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Why Buy Travel Insurance

Why should I buy travel insurance?

Whether you're adventuring abroad or taking a trip to a neighbouring province, travel insurance protects you and your loved ones. Be confident you're covered when dealing with a medical emergency, travel delay or theft.

If I get sick or injured while travelling, will provincial government healthcare pay for my medical expenses?

Provincial healthcare provides limited coverage for medical treatment and hospital costs outside of Canada. Some provincial healthcare plans don't cover expenses like ambulance services, emergency dental treatment and prescription drugs.

Why do I need additional travel insurance if I already have credit card coverage?

Some credit cards provide basic travel insurance. However, this coverage is often limited.

Credit card coverage may apply for a limited time period, or be available only up to a certain age. It's often only applicable if the trip is paid for with your credit card.

When should I buy travel insurance?

To make sure you're protected, buy insurance before leaving. Your plan should cover your entire trip, including the day you leave and the day you return.

Can I still buy travel insurance if I’m over 60 and have a few medical conditions?

Yes, TuGo Travel Insurance covers all ages, but some exclusions might apply depending on your health status. You’ll need to review the policy wording of the insurance you’re interested in buying, talk to your local insurance broker, for more details.

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    About Buying Travel Insurance

    Where else can I buy travel insurance?

    You can buy travel insurance through your local insurance broker or by contacting TuGo’s Customer Service at 1-855-929-8846.

    Does TuGo offer family coverage?

    Yes, we do. Family plans are available with certain insurance plans and are an economical choice when travelling with family.

    What happens if I need to extend my policy because I’m staying away longer?

    We can help you do that. All you have to do is give our Customer Service team a call at 1-855-929-8846 and we’ll get you sorted.

    What is the maximum number of days I can buy travel insurance for?

    This depends on your home province and age. Just give TuGo’s Customer Service a call at 1-855-929-8846.

    What’s a ‘deductible’?

    While some definitions may differ between plans, and may not apply to all types of plans, we define deductible as “the portion of eligible expenses you must pay from your own pocket when an eligible claim occurs. For all medical insurance plans (except our Visitors to Canada plan), the deductible applies to the expenses remaining after payment by your provincial or territorial government healthcare plan.”

    Are sports-related injuries covered?

    Yes, TuGo automatically covers sports and activities under the Emergency Medical or Visitor to Canada Emergency Medical plan unless they're listed under our Optional Sports Coverages or as exclusions. Optional Coverages are available for Contact Sports, Adventure Sports and Extreme Sports.

    For a complete list of sports and exclusions, you’ll need to review the policy wording of the insurance you’re considering.

    My contact or trip details have changed, or the information in my policy declaration is wrong. Do I have to notify anyone?

    Yes, please! If any information has changed, it could impact your coverage. Please call us at 1-855-929-8846 and we'll update your details!

    Can I cancel a policy?

    You can cancel most policies before or on the effective date, but may not after. To cancel a policy, please call us at 1-855-929-8846 for more information.