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Trusted by millions of Canadians, visitors to Canada and international students to support them in their travels within Canada and across the globe, TuGo is one of the nation’s top travel insurance providers. Since 1964, TuGo has been proudly Canadian-owned and operated, specializing in travel insurance products & in-house services including 24/7 emergency medical assistance, claim administration and customer service, with support in 27 languages.


  • You can start the claims process online
  • You can opt to have your multi-trip annual plan renewed automatically, if you’re age 58 or younger
  • Most plans don’t have a maximum age limit, except for all family plans and all-inclusive plans, which have an age limit of 59 years and under (medical questionnaire required for travellers aged 60+)
  • Pre-existing conditions are automatically covered for Travel Within Canada plans.
  • You can lower your stability period for Pre-existing conditions down to 7days+ for an additional premium
  • You can get add-on optional sports coverage. Coverage is based on risk level; from contact sports to adventure sports to extreme sports.


  • You must be 59 or under to get all-inclusive holiday insurance and family plans (though other plans have no maximum age).

TuGo plans

TuGo offers several plans for Canadians, including Emergency Medical Insurance, Non-Medical Package, All Inclusive Holiday Package, Trip Cancellation/Trip Interruption Insurance, Trip Interruption Insurance, Accidental Death & Dismemberment Insurance, and Baggage Insurance. Most plans can be purchased either as a single trip plan or a multi-trip policy.

They offer a Visitors to Canada Medical plan, Trip Cancellation and Interruption together, Trip Interruption alone and Accidental Death and Dismemberment.


You can extend your coverage, but you must contact TuGo before your coverage expires. Conditions and fees may apply.

Cancellation and Refunds

For Single Trip and Multi-trip (annual) Travel Medical policies, you can cancel your policy and get a full refund within 10 days of purchasing your policy, as long as you haven’t left on your trip or filed a claim. This doesn’t apply to policies with trip cancellation or trip interruption, or packages. Check your policy for specific details and requirements.

You Need To Know

  • You can start a claim online
  • You must be a resident of Canada and be covered by a Canadian government health plan (for plans for Canadians)
  • You must purchase insurance while in your home Province before you leave on your trip
  • Your trip must start and end in Canada
  • Policies and coverage can change at any time, without warning. This article is only intended as general advice. Please check your own policy carefully.

How To Learn more

Learning more about TuGo insurance online is easy. You simply enter some basic information, and can compare policies and more in under 10 minutes. Learn more about TuGo travel insurance here.

Want to Compare TuGo Travel Insurance Rates?

The easiest way to compare Canadian travel insurance rates is to use a comparison website.

Comparison websites, like BestQuote Travel Insurance, let you compare quotes for travel insurance from several different companies at once. Type in a few details about your trip, and compare policy coverage and prices to help narrow down your choice.

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