1Who TuGo Is
TuGo is a Canadian travel insurance company. Its policies are underwritten by Industrial Alliance Insurance and Financial Services Inc. (iA), and TuGo is ISO 9001:2015 certified for claims.
| TuGo plan | For | Highest limit |
|---|---|---|
| Student Insurance for International Students | Students on a study permit studying in Canada, and family who live with them | $2,000,000 |
| Student Insurance for Canadian Students | Canadians studying outside their home province or abroad | $2,000,000 |
| Visitors to Canada (and Super Visa) | Visitors, newcomers and foreign workers | $500,000 |
| Traveller Emergency Medical | Canadian residents travelling outside their province | $10,000,000 |
| Sports & Activities | Add-on to Emergency Medical plans | Up to the policy limit (some activities $500,000) |
From TuGo’s 2025 policy wordings.
2Student Insurance for International Students and Families
TuGo Student Insurance for International Students is for students on a study permit who study in Canada, full-time or part-time. It is one of the few student plans that can also cover family members who live with the student, such as a spouse, children or a parent sharing the home.
- Policy limit: $2,000,000 of emergency medical coverage
- Students can apply up to age 69; family members living with the student up to age 59
- Can be bought even if the student already has a government or school plan; TuGo then pays after that plan
- Coverage needs studies to start within 60 days of the effective date, and ends 60 days after studies stop
- Trips outside Canada are allowed, as long as the student plans to spend at least 51% of the time in Canada
- Not available for language programs taken for immigration purposes, such as francisation
Benefits that stand out on the International Students plan
| Benefit | International Students plan |
|---|---|
| Physiotherapist, chiropractor, naturopath and similar | Up to $1,000 per incident per practitioner |
| Psychologist, psychiatrist or counsellor (out-patient) | Up to $2,000 combined |
| Vaccinations and TB testing | Up to $150 per 12 months (policies of 180 days or more; not school-required TB tests) |
| Return of a vehicle after an emergency | Up to $1,000 |
| Return of remains, or burial or cremation where death occurs | $25,000, or $15,000 |
Pre-existing conditions must be stable for 90 days before coverage starts. Summary only: TuGo’s policy wording sets the exact terms.
3Student Insurance for Canadian Students
For Canadians studying outside their home province or abroad, TuGo has a separate plan. The two plans cannot be swapped: the wrong one for the direction of study is not valid.
- Policy limit $2,000,000; students up to age 40, and family members who live with them from 15 days old to age 40
- Includes accidental death and dismemberment with air flight and common carrier coverage up to $100,000
- Mental health: in-patient care covered like any emergency; out-patient counselling up to $1,000 combined
- Pre-existing conditions must be stable for 90 days before coverage starts
Comparing options for a student? See our international student insurance guide.
4The Sports & Activities Add-On
TuGo’s Emergency Medical plans already cover everyday activities such as hiking, ziplining, bungee jumping and parasailing over water. For higher-risk sports you add Sports & Activities coverage:
| Activity group | With the add-on |
|---|---|
| Backcountry skiing or snowboarding, freestyle skiing or snowboarding in competitions, downhill mountain biking, ice climbing, rock climbing and canyoneering, mountaineering, boxing, mixed martial arts | Up to the policy limit |
| Football, ice hockey and rugby in a registered team, league or tournament (ages 21 and over) | Up to the policy limit |
| BASE jumping, hang gliding and paragliding, skydiving, wingsuit flying, high-risk snowmobiling and motorized speed activities, diving deeper than 40 m, Class VI white water | Up to $500,000 combined |
Coaches and officials do not need the add-on. Never covered, even with it: rodeo-type events such as bull riding, barrel racing and chuck wagon racing.
Without the add-on, injuries from these activities are not covered. TuGo shares a real claim: a 19-year-old fell 50 feet while canyoning in Utah, needed surgery and a week in hospital, and TuGo paid about $202,000; the provincial health plan covered less than 1% of the bill.
5MySIM: TuGo’s eSIM for Travellers
MySIM is a complimentary eSIM that comes with select TuGo policies, powered by aloSIM. Each insured person on an eligible policy gets their own activation code.
- 3 GB of mobile data, data only (no voice calls)
- Works in over 100 countries, though not every area of every destination
- Redeem it in myTuGo under Travel Perks, then enter the code in the aloSIM app; more data can be bought in the app
- Your phone must support eSIM. Roaming charges while installing or troubleshooting are not covered
- Only select TuGo products include it: check your policy’s declaration page or myTuGo account
It means you can land, open maps and message family without buying a local SIM card at the airport.
6Visitors to Canada and Super Visa
TuGo’s Visitors to Canada plan is for visitors, newcomers and foreign workers, with no age limit and coverage of up to $500,000. For a Super Visa it is sold with at least $100,000 of coverage for at least one year.
| Age | Stability period for pre-existing conditions |
|---|---|
| 59 and under | 90 days |
| 60 to 69 | 120 days |
| 70 to 85 | 180 days |
| 86 and over | 365 days |
Visitors aged 79 and under can also get coverage for unstable pre-existing conditions that have been stable for 7 days.
- Bought before arrival: no waiting period
- Bought within 60 days after arrival: 48-hour waiting period for sickness
- Bought 61 days or more after arrival: 7-day waiting period for sickness
- Super Visa deductible options from $0 to $10,000
Compare TuGo with other insurers: Super Visa quotes · visitors insurance quotes.
7Travel Insurance for Canadians
TuGo Traveller Emergency Medical covers Canadian residents travelling outside their home province, with up to $10,000,000 of coverage and no age limit. You can choose single trip or multi-trip annual plans, worldwide, worldwide excluding the USA, or within Canada.
- Pre-existing conditions: stable 7 days before departure for travellers 59 and under on trips of 35 days or less, 90 days on longer trips, and 180 days for travellers 60 and over
- A cruise that leaves from or stops at a US port needs the full Worldwide plan
- 5% companion discount on single trip and annual worldwide plans, and 10% off when you renew an annual worldwide plan
See how TuGo prices against other insurers on our travel insurance quote page.
8Frequently Asked Questions
Does TuGo have student insurance for international students in Canada?
Yes. TuGo Student Insurance for International Students covers students on a study permit who study in Canada, full-time or part-time, with a policy limit of $2,000,000. Students can apply up to age 69.
Can parents or family members be covered on a TuGo student policy?
Yes. On the International Students plan, family members who live with the student can be covered up to age 59. On the Canadian Students plan, family members who live with the student can be covered from 15 days old to age 40.
Does TuGo student insurance cover mental health?
Yes. In-patient treatment for mental and emotional disorders is covered like any other emergency, up to the policy limit. Out-patient visits with a psychiatrist, psychologist or clinical counsellor are covered up to $2,000 combined on the International Students plan and $1,000 on the Canadian Students plan.
What is the TuGo Sports & Activities add-on?
It is an optional add-on to TuGo Emergency Medical Insurance for higher-risk activities such as backcountry skiing, rock climbing, mountaineering, mixed martial arts and skydiving. Players aged 21 and over in an organized football, ice hockey or rugby team, league or tournament also need it.
Which activities does TuGo never cover?
Rodeo-type events: barrel racing, bronc riding, bull riding, chariot and chuck wagon racing, harness racing, rodeo events, steer wrestling and trick riding are not covered even with the add-on.
What is TuGo MySIM?
MySIM is a complimentary eSIM that comes with select TuGo policies. Each insured person gets an activation code for 3 GB of mobile data, data only, usable in over 100 countries, through the aloSIM app. Check that your phone supports eSIM and that your policy is eligible.
Does TuGo offer Super Visa insurance?
Yes, through its Visitors to Canada plan, with at least $100,000 of coverage for at least one year. TuGo's stability period for pre-existing conditions depends on age: 90 days under 60, 120 days at 60 to 69, 180 days at 70 to 85 and 365 days at 86 and over.
Who underwrites TuGo insurance?
TuGo policies are underwritten by Industrial Alliance Insurance and Financial Services Inc. (iA).
Buy TuGo Online or Compare First
Compare TuGo with other Canadian insurers for students, visitors, Super Visa and travel. Call (416) 477-1516 or email cs@egeinsure.ca. Advisors available in 8 languages.