One point of contact, from quote to claim
Changes, extensions, renewals and claims all go through our advisors, not through an overseas call centre.
TuGo Insurance through Protecto
TuGo plans, sold and administered by Protecto's advisors
The TuGo plans we offer
Visitor insurance for Canada
Medical emergencies, hospitalization and medications for a temporary stay in Canada.
Travel insurance for Canadians
Medical expenses, cancellation and baggage for trips outside your province.
International student insurance
Health coverage for the full length of your studies in Canada.
Why buy this plan through Protecto
Whichever insurer underwrites the policy, it is administered by our financial security advisors registered with the AMF.
Advice, not a catalogue
We compare this plan against the ones our other insurers offer and tell you which fits your situation.
Claims assistance
Protecto walks you through the claims process and follows up with the insurer on your behalf.
Bilingual service, rated 4.9 out of 5
More than 700 Google reviews, in French and in English, before and after you buy.
TuGo is a Canadian travel insurance specialist headquartered in Vancouver, and one of the best established names in the country for international student coverage. Protecto distributes its plans and stays with you from the quote through to the claim.
TuGo is our reference for international students, whose coverage has to track the length of the study program. The insurer also covers visitors to Canada and Canadian residents travelling outside their province.
Weighing TuGo against another insurer? Compare our partner insurers or get a quote.
Frequently Asked Questions
Do international students need medical insurance in Canada?
Yes, in most cases. International students must have valid medical coverage while studying in Canada. Depending on the province and the school, this insurance may be provided by the school, by a provincial plan, or may need to be purchased from a private insurer.
Does provincial health insurance cover international students?
It depends on the province. Some provinces may offer public coverage to international students under certain conditions, while others require private insurance. In Quebec and Ontario, many international students are generally not eligible for the public provincial plan and must therefore arrange private medical insurance.
What does international student insurance cover?
International student insurance generally covers emergency medical expenses, such as medical consultations, hospitalization, examinations, ambulance services and certain medications prescribed following a covered medical emergency. The exact protections may vary depending on the insurer, the chosen plan and your situation.
When should I purchase international student insurance?
Ideally, insurance should be purchased before your arrival in Canada or before the date required by your school. It is important that your coverage begins as soon as you arrive or when your studies start, in order to avoid a period without medical protection.
My school already offers insurance. Should I still compare?
Yes, it is recommended. Some schools impose their own plan, while others allow you to choose an equivalent private insurance. Before subscribing, you should check your school’s requirements, whether you can opt out of the school plan, and the minimum coverage required.
Can I be covered during school breaks?
Yes, some plans can maintain coverage during academic breaks, provided you remain eligible under the terms of the contract. This is particularly useful if you stay in Canada between two sessions or during the holidays.
Does the insurance cover pre-existing medical conditions?
It depends on the chosen plan and the stability of the medical condition. Some insurance policies may exclude or limit coverage related to pre-existing conditions. It is important to correctly declare your medical situation and to check the terms of the contract before buying.
How do I choose the right international student insurance?
The right choice depends on your province of study, the length of your program, your school’s requirements, your budget and your health. At Protecto, an advisor can compare the available options and help you choose coverage suited to your stay in Canada.
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