Canada’s sesquicentennial celebrations started with a bang this year when both Lonely Planet & New York Times voted it as the best country to travel in 2017. But we’ve always known that Canada is an awesome travel destination. While many are busy booking flights for urban getaways in Canada and across the border, a majority of Canadians and visitors to Canada are planning to embark on road trips this year to make the most of the free Discovery Passes in honour of Canada’s 150th anniversary. And who can blame them? There are so many epic Canadian road trips to choose from. So, let’s get packing!

Your checklist may include a GPS, entertainment, an emergency kit and lots of snacks, but guess what it’s missing? Travel insurance. Let’s take a look at the different types of travel insurance that can help you stay covered – especially when you’re travelling away from your home province:

Emergency Medical Insurance

Most people think of travel insurance only when they’re travelling internationally, but did you know that in the event of any out of province medical emergencies, your provincial healthcare will only cover a small portion of your medical expenses? Just like any destination abroad, having the right health coverage in a new province will ensure access to emergency care in case of any sickness or accidents during your road trip. This is even more important as most road trips take you through remote locations with limited access to medical care.

family car road trip
When planning a family road trip, out of province medical coverage is the smartest way to protect yourself and your loved ones

Before travelling away from your home town, find out how your existing coverage through your credit card or group insurance will cover you and make sure that you have access to 24/7 emergency assistance and emergency transportation like ambulance services. Along with medical coverage, look for certain benefits like coverage for out-of-pocket expenses and return of vehicle, which can help you in case of any accidents or hospitalization during your trip.

Rental Car Protection

For road trippers, it’s always a dilemma to choose between renting vs driving your own vehicle. No matter what you opt for, always review your auto insurance and see how it’ll cover you for rental cars and roadside assistance.

If you’re planning to rent a car, take note of these 5 rental car and insurance tips to make your trip easier. RV enthusiasts, learn more about the kind of insurance you need to go RVing, along with some RV budget hacks.

Depending on your memberships, always consider rental car insurance that will reimburse you in case of any loss due to physical damage or loss of a rented car. Find out how our Rental Car Protection covers you whether you’re travelling in the next province or abroad.

Related: What to Know About Motor Vehicle Accident Claims & Travel Insurance

Trip Cancellation & Trip Interruption

Road trips are all about spontaneity, but during peak seasons, most travellers have to plan and book weeks or months in advance. Trip Cancellation & Trip Interruption Insurance can reimburse you for any pre-paid, non-refundable travel expenses in case your trip gets delayed or cancelled. Some of the eligible reasons covered by TuGo are cancellations of your trip due to unexpected sickness or death and delays during your journey as a result of traffic accidents or emergency police directed road closures.

road trip accident delay closure
Unexpected accidents and extreme weather conditions can potentially partially derail your road trip and onward plans.

Along with flight tickets and hotel reservations, Trip Cancellation & Trip Interruption can also reimburse other pre-paid non-refundable travel expenses such as campground fees, car & RV rentals, amusement park passes and excursions. Before you embark on your trip, understand the risks your travel insurance policy will cover you for and use apps like Waze to stay more alert on the road.

Road Trip Adventures in Canada

Whether its summer or winter, road trips are synonymous with adventures. For people who love exploring the great Canadian outdoors, TuGo provides travel insurance coverage for a number of activities whether you’re into mountain biking and river rafting in the summer, or skiing and snowboarding in the winter.

If you’re planning on doing any water sports this summer, read these summer travel insurance and water safety tips to keep yourself and your family safe this season.

Travel Insurance for Worry-Free Road Trips

One of the best ways to explore different provinces in our beautiful country is by car, but not without adequate travel insurance coverage. Not all road trips can go as expected, so remember to pack travel insurance and stay protected on your vacation.

Planning a road trip and have questions about out of province travel insurance? Share them in the comments below!

Happy road-tripping,


4 Types of Travel Insurance You May Need on Your Road Trip

Jul 12 2017