Sports & Activities Coverage

With TuGo, you can hike, zipline, bungee jump or even parasail over water and still be protected under our standard Emergency Medical Insurance or Visitors to Canada Emergency Medical Insurance.

Get coverage for extreme sports

And for you more daring types, all you need to take it to the extreme is to add our Sports & Activities Coverage to your Emergency Medical Insurance!

Sport/Activity	Is it covered?
Backcountry skiing/snowboarding
BASE  jumping
Boxing
Downhill freestyle skiing/Snowboarding in organized competitions
Downhill mountain biking
Hang gliding/paragliding
High risk snowmobiling and motorized snow biking
High risk motorized speed activities, including: Motorized racing competitions, endurance events or timed activities, Motocross, dirt biking, and motorcycling (unless vehicle is solely being used for transportation purposes)
Ice climbing
Mixed martial arts
Mountaineering – 2 options: Mountaineering up to 6,000 m elevation Mountaineering over 6,000 m elevation Includes ski mountaineering (skimo) and ice climbing if the activity is part of mountaineering
Organized team sports** including:  American and Canadian football   Ice hockey   Rugby
Parachuting/skydiving/tandem skydiving
Rock climbing (includes canyoneering, but doesn’t include indoor rock climbing)
Scuba diving or free diving over 40 metres
White water sports – Class VI
Wingsuit flying

*Coaches, referees, and sports officials do not need to purchase the optional Sports & Activities Coverage for these sports to be covered.

**Applicable to travellers 21 years and older (at the time of application).

Hide covered sports/activities

Exclusions

Whatever you’re into, be sure that it’s covered. If it’s not listed above, we'll cover it under our standard Emergency Medical Insurance, unless it’s listed below as an excluded sport/activity:

Sport/Activity	Is it covered?
Barrel racing
Bronc riding
Bull riding
Chariot racing
Chuck wagon racing
Harness racing
Rodeo bareback riding
Rodeo clowning
Rodeo team roping
Steer wrestling/chute dogging
Trick riding
Participating, training or practicing in any areas that have been closed off to public access and/or can typically only be accessed by crossing a fenced, gated or roped-off area that has been marked as off limits according to recommendations of safety authorities in the area: Backcountry skiing/snowboarding Downhill freestyle skiing/snowboarding in organized competitions High risk snowmobiling and motorized snow biking Ice climbing Mountaineering over 6,000 m elevation Mountaineering up to 6,000 m elevation Rock climbing

View excluded activities

Canyoning accident could’ve cost Trevor $200,000 out-of-pocket

While canyoning in Utah with his brother Geoff, 19-year-old Trevor slipped and fell 50 feet, fracturing his back and foot. At the hospital, doctors deemed immediate surgery was necessary for Trevor’s spinal injury. After 7 days, Trevor was discharged but was instructed to allow enough time to recover a little, before returning home to Canada. To accommodate this, he booked 6 more days at a motel. Trevor’s provincial health plan covered less than 1% of the total medical bill, and would’ve put Trevor in serious debt if it weren’t for him adding Sports & Activities Coverage to his emergency medical plan.

Our travel insurance covered: $202,103.80