TuGo Travel Insurance
Emergency medical coverage for tourists, Super Visa applicants, and returning Canadians
Who can apply
- A foreign worker, international student studying in Canada, or a visitor to Canada with valid legal status in Canada
- An immigrant awaiting provincial or territorial government health care coverage
- 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
- Not travelling against the advice of a physician or other registered medical practitioner
Visitors to Canada has no age limit. Basic Visitors to Canada is available up to age 79.
Choose your plan
Basic Visitors to Canada
Essential emergency medical coverage for visitors up to age 79.
- ✓Emergency medical treatment (hospital, physician, ambulance)
- ✓Prescription drugs (up to 30-day supply or $100, per emergency)
- ✓One follow-up visit within 14 days
- ✓Fracture treatment up to $1,000
- ✓Emergency air transportation up to $100,000
- ✕Pre-existing medical condition coverage
- ✕Hospital allowance
- ✕Maternity coverage
- ✕Other professional medical services (physiotherapist, chiropractor, etc.)
- ✕Dental services for emergencies
- ✕Out-of-pocket and child care expenses
- ✕Coverage for side-trips outside of Canada
Visitors to Canada
Comprehensive emergency medical coverage with no age limit, including pre-existing condition coverage.
- ✓Emergency medical treatment (hospital, physician, ambulance)
- ✓Prescription drugs (up to 30-day supply, per emergency)
- ✓Up to 5 follow-up visits within 14 days
- ✓Fracture treatment up to $1,000
- ✓Emergency air transportation up to the sum insured
- ✓Pre-existing medical condition coverage, subject to stability periods by age
- ✓Hospital allowance up to $100 per day
- ✓Maternity coverage up to $6,000
- ✓Other professional medical services up to $600 per practitioner
- ✓Dental services up to $6,000 for accidents, $600 for other emergencies
- ✓Out-of-pocket, child care, and family transportation expenses
- ✓Coverage for side-trips outside of Canada (including visits home)
Sum insured and deductible: Both plans let you choose your sum insured (from $10,000 up to the plan maximum) and your deductible (from $0 automatic up to $10,000 CAD) at the time you apply. Premium and coverage depend on your age, trip length, destination, and your answers to the Medical Questionnaire, if applicable.
Stability period for pre-existing conditions
For Visitors to Canada, pre-existing medical conditions are covered as long as they were stable for 90 days (ages 59 and under), 120 days (60–69), 180 days (70–85), or 365 days (86 and over) before your policy's effective date. Basic Visitors to Canada does not cover pre-existing medical conditions.
Are you eligible for coverage?
At the time of application, you are not eligible for coverage if any of the following apply to you:
- You are travelling against the advice of a physician or other registered medical practitioner
- You have been diagnosed with a terminal condition
- You are receiving palliative care, or palliative care has been recommended
- You have Chronic Obstructive Pulmonary Disease (COPD), including emphysema, requiring home oxygen
- You have pancreatic cancer, liver cancer, or any cancer that has metastasized or required a bone marrow transplant
- You have kidney disease requiring dialysis
- You have had, or are waiting for, an organ transplant
- You have been diagnosed with congestive heart failure, also known as pulmonary edema
- For Basic Visitors to Canada only: you are 80 years of age or older at the time of application
Optional coverages
Unstable Pre-existing Medical Condition Coverage
For travellers 79 and under, this optional coverage extends protection to pre-existing medical conditions that were not stable, as long as the condition was stable in the 7 days before your policy's effective date. Available with Visitors to Canada only.
Sports & Activities Coverage
Adds coverage for higher-risk sports and activities such as backcountry skiing, scuba diving below 40 metres, rock climbing, and mountaineering, which are otherwise excluded from the Emergency Medical plan.
Accidental Death & Dismemberment Insurance
Pays a benefit in the event of accidental death or certain losses (such as loss of a limb or sight) resulting from an accident during your trip, in addition to your Emergency Medical Insurance.
Automatic extensions to coverage
- Hospitalization — coverage extends for the remainder of your hospital stay, plus up to 7 days after release to recover and travel home
- Medically unfit to travel — up to 7 days to recover and travel home, with written documentation from your attending physician
- Delay of common carrier — up to 7 days if your flight, train, or other common carrier is delayed by circumstances beyond your control
- Quarantine — up to 14 days if you're placed under quarantine after a positive COVID-19 test
Travel outside of Canada
Side-trips outside of Canada are permitted under both plans, as long as the majority of your period of coverage is spent in Canada and you travelled to Canada before taking any side-trips.
- Visitors to Canada covers up to 48 hours of direct travel to and from Canada, plus side-trips outside of Canada — including visits to your country of permanent residence
- Basic Visitors to Canada covers up to 48 hours of direct travel to and from Canada only
- Direct travel includes any stopovers or layovers while in transit
- Proof of all travel dates may be required if you submit a claim
If your side-trip lasts longer than expected
Your policy does not terminate, but expenses are not covered while you are travelling outside of Canada beyond what's permitted under your plan. Coverage resumes automatically once you return to Canada.
Refunds
- If you cancel within 10 days of your application date, and no travel has taken place and your policy hasn't expired, you receive a full refund
- If you cancel after the 10-day period but before your policy's effective date, a full refund is available
- If you cancel after travel has taken place, a partial refund less an administration fee is available, calculated from the date of your cancellation request or your return date
- Super Visa applicants have additional refund options if their application is denied, withdrawn, or their entry to Canada is refused
Policy documents
Need to file a claim?