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Canadian-owned and operated for nearly 60 years, TuGo specializes in products & services that support travellers’ health, wellness and safety across Canada and around the globe. As one of Canada’s top travel insurance providers and a Platinum Club member of Canada’s Best Managed Companies, TuGo offers 24/7 in-house emergency travel medical assistance, with support in 27 languages.
Reviews 179
Roger Ames
Oct 05,2023This company have gone out of their way to be impractical in dealing with my emergency. Buyer beware. Read the fine print. They notified me on the day that my coverage lapsed that they would not cover my flight even though I was medically not allowed to fly.
Zezen Nguyen
Sep 08,2023* - I bought TuGo Travel Insurance (option Industrial Alliance) for 175 days for USA (FL) at the cost of $702.07 CAD but instead, I came back to BC 29 days before my planned trip of 175 days. * - 3.5 months after the beginning of my stay in the USA I was coughing a lot for 4 weeks, so I paid for a doctor's visit at the CareSpot 2 times (($200 USD x 2) + Meds $33 USD). * - My policy stated that the deductible was $300 USD, so they refunded me $133 USD converted into CAD. * - TuGo told me if I claimed insurance, they wouldn’t refund me the difference of 29 days earlier!! * - 3 things I didn’t like about my experience: * 1) TuGo sent the claim check to my BC’s home instead of my Florida home. * 2) TuGo forfeited the refund of the insurance cost for coming home 29 days earlier. * 3) TuGo didn’t send me an Insurance card to be used in the USA to be used in an Emergency case, I.e. that in an Emergency case, I would have to pay from my own pocket, which could be a lot before I could make a claim to get back the money. * 3a) Travel insurance like Medipac used to send out an insurance card so that in Emergency cases when I was unconscious the hospital would talk directly to Medipac.
FERN WIERENGA
Sep 07,2023i was diagnosed with cancer while we were on vacation and with the help of some great Florida doctors and our insurance company, we were very well taken care of.. the representatives we dealt with from Tugo we’re very patient and of great help, and they did their very best to help us in each and every way… I am very very happy. We had such a good travel insurance in our time of need.
GASTON
Aug 16,2023J'ai trouvé l'entreprise efficace autant pour la demande d'assurance que pour le règlement ou réclamation.
EILEEN LISKA
Aug 12,2023The professionalism in handling our claim, and the constant updates on the progress, and status of our claim.
JURAJ POLAK
Aug 12,2023Quick response and great service overall
IFEOMA OKONJI
Aug 12,2023My experience has been great so far,ranging from the reps that revive my call and give me answers to my questions,it's good customer service for me.
RICHARD BUTLER
Aug 12,2023The company responded clearly and fully, and after a reasonable time, accepted my claims (two in two years) and paid the full amount claimed in both cases. All correspondence was pleasant and easy to deal with and their forms are in plain English. I strongly recommend them.-
Sue
Aug 06,2023I’m so glad I decided to go with Tugo as my out of country medical and trip interruption coverage. I hadn’t heard of Tugo before my insurance agent suggested it. My husband and I went to Maui for 14 days and I needed to go to a walk in clinic due to an injury and lost medication during our stay in Maui. Called a Tugo agent prior to get advice on navigating the claim procedure and she was very helpful and understanding. Neither the clinic or the Chiropractic Office I went to direct billed so I paid in full (U.S. dollars). After arriving home to Canada I submitted all the paperwork and received the remittance a short time after. Very seamless and not stressful at all dealing with an insurance company. Thank you Tugo and we will use your services on our next trip!
Irelyn
Aug 06,2023I was soooo happy with my experience with tugo. While travelling abroad I popped a tire on my rental vehicle which ended up diverting my trip. I submitted claims for the rental car protection and trip interruption. After submitting my claims I got an automatic email saying that they were backed up in claims and I'd hear from someone within 6 weeks. Less than 6 weeks later I received cheques in the mail. Didn't even call, just sent the cheques. It was incredibly smooth, painless, and quick. I've heard a lot of really good things about this company so I had faith but it's awesome that I also had an amazing experience with them. Even though I have travel benefits through work I will always purchase tugo as they are just awesome to deal with!
LENORE BUZZI
Aug 06,2023Personally, my husband and I would like to say “Thank You” to TuGo. I got very sick, with pneumonia, last year( 2022 ) while travelling in the USA and I had to be hospitalized for 6 days. ToGo gave us advice and tried to get me home, to our local hospital, in Ontario, and our hospital was full. Therefore I stayed in the USA hospital and ToGo covered all expenses. There was no mix ups and no big issues with receipts etc. Thank you ToGo for your compassion.
S. TEPPER
Aug 05,2023We received professional advice, emotional support and fantastic claims experience with the staff at TuGo. At a very low point in our trip and subsequent health recovery challenges, we were treated with care, respect and integrity. All our expenses were covered without any issues. We would highly recommend TuGo!
Linda
Aug 01,2023Helpful staff and easy to put in a claim.
WILLIAM NELSON
Jul 26,2023We were in Mexico for winter. My husband started to retain water and was having a hard time breathing and walking. Took him to clinic where we were looked at by doctor. After a few times at clinic they put him on a 24 hour heart monitor and end result he was diagnosed with afib which is a heart condition. He got worse and we made decision to fly home as we had driven down. TUGO was absolutely excellent to deal with. We got my husband to hospital in BC where he spent 18 days. Weighed in at 308 pounds and lost 82 pounds in that time. He had lost some physical weight but most of this was the fluid. Had we drove home he would have had a stroke for sure. We would recommend this insurance to anyone. Did our claim online. Thank you TUGO for covering our claim.
ERIC CLEMOT
Jul 25,2023My wife was diagnosed with a serious physical illness while we were vacationing in Florida and we had to come back immediately to Canada for treatment. TuGo helped me to open a claim and I was able to recover the cost of our rental for the rest of our stay in the Florida keys. If you don't think you need interruption insurance, think again. We have never imagined a situation like this and I am very thankful for the amazing customer service and coverage provided by TuGo!
Stan Lemon
Jul 25,2023While away in Fl while having lunch I broke a tooth. I gound an emergency dentist who had to put a crown on it. I-called my insurance agent and asked if this would be covered, he wasn’t sure? Once fixed I contacted Togo, they said it wasn’t all covered but suggested I put in a claim. I was delighted to receive a cheque for $700 Cdn, the whole crown was t covered but they paid a good portion. I am very pleased with TuGo and the $700 I received. O
Swaroop George Kariath
Jul 25,2023Great experience, right from the time of my travel interruption through the claims process. The request for documentation was clear, and once I provided it the claims approval process was very smooth and transparent
sylvie lavoie
Jul 12,2023My father suffered a massive stroke while on vacation in Puerto Plata, Dominican Republic and ended up in hospital. TuGo helped my mother every step of the way to deal with the paperwork needed to open the claim. They organized his return home to Nova Scotia, Canada via air ambulance. They had great communication with us, were informative, direct and at the same time compassionate. Without their assistance this whole situation would have been way more complicated. If you think you don't need medical or emergency travel insurance, think again. We never imagined a situation like this would happen and are very thankful for the amazing customer service and coverage TuGo was able to provide.
ANDREW GOODEN
Jun 23,2023I was recently returning from vacation and my flight got cancelled due to unforeseen events. On hearing that it was cancelled, I immediately reviewed my trip cancellation/trip interruption coverage to see what was included. I was glad to see it covered reasonable accommodation and expenses incurred if I had to make an alternate booking which I did. There were a lot of disgruntled passengers but having trip insurance provided me with peace of mind. I kept all receipts, including food, hotel and transportation. On returning home, I contacted TuGo who immediately set up a claim for me and provided me with the required forms. After gathering all the documents required, I submitted them to TuGo who then processed my claim, and I received exactly the amount that I requested. Overall, this was a good experience, and I would recommend that all travelers get insurance since you never know what is going to happen. My only negative in the entire process is that the claim did take quite a bit longer than expected to process. However, their phone support and callback feature were great. In the end, the claim was settled to my satisfaction.
Larry & Pauline Rittenhouse
Oct 16,2023Upon successfully completing our applications for Med coverage while traveling I attempted to print my policy and found it virtually unreadable due to both the combination of tiny type size and faint grey ink for the tiny type. This appears to be intentional. When a more readable copy wass requested the agent quickly told us to refer to our input form; infering that they were aware of this critical shortcoming. I can only think of negative reasons for an important Insurance policy to be virtually unreadable.