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.
This insurance reimburses for prepaid unused travel costs (like an excursion) if the travel plans are cancelled before departure or interrupted after the trip has begun, due to unforeseen* circumstances.
If you’re travelling only within Canada, a Single Trip policy is the best option.
If you’re travelling within Canada as well as worldwide in the year ahead, you may want to consider a Multi Trip Annual policy.
Available as an add-on to Trip Cancellation & Trip Interruption Insurance, Cancel for Any Reason optional coverage is ideal for travellers who need flexibility. Get reimbursed up to 50% of the pre-paid, unused non-refundable travel costs if you decide to cancel your trip for any reason other than a Covered Risk listed in the travel insurance policy—as long as you cancel 10+ days before the departure date. Travellers will need to buy this insurance within 10 days of making an initial payment or deposit for the trip.
Why add Cancel for Any Reason?
Michael booked a $3000 ski vacation for his daughter and himself, but 12 days prior to the trip, his daughter committed to a job interview that she couldn’t pass up – and it was scheduled for the day their vacation was set to start. Michael cancelled their vacation 11 days before the trip and was reimbursed for 50% of his pre-paid unused non-refundable travel costs, including hotel and lift tickets.
TuGo Travel Insurance covered: $1500.
Trip Interruption Only Insurance
For those looking for economical coverage for trip interruptions, TuGo’s Trip Interruption Only Insurance covers:
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
Accommodation expenses 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 1-855-929-8846.
*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 and certain Lloyd's Underwriters, severally and not jointly. TuGo® is a registered trademark owned by North American Air Travel Insurance Agents Ltd. doing business as TuGo®.