TuGo review
Updated September 28, 2026 · AssureCue Editorial Team · Facts checked September 26, 2026
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Our verdict
TuGo is a Canadian travel insurer run as a managing general agent, built for expats and travellers buying a single-trip or annual policy. Cover suits All ages, claims run on online, phone and email, and the entity is registered with the Autorite des marchés financiers in Canada.
Key facts
- Best for
- Expats and residents who want one travel policy from an agent that has traded since 1964.
- Insurance types
- Travel (Source, checked September 26, 2026)
- Provider type
- Mga (Source, checked September 26, 2026)
- Claims channels
- Online, Phone, Email, Post (Source, checked September 26, 2026)
- Age range
- All ages (Source, checked September 26, 2026)
- Legal entity
- North American Air Travel Insurance Agents Ltd. (Source, checked September 26, 2026)
- Headquarters
- Canada (Source, checked September 26, 2026)
- Founded
- 1964 (Source, checked September 26, 2026)
- Support channels
- Phone, Email, Help-centre (Source, checked September 26, 2026)
- Audience
- Expats
- Official website
- tugo.com
Apps and profiles
- Elsewhere
- TrustpilotLinkedInX
Pros and cons
Pros
- Cover is available for All ages, so families and older travellers can buy the same policy
- Claims start on online, phone and email, giving a choice of channel when something goes wrong abroad
- Travel is the only line sold, travel, so cover is tuned to one risk
- Registered in Canada under the Autorite des marchés financiers, licence 600258
Cons
- Support runs on phone, email and help centre only, so help is by phone, email or the help centre
- As an mga rather than an insurer, the risk sits with an underwriter and not with the brand you buy from
- Cover is limited to travel, so anything outside travel needs another provider
Who it suits
- Expats and long-stay residents, the stated audience for the policies
- Travellers of any age, since cover is open to All ages
- Anyone who prefers to make a claim by phone, as online, phone and email are available
Who should look elsewhere
- Travellers who want car, home or gadget cover on the same account, since only travel is offered
- Buyers who want to deal with the insurer directly rather than an mga
- People who need to file a claim in person, since support runs on phone, email and help centre
How TuGo compares
9.0 vs 8.6
9.0 vs 9.4
9.0 vs 9.4
9.0 vs 9.4
9.0 vs 9.4
9.0 vs 8.8
9.0 vs 8.7
9.0 vs 9.0
9.0 vs 9.4
9.0 vs 9.3
9.0 vs 8.9
9.0 vs 8.9
9.0 vs 8.9
9.0 vs 9.3- 9.0 vs 9.3
9.0 vs 9.3Max Life Insurance
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 9.2
9.0 vs 9.2- 9.0 vs 9.1
9.0 vs 9.1
9.0 vs 9.1
9.0 vs 8.9
9.0 vs 8.9
9.0 vs 8.8
9.0 vs 8.8
9.0 vs 8.6- 9.0 vs 8.4
- 9.0 vs 8.2
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Universal Assistance
e-Insure Taiwan
Bao Minh
AXA BE
Bezpieczny.pl
mtu24
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 TuGo actually insure?+
TuGo sells travel cover and nothing else, listed as travel. The policy sits with North American Air Travel Insurance Agents Ltd., based in Canada, which is where the business started in 1964. Anyone needing car or home cover must look elsewhere.
Who regulates TuGo and what does that mean?+
TuGo trades as a managing general agent, an mga, rather than as the insurer itself. It is registered in Canada with the Autorite des marchés financiers under licence 600258. The registered office is in Canada, its CA home market.
How do I make a claim with TuGo?+
Claims can be started on online, phone and email, so a claim does not have to go through one route. Choose whichever suits you when you need help abroad. Questions before travel go to support on phone, email and help centre.
Is there an age limit on a TuGo policy?+
No upper age band applies, since cover is written for All ages. That makes it usable for parents and older travellers as well as working adults. The audience for the policies is expats, which suits people relocating abroad.
What does a TuGo policy cost?+
No price or fee figure is given for TuGo itself, so costs have to come from a quote. Across the travel listings compared here, the median starting premium is €7.93, and listings run €2.28 to €45.91.
Can I pay a TuGo policy monthly?+
Monthly payment is common across travel listings: 83.6% of them offer it and 16.4% do not. TuGo's own payment terms are not set out here, so check a quote to see whether monthly payments apply to the policy you want.
How does TuGo compare with a multi-line insurer?+
TuGo covers a single risk, listed as travel. Good Sam Insurance Agency covers auto, home and renters, and bonus.ch covers auto, home and life. Either of them can hold a travel policy alongside other lines under one provider, which suits a household that wants one point of contact.
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.
TuGo
Expats and residents who want one travel policy from an agent that has traded since 1964.