Home Travel Insurance The Final Information to Buying Canadian Journey Insurance coverage

The Final Information to Buying Canadian Journey Insurance coverage

The Final Information to Buying Canadian Journey Insurance coverage


With the uptick in journey and the frustrations travellers are experiencing in airports, you’ll wish to be ready for something. And whereas journey insurance coverage can appear very complicated at instances, by taking the time to be taught extra about journey insurance coverage, you’ll have the ability to be sure to and your family members are coated irrespective of the place your adventures take you. 

Issues can change at a second’s discover, so it’s necessary to just remember to’ll have the ability to keep away from a pricey medical emergency overseas, shedding all of the non-refundable deposits you’ve put down on your dream trip, and/or stop a denied journey insurance coverage declare. 

On this submit, we’ll be breaking down journey insurance coverage fundamentals; the different sorts, why it’s necessary, learn how to buy it, and a cheat sheet for selecting the best journey protection. 

What’s journey insurance coverage & why does it matter?

Journey insurance coverage will not be essentially the most thrilling a part of your travels, nevertheless it’s probably the most necessary. Buying protection can look like an pointless expense, however the correct journey coverage offers an necessary security internet whenever you’re away from residence. 

Similar to you wouldn’t drive a automotive with out automotive insurance coverage or personal a house with out residence insurance coverage, buying the correct journey insurance coverage protects you from the prices related to issues like sudden medical emergencies, cancelled flights, or misplaced baggage.  

The professionals & cons of shopping for journey insurance coverage 

In fact, the highest “professional” for buying journey insurance coverage is just peace of thoughts. As journey continues to ramp up, the correct insurance coverage coverage gives you the pliability you’ll want to journey worry-free.  

Right here’s a fast take a look at some professionals & cons: 


  • Peace of thoughts
  • Ensures the most effective care within the occasion of an costly medical emergency overseas
  • Covers journey cancellations, interruptions and delays 
  • Covers the price of misplaced or stolen baggage and valuables 
  • Covers rental automotive harm 


  • Is an extra value to your journey (though you’ll be grateful to have it whenever you want it) 
  • Relying on the insurance coverage supplier, age and pre-existing medical circumstances can void or limit protection 
  • Sure high-risk sports activities or actions will not be coated 

The added expense of journey insurance coverage is among the fundamental causes some travellers might skip shopping for it. Tales from different travellers who’ve had their claims denied or came upon they weren’t coated after an emergency already occurred, might also make you query the worth of buying a coverage.  

Nevertheless, the easiest way to keep away from these “cons” is to make sure that you learn and perceive your coverage. When you’re feeling overwhelmed by your coverage paperwork, don’t hesitate to succeed in out to your insurance coverage skilled or supplier to ask for assist! 

Airport signage baggage claim, ground transportation

Varieties of journey insurance coverage

Journey insurance coverage is break up into two fundamental sorts– emergency medical and non-medical protection. Insurance policies ought to be customizable on your particular wants; that’s why it’s necessary to succeed in out to an insurance coverage skilled to search out out what’s best for you.  

Let’s dig in…  

Emergency Medical Insurance coverage

That is the most typical kind of journey insurance coverage and is a must have for any journey. This insurance coverage offers emergency medical protection for sudden accidents or illness requiring consideration whilst you’re travelling; be sure that your protection contains protection for bills resulting from COVID-19.

Non-Medical Insurance coverage

One other frequent kind of journey insurance coverage is “non-medical” protection. Particularly if you have already got emergency medical protection, this insurance coverage will assist fill within the gaps—lacking flights, misplaced baggage and extra. Some of these plans will be bought individually or as a bundle. When a non-medical plan is bought as a bundle, you’ll be coated. 

Journey Cancellation & Journey Interruption Insurance coverage

When you’re compelled to cancel your journey, this insurance coverage will reimburse your journey prices in case your plans are cancelled earlier than your departure, resulting from one of many coated dangers listed within the coverage. You’ll even be coated within the occasion of a delay or in case your journey is interrupted throughout your travels.

Journey Interruption Insurance coverage 

Whenever you’re positive that you simply gained’t cancel your journey, this protection is an reasonably priced various to Journey Cancellation & Journey Interruption Insurance coverage. It covers interruptions or delays, resulting from one of many coated dangers listed within the coverage, after your departure, and/or all through your trip. 

Unintended Demise & Dismemberment (AD&D)

With AD&D insurance coverage, you’ll have peace of thoughts understanding you’ll have protection within the occasion of an accident inflicting demise or dismemberment whereas in your journey.

Baggage Insurance coverage 

With unlucky baggage delays turning into a daily incidence for a lot of travellers, non-compulsory add-ons like baggage insurance coverage can give you much more peace of thoughts.

With TuGo, in case your baggage finally ends up being delayed, misplaced, or stolen in your journey, this non-compulsory add-on protection will be added to quite a lot of single journey insurance coverage. With our Baggage Insurance coverage, you’ll obtain reimbursement for:  

  • Misplaced, broken, destroyed or stolen baggage and private results, anyplace on the earth, on water, land or within the air 
  • Stolen foreign money resulting from theft or theft, as much as the profit restrict 
  • Private requirements in case your baggage is delayed, as much as the profit restrict 

Rental Automotive Safety  

Rental Automotive Safety says it within the identify: it protects your rental car in opposition to harm or loss. With TuGo, this non-compulsory add-on protection will be added to quite a lot of single journey insurance coverage to cowl: 

  • Bodily harm to a leased or rented car 
  • Lack of a leased/rented car
  • Towing, salvage, fireplace division costs, customized duties, and cheap lack of use

Customise your journey insurance coverage

Single journey versus multi journey annual plans

When you’re headed for one dream-worthy trip a yr, a Single Journey Emergency Medical plan will give you the protection you want for that one journey. This plan is customizable, and obtainable for worldwide journey, for worldwide excluding USA journey and for journey inside Canada.  

When you’re a frequent flyer who takes multiple journey in a given yr, Multi Journey Annual Emergency Medical is the best choice. With this plan, you get to decide on the journey size and may have protection for limitless journeys on your chosen variety of days for your entire yr.  

TuGo additionally gives Journey Cancellation & Journey Interruption Insurance coverage, Journey Interruption Insurance coverage and AD&D as single journey or multi journey annual plans

Have already got Emergency Medical with one other supplier? It’s possible you’ll want a High Up plan!

You probably have journey insurance coverage by means of your bank card or worker advantages plan and understand that it gained’t cowl the complete size of your deliberate journey, High Up protection is out there. 

In case your present plan solely covers 10 days, however you’re planning to go away for 14 days, you will get TuGo Journey Insurance coverage as a top-up coverage to cowl the rest of your journey; on this case, it’d be 4 days. That method, you’ll by no means be with out protection. Nevertheless, it is best to confirm along with your present supplier that they permit their protection to be topped up by one other insurance coverage supplier as they could void or limit protection in the event you don’t lengthen or top-up with them. 

Group of young men cheering after whitewater rafting

Non-compulsory protection add-ons obtainable with TuGo 

Sports activities & Actions Protection 

TuGo gives an non-compulsory protection that permits you to be as adventurous as you wish to be!, When added to TuGo’s commonplace Emergency Medical Insurance coverage,  get protection for sports activities/actions like:  

Questioning in case your sport or exercise of alternative is roofed? Study extra about what’s coated below TuGo’s Non-compulsory Sports activities & Actions Protection.  

Cancel for Any Motive 

This non-compulsory protection is out there as an add-on to TuGo’s Journey Cancellation & Journey Interruption Insurance coverage, All Inclusive Vacation Bundle and Non-Medical Bundle. It’s nice in the event you’re searching for flexibility. When bought within the 5 days from the date of creating the preliminary cost, or earlier than any cancellation penalties from the journey provider apply, you’ll have the ability to: 

  • Cancel your journey for any motive not already listed as a coated danger within the coverage 
  • Be reimbursed as much as 50% of the pre-paid, unused non-refundable journey prices, or as much as the sum insured chosen earlier than departure which is non-refundable and non-transferable to a different date—so long as you cancel your journey greater than 5 days earlier than your departure date.

Varieties of journey insurance coverage packages obtainable with TuGo

All Inclusive Vacation Bundle 

This all-in-one journey insurance coverage bundle is out there to travellers 59 years of age or youthful, and offers complete protection together with Emergency Medical, Journey Cancellation & Journey Interruption, AD&D and Baggage Insurance coverage. 

Non-Medical Bundle 

If you have already got emergency medical protection however wish to shield your self from different journey mishaps, a Non-Medical Bundle could also be best for you. This bundle combines Journey Cancellation & Journey Interruption, Unintended Demise & Dismemberment (AD&D) and Baggage Insurance coverage, so that you’ll be coated for missed flights, misplaced baggage and extra.  

Phrases to know 

Understanding your insurance coverage coverage is paramount to making sure you’ve gotten the protection you want, and helps you keep away from a denied insurance coverage declare. Under, you’ll discover 3 key journey insurance coverage phrases that will help you evaluation your coverage.  

  1. Premium: That is the sum of money you’ll pay an insurance coverage firm in change for protection. The price of your premium quantity might be completely different relying on the kind of coverage, the person, deductibles, limits, of protection. 
  2. Deductible: The portion of eligible bills you need to pay from your individual pocket when an eligible declare happens. For instance, when you have a $500 deductible for medical emergencies in your insurance coverage coverage, and also you’re in an accident that ends in $5,000 in hospital prices, the coverage would pay $4,500.
  3. Exclusion: Exclusions define conditions or occasions that your journey insurance coverage coverage doesn’t cowl.
Older woman with open luggage using her laptop

When to purchase journey insurance coverage

You should buy journey insurance coverage so long as you haven’t already left in your journey. Nevertheless, it’s greatest to not wait till the final minute since your coverage should be bought earlier than departing in your journey to be legitimate.  

For Journey Cancellation Insurance coverage, it’s necessary to notice that in the event you bought your coverage greater than 72 hours after you booked your journey, you gained’t be coated for illness, sickness, or demise (aside from attributable to an accident) throughout the 72 hours after the date the insurance coverage is bought.  

The earlier you buy, the higher. As soon as your trip is booked and your deposits are paid, this insurance coverage will cowl sudden occasions that occur earlier than you allow. An premature sickness or harm, job loss, or different circumstances outlined in your coverage wording that thwart your trip plans will possible be coated.  

Making ready to purchase journey insurance coverage 

We hope that this deep dive has given you the instruments you’ll want to really feel assured to buy the correct journey insurance coverage coverage. Taking the time to know your journey protection all the time pays off in the long term. Whether or not you’re a seasoned traveller, or simply beginning out, right here’s our cheat sheet that will help you ask your insurance coverage skilled the correct inquiries to get the protection you want. 

Journey Insurance coverage Cheat Sheet

In order for you:  Be certain your journey coverage contains: 
Cost of medical bills in the event you get sick or injured on a visit and wish emergency care that’s not coated by your authorities medical insurance plan Emergency Medical Insurance coverage 
To be coated below your emergency medical plan in the event you’re collaborating in excessive sports activities or high-risk actions  Sports activities & Actions Non-compulsory Protection (particularly obtainable from TuGo) 
Reimbursement of non-refundable reservations in the event you get sick and must cancel your journey or finish a visit early; reimbursement in the event you incur further prices (e.g., lodging) resulting from a delay by the airline or different provider.  Journey Cancellation & Interruption Insurance coverage 
Reimbursement of your non-refundable pre-paid journey prices irrespective of why it’s important to cancel your journey.  “Cancel for Any Motive” Protection (particularly obtainable from TuGo) 
Cost for misplaced, stolen or broken baggage.  Baggage Insurance coverage
To be coated in case you are renting a automotive whereas on trip and wish to have safety for rental automotive harm.  Rental Automotive Safety 

For extra info, go to our Journey Insurance coverage FAQs web page, or contact your trusted insurance coverage skilled or TuGo’s Buyer Service group

Protected travels,



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