Tugo Insurance

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• Rated 2.5 stars
  2.5 / 5 (4 Reviewers)
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Tugo Insurance offers a personal touch in a travel insurance market populated by larger, less customer-focused companies. Tugo only operates in Canada, giving the company an intimate knowledge of their customer base and making them more able to personalize travel plans to their clients.

Company Overview

Tugo Insurance, like many insurers that focus on travel, only offers a handful of coverage options, but their plans more than offer comprehensive risk protection if a customer needs it.

Tugo’s insurance plans are best suited for those who travel on personal vacations and trips (as opposed to business) and who need a local company that they can count on when they’re travelling in North America.

Some features Tugo customers have come to expect:

• Personal service from a smaller insurer
• Affordable travel insurance options
• MyTuGo, a user-friendly online platform to make claims and manage policies

From the company’s pride in being the first company in Canada to offer protection for missed flights, to Tugo’s current status as one of Canada’s Best Managed Companies, the team at Tugo works extremely hard to make sure its clients are protected any time they’re traveling, which is a great comfort for Canadians looking for personal service, not just complete protection. As a smaller company, Tugo also has relationships with Ontario brokers on whom they depend to connect customers with great travel insurance policies.

Advantages of Tugo Travel Insurance

Tugo Insurance is considered a top travel insurer in Canada, and that’s no surprise when considering some of the company’s major advantages, not the least of which is the company’s intimate understanding of the community it serves. Because Tugo is a smaller company, it makes a larger effort to offer a personal touch to customers, and there are many customer testimonials to back this up. The company gets great reviews from clients, due in large part to the following advantages:

• The ability to work with a responsible company. Tugo prides itself on being both socially conscious and environmentally responsible, being recognized for donations to various charities in the community as well as taking part in programs that help offset global emissions and protect the environment. As an example, the company prints its physical policies on post-consumer recycled paper.
• MyTugo, an intuitive policy management platform. Just because Tugo Insurance isn’t as large as some of its competitors doesn’t mean it can’t offer the same convenience for users. Policy holders can access their policy, make and resolve claims and buy new coverage, all from a handy widget on Tugo’s site called MyTugo.
• Affordable coverage for almost every customer. Because the company knows their customer base so well, no one is left out from its available policy options. Tugo offers travel coverage for seniors, students, residents and even foreign visitors to Canada. These plans range from the minimum coverage to comprehensive plans, but Tugo offers affordable options for every budget.

Tugo Insurance has clearly made a sizable effort to invest in their community, and this has helped them gain a reputation across Canada as a responsible, friendly provider of reliable solutions in travel insurance.

Tugo Insurance Products

Tugo offers travel coverage for an array of different populations, with different coverage options available tailored to each group.

Canadian Residents

Tugo covers this broad group, because the company wants to provide health and risk coverage when a client leaves Ontario, Canada or even the continent of North America. When a customer has to leave their provincial insurance at home, Tugo has them covered, offering the following protections:

• Emergency medical
• Trip cancellation and interruption
• Accidental death and dismemberment
• Non-medical package
• All-inclusive holiday packages

Travelers also have the option of adding on:

• Rental car coverage
• Baggage protection
• Coverage for sports related perils

Seniors

More narrowly, seniors in Ontario have specific needs when traveling that other groups don’t and Tugo ensures that these needs are protected, offering the same protections and optional add-ons, minus the all-inclusive holiday packages.

Foreign Visitors

Tugo Insurance also makes it a point to cover those who are traveling in Canada, or have recently moved and are waiting for their provincial insurance to kick in, with the following protections:

• Emergency medical
• Trip cancellation or interruption
• Accidental death and dismemberment
• Non-medical package
• A customized set of protections, bundled as “Visitor to Canada”

Visitors can also add on risk protection for:

• Sports injuries
• Baggage
• Rental car

Students

Students studying in Canada or abroad are covered through Tugo Insurance’s convenient plans, providing protection for hospital use and medical insurance, as well as accidental death and dismemberment.

Tugo Reviews

Rating: 3
3 /5 stars

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Colleen is an employee

Colleen on 2019-10-09 16:00:55

Pretty sure Colleen is an employee and has been consistently giving out 5 star reviews both here, anywhere else, and on Google reviews as well. I'm neutral to the company but I'd just like to point that out. In general, seems like reviews are more negative than positive. Just some food for thought....

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Rating: 1
1 /5 stars

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Stay away from these scammers!

Jenny on 2019-08-09 22:28:46

STAY AWAY! If I could give them negative stars I would.

I'm a graduating international student who's been in Canada for a few years. The insurance plan that is provided through my school is about to expire so I'm shopping for other plans. Tugo said I'm ineligible for their plans because I've seen a doctor after I arrived in Canada A FEW YEARS AGO. This is ridiculous and obviously a lie. Based on this, any graduating student who's ever had the flu is ineligible for their plans.

I would strongly recommend that you stay away from these scammers. I've heard that they don't cover everything the policy says. They'll twist things to make sure your claim isn't covered.

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Rating: 5
5 /5 stars

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  User: 100%
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Tugo helped me save thousands

Colleen on 2019-02-27 15:24:27

I travelled to Hawaii recently and had purchased travel insurance from Tugo (which i never thought I'd use).

Later during our trip, I was surfing in Waikiki when my surfboard hit me in the face. I ended up having to call Tugo to make a claim. I didn't wait long for customer service to answer my call. Without hesitation, they were able to tell me where the best and closest hospital was, so I went. I ended up needing liquid stitches. For a trip to the hospital and the treatment I received, I think bill ended up being in the tens of thousands of USD. I called TuGo back to let them know what happened and their friendly customer service agent told me exactly what I needed to do to complete my claim. I followed her instructions, sent inmy official claim and after a few short weeks, they were able to handle everything for me -- and all I had to do was pay my small deductible. I'm so grateful I bought travel insurance and that TuGo was able to help me with finding the best local hospital and dealing with all of the medical bills I racked up.

FI'm giving them 5 stars all around and I highly recommend using TuGo for anyone who needs emergency medical coverage while traveling in the US or abroad.

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Rating: 1
1 /5 stars

• Savings
  User: 10%
• Application Process
  User: 40%
• Claims Process
  User: 10%
• Rate stability
  User: 20%
• Document delivery
  User: 10%

don"t bother

marshall on 2018-05-15 19:02:20

Great on the phone until you have a legitimate claim. Not interested in hearing your horror story. Don't bother with these providers (lack of providers).

Mitchell & Whale Team on 2018-12-12 22:52:17

Hmm, did they deny the claim?

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