Home   Contact us    1-877-443-0101

Insurance :  Life  |  Mortgage Protection  |  Critical Illness   |  Disability   |  Health & Dental Benefits |  Group Benefits for Small Businesses

Visitors to Canada | Super Visa | Travel Insurance for Canadians | Snowbirds & Seniors | International Student | Canadian Student - Study Abroad

Travel Insurance:  Manulife  ♦  TuGo Traveller   TuGo Quest    GMS    Allianz Global Assistance    21st Century  ♦  RSA    Destination


TRAVELLER Travel Insurance

(underwritten by Industrial Alliance Insurance and Financial Services Inc. and certain Lloyd's Underwriters)

Get a quote and  purchase this insurance ONLINE directly from TuGo : please, click the link below and you will be redirected to the TuGo secure website. Follow on-screen prompts or call for assistance.





Please referred to the  Policy Wording for information on the coverage provided, exclusions and conditions. If you have questions, please call for assistance.


For assistance and to buy a policy , please call at 

 416-493-0101, 1-877-443-0101


 What to do if you get sick or injured

Policy Wording

Emergency Medical Insurance

    (Single-Trip and Multi-Trip)

    ▶ Key Features

    ▶ Summary of Medical Coverage

    ▶ Pre-existing Medical Conditions &

      other exclusions

    ▶ Medical questionnaire

    ▶ Rates (Single-Trip and Multi-Trip)


      Worldwide Excluding USA

      Traveling Within Canada

      Multi-Trip Worldwide

Non-Medical Package (Single-Trip)

All inclusive Holiday Package (Single-Trip)


What coverage will you have?

Emergency Medical Insurance (Single -Trip  and Multi-Trip)

Eligibility. You are eligible for coverage if:
1. You have not yet reached the age of 90 years at the time of application date of the Policy.
2. You are a Canadian resident  covered by a provincial health insurance plan for the entire trip length
3. The expenses you incur result from an acute, sudden and unexpected emergency.
4. The emergency first occurs and the medical treatment is provided outside your home province.
5. You are not traveling against a physician's advice; or
6. You have not been diagnosed with a terminal condition.

Applicants 60 years old and over have to complete the Medical questionnaire to determine rate category.


Single-Trip Plan: Provides coverage for a single trip: Worldwide, Worldwide excluding USA (includes up to 5-day transit coverage in USA), and Canada only. One temporary visit to your home province, of up to a maximum of 10 days, is permitted during your period of coverage.

Multi-Trip Plan: Annual plans: Worldwide and in Canada only. Choose from 5, 10, 20, 35, 60, 95, 125, 155, 182 day multi-trip plans. You will be covered for 12 months and can travel for an unlimited number of trips, which start and end in your province of residence, up to the trip duration you have chosen.  Clients 58 years and under are eligible for the automatic renewal option. Click here to check the rates.

Deductible. Automatic $300 USD deductible; other deductible options $500, $1,000, $2,000, $5,000, $50,000, $100,000 are available for premium discount. For $0 deductible, 15% surcharge applies. For the Canada plan, all deductibles are in Canadian dollars.

Family Plan. Available up to age 59. Includes children up to age 21; 25 if attending full time school or physically/mentally handicapped.

Emergency Medical Benefits

Key Benefits

Maximum Limit

Maximum liability


Emergency medical treatment

Emergency means an unforeseen sickness or injury, which requires immediate medical treatments to alleviate existing danger to life or health.

Emergency medical treatment for sickness or injury whether in-patient or out-patient care

Services of physician, surgeon, anaesthetist, registered graduate nurse

Private duty nursing

X-rays and laboratory services

Rental of medical appliances

Prescription drugs

Limit of a 30-day supply


Including mountain and sea rescue

Professional medical services

Up to $500 per practitioner including a licensed physiotherapist, chiropractor, chiropodist, osteopath, and podiatrist

Chiropractic benefits are limited to the initial office visit


Up to $4,000 for accident

Up to $500 for dental pain

Hospital allowance

$50 per day to a maximum of $500 for incidental hospital charges

Emergency air transportation

Up to policy limit; includes cost of air ambulance, stretcher fare or one-way economy airfare, medical attendant or traveling companion, seat upgrade when medically necessary

Return of excess baggage

Up to $200, provided there was no room aboard and when the insured is returned to the home province under the Emergency Air Transportation Benefit or Repatriation Benefit.

Return of insured traveling companion

A one-way economy airfare back to the departure point if the insured is returned home for medical reasons


Up to $10,000 for repatriation

Up to $4,000 for burial/cremation at place of death

Escort of children/grandchildren

Up to age 21 or 25 if full-time student; no age limit for mentally/physically handicapped

Family transportation

One economy return airfare or ground transportation costs and up to $150 per day for out-of-pocket expenses

Return of insured to destination

One-way economy airfare  by the most direct route to return to the insured's original trip destination following a return to their home province under the Emergency Air Transportation Benefit.

Out-of-pocket expenses

Up to $400 per day to maximum of $4,000 when insured or traveling companion is hospitalized on the date scheduled to return to the home province or when transferred to a different hospital in another city for emergency medical treatment.


Exclusions and Limitations. Travel medical insurance does not cover everything. This insurance has exclusions, conditions and limitations. Please learn them and understand the policy before you buy this insurance.

Pre-existing Medical Condition exclusion (for Emergency medical coverage):

The company will not be liable to provide coverage or services, or to pay claims for expenses incurred directly or indirectly as a result of  any pre-existing condition as defined, except as follows:
  Applicable to persons 59 years and under (on the application date)
a) On trips 35 days or less, except for conditions and/or symptoms which arose or worsened on the date of departure, or at any time within the seven days prior to the date of departure, other than a minor ailment.
b) On trips over 35 days, any condition which has remained stable in the 90 days prior to the commencement date of a covered trip.
 Applicable to persons 60 to 74 years (on the application date)
On all trip lengths, pre-existing conditions must be stable in the 180 days prior to the commencement date of a covered trip.

  Applicable to persons 75 to 89 years (on the application date)
On all trip lengths, pre-existing conditions must be stable in the 365 days prior to the commencement date of a covered trip.


Some other exclusions:

This policy does not pay for expenses incurred directly or indirectly as a result of

- Conditions or any related conditions for which, prior to departure, testing or investigative consultation took place, was scheduled to take place or was recommended (not including routine check-up or routine monitoring for a medical condition), and for which results had not yet been received at the time of departure. This includes tests that were recommended or scheduled prior to departure, but had not yet taken place at the time of departure.

- Any condition(s) for which you are registered on a waiting list in Canada for treatment or diagnosis.

- Ongoing care, rehabilitation or check-ups.

 Please refer to the policy wording for full list of exclusions (pg. 11-12 , 39-40) and definitions: accident and injury, alteration, medical treatment, minor ailment, pre-existing condition, sickness, stable, etc. If you need assistance, please Contact us .



Non-Medical Package (Single Trip) includes the following benefits:

1) Trip Cancellation/Trip Interruption Insurance:

Sum insured prior to departure Up to the limit of Insurance purchased
Sum insured after departure $25,000
2) Accidental Death and Dismemberment Insurance
Maximum sum insured for Air Flight/Common Carrier Accident $100,000
Maximum sum insured for 24-Hour Accident $25,000
3) Baggage Insurance : Sum insured $500

You can buy this package separately or all together with Emergency Medical Insurance.



All Inclusive Holiday Package is available for persons under 59 years and includes the following benefits:
1) Emergency Medical Insurance
Maximum limit $5,000,000
2) Trip Cancellation/Trip Interruption Insurance
Sum insured prior to departure Up to the limit of Insurance purchased
Sum insured after departure $25,000
3) Accidental Death and Dismemberment Insurance
Maximum sum insured for Air Flight/Common Carrier Accident $100,000
Maximum sum insured for 24-Hour Accident $25,000
4) Baggage Insurance: Sum insured $500


The following benefits can be purchased separately or additionally to Emergency medical insurance :

- Trip Cancellation & Interruption insurance or Trip Interruption only (Single Trip and Multi-Trip Annual)

- Accidental Death and Dismemberment Insurance (Single Trip and Multi-Trip Annual)

- Baggage insurance  (Single-Trip) : Maximum sum insured $1,500 per person or $3,000 per family


NOTE: The product-related information is for illustration purpose only. Please refer to the Policy  Wording

 for details on the coverage provided, conditions, exclusion and claim procedure.



If you need help to complete the online application, or for the questions regarding your policy status, to make changes to your coverage or travel dates, to extend the policy, or purchase this policy over-the-phone, please call Natalia at 416-493-0101  (or 1-877-443-0101) or click here to ask your question online.


What to do if you get sick or injured

Have your policy number and policy confirmation with you at all times. In the event of sickness or injury which may result in claim, contact Claims at TuGo at the telephone numbers shown on your policy confirmation and the Policy Wording (pg. 2-3).  When contacting Claims at TuGo, please provide your name, your policy number, your location and the nature of your emergency.


In the event of hospitalization, call Claims at TuGo immediately.


To apply for benefits under this policy, you will need to send a completed claim form (with all original bills attached) to Claims at TuGo. Visit  Claims at TuGo for the claim form and submit your claim online. Consult the claim guideline on your Policy Wording (pg 60-62).



Investments:    RESP     RRSP     TFSA      Segregated Funds

Revised: April 28, 2016