Digital Nomads & Long-Term Travel
Work from anywhere. Stay covered everywhere.
Remote workers, sabbaticals, career breaks, slow travel: any age, any number of countries. Coverage that keeps up with you, as long as home is still Canada.
How do you travel?
Pick the setup that fits your year.
The typical Canadian nomad is in their mid-30s and moves every five or six weeks, but we see everyone from new grads to retirees on a working sabbatical.
Months away, then home
- Single Trip for the whole stretch, door to door
- Choose Worldwide if you'll set foot in the US, even to connect
- Add trip interruption if you've prepaid flights or stays
Several trips a year
- Multi Trip Annual covers every trip for 12 months
- Pick a trip length that covers your longest trip
- One policy, no re-buying each time you leave
Surf, dive, ski, climb
- Add Sports & Activities for higher-risk activities
- You pay for the highest-priced activity only
- Buy for your whole trip: the charge applies to each policy
Protect your gear and plans
- Baggage covers belongings that are lost, stolen or damaged
- Rental car protection for road-trip stretches
- Cancel for Any Reason for big prepaid plans
What's included
What emergency medical covers.
Emergency hospital and medical care anywhere your plan covers: the bills your provincial plan won't pay abroad.
- Emergency hospital stays and medical treatment
- Licensed ambulance
- Emergency dental
- Prescription drug reimbursement
- Emergency medical transport home
- Family transportation to be with you
- COVID-19, when you follow federal travel vaccine rules
- Telemedicine and a free eSIM included with your policy
Worth adding when you quote
Options nomads actually use.
These show up on the quote screen.
Worldwide vs Excluding USA
Excluding USA is cheaper, but one US layover or weekend and you'd want Worldwide.
Multi Trip Annual
Covers every trip for a year, up to the trip length you choose. Great if you come home between stints.
Sports & Activities
Surfing, diving below 40 m, backcountry skiing, climbing. Add the riskiest one you'll do.
Baggage
Belongings lost, stolen or damaged in transit or at your stay. Check limits for laptops and electronics in the wording.
Cancel for Any Reason
Get back up to 50% of non-refundable prepaid costs if plans change. Needs trip cancellation.
Top-Up
Have work or credit-card coverage for the first part? Top-Up covers the rest of the trip.
Before you buy
The one rule that matters.
These plans are for Canadian residents, so your provincial health plan has to stay active for your whole trip.
- You're a Canadian resident covered by your provincial or territorial health plan for the whole trip.
- You're not travelling against a doctor's advice.
- Any medical conditions meet the stability rules for your age. The quote asks the right questions.
Your quote, step by step
Every screen you'll see, in order.
Here's exactly what TuGo asks, and what to choose.
- 1
Trip details
Your province, destination, departure and return dates and birthdate. Several countries? Choose the furthest or most expensive region, and answer Yes to the US question if it's anywhere on your route.
- 2
Single trip or annual
One long trip: Single Trip. Coming home between trips: compare the Multi Trip Annual upgrade shown on the screen.
- 3
Pick your plan
Emergency Medical (Worldwide or Excluding USA), or the All Inclusive package if you've prepaid a lot.
- 4
Tick what applies
Sports & Activities for higher-risk activities: type it, pick it, tick each traveller. Top-Up if another plan covers the start.
- 5
Medical questions (age 60+)
Travellers 60 and over answer a medical questionnaire. An inaccurate answer means a US$15,000 deductible on any claim.
- 6
Extras, review and pay
Add baggage, rental car or Cancel for Any Reason. Check every detail and pay.
Tip: Buy before you leave Canada. You'll get the 10-day refund and no gap in coverage.
What happens after you buy
One email. Everything you need.
Minutes after you pay, TuGo emails your policy with three documents attached — plus a few extras most travellers don't know they get.
Policy Declaration
Your policy number, dates, who's covered, every plan and option you chose, and what you paid. Keep it — it's also your receipt for tax purposes.
Digital Coverage Card
Add it to your phone. One tap dials emergency assistance, and US clinics in the UnitedHealthcare network recognise it.
Policy Wording
The full contract. Read it before you travel — especially the exclusions and the pre-existing condition rules.
Included free
- myTuGo account to change, extend or claim online
- Free 3GB eSIM (MySIM)
- MyFlyt lounge pass or cash for 2+ hour flight delays
- 24/7 emotional support line
10-day full refund. Change your mind? Cancel within 10 days of buying for a full refund, as long as you haven't travelled or claimed.
Save the emergency number now. +1-800-533-8718 for hospitalizations. Call before you're treated whenever you can.
Check every detail. Names, birthdates and dates must be right. Call 1-855-929-8846 if anything needs fixing.
Good to know
Common questions
I'll be in several countries. What do I choose?
Does it matter that I'm working while I travel?
Can I extend if I stay longer?
Single Trip or Multi Trip Annual?
What do I do in an emergency?
Travel under our wing.
Go see the world.
Get your quote in a few minutes on TuGo's secure site. Questions about your route or your provincial plan? Ask Sky.