TuGo Visitors Insurance Review

TuGo Visitors to Canada Insurance

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.

Trophy icon demonstrating popularity

TuGo is popular with Super Visa applicants aged 75+

Trophy icon demonstrating popularity

TuGo is popular with IEC visa applicants aged under 59


TuGo Standout Features

Star icon representing standout features

Child Care

$5,000/day to max $5,000

(Visitors to Canada Plan)

Star icon representing standout features


Up to $25,000

(International Student Plan)

Star icon representing standout features

Trip Interruption

Up to $25,000

(Trip Cancellation & Trip Interruption Plan)

TuGo Advantages & Disadvantages

Pros icon Advantages

  • 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.
  • The International Student Plan offers a range of quality benefits: 
    • Fracture treatment 
    • Tutorial services
    • Paramedical services
    • Nurse or attendant 
  • 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.

Cons icon Disadvantages

  • $250 cancellation fee if no supporting documentation (visa denial) is available.
  • Premiums are higher than most other plans.

Frequently Asked Questions