Tugo Insurance

Explore the World with Confidence!

Travel can bring unexpected joys – it can also bring misadventure. We’ll help you prepare for the worst so your trip can be the best.


December 21, 2021 (Update)

The Canadian Government has now made it mandatory for all travellers (ages 12 & up) to be fully vaccinated to travel by plane or rail, and strict rules are also in place when crossing the Canada/US border, effective December 22, 2021, TuGo will no longer offer the COVID-19 Insurance – Unvaccinated plan.
EffectiveDecember 21, 2021, we’ll provide coverage for visitors who must cancel or interrupt their trip as a result of a medical condition related to COVID-19. For example, if they need to cancel due to getting sick with COVID-19, we’ll cover that; but if they need to cancel because of a lost job or flight cancellation due to COVID-19, that won’t be covered. This update will also be applicable for active policyholders who purchased before December 21, 2021, even if they’ve already left on their trip, for emergencies occurring on December 21, 2021, onwards.

TuGo’s COVID-19 Coverage PDF

December 15, 2021 (Update)

With the Canadian government’s reinstatement of the level 3 “avoid non-essential travel” advisory, we’d like to reassure you that this announcement won’t impact TuGo’s COVID-19 coverage. As of November 30, 2021:

Emergency Medical Insurance for Canadians: TuGo provides COVID-19 coverage under our Emergency Medical Insurance plans for vaccinated Canadians, up to the policy limit. We now provide coverage to travellers regardless of travel advisory levels issued by the Canadian government. Our COVID-19 – Unvaccinated plan for unvaccinated Canadians (and those wanting extra quarantine benefits) also remains unchanged.

Trip Cancellation & Trip Interruption Insurance: We provide coverage if you must cancel or interrupt your trip due to a medical condition related to COVID-19Cancel for Any Reason Coverage can be added to Trip Cancellation & Trip Interruption policies, to cancel for any reason more than 5 days before the departure date, for a 50% reimbursement.

Government required testing: Remember, COVID-19 testing isn’t covered.

For all of TuGo’s FAQ visit – www.tugo.com/en/travel-insurance/faq/

You can purchase travel insurance online or reach out to one of our helpful brokers.

COVID-19 will continue to impact travel well into the future. For a limited time offer, get 15 months of emergency medical travel coverage for the price of 12. Not ready to think seriously about travel yet? You have the flexibility to buy up to 1 year in advance of your trip start date!

Waypoint Insurance is here to help you prepare for the unexpected. From medical and dental emergencies to an interruption in travel plans or lost baggage, we can’t prevent misadventures but we can make sure you’re not alone.

Chat, call, or email us for more information.

Phone: 310-8442
Email: info@waypoint.ca