TuGo Visitors to Canada Insurance Review
TuGo (formerly Travel Underwriters) is a travel insurance specialist and one of the larger providers in Canada. Based in BC, they have offered travel insurance services since 1964, and service some of the largest corporate accounts in Canada. They offer a wide range of travel insurance products, including visitors to Canada insurance, through a wide distribution network including over 2500 agents.
TuGo is popular with Super Visa applicants aged 75+ and IEC Visa applicants aged under 59.
TuGo Standout Features
Child Care
Child care coverage for $50/day and up to a total of $5000. (Visitors to Canada Plan)
Maternity
Coverage for maternity of up to $25,000. (International Student Plan)
Trip Interruption
Coverage for trip interruption insurance for up to $25,000. (Trip Cancellation & Trip Interruption Plan)
TuGo Advantages and Disadvantages
| Advantages | Disadvantages |
|---|---|
The Visitor to Canada plan offers one of the best overall set of secondary benefits of the plans available in Canada:
- Up to a semi-private room rate for hospitalization;
- Allowance for follow-up visits after an emergency;
- Higher benefit limits for dental, funeral, and out-of-pocket expenses;
- Accidental Death and Dismemberment, as well as Air Flight Accident benefits. | $250 cancellation fee if no supporting documentation (visa denial) is available. |
The International Student Plan offers a range of quality benefits:
- Fracture treatment
- Tutorial services
- Paramedical services
- Nurse or attendant | Premiums are higher than most other plans. |
Coverage is available for stable pre-existing medical conditions with a
stability period between 90 and 365 days. | |
A trip break is permitted for travellers who may require a quick return home
before returning to Canada without needing to cancel and repurchase coverage. | |
Up to $500,000 maximum coverage is available, twice that of most other plans. | |
TuGo offers a trip cancellation and interruption plan for visitors to Canada
which most other visitor to Canada insurers do not offer. |
TuGo Costs
We created a bar chart to show you how TuGo's Visitors to Canada Plan cost compares to other BestQuote visitor to Canada policies in 4 age categories: 25, 40, 55, and 75.
We compared each policy on December 06, 2023, with the following fixed criteria:
Visitors to Canada category
$100,000 coverage
$0 deductible
1-year policy
The bar chart below compares the TuGo Visitor to Canada policy against the average cost of all policies available to visitors to Canada in 4 age categories. Each visitor to Canada policy has a rank assigned based on cost. The lowest cost policy is number 1, and 25 is the highest.
