Emergency medical expenses
Hospitalization, physician, tests and ambulance for emergencies occurring outside your province or abroad.
Travel Insurance TuGo – via Protecto
The TuGo travel plan, sold and administered at Protecto
What travel insurance for Canadians covers
Benefits and limits vary by insurer and by the plan chosen.
Trip cancellation and interruption
Reimbursement of non-refundable prepaid expenses if you have to cancel or interrupt your trip for a covered reason.
Baggage and personal effects
Coverage in case of loss, theft or damage to your baggage during the trip.
Sports and activities
Coverage options for sports and outdoor activities, depending on the plan chosen.
Why buy this plan through Protecto
Whichever insurer underwrites the policy, it is administered by our financial security advisors registered with the AMF.
One point of contact, from quote to claim
Changes, extensions, renewals and claims all go through our advisors, not through an overseas call centre.
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.
Buy TuGo travel insurance plans for Canadians directly through Protecto. Our financial security advisors handle your application and accompany you for your next trip.
TuGo travel plan highlights
TuGo offers travel insurance plans specifically designed for Canadian residents:
- Emergency medical coverage abroad and out of province
- Trip cancellation and interruption insurance
- Baggage and personal effects protection
- Plans tailored to the needs of Canadian travellers
- Award-winning customer service
Who is this plan for?
This plan is designed for Canadian residents travelling abroad or out of province, whether for vacation, business travel or an extended stay.
Buy this plan directly through Protecto, advised by our financial security advisors. See our travel insurance plans →
Frequently Asked Questions
Why do Canadians need travel insurance?
Even if you are covered by your provincial plan, medical costs outside your province or outside Canada can be very high. Travel insurance can cover medical emergencies, hospitalization, medications, emergency transport and repatriation.
What does travel insurance for Canadians cover?
Depending on the contract chosen, travel insurance can cover emergency medical costs, trip cancellation or interruption, baggage, flight delays and certain transport costs related to an emergency.
Does travel insurance cover pre-existing medical conditions?
Yes, some pre-existing conditions can be covered if they meet the insurer’s stability criteria. It is important to properly disclose your medical situation before departure.
When should you buy travel insurance?
It is best to buy your travel insurance as soon as your trip is booked, especially if you want cancellation coverage. For emergency medical insurance, coverage must generally be purchased before departure.
Is travel insurance useful for a trip within Canada?
Yes. Even for a trip to another province, some costs such as ambulance, emergency transport or repatriation may not be fully covered by your provincial plan.
Does my credit card already include travel insurance?
Some credit cards include travel insurance, but coverage can be limited by age, trip length, destination and health. It is important to check the exclusions before you leave.
How much does travel insurance for Canadians cost?
The price depends on your age, the length of the trip, the destination, your health and the coverage chosen. A quote lets you compare the options available for your situation.
Can you buy travel insurance for a long stay?
Yes. Several insurers offer coverage for long stays, frequent trips or stays of several months outside your province of residence.
How do you choose the best travel insurance?
The best travel insurance depends on your destination, your age, your health, the length of your stay and the type of coverage you want. Protecto Assurances can help you compare the options and choose suitable coverage.
What is covered if I have to cancel?
Cancellation coverage reimburses prepaid non-refundable costs (flight, accommodation, cruise) if you have to cancel for a covered reason: illness, death of a loved one, job loss, a government advisory, among others. The eligible reasons vary by plan. Read the exclusions.
Can I purchase travel insurance if I am already on my trip?
In most cases, you must purchase your travel insurance before leaving your province of residence. Some insurers offer options to buy coverage once you are already travelling, but this usually comes with restrictions and waiting periods for certain benefits.
What is an annual multi-trip plan?
A policy that covers all your trips for one year for a single premium. Economical if you travel several times a year. Each trip is covered up to a defined maximum duration (often 15, 30 or 60 days per trip).
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