The holiday season is upon us, and we’ve got so many things to look forward to! A few of our favourite? Spending time with family and friends, indulging in festive food and drink, and of course, heading off for winter vacation! If you haven’t finalized your vacation plans yet, it’s time to get cracking.

To start, you’ll want to book your accommodations and plan your activities. And while you may be dreaming of hitting up some fresh powder or digging your toes into the warm sand, don’t forget travel insurance! Because whether you’re heading out of the province, or visiting family and friends across the border, it can cover you for sickness or injury, interrupted or cancelled flights and more! Medical care is expensive, and your provincial health care plan will only cover a portion of costs outside of your province, plus no one wants to pay for a flight they didn’t take. Why risk it?

Wondering what kind of travel insurance you need for your winter vacation? While this depends on the nature of your trip, an Emergency Medical Insurance plan, combined with Non-medical Travel Insurance is a great place to start.

family under palm tree on tropical beach
A relaxing beach vacation provides the perfect winter escape for sun seekers!

Emergency Medical Insurance

For your mountain-top adventure, sunny beach getaway or family reunion in the next province

The holidays are the busiest time of  year at mountain resorts for good reason: There’s nothing quite like a winter wonderland to inspire the holiday spirit! And for sun seekers, now’s the perfect time to head south. Even if you’re just travelling to the next province, you’ll want to get an Emergency Medical plan in case you get sick or injured.

Look for a comprehensive plan that includes the following:

  • Doctors’ services
  • Hospital confinement and treatment
  • Prescriptions
  • Emergency dental services
  • Fracture treatment
  • Emergency transportation- ambulance services and emergency air transportation

If you’re travelling with family, a family travel insurance plan is often a more affordable option. Find out if a family travel insurance plan is right for you.

Skier enjoys fresh powder on the mountain
Thrill-seekers can enjoy their favourite high-octane activities on the mountain (and at the beach too) with confidence when they add Optional Sports Coverages to their Emergency Medical Insurance.

Prefer high-octane adventures to lounging by the fire or hanging out at the beach?

You can enjoy your favourite high-risk activities up the mountain and beach-side too, by adding Optional Sports Coverages to your Emergency Medical Insurance. TuGo has various levels of protection, from Contact, Adventure and Extreme Sports Coverages, so you can customize the perfect plan for your trip.

They’ll cover the following activities and more:

  • Backcountry skiing/snowboarding
  • Mountaineering
  • Downhill freestyle skiing
  • Downhill mountain biking
  • Ice Climbing
  • Parachuting/skydiving
  • Scuba diving
  • Base jumping

If an activity is not listed under our Optional Sports Coverage, it may be covered under standard Emergency Medical Insurance, unless it’s an excluded activity. Check the exclusions to be sure.

Fact: TuGo’s the only travel insurance company in Canada to offer Optional Sports Coverages.

Non-Medical Travel Insurance

Along with snowy landscapes and holiday cheer, winter brings packed airports, unpredictable weather and cold and flu season. And although no one wants to think about missed flights or lost luggage, it pays to be prepared! Non-medical travel insurance is another great add-on to your emergency medical insurance. In particular, look for Trip Cancellation & Trip Interruption Insurance as well as Baggage Insurance to help facilitate a hassle-free holiday.

Person sleeps at airport after cancelled flight leaves them stranded
No one plans to spend hours in the airport due to a cancelled flight. But Trip Cancellation & Trip Interruption Insurance can help ease the sting!

Trip Cancellation & Trip Interruption Insurance

If you have to cancel your trip before you’re scheduled to leave, or your trip is interrupted while you’re on vacation, then a Trip Cancellation & Trip Interruption policy can cover non-refundable costs like airfares, hotels and tours. This is great for both Canadian residents and visitors to Canada, and is available as a Single Trip or Multi Trip Annual policy.

Don’t anticipate having to cancel? Some things are unpredictable! What if you or a loved one gets sick before your trip, a natural disaster causes the government to issue a travel advisory to avoid non-essential or all travel, or your airline cancels a flight? These things do happen!

Baggage Insurance

No matter where you’re travelling during the holidays, it’s bound to be busy! Unfortunately, more people travelling and unpredictable weather can lead to lost or delayed luggage. That’s why you’ll want Baggage Insurance. It covers:

  • Loss, damage, destruction, or theft of personal items
  • Loss of currency due to theft or robbery
  • Personal necessities due to a baggage delay beyond 12 hours

Wherever you go and whatever you do, we hope you have a fantastic trip!

Happy holidays and safe travels,

Sarah

The Best Travel Insurance for Your Winter Vacation

Dec 4 2018