Is Sun Life Travel Insurance the best in 2024? Review
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Discover the methodologySun Life Travel Insurance provides comprehensive and flexible coverage options tailored to meet the needs of all types of travellers. Whether you're a frequent traveller, Canadian senior, visitor or student, Sunlife travel insurance has affordable plans.
But what does Sunlife travel insurance cover? What are its pros and cons? Does it offer COVID-19 coverage? How do you file claims? What does Sunlife travel insurance cost? Find answers to all this and more in this comprehensive Sunlife travel insurance review.
Sun Life Travel Insurance: Key Takeaways
- Sun Life Travel Insurance is offered in partnership with TuGo
- TuGo is the first company to offer cancellation insurance for cancelled flights.
- Sunlife offers competitive travel insurance prices.
- Your Sunlife TuGo travel insurance is highly customizable to suit your needs.
- Sunlife travel insurance covers COVID-19-related issues.
Our review of Sun Life Travel Insurance Canada
Sunlife has partnered with Tugo to provide comprehensive travel insurance solutions. Sunlife travel insurance offers extensive coverage to meet the varied needs of travellers. Emergency medical care through Sunlife travel insurance is covered up to $5,000,000, which aligns with the offerings of major insurers like CAA and Blue Cross travel insurance.
In addition to medical care, Sunlife TuGo insurance provides baggage insurance with coverage of $500, although this amount is lower than some competing offers that can cover up to $2,000. Its diverse plans include single-trip, multi-trip, and all-inclusive holiday packages. What sets it apart is also coverage for high-risk sports and activities which top travel insurance providers mostly exclude.
Sunlife travel insurance stands out for its flexibility and accessibility. Through TuGo, Sunlife recommends the best offer based on the client's profile and type of travel, which is a notable advantage for those seeking a personalized solution. Administrative procedures are also simplified thanks to the possibility of online insurance submission and claims. Sunlife travel insurance assistance is available 24/7, ensuring continuous help when needed.
Expert advice
Individuals seeking a personalized solution and an easy online application and claims process will find Sunlife travel insurance particularly advantageous. Compared to other offers, Sunlife TuGo travel insurance stands out for its flexibility and personalized approach, although baggage coverage is lower.
Pros of Sun Life Travel Insurance
- Competitive prices
- Sunlife travel insurance is offered through Tugo
- Manage travel insurance policy easily online
- Options available to cover sports activities during travel
- Sunlife TuGo travel insurance offers à la carte insurance: you can add or remove options as you wish
- Easy Sunlife travel insurance claims online using myTugo
Cons of Sun Life Travel Insurance
- There are eligibility criteria for subscribing to their travel insurance; check the fine print.
- Baggage insurance is only available for single-trip insurance
In summary, Sunlife Travel Insurance offers robust medical coverage, continuous assistance, and practical services like online submission and claims. It is particularly recommended for frequent travellers and those seeking reliable and comprehensive protection for their trips with easy policy management online.
Before subscribing to travel insurance with Sunlife, we advise you to shop for the best travel insurance with our free online comparator. This way, you can be sure to choose the best coverage for your travel plans. Use our free tool below to compare travel insurance quotes online and get instant results.
Compare the best travel insurance plans on the market!
What does Sun Life travel insurance cover?
Sunlife travel insurance through its partner TuGo offers various plans tailored to your travel profile, destination, and trip duration. Below are the details of the different travel insurance options offered by TuGo:
Sunlife travel insurance coverage
- Emergency medical insurance: Up to $5,000,000
- Trip cancellation and interruption
- Accidental death and dismemberment
- Non-medical package
- All-Inclusive Holiday Package
- Visitor to Canada Medical
- Student travel insurance
Additionally, you can also opt for coverage for:
- Baggage Insurance: Protection against loss, theft, or damage of personal belongings.
- Rental Car Protection: Covers rental car damage or loss.
- Sports & Activities Coverage: Coverage for high-risk sports and activities.
- Cancel for Any Reason Coverage: Allows trip cancellation for reasons not typically covered under standard policies.
For more information, download the free PDF on full policy details of Sunlife Tugo travel insurance.
Sunlife Travel Insurance Visitor to Canada coverage
Sunlife offers travel insurance tailormade for visitors to Canada through TuGo. It covers:
| Coverage Type | Visitor Plan I | Visitor Plan II | Visitor Plan III |
|---|---|---|---|
| Emergency Medical Coverage | Up to $25,000 | Up to $50,000 | Up to $150,000 |
| Trip Cancellation & Interruption | |||
| Baggage Insurance | |||
| Flight Accident Insurance | Up to $50,000 | Up to $50,000 | Up to $50,000 |
| Additional Benefits |
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If you're looking for plans tailormade for Canadian visitors, check out our guide on the best travel insurance for visitors to Canada.
Your credit card has travel insurance too
Most credit cards have travel insurance benefits by default. Premium cards in particular have extensive coverage from emergency medical and car rental insurance to trip cancellation and lost/delayed baggage assistance. Want to know what coverage your card has? Check out our tool HelloCard and find out all the credit card travel insurance included in your credit card.
Does Sunlife travel insurance cover COVID?
Yes, Sunlife travel insurance covers COVID. The coverage for COVID-19 is included with Sunlife-TuGo's emergency medical insurance for vaccinated individuals. For unvaccinated individuals, TuGo offers a COVID-19 insurance plan for the non-vaccinated. COVID-19 travel insurance coverage is not provided for destinations under a Level 4 travel advisory issued by the Canadian government.
If you'd like to compare travel insurance plans from other providers and see how Sun Life fares, you could use our comparator below. It lets you compare coverage, and pricing, and also get free quotes from the best travel insurance in Canada.
Compare the best travel insurance plans on the market!
What does Sun Life travel insurance cost?
Below is an overview of Sunlife travel insurance prices for different traveller profiles:
| Traveler Profile | Sunlife Travel Insurance Price |
|---|---|
| Complete single trip insurance for the USA, covering everything, for 2 weeks | $139.52 |
| Medical-only package for 2 weeks | $54 |
| Multi-trip insurance, medical expenses only | $98 |
| Multi-trip insurance with cancellation coverage | $215.72 |
Sunlife travel insurance price
The cost of Sun Life travel insurance, or any insurance policy, can vary based on several factors, including:
- Destination: The location you are travelling to can influence the cost of travel insurance. Some countries may have higher medical expenses, leading to higher premiums.
- Trip duration: The length of your trip will affect the cost of the insurance. Longer trips may have higher premiums compared to shorter ones.
- Coverage limits: The level of coverage you choose for medical expenses, trip cancellation, baggage loss, and other benefits will impact the cost.
- Your age: The age of the individuals being insured can also affect the premium. Typically, senior travel insurance may have higher premiums.
- Number of travellers: If you are purchasing insurance for a group of travellers, the cost may differ based on the number of people covered.
- Optional add-ons: Some travel insurance policies offer additional coverage options for specific activities or benefits, which can increase the overall cost.
We, therefore, recommend that you get a personalized Sunlife travel insurance quote to get the exact premium.
Before you purchase a policy, we recommend comparing the costs of other travel insurance policies. You could easily do that by using our comparator below and get quick and free personalized quotes based on your unique needs.
Compare the best travel insurance plans on the market!
What does Sun Life insurance travel insurance not cover?
Though Sunlife travel insurance offers comprehensive coverage through Tugo, it excludes coverage for the following:
- Trips booked or insurance purchased after the diagnosis of a terminal condition or while receiving palliative care.
- Any claims incurred after a physician advised not to travel.
- Cancellation or interruption due to known circumstances or natural disasters before purchasing insurance.
- Expenses related to emotional or mental disorders unless they result in hospitalization.
- Non-emergency treatments, experimental or elective procedures, and their complications.
How to contact Sun Life travel insurance?
Sunlife Travel Insurance Phone Number: Call 1-877-786-5433. Sun Life customer service is available Monday to Friday, 8 a.m. - 8 p.m. ET. For faster service, use the mobile app, which helps the company identify you and provide the appropriate support.
Partner Contact: You can also call their partner, TuGo, directly at 1-855-929-8846 for assistance.
How to file a Sun Life travel insurance claim?
You can file a Sunlife travel insurance claim through its partner Tugo in the following ways:
File a Claim Online:
- Start the claim process here.
- Fill up the claim form based on the category.
- Track the progress online.
File a Claim on the app:
Good to know
The fastest way to make a Sun Life travel insurance claim is through the myTugo app.
- Create a myTuGo account with your travel insurance policy number, and click “Start a Claim” to begin.
- Fill out and sign the claim forms received via email, and upload them with the required documents (itemized bills, receipts, health care forms) to myTuGo.
- Monitor your claim status and upload any additional requested documents through myTuGo for fast processing.
Claims support over the Phone:
- Canada and the US (Toll-free): 1-800-663-0399
- Mexico: 001-800-514-9976 or 800-681-8070
- Worldwide (Collect): 1-604-278-4108
- Outside North America and Mexico (Toll-free): *800-663-0399 (First dial the international access code for the country you are in, then enter the 11-digit toll-free number above. Not available in all countries.)
- Problems connecting? Call at 1-604-278-4108.
Claims by Mail:
You can also download the claim form, fill it out, and send everything to the following postal address:
- Mailing Address:
- Claims at TuGo
- 1200-6081 No. 3 Rd
- Richmond, BC
- Canada, V6Y 2B2
Here's a sample Sunlife travel insurance claim form with Tugo.
