TuGo Review (May 2024) – Pros, Cons, Features, & Pricing

This TuGo review will tell you everything you need to know about this travel insurance company’s products and services.

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Last Updated: May 24, 2024


  • Emergency medical travel insurance
  • Travel insurance for visitors to Canada
  • All-inclusive travel insurance

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TuGo has been around for 60 years, helping travellers stay safe, healthy, and happy in Canada and abroad.

TuGo is one of the travel insurance companies in Canada. It offers a wide range of insurance products, such as medical insurance for travel, insurance for trip cancellation and interruption, and emergency travel assistance.

They also provide insurance for visitors to Canada and for Canadian expats living abroad. Through its broker partners, TuGo offers a variety of its own exclusive policies.

If you’re here, it can only mean one thing: you’re curious about what insurance provider TuGo is and whether its services will meet your needs. Well! Allow me to congratulate you because you are in capable hands. This TuGo Review article will assist you in doing so. Continue reading!

What makes TuGo a good option?

TuGo may be a good choice for travel insurance for a variety of reasons, as this first section of our TuGo travel insurance review will indicate:

Comprehensive coverage

TuGo offers comprehensive travel insurance coverage to help you with unexpected travel-related risks.

Whether you’re concerned about emergency medical expenses, trip cancellation or interruption, lost or damaged baggage, or other travel mishaps, TuGo has policies that can provide coverage for these and other risks.


TuGo allows you to personalize your coverage to your individual travel requirements and price range. If you travel frequently, you might opt for a single-trip policy or an annual plan. If necessary, you can also choose extra options for protection, like insurance for adventure sports or rental cars.

Competitive pricing

TuGo offers travel insurance policies at prices that are affordable and fair, so you can get the coverage you need without going over your budget. Here are some of the reasons its pricing is competitive:

  • It’s flexible and adaptive.
  • It provides coverage options that can be customized to meet the requirements of various travellers.
  • There are no additional costs or hidden fees with TuGo’s pricing.

24/7 emergency assistance

TuGo’s round-the-clock emergency assistance allows you to relax and enjoy your holidays with your family or friends. Focusing on quality time will be easier if you know you can get help and support right away if you need it. This service includes:

  • Arranging for emergency medical treatment
  • Coordinating medical transportation
  • Providing medical advice and support
  • Resolving issues with lost passports, cancelled flights and more.


They certainly have a ton of experience under their belts for a company operating since 1964. This gives them an edge over their competitors because, over the years, they have built a strong reputation for providing great coverage and customer service.

User-friendly website and mobile app

TuGo’s website and mobile app are user-friendly. It emphasizes making it simple for you to understand their options. This gives you access to the information and tools you need to manage your insurance coverage.

Multi-lingual support

TuGo’s customer service representatives can assist you in various languages, including French, Spanish, Mandarin, Cantonese, Korean, Punjabi, Hindi, and Tagalog. So, if you speak any of these languages, you can receive support and assistance from TuGo in your preferred language.

Tugo travel insurance - comparewise

Pros and cons of TuGo

This TuGo review will be incomplete without stating the pros and cons associated with using its products and services.

The Pros of TuGo

  • Flexible policy options
  • Simple claims processing
  • Group insurance options available
  • Coverage for adventure activities
  • It provides various travel tips and resources, including guides and safe travel manuals.
  • Customizable travel plans
  • They partner with various travel companies and airlines to provide better benefits.

The Cons of TuGo

  • Some clients may find TuGo travel insurance’s coverage selections insufficient for their needs.
  • TuGo’s rates may be higher for elderly passengers or those with pre-existing medical issues.

TuGo travel insurance policies

This section of the TuGo review will briefly explain the various travel insurance policies available. This includes:

Travel medical insurance

This type of insurance covers unexpected medical costs that may arise while travelling, like emergency care, hospital stays, prescription drugs, and more.

Trip cancellation and interruption

This insurance is meant to cover things that come out of the blue that could make you cancel or cut short your trip.

This may include illness, injury, or other unforeseen circumstances. It can also help you financially by paying back non-refundable trip costs if you cancel or shorten your trip for a covered reason.

Visitors to Canada insurance

TuGo’s Visitors to Canada Insurance is a type of travel insurance designed specifically for foreign visitors to Canada.

This insurance covers unexpected medical expenses incurred while in Canada. This includes emergency medical treatment, hospital stays, prescription medications, etc.

Expatriate insurance

TuGo’s expatriate insurance is designed for people living and working abroad, either temporarily or permanently. This insurance covers any unplanned medical costs that may come up while living outside your home country.

Baggage insurance

If your luggage is lost, stolen, or damaged while travelling and you have baggage insurance through TuGo, you can file a claim.

You can be reimbursed for the cost of the lost or damaged items up to the policy amount. Both your carry-on items and your checked baggage are typically covered.

Visitor to Canada - tugo - 728x90 - comparewise

Accidental death and dismemberment insurance

This type of insurance provides coverage for accidental death or dismemberment while travelling. So far, you have coverage.

You or your beneficiaries can file a claim for a lump sum payment. The amount payable depends on the policy limits and coverage.

How to get started with TuGo

Getting started with TuGo is straightforward and can be completed in just a few steps. This section of our TuGo review will illustrate in a step-by-step method how you can get started with TuGo.

  • Step 1: The first step is to visit TuGo’s website.
  • Step 2: Once on the website, choose the policy that best fits your travel plans.
  • Step 3: Enter your contact information and travel details, such as the departure dates, destination, and the number of travellers.
  • Step 4: Select the coverage options that you need.
  • Step 5: Review your policy. You can also add additional coverage options if needed.
  • Step 6: Go ahead and make payments using the various payment options available.
  • Step 7: You will receive your policy documents via email after making payments. These documents will include your policy number, the details of your coverage, and information about how to file a claim if needed.
tugo review - comparewise

Alternatives to TuGo

Several other insurance providers offer similar insurance products if you’re looking for alternatives to TuGo. Here are some options for you.

Tugo vs Policy Advisor

PolicyAdvisor is one of Canada’s leading insurance brokers that helps Canadians find the best travel insurance policy. With over 20,000 options and 25 companies to compare quotes, you will find travel insurance to suit your needs.

Similarities between TuGo and Policy Advisor

  • Both platforms are entirely online.
  • Both platforms allow users to access customer support and assistance for emergencies or claims.

Difference between TuGo and Policy Advisor

  • TuGo underwrites its policies, while PolicyAdvisor connects users with policies from multiple providers.
  • With TuGo, you get a more comprehensive range of travel insurance policies, while PolicyAdvisor focuses on general travel insurance policies.
  • TuGo offers customizable coverage options, while PolicyAdvisor may not accommodate customizing policies.

TuGo vs Square One Insurance

Square One is an insurance company in Canada that offers travel insurance to Canadians travelling in or out of Canada. Some of its coverage includes:

  • Emergency medical coverage
  • Trip cancellation and interruption
  • Baggage loss or damage coverage

Similarities between Square One and TuGo

  • Canadian companies
  • Provides coverage for Canadian travellers within and abroad
  • Customizable travel options.

Differences between Square One and TuGo

  • Square One doesn’t require a medical questionnaire, but TuGo does.
  • Square One’s coverage is for Canadian residents only, while TuGo extends theirs to some other countries.
tugo travel insurance - comparewise

TuGo review conclusion

Suppose you want to protect yourself against travel-related risks and enjoy peace of mind on vacation. In that case, TuGo can be a great option.

The only significant downside is its higher premiums. However, from the information shared in this TuGo review, I’m sure its pros outweigh its cons and, therefore, are worth every penny!

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FAQs about our TuGo review

When Should I Buy TuGo Travel Insurance?

Buying TuGo travel insurance as soon as you've made your reservations or paid your deposit is best. Your travel insurance policy should cover you from when you leave home until when you return.

Does TuGo Travel Insurance Cover Pre-existing Conditions?

Yes! TuGo may cover some pre-existing medical conditions, but it depends on the policy and the requirement to decide what is covered and how. So, if you have a pre-existing condition, it's essential to disclose it when applying for coverage.

What are TuGo's Exclusions and Limitations?

Just like any other insurance provider, TuGo also has exclusions and limitations. This includes:

  • Pre-existing conditions unless they are stable for a certain period before the effective date of the policy
  • High-risk activities
  • Self-inflicted injuries
  • Illegal activities
  • Travel to high-risk countries
  • Terrorism or war

March 5, 2023
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