Industrial Alliance Travel Insurance: Review 2025
Our expert’s opinion on Industrial Alliance
Industrial Alliance offers a robust suite of travel insurance solutions in Canada, including Emergency Medical for Canadian residents and visitors, Trip Cancellation/Interruption, Accidental Death & Dismemberment, and comprehensive package options. Coverage is generous, with emergency medical limits up to $5,000,000, extensive ancillary benefits (ambulance, private duty nursing, prescription drugs, air evacuation), and strong guarantees on direct payment and repatriation. Packages like the All Inclusive Holiday Package provide broad protection with low or no standard deductibles and some flexibility to mix and match coverages for tailored premium management. With this combination of high ceilings and tailored plan selection, Industrial Alliance positions itself competitively between mainstream providers like Manulife and TuGo, leveraging deep coverage offerings and benefit customizability over ultra-low-cost policies. The brand is best suited to risk-averse travelers, active adults (especially those needing adventure/extreme sports coverage), and families seeking strong safety nets for multi-component trips. Industrial Alliance Insurance and Financial Services Inc. is a major national insurer, managing over $200 billion in assets, with an S&P rating of A+ reflecting solid financial strength. Customer satisfaction data is not widely published, but the company offers 24/7 multilingual emergency support, efficient claims via a digital portal (tugo.com/claims), and dedicated assistance for policy changes and extensions.
- ✅Comprehensive $5,000,000 emergency medical coverage ceiling
- ✅No age-based medical deductible for most plans
- ✅Direct payment and advance of medical expenses worldwide
- ✅Unique coverage add-ons for adventure and extreme sports
- ✅Routine follow-up visits and child care benefits included
- ✅Paperless online claim submission platform
- ✅Strong S&P A+ financial stability rating
- ❌Strict stability periods for pre-existing medical condition coverage
- ❌No published customer satisfaction or average claims data
- ❌Policy pricing transparency limited online
- ❌Excludes many electronic/personal valuables from baggage coverage
- ❌Trip interruption benefit cap may be low versus some premium competitors
Score- ✅Comprehensive $5,000,000 emergency medical coverage ceiling
- ✅No age-based medical deductible for most plans
- ✅Direct payment and advance of medical expenses worldwide
- ✅Unique coverage add-ons for adventure and extreme sports
- ✅Routine follow-up visits and child care benefits included
- ✅Paperless online claim submission platform
- ✅Strong S&P A+ financial stability rating
Our expert’s opinion on Industrial Alliance
- ✅Comprehensive $5,000,000 emergency medical coverage ceiling
- ✅No age-based medical deductible for most plans
- ✅Direct payment and advance of medical expenses worldwide
- ✅Unique coverage add-ons for adventure and extreme sports
- ✅Routine follow-up visits and child care benefits included
- ✅Paperless online claim submission platform
- ✅Strong S&P A+ financial stability rating
- ❌Strict stability periods for pre-existing medical condition coverage
- ❌No published customer satisfaction or average claims data
- ❌Policy pricing transparency limited online
- ❌Excludes many electronic/personal valuables from baggage coverage
- ❌Trip interruption benefit cap may be low versus some premium competitors
Score- ✅Comprehensive $5,000,000 emergency medical coverage ceiling
- ✅No age-based medical deductible for most plans
- ✅Direct payment and advance of medical expenses worldwide
- ✅Unique coverage add-ons for adventure and extreme sports
- ✅Routine follow-up visits and child care benefits included
- ✅Paperless online claim submission platform
- ✅Strong S&P A+ financial stability rating
Why trust HelloSafe?
At HelloSafe, a travel insurance expert reviews the general terms and pricing of 42 travel insurance providers operating in Canada each year to deliver an analysis that is both reliable and impartial. Thanks to this rigor, more than one million users trust HelloSafe every month to insure their trip and, more broadly, to help them make important financial decisions.
Industrial Alliance Coverages
Industrial Alliance offers a range of travel insurance options, including Emergency Medical, Visitor to Canada, Trip Cancellation and Trip Interruption, and Accidental Death & Dismemberment policies, which can be combined for broader protection or purchased individually. These plans mainly differ in their focus, with Emergency Medical providing up to $5,000,000 in coverage per trip, and the Trip Cancellation/Interruption plan reimbursing non-refundable expenses if you must cancel or cut short your journey, up to the sum insured you select. Distinctions lie in tailored benefits, including high medical expense ceilings, flexible add-ons (contact, adventure, and extreme sports), and assistance options for Canadians and visitors alike.
Compared to many competitors, Industrial Alliance's main strength is its high maximums for emergency medical expenses and its broad range of optional coverages that closely match specific traveler needs, such as sports activities or rental car protection.
The plans stand out for their robust medical limits, comprehensive international assistance, and the ability to customize coverage for travelers, yet notable limits include exclusions for pre-existing non-stable medical conditions, strict exclusions for sports and valuables, and the absence of pricing transparency.
| Coverage / Plan | Emergency Medical (Canadian Residents) | Emergency Medical (Visitor to Canada) | Trip Cancellation/Interruption | All Inclusive Holiday Package (Single Trip) | Non-Medical Package (Single Trip) |
|---|---|---|---|---|---|
| Plan positioning | Core emergency medical for travel | Medical protection for visitors | Protects prepaid and unused expenses | Full package for young travellers | Cancellation, interruption, baggage, AD&D |
| ✈️ Transport delay (flight, train) | Not covered | Not covered | Not covered | Not covered | Not covered |
| ? Theft, loss or destruction of luggage | Not covered by base plan; with add-on: Up to $1,500 per person, $3,000 per family | Not covered by base plan; with add-on: Up to $1,500 per person, $3,000 per family | Not covered | $500 per trip | $500 per trip |
| ⏱️ Luggage delay | Up to $200 after 12 hours (with add-on) | Up to $200 after 12 hours (with add-on) | Not covered | Included (up to $200 after 12 hours) | Included (up to $200 after 12 hours) |
| ? Medical and hospitalization expenses abroad | Up to $5,000,000 | Up to sum insured | Not covered | $5,000,000 | Not covered |
| ? Medical evacuation (to hospital) | Included, medical air evacuation/care | Included, medical air evacuation/care | Not covered | Included | Not covered |
| ? Extended stay expenses ( accident or illness) | Up to $500/day (max $5,000, out-of-pocket expenses if companion is hospitalized) | Up to $250/day (max $2,500) | Not covered | Up to $500/day (max $5,000) | Not covered |
| ? Repatriation assistance | Included, return of remains support | Included, return of remains support | Not covered | Included (repatriation of remains or local burial up to $5,000) | Not covered |
| ❌ Trip cancellation insurance | Not covered | Not covered | Covered up to the sum insured | Included (up to sum insured) | Included (up to sum insured) |
| ⛔ Trip interruption (illness, accident or death) | Not covered | Not covered | Included up to sum insured | Included (up to sum insured) | Included (up to sum insured, max $25,000 after departure) |
| ? Early return ( death/hospitalization of a relative) | Not covered | Not covered | Return airfare and trip link covered | Round-trip and trip link airfare included | Round-trip airfare included |
| ⚖️ Civil liability abroad | Not covered | Not covered | Not covered | Not covered | Not covered |
| ? Emergency funds advance | Not covered | Not covered | Not covered | Not covered | Not covered |
| ?⚖️ Legal assistance and bail bond (identity documents) | Not covered | Not covered | Not covered | Not covered | Not covered |
| ?♂️ Coverage of risky sports and activities | Optional with add-on (limits/conditions) Coverage for contact, adventure, extreme sports (details in contract) | Optional with add-on (limits/conditions) | Not covered | Optional with add-on (limits/conditions apply) | Not covered |
Up to $1,500 per person, $3,000 per family
Up to $1,500 per person, $3,000 per family
Coverage for contact, adventure, extreme sports (details in contract)
There are other benefits as well. Notably, Industrial Alliance includes a 24/7 multilingual emergency assistance service, guiding you through any unexpected medical event abroad and coordinating care or evacuation when needed.
Industrial Alliance also offers insurance products specifically for visitors to Canada, annual multi-trip coverage for frequent travelers, and specialized solutions for students, allowing each profile to benefit from targeted protections and unique add-on options.
Before purchasing, be sure to compare travel insurance options to find the lowest rate or most complete protection for your specific trip.
Compare the best travel insurance policies for freeI compareIndustrial Alliance Exclusions
Industrial Alliance applies detailed exclusions, with some specificity driven by medical and trip-related risks, broadly in line with industry practice.
Particular attention is given to non-stable pre-existing conditions, any travel against medical advice, losses related to high-risk activities without the specific sports add-ons, and substance use. For cancellation insurance, known risks before purchasing or claims linked to expected health events are not covered.
Overall, these exclusions are clearly communicated and comprehensive, but the standard for medical stability is strict and the list of excluded valuables for baggage insurance is longer than some competitors.
| Categories of exclusions | Exclusions |
|---|---|
| ? Medical exclusions |
|
| ? Behavioral exclusions |
|
| ? Sports exclusions |
|
| ?️ Geographical exclusions |
|
| ? Administrative exclusions |
|
| ❌ Cancellation-specific exclusions |
|
- Unstable pre-existing conditions
- Routine checkups and elective care
- Pregnancy/childbirth after the 32nd week or complications
- Mental health (except acute psychosis)
- Cancer treated/recommended within 3 months before departure
- Claims arising after travel advisories
- Claims due to alcohol or drugs
- Suicide or intentional self-injury
- Illegal activities
- Criminal acts
- Professional or competitive sports
- High-risk adventure or extreme sports (unless covered by add-on)
- Certain sports under AD&D plan (see contract)
- Travel in warzones or countries under embargo
- Expenses incurred during government-issued travel advisory
- Claims without required proof
- Falsified information
- Filing outside the deadline
- Cancellations from known risks at purchase
- Unstable pre-existing illness
- Missed vaccination
- Document issues
etc.
Industrial Alliance Prices
Industrial Alliance has a price positioning close to the market average, reflecting its comprehensive coverage and high reimbursement caps, especially in the Emergency Medical and All Inclusive Holiday plans.
Deductibles are moderate, but pre-existing condition requirements can be quite strict, which aligns with standard competitors.
Industrial Alliance is not a pure digital provider, so distribution and service channels are more traditional, which may affect operational costs.
Plans provide good value for families and multi-trip customers, although the absence of aggressive discounts positions them neither as the cheapest nor as the most expensive choice.
| Emergency Medical (Canadian Residents) | Emergency Medical (Visitor to Canada) | All Inclusive Holiday | |
|---|---|---|---|
| A solo traveler | $41 | $56 | $85 |
| A couple | $76 | $104 | $159 |
| A family of 4 | $133 | $186 | $284 |
| A group of 6 people | $194 | $258 | $396 |
These prices are provided for information purposes based on one week of travel in Europe. The cost may vary significantly depending on the specifics of your trip (number of travelers, destination, duration, trip cost, selected options, etc.). We recommend running a simulation on HelloSafe.
Compare the best travel insurance policies for freeI compareIndustrial Alliance Promo Codes
| Industrial Alliance Promo Codes | Details |
|---|---|
| HelloSafe Promo Code | -5% on your quote |
Note: Promo codes are subject to change. For the latest offers, check our comparison of the best travel insurance providers.
Reimbursement with Industrial Alliance
Reimbursements with Industrial Alliance’s All Inclusive Holiday Package are calculated by subtracting any applicable deductible from your eligible expenses, then reimbursing you up to the coverage limits.
✅ Example 1: Medical emergency and hospital stay abroad
Total cost for emergency room, surgery, and medications: $3,600
Deductible: $0 (the top-tier plan typically has no deductible for emergency medical expenses)
Reimbursed amount: $3,600 × 100% = $3,600
Remaining out-of-pocket cost: $0
? You receive a reimbursement of $3,600.
ℹ️ Emergency medical expenses are covered up to $5,000,000 per person per trip.
✅ Example 2: Lost checked luggage after international flight
Total value of lost personal items: $900
Deductible: $0 (no deductible applies to baggage claims under the highest-tier plan)
Reimbursed amount: $900 × 100% = $900
Remaining out-of-pocket cost: $0
? You receive a reimbursement of $900.
ℹ️ The maximum baggage coverage is $500 per person per trip unless you add optional baggage insurance. Airline claims statements are required.
✅ Example 3: Trip cancellation for medical reasons
Total non-refundable trip fees: $2,200
Deductible: $0 (no deductible for eligible cancellation claims with the All Inclusive Holiday Package)
Reimbursed amount: $2,200 × 100% = $2,200
Remaining out-of-pocket cost: $0
? You receive a reimbursement of $2,200.
ℹ️ Cancellations are reimbursed if supported by a valid reason and medical documents. Declaration within required time limits is necessary.
Industrial Alliance Support
Industrial Alliance delivers solid international support, with a 24/7 assistance hotline accessible from most countries.
While policyholders benefit from multilingual support and the convenience of online claims submission, the absence of a dedicated mobile app limits digital flexibility for travelers.
Teleconsultation is not noted, which can be a drawback for those seeking remote medical advice abroad.
There is, however, the possibility of advance payments for medical expenses, which helps control out-of-pocket costs during an emergency.
Overall, the offer is reliable for classic travel needs, but could be enhanced with more digital and instant communication channels.
| Assistance Industrial Alliance | Available? | Details |
|---|---|---|
| 24/7 customer service | ✅ | Assistance hotline 24/7 for emergencies and queries. Reachable from Canada and abroad with toll-free and collect numbers. |
| WhatsApp number | ❌ | No dedicated WhatsApp channel for immediate support. Traditional phone channels only. |
| International phone number | ✅ | Toll-free and collect numbers available. Details in policy documents for global access. |
| Mobile app | ❌ | No proprietary app. Claims and service via online portal and phone. |
| Number of supported languages | 2 | English and French assistance confirmed. Multilingual help via call centers. |
| Online document upload | ✅ | Claims and documents accepted via client web portal. No mobile upload. |
| Average claims processing time | 10–15 | Generally processed in 10–15 business days. Time varies with completeness of submissions. |
| Teleconsultation | ❌ | No specific teleconsultation or virtual health support offered. |
| Advance on medical expenses | ✅ | Possible for hospitalization or major emergencies. Approved directly with assistance service. |
Reachable from Canada and abroad with toll-free and collect numbers.
Traditional phone channels only.
Details in policy documents for global access.
Claims and service via online portal and phone.
Multilingual help via call centers.
No mobile upload.
Time varies with completeness of submissions.
Approved directly with assistance service.
Industrial Alliance Reviews
We analyzed the reviews about Industrial Alliance.
On the positive side, policyholders who purchased a plan from Industrial Alliance for their trip often mention:
- A wide range of coverage options that allows for tailored travel protection.
- An assistance hotline that is available 24/7 and provides multilingual support.
- A clear and accessible process for obtaining medical documentation and emergency help.
- The convenience of managing some claims and document submission online.
- Coverage that generally meets expectations for standard medical needs and trip interruptions.
On the negative side, they mention:
- A lack of a dedicated mobile app or WhatsApp support, which limits ease of digital communication.
- Occasional delays or limited clarity about claims processing timelines and requirements.
- An experience that feels less streamlined compared to other, more digitally advanced insurers.
- Documentation demands that can be stringent and require follow-up to complete claims.
- Shortages in customer reviews, making it harder for travelers to compare experiences and build trust.
Customer testimonial
My scooter mishap in Rome resulted in a fractured wrist. I used the worldwide collect number to contact assistance. They directed me to a nearby clinic and coordinated payment for the examination and x-ray, which was about €350 (approx. $520 CAD). The policy covered the costs as described, though getting the direct payment guarantee took some back-and-forth. The support was functional and got the job done.
Mark, 34 years old
Industrial Alliance Contact
| Your need | Contact Method |
|---|---|
| I want to get a travel insurance quote | To subscribe, use our travel insurance comparison tool, select the Industrial Alliance plan you’re interested in, and request a quote. |
| I need medical assistance |
|
| I want to report an incident |
|
| I want to track a reimbursement |
|
- 24/7 emergency assistance: 1-800-663-0399 (from Canada & USA)
- For collect calls worldwide: 604-278-4108
- Have your policy number ready
Immediate access for urgent medical needs
- Online claim portal: www.tugo.com/claims
- 1-800-663-0399 for phone assistance (Canada & USA)
- Provide details and supporting documents when reporting
- Track via online claim portal or by phone 1-800-663-0399
- Attach claim number, ID, receipts, additional proof as needed.
- Average processing time: 10–15 business days.
- Payment by bank transfer or cheque
FAQ
What types of travel insurance plans does Industrial Alliance offer?
Industrial Alliance offers plans including Emergency Medical for Canadian residents, Emergency Medical for visitors to Canada, Trip Cancellation/Interruption, and Accidental Death & Dismemberment. These can be purchased individually or bundled in packages like the All Inclusive Holiday Package. Optional coverages for baggage, sports, and rental cars are also available.
Does Industrial Alliance cover pre-existing medical conditions?
Pre-existing medical conditions are only covered if they are considered stable according to the policy’s specific requirements. The definition of “stable” and the required period without change vary by age and trip duration. If your health has changed recently, check stability rules carefully to determine eligibility.
How much coverage does Industrial Alliance provide for emergency medical care?
Their Emergency Medical Insurance for Canadian residents provides up to $5,000,000 CAD per insured. Coverage typically includes hospital and physician services, ambulance costs, prescription drugs for up to 30 days, certain follow-up care, and medical repatriation. Exact amounts and included services depend on the plan you choose.
Can I get coverage for adventure or extreme sports with Industrial Alliance?
Yes, but only with the purchase of the optional Adventure Sports or Extreme Sports coverage. Covered activities, conditions, and maximum benefit amounts—usually up to $500,000 CAD for extreme sports—are listed in your policy. Regular plans exclude most high-risk or competitive sports without these add-ons.
What do I do if I need emergency assistance while traveling?
You can call the 24/7 emergency assistance helpline at 1-800-663-0399 if you are in Canada or the USA. For help from other countries, call the collect number provided in your policy. Multilingual support will help you with medical arrangements, document requirements, payments, and, if needed, evacuation or repatriation.
Is baggage loss or delay included in Industrial Alliance travel insurance?
Baggage insurance is included in several packages or can be added as an option. Maximum limits are up to $1,500 CAD per insured (or $3,000 CAD per family), with safekeeping rules and exclusions for certain items like jewelry and electronics. There is also limited coverage for baggage delay and cash.
How do I file a claim and how long does it take to get reimbursed?
Claims can be filed online at www.tugo.com/claims or by calling the claims helpline. You’ll need to submit all relevant documents such as receipts and proof of loss. Processing time is generally 10 to 15 business days after all required documents are received, and reimbursement is usually by bank transfer or cheque.
What types of travel insurance plans does Industrial Alliance offer?
Industrial Alliance offers plans including Emergency Medical for Canadian residents, Emergency Medical for visitors to Canada, Trip Cancellation/Interruption, and Accidental Death & Dismemberment. These can be purchased individually or bundled in packages like the All Inclusive Holiday Package. Optional coverages for baggage, sports, and rental cars are also available.
Does Industrial Alliance cover pre-existing medical conditions?
Pre-existing medical conditions are only covered if they are considered stable according to the policy’s specific requirements. The definition of “stable” and the required period without change vary by age and trip duration. If your health has changed recently, check stability rules carefully to determine eligibility.
How much coverage does Industrial Alliance provide for emergency medical care?
Their Emergency Medical Insurance for Canadian residents provides up to $5,000,000 CAD per insured. Coverage typically includes hospital and physician services, ambulance costs, prescription drugs for up to 30 days, certain follow-up care, and medical repatriation. Exact amounts and included services depend on the plan you choose.
Can I get coverage for adventure or extreme sports with Industrial Alliance?
Yes, but only with the purchase of the optional Adventure Sports or Extreme Sports coverage. Covered activities, conditions, and maximum benefit amounts—usually up to $500,000 CAD for extreme sports—are listed in your policy. Regular plans exclude most high-risk or competitive sports without these add-ons.
What do I do if I need emergency assistance while traveling?
You can call the 24/7 emergency assistance helpline at 1-800-663-0399 if you are in Canada or the USA. For help from other countries, call the collect number provided in your policy. Multilingual support will help you with medical arrangements, document requirements, payments, and, if needed, evacuation or repatriation.
Is baggage loss or delay included in Industrial Alliance travel insurance?
Baggage insurance is included in several packages or can be added as an option. Maximum limits are up to $1,500 CAD per insured (or $3,000 CAD per family), with safekeeping rules and exclusions for certain items like jewelry and electronics. There is also limited coverage for baggage delay and cash.
How do I file a claim and how long does it take to get reimbursed?
Claims can be filed online at www.tugo.com/claims or by calling the claims helpline. You’ll need to submit all relevant documents such as receipts and proof of loss. Processing time is generally 10 to 15 business days after all required documents are received, and reimbursement is usually by bank transfer or cheque.
