TuGo Travel Insurance Review

TuGo Travel Insurance for Canadians?

We offer the following professional TuGo travel insurance review for your consideration. Please keep in mind that you are always better off purchasing travel insurance through a specialist broker like BestQuote because we provide you with an extra level of reassurance at time of purchase or claim. The following information should help to convey our knowledge level and expertise, and help you gain confidence in our services. Remember that TuGo has competitive prices only some of the time — rates change regularly from year to year. 

No insurance company can always have the most competitive price for all the people all the time, no matter what their age or health condition. Travel insurance is much more complex than what a non-specialist broker can fathom, and you are welcome to use our quote engine to survey the wider Canadian travel insurance marketplace — and then ask us for advice in selecting the appropriate policy. We may identify issues you have not thought of! 

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.

Ultimate Trip Guard has a long list of advantages over most other travel policies:

  • Option to add either a 7-day or 90-day $250,000 stability rider for travellers age 60 or over;
  • There is a 60-day stability period for travellers age 59 or under, taking longer trips, option to add 7-day $250,000 rider;
  • There is a blanket 7-day stability period for travellers age 59 and under, taking trips of 35 days or less;
  • A $250,000 future stability rider is available, for travellers concerned that their health may change before their travel date;
  • Travellers with difficult-to-insure conditions like home oxygen, heart surgery over 12 years ago and organ transplants qualify;
  • The questionnaire is very simple for travellers age 60 or over;
  • There are optional sports riders that cover certain sports excluded by most other policies;
  • Extra benefits for dental accidents, vision care, hearing aids and lost prescriptions;
  • Medical follow-up in Canada benefit in the event of emergency return home by air;
  • No age limit on coverage;
  • Coverage of up to $100,000 available on trip cancellation policies;
  • Claims are still covered (with payment of additional premiums) even if the medical questionnaire is answered incorrectly.

TuGo Quest Travel Insurance has a similar 7-day stability rider, but coverage is limited to $150,000. It also offers a $150,000 future stability rider.
This option is appropriate for travellers going to countries other than the USA, where medical costs are lower.
Quest offers lower rates for travellers with minor heart conditions, and many minor medical conditions are not listed on its questionnaire.