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COVID-19: Travel Medical for Canadians

Will my Emergency Medical Insurance policy cover me for COVID-19 when I travel outside of Canada?

Yes, effective June 22, 2021, your Emergency Medical Insurance Worldwide or Excluding USA policy will cover you for COVID-19 medical and related expenses, if you’ve followed your provincial/territorial Health Authority’s protocols and: 

  • You’ve been partially vaccinated with a Health Canada approved dose at least 14 days before your departure date. 

  • If available to you, you’ve received or scheduled any subsequent vaccine doses before your departure. 

  • You’ll also be covered if you aren’t eligible for a vaccine due to your age.

If you haven’t received a vaccine for other reasons, you can still get coverage if you add the COVID-19 Insurance – Unvaccinated plan to your Emergency Medical plan.

Am I covered for COVID-19 within Canada?

You’ll be covered by your provincial healthcare plan for COVID-19 and other medical emergencies. That said, you may want to consider purchasing Within Canada Emergency Medical Insurance for the other costs that can be incurred like an ambulance ride, return of vehicle and more.

Am I covered for COVID-19 if I've already received a vaccination and have purchased a TuGo Emergency Medical Insurance plan before June 22, 2021?

If you’ve purchased a TuGo Emergency Medical Insurance policy before June 22, you'll now be covered for COVID-19—even if you’ve already left on your trip—as long as you’ve followed your provincial/territorial Health Authority’s protocols and:

  • You’ve been partially vaccinated with a Health Canada approved dose at least 14 days before seeking treatment for the medical emergency.
  • If available to you, you’ve received or scheduled any subsequent vaccine doses before seeking treatment for the medical emergency.
  • You’ll also be covered if you aren’t eligible for a vaccine due to your age.

If you bought COVID-19 Insurance before June 22, you can still take advantage of the additional benefits that apply to that coverage, not available under Emergency Medical Insurance. Please note, a refund isn’t available after the effective date (see refund section below).

Am I covered for COVID-19 if I'm not vaccinated, but have purchased a TuGo Emergency Medical Insurance plan before June 22, 2021?
  • If you purchased a TuGo Emergency Medical Insurance Worldwide or Excluding USA plan with COVID-19 Insurance before June 22, you’ll continue to have the same coverage as before June 22. See the Unvaccinated section below for more details.
  • If you purchased a TuGo Emergency Medical Insurance Worldwide or Excluding USA plan but didn’t buy COVID-19 Insurance, you can still be covered if you addCOVID-19 Insurance - Unvaccinated on or after June 22 and before your departure date. See the Unvaccinated section below for more details.
I’m an essential service provider, am I covered?

As of June 22, 2021, if you’re an essential service provider who has been vaccinated, you’ll be covered under the Emergency Medical Insurance policy. If you're not vaccinated, you’ll need to purchase the COVID-19 Insurance – Unvaccinated plan alongside your Emergency Medical plan.

COVID-19 Coverage for Vaccinated Travellers

What does “following the provincial/territorial Health Authority’s vaccine protocols” mean?

Coverage for COVID-19 is available under the TuGo Emergency Medical Insurance plan, provided you follow the COVID-19 vaccine protocols of your provincial/territorial Health Authority. This means you must register for a vaccine and book your appointment as soon as it is available to you, unless you can’t be vaccinated due to age.

Most Canadians have now received their first vaccine dose, if they’ve chosen to. If you’re planning a trip, you’ll need to keep in mind that you'll only have coverage for COVID-19 if your departure date is more than 14 days after your first vaccination date. You’ll also have coverage if you've booked your second dose, but haven’t received it at the time of departure.

I received my first COVID-19 vaccine dose less than 14 days before my departure date. What are my COVID-19 coverage options?

If you were vaccinated less than 14 days before your departure date, you can still get coverage, but you’ll need to purchase theCOVID-19 Insurance - Unvaccinated plan. This plan must be purchased with a TuGo Emergency Medical Worldwide or Excluding USA plan, and you must meet the eligibility requirements of both the TuGo Emergency Medical plan and the COVID-19 – Unvaccinated plan.

I’m now eligible for my second or subsequent vaccine dose, but my appointment was scheduled for after I return from my trip. Can I buy Emergency Medical Insurance and still be covered for COVID-19?

Even though you didn’t receive the subsequent dose of the vaccine, coverage would be provided for COVID-19 under the TuGo Emergency Medical plan, since you’ve followed your provincial/territorial Health Authority’s vaccine protocol by registering and booking your appointment before leaving on your trip.

My family plans to travel soon. My spouse, oldest child and I are vaccinated, but my youngest child isn’t yet due to being under 12. Will TuGo cover our family for COVID-19?

Yes, the TuGo Emergency Medical Insurance plan would cover your whole family. Children who aren’t eligible for a vaccine due to their age are also covered by the COVID-19 benefit.

If I receive a vaccine before my trip and have a reaction before my departure, will this be considered a pre-existing medical condition?

Yes, it would be a considered a pre-existing medical condition and needs to meet the stability requirements of Emergency Medical Insurance.

If I receive a vaccine before my trip and have a reaction while on the trip, will this be covered? 

If the onset of the adverse reaction or complication occurs after departure, this would be considered unexpected and coverage would be provided under Emergency Medical Insurance, subject to the policy terms and conditions. It’s not covered under our COVID-19 Insurance - Unvaccinated, since it isn’t COVID-19-related.

If I receive a vaccine during my trip, will it be covered?

No, a vaccine is considered a preventative measure, not an emergency medical treatment. The vaccine would neither be covered under our Emergency Medical Insurance nor COVID-19 Insurance – Unvaccinated plan, since a vaccine isn’t a medical emergency.

If I receive a vaccine during my trip and have a reaction while on the trip, will this be covered? 

Yes, you would be covered under Emergency Medical Insurance, subject to the policy terms and conditions. The vaccine itself wouldn’t be covered, since it isn’t an emergency medical treatment.

If I’ve previously been diagnosed with COVID-19, am I still eligible to purchase coverage? What requirements do I need to meet?

You can only buy the TuGo emergency Medical Insurance plan or the COVID-19 Insurance – Unvaccinated plan if you haven’t been diagnosed with COVID-19 on or within 30 days before departure and aren’t showing symptoms on or within 14 days before departure.

COVID-19 Coverage for Unvaccinated Travellers

What is the COVID-19 Insurance - Unvaccinated plan?

The COVID-19 Insurance – Unvaccinated plan is designed for travellers who have not received a COVID-19 vaccine or have received their first dose of vaccine less than 14 days from their departure date.

Can I buy the COVID-19 Insurance – Unvaccinated plan while away on my trip?

No, TuGo’s COVID-19 Insurance - Unvaccinated plan must be purchased before you leave on your trip with a new or existing Emergency Medical policy.

I have a Multi Trip Annual Emergency Medical Worldwide policy. How do I get the COVID-19 Insurance – Unvaccinated plan for my upcoming trip?

The COVID-19 Insurance – Unvaccinated plan is only available on a single trip basis; if you have a Multi Trip Annual policy, you’ll need to buy a COVID-19 Insurance – Unvaccinated plan for each trip you take throughout the year.

Does answering the COVID-19 Medical Questionnaire mean I’m covered for pre-existing medical conditions? 

No, there is no coverage for pre-existing conditions under the COVID-19 Insurance – Unvaccinated plan. However, we consider diagnoses of COVID-19 as isolated cases and not pre-existing conditions.

Can I buy the COVID-19 Insurance - Unvaccinated plan if I have coverage from another travel insurer? 

No, the COVID-19 Insurance – Unvaccinated plan is only available when purchased with a TuGo Emergency Medical Insurance plan that’s in effect for the same period of coverage as the COVID-19 Insurance - Unvaccinated plan.

COVID-19: Tests

Will the mandatory COVID-19 test be covered? 

No, since the mandatory COVID-19 test is not a medical emergency, the test (including any additional COVID-19 test taken to meet government requirements) won’t be covered under any of our plans, regardless of the test results.

Where can I get a COVID-19 PCR test before leaving Canada?

CVM Medical offers fast, easy and private testing in its Calgary, Vancouver and Nanaimo, BC clinic locations. Private testing is also available in your Canadian your residence or place of business. Find out more.

If my mandatory COVID-19 test comes back positive, will I be covered for medical and other expenses?

Yes, coverage is available under the Emergency Medical Insurance or the COVID-19 Insurance – Unvaccinated plan.

If I’m showing symptoms while on my trip and get tested, but my COVID-19 test results come back negative, will the test be covered? 

No, the cost of the test wouldn’t be covered by our Emergency Medical Insurance or the COVID-19 Insurance – Unvaccinated plan.

If my policy is expiring and I’m waiting for my mandatory COVID-19 test results, can I extend my policy? 

Yes, you can extend your policy, subject to the policy terms and conditions. If the test comes back positive, coverage will be provided for medical and related expenses, but the cost of the test won’t be covered.

If my policy is expiring and my mandatory COVID-19 test results come back positive, can I extend my policy?

Yes, automatic extensions to coverage for medical and related expenses are available, subject to the policy terms and conditions. The automatic extension period would vary depending on the reason you need to extend your trip.

COVID-19: Travel Medical for Visitors to Canada & Students

Am I covered?

If you purchased a new Visitor to Canada Emergency Medical, Visitor to Canada Holiday Package, or Student Medical policy on or after July 8, 2020, coverage for COVID-19 may be provided, subject to the terms and conditions of the policy, just like any other medical condition.

If you purchased a policy between April 3, 2020 and July 7, 2020 coverage will not be provided for any COVID-19 related medical conditions. However, if the policy is still in effect on or after July 8, 2020, you will be covered for COVID-19 from July 8 onwards. This means that coverage can change mid-trip.

If you purchased a policy that went into effect before April 3, 2020 and did not experience any symptoms upon arrival in Canada, coverage for COVID-19 may also be provided, subject to the terms and conditions of the policy.

COVID-19: Trip Cancellation & Trip Interruption

Am I covered?

As of March 4, 2020, COVID-19 is considered a known circumstance for travel, which means it’s no longer considered sudden and unexpected.

If you bought Trip Cancellation & Trip Interruption Insurance March 4, 2020 or later, there is no coverage for cancellation or interruption as a result of COVID-19.

If you bought Trip Cancellation & Trip Interruption Insurance before March 4, 2020, and you would like to cancel your trip, coverage would still apply, provided there was no travel advisory to avoid all or non-essential travel to your destination at the time your trip was booked or the insurance was purchased. Please note the travel advisory must still be in effect on your scheduled departure date or in the 7 days before.

I have Cancel for Any Reason coverage. Can I cancel because of reasons related to COVID-19?

Yes, if you have the Cancel for Any Reason option added on to your Trip Cancellation & Trip Interruption Insurance, you can enjoy flexibility whenever your trip is cancelled for any reason that’s not already listed as a covered risk in the policy. The terms and conditions of the policy would still apply.

Note: As of January 29, 2021, this option is temporarily unavailable for purchase.

If I received a vaccine before buying Trip Cancellation & Trip Interruption Insurance, but have a reaction after buying the policy, can I cancel my trip? 

Yes, coverage would be provided subject to the policy terms and conditions, if you didn’t have symptoms at the time the insurance was purchased. 

Notes: If you had symptoms/complications before you purchased the insurance, this wouldn’t be covered, since the symptoms were a circumstance known to you–which might reasonably be expected to prevent travel as booked. 

If you purchased the insurance more than 72 hours after booking the trip, any illness, disease, or death occurring within 72 hours of purchasing the insurance wouldn’t be covered.

If I received a vaccine after buying Trip Cancellation & Trip Interruption Insurance and have a reaction before I leave on my trip, can I cancel my trip? 

Yes, coverage would be provided subject to the policy terms and conditions.

If I received a vaccine after buying Trip Cancellation & Trip Interruption Insurance and have a reaction while on my trip, can I interrupt my trip?

Yes, if you had a reaction to a vaccine, coverage would be provided subject to the policy terms and conditions.

My flight to, within, or from the US was cancelled by the airline. Can I claim with TuGo?

The US Dept of Transportation requires that all US and foreign airlines with flights travelling to, within or from the US provide a refund to travellers when the airline cancels the flight.

For example, if you have a flight to New York with Air Canada, and the airline cancels the flight, you’re entitled to a full refund on their airfare.

These expenses aren’t covered under our policy since they are refundable by the airline. TuGo’s Trip Cancellation & Interruption Insurance covers non-refundable pre-paid travel costs.

  • Since you’re entitled to refunds when these flights are cancelled by the airlines, you must contact the airline directly.
  • Unfortunately, not all airlines are following these obligations, so you may have to escalate a complaint with your carrier.
My flight to, within, or from countries in the European Union (EU) was cancelled. Can I claim with TuGo?

The European Commission requires that any airline with flights travelling within or scheduled to leave Europe to provide a refund to travellers when the airline cancels the flight. For cancelled flights into Europe, refunds are available for all European airlines. This applies to EU member countries and the non-EU members that are part of the Schengen zone (Switzerland, Liechtenstein, Norway and Iceland).

For example, if you have a flight from Montreal to Paris with Air France, and the airline cancels the flight, you’re entitled to a refund on your airfare. But if you had booked the flight with Air Canada and that flight was cancelled, Air Canada is not required to issue a refund under the EU’s Air Passenger Rights, although they might choose to do so. If the airline does not issue a refund, you may then claim for the non-refundable expenses.

Most of these expenses aren’t covered under our policy since they are refundable by the airline. TuGo’s Trip Cancellation & Interruption Insurance covers non-refundable pre-paid travel costs.

  • Since you’re entitled to refunds when these flights are cancelled by the airlines, you must contact the airline directly.
  • Unfortunately, not all airlines are following these obligations, so you may have to escalate a complaint with your carrier.

COVID-19: Claims

As an unvaccinated traveller, what happens if I’m hospitalized for a medical emergency unrelated to COVID-19, but I contract COVID-19 while in the hospital? Will medical expenses be covered under the Emergency Medical Insurance plan or the COVID-19 Insurance – Unvaccinated plan?

Eligible expenses related to the original medical emergency would be covered up to the policy limit of your Emergency Medical Worldwide or Excluding USA Insurance. Eligible expenses specifically related to COVID-19 will be covered up to the policy limit, $1 million, under the COVID-19 Insurance – Unvaccinated plan.

If I bought Emergency Medical Insurance and COVID-19 Insurance before June 22, 2021 and need to make a claim now, do I need to do anything differently?

No, you’ll follow our usual process to make a claim.

How can I submit a claim?

To make a claim, please submit online, call 1-800-663-0399 or email claims@tugo.com.

For more information, please visit our Claims FAQ.

COVID-19: Refunds

I purchased a COVID-19 Insurance plan before June 22, 2021. Can I get a refund?

You can cancel your COVID-19 Insurance policy before the effective date or within 10 days of the application date (if travel hasn’t yet taken place), for a full refund. Refunds aren’t available if the policy has already gone into effect.

What about travel medical refunds?

If you decided not to go on your trip and your policy has not gone into effect, a full refund, or a voucher for the full refund amount may be available to you.

Single Trip Emergency Medical
If you returned early from your trip, a voucher or refund is available for your unused number of days on your emergency medical policy, as long as you don’t claim or have any intention of claiming on your policy.

Annual Emergency Medical Plan
If you have travelled on your annual policy, refunds are not available. However, if you bought an  extension to your Multi Trip Annual policy (for example, you added an extra week to your 10-day annual policy trip length), you may be able to get a refund.

Option 1: Bonus Offer! Travel Insurance Voucher

When you choose a Travel Insurance Voucher for future travel plans instead of a refund, you:

  • Get a minimum of 10% more days added to your future travel policy! We’ll round up the bonus day, offering you at least 1 extra day free of charge. You can also split up your voucher days over more than 1 trip.
  • Will have any administration fees waived, if applicable.

To proceed with a voucher, visit Travel Insurance Voucher.

Option 2: Partial refund

To proceed with a refund, you’ll need to:

  1. Download, save and complete TuGo’s Refund Application
  2. Submit proof of your return home
  3. Email both documents to refunds@tugo.com

For all other requests please contact TuGo Customer Service at 1-855-929-8846 or info@tugo.com.

Have BCAA Travel Insurance?

Contact BCAA directly.

If the travel advisory changes to a Level 4 (avoid all travel) and I decide to return home early, am I eligible for a partial refund? 

While there are no partial refunds allowed under our COVID-19 Insurance - Unvaccinated plan, a refund request can be submitted under the Emergency Medical Insurance plan for the unused portion of the trip, if there are no claims submitted under the medical plan.

Limited Time Offer: 15-month Multi Trip Annual Insurance

I heard there’s a limited time offer. What’s that all about?

TuGo is offering 15 months of Multi Trip Annual Insurance coverage for the price of 12 on new sales, renewals and auto-renewals, until September 30, 2021.

If I have automatic renewal, will my policy be renewed with the 15-month annual offer?

Yes, TuGo is pleased to renew policies that come up for renewal from now to September 30, 2021 on the 15-month plan.

Can I renew my annual policy early to take advantage of the limited time offer?

Yes, you’re welcome to contact your broker or TuGo’s Customer Service to renew your policy early and take advantage of the offer before September 30, 2021.

Do I have to renew with the 15-month limited time offer?

No, you can choose to renew on the standard 12-month annual plan. Simply contact your broker or TuGo’s Customer Service to advise of your preference.

Why Buy Travel Insurance

Why should I buy travel insurance?

Whether you're adventuring abroad or taking a trip to a neighbouring province, travel insurance protects you and your loved ones. Be confident you're covered when dealing with a medical emergency, travel delay or theft.

Why do I need additional travel insurance if I already have credit card coverage?

Some credit cards provide basic travel insurance. However, this coverage is often limited.

Credit card coverage may apply for a limited time period, or be available only up to a certain age. It's often only applicable if the trip is paid for with your credit card.

If I get sick or injured while travelling, will provincial government healthcare pay for my medical expenses?

Provincial healthcare provides limited coverage for medical treatment and hospital costs outside of Canada. Some provincial healthcare plans don't cover expenses like ambulance services, emergency dental treatment and prescription drugs.

Can I still buy travel insurance if I’m over 60 and have a few medical conditions?

Yes, TuGo Travel Insurance covers all ages, but some exclusions might apply depending on your health status. You’ll need to review the policy wording of the insurance you’re interested in buying, talk to your local insurance broker, for more details.

When should I buy travel insurance?

To make sure you're protected, buy insurance before leaving. Your plan should cover your entire trip, including the day you leave and the day you return.

What is TuGo Telemedicine?

As one of our valued travel insurance customers, you can take advantage of TuGo Telemedicine powered by 1.800MD®, while visiting the US.If you aren’t feeling well and would like to seek medical advice, but don’t think a clinic or hospital visit is necessary, you can use our telemedicine service instead. You’ll be connected with a certified physician, who can provide consultation and a recommended treatment, right over the phone. Read more about our telemedicine service.

Looking for travel insurance coverage?

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    About Buying Travel Insurance

    Where else can I buy travel insurance?

    You can buy travel insurance through your local insurance broker or by contacting TuGo’s Customer Service at 1-855-929-8846.

    Does TuGo offer family coverage?

    Yes, we do. Family plans are available with certain insurance plans and are an economical choice when travelling with family.

    What happens if I need to extend my policy because I’m staying away longer?

    We can help you do that. All you have to do is give our Customer Service team a call at 1-855-929-8846 and we’ll get you sorted.

    What is the maximum number of days I can buy travel insurance for?

    This depends on your home province and age. Just give TuGo’s Customer Service a call at 1-855-929-8846.

    What’s a ‘deductible’?

    While some definitions may differ between plans, and may not apply to all types of plans, we define deductible as “the portion of eligible expenses you must pay from your own pocket when an eligible claim occurs. For all medical insurance plans (except our Visitors to Canada plan), the deductible applies to the expenses remaining after payment by your provincial or territorial government healthcare plan.”

    Are sports-related injuries covered?

    Yes, TuGo automatically covers sports and activities under the Emergency Medical or Visitor to Canada Emergency Medical plan unless they're listed under our Optional Sports Coverages or as exclusions. Optional Coverages are available for Contact Sports, Adventure Sports and Extreme Sports.

    For a complete list of sports and exclusions, you’ll need to review the policy wording of the insurance you’re considering.

    My contact or trip details have changed, or the information in my policy declaration is wrong. Do I have to notify anyone?

    Yes, please! If any information has changed, it could impact your coverage. Please call us at 1-855-929-8846 and we'll update your details!

    Can I cancel a policy?

    You can cancel most policies before or on the effective date, but may not after. To cancel a policy, please call us at 1-855-929-8846 for more information.

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