Is TuGo Travel Insurance right for you? Review 2024

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Sunny Yadav updated on 19 October 2023

Finding good travel insurance that offers comprehensive coverage is a daunting task. They always lack one thing or the other. But we've got you covered.

Among the host of options available in the market, TuGo travel insurance could be an option to consider. But is it the right fit for you?

To help you with that, we bring you this review of TuGo travel insurance, its coverage, pros and cons, claims process, and everything you need to know. You can also compare its coverage with different providers and get quotes so you can get a travel insurance that suits you the best.

TuGo travel insurance: 5 Key Takeaways

  1. It offers comprehensive coverage, including emergency medical expenses, trip cancellation/interruption and baggage loss.
  2. TuGo's plans offer many advantages, such as ease of purchase and multi-trip options.
  3. TuGo's MyFlyt Service grants travellers automatic access to airport lounges at no cost.
  4. TuGo has specific guidelines for coverage of pre-existing medical conditions.
  5. Compare coverage of different providers and get free quotes using HelloSafe comparator.

Our review of TuGo travel insurance Canada

TuGo Travel Insurance is a reputable travel insurance company based in Canada, which offers various insurance plans to cover individuals, families and businesses during their trips.

But who underwrites TuGo travel insurance? TuGo Travel Insurance is underwritten by Industrial Alliance Insurance and Financial Services Inc. (iA Financial Group), one of Canada's largest insurance and financial services companies.

TuGo provides coverage for emergency medical expenses, trip cancellation/interruption, baggage loss and other travel-related incidents. It provides generous emergency medical coverage of $10 million and also provides the Cancel for Any Reason (CFAR) upgrade. Unlike other insurance, TuGo covers adventurous sports through an optional rider.

TuGo is an ideal travel insurance for snowbirds or frequent young travellers who also seek adventure activities, however it's all-inclusive plans are only available for those aged 59 years and under, making it not the best choice for older adults.

We have collated the top pros and cons of TuGo travel insurance in Canada to help you make an informed choice. Take a look here!


  • Comprehensive coverage
  • Emergency medical coverage
  • Multi-trip plans for frequent travellers
  • Ease of purchase — online or through their customer service representatives


  • High premiums
  • Pre-existing conditions (unstable) not covered
  • Delays or difficulties in claims as per TuGo travel insurance reviews
  • Age limit of 59 for all-inclusive package
  • People above 59 need to take medical questionnaire

If you think TuGo could be the right choice for you and you'd like to explore the plans, you can do so by getting a free personalised quote right here in no time.

Types of TuGo travel insurance

TuGo travel insurance for seniors

Travel insurance for seniors is designed specifically for senior Canadians or older travellers. It provides coverage for emergency medical expenses, trip cancellation/interruption, baggage loss and other travel-related incidents. Since seniors may have unique health considerations, this plan may include specialized medical coverage suitable for their age group.

TuGo student travel insurance

Geared towards students travelling internationally for study abroad programs or other educational purposes, this insurance plan covers emergency medical expenses, medical evacuation and other travel-related contingencies. It aims to offer affordable and comprehensive coverage for young travellers pursuing educational opportunities overseas.

TuGo travel insurance for Canadian citizens

This type of coverage is tailored for Canadian citizens travelling within Canada or abroad. It provides coverage for medical emergencies, trip cancellations, baggage loss and other unforeseen events that may occur during their travels.

TuGo travel insurance for visitors

If you are a non-resident or visitor to Canada, TuGo offers travel insurance plans designed to provide coverage during your stay in the country. This plan includes emergency medical coverage, trip cancellation/interruption and other benefits for visitors to Canada.

TuGo travel insurance coverage: What does it cover?

The specific coverage may vary depending on the plan you choose, but here are some common types of coverage that TuGo Travel Insurance typically provides:

  • Emergency medical coverage: This coverage takes care of medical expenses if you experience an injury or sudden illness during your trip. It can include hospitalization, doctor's visits, prescription drugs and emergency medical evacuation if required.
  • Trip cancellation and interruption: If you need to cancel or cut short your trip due to covered reasons such as illness, injury or other unforeseen events, this coverage can reimburse you for non-refundable trip expenses.
  • Baggage loss and delay: This coverage compensates you for lost, stolen or damaged baggage during your trip. It may also offer benefits for delayed baggage, providing funds for essential items while waiting for your luggage to arrive.
  • Travel delay: If your trip is delayed for a specified period due to reasons beyond your control (e.g., inclement weather or airline strikes), TuGo may provide reimbursement for additional expenses incurred during the delay.
  • Accidental death and dismemberment (AD&D): In the unfortunate event of accidental death or permanent injury during your trip, this coverage can provide financial benefits to you or your beneficiaries.

Some TuGo travel insurance plans may offer coverage for rental car-related incidents, such as collision damage or theft. Also, TuGo includes round-the-clock travel assistance services to help travellers with emergencies, medical coordination and travel-related inquiries. TuGo also covers Covid-related travel insurance needs.

TuGo medical questionnaire for travellers over 60

It’s a standard part of the insurance application process to help the insurance provider assess the traveller's health status and determine if any pre-existing medical conditions need to be considered for coverage. The questions in the questionnaire typically inquire about pre-existing medical conditions, medical history, medications, overall health status and more.

What is TuGo MyFlyt Service?

It grants you automatic access to an airport lounge when your flight faces a delay of two hours or more. To avail this benefit, you need to register your flight at least one hour before the originally scheduled departure time.

In the rare event that the airport lounge is overbooked or unavailable, you will receive a prompt $40 cash payout via Interac, PayPal or bank transfer. Bank transfers may take up to 72 hours, depending on your bank.

This valuable service from TuGo comes at no additional cost and is accessible to all individuals covered under TuGo travel insurance, even without trip interruption coverage. Tugo travel insurance reviews from customers claim this service adds great value to their experience.

We recommend that you compare the coverage of TuGo travel insurance with other providers before deciding what's best for you. You could simply use our comparator below to compare coverages of different insurance providers and also get free quotes.

Compare the best travel insurance plans on the market!

Get a quote

What is not covered by TuGo travel insurance?

Again, the exclusions may depend on your insurance policy. You may get some extra coverage options as add-ons by paying more, but here are some common examples of what might not be covered by TuGo Travel Insurance:

  • Pre-existing medical conditions
  • High-risk activities, such as skydiving and bungee jumping
  • Non-medical evacuation
  • Intoxication and substance abuse
  • Travelling against medical advice
  • Loss of unattended belongings
  • Incidents related to acts of war, terrorism or civil unrest
  • Self-inflicted injuries

How does coverage of TuGo travel insurance pre-existing conditions work?

TuGo has specific guidelines regarding coverage for pre-existing medical conditions. To be eligible for coverage, a medical condition must be considered stable for a defined period.

A medical condition is considered stable when the following conditions are met:

  • No deterioration of the medical condition, as confirmed by a physician or registered medical professional.
  • No new symptoms or findings, nor an increase in frequency or severity of existing symptoms or findings.
  • No change in treatment by a physician or registered medical practitioner.

TuGo will not provide benefits or services in the following situations:

  • For those aged 59 years and under, on trips <35 days, any medical condition that is not stable within seven days before departure.
  • Meanwhile, for people aged 59 years and under, on trips >35 days, any medical condition that isn't stable within 90 days before departure.
  • For those aged 60 years and over, on trips of any length, any medical condition that is not stable within 180 days before departure.

How much does TuGo travel insurance cost?

Several factors, including the trip cost, your age, and the selected coverage amount influence the plan pricing. Here's a sample quote for your reference to give you an idea of the expenses:

Traveller(s)DestinationAll-Inclusive Holiday PackageNon-Medical PackageEmergency Medical Trip InterruptionAccidental Death & DismembermentTrip Cancellation & Trip Interruption
Couple, age 27
Mexico, 7 days, $3,000 trip cost$334.00$224.00$55.11$66.00$33.74$208.00
Individual, age 50
UK, 10 days, $3,500 trip cost$356.63$276.51$69.60$33.00$16.87$300.38
Couple, age 65
Italy, 21 days, $8,000 trip cost $588.40$273.86$66.00$33.74$587.80
TuGo travel insurance cost

If you'd like to compare the prices of TuGo policies with others, you could use our comparator below to compare coverages, pricing and offers of the best travel insurances in Canada and also get free quotes in no time.

Compare the best travel insurance plans on the market!

Get a quote

How to file a claim with TuGo travel insurance?

To initiate a claim, access the online claim system at Then, simply log in using your policy number. Complete the necessary forms, which can be printed and submitted via email or mail. TuGo advises submitting your claim form within 60 days from the date of treatment. Here’s what you can do to make a claim in different cases:

Making emergency medical claims

Provide detailed information, ensuring that you include all itemized bills and receipts, containing:

  • Your full name
  • Date(s) of service
  • Amount charged
  • Types of service/diagnosis
  • Prescriptions with itemized pharmacy-issue receipts

Making trip cancellation/interruption claims

Keep the following documents handy for submission:

  • Original unused tickets or e-tickets
  • Original invoices and receipts from your travel suppliers with proper dates and amounts
  • Copy of originally scheduled travel itinerary
  • Proof of cancellation from all airlines, hotels, tour operators, cruise lines and other travel suppliers for unused expenses
  • A statement from travel agency, airline or travel supplier documenting their refund policy, with copies of all refunds and/or credits for cancelled or unused expenses
  • A medical certificate for any claim before departure, stating the diagnosis, onset of symptoms, dates, type of treatment and the reason why travel was not possible. If the claim is after departure, provide the reason why it was necessary to interrupt the trip.

Making baggage insurance claims

Get the following documents ready for submission:

  • Proof that lost, stolen or damaged baggage was reported to relevant authority (e.g., police, hotel manager, vacation rental, airline)
  • Some proof of loss — a police report will do
  • A written estimate from a repair shop on the repair cost (if baggage is damaged)

How to contact TuGo travel insurance?

In case of an emergency, call TuGo on the following numbers:

  • From Canada and USA call TuGo travel insurance phone number: 1 800 663-0399
  • From Mexico: 001 800 514-9976 / 800 681-8070
  • Worldwide (collect): 604 278-4108

For claims, you can call 1-800-663-0399 or email TuGo at [email protected]. For all other travel insurance inquiries, use this number 1-855-929-8846 or email [email protected].


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Sunny Yadav Copywriter

Sunny has over six years of experience curating engaging content spanning across industries. Specifically in finance, his expertise is insurance reviews and lending and investment topics.