TuGo Travel Insurance Review
TuGo is a popular Canadian travel insurer known for offering flexible coverage options, multiple plan types, and accessible underwriting. Many travellers choose TuGo for its balance between premium cost and benefits. Their coverage often includes emergency medical, trip cancellation, and pre-existing condition options, depending on the plan. TuGo is frequently compared favourably in travel insurance reviews for its versatility.
Founded in 1964, TuGo is one of Canada’s original travel insurance providers. It is a large, national insurance brokerage with its head office in Richmond, BC. TuGo provides its own suite of proprietary policies, underwritten jointly by Industrial Alliance and Lloyds. Most of TuGo’s policies are distributed through its broker partners such as BestQuote. BestQuote offers two of TuGo’s premier Canadian policies - Ultimate Trip Guard and Quest.
TuGo Standout Policy Benefits
Flexible Stability Riders
Travellers can choose a 7-day or 90-day rider for pre-existing conditions, with options for future stability protection.
Extra Benefits Beyond Medical
Includes dental accident coverage, vision care, hearing aids, lost prescriptions, and even follow-up treatment in Canada.
Optional Sport Coverage
There are optional sports riders that cover certain sports excluded by most other policies;
TuGo Advantages & Disadvantages
| Advantages | Disadvantages |
|---|---|
Flexible stability period options (7, 30, 60, 90, or 365 days). | Premiums can be higher compared to standard travel policies. |
Unique “future stability rider” for peace of mind before departure. | Policy must cover the entire trip length (no partial coverage). |
Simple questionnaire for older travellers. | Full eligibility requires purchase within 15 days of first non-refundable deposit. |
No age limit on coverage. | Some unstable condition riders cap coverage at $250,000, which is lower than standard $5M emergency coverage. |
Optional sports riders cover activities often excluded elsewhere. | |
High trip cancellation coverage (up to $100,000). |