How Sacraw Financial Works — Transparency
Home › How We Work
Radical transparency
No fine-print games. Here’s who actually stands behind your policy, why a licensed insurance agency beats a faceless price-comparison site, and exactly how we’re paid.
Who’s who on your policy
Three parties, three clear jobs:
- Industrial Alliance Insurance and Financial Services Inc. — the underwriter (insurer of record). It’s the regulated carrier that issues your policy and pays valid claims.
- TuGo (North American Air Travel Insurance Agents Ltd., d.b.a. TuGo) — the administrator. It handles fulfillment, policy service, and 24/7 emergency medical assistance. TuGo is not the underwriter.
- Claims at TuGo (OneWorld Assist Inc., d.b.a. Claims at TuGo) — handles all claims and emergency assistance.
- Sacraw Financial — your licensed insurance agency, regulated by FSRA (Ontario). We help you choose and buy the right plan. We don’t insure you ourselves and we don’t handle claims. We may earn a commission from the insurer.
Claims always go to Claims at TuGo. Call 1-800-663-0399 (Canada & USA, 24/7). Our own phone line (1-833-SACRAW-8) and chat are for sales and general questions only — never for claims or emergencies.
A licensed agency vs. a faceless aggregator
Many Canadians search “travel insurance broker” — so to be clear: Sacraw Financial is a licensed insurance agency, regulated by FSRA (Ontario). Here’s how a licensed, accountable agency compares with a price-comparison site.
| A licensed agency (Sacraw) | A faceless price-comparison site | |
|---|---|---|
| Whose side | Helps you buy the right coverage for your trip, plainly explained | Optimises for clicks/commission, often no human help |
| Licensing | Licensed insurance agency, regulated by FSRA (Ontario) and accountable to that regulator | Often a lead-gen page, licensing unclear |
| If something’s wrong | A licensed agency you can reach | You’re on your own with a form |
| Coverage fit | Matched to your trip, age, health questions, eligibility | Cheapest-first sorting, fit is your problem |
How we’re paid (the honest version)
Sacraw Financial is compensated through standard insurance commission built into the product — the same way most insurance is distributed in Canada. You don’t pay us a separate fee, and the price you pay isn’t marked up by buying through us versus elsewhere for the same plan.
What we will and won’t do
- We will explain coverage in plain English, show you real plan facts, and route you to a quote.
- We won’t promise a specific payout, give you binding individual advice through a bot, or invent reviews or stats.
- We won’t handle your claim — that’s Claims at TuGo, every time.
✓
Reviewed by a licensed insurance professional. Sacraw Financial Corp. · Licensed insurance agency, regulated by FSRA (Ontario) · Underwritten by Industrial Alliance Insurance and Financial Services Inc. · Administered by TuGo · Claims handled by Claims at TuGo (1-800-663-0399, 24/7). General information, not individual insurance advice; coverage is subject to the policy wording.
🍁Proudly CanadianOwned & operated in Ontario, Canada
