a range of travel insurance options to protect Canadians before and during their trips. Depending on your travel needs, you can choose Emergency Medical Insurance, Trip Cancellation & Trip Interruption Insurance, Canadian Student Plan, or All Inclusive Holiday Package. Most coverages are available as single-trip or multi-trip annual plans, allowing you to select the option that best matches how often you travel.
Emergency Medical Insurance
This plan covers eligible emergency medical expenses if you become sick or injured while travelling. It is available for all ages as a single-trip or a multi-trip plan. This TuGo travel medical insurance offers coverage for emergency hospitalization, physician services, prescription drugs, emergency dental care, medical evacuation and repatriation, paramedical services, and hospital allowances.
Trip Cancellation & Trip Interruption Insurance
This travel insurance plan in Canada, offered by TuGo, protects your prepaid, non-refundable travel expenses if you need to cancel your trip before departure or return home early due to a covered event. It can also reimburse eligible transportation, accommodation, meals, and other interruption-related expenses. It is also available as both a single-trip and multi-trip plan. TuGo also offers a plan that provides coverage for Trip Interruption only.
Canadian Student Plan
The Canadian student plan is designed for Canadian students aged 40 and under studying outside their home province or territory. This plan provides coverage for emergency medical expenses, along with student-focused benefits such as emergency dental care, paramedical services, repatriation, tutorial assistance, maternity coverage, annual health examinations, and accidental death & dismemberment benefits.
All Inclusive Holiday Package
This plan is designed for Canadian residents 59 years old or younger. This single-trip plan bundles emergency medical insurance, trip cancellation and interruption, accidental death & dismemberment, and baggage insurance into one comprehensive package. It is a convenient option for travellers who want broad protection for both medical emergencies and travel-related disruptions in a single policy.
What is covered under TuGo travel insurance?
TuGo travel insurance provides comprehensive protection against unexpected medical emergencies and travel disruptions. Depending on the plan you choose, your coverage may include the following benefits:
- Emergency medical expenses: Covers eligible hospitalization, physician services, diagnostic tests, and emergency treatment while travelling
- Emergency dental care: Covers eligible emergency treatment for accidental dental injuries
- Prescription drugs: Reimburses eligible medications required to treat a covered medical emergency
- Emergency medical evacuation and repatriation: Covers ambulance services, medical evacuation, and repatriation to Canada
- Trip cancellation and trip interruption: Reimburses eligible travel costs if you need to cancel or cut short your trip due to a covered reason
- Baggage loss, damage, and delay: Optional baggage coverage reimburses the cost of lost, stolen, or damaged baggage
- Paramedical services: Covers eligible treatment from licensed healthcare practitioners, such as physiotherapists and chiropractors
- Hospital allowance and incidental expenses: Covers eligible hospital allowances and certain incidental expenses during a covered medical emergency
- Accidental death & dismemberment (AD&D): Provide a lump-sum benefit for covered accidental death or permanent injuries
TuGo travel insurance plans coverage at a glance
| Features | Emergency Medical Insurance | Trip Cancellation & Trip Interruption Insurance | All Inclusive Holiday Package | Canadian Student Plan |
| Emergency medical (overall limit | $5,000,000 | NA | $5,000,000 | $2,000,000 |
| Hospital accommodation | Up to the policy limit for in-patient / out-patient emergency medical treatment, physician services,
private duty nursing, x-rays & lab tests, essential medical appliances |
NA | Up to the policy limit | Up to the policy limit for in-patient / out-patient emergency medical treatment, physician services,
private duty nursing, x-rays & lab tests, essential medical appliances |
| Prescription drugs | Up to a 30-day supply following an emergency during the trip; up to $200 for a physician visit to
replace lost, stolen, or damaged prescriptions |
NA | Up to a 30-day supply following an emergency during the trip; up to $200 for a physician visit to
replace lost, stolen, or damaged prescriptions |
NA |
| Paramedical practitioners | Up to $700 for any one incident, per practitioner | NA | Up to $700 for any one incident, per practitioner | $600 per incident per practitioner |
| Emergency dental | Up to $700 for non-blow dental emergencies; up to the Policy limit for an accidental blow to the face | NA | Up to $700 for non-blow dental emergencies; up to the Policy limit for an accidental blow to the face | Up to $6,000 for accidental blow to the face and up to $600 for other emergency dental treatment |
| Emergency evacuation/repatriation | Up to $6,000 burial/cremation at the place of death | Up to $5,000 burial or up to $5,000 cremation at the place
of death, only for trip interruptions |
Up to $6,000 burial/cremation at the place of death | Up to $6,000 burial/cremation at the location |
| Baggage loss/delay | Optional, up to $1,500 per traveller to a max of $3,000 for family & friends | NA | $500 | NA |
| Accidental death & dismemberment | Optional | NA |
Accident: $100,000
|
Included ($10,000); optional upgrade available |
| Trip cancellation (before departure) | NA | Up to the sum insured, along with $350 additional accommodation to resume the itinerary and up to $1,000 transportation not part of the tour | Up to the
sum insured |
NA |
| Trip interruption (after departure) | NA | Up to the sum insured and out-of-pocket $350/day to a max of $1,500 | Up to the
sum insured |
NA |
| Trip interruption and cancellation (overall maximum) | NA | Up to $100,000 | Up to the
sum insured |
NA |
What is not covered under TuGo travel insurance?
Some of the common exclusions under TuGo travel insurance include:
- Injuries or losses resulting from war, terrorism, or nuclear, chemical, or biological events
- Medical conditions that worsen because you did not follow prescribed treatment or medication
- Claims related to the use of illegal or controlled drugs
- Medical treatment is sought when the primary purpose of the trip is to receive medical care
- Routine pregnancy care, childbirth, or pregnancy-related complications occurring close to the expected delivery date, unless specifically covered
- Elective, cosmetic, experimental, or non-emergency medical treatments and any related complications
- Self-inflicted injuries, suicide attempts, or injuries resulting from criminal or illegal acts
- Medical conditions or symptoms that were reasonably expected to require treatment during the trip
Pros and cons of TuGo travel insurance
| Pros | Cons |
| Up to $5 million in emergency medical coverage for eligible travellers and $2M for Student Plan | Baggage coverage is optional and not included with Trip Interruption & Cancellation |
| Flexible plan options, including Emergency Medical, Trip Cancellation & Trip Interruption, and Student plans | Trip cancellation and interruption benefits must be purchased separately from emergency medical coverage |
| Offers optional add-ons such as Sports & Activities, Rental Car Protection, and Reduced Stability Rider | |
| Single-trip and Multi-trip annual options are available for most plans | |
| No age limit to be eligible for the plan |
How much does TuGo travel insurance cost?
The cost of the TuGo travel insurance plan ranges between $142.56 and $662.02. The actual cost may, however, vary based on the traveller’s age, health condition, plan type, trip duration, trip cost, and a few other factors.
TuGo travel insurance cost (2026):
| Age | Single-trip | Multi-trip (15 days per trip) | Trip Interruption and Cancellation plan (Trip cost 2000) |
| 25 | $157.22 | $149.50 | $142.56 |
| 35 | $157.22 | $149.50 | $142.56 |
| 45 | $205.70 | $155.25 | $142.56 |
| 55 | $205.70 | $155.25 | $142.56 |
| 65 | $274.15 | $241.50 | $167.40 |
| 75 | $662.02 | $501.40 | $295.92 |
Disclaimer: Illustrative premiums for single-trip and multi-trip annual Emergency Medical plans ($5 million coverage) and a Trip Cancellation & Trip Interruption plan (based on a $2,000 trip cost). Actual premiums may vary based on age, destination, trip duration, health, deductible, and other factors.
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How to make a claim with TuGo travel insurance?
To make a claim with TuGo travel insurance, notify TuGo as soon as possible, complete the required claim form, and submit all supporting documents. Here’s a look at the claim process for TuGo travel insurance:
- Notify TuGo as soon as possible by contacting the claims department or opening eligible medical, dental, trip cancellation, or trip interruption claims online
- Complete the claim form and submit all requested supporting documents, including original itemized receipts and any additional documentation required for your claim
- Provide claim-specific documents, such as medical certificates, travel itineraries, cancellation confirmations, or other records, depending on the type of claim (e.g., emergency medical or trip cancellation)
- Submit your claim within the specified period; otherwise, the claim may be denied
- Keep all original receipts and records, as reimbursement is based on original itemized invoices and proof of expenses
- Track the claim status and upload additional documents if required
Please note that additional documentation may be required depending on the type of claim. Emergency medical claims, trip cancellation, and trip interruption claims each have specific documentation requirements outlined in the TuGo policy.
Can you cancel or get a refund on TuGo travel insurance?
Yes, TuGo allows you to cancel your travel insurance policy, but your refund depends on when you cancel, whether your trip has started, and whether you have submitted a claim.
- Within 10 days of purchase (free-look period): You can receive a full refund if you cancel within 10 days of the application date, provided no travel has taken place, and the policy has not expired
- Before your trip begins: If you cancel before the policy’s effective date, you are eligible for a full refund for all plans
- After your trip starts or if you return early: For single-trip plans, you may qualify for a partial refund (less an administration fee). The refund is based on the date you request cancellation or from your return date, provided you submit acceptable proof of return, and your refund request is received within 90 days after the policy expires
- Multi-trip annual plans: If no travel has taken place, you can receive a full refund within 10 days of the application date. After that, you may be eligible for a partial refund (less an administration fee) if you request cancellation within 90 days of the policy’s effective date
- No refund after a claim: Refunds are not available if a claim has been made or will be submitted under the policy. All refund requests made after the policy becomes effective must be submitted in writing
Does TuGo travel insurance allow automatic extensions?
Yes, TuGo travel insurance automatically extends your coverage in specific situations, such as those listed below:
- Your return is delayed because of a common carrier, such as an airline, train, or bus delay
- You or your travelling companion is hospitalized or medically unfit to travel, and you are unable to return home as originally planned
- You make one unexpected temporary visit to your home province during a single-trip policy. Your coverage remains in effect for the rest of your trip, although no coverage is provided while you are in your home province
How does TuGo compare to other travel insurance providers?
TuGo stands out for its customizable travel insurance plans, allowing travellers to enhance their coverage with optional add-ons such as Sports & Activities, Rental Car Protection, Baggage Insurance, and the Reduced Stability Rider for eligible pre-existing medical conditions.
Unlike many insurers that offer fixed deductibles, TuGo lets you choose from multiple deductible options, helping you balance your premium and out-of-pocket costs. To see how TuGo compares with other leading insurers, explore our guide to the best travel insurance companies in Canada.
Our advisor’s take on TuGo travel insurance
Our expert and licensed advisors at PolicyAdvisor help travellers compare travel insurance plans based on their destination, trip duration, medical history, and budget. One of our advisors recently assisted a 38-year-old Canadian planning a two-week adventure trip to New Zealand who wanted emergency medical coverage along with protection for adventure activities.
Client profile:
- Age: 38 years old, Canadian resident
- Trip duration and type: Two-week adventure vacation to New Zealand
- Primary concern: Emergency medical coverage with protection for adventure activities
- Our comparison: After comparing travel insurance plans from multiple providers, we recommended TuGo Emergency Medical Insurance with the Sports & Activities Rider. While Allianz offers higher emergency medical limits of up to $10 million, TuGo is one of the very few insurers in Canada that provides optional coverage for many adventure sports at affordable premiums
Why we recommended TuGo:
- Customization through riders: Optional riders such as Reduced Stability, Rental Car Protection, and Baggage Insurance allow travellers to tailor coverage based on their itinerary and risk profile.
- Coverage for pre-existing conditions: TuGo, in addition to providing coverage for stable pre-existing medical conditions, also offers a Reduced Stability Rider. This makes it a strong option for travellers whose pre-existing medical conditions may not meet the standard stability requirements
- Flexible deductible options: With the Emergency Medical Plan, TuGo lets you choose from $0 to $100,000 deductibles. Selecting a higher deductible can help lower your premium, giving you more control over the cost of your coverage
If you are unsure whether TuGo, Allianz, or another travel insurance provider is right for your trip, speak with a licensed PolicyAdvisor expert. We will compare plans from Canada’s leading insurers to help you find the right balance of coverage, flexibility, and price. Schedule a call now!
Call 1-888-601-9980 to speak to our licensed advisors right away, or book some time with them below.
Frequently Asked Questions
Does TuGo travel insurance cover pre-existing medical conditions?
Yes, TuGo covers eligible stable pre-existing medical conditions, provided you meet the applicable stability period before your policy’s effective date. Travellers 59 and under must have a stable condition for 7 days (for trips of 35 days or less) or 90 days (for trips over 35 days). Those aged 60 to 74 require 180 days of stability, while travellers 75 and older need 365 days.
Does TuGo travel insurance cover adventure sports?
Yes, TuGo offers an optional Sports & Activities Rider that extends coverage for many recreational and adventure activities that are not included under the standard policy.
Can I customize my TuGo travel insurance policy?
Yes, TuGo allows you to customize your policy with optional add-ons, including Baggage Insurance, Rental Car Protection, Sports & Activities coverage, and a Reduced Stability Rider. You can also choose from multiple deductible options to customize your TuGo travel medical insurance.
What is the maximum emergency medical coverage offered by TuGo?
TuGo’s Emergency Medical Insurance provides up to $5 million in emergency medical coverage for eligible travellers. The Canadian Student Plan offers up to $2 million in emergency medical coverage.
Does TuGo travel insurance automatically extend my coverage?
Yes, TuGo travel insurance may be extended automatically. The insurer lets you extend your policy if you are medically unfit to travel, you or your travelling companion is hospitalized, or your return is delayed by a common carrier, subject to the policy terms and conditions.
TuGo travel insurance offers customizable protection through Emergency Medical, Trip Cancellation & Trip Interruption, Student, and All Inclusive Holiday Package plans. Coverage includes medical emergencies, trip disruptions, baggage, optional riders, claims, refunds, and flexible deductible options. It provides up to $5 million in emergency medical coverage, while trip cancellation and interruption coverage is available up to the sum insured.
