Get a Travel Insurance Quote
You're covered. Enjoy the trip.
Your travel insurance policy has been issued.
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Your policy documents will arrive by email from TuGo, our policy administrator, within a few minutes — not from Sacraw, so search your inbox for “TuGo” and check your spam folder if you don't see them.
Who needs coverage?
Pick the situation that fits — we’ll take you straight to the right coverage.
Not sure? Compare all coverage.
Where are you travelling?
Start typing, or pick a popular destination.
Popular destinations
Select a country to continue.
Pick a country from the list to continue.
Picking a suggestion moves you straight to trip dates.
When are you travelling?
Tap a start and end date below.
We use these dates to calculate your premium. Only future dates are available.
Select both a start and an end date — tap your first day, then your last.
Have you already left your home country?
Applicable to Emergency Medical Insurance
If you already left your home country at the time of application:
- You confirm that you are not currently experiencing symptoms.
- You confirm that you do not currently need medical attention.
- You understand that a waiting period may apply for any claims related to disease or illness if the policy was purchased after arrival in Canada. For complete details, refer to the policy wording.
Confirm the three statements above to continue.
Are you currently in your home province?
You confirm that you are currently in your home province
Coverage bought after departure is arranged by a licensed advisor. Request a callback and our team will go through the statements above with you.
Request a callbackWho's travelling?
How many travellers and their ages.
Premiums vary by age — rates are lowest for travellers under 59
Enter this traveller’s age in years (1–119).
More than one traveller 60 or over
When more than one traveller on the policy is 60 or over, a licensed advisor completes the Medical Questionnaire and prices the policy. Request a callback and we will complete it with you.
Request a callbackMedical questionnaire
Travellers 60 and over must answer nine questions before the medical plan can be priced. The insurer uses every answer to calculate your rate. What you enter here sets your premium and forms part of your application.
This questionnaire sets your rate. It does not decide whether a condition is covered. Coverage for a pre-existing condition is governed separately by the policy’s stability requirement. This requirement applies whether or not a condition appears in these questions.
Answer for the traveller being insured. Each question names a timeframe. Include any condition that falls inside this timeframe, whether or not you received medical care for it. You must also include conditions controlled or managed by medication, a medical device, diet or exercise.
If an answer is incomplete or inaccurate, a $15,000 USD deductible applies to any claim. This is on top of the deductible you choose. Coverage is not provided until you correct the answer and pay any additional premium.
The insurer’s wording
It’s important to answer the Medical Questionnaire correctly. If you qualify for the insurance but you or a representative buying insurance on your behalf inaccurately answer any of the Rate Qualification questions, a $15,000 USD deductible applies to any incident claimed, in addition to any other deductible you may have selected.
At the time of a claim, if the answers are not complete or accurate, coverage won’t be provided until you correct your answers and, if applicable, you pay any additional premium that may be required.
If you are uncertain about an answer, check with your doctor or pharmacist. You can also speak to a licensed advisor before you buy.
Confirm eligibility
The insurer’s eligibility statement. The policy is available when all four statements below are true for the traveller being insured.
At the time of application, you are eligible for coverage if:
1. You are a Canadian resident.
2. You are not travelling against a physician or other registered medical practitioner’s advice.
3. You have not been diagnosed with a terminal condition.
4. You are not receiving palliative care or palliative care has not been recommended.
Have you had any of the following? Choose the one most recent event.
Myocardial infarction also known as heart attack, stroke or Transient Ischemic Attack (TIA) also known as mini-stroke
Arterial by-pass, angioplasty and/or the placement of a stent for a cardiovascular condition
Do you currently have hypertension also known as high blood pressure?
Have you had any of these conditions in the last 12 months?
Choose a condition if, in the specified timeframe, you had the condition, whether or not you received any medical care for it. This includes conditions controlled or managed by medication, a medical device, diet or exercise.
Choose every condition that applies. Choose None only if none of them apply.
Cardiovascular
Respiratory
Gastrointestinal
Cancer
Have you had any of these conditions in the last 12 months? These are separate from the conditions above.
Choose a condition if, in the specified timeframe, you had the condition, whether or not you received any medical care for it. This includes conditions controlled or managed by medication, a medical device, diet or exercise. Choose every condition that applies. Choose None only if none of them apply.
In the last 12 months, have you smoked any tobacco products, or vaped any nicotine products (including e-cigarettes)?
Insurance rates vary by province
Choose your coverage
Select the plan that fits your trip to .
Medical coverage for your time in Canada.
Most travellers choose the middle plan
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Confirm your eligibility
The insurer’s eligibility statement. The policy is available when every statement below is true for the traveller being insured.
At the time of application, you are eligible for coverage if:
1. You are:
a) A foreign worker, international student studying in Canada or a visitor to Canada with valid legal status in Canada; or,
b) An immigrant awaiting provincial or territorial government health care coverage; or,
c) A Canadian returning to Canada from an extended leave who is eligible for but not yet covered by a provincial or territorial government health care plan.
2. You are not travelling against a physician or other registered medical practitioner’s advice.
3. You have not been diagnosed with a terminal condition.
4. You are not receiving palliative care or palliative care has not been recommended.
5. You do not have Chronic Obstructive Pulmonary Disease (COPD), including emphysema, requiring home oxygen.
6. You do not have pancreatic cancer, liver cancer or any type of cancer that has metastasized or that required a bone marrow transplant.
7. You do not have kidney disease requiring dialysis.
8. You have not had or are not waiting for an organ transplant.
9. You have not been diagnosed with congestive heart failure also known as pulmonary edema.
Questions about this statement? Ask in the chat.
Medical questionnaire
Because the traveller is 60 or over, the insurer asks three questions. Answer for the traveller being insured — the answers set the premium and form part of the application.
The insurer’s wording
It’s important to answer the Medical Questionnaire correctly. If you qualify for the insurance but you or a representative buying insurance on your behalf inaccurately answer any of the Rate Qualification questions, a $15,000 CAD deductible applies to any incident claimed, in addition to any other deductible you may have selected.
At the time of a claim, if the answers are not complete or accurate, coverage won’t be provided until you correct your answers and, if applicable, you pay any additional premium that may be required.
Have you had any of the following in the last 12 months?
Have you had any of these conditions in the last 12 months?
Choose a condition if, in the specified timeframe, you had the condition, whether or not you received any medical care for it. This includes conditions controlled or managed by medication, a medical device, diet or exercise.
In the last 12 months, have you smoked any tobacco products, or vaped any nicotine products (including e-cigarettes)?
One of these answers needs a licensed advisor to complete the application. Request a callback and our team will price it with you.
Confirm your eligibility
The insurer’s eligibility statement. The policy is available when every statement below is true for the traveller being insured.
At the time of application, you are eligible for coverage if:
1. You are:
a) A foreign worker, international student studying in Canada or a visitor to Canada with valid legal status in Canada; or,
b) An immigrant awaiting provincial or territorial government health care coverage; or,
c) A Canadian returning to Canada from an extended leave who is eligible for but not yet covered by a provincial or territorial government health care plan.
2. You are not travelling against a physician or other registered medical practitioner’s advice.
3. You have not been diagnosed with a terminal condition.
4. You are not receiving palliative care or palliative care has not been recommended.
5. You do not have Chronic Obstructive Pulmonary Disease (COPD), including emphysema, requiring home oxygen.
6. You do not have pancreatic cancer, liver cancer or any type of cancer that has metastasized or that required a bone marrow transplant.
7. You do not have kidney disease requiring dialysis.
8. You have not had or are not waiting for an organ transplant.
9. You have not been diagnosed with congestive heart failure also known as pulmonary edema.
Questions about this statement? Ask in the chat.
Medical questionnaire
Because the traveller is 60 or over, the insurer asks three questions. Answer for the traveller being insured — the answers set the premium and form part of the application.
The insurer’s wording
It’s important to answer the Medical Questionnaire correctly. If you qualify for the insurance but you or a representative buying insurance on your behalf inaccurately answer any of the Rate Qualification questions, a $15,000 CAD deductible applies to any incident claimed, in addition to any other deductible you may have selected.
At the time of a claim, if the answers are not complete or accurate, coverage won’t be provided until you correct your answers and, if applicable, you pay any additional premium that may be required.
Have you had any of the following in the last 12 months?
Have you had any of these conditions in the last 12 months?
Choose a condition if, in the specified timeframe, you had the condition, whether or not you received any medical care for it. This includes conditions controlled or managed by medication, a medical device, diet or exercise.
In the last 12 months, have you smoked any tobacco products, or vaped any nicotine products (including e-cigarettes)?
One of these answers needs a licensed advisor to complete the application. Request a callback and our team will price it with you.
The most the policy will pay for eligible emergency medical costs. The maximum for visitors is $300,000. $100,000 or more is recommended if you’ll travel to the U.S.
The amount you pay toward an eligible claim before the policy pays the rest. A higher deductible lowers your premium.
Getting your live price…
The deductible is the amount you pay toward an eligible claim before the policy pays the rest.
We couldn’t load the comparison just now — the deductible menu above still re-prices live.
Lower your price with a deductible
Live prices from the insurer for your exact trip. The deductible is what you pay toward an eligible claim before the policy pays the rest.
- Super Visa refused? Full refund before your coverage starts — refund rules (documentation required).
- 24/7 emergency line answers worldwide — care and billing coordinated directly with hospitals. Collect calls accepted (though many countries have discontinued this service).
- Claims handled end-to-end by the policy administrator — how claims actually work.
Coverage details and limits are set out in the policy wording.
Adjust your coverage above to see your price.
Getting your live price…
A pre-existing condition is covered only if it was stable in the days before you leave. Stable means no deterioration, no new or worsening symptoms, no change in treatment, and no change in medication.
Trip cancellation & interruption
Tell us a little about your trip so we can set the right cancellation & interruption coverage. Your price updates as you choose.
Add cancellation and interruption coverage to every trip you take this year. Your price updates as you make selections.
The portion of your flights, tours and bookings you couldn’t get back if you had to cancel before you leave. The most we’ll insure is $100,000.
No prepaid cost entered — this plan covers trip interruption only, up to the amount you choose below, with no trip cancellation coverage. Entering a prepaid cost adds cancellation coverage.
The most the policy will pay for extra costs if your trip is interrupted after you’ve departed (for example, getting home early).
Interruption cover must be at least your prepaid trip cost, up to the $25,000 maximum — lower amounts aren’t available for this trip.
Confirm before you continue
Applicable to Trip Cancellation & Trip Interruption, Trip Interruption Only, Non-Medical Package and the All Inclusive Holiday Package
Confirm the statement above to continue.
Please answer the activity question above to continue.
Enter the highest prepaid, non-refundable cost for any single trip — each trip this year is covered up to that amount. The maximum available on the annual plan is $20,000.
If you have no prepaid costs, the “Interruption only” option above provides coverage at a lower premium.
The most the policy will pay for extra costs if a trip is interrupted after you’ve departed — per trip, all year.
Interruption cover must be at least your prepaid trip cost, up to the $25,000 maximum — lower amounts aren’t available.
Confirm before you continue
Applicable to Trip Cancellation & Trip Interruption, Trip Interruption Only, Non-Medical Package and the All Inclusive Holiday Package
Confirm the statement above to continue.
Please answer the activity question above to continue.
Enter a prepaid trip cost above — or choose “Interruption only”.
- 10-day review period — cancel before travel for a full refund, no fee.
- 24/7 emergency line answers worldwide — care and billing coordinated directly with hospitals. Collect calls accepted (though many countries have discontinued this service).
- Claims handled end-to-end by the policy administrator — how claims actually work.
Secure checkout. Your policy is issued by a licensed, regulated Canadian insurer.
Customize your coverage
Optional add-ons for your plan. Add what you need or continue as is.
Everything your plan includes is already in your price — there are no optional add-ons for this trip.
Cancel for Any Reason (CFAR)
Cancel your trip for any reason — even ones standard cancellation doesn’t cover — and get up to 50% of your prepaid, non-refundable costs back. Must be added within 5 days of booking your trip (or before any cancellation penalties apply); you must cancel more than 5 days before departure.
Not available together with Sports & Activities Travel Costs Coverage — a policy can carry only one of these riders.
— total updates below
Baggage coverage
Covers lost, stolen, or delayed baggage up to $1,500 per person ($3,000 maximum on the family and friends plan).
— total updates below
Rental car damage and theft
Covers up to $75,000 per car, per trip, excluding cars with a market value of $75,000 or more. Requires a valid driver’s licence and does not apply if the rental agency’s collision damage waiver is purchased.
— total updates below
Accidental Death & Dismemberment
Up to $100,000 for accidental death or dismemberment on a commercial flight or carrier, and up to $25,000 for any other accident, per traveller. Paid in addition to any other insurance. No medical questions.
Up to $100,000 for accidental death or dismemberment on a commercial flight or carrier, and up to $25,000 for any other accident, per traveller. Covers every trip in your policy year. No medical questions.
— total updates below
Sports & activities coverage
If you’ll take part in any activity on this list, select it — a listed activity that isn’t on your policy has no medical coverage for injuries from it. Activities not on the list are covered by your plan as standard. Heli-skiing isn’t on this list, so injuries from it fall under your base Emergency Medical coverage.
This activity adds at least $1,000 to that traveller’s medical premium, with no maximum on some trips. Add it only if this traveller will take part.
Selected activities and their limits appear on your policy declaration, and can be added or removed only before your policy takes effect.
The part of your trip you have already paid for and cannot get back — flights, tours, prepaid accommodation. Enter 0 if everything you have booked is refundable.
The smallest trip cancellation amount available on this plan is $400, so your policy will show $400.
Please tell us your prepaid, non-refundable trip cost — enter 0 if everything you have booked is refundable. It decides which coverage we quote.
This is the most we can pay to get you home and cover unused arrangements after your trip has started.
This is the most we can pay to get you home and cover unused arrangements after your trip has started. On this plan it is at least your cancellation amount.
This is the most we can pay to get you home and cover unused arrangements after your trip has started. On this plan it is $25,000, which is the highest interruption amount available.
Trip interruption is $25,000 on this plan. Your cancellation amount can be higher.
Will this trip include heli-skiing, or mountaineering above 6,000 metres?
Adding an activity increases the cost of this coverage, and the increase is shown in your total below.
These activities can be added to or removed from this coverage on your application date only.
Please answer the activity question above so we can price this coverage correctly.
Trip cancellation & interruption coverage can be refunded in full within 10 days of your application date if you have not started travelling. After that, a refund less an administration fee may be available if you cancel your trip before your travel provider charges any penalties, and a partial refund less an administration fee may be available before you leave if the cancellation amount you bought was more than you had actually paid for your trip. Refund requests are made in writing to our policy administrator TuGo.
Trip interruption coverage can be refunded before your coverage starts, and within 10 days of your application date. After that it is not refundable.
Confirm before you continue
Applicable to Trip Cancellation & Trip Interruption and Trip Interruption Only
Confirm the statement above to continue.
Sports & activities coverage
If you will take part in any activity on this list, select it — a listed activity that is not on your policy has no medical coverage for injuries from it. Activities that are not on the list are covered by your plan as standard.
When you select more than one activity, only the highest-rated one is charged. The others are on your policy and covered.
This activity carries a minimum charge. Your exact price appears in your total as soon as you add it.
This activity carries a minimum charge. Your exact price appears in your total as soon as you add it.
This activity carries a minimum charge. Your exact price appears in your total as soon as you add it.
This activity carries a minimum charge. Your exact price appears in your total as soon as you add it.
This activity carries a minimum charge. Your exact price appears in your total as soon as you add it.
This activity carries a minimum charge. Your exact price appears in your total as soon as you add it.
This activity carries a minimum charge. Your exact price appears in your total as soon as you add it.
Available to travellers aged 21 and over.
This activity is for travellers aged 21 and over, so it is not available on this policy.
This activity carries a minimum charge. Your exact price appears in your total as soon as you add it.
Available to travellers aged 21 and over.
This activity is for travellers aged 21 and over, so it is not available on this policy.
This activity carries a minimum charge. Your exact price appears in your total as soon as you add it.
Available to travellers aged 21 and over.
This activity is for travellers aged 21 and over, so it is not available on this policy.
This activity carries a minimum charge. Your exact price appears in your total as soon as you add it.
This activity carries a minimum charge. Your exact price appears in your total as soon as you add it.
This activity carries a minimum charge. Your exact price appears in your total as soon as you add it.
This activity carries a minimum charge. Your exact price appears in your total as soon as you add it.
This activity carries a minimum charge. Your exact price appears in your total as soon as you add it.
This activity carries a minimum charge. Your exact price appears in your total as soon as you add it.
This activity carries a minimum charge. Your exact price appears in your total as soon as you add it.
This activity carries a minimum charge. Your exact price appears in your total as soon as you add it.
This activity carries a minimum charge. Your exact price appears in your total as soon as you add it.
This activity carries a minimum charge. Your exact price appears in your total as soon as you add it.
This activity carries a minimum charge. Your exact price appears in your total as soon as you add it.
If you take part in any of these activities only as a coach, a referee or a sports official, this coverage is not required for you to be covered.
Selected activities and their limits appear on your policy declaration, and can be added or removed before your policy takes effect.
About you
We need a few details for your policy.
Traveller 1 — you (the policyholder)
Please enter your first name.
Please enter your last name.
Please enter your date of birth.
Enter a valid email address (like name@example.com).
Your policy documents will be sent here
Enter a phone number with area code (at least 10 digits).
Person or entity to receive benefits. Defaults to “Estate” if left blank.
The accidental death benefit is paid to the beneficiary named here, or to the estate if this is left blank. For additional travellers it is paid to their estate.
Please enter this traveller’s first name.
Please enter this traveller’s last name.
Please enter this traveller’s date of birth.
Complete your purchase
Review your details and enter payment.
Trip Summary
Your final charge will reflect the tax-inclusive total.
Provincial insurance tax (where applicable) is added at checkout. Your final charge will reflect the tax-inclusive total.
Billing Address
Please enter your street address.
Please enter your city.
Enter a valid Canadian postal code (like A1A 1A1).
Payment
Enter the name exactly as it appears on the card.
Check the card number — it looks incomplete.
Enter the 3–4 digit code on the back of the card.
Select the card’s expiry month and year.
Terms and conditions
These are the insurer’s terms for this policy. Read them, then confirm below to complete your purchase.
Important information
This document does not constitute the entire insurance policy and you have been advised to read the policy booklet for full details on coverage and exclusions.
Applicable to all plans
- You understand that the medical conditions disclosed on this application may not be covered and that details of when pre-existing conditions are covered are set out in the policy booklet.
- A pre-existing condition exclusion may apply to you. Read the policy booklet for details on the pre-existing condition exclusion that may apply to you.
- You hereby authorize any hospital, physician or other person or organization that has records or knowledge of your health or medical history to provide that information to us (as defined in the policy booklet) to use and disclose that information to determine whether any claim that may be made is covered by this policy or by another plan or policy.
- In the event of a claim that may require or result in hospitalization, call Claims at TuGo® immediately.
Emergency Hospitalization (must include "+" sign by holding "0" on mobile): +1-800-533-8718
Global Toll-free (must include "+" sign by holding "0" on mobile): +1-800-663-0399
From Mexico (Mexican landlines only): 001-800-514-9976 or 800-681-8070
Collect call worldwide: 604-278-4108
- You or any representative purchasing insurance on your behalf consent to TuGo and Claims at TuGo collecting, using and disclosing your personal information for the purposes of approving your insurance application, confirming coverage and/or benefits, processing your claims as well as informing you of other products and services offered by TuGo and its affiliates. You have read and agreed to TuGo’s Privacy Policy, which is available at https://www.tugo.com/en/privacy/.
- You may already have travel insurance through another insurance provider (e.g., a credit card or group plan). However, this may not provide adequate coverage for your trip.
- Coverage under this Policy will be void if you do not meet the eligibility requirements for the plan selected.
- It is important that you provide complete and accurate information when purchasing insurance. If you fail to disclose any material fact or make a fraudulent, false or exaggerated statement, your claim will be denied.
- The proposed insurance transaction is between you and Industrial Alliance Insurance and Financial Services Inc. In soliciting this transaction, TuGo represents Industrial Alliance Insurance and Financial Services Inc. and TuGo will be paid a commission or fee upon completion of the transaction. TuGo has no financial interest in Industrial Alliance Insurance and Financial Services Inc and they have no business or financial interest in TuGo. Both TuGo and Industrial Alliance Insurance and Financial Services Inc. are prohibited from requiring you to transact additional or other business as a condition of this transaction.
- A minimum premium requirement applies for this insurance at the time of purchase which becomes non-refundable after travel has taken place. If you request a partial refund after travel has taken place, we will retain this non-refundable minimum premium.
- Claims at TuGo® is a registered trademark owned by North American Air Travel Insurance Agents Ltd. doing business as TuGo®.
IMPORTANT NOTICE – READ CAREFULLY BEFORE YOU TRAVEL
You have purchased a travel insurance policy – what’s next? We want you to understand (and it is in your best interests to know) what your policy includes, what it excludes, and what is limited (payable but with limits). Please take time to read through your policy before you travel. Italicized terms are defined in your policy.
- Travel insurance covers claims arising from sudden and unexpected situations (i.e. accidents and emergencies and typically not follow-up or recurrent care).
- To qualify for this insurance, you must meet all of the eligibility requirements.
- This insurance contains limitations and/or exclusions (i.e. pre-existing medical conditions that are not stable, pregnancy, excessive use of alcohol, high risk activities).
- This insurance may not cover claims related to pre-existing medical conditions, whether disclosed or not at time of policy purchase. It is your responsibility to review the pre-existing medical condition exclusions and stability requirements, understand how they apply to you and how they relate to your departure date, date of purchase and/or effective date.
- In the event of a claim, your prior medical history may be reviewed.
- If you have been asked to complete a Medical Questionnaire and any of your answers are not accurate or complete, an extra deductible may apply.
- If your health changes after you have purchased your insurance, you are not required to call to update your Medical Questionnaire (if applicable) or modify your application. However, your health change may affect your coverage for pre-existing medical conditions and you may choose to contact us to review pre-existing medical condition coverage and discuss whether other coverage options are available.
- If your Super Visa application is delayed, contact your agent before the effective date of the Policy to change the coverage dates of your Policy.
IT IS YOUR RESPONSIBILITY TO UNDERSTAND YOUR COVERAGE. IF YOU HAVE QUESTIONS, CONTACT US OR VISIT tugo.com.
PLEASE READ YOUR POLICY CAREFULLY BEFORE YOU TRAVEL.
Important information
This document does not constitute the entire insurance policy and you have been advised to read the policy booklet for full details on coverage and exclusions.
Applicable to all plans
- You understand that the medical conditions disclosed on this application may not be covered and that details of when pre-existing medical conditions are covered are set out in the policy booklet.
- A pre-existing medical condition exclusion may apply to you. Read the policy booklet for details on the pre-existing medical condition exclusion that may apply to you.
- You hereby authorize any hospital, physician or other person or organization that has records or knowledge of your health or medical history to provide that information to us (as defined in the policy booklet) to use and disclose that information to determine whether any claim that may be made is covered by this policy or by another plan or policy.
- In the event of a claim that may require or result in hospitalization, call Claims at TuGo® immediately.
Emergency Hospitalization (must include "+" sign by holding "0" on mobile): +1-800-533-8718
Global Toll-free (must include "+" sign by holding "0" on mobile): +1-800-663-0399
From Mexico (Mexican landlines only): 001-800-514-9976 or 800-681-8070
Collect call worldwide: 604-278-4108
- You or any representative purchasing insurance on your behalf consent to TuGo and Claims at TuGo collecting, using and disclosing your personal information for the purposes of approving your insurance application, confirming coverage and/or benefits, processing your claims as well as informing you of other products and services offered by TuGo and its affiliates. You have read and agreed to TuGo’s Privacy Policy, which is available at https://www.tugo.com/en/privacy/.
- You may already have travel insurance through another insurance provider (e.g., a credit card or group plan). However, this may not provide adequate coverage for your trip.
- Coverage under this Policy will be void if you do not meet the eligibility requirements for the plan selected.
- It is important that you provide complete and accurate information when purchasing insurance. If you fail to disclose any material fact or make a fraudulent, false or exaggerated statement, your claim will be denied.
- The proposed insurance transaction is between you and Industrial Alliance Insurance and Financial Services Inc. and Industrial Alliance Pacific General Insurance Corporation. In soliciting this transaction, TuGo represents Industrial Alliance Insurance and Financial Services Inc. and Industrial Alliance Pacific General Insurance Corporation and TuGo will be paid a commission or fee upon completion of the transaction. TuGo has no financial interest in Industrial Alliance Insurance and Financial Services Inc. and Industrial Alliance Pacific General Insurance Corporation and they have no business or financial interest in TuGo. Both TuGo and Industrial Alliance Insurance and Financial Services Inc. and Industrial Alliance Pacific General Insurance Corporation are prohibited from requiring you to transact additional or other business as a condition of this transaction.
- A minimum premium requirement applies for this insurance at the time of purchase which becomes non-refundable after travel has taken place. If you request a partial refund after travel has taken place, we will retain this non-refundable minimum premium.
- Claims at TuGo® is a registered trademark owned by North American Air Travel Insurance Agents Ltd. doing business as TuGo®.
Important information
This document does not constitute the entire insurance policy and you have been advised to read the policy booklet for full details of coverage and exclusions.
- You understand that the medical conditions disclosed on this application may not be covered and that details of when pre-existing conditions are covered are set out in the policy booklet.
- A pre-existing condition exclusion may apply to you. Read the policy booklet for details on the pre-existing condition exclusion that may apply to you.
- You hereby authorize any hospital, physician or other person or organization that has records or knowledge of your health or medical history to provide that information to us (as defined in the policy booklet) to use and disclose that information to determine whether any claim that may be made is covered by this policy or by another plan or policy.
- You or any representative purchasing insurance on your behalf consent to TuGo and Claims at TuGo® collecting, using and disclosing your personal information for the purposes of approving your insurance application, confirming coverage and/or benefits, processing your claims as well as informing you of other products and services offered by TuGo and its affiliates. You have read and agreed to TuGo’s Privacy Policy, which is available at https://www.tugo.com/en/privacy/.
- You may already have travel insurance through another insurance provider (e.g., a credit card or group plan). However, this may not provide adequate coverage for your trip.
- Coverage under this Policy will be void if you do not meet the eligibility requirements for the plan selected. Coverage under this Policy will be void if there is any misrepresentation or concealment of or failure to disclose any facts asked at the time of application.
- The proposed insurance transaction is between you and Industrial Alliance Insurance and Financial Services Inc. In soliciting this transaction, TuGo represents Industrial Alliance Insurance and Financial Services Inc. and TuGo will be paid a commission or fee upon completion of the transaction. TuGo has no financial interest in Industrial Alliance Insurance and Financial Services Inc and they have no business or financial interest in TuGo. Both TuGo and Industrial Alliance Insurance and Financial Services Inc. are prohibited from requiring you to transact additional or other business as a condition of this transaction.
- A minimum premium requirement applies for this insurance at the time of purchase which becomes non-refundable after travel has taken place. If you request a partial refund after travel has taken place, we will retain this non-refundable minimum premium.
- Claims at TuGo® is a registered trademark owned by North American Air Travel Insurance Agents Ltd. doing business as TuGo®.
Applicable to Emergency Medical Insurance
If you already left your home country at the time of application:
- You confirm that you are not currently experiencing symptoms.
- You confirm that you do not currently need medical attention.
- You understand that a waiting period may apply for any claims related to disease or illness if the policy was purchased after arrival in Canada. For complete details, refer to the policy wording.
Applicable to Trip Cancellation & Trip Interruption and Trip Interruption Only
- You confirm that currently no circumstance is known which might reasonably be expected to prevent your travel as scheduled.
Applicable to Trip Cancellation & Trip Interruption, Trip Interruption Only, Non-Medical Package and the All Inclusive Holiday Package
- You confirm that currently no circumstance is known which might reasonably be expected to prevent your travel as scheduled.
Confirm the terms and conditions above to complete your purchase.
Insurance is administered by North American Air Travel Insurance Agents Ltd. doing business as TuGo®, a licensed insurance broker in all provinces and territories. The issuer of the contract is Industrial Alliance Insurance and Financial Services Inc. TuGo® is a registered trademark owned by North American Air Travel Insurance Agents Ltd. doing business as TuGo®.
Insurance is administered by North American Air Travel Insurance Agents Ltd. doing business as TuGo®, a licensed insurance broker in all provinces and territories. The issuer of the contract is Industrial Alliance Insurance and Financial Services Inc. Claims at TuGo®, TuGo® and myTuGo® are registered trademarks owned by North American Air Travel Insurance Agents Ltd. doing business as TuGo®.
Insurance is administered by North American Air Travel Insurance Agents Ltd. doing business as TuGo®, a licensed insurance broker in all provinces and territories. The issuer of the contract is Industrial Alliance Insurance and Financial Services Inc. and Industrial Alliance Pacific General Insurance Corporation. TuGo® is a registered trademark owned by North American Air Travel Insurance Agents Ltd. doing business as TuGo®.
The language in this document may not be the same as the actual policy wording which will prevail in all instances and is available upon request. Certain exclusions, limitations and conditions may apply. Insurance is administered by North American Air Travel Insurance Agents Ltd. doing business as TuGo®, a licensed insurance broker in all provinces and territories. The issuer of the contract is Industrial Alliance Insurance and Financial Services Inc. Claims at TuGo® and TuGo® are registered trademarks owned by North American Air Travel Insurance Agents Ltd. doing business as TuGo®.
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Provincial insurance tax (where applicable) is added at checkout.
