Canadian travel insurance · through TuGo

Coming to Canada, or leaving home?

Your coverage depends on which side of the border your health plan lives. Choose yours and we'll show you exactly what to buy, and what to skip.

Already know what you need? Get a quote →
Up to $5MEmergency medical
24/7 assistanceAnywhere in the world
TuGo Wallet appYour policy on your phone
Licensed in BCOcean Sun Financial

Why we chose TuGo

Coverage that goes where your trip goes.

We could have partnered with anyone. We chose TuGo because you can build a plan around the trip you're actually taking — not squeeze your trip into a one-size plan.

When you quote, you'll see these as options. Read your coverage page first, then add the ones that fit your trip — they're easy to miss and often the most valuable.
Add-on

Sports & Activities

Hiking, ziplining and many more activities are already covered. Add this for higher-risk ones like backcountry skiing or deep diving.

Add-on

Cancel for Any Reason

Change of plans? Add this to your trip cancellation coverage and get part of your trip cost back — no reason needed.

Plan option

Top up your coverage

Work or credit-card plan too short for your trip? TuGo starts the day your other coverage ends, so there's no gap.

Plan option

Trip cancellation & interruption

Get back prepaid flights, hotels and tours if you have to cancel or cut your trip short for a covered reason.

Add-on

Baggage

Covers your belongings if they're lost, stolen or damaged — in transit, at your hotel or anywhere along the way.

Add-on

Rental car protection

Covers damage to or loss of a rental car, so you may not need the rental counter's daily coverage.

Also available: Extensions while you're awayPre-existing condition optionsFamily & Friends plansMulti-trip annual plans

Options, limits and eligibility vary by plan and age. Full details are in the policy wording shown when you quote.

How it works

Three steps. No phone calls.

1

Answer two questions

Tell us where you're headed and we'll take you to the coverage built for you.

2

Know what to add

Your coverage page shows what's included and which add-ons are worth a look for your trip.

3

Quote and buy online

Pick your options on TuGo's secure site. Your policy arrives by email right away.

Sky, our blue jay guide

Not sure what you need? Ask Sky.

Instant answers about coverage, add-ons, eligibility and claims — in English and French, any time of day.

Or get a quote →

Good to know

Questions travellers ask us most.

Do I need travel insurance if I have a provincial health plan?
Yes. Your provincial plan pays only a small part of medical costs outside your province — and nothing for many things, like air ambulance home. Travel insurance covers eligible emergency costs your plan doesn't.
I have coverage through work or my credit card. Is that enough?
Often not for longer trips. Many plans only cover a set number of days. A TuGo top-up starts the day your other coverage ends, so you're covered for your whole trip.
Can I extend my coverage while I'm away?
Usually, yes. Log in to my.tugo.com or contact TuGo before your coverage ends to add more days.
What do I do if I need to make a claim?
In an emergency, call TuGo's 24/7 assistance line first — it's on your wallet card and in the TuGo Wallet app. Keep your receipts and reports, then open your claim online at my.tugo.com.
Who provides the insurance?
Plans are provided by TuGo and sold by Ocean Sun Financial, a licensed insurance agency in Whistler, BC. The insurer for your plan is named in your policy wording.