Travel boldly.We've got you covered.
Comprehensive travel insurance for Canadians heading abroad, visitors exploring Canada, and international students. Adventure sports, trip cancellation, emergency medical — customized to fit your journey.
I am a traveller who is…
Leaving CanadaVacation, business & family trips abroad
Visiting CanadaForeign workers, visitors & immigrants
Snowbirds & SeniorsExtended winter stays & seasonal travel
StudentsStudying in or from CanadaCoverage through TuGo Travel Insurance
Choose Your Path
Where is your journey taking you?
Canadians Travelling Abroad
Leaving Canada
Heading to a tropical beach, cross-border shopping, or visiting family abroad? Your provincial healthcare won't fully follow you. We'll ensure you're protected wherever your adventure takes you.
Visitors & Workers
Visiting Canada
Canada's healthcare system is world-class, but you won't be covered if you're not a resident. Medical costs add up fast — protect yourself before arriving.
Seasonal & Extended Stays
Snowbirds & Seniors
Canadians heading south for the winter need more than a week of coverage. Long-term emergency medical plans built for months abroad, with stability rules that fit your health history.
Studying In & From Canada
Students
International students studying in Canada and Canadian students studying abroad get emergency medical coverage plus dental, mental health, maternity, and more.
Comprehensive Protection
Everything you need. Nothing you don't.
From emergency medical to the adventure sports everyone else quietly excludes — here's exactly what's in your plan. No fine-print surprises.
Emergency Medical
- Hospital care & treatment for injuries and illnesses
- Doctor's services & ambulance
- X-rays & diagnostic lab procedures
- Prescription drug reimbursement
- COVID-19 coverage included
- Up to 5 follow-up visits within 14 days
Dental & Specialist
- Emergency dental services
- Physiotherapy for acute emergencies
- Essential medical supplies & crutches
- Fracture treatment benefits
- Professional medical services
Transportation
- Emergency air transportation
- Airfare to return home for treatment
- Return of travelling companion
- Return of dependent children
- Family transportation & accommodation
Trip Protection
- Trip cancellation coverage
- Baggage loss & delay protection
- Out-of-pocket expenses
- Hospital allowance for incidentals
- Save and revisit quotes anytime
Adventure Sports
- Skiing & snowboarding
- Mountain biking & extreme sports
- High-risk activity coverage
- Customized to fit your trip
- Multiple adventure tiers
Maternity & Other
- Prenatal care & delivery
- Maternity complications coverage
- 24-hour accident insurance
- Travel worldwide
- Available for all ages
Why Choose Us
Backed by decades of trust
We proudly offer coverage through TuGo Travel Insurance, trusted by millions of travellers for flexible coverage, comprehensive protection, and 24/7 emergency assistance. Licensed under Ocean Sun Financial, headquartered in Whistler, BC.
Visitors to Canada
Check your eligibility
At the time of application, you must know of no reason for which you may seek medical attention, and you must not be travelling against a physician's advice.
You are eligible if
- Foreign worker with valid legal status in Canada
- Visitor to Canada with valid legal status
- International student studying in Canada
- Immigrant awaiting provincial healthcare coverage
- Canadian returning from extended leave
Not eligible if
- Diagnosed with a terminal condition
- Receiving or recommended for palliative care
- COPD requiring home oxygen
- Kidney disease requiring dialysis
- Had or awaiting an organ transplant
- Diagnosed with congestive heart failure
Government RecommendationThe Canadian government recommends visitors purchase a minimum of $100,000 in travel insurance.
I'm Eligible — Get a Quote
When You Need Us
Help is always within reach
If something goes wrong, we make the claims process as calm and straightforward as possible.
Contact Assistance
Reach TuGo's 24/7 emergency assistance team. They'll guide you through immediate next steps and coordinate care.
Gather Documents
Collect receipts, medical reports, and relevant documentation. Your assistance team will tell you what's needed.
Submit Your Claim
File your claim online or by mail. TuGo's claims team reviews and processes your submission promptly and fairly.
24/7 Emergency Assistance
Real humans, real help — anywhere in the world, day or night, in English and French.
Get Protected NowCommon Questions
Frequently asked questions
We're here — just not on hold
Buy anytime, supported always
No phone trees, no hold music, no pressure. Quote and buy a policy online in minutes — anytime, day or night. Got a question about coverage, eligibility, or claims? Our assistant knows the policies inside out and answers in English and French, instantly.
Ready to get covered?
Get an instant quote online in minutes — no paperwork, no pressure. Coverage starts the moment you need it.
Get a QuotePrefer to chat first? Our assistant is one tap away, bottom-right.