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- TuGo visitor insurance plan covers emergency medical expenses up to $500,000
- It offers an optional rider that reduces the pre-existing condition stability period to just 7 days for eligible applicants
- TuGo visitor insurance plan offers flexible deductibles from $0 to $10,000 that help reduce premiums
- This visitor insurance plan is suitable for visitors, international students, temporary workers, and newcomers waiting for provincial health coverage
- The cost of TuGo visitor to Canada insurance ranges from $87.90 to $435.24; the exact cost can, however, vary on factors such as age, health status, pre-existing conditions, and gender
TuGo offers emergency medical coverage of up to $500K for visitors, Super Visa holders, and other new immigrants waiting for provincial coverage, and returning Canadians who are not yet eligible for government health insurance. The insurer is known for its short 7-day stability period (available as an optional rider), which is otherwise 90-180 days for most other insurers offering visitor insurance in Canada. TuGo travel insurance for visitors to Canada ranges from $87.90 to $435.24 for $100,000 in coverage for a 30-day visit to Canada.
Quick review: TuGo visitors to Canada insurance
- PolicyAdvisor ratings: 5/5
- Best for: Visitors with unstable pre-existing conditions and those who require optional coverage for trip interruption and adventure sports
- Skip if: You need more than $500,000 in emergency medical coverage
What is TuGo visitor insurance?
TuGo visitors to Canada insurance is short‑term emergency medical protection for non‑residents while they are in Canada. It helps pay for urgent hospital and doctor care, emergency transport, and prescribed medicines from a covered emergency. Claims related to TuGo’s visitor insurance policies are administered by OneWorld Assist Inc.
The features of the TuGo visitor insurance policy are as follows:
| Category | Details |
| Ideal for | Visitors and temporary residents, especially those with eligible pre-existing medical conditions |
| Maximum coverage | Basic: Up to $300K Comprehensive: Up to $500K |
| Plans options | Basic and Comprehensive |
| Age eligibility | Basic: up to 79 years Comprehensive: No age limit |
| Deductible options | $0 (automatic) / $150 / $500 / $1,000 / $2,500 / $5,000 / $10,000 |
| Waiting period |
|
| Stability period |
|
| Maximum coverage duration | Cannot exceed 2 years from the original policy effective date |
| Pre-existing conditions covered | Yes, for eligible stable pre-existing medical conditions. Unstable Pre-existing Medical Condition Coverage (rider) is available for eligible applicants aged 79 and under |
Who is eligible for TuGo visitor insurance coverage?
To be eligible for getting TuGo visitor medical insurance to Canada, here are the prerequisites:
- A foreign worker, an international student studying in Canada, or a visitor to Canada with a valid legal status in Canada
- An immigrant awaiting provincial or territorial government health care coverage
- Be no older than 79 years of age for the basic plan
- There is no age limit for the comprehensive plan
- Not travelling against the advice of a physician or other registered medical practitioner
Who is not eligible for TuGo visitor insurance?
You will not be eligible for visitor insurance coverage if you have any of the following medical issues:
- Terminal condition
- Chronic Obstructive Pulmonary Disease (COPD), including emphysema, requiring home oxygen
- Pancreatic cancer, liver cancer, or any type of cancer that has metastasized or requires a bone marrow transplant
- Kidney disease requiring dialysis
- Had, or are waiting for an organ transplant
- Diagnosed with congestive heart failure
What does TuGo visitor insurance plan cover?
Choose Basic or Comprehensive plan based on your budget and coverage needs. In the table below, we have detailed what the TuGo visitor insurance plan covers:
| Benefit | Basic | Comprehensive |
| Emergency hospitalization | Covered up to sum insured ($10K-$300K) | Covered up to $500K |
| Prescription drugs | Up to a 30-day supply OR $100 per emergency, whichever comes first | Up to a 30-day supply per emergency |
| Emergency dental | Not covered | Coverage up to $6,000 for any injury and up to $600 for pain not related to any injury |
| Diagnostic service | Covered when performed during the initial emergency or within 7 days | Covered when performed during the initial emergency or within 7 days |
| Pre-existing conditions | Any pre-existing medical condition is excluded | Covered if stable for the required age-based period; optional unstable pre-existing condition coverage available for eligible applicants under 79 years of age |
| Accidental death and dismemberment | Not covered | Included: Up to $25,000 (24-hour AD&D);
Optional: Up to $100,000 (Air Flight/Common Carrier AD&D) |
| Hospital allowance | Not covered | Up to $100/day for incidental hospital charges |
| Transportation to the bedside | Not covered | One round-trip economy airfare or ground transportation for one family member (pre-approved) |
| Meals and accommodation | Not covered | Covered under Family Transportation and Out-of-Pocket Expenses (limits apply) |
| Side-trip coverage | Not covered | Covered, but the majority of the coverage period must be spent in Canada; no coverage in the country of permanent residence |
TuGo’s Trip Cancellation & Trip Interruption Insurance
TuGo offers non-medical travel protection through its Trip Cancellation & Trip Interruption Insurance. It helps protect the non-refundable costs of your trip if you have to cancel before departure or cut your trip short due to a covered event.
Unlike most visitor insurance providers in Canada, TuGo is one of the few insurers that offers Trip Cancellation & Trip Interruption coverage as an optional rider alongside its Visitors to Canada insurance, making it a good choice for travellers seeking broader financial protection beyond emergency medical expenses.
Travellers have the flexibility to choose the level of protection between the two available options:
- Trip Interruption Insurance only: Covers unexpected interruptions after your trip has already begun
- Trip Cancellation & Trip Interruption Insurance: Provides comprehensive protection by covering both trip cancellations before departure and trip interruptions after your journey has started.
The key coverage included under these non-medical options is as follows:
- Reimbursement of eligible non-refundable prepaid travel expenses if you cancel your trip before departure
- Coverage if your trip is interrupted, delayed, or cut short due to a covered event
- Protection for cancellations or interruptions caused by unexpected illness, injury, or death affecting you, your travelling companion, or eligible family members
- Coverage for unexpected medical emergencies, quarantine, and mandatory self-isolation
- Travel interruptions due to government advisories, cancelled flights, schedule changes, and tour cancellations
- Protection against natural disasters, travel visa denial, job loss or transfer, and certain pregnancy-related events
Cancel for Any Reason (CFAR) rider
Cancel for Any Reason (CFAR) is an optional rider available with TuGo’s Trip Cancellation & Trip Interruption Insurance. It gives travellers greater flexibility by allowing them to cancel their trip for reasons that are not covered under the standard policy.
To qualify, the add-on must be purchased within five days of booking your trip and making the initial payment, or before any cancellation penalties from your travel supplier apply, whichever comes first. If you cancel at least five days before your scheduled departure date, TuGo will reimburse up to 50% of your prepaid, unused, non-refundable travel expenses.
Does TuGo visitor insurance cover pre-existing medical conditions?
Yes, TuGo’s Visitors to Canada Emergency Medical Insurance can cover eligible pre-existing medical conditions, provided they have remained stable for a specified period before the policy’s effective date. The required stability period depends on the applicant’s age. If a pre-existing medical condition does not meet the applicable stability requirement, any claim related to that condition will not be covered.
Here’s how the stability period will vary based on the age:
| Age at policy application | Required stability period |
| 59 years and under | 90 days |
| 60 to 69 years | 120 days |
| 70 to 85 years | 180 days |
| 86 years and over | 365 days |
Please note that those aged 79 and under may be able to purchase Optional Unstable Pre-existing Medical Condition Coverage. This optional coverage provides coverage for certain conditions that do not meet the standard stability requirements and reduces the stability period to 7 days.
Pros and cons of TuGo Visitor to Canada insurance
| Pros | Cons |
| Comprehensive plan covers eligible pre-existing medical conditions, with an optional rider that reduces the stability period to 7 days for applicants aged 79 and under | Some high-risk medical conditions, such as terminal illness, dialysis-dependent kidney disease, and metastatic cancer, will not be covered |
| Flexible deductible options ranging from $0 to $10,000 can help reduce premiums | Applicants 80 years and older are not eligible for coverage under the basic plan |
| Comprehensive plan includes benefits such as emergency dental care, accidental death and dismemberment (optional), and side-trip coverage |
How much does visitor health insurance by TuGo cost?
The cost of TuGo visitor health insurance ranges between $87.90 to $435.24. The exact cost of visitor health insurance is, however, dependent on factors like age, health status, pre-existing conditions, and a few others.
TuGo visitor insurance costs (2026)
| Age | Basic | Comprehensive |
| 25 years | $ 87.90 | $ 107.73 |
| 35 years | $ 102.00 | $ 125.28 |
| 45 years | $ 130.20 | $ 159.84 |
| 55 years | $ 140.10 | $ 171.99 |
| 65 years | $ 176.70 | $ 245.43 |
| 75 years | $ 313.20 | $435.24 |
*These costs reflect $100,000 in coverage for a visitor travelling to Canada for 30 days. Please note that the actual costs may vary.
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Are there any exclusions or limitations to TuGo visitor health insurance?
The TuGo visitor insurance plan does not provide coverage for all conditions. Here’s what will not be covered in its visitor insurance plan:
| Exclusion category | Details |
| Unstable pre-existing conditions | Medical conditions that do not meet the required stability period |
| Terminal or palliative illness | Travel after a terminal diagnosis or while receiving palliative care |
| Mental health conditions | Mental health claims, unless hospitalization is medically necessary |
| Waiting period illnesses | Illnesses or symptoms that begin during the policy waiting period |
| Follow-up or ongoing treatment | Continued treatment after the emergency has been resolved |
| Refusal of medical transfer | Declining a recommended medical transfer or a return home for treatment |
| Government travel advisories | Claims related to travel advisories issued before arrival in Canada or beyond the policy’s limited coverage period after an advisory is issued |
| Treatment in the home country | Medical expenses received in your country of permanent residence |
| Personal medical items | Loss or damage to glasses, dentures, hearing aids, or prosthetics |
| Medical condition due to withdrawal symptoms | Any medical condition, including symptoms of withdrawal, arising from or in any way related to your chronic use of alcohol, drugs, or other intoxicants |
| High-risk sports | Adventure and high-risk sports are excluded unless optional sports coverage is purchased |
How to file a claim with TuGo visitor insurance?
To file an emergency medical claim under your TuGo Visitors to Canada Insurance policy:
- Seek emergency medical treatment from a licensed hospital or healthcare provider
- Notify TuGo or its claim assistance provider (OneWorld Assist Inc.) as soon as possible after the emergency
- Complete and sign the Emergency Medical Claim Form in full. Incomplete forms may result in claim denial.
- Collect all supporting documents, including itemized hospital and physician bills. diagnosis and treatment details, official pharmacy receipts (if applicable), or any other documents requested by TuGo
- Submit your claim online or send the completed claim form and supporting documents to TuGo Claims
- Keep original itemized receipts, as reimbursement is only available for eligible, documented expenses
- Wait for claim assessment and reimbursement, which will be processed once all required documents have been reviewed and approved
Can you cancel or get a refund on TuGo visitor insurance?
Yes, TuGo visitor insurance allows policy cancellations and refunds under certain conditions. Your refund amount depends on whether your policy has started, whether you have travelled, made a claim, and the reason for cancellation.
Here is a table illustrating the refunds based on different situations:
| Situation | Refund |
| Cancel before coverage starts | Full refund if the cancellation request is received before the policy’s effective date |
| Cancel within 10 days (no travel) | Full refund if no travel has taken place and the request is made within 10 days of the application date |
| Cancel after 10 days (no travel) | Refund available less an administration fee. Request must be received within 90 days after policy expiry |
| Return home before policy expiry | Partial refund of unused premium, less an administration fee. Proof of return may be required |
| Become eligible for provincial health coverage | Partial refund of unused premium from the eligibility date, less an administration fee |
| If a claim has been submitted | No refund is available if a claim has been or will be submitted |
How does TuGo compare to other visitor insurance options?
In the table below, we will take you through how TuGo compares to other visitor insurance options in Canada:
| Insurer | Optional rider for adventure sports | Maximum coverage | Maximum deductible |
| TuGo | Available | $500,000 | $10,000 |
| Manulife | No | $200,000 | $10,000 |
| Secure Travel | No | $100,000 | $3,000 |
| Destination Canada | No | $300,000 | $10,000 |
| 21st Century | No | $200,000 | $10,000 |
For a comprehensive review and comparison, read our blog on best medical insurance for visitors to Canada (2026).
Our advisor’s take on TuGo visitor health insurance
At PolicyAdvisor, our licensed advisors compare visitor insurance plans based on a traveller’s age, health history, travel duration, and budget. Recently, one of our advisors helped a 64-year-old visitor from India, travelling to Canada for three months, who wanted emergency medical coverage that would also protect their stable pre-existing medical condition.
The client profile
- Age: 64 years
- Trip duration: 90 days
- Coverage required: $100,000
- Primary concern: Emergency medical coverage for a pre-existing medical condition with flexible eligibility requirements
The market comparison
After comparing several visitor insurance plans available in Canada, we recommended TuGo Visitor Insurance. While many visitor insurance plans require pre-existing medical conditions to remain stable for 90 to 180 days, TuGo offers Optional Unstable Pre-existing Medical Condition Coverage for eligible applicants aged 79 and under. This optional coverage reduces the required stability period to just 7 days, making it a strong choice for travellers whose medical condition has had a recent but minor change.
Expert TuGo insurance review
Besides its flexible approach to pre-existing conditions, TuGo offers emergency medical coverage of up to $500,000, multiple deductible options ranging from $0 to $10,000, and convenient payment options. The Comprehensive plan also includes benefits such as emergency dental treatment, accidental death and dismemberment coverage, and side-trip coverage outside Canada.
If you are still wondering whether TuGo’s visitor medical insurance is the right choice for you, let PolicyAdvisor guide you. Our expert advisors can help you understand the benefits and limitations of TuGo’s plans. Get started today to make an informed decision and secure the best visitor insurance policy that fits your travel plans perfectly.
Frequently asked questions
Is TuGo visitor insurance good for visitors to Canada?
Yes, TuGo Visitor Insurance is a good option for visitors, international students, temporary foreign workers, returning Canadians, and newcomers waiting for provincial health insurance. It offers emergency medical coverage with flexible deductible options and optional coverage for eligible pre-existing medical conditions.
Does TuGo visitor insurance cover pre-existing medical conditions?
Yes, TuGo’s Comprehensive Visitors to Canada plan covers eligible pre-existing medical conditions if they meet the applicable stability requirements. Those aged 79 and under can also purchase Optional Unstable Pre-existing Medical Condition Coverage, which reduces the stability period to 7 days for eligible conditions.
Can I cancel my TuGo visitor insurance policy and get a refund?
Yes, TuGo allows policy cancellations and refunds under certain conditions. A full refund is available if you cancel before the policy’s effective date. Partial refunds may also be available after coverage begins if no claim has been submitted, subject to administration fees and eligibility requirements.
What is not covered under TuGo visitor insurance?
TuGo does not cover claims related to unstable pre-existing medical conditions that do not meet the required stability period, travel against medical advice, pending medical treatments, substance abuse-related conditions, high-risk sports (unless optional coverage is purchased), or medical expenses incurred after a claim becomes ineligible under the policy terms.
What deductible options are available with TuGo Visitor Insurance?
TuGo offers several deductible options, including $0, $150, $500, $1,000, $2,500, $5,000, and $10,000. Choosing a higher deductible can lower your insurance premium, but increases your out-of-pocket costs if you make a claim.
TuGo Visitor Insurance offers emergency medical coverage of up to $500,000 for visitors to Canada, with flexible deductible options and optional coverage for eligible pre-existing medical conditions. It stands out for its optional 7-day stability period, making it a strong choice for visitors with existing health concerns.
