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Surex represents over 10 of Canada's top insurance companies, and Tugo is one of them. When you start a quote with us, you will be able to review all the matched carriers at once, and you can then select the price and coverage that best suits you.

Tugo Travel Insurance

Whether you're planning on travelling back to your home province or to a remote location, having high-quality travel insurance is incredibly beneficial. If you're looking for travel insurance, you should team up with one of Canada's top-rated travel insurance providers: Tugo.

Tugo has been providing Canadians with reliable travel insurance coverage for nearly 60 years, making them one of the oldest providers in the country. One of the main reasons that travellers opt for Tugo is their 24/7 in-house emergency medical insurance. However, this is just the tip of the iceberg; Tugo offers a wide range of travel insurance coverage products for Canadian travellers.

insuranceWhat separates Tugo from other travel insurance companies in Canada?

Here are a few of the things that separate Tugo from other travel insurance companies in Canada:

The best emergency medical insurance plan for Canadians on the go

After spending countless hours booking, planning and looking forward to your trip, the last thing that you want is to have to deal with an unexpected medical emergency; unfortunately, it does happen.

That's why Tugo offers reliable emergency medical insurance for travellers. Tugo's emergency medical coverage can financially protect policyholders from medical facility and doctors' fees, prescriptions, emergency transportation, emergency medical treatment fees and other medical expenses incurred throughout the process.

So, even though there's a relatively small chance that you'll need immediate medical treatment during your trip, having reliable travel insurance can give you much-needed peace of mind.

Cover yourself with trip cancellation and trip interruption coverage from Tugo

Despite how hard you may try, you can't control every aspect of your trip. There are several things, like natural disasters or the death of a family member, that are simply out of your control. If an unexpected event coincides with a vacation that you've planned or are already on, you may need to cancel the trip or return home before your scheduled return date.

In most cases, your travel expenses would not be reimbursed, and you would have to cut your losses. However, if you have trip cancellation and trip interruption coverage, you don't have to worry about losing money due to an unexpected event.

Non medical package for Canadian travellers

Even if you don't want to purchase emergency medical insurance, you should always consider opting for a non medical package. Tugo's non medical travel insurance plan covers a variety of non medical emergencies and health-related packages that include useful coverages, like lost baggage insurance and insurance for missed flights.

insuranceTake advantage of a variety of optional travel insurance coverage plans

Tugo offers a wide range of optional products that you can add to your travel insurance policy. Before you book your next trip or family vacation to your home province, we suggest asking your Surex insurance advisor about the following coverage options from Tugo:

  • Rental car coverage
  • Sports and activities
  • Lost baggage insurance
  • "Cancel for any reason" coverage

Visiting Canada? Take advantage of Tugo's travel insurance for visitors

Are you thinking about going for a temporary visit to your home province in Canada? Do you dream of seeing all of the sights and attractions that Canada has in store? Are you waiting for your provincial healthcare plan to come into effect? Then you should consider opting for Tugo's travel insurance for visitors.

The Canadian government highly recommends getting health coverage prior to visiting Canada. Additionally, getting travel insurance before arriving in Canada can give you peace of mind and confidence while you travel. If something unexpected happens, like a medical emergency, you know that your travel insurance will cover the related expenses.

A Canadian travel insurance provider with a proven track record

Tugo has been providing reliable, affordable and comprehensive travel insurance for nearly 60 years. Throughout the past six decades, the team at Tugo has proven their ability to provide policyholders with support when they need it the most.

However, Tugo also strives to make a difference outside of the insurance industry. Tugo is a proud partner of the Easter Seals Canada, a group that works to create an "inclusive' and "accessible" society.

Tugo's employee volunteer program has helped support a number of community-based and non-profit organizations, including:

  • Right to Play
  • MS Society of Canada
  • Salvation Army Canada
  • Wings for Kids BC
  • YWCA Metro Vancouver
  • Plain BC
  • Belkin House
  • Project ABCD'art
  • Tim Jardine Hockey Tournament
  • World Partnership Walk

insuranceAbout Tugo Travel Insurance

Here's some useful information that you may want to know about Tugo:

Headquarters: Richmond, BC

Company website:

Number of employees: 170

Key people: Kathy Starko, President, and Patrick Robinson, CEO

Areas served: All Canadian provinces and territories. Tugo also provides travel insurance to visitors in Canada

Types of coverages that Tugo offers in Canada

Tugo specializes in high-quality travel insurance products for Canadians and visitors travelling in Canada. However, the term "travel insurance" is rather broad, so it's beneficial to take a moment to learn about the different types of coverage that Tugo has to offer.

Travel insurance coverage for Canadian citizens

If you're a Canadian resident, you can take advantage of the following types of Tugo travel insurance policies:

Emergency medical insurance

Trip cancellation and trip interruption

Trip interruption insurance

Accidental death and dismemberment

All inclusive holiday package

Non medical package

Sports and activities

"Cancel for any reason" coverage

Lost baggage insurance

Rental car protection

Travel insurance coverage for visitors in Canada

Whether you're a visitor travelling to your home province or venturing across Canada, you should consider opting for Tugo travel insurance:

Emergency medical insurance

Trip cancellation and trip interruption coverage

Trip interruption coverage

Accidental death and dismemberment

Sports and activities

*Please note that the "Senior" package does not include the all inclusive holiday package or "Cancel for any reason" coverage. Speak with your Surex insurance advisor to learn more.*

How to submit a Tugo travel insurance claim

Here's a quick step-by-step guide that you can use if you need to submit a claim online with Tugo:

  1. Create an account
  2. Fill out the claim form, print it off and send the completed document to or by mail
  3. Prepare receipts and documents related to the claim
  4. Send your signed documents

You can also submit your claim by phone or email by taking the following steps:

  1. Email or call the Tugo claims team
  2. Fill out the claim form
  3. Provide related documents and receipts
  4. Send your signed documents to or mail them to 1200-6081 No.3 Road, Richmond, BC V6Y 2B2

Want to learn more about Tugo Insurance?

If you'd like to learn more about how Tugo helps customers or any of our reputable partners, don't hesitate to contact one of our Surex advisors (our preferred term for broker). Our experienced advisors are always ready to address your questions, comments and concerns about insurance protection.

At Surex, we understand how important variety is — that's why we work with over ten of the top providers in the nation. Comparing quotes from a wide range of insurers makes it easier for Canadians like yourself to find the perfect protection for you and your family.

Call or visit our website to receive a collection of quality quotes from our insurance advisors in ten minutes or less! 

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