TuGo Travel Insurance

TuGo^® Travel Insurance is designed for Canadians travelling outside their home province or abroad. Whether you're on a short weekend getaway or an extended international journey, TuGo provides comprehensive emergency medical coverage plus optional trip cancellation and sports add-ons — all backed by 24/7 emergency assistance. The plan is underwritten by Industrial Alliance Insurance and Financial Services Inc. and is available through OnVoyage, a licensed insurance broker.

Who Is TuGo Travel Insurance For?

TuGo Travel Insurance is for Canadian residents enrolled in a provincial or territorial government health care plan. It covers emergency medical expenses that your provincial plan won't pay for while you're away from home — including hospitalization, physician fees, ambulance services, and prescription drugs. There is no maximum age limit.

Available Plans

Deductible Options

Travel within Canada plans (CAD): $0, $300, $500, $1,000, $2,000, $5,000, $10,000, $25,000, $50,000, $100,000

Worldwide and Worldwide Excluding USA plans (USD): $0, $300, $500, $1,000, $2,000, $5,000, $10,000, $25,000, $50,000, $100,000

Emergency Medical Benefits

• Maximum policy limit: $10,000,000 — no age limit
• Emergency medical treatment (up to the policy limit):
  • In-patient or out-patient care
  • Services of a physician
  • Private duty nursing
  • X-rays and laboratory services
  • Rental or purchase of essential medical appliances
• COVID-19 coverage — up to all benefit limits (vaccination requirements must be met for international travel)
• Ambulance — up to the policy limit for ground, air or sea ambulance, or taxi in lieu
• Follow-up visit — up to 1 follow-up visit within 14 days of the initial emergency medical treatment
• Prescription drugs — up to a 30-day supply; up to $200 for a physician visit to replace lost, stolen or damaged prescription drugs
• Professional medical services — up to $700 per incident per practitioner for: physiotherapists, chiropractors, chiropodists, osteopaths, podiatrists, optometrists, acupuncturists
• Fracture treatment — up to $1,250 (includes x-rays, re-examination visits, casting, re-casting, and cast removal)
• Dental accidents — up to the policy limit during the trip, plus coverage for up to 30 days in the home province upon return; up to $700 for other dental emergencies
• Vision care & hearing aids — up to $1,000 for replacement of prescription glasses, contact lenses or hearing aids if lost, stolen or broken
• Unexpected birth of a child — up to $25,000 for medical expenses incurred by a newborn
• Hospital allowance — up to $100/day for incidental hospital charges
• Emergency air transportation — up to the policy limit for medical air evacuation, including a qualified medical attendant and airline seat upgrade if medically required
• Airfare to return home for treatment — up to one-way economy airfare (treatment must be required within 10 days of returning home)
• Return of excess baggage — up to $700 if medically air evacuated and no room for baggage aboard the aircraft
• Return of travelling companion — one-way economy airfare (companion does not have to be insured)
• Return of dependent children — one-way economy airfare plus cost of a qualified chaperone (applies to children up to age 21, or 25 if full-time students)
• Remote evacuation — up to $6,000 for non-medical evacuation from a remote location, including search and rescue from mountain, sea or other locations
• Repatriation — up to the policy limit for preparation and return of the body; up to $6,000 for burial or cremation at the place of death
• Family transportation — round-trip economy airfare for a family member to be at bedside; up to $500/day to a maximum of $2,500 for out-of-pocket expenses
• Out-of-pocket expenses — up to $500/day to a maximum of $5,000 for accommodation, meals, telephone, internet, taxi, parking, bus fare and rental car
• Child care — up to $500/day to a maximum of $5,000 (insured children 18 and under)
• Return of vehicle — up to the policy limit for a commercial agency, or one-way economy airfare plus expenses for a family member to return the vehicle
• Return to your destination — one-way economy airfare for the insured and travelling companion to return after a medical air evacuation
• Return of pets — up to $300 when the insured is returned home due to a medical emergency
• Air travel delay expenses — up to $900 for accommodation and meals after a 4+ hour flight delay; up to $400 for additional transportation; up to $400 for entertainment expenses; up to $900 for essential items if baggage is lost or delayed 6+ hours
• Domestic services in Canada — up to $300 for cooking, cleaning, child care and pet care within 15 days of return after a medical emergency
• Medical follow-up in Canada — available for up to 15 days from the return date: up to $1,000 for a semi-private hospital room, $100/day for home care nursing, $300 for ambulance or taxi, $300 for rental or purchase of essential medical appliances

Pre-Existing Medical Conditions

TuGo Travel Insurance covers stable pre-existing conditions. Stability requirements apply to Worldwide and Worldwide Excluding USA plans. There is no stability requirement for Travel within Canada plans.

• 59 years and under — 7-day stability for trips up to 35 days; 90-day stability for trips over 35 days
• 60 years and over — 180-day stability for all trip lengths

A condition is considered stable when there have been no new symptoms, no deterioration, no change in treatment, and no pending test results.

Optional Add-On Coverages

• Unstable Pre-existing Medical Condition Coverage — Covers up to $300,000 for unstable pre-existing conditions that were stable on or within 7 days before departure.
• Sports & Activities Coverage — Extends coverage to high-risk sports. Organized team sports (football, ice hockey, rugby) require this add-on only for travellers aged 21 and over. See the TuGo Sports & Activities Insurance page for the full list and surcharges.
• Trip Cancellation & Interruption — Up to $20,000 (multi-trip annual) or $100,000 (single trip) for trip cancellation before departure; up to $25,000 for trip interruption after departure. Covered reasons include: medical conditions, death, quarantine, job loss, travel advisories, flight cancellations, natural disasters, subpoena, and more. Includes COVID-19 coverage.
• Cancel for Any Reason (CFAR) — Covers up to 50% of the trip cancellation sum insured when cancelling for any reason not listed as a covered risk. Must be purchased within 5 days of booking and trip must be cancelled more than 5 days before departure.
• Baggage Insurance — Up to $1,500 per traveller (up to $3,000 for the family & friends plan) for loss, damage, destruction or theft; up to $100 for currency loss; up to $200 for personal necessities if baggage is delayed over 12 hours.
• Rental Car Protection — Up to $75,000 for physical damage to a rented or leased vehicle.

Rates & Discounts

• Annual renewal discount — 10% off the Multi Trip Annual Emergency Medical Worldwide plan upon renewal
• Companion discount — 5% off Single Trip and Multi Trip Annual Worldwide plans when two or more travellers travel together
• Family & friends plan — Special rate for up to two travellers aged 59 and under, plus up to six children (up to age 21, or 25 if full-time students)

Key Exclusions

TuGo Travel Insurance does not cover:

• Travel against a physician's advice or with a terminal diagnosis
• Unstable pre-existing conditions (unless Unstable Pre-existing Medical Condition Coverage was purchased)
• Travel to destinations under a Government of Canada "Avoid All Travel" advisory
• High-risk sports without a purchased Sports & Activities add-on
• Routine medical check-ups or elective treatments
• Pregnancy beyond 31 weeks

Claims & Emergency Assistance

TuGo's 24/7 Emergency Assistance Center is available around the clock. Contact them before seeking non-emergency treatment, and immediately in the event of hospitalization:

• Canada & USA: 1-800-663-0399
• Worldwide (collect): 604-278-4108

Claims must be submitted within 90 days of the date of service. Submit online at tugo.com/claims.

Frequently Asked Questions

Does TuGo Travel Insurance cover COVID-19?

Yes. COVID-19 is covered up to all benefit limits. For international travel, any vaccination requirements in effect at the time of departure must be met for coverage to apply.

Is there an age limit?

No. There is no maximum age limit. All Canadian residents enrolled in a provincial or territorial health care plan are eligible.

What stability period applies to pre-existing conditions?

For travellers 59 and under: 7-day stability for trips up to 35 days; 90-day stability for trips over 35 days. For travellers 60 and over: 180-day stability for all trip lengths. No stability requirement applies to Travel within Canada plans.

Can I cover unlimited trips with one policy?

Yes. The Annual Multi-Trip plan covers unlimited trips per year up to a maximum trip length you choose at purchase (2, 5, 10, 15, 20, 35, or 60 days per trip). It is available for worldwide travel or within Canada only.

What deductible options are available?

Deductibles range from $0 to $100,000 (CAD for within Canada plans; USD for worldwide plans). A higher deductible lowers your premium.

When should I contact TuGo's emergency assistance line?

Contact TuGo's 24/7 Emergency Assistance Center before seeking non-emergency treatment, and immediately in the event of hospitalization. Call 1-800-663-0399 (Canada & USA) or 604-278-4108 collect (worldwide). Failure to notify may affect your claim.