Learn all about Tugo Travel Insurance for Canadians, its underwriter, coverage for COVID-19, and if it’s a good choice for your travel needs.
Travel insurance is an essential part of planning any trip, offering protection from unexpected situations such as medical emergencies, trip cancellations, and lost baggage. Among the many travel insurance options available to Canadians, Tugo Travel Insurance stands out for its flexible coverage and affordable plans. In this article, we’ll explore whether Tugo is a good travel insurance provider, who underwrites its policies, and if it covers COVID-19 related claims.
Is Tugo Travel Insurance Good?
Tugo Travel Insurance has built a reputation for being one of the leading travel insurance providers in Canada. It’s recognized for its customer-centric approach, broad coverage options, and affordable premiums. Here are a few reasons why Tugo is a strong choice for travel insurance:
a) Comprehensive Coverage Options
Tugo offers a variety of plans that cater to different types of travelers, from occasional vacationers to frequent flyers and long-term travelers. The range of coverage includes:
- Emergency Medical Coverage: This is one of the most important travel insurance coverages, and Tugo offers substantial protection for medical emergencies while traveling. With coverage up to $5 million, Tugo ensures that you’re protected if you require medical attention abroad.
- Trip Cancellation & Interruption Coverage: Tugo’s policies also protect you financially in case your trip is canceled or interrupted due to unforeseen events, such as illness or family emergencies. This can save you from losing money on non-refundable flights, hotels, or other travel bookings.
- Baggage Loss or Delay Coverage: Losing your luggage or having it delayed can be a frustrating experience. Tugo offers coverage for lost or delayed baggage, helping you replace essential items or recover your losses.
b) Competitive Pricing
Tugo is often praised for its affordable travel insurance plans. Compared to other providers in Canada, Tugo offers excellent value for money, particularly for single-trip and multi-trip annual plans. Whether you’re looking for basic emergency medical insurance or a comprehensive package that includes trip cancellation and baggage protection, Tugo’s plans are generally cost-effective.
c) Good Customer Reviews
Customer satisfaction is an important factor when choosing travel insurance. Many travelers who have used Tugo report positive experiences, particularly when it comes to the claims process. Tugo’s claims process is typically efficient, with many customers noting quick resolutions to their claims. This is a crucial aspect of travel insurance, as travelers need a company that responds promptly when unexpected situations arise.
d) Great for Frequent Travelers
For Canadians who travel multiple times per year, Tugo’s multi-trip annual plans offer convenience and savings. Instead of buying separate policies for each trip, you can get a single plan that covers all your travels within a year. This is especially useful for business travelers or those who take several vacations annually.
Who Underwrites Tugo Travel Insurance?
Tugo Travel Insurance is underwritten by Industrial Alliance Insurance and Financial Services Inc., a leading Canadian insurance company. With over 125 years of experience, Industrial Alliance is a trusted name in the insurance industry, providing Tugo with a strong financial backing and ensuring the stability of their travel insurance products.
Industrial Alliance is also regulated by the Office of the Superintendent of Financial Institutions (OSFI), which provides oversight and ensures that they meet all the required financial and operational standards. This adds another layer of reliability to Tugo Travel Insurance, as policyholders can trust that their claims will be honored by a well-established and financially secure company.
Does Tugo Travel Insurance Cover COVID-19?
One of the most common concerns for travelers today is whether their insurance covers COVID-19 related expenses. Fortunately, Tugo offers COVID-19 coverage for emergency medical treatment and trip cancellations, making it a great option for travelers during the pandemic.
a) Emergency Medical Coverage for COVID-19
If you contract COVID-19 while traveling, Tugo’s emergency medical insurance covers the costs associated with treatment, provided that your trip wasn’t booked against government travel advisories. This includes:
- Hospitalization costs
- Doctor’s visits and consultations
- Medication
- Medical evacuation if required
Tugo’s COVID-19 coverage is included in its emergency medical insurance plans, giving travelers peace of mind that they’re protected from costly medical bills related to the virus.
b) COVID-19 Trip Cancellation and Interruption Coverage
If you have to cancel your trip due to a COVID-19 diagnosis or if your trip is interrupted because of a sudden outbreak or government-imposed travel restrictions, Tugo’s Trip Cancellation and Trip Interruption Insurance may cover the costs. This includes compensation for non-refundable travel expenses such as airline tickets and hotel bookings.
Tugo’s trip cancellation and interruption policies ensure that if COVID-19 disrupts your travel plans, you won’t lose the money you invested in your trip.
Why Choose Tugo Travel Insurance?
There are several reasons why Canadians choose Tugo Travel Insurance over other providers:
a) Flexible Plans
Tugo offers a wide range of plans that can be customized to suit your specific travel needs. Whether you’re looking for a single-trip plan, multi-trip annual coverage, or additional protection for trip cancellations, Tugo has flexible options that allow you to choose the level of coverage you need.
b) Excellent Customer Service
Customer service is a crucial element of any travel insurance policy. With Tugo, you get access to a 24/7 emergency assistance hotline, where you can speak to representatives who can guide you through any situation, from locating a doctor to arranging medical evacuations.
c) Coverage for Pre-Existing Conditions
Tugo’s emergency medical insurance also includes coverage for pre-existing conditions, provided that the condition is stable before you travel. This is an important feature for travelers who have ongoing medical concerns, as many insurance companies either exclude pre-existing conditions or charge higher premiums to cover them.
d) Insurance for Visitors to Canada
In addition to offering travel insurance for Canadians going abroad, Tugo also provides insurance for visitors coming to Canada. This is an excellent option for those who have family or friends visiting from other countries, as it ensures that they are covered for any medical emergencies that may arise during their stay in Canada.
Conclusion
Tugo Travel Insurance is a solid option for Canadians looking for reliable and affordable travel insurance. With a wide range of coverage options, competitive pricing, and a strong underwriter in Industrial Alliance, Tugo offers travelers the peace of mind they need when traveling. Its coverage for COVID-19 related emergencies and trip interruptions makes it especially relevant in today’s world.
Before purchasing any travel insurance policy, it’s important to review the terms and conditions, ensuring that you fully understand the coverage and any exclusions. Overall, Tugo Travel Insurance is a reputable and dependable choice for Canadians seeking protection for their travels, both domestic and international.
