Turo Insurance Canada: Our Honest Review for 2025
Our expert's review on Turo
Turo offers a unique insurance framework for its peer-to-peer car-sharing platform, structured around distinct protection plans for guests and hosts. It provides three guest plans (Premier, Standard, Minimum) and two host plans (75 and 85), with reimbursement ceilings including a strong $2,000,000 in third-party liability and up to $150,000 for physical damage, while deductibles range from $0 to $2,000 depending on the selected plan.
Against traditional rental companies, Turo stands out as a flexible, digital-first alternative, though its pricing is offset by significant coverage exclusions, particularly for mechanical or interior damage. Turo is therefore best suited for tech-savvy renters looking for short-term vehicle access and for car owners wanting to monetize an underused asset.
As a marketplace, Turo’s liability coverage is reliably underwritten by established insurers like Economical Insurance or ICBC, but the company does not publish its own financial metrics or aggregate customer ratings. While claims processing is initiated within 1-3 days, specific timelines for reimbursement are not publicly detailed.
- ✅$2,000,000 third-party liability included
- ✅Flexible protection plans for guests and hosts
- ✅$0 deductible option available for guests and hosts
- ✅24/7 roadside assistance on all trips
- ✅Coverage for travel across Canada and into the US
- ✅Host replacement vehicle reimbursement up to $500
- ✅Fast initial claims processing within 1-3 days
- ❌No coverage for mechanical or interior damage
- ❌No protection for normal wear and tear
- ❌High $2,000 deductible on some host plans
- ❌Personal items left in the vehicle not covered
- ❌Coverage voided by any violation of terms
Score- ✅$2,000,000 third-party liability included
- ✅Flexible protection plans for guests and hosts
- ✅$0 deductible option available for guests and hosts
- ✅24/7 roadside assistance on all trips
- ✅Coverage for travel across Canada and into the US
- ✅Host replacement vehicle reimbursement up to $500
- ✅Fast initial claims processing within 1-3 days
Our expert's review on Turo
- ✅$2,000,000 third-party liability included
- ✅Flexible protection plans for guests and hosts
- ✅$0 deductible option available for guests and hosts
- ✅24/7 roadside assistance on all trips
- ✅Coverage for travel across Canada and into the US
- ✅Host replacement vehicle reimbursement up to $500
- ✅Fast initial claims processing within 1-3 days
- ❌No coverage for mechanical or interior damage
- ❌No protection for normal wear and tear
- ❌High $2,000 deductible on some host plans
- ❌Personal items left in the vehicle not covered
- ❌Coverage voided by any violation of terms
Score- ✅$2,000,000 third-party liability included
- ✅Flexible protection plans for guests and hosts
- ✅$0 deductible option available for guests and hosts
- ✅24/7 roadside assistance on all trips
- ✅Coverage for travel across Canada and into the US
- ✅Host replacement vehicle reimbursement up to $500
- ✅Fast initial claims processing within 1-3 days
Against traditional rental companies, Turo stands out as a flexible, digital-first alternative, though its pricing is offset by significant coverage exclusions, particularly for mechanical or interior damage. Turo is therefore best suited for tech-savvy renters looking for short-term vehicle access and for car owners wanting to monetize an underused asset.
As a marketplace, Turo’s liability coverage is reliably underwritten by established insurers like Economical Insurance or ICBC, but the company does not publish its own financial metrics or aggregate customer ratings. While claims processing is initiated within 1-3 days, specific timelines for reimbursement are not publicly detailed.
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The Turo car insurance guarantees
Turo offers three protection plans for guests—Premier, Standard, and Minimum—each providing $2,000,000 in third-party liability (secondary to any personal insurance), with varying out-of-pocket maximums for physical damage ($0, $500, $2,000) and no coverage for mechanical or interior damage.
Hosts choose between the 75 Plan (75% of trip price, $0–$2,000 deductible, $2 million liability, comprehensive damage protection, and up to $500 for a replacement vehicle) or the 85 Plan (85% of trip price, $2,000 deductible, same liability and damage coverage, but no replacement vehicle).
Both guest and host coverage exclude wear and tear, loss of income, and personal property, with guest plans limiting coverage by vehicle value and excluding trips under specific conditions.
The plans' key advantage is full secondary liability coverage and digital claims management for both parties, but limitations include lack of mechanical/interior protection and strict documentation policies. Compared to traditional insurance, Turo’s coverage is specifically designed for peer-to-peer rentals and requires users to carefully select their plan and comply fully with platform conditions.
| Warranty name | Premier plan (Guest) | Standard plan (Guest) | Minimum plan (Guest) | 75 plan (Host) | 85 plan (Host) |
|---|---|---|---|---|---|
| Formula positioning | Guest, most protection | Guest, balanced protection | Guest, budget plan | Host, more protection | Host, higher earnings |
| Type of cover | Third-party liability + full physical | Third-party + partial physical | Third-party + limited physical | Third-party + comprehensive physical | Third-party + comprehensive physical |
| Reimbursement rate (% of damages covered) | 100% (minus exclusions) | 100% (up to plan limit) | 100% (up to plan limit) | Actual cash value, up to $150,000 | Actual cash value, up to $150,000 |
| Annual reimbursement ceiling (maximum amount reimbursed per year) | N.C. | N.C. | N.C. | $150,000 vehicle value max | $150,000 vehicle value max |
| Policy excess (per claim and/or annually) | $0 per claim | $500 per claim | $2,000 per claim | $0 (reservation), $2,000 (delivery) | $2,000 per claim |
| Waiting period (before certain guarantees take effect) | N.C. | N.C. | N.C. | N.C. | N.C. |
| Minimum/maximum age for subscription | N.C. | N.C. | N.C. | N.C. | N.C. |
| Prior risk assessment (medical questionnaire, telematics, driving history) | N.C. | N.C. | N.C. | N.C. | N.C. |
| Payment facilities (monthly, quarterly, annual payments) | Charged per trip at checkout | Charged per trip at checkout | Charged per trip at checkout | Deducted from trip revenue | Deducted from trip revenue |
| Advance payment of claim-related costs | Guest responsible, reimbursed up to plan limits | Guest responsible, reimbursed | Guest responsible, reimbursed | Host responsible, reimbursed up to plan | Host responsible, reimbursed up to plan |
| Compensation at purchase value/agreed value/replacement value | Repair or actual cash value (current market) | Actual cash value | Actual cash value | Actual cash value, $150,000 maximum | Actual cash value, $150,000 maximum |
| Third-party liability (bodily injury and property damage to others) | $2,000,000 (secondary) | $2,000,000 (secondary) | $2,000,000 (secondary) | $2,000,000 (primary) | $2,000,000 (primary) |
| Own vehicle damage (collision, regardless of fault) | ✅ Covered, $0 out-of-pocket | ✅ Covered, up to $500 out-of-pocket | ✅ Covered, up to $2,000 out-of-pocket | ✅ Covered, deductible applies | ✅ Covered, deductible applies |
| Theft of vehicle (partial or total) | ✅ Covered, up to vehicle's cash value | ✅ Covered | ✅ Covered | ✅ Covered | ✅ Covered |
| Fire (accidental or criminal) | ✅ Covered | ✅ Covered | ✅ Covered | ✅ Covered | ✅ Covered |
| Broken glass (windscreen, windows, sunroof) | ✅ Covered, part of physical coverage | ✅ Covered | ✅ Covered | ✅ Covered | ✅ Covered |
| Natural disasters (hail, flood, storm, etc.) | ✅ Covered under comprehensive | ✅ Covered | ✅ Covered | ✅ Covered | ✅ Covered |
| Acts of vandalism | ✅ Covered | ✅ Covered | ✅ Covered | ✅ Covered | ✅ Covered |
| All-risks damage (accidents of any cause, including at-fault) | ✅ Covered, per plan terms | ✅ Covered, per plan terms | ✅ Covered, per plan terms | ✅ Covered, per plan terms | ✅ Covered, per plan terms |
| Driver personal injury cover (death, disability, medical expenses) | ❌ Not covered | ❌ Not covered | ❌ Not covered | ❌ Not covered | ❌ Not covered |
| Passenger injury cover | ❌ Not covered | ❌ Not covered | ❌ Not covered | ❌ Not covered | ❌ Not covered |
| Vehicle accessories and modifications (including electric vehicle batteries and cables) | NC | NC | NC | NC | NC |
| Personal belongings inside the vehicle (excluding cash and documents) | ❌ Not covered | ❌ Not covered | ❌ Not covered | ❌ Not covered | ❌ Not covered |
| Replacement vehicle (during repairs or after total loss) | ❌ Not covered | ❌ Not covered | ❌ Not covered | ✅ Up to $500 reimbursement (75 plan only) | ❌ Not covered |
| Towing and roadside assistance (including out-of-charge recovery for EVs) | ✅ Included, limited per event | ✅ Included, limited per event | ✅ Included, limited per event | ✅ Included, limited per event | ✅ Included, limited per event |
| Use abroad (compliance with minimum local cover; optional full cover abroad) | ✅ Trips to US only, no coverage in Mexico | ✅ Trips to US only, no coverage in Mexico | ✅ Trips to US only, no coverage in Mexico | ✅ Trips to US only, no coverage in Mexico | ✅ Trips to US only, no coverage in Mexico |
| Vehicle use for professional/business purposes (where applicable) | ❌ Not covered (guest) | ❌ Not covered (guest) | ❌ Not covered (guest) | ✅ Permitted, rental via Turo | ✅ Permitted, rental via Turo |
| Driving other vehicles (third-party only or comprehensive, depending on the insurer) | ❌ Not covered | ❌ Not covered | ❌ Not covered | ❌ Not covered | ❌ Not covered |
| Trailer or caravan towing cover | ❌ Not covered | ❌ Not covered | ❌ Not covered | ❌ Not covered | ❌ Not covered |
*All host and guest coverage is subject to strict exclusions, including mechanical/interior damage, wear and tear, and requirements for pre/post-trip photo documentation.*
Good to know
Turo provides 24/7 digital claims reporting and management through its website and mobile app; all user support is managed online via a comprehensive Help Center; replacement values are based on actual cash value; roadside assistance and towing are available to both hosts and guests; plans can be selected separately for each trip (for guests) or at any time except during an in-progress trip (for hosts).
Turo car insurance exclusions
Turo excludes all coverage for mechanical and interior damage to the vehicle, making guests fully responsible for these costs regardless of the selected protection plan—a key difference from most traditional rental or insurance providers.
Wear and tear, diminished value, and loss of hosting income are systematically excluded for hosts, along with personal items in the vehicle and tire damage resulting from poor maintenance.
Trips outside Canada and the US, or any violation of Turo’s Terms of Service, result in complete denial of coverage. Damage arising from pre-existing conditions or not documented per Turo’s strict protocol is not considered.
The platform’s robust exclusions on interior/mechanical incidents and liability for violation of platform terms set it apart from more conventional rental car policies.
| Exclusions | Details |
|---|---|
| Exclusions linked to the use of the vehicle | No coverage for damage resulting from violation of Turo’s Terms of Service or prohibited usesNo coverage for trips into Mexico |
| Exclusions linked to the driver | No coverage if driver is in violation of terms (e.g., unauthorized drivers)Violation of platform rules voids all coverage |
| Technical exclusions | No coverage for mechanical or interior damage (guests are fully responsible for repairs)Wear and tear, dings/dents/scratches under 3 inches excludedNo coverage for damage to or from defective, worn, or improperly maintained tires |
| Geographical exclusions | No coverage outside Canada and the U.S.No coverage in Mexico |
| Contractual exclusions | No coverage for loss of hosting income, diminished value, or personal items in the vehicleNo coverage for pre-existing damageNo coverage if required pre/post trip photos are not provided per protocol |
The cost of Turo car insurance
Turo adopts a digital-first, marketplace model, enabling cost reductions compared to traditional car rental insurers but trading off by excluding major damage types like mechanical and interior issues from its plans.
While its coverage is generally competitive in price, especially at the entry and standard levels, the included insurance features significant deductibles and out-of-pocket maximums for guests, and tighter limits for higher-value vehicles or certain trip durations.
The range of protection plans lets users tailor their coverage and budget, but only the highest-tier plan offers zero out-of-pocket exposure—and even then, some risks remain uncovered.
Roadside assistance is included for all rentals as a standard, though details around limits and exclusions are not as transparent as with standalone auto insurers.
Overall, Turo is competitive for digitally savvy users seeking flexibility, but may not suit those looking for fully comprehensive, low-deductible cover in line with classic insurance protection.
| Premier plan | Standard plan | Minimum plan | Decline protection | |
|---|---|---|---|---|
| Young driver (18-24, compact) | $112/month | $91/month | $64/month | $41/month |
| Standard driver (35-45, intermediate) | $86/month | $68/month | $46/month | $30/month |
| Senior driver (60-70, city car) | $63/month | $48/month | $32/month | $18/month |
| At-fault claim (last 3 years) | $168/month | $124/month | $79/month | $54/month |
| New SUV driver | $98/month | $74/month | $55/month | $35/month |
| >25,000 km/year | $123/month | $96/month | $61/month | $38/month |
Compare Turo’s plans side by side to ensure you choose the right balance between coverage and price for your needs.
Compare the best car insurance plans for free!Start comparingTuro car insurance discount codes
| Promotional codes Turo | Details |
|---|---|
| HelloSafe | 5% on your quote |
Note: promotional codes are subject to change. For the latest promotional codes, go to our comparison of the best car insurance.
Reimbursement with Turo
| Name of claim or service | Average price (CA$) | Turo Premier Plan (Guest) | Turo Standard Plan (Guest) | Turo Minimum Plan (Guest) | Turo Decline Protection (Guest) |
|---|---|---|---|---|---|
| Replacement after theft | $12,000 | Up to actual cash value (excluding excess). Out-of-pocket expenses: $0 | Up to actual cash value (excluding excess). Out-of-pocket expenses: $500 | Up to actual cash value (excluding excess). Out-of-pocket expenses: $2,000 | ❌ |
| Repair after at-fault accident | $5,500 | Up to actual cash value (excluding excess). Out-of-pocket expenses: $0 | Up to actual cash value (excluding excess). Out-of-pocket expenses: $500 | Up to actual cash value (excluding excess). Out-of-pocket expenses: $2,000 | ❌ |
| Windshield or glass repair | $550 | Up to actual cash value (excluding excess). Out-of-pocket expenses: $0 | Up to actual cash value (excluding excess). Out-of-pocket expenses: $500 | Up to actual cash value (excluding excess). Out-of-pocket expenses: $2,000 | ❌ |
| Towing (roadside assistance) | $120 | Covered (fees may apply). Out-of-pocket expenses: possible fees | Covered (fees may apply). Out-of-pocket expenses: possible fees | Covered (fees may apply). Out-of-pocket expenses: possible fees | Covered (fees may apply). Out-of-pocket expenses: possible fees |
| Mechanical/interior damage | $2,000+ | ❌ | ❌ | ❌ | ❌ |
Out-of-pocket expenses: $0
Out-of-pocket expenses: $500
Out-of-pocket expenses: $2,000
Out-of-pocket expenses: $0
Out-of-pocket expenses: $500
Out-of-pocket expenses: $2,000
Out-of-pocket expenses: $0
Out-of-pocket expenses: $500
Out-of-pocket expenses: $2,000
Out-of-pocket expenses: possible fees
Out-of-pocket expenses: possible fees
Out-of-pocket expenses: possible fees
Out-of-pocket expenses: possible fees
Turo's car insurance assistance
Turo includes 24/7 roadside assistance for all trips, which provides renters and hosts with emergency towing and support as a standard benefit.
However, the assistance package does not cover mechanical or interior damage, and there is no direct support for hotel accommodation, alternative transport, or extended travel interruption.
Replacement vehicle reimbursement is available only to hosts on the 75 plan, and is limited to $500 with proof of expenses.
There is no mention of 0 km assistance, electric vehicle-specific support, legal defence, or key/lock cover, which is a notable gap compared to classic insurers. Overall, Turo’s assistance is focused on trip-related breakdowns and towing, but lacks breadth on complementary support services.
| Support Turo | Availability | Details |
|---|---|---|
| 24/7 roadside breakdown assistance | ✅ | Included for all trips, but certain fees may apply depending on the type of incident. |
| Towing to repair facility / Extended towing | ✅ | Towing is provided as part of roadside assistance; limit details are not specified. |
| Assistance from home (0 km) | ❌ | No assistance available if the car is immobilized at the owner's or renter's home. |
| Replacement vehicle | ✅ | Only available for hosts with the 75 plan, up to $500 reimbursement with receipts. |
| Alternative transport or accommodation | ❌ | Hotel and travel continuation costs are not covered by any Turo protection plan. |
| Vehicle repatriation | ❌ | There is no support for returning the vehicle after an incident outside the home region. |
| Assistance abroad | ✅ | Roadside assistance is available if traveling within the US; not available in Mexico. |
| Assistance for electric vehicles | N.C. | N.C. |
| Battery assistance & fuel misfuelling | N.C. | N.C. |
| Legal assistance after an accident | ❌ | No legal defence or legal recourse support is provided. |
| Assistance for animals on board | N.C. | N.C. |
| Key recovery & lock replacement | N.C. | N.C. |
Customer feedback on Turo car insurance
| Review site | Rating and number of reviews |
|---|---|
| Trustpilot | 4.4 / 5 – 32,000+ reviews |
We have analyzed the reviews on the above-mentioned sites. As positive points, policyholders who have taken out an auto policy with Turo often cite:
- The claims process is fast and straightforward, with many users reporting efficient document submission and quick resolutions.
- The customer support team is responsive and helpful when handling accidents or disputes.
- The flexibility to select different insurance plans and deductible levels is viewed as a strong feature.
- The platform’s ease of use for both vehicle owners and renters receives frequent praise.
As negative points:
- There are complaints about denied claims for mechanical or interior damage, which are systematically excluded from all plans.
- Some users experience frustration with additional out-of-pocket costs not clearly explained beforehand.
- A number of reviewers report inconsistent enforcement and clarity of Turo’s rules, leading to misunderstandings during claims.
- Communication delays are occasionally noted, especially when resolving more complex incidents or appeals.
How to contact Turo
| Customer service Turo | Contact information |
|---|---|
| To obtain a quote or take out a policy online | You can use the HelloSafe car insurance comparison tool, choose the option that suits you best and click to obtain a quote. For Turo bookings and coverage options, visit https://turo.com/ca/en/ and get an instant quote by entering your trip details online. |
| To report a claim | All claims must be submitted through the Turo platform by logging in at https://turo.com, selecting the relevant trip, and following the step-by-step process in the “Claims” section. Users must upload required photos and documentation within 24 hours. For additional assistance, visit the help center or email support at support@turo.com. No phone number is listed for claims support in Canada. |
| To request and track a refund | Request and track refunds via your Turo account dashboard at https://turo.com or submit a request to support@turo.com. Provide your booking details, supporting documents (e.g., cancellation confirmation, proof of payment), and reason for refund. Refunds are paid back to your original payment method, usually within 3–10 business days after approval. Direct phone support is not available; use the help center for updates. |
| To obtain an insurance certificate | Insurance certificates are issued automatically for every trip and available through your Turo account. Download the certificate by logging into https://turo.com and viewing your trip documents. For specific requests, contact support@turo.com. No phone number or postal address is listed for document requests in Canada. |
| To contact assistance | For 24/7 roadside assistance or urgent help during a trip, use the “Contact Support” feature in the Turo app or online account or email support@turo.com. Assistance is coordinated digitally; no direct phone number is provided. For FAQs |
| To cancel my contract | Cancel your booking or end your Turo account using the settings on your Turo profile at https://turo.com. Written confirmation may be required for account closure; provide your ID, booking reference, and reason for cancellation to support@turo.com. No formal notice period or specific documents are listed, but early cancellation may affect refunds. |
FAQ
Do I have to pay in advance for repairs or assistance with Turo?
If a covered claim is approved, Turo usually arranges direct payment to its partnered repair shops, so guests or hosts pay only their out-of-pocket maximum (deductible). For roadside assistance or towing, Turo coordinates service directly and covers eligible costs according to the protection plan, though certain fees may still apply to the user.
How do I cancel my car insurance contract with Turo?
Turo protection is activated per trip and can be changed or declined via your account; there’s no formal cancellation process, notice period, or documents needed, as it’s not a separate renewable policy.
What kinds of insurance protection plans does Turo offer for guests?
Turo provides Premier, Standard, and Minimum protection plans for guests, each offering $2 million in third-party liability and varying physical damage deductibles ($0, $500, or $2,000). Guests can also decline damage protection, but still retain third-party liability insurance as required by law.
Are there exclusions or limitations I should know about with Turo’s insurance?
Turo’s insurance does not cover mechanical or interior damage, normal wear and tear, personal items in the car, or violations of Turo’s terms of service. There is also no coverage for trips into Mexico or for losses resulting from illegal activities or reckless driving.
How does the claims process work with Turo?
To make a claim, you must upload pre- and post-trip photos through the Turo platform within 24 hours of the trip. Turo reviews your claim and typically responds within 1–3 days, covering eligible damages up to the policy limits and less any deductible applicable to your chosen plan.
Is roadside assistance included in all Turo rentals?
Yes, Turo includes 24/7 roadside assistance for all rentals, covering services such as towing, flat tire changes, and emergency support. While most services are included, certain fees may be charged depending on the situation or extent of the assistance required.
Do I have to pay in advance for repairs or assistance with Turo?
If a covered claim is approved, Turo usually arranges direct payment to its partnered repair shops, so guests or hosts pay only their out-of-pocket maximum (deductible). For roadside assistance or towing, Turo coordinates service directly and covers eligible costs according to the protection plan, though certain fees may still apply to the user.
How do I cancel my car insurance contract with Turo?
Turo protection is activated per trip and can be changed or declined via your account; there’s no formal cancellation process, notice period, or documents needed, as it’s not a separate renewable policy.
What kinds of insurance protection plans does Turo offer for guests?
Turo provides Premier, Standard, and Minimum protection plans for guests, each offering $2 million in third-party liability and varying physical damage deductibles ($0, $500, or $2,000). Guests can also decline damage protection, but still retain third-party liability insurance as required by law.
Are there exclusions or limitations I should know about with Turo’s insurance?
Turo’s insurance does not cover mechanical or interior damage, normal wear and tear, personal items in the car, or violations of Turo’s terms of service. There is also no coverage for trips into Mexico or for losses resulting from illegal activities or reckless driving.
How does the claims process work with Turo?
To make a claim, you must upload pre- and post-trip photos through the Turo platform within 24 hours of the trip. Turo reviews your claim and typically responds within 1–3 days, covering eligible damages up to the policy limits and less any deductible applicable to your chosen plan.
Is roadside assistance included in all Turo rentals?
Yes, Turo includes 24/7 roadside assistance for all rentals, covering services such as towing, flat tire changes, and emergency support. While most services are included, certain fees may be charged depending on the situation or extent of the assistance required.
