
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.
Table of contents
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)

And these packages can be completed with optional coverages:
- Sports
- Baggage
- Rental Car protection
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.
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

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

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).

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

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).

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.

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

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
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!

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

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.

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!
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

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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