While some companies use these terms in slightly different ways, top-ups and extensions refer to extending existing coverage by purchasing some extra days coverage to accomodate a lengthier trip.


Often, it can be cost effective to purchase an annual (otherwise known as a 'multi-trip') plan that allows for multiple trips up to a certain maximum number of days at any time during the one year that is covered by the plan. So, for example, a company may offer an annual plan with 8, 15, 30 or 60 day options to choose from for the maximum trip duration. Generally, the longer the maximum trip duration you choose, the higher the premium.

A person may enjoy the idea of being covered for multiple cross-border shopping trips, or  multiple golfing trips over the next year. If they have an annual plan that only offers trips of up to 8 days, and then they decide to go on a 30 day vacation during that same year, they can purchase a single trip plan for 22 days to 'top-up' their annual plan.

Our quote system will retrieve a quote for these 'top-up' purchases. Instead of choosing 'single-trip' or 'multi-trip' on the quote request form, choose 'top-up', and then enter the number of days maximum trip duration allowed under your existing multi-trip annual plan. The additional days purchased may be subject to a minimum fee.

Some companies only allow top-ups to be purchased when topping up one of their own annual plans. If you require purchasing top-up days for an existing plan, it may be best to contact your insurance company directly to inquire and purchase the extra few days you need. We have provided the numbers below to call in order to speak with any of the companies we carry.

If you would like to purchase an annual plan with a short maximum trip duration and extra top-up days because your first trip is much longer please call us toll-free at 1-888-888-0510 and we will assist you.


An extension may be purchased after you have already departed your province, as long as your current policy has not expired, and certain conditions are met. What happens when you have a multi-trip plan that only allows trips of up to 15 days and plans change? You are mid-trip and now you need an extra 7 days coverage? Your plan may be extended depending on the terms and conditions listed in the policy. For example, some companies require that you notify them more than 48 hours before the expiry of your existing multi-trip or single trip coverage.Other companies only allow coverage to be extended if there are no claims outstanding on the plan that you will be extending.

To get an extension, all companies will require you call them prior to your current coverage coming to an end.  To receive approval for an extension, you must contact the insurance company that you have your current coverage with before any time requirement spelled out in your policy document. We have provided the numbers below to call in order to speak with any of the companies directly:


1-888-881-8010 toll-free from the USA and Canada; +1-519-945-8346 collect to Canada from anywhere else in the world.  The Assistance Centre is ready to assist you twenty-four (24) hours a day, 365 days a year.

Travel Guard

If you choose to extend your trip, beyond your scheduled return date you may apply for a policy extension subject to the policy conditions. Contact us at 1-866-878-0191 during business hours or call collect at 416-646-3723.


From Canada and U.S., call TOLL FREE 1-800-715-8833;  From Mexico, call TOLL FREE 001-800-514-7798;  From Australia, call TOLL FREE 1-800-002-554; From the Dominican Republic, call TOLL FREE 1-888-751-4335; From anywhere, call COLLECT + 1-819-566-8839.


Call during business hours: Toll free Canada/U.S.A.: 1-844-310-1578 ; Toll free worldwide: 800-842-08420 or 00-800-842-08420.  If unable to contact us through the toll free numbers call collect: 519-514-0355


For questions regarding your TravelStar® policy call toll free during general business hours: 1-800-667-3699 or try toll free 1-800-459-6604 (within Canada & USA) or call Collect: 416-260-4970 (from all other locations).


You can extend your period of coverage before your Policy expires by calling TuGo during general business hours. To extend your period of coverage while travelling, simply call us: From Canada & USA 1-855-929-8846; From Mexico 001-800-514-9976; Outside N. America & Mexico (global toll-free) 800-663-00399;  Worldwide (collect) 604-276-9900