TuGo

Products & Services

• Emergency Medical Insurance

  TuGo Emergency Medical Insurance is a travel medical insurance plan designed to help Canadian residents manage the financial impact of unexpected medical emergencies while travelling outside their home province or internationally. If a covered illness or accidental injury occurs during a covered trip, the policy helps pay eligible emergency medical expenses, allowing travellers to receive timely care without facing significant out-of-pocket costs. Coverage may include hospitalization, physician services, emergency transportation by ambulance, prescription medications, emergency dental treatment, medical evacuation, repatriation, and 24/7 emergency travel assistance. The plan is available for Single Trip and Multi Trip Annual travel, giving travellers flexibility based on their travel frequency. One of its most valuable features is up to $5 million in emergency medical coverage combined with global 24/7 emergency assistance, providing comprehensive protection and support wherever your travels take you. Coverage limits, eligibility, pre-existing medical condition provisions, exclusions, benefit amounts, and policy terms are subject to the selected policy and certificate of insurance.

• TuGo Visitors to Canada Emergency Medical Insurance

  TuGo Visitors to Canada Emergency Medical Insurance is a travel medical insurance plan designed for visitors, tourists, new immigrants, returning Canadians, and individuals entering Canada who require emergency medical coverage during their stay. If a covered illness or accidental injury occurs while in Canada, the policy helps pay eligible emergency medical expenses, reducing the financial burden of unexpected healthcare costs. Depending on the selected plan, coverage may include hospitalization, physician services, diagnostic testing, ambulance transportation, prescription medications, emergency dental treatment, medical evacuation, repatriation, and 24/7 emergency travel assistance. The plan offers flexible coverage periods and benefit limits to accommodate different lengths of stay and travel needs. One of its most valuable features is up to $5 million in emergency medical coverage with flexible policy durations, making it suitable for short visits, extended stays, and many Super Visa insurance requirements when the selected coverage meets government criteria. Coverage limits, deductibles, pre-existing medical condition provisions, eligibility, exclusions, and policy terms are subject to the selected policy.

• TuGo Trip Cancellation & Trip Interruption Insurance

  TuGo Trip Cancellation & Trip Interruption Insurance is a travel insurance plan designed to protect travellers from financial losses when unexpected events force them to cancel a trip before departure or interrupt a trip after it has begun. If a covered event occurs, the policy may reimburse eligible prepaid, non-refundable travel expenses such as airfare, accommodations, tours, and other insured travel arrangements. For interruptions that occur during a trip, the policy may also help cover additional transportation costs, unused travel services, and other eligible expenses required to continue or return from the journey. One of its most valuable features is its comprehensive protection before and during travel, helping travellers recover eligible non-refundable expenses and unexpected transportation costs caused by covered events. Coverage limits, covered reasons, benefit amounts, exclusions, waiting periods, eligibility requirements, and policy provisions are subject to the terms and conditions of the selected policy.

• Trip Interruption Insurance

  TuGo Trip Interruption Insurance is a travel insurance plan designed to provide financial protection when an unexpected covered event forces a traveller to interrupt or shorten a trip after departure. If a trip cannot continue as planned due to a covered reason, the policy may reimburse eligible additional transportation costs, unused prepaid travel arrangements, accommodations, and other covered expenses incurred while returning home or continuing the journey. This coverage helps reduce the financial impact of unforeseen events, allowing travellers to focus on resolving the situation rather than unexpected travel costs. One of its most valuable features is its ability to reimburse eligible expenses incurred after a trip has already begun, helping travellers recover financially when unexpected events disrupt their travel plans. Coverage limits, covered reasons, benefit amounts, exclusions, eligibility requirements, and policy provisions are subject to the terms and conditions of the selected policy.

• All Inclusive Holiday Package

  TuGo All Inclusive Holiday Package is a comprehensive travel insurance package that combines emergency medical coverage with protection against a wide range of travel-related risks in a single policy. Designed for Canadian travellers, the package helps safeguard both your health and your travel investment before and during your trip. Depending on the selected plan, coverage may include Emergency Medical Insurance, Trip Cancellation, Trip Interruption, Flight & Travel Accident, Baggage Protection, and Flight & Travel Delay benefits. By combining multiple coverages into one policy, travellers can enjoy convenient, broad protection while travelling within Canada (outside their home province) or internationally. One of its most valuable features is the convenience of having comprehensive medical and non-medical travel protection in one integrated package, eliminating the need to purchase multiple separate policies. Coverage limits, benefit amounts, eligibility, optional coverages, exclusions, pre-existing medical condition provisions, and policy terms are subject to the selected policy.

• Student Travel Insurance

  TuGo Student Insurance is a medical insurance plan designed for international students studying in Canada and Canadian students studying abroad who require comprehensive health coverage during their educational journey. The plan helps protect students against the financial impact of unexpected illnesses and accidental injuries by covering eligible emergency and medically necessary healthcare expenses. Depending on the selected policy, coverage may include hospitalization, physician services, diagnostic testing, prescription medications, ambulance transportation, emergency dental treatment, medical evacuation, repatriation, and access to 24/7 emergency assistance. The plan is designed to provide reliable healthcare protection throughout an eligible period of study, giving students and their families greater peace of mind. One of its most valuable features is comprehensive medical coverage tailored specifically for students, providing continuous protection throughout their academic program in Canada or abroad. Coverage limits, eligibility, benefit amounts, pre-existing medical condition provisions, exclusions, and policy terms are subject to the selected policy.

• Accidental Death & Dismemberment (AD&D) Insurance

  TuGo Accidental Death & Dismemberment (AD&D) Insurance is a travel accident insurance plan that provides a lump-sum benefit if an insured traveller suffers a covered accidental death or a qualifying accidental dismemberment while travelling. The policy is designed to help provide financial support to the insured or their beneficiaries following a serious accident during an eligible trip. Depending on the policy terms, benefits may be payable for accidental loss of life, loss of limbs, loss of sight, or other covered permanent losses resulting directly from an accident. One of its most valuable features is the payment of a predetermined lump-sum benefit for covered accidental death or specified permanent injuries, helping reduce the financial impact of a serious travel accident. Benefit amounts, covered losses, exclusions, eligibility requirements, and policy provisions are subject to the terms and conditions of the selected policy.

• Non-Medical Package

  TuGo Non-Medical Package is a travel insurance package designed to protect travellers against financial losses related to unexpected travel disruptions rather than medical emergencies. This package helps safeguard the cost of a trip by providing coverage for eligible non-medical travel expenses resulting from covered events before or during travel. Depending on the selected policy, benefits may include Trip Cancellation, Trip Interruption, Flight & Travel Accident Insurance, Baggage Protection, and Flight & Travel Delay coverage. It is an ideal option for travellers who already have adequate emergency medical insurance but want comprehensive protection for their travel investment. One of its most valuable features is combining multiple non-medical travel benefits into a single policy, allowing travellers to protect their prepaid travel expenses and travel arrangements without purchasing emergency medical coverage. Coverage limits, covered events, benefit amounts, eligibility requirements, exclusions, and policy terms are subject to the selected policy.

• Multi-Trip Annual Emergency Medical Insurance

  TuGo Multi-Trip Annual Emergency Medical Insurance is an annual travel medical insurance plan designed for Canadian residents who travel multiple times throughout the year. Instead of purchasing a separate policy for every trip, this plan provides emergency medical coverage for an unlimited number of eligible trips during a 12-month policy period, with a selected maximum duration for each individual trip. Depending on the chosen plan, coverage may include eligible emergency hospitalization, physician services, diagnostic tests, prescription medications, ambulance transportation, emergency dental treatment, medical evacuation, repatriation, and 24/7 emergency travel assistance. One of its most valuable features is providing unlimited trips for one full year under a single policy, making it a convenient and cost-effective solution for frequent travellers. Coverage limits, maximum trip duration, eligibility requirements, benefit amounts, exclusions, pre-existing medical condition provisions, and policy terms are subject to the selected policy.

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