24/7 Telemedicine
Speak to a certified doctor in 60 minutes, in 10+ languages. No clinic visit, no deductible.
Travel With Confidence
Expert travel insurance advisors protecting Canadians worldwide.
Travellers under 60 — answer below for an instant online quote. Travellers 60 or older on trips of more than two days outside your home province — we’ll guide you through a short Medical Questionnaire during the quote.
Comprehensive travel insurance — get your price in 2 minutes
$5M Emergency Medical
24/7 Emergency Assistance
Why Canadians choose Sacraw Financial
Founded by travellers. Built around coverage we'd buy ourselves. Here's what makes us different.
MyFlyt Flight Protection
Automatic $500 payout when your flight is delayed 2+ hours. No forms, no receipts.
No Age Limits Under 59
Full emergency medical coverage with no surcharge for travellers under 59.
$5M
Coverage
24/7
Assistance
Vetted
Underwriter Selected
CA
Licensed Canada-Wide
Available plan options
Coverage built around who you are and where you're going. Choose the path that fits.
Canadian Traveller
For Canadian residents travelling abroad.
- Up to $5M emergency medical
- Trip cancellation & interruption
- MyFlyt automatic flight-delay payout
Visitor to Canada
For visitors, new permanent residents, and returning Canadians.
- Coverage while provincial plan waits
- Pre-existing condition stability options
- Super Visa-compliant policies
Student
For Canadians studying abroad and international students in Canada.
- Multi-semester coverage terms
- Study-abroad destination advisory
- Telemedicine in 10+ languages
What's Covered
Comprehensive protection for every aspect of your journey.
Why choose Sacraw Financial
Three reasons Canadians trust a broker-led, online-first travel insurance experience.
Canadian Broker Licensed
Regulated by Canadian provincial authorities. Your coverage is issued in Canada — not offshore — and every policy is held by a licensed broker advocating on your behalf.
Global Assistance Network
24/7 emergency support across 120+ countries, backed by TuGo's operations team. Telemedicine in 10+ languages gets you to a certified doctor within an hour.
Claims-First Approach
Dedicated claims advocates — not a generic call-centre. We help you assemble documents, push back when needed, and escalate to the ombudsman if a claim is wrongly denied.
How It Works
Getting insured is simple. Three steps, no hassle.
1
Get a Quote
Tell us where you're going, when, and who's traveling. Takes about 2 minutes.
2
Customize Coverage
Choose a plan that fits your needs. Add or remove coverage options as you like.
3
Travel Protected
You're covered. Enjoy your trip knowing we've got your back 24/7, anywhere in the world.
Underwritten by Industrial Alliance · Administered by TuGo
Industrial Alliance
TuGo®
Frequently Asked Questions
Quick answers to common questions about travel insurance.
Your provincial health plan covers less than 10% of medical costs outside your home province. For example, Ontario's OHIP pays just $50 for an ER visit abroad. A broken leg in the US can cost $50,000+. Emergency Medical Insurance covers the gap — up to $5,000,000 CAD.
Yes. Provincial plans don't fully cover you outside your home province. Ambulance, prescriptions, dental emergencies, medical equipment rental, and return of your vehicle are not covered. A Travel Within Canada plan fills these gaps — with no stability requirement for pre-existing conditions.
Yes, as long as your condition is stable. Stability periods depend on your age and trip length: 7 days for travellers 59 and under on trips of 35 days or less, 90 days for longer trips, 180 days for ages 60-74, and 365 days for 75+. For travel within Canada, there's no stability requirement at all.
CFAR is an optional add-on to Trip Cancellation & Trip Interruption Insurance. It lets you cancel your trip for any reason — bad weather, changed your mind, anything — and get reimbursed 50% of your prepaid, non-refundable costs. You must purchase CFAR within 5 days of booking and cancel 5+ days before departure.
Every policy includes MyFlyt at no extra cost. If your flight is delayed 2+ hours, registered travellers automatically receive a complimentary airport lounge pass or a cash payout via email and text. No claim needed.
Claims are administered by TuGo Insurance, the managing administrator behind every Sacraw policy. Policies are underwritten by Industrial Alliance Insurance and Financial Services Inc.; TuGo handles fulfillment, claims service, and 24/7 emergency assistance. Start your claim in the myTuGo portal, by email at claims@tugo.com, or by phone at 1-800-663-0399. Medical emergencies: call TuGo's 24/7 Assistance line first — the numbers are on your policy confirmation and the Claims page.
