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.

TuGo Standout Features

TuGo Advantages & Disadvantages

 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.

 Disadvantages

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

Frequently Asked Questions

how  Age Availability

Q: What are TuGo's visitor policy age limits?

A:

Visitors to Canada Plan	No age limit
Trip Cancellation & Interruption Plan	No age limit
International Student Plan	69 years and under (under 59 years for family members)

Show Stable Pre-existing Medical Conditions

Q: Do the TuGo visitor plans cover stable pre-existing medical conditions?

A: Yes! The Visitors to Canada plan, International Student plan, and Trip Cancellation & Interruption plan cover stable pre-existing medical conditions. Each policy has a different stability requirement. Generate a quote on the left side of this page to check stability requirements.

Show Cost

Q: How does TuGo's Visitors to Canada Plan cost compare to other BestQuote visitor policies?  

A: 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.