Canadian Travel Advisories

Wildfire advisories have been issued for various cities and regions throughout the summer, with conditions continuing to evolve. On August 8, 2026, The Province of British Columbia declared a State of Provincial Emergency due to the wildfires. As they unfortunately continue to spread across British Columbia, and other parts of Canada, they may impact your travel plans.

How does TuGo Travel Insurance cover those who were planning to travel from, to or through affected wildfire areas within British Columbia?

Emergency Medical

If you’re currently in British Columbia and covered by our Emergency Medical Insurance for Canadian travellers or for Visitors to Canada, you would be covered if you are sick or injured resulting from the wildfires, provided there was no travel advisory related to the wildfires in place for your destination before your arrival at that destination, subject to all the terms and conditions of your policy.

Trip Cancellation & Trip Interruption Insurance

As per the policy wording, coverage would be available for the following Covered Risks, if the policy was purchased before the date the wildfire(s) started:

• For Canadian travellers: 1, 2, 19 to 22, and 24 to 27
• For visitors to Canada: 1, 2, 18 to 21, and 23 to 25

If a Canadian government has issued an advisory stating against travel to a Canadian province/territory, region or city, coverage would also be provided under Covered Risks 16 and 17 for Canadian travellers or Covered Risks 15 and 16 for visitors to Canada, as follows:

• For Trip Cancellation, the travel advisory must be issued after your policy was purchased and after your trip was booked, and remain in place on the departure date or within the 7 days before the departure date.
• For Trip Interruption, the travel advisory must be issued after departure and during the scheduled travel dates.

Trip Cancellation & Trip Interruption Exclusion 6 – wildfires happening before the date and time the trip was booked or the insurance was purchased will be excluded and there will be no coverage under any Covered Risk if the insurance was purchased or the trip was booked after the date each wildfire had already started. This exclusion applies whether or not the wildfires were affecting any of your travel destinations at the date and time the insurance was purchased or trip was booked.

For claims caused by or related to new wildfires that start after insurance is purchased and after a trip has been booked, coverage would be provided subject to the terms and conditions of the policy (including any other exclusions which may be applicable to your circumstances).

To stay up to date with the wildfires in BC, the provincial government is consistently updating an interactive map. We will use the confirmation/discovery date on that map to determine the location and details for the active BC wildfires and the date each wildfire began. Please, see the following link for the BC wildfires: https://wildfiresituation.nrs.gov.bc.ca/map.  Other provinces have similar websites/interactive maps in place.

If you’re making changes to your travel plans, contact your airline provider before Claims at TuGo.

How to contact Claims at TuGo

Global Toll-free (must include “+” sign by holding down “0” on mobile): +1-800-663-0399

Collect: 604-278-4108

Email: claims@tugo.com

We will continue to monitor the situation and update our travel warnings as the situation progresses.

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On July 30, WestJet announced a lockout notice, in response to a 72-hour strike notice issued by CUPE, the union representing its flight attendants with, a potential strike starting as early as August 2nd.

How does TuGo® Travel Insurance cover those who are booked with WestJet?

Trip Cancellation & Trip Interruption Insurance (and Trip Interruption Only Insurance)

As of July 15, 2026 at 3:00PM PDT, this strike has been a known circumstance.

If you didn’t purchase Trip Cancellation and/or Trip Interruption coverage before 3:00PM PDT on July 15, 2026, or if you already had Trip Cancellation and/or Trip Interruption coverage but booked your trip on or after 3:00PM PDT on July 15, 2026, coverage won’t be available for any claims caused by or related to the strike.

If you did purchase a policy and booked your trip before 3:00PM PDT on July 15, 2026, Trip Cancellation and/or Trip Interruption coverage may be available if you’ve been contacted by your airline advising that your flight is cancelled or delayed due to an airline strike.

If you’re making changes to your travel plans, please contact WestJet before Claims at TuGo, as they are maintaining a flexible cancellation and rescheduling policy.

How to contact Claims at TuGo:

Global Toll-free (must include “+” sign by holding down “0” on mobile): +1-800-663-0399

Collect: 604-278-4108

Email: claims@tugo.com

We will continue to monitor the situation and update our travel warning as the situation progresses.

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Following our communication on February 28, 2026 about Canadian travel advisories in the Middle East, the Canadian government has updated travel advisories for several parts of the Middle East.

As of June 26, 2026, travel advisories for Bahrain, Israel and Kuwait have been downgraded from avoid all travel to avoid non-essential travel,while advisories for Jordan, Oman, Qatar, Saudi Arabia and the UAE have been downgraded toexercise a high degree of caution.

Please note: the following avoid all travel advisories still remain in place for Iran, Palestine, Iraq, Syria, Yemen and Lebanon.

Flights in the surrounding air space could be impacted, including flights to Asia and Europe. If you’re travelling to, from or are currently in a nearby area or country, ensure you’re registered with Registration of Canadians Abroad and continue to monitor travel.gc.ca for travel advisories that may impact your travels as the situation is changing rapidly.

How does TuGo® Travel Insurance cover those who were planning to travel from, to or through the Middle East?

Emergency Medical Insurance

Applicable to avoid all travel or avoid non-essential travel advisories

• If the advisory was issued after your arrival to any affected country in the Middle East, coverage may have been available for an emergency or a medical condition related to the travel advisory,up to a period of 30 days from the date the travel advisory was issued.Since this 30-day period has passed, coverage is no longer available for any emergency or medical condition related to the travel advisory. This applies to all avoid all travel advisories that continue to remain in place since February 28, 2026, and to ones that have been downgraded from avoid all travel to avoid all non-essential travelas of June 26, 2026.
• If you haven’t yet left on your trip, but decide to proceed with your trip despite the advisory being in place, you won’t be covered if the emergency or medical condition is directly or indirectly caused by the reason for which the travel advisory was issued.

Applicable to exercise a high degree of caution advisories

• If the advisory has been downgraded from avoid non-essential travel to exercise a high degree of caution after your departure, coverage may be available as of June 26, 2026 for an emergency or medical condition related to the travel advisory.

Trip Cancellation & Trip Interruption Insurance (and Trip Interruption Only Insurance)

• You may be covered when the Government of Canada has issued an avoid non-essential travel or avoid all traveladvisory to any affected countries in the Middle East (including any stopovers, layovers or any other destinations you’re transiting through). For Trip Cancellation, coverage will be provided if the travel advisory was issued after your policy was purchased and after your trip was booked; and must be in place on the departure date or within the 7 days before the departure date.
• For Trip Interruption, the avoid non-essential traveloravoid all travel advisory must be issued after departure and during the scheduled travel dates provided insurance was purchased before the travel advisory being issued.
• Insurance purchased or trips booked to the affected countries in the Middle East (including but not limited to Iran, Palestine, Iraq, Syria, Yemen, Lebanon, Bahrain, Israel and Kuwait) on or after February 28, 2026 at 9:00AM PST won’t be covered, since the conflict is a known circumstance.As of June 26, 2026, the advisories for Jordan, Oman, Qatar, Saudi Arabia and the UAE, have been downgraded by the Canadian government to exercise a high degree of caution, therefore the conflict is no longer deemed a known circumstance in these areas.
  
  Note: Coverage may be provided under other circumstances; please refer to policy wording for a complete list of covered risks.

Applicable to All Plans

You won’t be covered:

• If you’re participating in and/or voluntarily exposing yourself to acts of war or acts of terrorism.
• For death, disablement or injury in any way caused by or contributed by radioactive contamination or by the utilization of nuclear, chemical or biological weapons (whether or not caused by acts of war or acts of terrorism).

If you’re making changes to travel plans impacted by cancellations, you should contact your airline before Claims at TuGo. Most airline providers are offering refunds, credits, and other options.

How to contact Claims at TuGo:

Emergency Hospitalizations (must include “+” sign by holding down “0” on mobile): +1-800-533-8718

Global toll-free (must include “+” sign by holding down “0” on mobile): +1-800-663-0399

Collect: 604-278-4108

Email: claims@tugo.com

We will continue to monitor the situation, and update our travel advisory as the situation progresses.

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As the Strait of Hormuz blockades hold up fuel shipments from the Persian Gulf, airlines around the world are cancelling flights and scaling back routes due to jet fuel shortages and surging prices. The shortages are already causing major flight disruptions and reduced flight frequencies around the world.

How does TuGo® Travel Insurance cover those who were planning to travel during the jet fuel crisis?

Trip Cancellation & Trip Interruption Insurance (and Trip Interruption Only Insurance)

As of April 22, 2026 at 9:00AM PDT, the jet fuel crisis is a known circumstance.

If you didn’t purchase Trip Cancellation and/or Trip Interruption coverage before April 22, 2026 at 9:00AM PDT, or if you already had Trip Cancellation and/or Trip Interruption coverage but booked your trip after April 22, 2026 at 9:00AM PDT, coverage won’t be available for any claims caused by or related to the jet fuel crisis, such as air travel disruptions.

If you’re making changes to your travel plans, you should contact your travel providers before Claims at TuGo.

How to contact Claims at TuGo:

Global Toll-free (must include “+” sign by holding down “0” on mobile): +1-800-663-0399

Collect: 604-278-4108

Email: claims@tugo.com

We will continue to monitor the situation and update our travel warnings as the situation progresses.

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As the United States and Israel launched an attack on Iran on February 28, 2026, the Canadian government issued travel advisories for several parts of the Middle East, advising Canadians to avoid all travel to the UAE, Qatar, Kuwait and Bahrain (along with Iran, Israel/Palestine, Iraq, Syria, Yemen and Lebanon) and to avoid non-essential travelto Saudi Arabia, Jordan and Oman. Flights in the surrounding air space could be severely impacted, including flights to Asia and Europe. If you’re travelling to, from or are currently in a nearby area or country, ensure you’re registered with Registration of Canadians Abroad and continue to monitor travel.gc.ca for travel advisories that may impact your travels as the situation is changing rapidly

How does TuGo® Travel Insurance cover those who were planning to travel from, to or through the Middle East?

Emergency Medical Insurance

• If you’re currently in the Middle East and covered by our Emergency Medical Insurance before the travel advisories were issued on February 28, 2026, you may have coverage for an emergency or a medical condition related to the travel advisory,up to a period of 30 days from the date the travel advisory was issued.
• If you haven’t yet left on your trip, but decide to proceed with your trip despite the advisory, you won’t be covered if the sickness or injury is directly or indirectly caused by the reason for which the travel advisory was issued.

Trip Cancellation & Trip Interruption Insurance (and Trip Interruption Only Insurance)

• You may be covered when the Government of Canada has issued a Level 3: “Avoid non-essential travel” or Level 4 “Avoid all travel” advisory to the Middle East (including any stopovers, layovers or any other destinations you’re transiting through). For Trip Cancellation, coverage will be provided if the travel advisory was issued after your policy was purchased and after your trip was booked; and must be in place on the departure date or within the 7 days before the departure date.
• For Trip Interruption, the travel advisory must be issued after departure and during the scheduled travel dates provided insurance was purchased before the travel advisory being issued.
• Insurance purchased or trips booked to the Middle East (including but not limited to the UAE, Saudi Arabia, Qatar, Oman, Kuwait, Jordan, Bahrain and Israel/Palestine) on or after February 28, 2026 at 9:00AM PST won’t be covered, since the conflict is a known circumstance.
  
  Note: Coverage may be provided under other circumstances; please refer to policy wording for a complete list of covered risks.

Applicable to All Plans

If you’re currently in the Middle East, you won’t be covered:

• If you’re participating in and/or voluntarily exposing yourself to acts of war or acts of terrorism.
• For death, disablement or injury in any way caused by or contributed by radioactive contamination or by the utilization of nuclear, chemical or biological weapons (whether or not caused by acts of war or acts of terrorism).

If you’re making changes to travel plans impacted by cancellations, you should contact your airline before Claims at TuGo. Most airline providers are offering refunds, credits, and other options.

How to contact Claims at TuGo:

Emergency Hospitalizations (must include “+” sign by holding down “0” on mobile): +1-800-533-8718

Global toll-free (must include “+” sign by holding down “0” on mobile): +1-800-663-0399

Collect: 604-278-4108

Email: claims@tugo.com

We will continue to monitor the situation, and update our travel advisory as the situation progresses.

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The Canadian Government has issued an "avoid non-essential travel" advisory for Cuba, due to worsening shortages of electricity, fuel and basic necessities.

How does TuGo® Travel Insurance cover those who were planning to travel from, to or through Cuba?

Emergency Medical Insurance

If you’re currently in Cuba, and covered by our Emergency Medical Insurance before the travel advisory was issued, you may have coverage for an emergency or a medical condition related to the travel advisory, up to a period of 30 days from the date the travel advisory was issued.

If you haven’t yet left on your trip, but decide to proceed with your trip despite the advisory, you won’t be covered if the sickness or injury is directly or indirectly caused by the reason for which the travel advisory was issued.

Trip Cancellation & Trip Interruption Insurance  (and Trip Interruption Only Insurance)

You may be covered under Covered Risks #16 or #17 when the Government of Canada has issued an “Avoid all non-essential  travel” advisory for Cuba (including any stopovers, layovers or any other destinations you’re transiting through).

• For Trip Cancellation, coverage will be provided if the travel advisory was issued after your policy was purchased and after your trip was booked; and must remain in place on the departure date or within the 7 days before the departure date.
• For Trip Interruption, the travel advisory must be issued after departure and during the scheduled travel dates.

Note: Coverage may be provided under other circumstances; please refer to policy wording for a complete list of covered risks.

When am I not covered for Trip Cancellation & Trip Interruption (and Trip Interruption Only)?

As of February 9, 2026 at 9:00AM PST, the fuel shortages are a known circumstance. If the insurance was purchased or you booked your trip on or after February 9, 2026 (9:00AM PST), Trip Cancellation and/or Trip Interruption exclusion 5 – circumstance known  will apply to all covered risks. Coverage won’t be available for any claims caused by or related to the shortages, such as air travel disruptions.

If you’re making changes to travel plans impacted by cancellations, you should contact your airline before Claims at TuGo. Most airline providers are offering refunds, credits, and other options to rebook flights once flight service to and from Cuba resumes.

How to contact Claims at TuGo:

Toll-free: 1-800-663-0399

Collect: 604-278-4108

Email: claims@tugo.com

We will continue to monitor the situation, and update our travel advisory as the situation progresses.

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