If you’re travelling only within Canada, your provincial healthcare will cover medical emergencies, including COVID-19. However, purchasing Emergency Medical Insurance for travel within Canada for just a few dollars a day, will supplement the costly expenses of air or ground ambulance services, air evacuation, emergency dental services, medical appliances like crutches and wheelchairs, and more.
If you’re travelling within Canada as well as worldwide in the year ahead, consider a Multi Trip Annual Worldwide policy. With this economical plan option, travel within Canada is automatically covered. Plus, add COVID-19 Insurance to an Emergency Medical Worldwide plan for each individual trip you take, and you’ll have coverage outside Canada for unexpected medical emergencies and COVID-19* medical and quarantine expenses.
Downhill mountain biking, including fat biking on downhill mountain biking trails, downhill freestyle skiing/snowboarding in organized competitions, high-risk snowmobiling, ice climbing, and more aren’t covered under standard Emergency Medical Insurance. To take it to the max with one of these activities, add Optional Sports & Activities Coverage to your policy.
This insurance reimburses for non-refundable prepaid unused travel costs (like an excursion) if your travel plans are cancelled before departure or interrupted after the trip has begun, due to unforeseen* circumstances.
If you’re travelling only within Canada, for just one trip a Single Trip policy is the best option.
If you’re travelling more than once within Canada and/or worldwide in the year ahead, consider a Multi Trip Annual policy.
Non–refundable prepaid tours when tour is cancelled
One-way economy airfare back to the departure point and an airline seat upgrade, if medically necessary
One-way economy airfare to catch up to your next destination
Single supplement accommodation costs if your travel companion interrupts their trip
Important: For interruptions due to medical reasons, a doctor’s note explaining the medical reason for the trip interruption is required. Additionally, travellers will need to provide documentation for any covered risks stated in the policy wording. For example, unused airline ticket, proof from tour operator that tour was cancelled, meals and accommodation receipts, etc. See policy wording for more details.
Questions? Contact TuGo’s Customer Service team at 1-855-505-0869.
*By clicking this button, you’ll be redirected to TuGo’s secure website, where you can get a quote and purchase travel insurance.
As of March 4, 2020, COVID-19 is considered a known circumstance for travel, which means it’s no longer considered sudden and unexpected.
The language in this website 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., Industrial Alliance Pacific General Insurance Corporation. TuGo® is a registered trademark owned by North American Air Travel Insurance Agents Ltd. doing business as TuGo®.