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/ActivityIs it covered?

Backcountry skiing/snowboarding

BASE  jumping


Downhill freestyle skiing/Snowboarding in organized competitions

Downhill mountain biking

Hang gliding/paragliding

High risk snowmobiling

Ice climbing

Mixed martial arts

Motorized speed contests


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

* Not required for travellers aged 20 years and under.


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/ActivityIs 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
  • Ice climbing
  • Mountaineering
  • Rock climbing

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