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24/7 Medical Emergency Assistance

From Canada and USA (toll-free): 1-800-663-0399
From Mexico (toll-free): 001-800-514-9976 or 800-681-8070

(global toll-free):

Global toll-free calling instructions and country codes

Worldwide: +1-604-278-4108

Claim-related

Insurance-related.

Claims FAQs

Whether it’s a question about our claim process, when and how to submit a claim, or what to do with claim forms, you’ve come to the right place. Below, Claims at TuGo answers the most common questions we receive.

Have questions about your travel insurance policy? Visit our Travel Insurance FAQs page.

General Claims

Covid-19: claims, tugo telemedicine service.

If you’re claiming for medical expenses, medical providers always have the option to send the bill(s) directly to Claims at TuGo®, but they may have their own protocols that could require you to pay upfront. If that’s the case, be sure to keep all the itemized bills and receipts so that you can send them to us, along with your completed claim form.

For any other type of expenses that require immediate payment (such as hotels, flights, meals, taxis, etc.), you need to pay for these upfront and submit the itemized bills and receipts to Claims at TuGo.

Please keep in mind that if you need to reschedule or book a new flight, Claims at TuGo is not able to do so on your behalf. Airlines have privacy policies in place that require you to contact them directly to make the necessary flight arrangements.

Claims at TuGo’s offices are closed to the public. To start claim as quickly as possible, please submit a claim online with myTuGo. Detailed instructions on how to use myTuGo, along with tips to help process your claim quickly are available here .

Since every claim is different, we work with a number of different providers to resolve your claim. The more parties involved, the longer it could take. However, know that we’re committed to processing your claim as quickly as possible!

On your behalf, we’ll coordinate with:

Your attending physician (when the emergency happened)
Your family doctor (at home)
Other providers (i.e., chiropractors, dentists, etc.)
Travel/transportation providers
Your car insurance provider

Great question! Here are some tips to help expedite the process:

We recommend submitting your signed claim forms online within 60 days from the day you were treated.
Make sure you provide all itemized bills and receipts including: • Your full name • Date(s) of service • Amount charged • Type of service/diagnosis • Prescriptions with the itemized pharmacy-issued prescription receipt, not the till or credit card receipt
Make sure you’ve signed all required documents

No one likes paperwork… but we need some important details in order to get your claim processed. But we’ll help get you the necessary forms, so you don’t have to track it all down yourself.

On your behalf, we coordinate with a number of parties and each one has its own requirements:

The policy Underwriter requires your completed claim form to confirm the claim has been submitted. The decision to pay or decline your claim will be based in part on this information.
Provincial Healthcare plans require certain forms to be completed and returned to them. Completing and returning these forms helps expedite the process.
Other Insurers (employment/retirement/other healthcare plans, credit card companies, etc.) require an Assignment of Payment. By coordinating with these insurers to whom a premium may already have been paid, we ensure your travel insurance premiums remain low.

Yes. Each form must be completed in full, regardless of the amount of your claim. Incomplete information may result in a delay.

Yes. Once you’ve completed and signed your forms, log into myTuGo, and upload your signed claim forms along with itemized bills, itemized receipts, and other required documents under the Claims section > Upload documents. Make sure to keep a copy for your own records.

Also be prepared to provide:

Provincial and extended health information
Credit card information for expenses paid by credit card
Airline documentation (for Trip Cancellation & Trip Interruption policies)

Note : we can’t start your claim without fully completed and signed claim forms, so it’s important that you upload these documents as soon as possible. If original receipts are required, we’ll let you know.

Don't worry; we’ll translate them for you! All you have to do is provide all the documents/receipts you have. However, if you wish to translate them before sending them in, feel free to do so.

While you have up to one year from the day of treatment/loss, we suggest that forms be submitted within 60 days. Provincial healthcare plans have tight deadlines for submitting claims. Since we coordinate with these plans on your behalf, if we don’t receive your forms within 60 days of the treatment/loss, your reimbursement could be impacted.
You have up to one year after the treatment/loss date to submit all your forms and other paperwork to us. After that, your claim is permanently closed.

Many US medical providers send automatic statements every 30 days to you, without informing us. If you receive any additional bills/statements showing an outstanding balance, upload these additional bills to myTuGo, and we’ll help resolve this issue on your behalf.

If you’re making the claim, you’ll need to sign this section.
For minors, the legal guardian must sign this section.
If you’re signing on behalf of the traveller, you'll need to include a copy of the Power of Attorney, to show you’re legally authorized to do so.
This Authority is needed to request your medical information in order to fairly and accurately evaluate your claim.
To coordinate with provincial healthcare plans, the Ministry also requires this Authority.
If this section isn’t signed, it will delay the processing of your claim.
In order to keep travel insurance premiums as low as possible, it’s necessary to share the cost of your claim with other insurers to which a premium has already been paid.
Employers often provide extended health benefits to employees and these benefits often continue into retirement. Since travel insurance supplements your other insurance coverages, you’ll need to share this information with us to process your claim.
If you (or your spouse) don’t have extended healthcare, or benefits available through another travel insurance plan, travel supplier or credit card, you must sign to acknowledge this.

You’ll need to complete it, if you have other insurance through a group benefits plan, credit card, etc. However, if your spouse is the primary policyholder, he/she will need to sign it.

If you’re a BC resident, and were hospitalized overnight outside the province, MSP requires this additional form. You’ll only need to complete Section A , and we’ll complete the rest for you.

You have the right to dispute you claim denial. For more information on the Complaint process, click here .

Travelling outside of Canada:

TuGo’s COVID-19 benefit is available to you if, before your departure date, you’re compliant with the most current Canadian federal Government COVID-19 vaccine requirements for entry and/or return to Canada.

Since there isn’t currentlyfederal Government COVID-19 vaccine requirements for entry and/or return to Canada, TuGo’s COVID-19 coverage is provided regardless of vaccination status. If the federal Government of Canada reinstates vaccine requirements for entry/return to Canada while you are away on your trip, we will still provide coverage under the COVID-19 benefit if there was no vaccine requirement prior to departing on your trip.

If the federal Government of Canada reinstates vaccine requirements for entry/return to Canada in the future, we will only provide coverage under the COVID-19 benefit if you meet these new requirements before your date of departure.

Travelling within Canada:

COVID-19 coverage is available regardless of vaccination status.

TuGo’s Trip Cancellation & Trip Interruption Insurance does not provide coverage if you have to cancel due to COVID-19 travel advisories, border closures, or because you don’t want to travel due to high case levels. However, TuGo’s Trip Cancellation & Trip Interruption Insurance will provide coverage if you must cancel or interrupt your trip due to your medical condition related to COVID-19 (or the medical condition of those listed in the applicable covered risks).

If you test positive for COVID-19 and are unable to return home as planned, coverage for quarantine expenses is available as follows:

If you purchased the COVID-19 Insurance – Unvaccinated plan before December 22, 2021, the quarantine benefit provides coverage up to $150/day per insured person (or up to $300/day per family) to a maximum of 14 days for meals and lodging in a commercial accommodation or medical facility.
If you purchased a policy with a trip interruption coverage, the out-of-pocket expenses benefit provides coverage up to $350/day per insured person to a maximum of $1,500 per insured person for reasonable expenses for commercial accommodation, meals, internet, telephone and taxi fares.

It doesn’t matter if the test was taken as a result of symptoms or because it was mandated. To substantiate the claim, proof of the positive COVID-19 test result is required. The proof of test result must include the laboratory or medical clinic name, the date of the result and the name of the person tested.

Quarantine expenses such as meals or accommodations are not covered under the Emergency Medical plan.

If you purchased the COVID-19 Insurance – Unvaccinated plan before December 22, 2021, you’re covered up to $150/day per insured person (or up to $300/day per family) to a maximum of 14 days for meals and lodging, if you have been contact traced for COVID-19 and are unable to return home as planned.

Coverage is not provided under the Trip Interruption insurance plan if you've been contact traced for COVID-19 at your travel destination.

Note : To substantiate the claim, proof that you were advised to quarantine or isolate due to contact tracing is required.

You can start a claim online with myTuGo .

Be sure to include proof of the positive COVID-19 test result (which must indicate the name of the laboratory or medical clinic, the date of the test result and name of the person tested) as well as all itemized bills/receipts for the quarantine expenses.

Most travel-related companies are offering to reschedule flights, provide future credits or refunds.

Coverage is only available for non-refundable, prepaid expenses or change fees. If your expenses are eligible for a future travel credit, we won’t reimburse this portion, however, we will reimburse any amount over and above the amount of the future travel credit.

My cruise was cancelled, and the cruise line issued me a future cruise credit. Can I claim? No, TuGo does not provide reimbursements if a future credit is accepted.
I booked my flight on points and I have to pay a change fee to reschedule my flight. Can I claim for the change fee? Yes, the change fee is covered.

The  US Dept of Transportation  requires that all US and foreign airlines with flights travelling to, within or from the US provide a refund to travellers when the airline cancels the flight.

For example, if you have a flight to New York with Air Canada, and the airline cancels the flight, you’re entitled to a full refund on their airfare.

These expenses aren’t covered under our policy since they are refundable by the airline. TuGo’s Trip Cancellation & Interruption Insurance covers non-refundable pre-paid travel costs.

Since you’re entitled to refunds when these flights are cancelled by the airlines, you must contact the airline directly.
Unfortunately, not all airlines are following these obligations, so you may have to escalate a complaint with your carrier.

The  European Commission  requires that any airline with flights travelling within or scheduled to leave Europe to provide a refund to travellers when the airline cancels the flight. For cancelled flights into Europe, refunds are available for all European airlines. This applies to EU member countries and the non-EU members that are part of the Schengen zone (Switzerland, Liechtenstein, Norway and Iceland).

For example, if you have a flight from Montreal to Paris with Air France, and the airline cancels the flight, you’re entitled to a refund on your airfare. But if you had booked the flight with Air Canada and that flight was cancelled, Air Canada is not required to issue a refund under the EU’s Air Passenger Rights, although they might choose to do so. If the airline does not issue a refund, you may then claim for the non-refundable expenses.

Most of these expenses aren’t covered under our policy since they are refundable by the airline. TuGo’s Trip Cancellation & Interruption Insurance covers non-refundable pre-paid travel costs.

If you aren’t feeling well and would like to seek medical advice, but don’t think a clinic or hospital visit is necessary, you can access our telemedicine service instead , 24/7. Simply call toll-free 1-866-419-9038 and within 1 hour, you’ll be connected with an experienced,certified physician.

No, using our telemedicine service doesn’t require you to file a claim afterwards, as long as no other in-person treatment is necessary. And as an added perk, if you have a deductible on your travel insurance policy, it won’t apply to the call or any resulting prescription expenses.

If you are prescribed a prescription, you’ll need to pay the pharmacy at the time of purchase. Official prescription pharmacy receipts are required; this must include doctor’s name, medication name and dosage. You’ll be reimbursed by Claims at TuGo. To receive your reimbursement, email receipt(s) to [email protected] or fax to 604-276-4593, including your TuGo policy number.You won’t need to submit a claim form , as long as no other, in-person treatment is necessary. Remember, prescriptions and tests are only covered for medical emergencies.

If you receive a lab or imaging requisition, lab work or diagnostic tests need to be done within 1 business day of the online visit, to be covered. You’ll need to complete a Claims at TuGo claim form by downloading it from tugo.com/en/claims/how-to-make-claim/ , emailing [email protected] or calling 1-800-663-0399. Remember, lab work and tests are only covered for medical emergencies.

Still have questions? Feel free to contact us !

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Get peace of mind with the right travel insurance.

You might not want to think about the things that could go wrong while you’re on your trip, but if something should happen, you don’t want to be without travel insurance.

Travel Insurance for All of Life’s Adventures

Pack travel insurance and relax — you’re covered for unexpected medical emergencies and more..

No trip’s ever the same—that’s just one of the things we love about travel! But with each trip, emergencies, interruptions, and lost luggage are possible. We’ve got you—explore your coverage options below.

Types of Travel Insurance

What our customers have to say.

If it weren’t for TuGo, my wife and I would have had to pay over $1,000 USD in an Oahu hospital — just for a few liquid stitches after a minor surfing accident. Luckily, TuGo handled everything and we never had to pay a dime out of pocket.

Yuzo N. | British Columbia

Both of the agents I spoke with were kind and reassuring. We've had TuGo insurance for several years now. I've compared prices and TuGo remains the best. Now that we've had to use the insurance for an emergency, we're even more convinced — thank you.

Debra C. | Alberta

Optional sports coverage allows me to travel with confidence, knowing that I’m covered while doing the things I love most.

Amanda B. | British Columbia

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24/7 emergency medical assistance on your side

If an accident happen s on your trip, our multilingual emergency medical team is available to you and your loved ones 24/7. Unlike other brands, we never contract out our services.

We cover high-risk sports that most other insurers won’t

Our Emergency Medical plan covers activities like skiing and surfing; you can even add coverage for backcountry skiing, skydiving, and other extreme sports and activities.

Coverage that meets your individual needs

Customize your travel insurance to suit your needs. Choose your deductible, trip length, and add-ons to personalize your coverage. We’ll make sure you get the best protection for your unique travel experience.

We help you, however we can

We take care of you. Whether that means getting you the best hospital care, flying a loved one to your bedside, or in extreme cases, bringing you back to Canada by air ambulance–helping you is what we do best.

All Inclusive Holiday Package

Provides comprehensive coverage in an affordable bundle, for travellers 59 or younger. Coverage includes:

Emergency Medical Insurance
Trip Cancellation & Trip Interruption Insurance
Baggage Insurance

Emergency Medical Insurance

Provides emergency medical support
E nsu res you aren’t left paying out-of-pocket for expensive medical procedures while outside your home province
Personalize your policy with add-ons, including Optional Sports & Activities Coverage for extreme sports and activities

Emergency Medical Travel Insurance

Supplements your provincial health plan coverage in case of unexpected injury or illness. Ensures you aren’t left paying out-of-pocket for expensive medical procedures while outside your home province.
Personalize your policy with add-ons, including Optional Sports Coverages for contact, adventure and extreme sports.

Non-Medical Travel Insurance

Trip Cancellation & Trip Interruption

Reimburses non-refundable prepaid costs if your travel plans are cancelled before departure, or they’re disrupted after your trip begins

Baggage & Rental Car Protection

Baggage Insurance reimburses you if your bags get lost, damaged, or stolen, while Rental Car Protection covers you for rental car damage

You may think you’re covered, but you’re probably not.

Most of us think our credit cards, employee group benefits or provincial health care plans will cover us for medical emergencies while we travel, but they won’t cover everything .

Your provincial health care plan won’t cut it

When you travel outside of Canada, your provincial health care plan covers less than 10% of your travel medical expenses – a one-night stay in a US hospital on average costs over $15,000.

Medical treatment in other countries is expensive

Medical bills, especially from the US, add up quickly. W ithout the right coverage, you could find yourself responsible for paying thousands of dollars—not how you were hoping to end your vacation.

Types of Travel Insurance

Travel Insurance

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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.

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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

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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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HelloSafe » Travel Insurance » TuGo

Is TuGo Travel Insurance right for you? Review 2024

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

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

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

TuGo travel insurance: 5 Key Takeaways

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

Our review of TuGo travel insurance Canada

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

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

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

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

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

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

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

Types of TuGo travel insurance

Tugo travel insurance for seniors.

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

TuGo student travel insurance

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

TuGo travel insurance for Canadian citizens

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

TuGo travel insurance for visitors

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

TuGo travel insurance coverage: What does it cover?

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

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

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

TuGo medical questionnaire for travellers over 60

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

What is TuGo MyFlyt Service?

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

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

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

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

Compare the best travel insurance plans on the market!

What is not covered by TuGo travel insurance?

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

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

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

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

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

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

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

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

How much does TuGo travel insurance cost?

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

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

How to file a claim with TuGo travel insurance?

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

Making emergency medical claims

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

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

Making trip cancellation/interruption claims

Keep the following documents handy for submission:

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

Making baggage insurance claims

Get the following documents ready for submission:

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

How to contact TuGo travel insurance?

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

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

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

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Sunny has over six years of experience curating engaging content spanning across industries. Specifically in finance, his expertise is insurance reviews and lending and investment topics.

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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

TRAVEL INSURANCE CLAIMS

The information provided below applies to policy numbers starting with TMI or TSI. If your policy number starts with TIA or TIS, please click here .

Making a claim

There are a number of options for making claim through BCAA’s travel insurance provider TuGo:

Make a claim online
Or make a claim over the phone:
For Canada & US: 1.877.293.BCAA (2222)
For Mexico: 800.062.7930 or 800.681.8070
For outside North America & Mexico (Global toll-free number*): 800.212.12120
Worldwide (collect**): 604.304.2727

Review your coverage

Details of your BCAA Travel Insurance policy can be found in your policy wording at bcaa.com/wordings .

How do I find out what I’m covered for? Arrow Icon

Please review your declaration page to determine which coverages you chose when you purchased your policy. Details of each of your chosen coverages can be found in your policy wording which can be accessed at bcaa.com/wordings .

Once I submit a claim, when will I hear back from someone? Arrow Icon

Once you have submitted a claim, you should hear from a Claims at TuGo representative within three business days. You may be required to provide more information before a claim decision can be reached.

How long will my claim take to process? Arrow Icon

The time it will take to process your claim depends on a few factors. For example, we might need follow up information from you or your medical provider(s). Most claims decisions are made within 30-days of receiving fully-completed claims forms. Claims at TuGo will work hard to resolve your claim as quickly as possible and keep you informed throughout the process.

How do I check the status of my claim? Arrow Icon

You can check the status of your claim by calling Claims at TuGo. Please see “Making a Claim” above for contact information.

Do I need to call for pre-approval for my medical treatment? Arrow Icon

You do not need to get pre-approval from Claims at TuGo for most covered medical benefits. Some benefits, listed below, require pre-approval – please ensure to read your policy for details.

Medical Benefits that Require Pre-approval from Claims at TuGo:

Please read your policy wording for more details about these benefits:

8. Emergency Air Transportation 9. Airfare to Return Home for Treatment 10. Medical Attendant 12. Return of Excess Baggage 13. Return of Travelling Companion 14. Return of Children/Grandchildren 17. Family Transportation 20. Remote Evacuation 21. Return of Vehicle 23. Domestic Services in Canada 24. Medical Follow-Up in Canada

Can I choose my medical provider, or do I have to go to a specific one? Arrow Icon

We encourage you to get in touch with Claims at TuGo before deciding on a medical provider. Experienced staff can help connect you with the appropriate care for your situation. However, we understand that emergencies can happen very quickly and that you may not always be able to contact Claims at TuGo before choosing a medical provider. You are always free to get care from any medical provider you like.

Do I have to pay for my medical treatment upfront? Arrow Icon

Claims at TuGo will pay your medical provider directly whenever possible, so you’re not out of pocket for your medical expenses.

I’m trying to use the global toll-free number. What are the International Access Codes? Arrow Icon

To use the global toll-free service when you are travelling outside North America and Mexico, you must first dial the international access code from the list below to reach Canada, then enter our 11-digit toll-free number 800.212.12120 . Please note that service is not available in all countries. If the country you are calling from is not in this list, please call us at 604.304.2727 directly and we’ll reimburse the call, or call us collect.

International Access Codes

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1-888-268-2222 in BC

1-800-222-4357 in North America

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Please Note: If you need a tow and also need a ride with one of our drivers, space is limited to one passenger. If you are experiencing any cold or flu like symptoms, we will ask you to wear a mask. Thank you for your patience and understanding.

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OPTIMAL TRAVEL

Tugo™ TRAVEL INSURANCE

Travel Insurance Made Easy to Purchase Online. Instant Approval. Receive all your documents by email. Buy Direct, Online or by Phone; You Get the Same Price! ‍

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1.888.450.4950

ask about your pre-existing condition

Tugo travel insurance | view benefits

Ensuring you get the plan that fits your needs.

Those policies defines the various types of benefits and combined available with this insurer. Once purchase, you will be provided with your insurance certificate and your Travel Insurance contract. Those documents contains clauses which may limit the amounts payable. All document will be send to you by email. IMPORTANT: Once you purchase your travel insurance coverage, always refer to the contract that will be provided by the insurer with your certificate of insurance. If any exclusions, limits or specification for you specific situation will be outline. ‍ ** Please read all documents provided carefully.

Claims & Emergency Assistance If you have a question about your claim or require medical attention, call the emergency number located on your wallet card or listed in the confirmation documents. This 24/7 emergency assistance line will connect you with a TUGO representative who can assist you with your claim or medical situation. Medical Claims: 1-800-663-0399 / 1-604-278-4103 (Collect) Email: [email protected] Address: OneWorld Assist Three West Centre 11th Floor - 6081 No. 3 Road Richmond, British Columbia V6Y 2B2

always WITHIN YOUR REACH

Speak with a licensed travel specialist to get all your options.

About / Discloser / Contact / Français / FAQ

Optimal Travel™ is changing the face of Travel Insurance! We're not an insurance company - we represent them!Our main goal is to provide you with a comprehensive understanding of insurance plans and find you coverage that best meets your needs at an affordable price. We offer many types of travel coverage, making it easy and seamless to access proper coverage online or by phone. We take pride in the service we offer, and we have faith in our products. Let our Team of Licensed Travel Insurance Specialists do the research for you. | Authorized Agents for Allianz Travel Insurance ‍ Our services extend to the following provinces/cities across Canada and more: Ontario | Newfoundland | Labrador | Nova Scotia | Prince Edward Island | New Brunswick | Alberta | British Columbia | Saskatchewan Insurance Carrier: Tour+Med | Blue Cross Travel™ | TuGo | Allianz | Manulife | GMS

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We make selling travel insurance easy.

Our new Partner Platform allows you to earn instantly by selling or referring travel insurance products online.

It's free, simple to use, and even easier to manage! Choose ready-made or custom solutions to meet your customers' needs.

Our tools let you build digital relationships with travellers.

This platform lets you customize collateral on your website and create a better customer experience by allowing your clients to purchase travel insurance directly.

If you're a developer building a website or mobile app for travellers, our APIs integrate easily, getting you up and running quickly.

Who's an ideal partner?

At TuGo, collaboration, understanding and flexibility are fundamental to the relationships we've built with our partners.

Our partners include insurance brokerages and agencies, automobile associations, airlines, travel industry-related companies, financial services and Fortune 500 companies.

Top 5 Reasons to become a TuGo partner

Earn additional income

Want to grow your business? Travel insurance is an integral part of a good cross-selling strategy; it’s a lucrative and convenient revenue source that fits easily into your portfolio!

Be your customers’ trusted advisor

The more you can provide your customers, the better!

TuGo Travel Insurance is customizable to each traveller’s individual needs. You have the opportunity to help them understand which products make their trips better. You’re not just selling a product; you’re providing peace of mind!

We’re here to help—however we can

TuGo’s team is with you every step of the way! Our Account Managers provide personalized support to take your business to the next level. They’re industry experts and offer you helpful online and in-person training. Our multilingual Customer Service team is also available to assist you and your customers with travel insurance questions and concerns.

At sales time, we make it easy for you

Using our online sales systems, you can sell a travel insurance policy in minutes. For travellers under 60, we provide a quick application process with no medical questions required. We require travellers 60+, to fill out our simple Medical Health Questionnaire to determine rate, not eligibility.

At claims time, we take care of your customers

Our in-house claims team is on-hand to deal with your customers’ claims. As an ISO 9001:2008 certified company, we adhere to quality assurance standards and work towards continuous improvements of the areas of service we provide.

Let TuGo help you build your business. Partner with us today!

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604-278-4108 Primary
1-855-929-8846 Tollfree
www.tugo.com

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If you’re looking for travel insurance, why not take TuGo along for the ride? Located in Richmond, we specialize exclusively in travel insurance and providing dedicated assistance for when your travels don’t go as planned. TuGo understands that travels aren’t always smooth sailing. No matter how much you plan, things can always happen unexpectedly. Whether your luggage is lost, you missed your flight, or you’re experiencing a health emergency, we’re here for you every step of the way. Our coverage includes Canadian residents, seniors, visitors, and students. Moreover, we offer a great selection of advanced online tools to help you travel better. You can access them from anywhere with an internet connection. For more information about our services, give us a call today. more... See more text

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Tugo travel insurance: 15 months for the price of 12!
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TUGO TRAVEL INSURANCE

VIDEO

My fifth vlog //मेरा पांचवा ब्लोग [Amit prajapati]#video #viral #trending #video
Why We Chose TuGo

COMMENTS

TuGo: Travel Insurance
Contact TuGo. Medical Emergency Assistance. In an emergency situation? Call us anytime, from anywhere! ... [email protected]. How to start a claim. View claim FAQs. For all other travel insurance inquiries. 1-855-929-8846. [email protected]. View travel insurance FAQs. Customer Service Hours. English. Monday to Friday. 6:00 AM - 5:00 PM (PST) 9:00 ...
Travel Insurance Claims & Assistance Services
Claims at TuGo provides exceptional travel insurance claim services and builds relationships with international hospitals and doctors. Our dedicated, multilingual team ensures you get the help you need, when and where you need it. In fact, we're available 24 hours-a-day, 7 days-a-week to assist you, or your family, in the event of a medical ...
Who is the best travel insurance provider?
We've had TuGo insurance for several years now. I've compared prices and TuGo remains the best. Now that we've had to use the insurance for an emergency, we're even more convinced—thank you. Cathy R. We had exceptional claims handling. We were in contact with the representatives from TuGo every step of our incident.
Travel Emergency Claims Phone Numbers
1-800-663-0399. From Mexico: 001-800-514-9976 or. 800-681-8070. Outside North America: (global toll-free) 800-663-00399. If you're overseas, you must first dial the international access code of the country you're in, plus our global toll-free number. For example, if you're in Australia, you must dial 0011 + 800-663-00399.
Welcome to myTuGo
Contact Us; Passer au français; Welcome to myTuGo. Manage your travel insurance policy or claim anytime, anywhere. Remember me. Forgot password? Log In. Your one-stop-shop, helping you travel better Watch Video. ... 1-800-663-5389 [email protected] Insurance-related 1-855-929-8846 ...
Travellers Insurance Claims Canada
Step 1: Create a username and password on myTuGo. Have your travel insurance policy number handy when you log in for the first time. Once in, click the " Start a Claim " button to get started. Step 2: Fill out claim forms. Once you've filled out all the information, you'll receive an email with your claim forms for you to sign.
I've Submitted My Travel Insurance Claim—What Happens Next?
Please wait to contact us until the day of your planned travel date or afterwards. We're unable to assist you with opening a claim or confirming coverage prior to this point. To make a claim, please submit online or call 1-800-663-0399 or email [email protected].
Canadian Travel Insurance Claims FAQs
Because travellers often have additional questions about travel insurance, we put together this list to help you. ... Coverage is not provided under the Trip Interruption insurance plan if you've been contact traced for COVID-19 at your travel destination. ... email receipt(s) to [email protected] or fax to 604-276-4593, including your ...
Travel Insurance for All of Life's Adventures
Types of Travel Insurance Why Travel Insurance Get a Quote 24/7 emergency medical assistance on your side If an accident happen s on your trip, our multilingual emergency medical team is available to you and your loved ones 24/7.
TRAVEL INSURANCE
North American Air Travel Insurance Agents Ltd. doing business as TuGo ® is a licensed insurance agency in all Canadian provinces and territories. TuGo is a third-party administrator of travel insurance products and services. We develop and administer a variety of travel insurance plans for Canadian business and leisure
TuGo Travel Insurance Review 2024
About 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 ...
Is TuGo Travel Insurance right for you? Review 2024
For claims, you can call 1-800-663-0399 or email TuGo at [email protected]. For all other travel insurance inquiries, use this number 1-855-929-8846 or email [email protected]. Save up to 25% on your travel insurance with our partner soNomad. Get a quote. 1-888-550-8302.
What Happens Once You File a Travel Insurance Claim
If you don't understand your coverage, be sure to contact your insurance broker or provider before you leave for your trip. Have any questions about submitting travel insurance claims? Let us know below! Safe travels, Monique. Editor's Note: This post was originally published in April 2020 and has been updated for freshness and/or accuracy.
Travel Insurance Claims Made Easier
Step 3: What you'll need to upload: preparing the necessary travel insurance claim documents. a) Fill out your claim forms, completing every section and make sure to sign everywhere it's required. b) Other requirements: All of the itemized bills and receipts.
How to Better Understand Your Travel Insurance Policy
Before you buy travel insurance. Understanding your travel insurance policy starts with learning more about the type of coverage you have. Before you buy, identify the types of travel insurance that'll best meet your needs and confirm the coverage limits to know the exact amount of protection you have. At this point, it's also a good idea ...
How to Top Up Your Travel Insurance with TuGo
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.
Travel Insurance Claims TuGo
Making a claim. There are a number of options for making claim through BCAA's travel insurance provider TuGo: Make a claim online. Or make a claim over the phone: For Canada & US: 1.877.293.BCAA (2222) For Mexico: 800.062.7930 or 800.681.8070. For outside North America & Mexico (Global toll-free number*): 800.212.12120.
FAQ
What other types of TuGo Travel Insurance plans are available? Expand. Do my customers really need additional travel insurance if they've got credit card coverage? Expand. When should my customers buy travel insurance? Expand. My customer is over age 60 and has a few medical conditions. Can he/she still buy TuGo Travel Insurance?
TUGO TRAVEL INSURANCE
ABOUT TUGO TRAVEL INSURANCE For over 50 years, TuGo's dedication to travellers, partners and employees, has made us one of Canada's top travel insurance providers and a Canada's Best Managed Company. ... call the emergency number located on your wallet card or listed in the confirmation documents. This 24/7 emergency assistance line will ...
Login to Partner Platform
We make selling travel insurance easy. Our new Partner Platform allows you to earn instantly by selling or referring travel insurance products online. It's free, simple to use, and even easier to manage! Choose ready-made or custom solutions to meet your customers' needs. Our tools let you build digital relationships with travellers.
TuGo
TuGo - Richmond - phone number, website, address & opening hours - BC - Health, Travel & Life Insurance, Insurance.
Travel Insurance
Travel Insurance - TripMate®. Whether you're planning an extended getaway, a vacation overseas or a last-minute trip across the border, travel confidently with TripMate Travel Insurance, through Allstate's trusted provider, TuGo, and get coverage for unexpected medical emergencies, including COVID-19. Benefits of getting TripMate Travel ...

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You may think you’re covered, but you’re probably not.

Your provincial health care plan won’t cut it

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Types of Travel Insurance

TuGo Travel Insurance Review 2024

Table of Contents

TD Insurance

Johnson Medoc Travel Insurance

TuGo Travel Insurance FAQs

Does TuGo cover COVID-19?

Does TuGo offer coverage extensions?

Does TuGo require a medical questionnaire?

Does TuGo have any age restrictions?

When does my coverage with TuGo begin?

Can I get a refund with TuGo?

Does TuGo offer a free look period?

Do I Need Travel Insurance When Travelling Within Canada?

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What is TuGo MyFlyt Service?

What is not covered by TuGo travel insurance?

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

How much does TuGo travel insurance cost?

How to file a claim with TuGo travel insurance?

Making emergency medical claims

Making trip cancellation/interruption claims

Making baggage insurance claims

How to contact TuGo travel insurance?

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

5 frequently asked questions about top-up travel insurance

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

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

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

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

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

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