TUGO
Visitors to Canada Medical Insurance

TuGo — One Word: Coverage

TuGo is known for detailed policies and strong protection that addresses many concerns directly within the plan. It is often chosen for its generous limits and specialty coverage.

Why People Choose TuGo

  • Pregnancy coverage: In some cases, pregnancy benefits may apply after study or work permit activation, which is rare in the market.

  • Coverage from day one: No waiting period for eligible study or work permit holders.

  • High benefit limits: Emergency dental coverage can reach up to $6,000, with flexible overall plan options.

  • Senior-friendly eligibility: Parents over 70 may still qualify for certain plans.

Best For

Study permits, work permits, pregnancy planning, high-coverage needs, and insurance for older parents.

Traveller Travel Insurance – Overview

TuGo Traveller Travel Insurance is designed for Canadian residents who want reliable protection against unexpected medical emergencies, trip disruptions, and travel-related risks while travelling in Canada or abroad. Coverage is available for single trips or multi-trip annual travel, with flexible options to suit different travel needs.

Key Coverage Highlights

  • Canadian residents travelling within Canada or internationally

  • Coverage must generally be purchased before departure

  • Pre-existing medical conditions are subject to stability requirements, which vary by age and trip length

  • Up to $5,000,000 for sudden and unexpected medical emergencies

  • Hospital stays, physician services, diagnostic tests, and ambulance services

  • Prescription drugs (up to 30 days per emergency)

  • Emergency dental treatment

  • COVID-19 medical coverage (subject to eligibility and conditions)

  • Medical evacuation and return to Canada when medically required

  • Follow-up care related to an emergency during your trip

  • 24/7 emergency assistance worldwide

  • Medical evacuation and repatriation services

  • Coverage for travel companions, dependent children, and family support when emergencies occur

  • Telemedicine services (available on certain plans)

  • Airport delay support and assistance services

Trip Cancellation & Trip Interruption (Optional)

  • Reimbursement of non-refundable travel costs if your trip is cancelled or interrupted due to covered reasons such as:

    • Illness, injury, or death

    • Job loss or job transfer

    • Pregnancy-related complications

    • Government travel advisories

    • Flight delays, cancellations, or missed connections

  • Coverage applies before departure (cancellation) and after departure (interruption)

Additional Benefits

  • Emergency accommodation, meals, and transportation expenses

  • Return of pets, baggage, and personal belongings in emergency situations

  • Child care and family transportation benefits

  • Optional add-ons for baggage, rental cars, sports & activities, and cancel-for-any-reason coverage

  • Coverage applies only to sudden and unexpected emergencies

  • Pre-existing conditions, high-risk activities, and certain situations may be excluded

  • Policy terms, limits, exclusions, and stability rules apply

  • Always review the full policy wording before travel

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