TuGo Insurance

For over 50 years, TuGo has been one of Canada's most trusted travel insurance providers, protecting millions of travellers with comprehensive coverage and 24/7 emergency assistance. TuGo is underwritten by Industrial Alliance Insurance and Financial Services Inc. and has been recognized as one of Canada's Best Managed Companies. Through a licensed insurance broker, you can compare TuGo plans and purchase coverage online in minutes.

TuGo offers four insurance products to suit different travellers and situations:

TuGo Travel Insurance

TuGo Travel Insurance is for Canadian residents travelling outside their home province or abroad. It provides up to $10,000,000 in emergency medical coverage with no age limit, plus optional trip cancellation and interruption, sports add-ons, rental car protection, and baggage coverage. Coverage is available as a single trip or annual multi-trip plan.

Available plans

• Annual Multi-Trip — Unlimited trips per year up to a chosen maximum trip length (2 to 60 days). Available worldwide or within Canada.
• Single Trip — Choose from worldwide, worldwide excluding the USA, or within Canada.

Key benefits

• Emergency medical coverage up to $10,000,000 — no age limit
• Hospital, physician, ambulance, and prescription drug coverage
• Stable pre-existing conditions covered (stability requirements vary by age)
• Optional trip cancellation, sports, baggage, and rental car add-ons
• 24/7 emergency assistance worldwide

TuGo Visitors Insurance

TuGo Visitors Insurance covers emergency medical expenses for people visiting Canada who are not enrolled in a provincial or territorial health care plan — including parents and grandparents visiting from abroad, new immigrants awaiting provincial coverage, and international tourists and workers. Two plans are available: the lower-cost Basic plan (up to $300,000, ages up to 79, no pre-existing coverage) and the comprehensive Standard plan (up to $500,000, no age limit, pre-existing conditions covered). Both plans can be purchased for up to 365 days and are Super Visa eligible at $100,000+.

Basic plan — key benefits

• Emergency medical services up to $300,000 (ages up to 79)
• Lower premiums — no pre-existing condition coverage
• Fracture treatment up to $1,000
• Emergency air transportation up to $100,000
• Family & Friends rate available
• Ideal for healthy visitors who want essential coverage at a lower cost

Standard plan — key benefits

• Emergency medical services up to $500,000
• Dental accidents up to $6,000
• Maternity up to $6,000
• 24-hour accident insurance up to $25,000
• Stable pre-existing conditions covered (stability periods vary by age)
• Unstable pre-existing condition coverage available for ages 79 and under
• Side-trips outside Canada covered

TuGo Student Insurance

TuGo Student Insurance covers both Canadian students studying abroad (outbound) and international students studying in Canada (inbound). Most schools require proof of medical insurance before enrollment. Provincial health plans offer limited or no coverage outside your home province, and international students are generally ineligible for provincial health care. TuGo Student Insurance provides up to $2,000,000 in coverage including dental, maternity, mental health, and eye care.

Key benefits

• Emergency medical coverage up to $2,000,000
• Dental accidents up to $6,000
• Maternity coverage up to $25,000
• Mental health services up to $1,000–$2,000 (varies by plan)
• Prescription eyewear and hearing aids up to $200
• Available for outbound Canadian students (age 40 and under) and inbound international students (age 69 and under)

TuGo Sports & Activities Insurance

TuGo Sports & Activities Coverage is an optional add-on to TuGo Travel or Visitors Insurance that extends emergency medical coverage to injuries sustained during adventure sports and high-risk activities. Without this add-on, injuries from the listed activities are excluded from the base policy. Coverage applies to 20+ activities including backcountry skiing, rock climbing, and skydiving.

Key benefits

• Covers injuries from 20+ adventure and high-risk sports
• No separate sub-limit — full policy limit applies
• Surcharges range from 50% to 1,000% of base premium
• Select multiple activities — only pay the highest surcharge
• Covers training, practice, and competition
• Available as add-on to Travel or Visitors Emergency Medical plan