rdsTuGo
Canadian travel insurance offering emergency medical coverage for worldwide single-trip and multi-trip annual plans, with stability periods that scale by age and trip length and a medical questionnaire for applicants 60 and over.
Relevant Products
TuGo offers more than one insurance product. These products can have different underwriters, coverage limits and policy terms, even though they may be purchased through the same quotation portal. Read the section that applies to the product you are considering.
Emergency Medical Insurance (Worldwide, Single-Trip & Multi-Trip Annual)
- Underwriter
- Industrial Alliance Insurance and Financial Services Inc.
- Product type
- Single-trip emergency medical
- Designed for
- Canadian snowbird / extended stay
- Policy version
- traveller_03pw_2026-07
Emergency Medical Insurance (Travel Within Canada)
- Underwriter
- Industrial Alliance Insurance and Financial Services Inc.
- Product type
- Travel within Canada
- Designed for
- Canadian travelling within Canada
- Policy version
- traveller_03pw_2026-07
Emergency Medical Coverage
Verified emergency medical coverage maximums and deductible options, by product. Limits and deductibles can differ between products from the same provider.
Emergency Medical Insurance (Worldwide, Single-Trip & Multi-Trip Annual)
Emergency medical up to $5,000,000 CAD
Emergency medical coverage up to $5,000,000 CAD. Available as single-trip or multi-trip annual. If the traveller is not covered by a provincial/territorial health plan at the time of a claim, TuGo's liability is capped at $50,000.
Emergency Medical Insurance (Travel Within Canada)
Emergency medical limit varies — confirm in the policy wording.
Emergency medical coverage for trips within Canada. No pre-existing-condition stability requirement applies to domestic-only plans.
Pre-Existing Medical Conditions
Whether a pre-existing condition is covered depends on the applicable product, the eligibility requirements, and the policy wording. Stability periods scale by age and trip length (7/90/180/365 days); no stability requirement applies to travel-within-Canada plans. Medical questionnaire required at age 60+.
Emergency Medical Insurance (Worldwide, Single-Trip & Multi-Trip Annual)
Age 59 and under, trip 35 days or less: 7-day stability. Age 59 and under, trip over 35 days: 90-day stability. Age 60-74: 180-day stability. Age 75+: 365-day stability. Medical questionnaire required at age 60+; an inaccurate questionnaire adds a $15,000 USD extra deductible rather than voiding the policy.
Emergency Medical Insurance (Travel Within Canada)
No pre-existing-condition stability requirement for travel-within-Canada plans.
Medication Changes
Starting, stopping or changing a medication can affect whether a condition is considered stable. Some products permit routine adjustments; others do not. Check the product-specific wording.
Emergency Medical Insurance (Worldwide, Single-Trip & Multi-Trip Annual)
The policy's stability definition treats medication changes as breaking stability. Confirm whether routine adjustments (such as insulin or blood-thinner dosage) are permitted in the current policy wording before relying on it.
Emergency Medical Insurance (Travel Within Canada)
No pre-existing-condition stability requirement applies to travel-within-Canada plans, so medication changes do not trigger a stability test for this product.
Important Eligibility Considerations
Major verified eligibility requirements. This is not the complete contract — confirm your eligibility through the insurer's official application or medical questionnaire.
Emergency Medical Insurance (Worldwide, Single-Trip & Multi-Trip Annual)
Eligibility requires: a Canadian resident; not travelling against a physician's advice; not diagnosed with a terminal condition; not receiving or recommended for palliative care. If the insured is not covered by a provincial/territorial government health care plan at the time of a claim, TuGo's liability for medical and related expenses is capped at $50,000, regardless of the policy's $5,000,000 maximum.
Emergency Medical Insurance (Travel Within Canada)
Same residency and terminal-condition eligibility requirements apply as the worldwide plan. No pre-existing-condition stability requirement for domestic-only plans.
Emergency Assistance
Most insurers require you to contact their assistance line before, or shortly after, receiving non-life-threatening care. Failing to do so may reduce what they pay. In a medical emergency, always call the assistance number on your insurance card.
Emergency Medical Insurance (Worldwide, Single-Trip & Multi-Trip Annual)
Requires confirmationContact TuGo's assistance line before seeking non-life-threatening care. Confirm the current number on your insurance card.
Emergency Medical Insurance (Travel Within Canada)
Requires confirmationContact TuGo's assistance line before seeking non-life-threatening care. Confirm the current number on your insurance card.
A note on accuracy. Some provisions on this page are flagged for confirmation because the source documents were unclear, incomplete or in conflict. Where an item is marked "Requires confirmation," do not rely on it until you have checked the current policy wording or spoken with the Snowbyrds Concierge.
Who Should Read the Policy Carefully?
This page is a summary to help you understand the provider. It is not the insurance contract. Before purchasing, read the full policy wording — especially if any of the following apply to you:
- Travellers with pre-existing conditions
- Travellers whose medication has changed recently
- Travellers with recent tests, referrals or treatment
- Older travellers subject to different stability periods
- Travellers planning an extended stay
Related Advice
Pre-Existing Conditions and Travel Insurance: What Canadian Snowbirds Should Know
Most snowbirds have at least one condition they manage. Here's how travel insurance treats pre-existing conditions — and what to check before you buy.
Read moreWhat Does "Stable" Mean in Travel Insurance?
Stable is the most important word in snowbird travel insurance — and policies don't all define it the same way. Here's what to look for.
Read moreCan a Medication Change Affect Your Travel Insurance?
Starting, stopping or changing a medication can affect whether a condition is considered stable. Some policies allow routine adjustments — some don't.
Read moreHow to Compare Snowbird Travel Insurance Beyond the Price
Price is the easy part. The differences that matter at claim time are in the wording. Here's how to compare snowbird travel insurance properly.
Read moreNext Steps
Not sure which product fits? The Snowbyrds Concierge (1-888-815-7472) can help you understand the options and connect you with a licensed advisor.