TuGo review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
TuGo suits expats and anyone arranging emergency medical cover for a trip abroad, with premiums at €7.93 where the higher end of travel premiums runs to €43.47. Cover sits in travel only, so a household wanting home or car protection alongside the trip buys elsewhere.
Key facts
- Best for
- Expats and travellers who want emergency medical cover abroad.
- Insurance types
- Travel↗
- Provider type
- Mga↗
- Claims channels
- Online, Phone, Email, Post↗
- Age range
- All ages↗
- Legal entity
- North American Air Travel Insurance Agents Ltd.↗
- Headquarters
- Canada↗
- Founded
- 1964↗
- Support channels
- Phone, Email, Help-centre↗
- Audience
- Expats
- Official website
- tugo.com
Facts checked September 26, 2026, 5 sources
Apps and profiles
- Elsewhere
- TrustpilotLinkedInX
Pros and cons
Pros
- Premiums start at €7.93, with the higher end across travel providers at €43.47
- Emergency medical cover applies to All ages
- Claims can be started through online, phone and email
- TuGo has traded since 1964
Cons
- Cover is limited to travel
- Support runs on phone, email and help centre only
- TuGo is an mga, not the risk carrier
Who it suits
- Expats, the audience TuGo is built around
- Travellers needing emergency medical cover for a trip abroad
- Anyone who wants a claim started online, by phone or in writing
Who should look elsewhere
- Anyone bundling home, car or life cover with the trip, since EuroAsia Insurance covers auto, home and travel
- Readers who want an insurer rather than an intermediary, since TuGo is an mga
- Shoppers who prefer live chat, as support runs on phone, email and help centre
Safety of your money
TuGo is an mga, so it arranges the policy on behalf of an insurer rather than carrying the risk itself. It is registered with the 600258, and that registration is recorded as 600258. Read the entity named on your policy documents, since the intermediary and the risk carrier are separate.
How TuGo compares
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9.0 vs 8.7Linxea covers life, so it suits anyone who wants long-term savings and protection rather than trip cover.
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9.0 vs 9.4
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9.0 vs 9.3
9.0 vs 9.3
9.0 vs 9.3
9.0 vs 9.3
9.0 vs 9.2
9.0 vs 9.2
9.0 vs 9.2
9.0 vs 9.2
9.0 vs 9.1
9.0 vs 9.1
9.0 vs 9.1
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9.0 vs 9.1
9.0 vs 9.0
9.0 vs 9.0
9.0 vs 9.0
9.0 vs 9.0
9.0 vs 9.0
9.0 vs 8.9
9.0 vs 8.9
9.0 vs 8.9- 9.0 vs 8.6
9.0 vs 8.6
9.0 vs 8.5
9.0 vs 8.4
9.0 vs 8.3
9.0 vs 8.3
9.0 vs 8.2- 9.0 vs 8.0
Where TuGo is available
- Available
- Canada
- Licence in Canada
- Autorite des marches financiers (AMF) (600258), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does a TuGo policy cost?+
Premiums differ by trip length, destination and cover level. Across travel policies on the comparison, €2.23 is the lower end and €43.47 the higher end, with €7.93 in the middle. A policy bought per trip is cheaper than annual cover.
Who is behind the cover?+
TuGo is an mga, so the contract is arranged through an intermediary rather than written by the risk carrier. That matters when a claim is made, because the entity that receives the paperwork is not the company that pays out. It is registered with the 600258.
Who can be covered for medical costs?+
TuGo's emergency medical cover applies to All ages, so age does not narrow who the policy is written for. The product sits under travel, and cover is priced for the trip booked rather than for a whole year, so short breaks and longer stays are both quoted trip by trip.
How do I make a claim?+
Claims can be started through online, phone and email. That means an online form, a phone call, an email or a letter by post, so a claim does not depend on reaching a phone line during a medical emergency abroad.
Is TuGo aimed at people who have moved abroad?+
Yes. expats is the audience TuGo is built around, so the cover is aimed at people who travel away from their usual country of residence. Visitors booking a short break are covered on the same travel product, but the emphasis is on longer stays abroad.
Which kinds of insurance does TuGo not sell?+
TuGo covers travel alone. There is no car, home, life or gadget product, so a household wanting several policies needs separate providers for the rest. For context, the share of travel providers on the comparison that also sell home cover is 65.6%.
How can I get help before buying?+
Support runs on phone, email and help centre. There is a phone line and an email address, plus a help centre of written guidance, and no live chat option listed. Across travel providers on the comparison, 50% also offer live chat, so readers who prefer it may find it elsewhere.
How long has TuGo been in business?+
TuGo was founded in 1964 and is headquartered in Canada. The company writes travel cover and has traded through many trips and policy renewals since then, which matters when a claim has to be settled quickly abroad.
Sources
- tugo.com/en/claims/how-to-make-claim checked September 26, 2026
Backs: Claims channels
“Open your claim online in myTuGo ... If you do not have your policy number ... please call us at 1-800-663-0399 ... Claims at TuGo 1200-6081 No.3 Road Richmond, BC V6Y 2B2 claims@tugo.com”
- tugo.com/en/company/about-us checked September 26, 2026
Backs: Audience, Founded
“Trusted by millions of Canadians, visitors to Canada and international students to support them in their travels within Canada and across the globe”
- tugo.com/en/legal checked September 26, 2026
Backs: Provider type, Headquarters, Insurance types, Legal entity, Licences
“North American Air Travel Insurance Agents Ltd. doing business as TuGo is a licensed insurance agency in all Canadian provinces and territories. ... TuGo is not the insurer (underwriter).”
- tugo.com/en/travel-insurance/emergency-medical checked September 26, 2026
Backs: Age range
“Available for all ages as a Single Trip or Multi Trip Annual plan”
- tugo.com/en/travel-insurance/faq checked September 26, 2026
Backs: Support channels
“To contact TuGo, please call TuGo's Customer Service during business hours at 1-855-929-8846, or email info@tugo.com.”
Compiled from 5 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Premium from, Monthly payments.