Canadian Travel Advisories

How does TuGo® Travel Insurance protect those who were planning on travelling outside of Canada?

Emergency Medical

As there is a travel advisory in place, if the travellers still choose to go on their trip, they won’t be covered under TuGo’s Emergency Medical if the sickness or injury is directly or indirectly caused by the reason for the travel advisory/warning.

However, you may still be covered for other emergencies not related to COVID-19. For instance, if you travel to Hawaii on May 10, 2020, and there is an avoid all or non-essential international travel advisory in place at that time, you will not be covered if your sickness or injury is directly or indirectly related to the coronavirus, but other medical emergencies may be covered, such as breaking your leg while surfing.

Trip Cancellation & Trip Interruption

Due to Global Affairs Canada issuing an “avoid non-essential” travel advisory for outside of Canada, coverage may be provided for Trip Cancellation & Trip Interruption policies. If the policy was purchased prior to March 4, 2020, travellers can submit a claim, provided that there was no avoid all or non-essential travel advisory in place at the time the insurance was purchased or trip booked to that destination. The travel advisory must still be in effect on the travellers' scheduled departure date.

Note: COVID-19 is considered a circumstance known to travellers to any destination in the world (either as a layover, a stopover, or a final destination) for policies purchased or renewed on or after March 4, 2020, regardless of whether or not an avoid all or non-essential travel advisory has been issued by Global Affairs Canada or Public Health Agency of Canada.

How to contactClaims atTuGo

For more information about your coverage or for travel assistance, you can reach Claims atTuGotoll-free at 1-800-663-0399 or collect at 604-278-4108.

Please be aware that travel warnings are updated regularly. For the latest updates and regional advisories, visit the Global Affairs Canada or Public Health Agency of Canada (PHAC) website.Global Affairs Canada or Public Health Agency of Canada (PHAC) website.

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How does TuGo® Travel Insurance protect those who were planning on going on a cruise?

Emergency Medical

As there is a travel advisory in place, if the travellers still choose to go on their trip, they won’t be covered under TuGo’s Emergency Medical if the sickness or injury is directly or indirectly caused by the reason for the travel advisory/warning.

Trip Cancellation & Trip Interruption

The Public Health Agency of Canada’s “avoid all cruise ship travel” advisory is a covered risk for Trip Cancellation/Trip Interruption polices. If the policy was purchased prior to March 4, 2020, travellers can submit a claim, but the travel advisory must still be in effect on the travellers scheduled departure date.

Note: COVID-19 is considered a circumstance known to travellers to any destination in the world (either as a layover, a stopover, or a final destination) for policies purchased or renewed on or after March 4, 2020, regardless of whether or not an avoid all or non-essential travel advisory has been issued by Global Affairs Canada or Public Health Agency of Canada.

If travellers are making changes to their travel plans, they should contact their airline and/or cruise providers before Claims at TuGo.

How to contactClaims atTuGo

For more information about your coverage or for travel assistance, you can reach Claims atTuGotoll-free at 1-800-663-0399 or collect at 604-278-4108.

Please be aware that travel warnings are updated regularly. For the latest updates and regional advisories, visit the Global Affairs Canada or Public Health Agency of Canada (PHAC) website.

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How does TuGo® Travel Insurance protect those who were planning to travel from, to or through China?

Emergency Medical

Travellers may be covered if there’s no advisory in place; however, if there is a travel advisory in place, and the travellers still choose to go on their trip, they won’t be covered under TuGo’s Emergency Medical if the sickness or injury is directly or indirectly caused by the reason for the travel advisory/warning.

Trip Cancellation & Trip Interruption

Travellers may be covered when Global Affairs Canada or PHAC has issued a travel advisory which recommends to “Avoid all travel” or “Avoid non-essential travel” to the travel destination. The advisory must be issued after the trip was booked and after the policy was purchased.

For Trip Cancellation, the travel advisory must still be in place at the time of scheduled departure. For Trip Interruption the travel advisory must be issued after departure and during the scheduled travel dates.

Note: Coverage may be provided under other circumstances, please refer to policy wording for complete list of covered risks.

Travellers who have yet to buy their insurance and book their trip to Mainland China as of January 22, 2020, will not be covered, as the virus is a known circumstance to travellers. We will continue to monitor the situation, and will update our travel warnings as the virus progresses.

If travellers are making changes to their travel plans, they should contact their airline providers before Claims at TuGo.

How to contactClaims atTuGo

For more information about your coverage or for travel assistance, you can reach Claims atTuGotoll-free at 1-800-663-0399 or collect at 604-278-4108.

Please be aware that travel warnings are updated regularly. For the latest updates and regional advisories, visit the Global Affairs Canada or Public Health Agency of Canada (PHAC) website.

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