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tugo travel insurance

Tugo travel insurance: 15 months for the price of 12!

To the point Tugo Travel Insurance is great for Canadian residents, seniors, students and visitors to Canada. Find out more about it.

Until September 30, 2020, Tugo, our travel insurance partner, has an exciting offer: 15 Months of Travel Coverage for the Price of 12!

Before seeing all the details of this promotion at the end of this post, here’s our review on Tugo Travel Insurance.

Introducing Tugo Travel Insurance

The COVID-19 pandemic reminded us that having travel insurance is essential and should be part of the travel budget. While some credit cards have great insurance, dedicated travel insurance may be required.

Far too many travellers think they are safe or covered by provincial healthcare. But as soon as you leave your province or country, your full provincial healthcare plan won’t go with you! You will then have to arrange for care and pay the expenses that may arise.

Tugo Travel Insurance has 3 types of insurance packages:

  • The Non-Medical Package
  • The All Inclusive Holiday Package
  • The Visitor to Canada Package

You can get some insurance separately, such as:

  • Emergency medical insurance
  • Hospital/medical insurance (students)
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And these packages can be completed with optional coverages:

While optional coverage for sports and activities is attractive, baggage or rental car coverages are more worthwhile with some credit cards.

Before you see the different coverages in detail, here is a general overview of the 3 Tugotravel insurance packages.

Choice of insurers

Tugo does business with several providers. You’ll have a choice to make when defining your province of residence. For example, for Quebec, Tugo works with:

  • Allstate
  • Industrial Alliance
  • Ogilvy

If the rates are pretty much the same for emergency medical insurance, it can vary for the different packages. We, therefore, encourage you to compare the different providers.

The 3 Tugo Travel Insurance Packages

Tugo Non-Medical Package

Tugo’s non-medical package includes:

Insurance Coverage
Trip Cancellation Insurance up to $10,000
Trip Interruption Insurance up to $25,000
Accidental Death & Dismemberment $100,000
Baggage $500

To apply for this insurance, you must be:

  • a Canadian resident
  • insured under the provincial or territorial health insurance plan of your province or territory of residence, or eligible for its benefits
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Tugo All Inclusive Holiday Package

Tugo’s All Inclusive Holiday Package includes:

Insurance Coverage
Emergency medical insurance (worldwide) $5,000,000
Trip Cancellation Insurance up to $10,000
Trip Interruption Insurance up to $25,000
Accidental Death & Dismemberment $100,000
Baggage $500

To get this insurance, you must be:

  • a Canadian resident
  • aged 59 and under
  • insured or eligible for benefits offered by your province’s or territory of residence health insurance plan

An example for Canadian residents travelling within Canada

Here is the rate for a typical case:

  • A couple of travellers with their two children
  • Living in Quebec and visiting British Columbia
  • For a period of 2 weeks
tugo travel insurance

Several options are then offered:

  • Emergency medical insurance for travel within Canada Only: $33.45
  • Non-medical package only: $280*
  • Canada Vacation Package: $416*

* For these two packages, we indicated $1,000 as the total cost of the trip per traveller (or $4,000 for this family).

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Tugo Visitor to Canada Package

Tugo’s visitor to Canada package includes:

Insurance Coverage
Emergency Medical insurance for visitors to Canada up to $150,000
Trip Cancellation Insurance up to $20,000
Trip Interruption Insurance up to $25,000
Accidental Death & Dismemberment $100,000
Baggage $500

To get this insurance, you must be:

  • a visitor to Canada
  • an immigrant or Canadian returning home waiting for their provincial healthcare to take effect

An example of Tugo Visitor to Canada Package

Here is the rate for a typical case known to many UK people living in Canada:

  • A 70-year-old English grandmother
  • Visiting her children and grandchildren in Canada
  • for a period of 2 weeks
  • Hosted by the family
tugo travel insurance

Several options are then offered:

  • Emergency visitor medical insurance in Canada Only: $142.35
  • Non-medical package only: $102*
  • Visitor to Canada package: $289*

For these two packages, we indicated $1,200 as the total cost of the trip per traveller (the typical cost of a flight from Europe).

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Tugo Travel Insurance Coverage

Tugo's Emergency Medical Insurance

Tugo’s emergency medical insurance includes:

  • licensed ambulance
  • emergency dental expense
  • prescription drug reimbursement
  • expenses to bring a family member to your bedside if hospitalized
  • board and lodging for you or your travelling companion while confined to a hospital
  • escorting home of insured children
  • and more.

Tugo Visitor to Canada Medical Insurance

Tugo’s visitor to Canada medical insurance includes:

  • medical transport,
  • Emergency dental services,
  • prescription drug reimbursement
  • Additional living expenses for your travel companion while you are hospitalized,
  • and more.

Tugo's trip cancellation and trip interruption insurance

Risks covered in Tugo’s trip cancellation and trip interruption insurance are:

  • unexpected sickness, injury, and/or death of you, your travelling companion, immediate family or your travelling companion’s immediate family
  • natural disaster
  • travel advisory
  • subpoena
  • involuntary job loss,
  • missed connection
  • the non-issuance of a travel visa

Tugo Accidental Death and Dismemberment Insurance

Purchase this insurance as an annual multiple travel policy or single trip.

The benefit limit is $100,000.

Ambulance

Optional Tugo Travel Insurance Coverage

Tugo's activities and sports insurance

Tugo Travel Insurance is one of the few in Canada to offer optional coverage of sports and activities when you travel.

Here are the three types offered, as well as the excluded activities.

Contact sports coverage

Tugo’s optional coverage is up to $5,000,000 for the following contact sports:

  • Australian football
  • Boxing
  • Football
  • Ice Hockey
  • Lacrosse
  • Rugby

Extreme sports coverage

Tugo’s optional coverage is up to $500,000 for the following extreme activities:

  • Base Jumping
  • Bull Riding/Bull Fighting
  • Scuba Diving or Free Diving over 30m
  • Motorized Speed Contests
  • Motorized X Game Sports (or those sports in similar type events)
  • Mountaineering over 6,000m
  • Rodeo
  • Running with the Bulls
  • Scuba Diving (if not certified by an internationally recognized and accepted program)
  • Scuba Diving or Free Diving over 30m
  • Ultimate Fighting & Mixed Martial Arts
  • Wingsuit Jumping/Wingsuit Flying

Adventure sports coverage

Tugo’s optional coverage is up to $5,000,000 for the following adventure activities:

  • Flying as a pilot or passenger in a glider or ultralight
  • Backcountry Snowshoeing
  • Bobsledding
  • Canyoning/Canyoneering
  • Downhill Freestyle Skiing/Downhill Snowboarding in Organized Contests
  • Downhill Longboarding
  • Downhill Mountain Biking
  • Downhill Skating
  • Endurance Activities over 6 hours
  • Hang Gliding
  • High Risk Snowmobiling
  • Ice Climbing
  • Luge/Skeleton
  • Mountaineering up to 6,000m
  • Non-motorized X Game Sports
  • Parachuting/Skydiving/Tandem Skydiving
  • Paragliding/Parapenting
  • Paramotoring
  • Parasailing/Parascending over Land
  • Snow Kiting
  • Stunt/Aerobatic Flying
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Excluded activities

Excluded from the optional coverage of Tugo, activities of Training, Instruction, Participation, or Practice Out-of-bounds:

  • skiing
  • snowboarding
  • snowshoeing
  • non-motorized snow-biking

Tugo's baggage insurance

Tugo’s baggage insurance pays for the loss, damage, destruction or theft of your personal effects while:

  • in transit
  • in any hotel or any other building
  • en route anywhere in the world, on water, land or in the air

Tugo rental car protection

This protection covers physical damage to, or loss of, a leased/rented automobile. You must have a valid driver’s license.

Rental car protection benefit limit: $50,000

Credit card insurance

Here it will be more interesting to use your credit card insurance as the coverage will be higher: from $65,000 to $80,000 depending on the credit cards.

Limited Time Offer: 15 months for the price of 12!

Until September 30, 2020, Tugo, our travel insurance partner, has an exciting offer: 15 Months of Travel Coverage for the Price of 12!

tugo travel insurance

And you have the flexibility to buy up to 1 year IN ADVANCE of your trip start date.

For example, here is a simulation for Emergency medical insurance worldwide:

  • starting date: March 1, 2021
  • 15 months until May 31, 2022
  • for several annual trips
  • 60-day total travel
  • for a family of two adults and two children
tugo travel insurance

The around the world emergency medical insurance rate is $422 for the whole family (with a deductible of US$300 and a medical benefit limit of $10,000,000).

Here are the details of this coverage:

  • Annual coverage for multiple trips throughout the year limited to the number of days chosen.
  • Automatic travel within Canada outside of your home province. When travel is within Canada, coverage is automatically provided beyond the maximum number of days chosen at the time of purchase, but is still limited to the expiry date of the policy.
  • This insurance provides coverage in case of injury or sickness requiring an emergency hospital stay or emergency medical treatment while travelling outside your home province anywhere in the world.
  • Benefits include licensed ambulance, emergency dental expense, prescription drug reimbursement, emergency medical transport, family transportation expense, board and lodging for you when your travelling companion is confined to hospital, escort home of insured children and more.
Tugo Offer

To perform a simulation and benefit from this promotion, visit the Tugo website!

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Credit card payment

You can pay for your Tugo travel insurance with your credit card:

  • American Express
  • Mastercard
  • Visa

It’s a great way to earn points, or even unlock a welcome bonus!

Get a refund before you travel

Be aware that if you cancel your travel plans, it is possible to get a full refund of your travel insurance. To do so, call Tugo at 1-855-929-8846.

Tugo Travel Insurance FAQs

On the Tugo website, you will find a complete FAQ, including on COVID-19 related issues.

Like most travel insurance, Tugo does not cover travel outside of Canada at this time because:

  • COVID-19 pandemic is a known situation for travellers
  • The Canadian government has issued a travel warning (avoid non-essential travel outside of Canada)

On the other hand, you are covered for:

  • Travel within Canada
  • any other medical emergency not related to COVID-19
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Conclusion

Tugo offers customizable and comprehensive travel insurance.

If high-end credit cards can cover you for most situations, including travel interruption/cancellation insurance – such as these best credit cards in Canada for travel insurance – they can:

  • be inaccessible for people with incomes of less than $80,000
  • have limits on the number of days outside the province of residence
  • have age limits
  • have exclusions for certain blankets

It is then prudent to get travel insurance like Tugo’s to be well protected. Especially since until September 30, 2020, it is possible to get 15-month insurance for the price of 12!

If you plan to travel to Canada this year, or abroad in 2021 or 2022, this is an offer not to be missed!

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