Planning a trip? You’ve got travel insurance, right? Because when you travel outside of your home province, your provincial health plan doesn’t travel with you. This means you’d be vulnerable if you experience an accident or medical emergency. But what do you do if your travel insurance just doesn’t cut it? That’s where top-up travel insurance comes in!

1) What is top-up travel insurance and why do I need it?

If you have travel insurance through your credit card or work benefits, it might not cover the entire length of your trip. Top-up insurance covers you after another travel insurance policy expires, so you won’t be left unprotected.

Sticky note with “get top-up travel insurance” written on it.
Don’t forget to buy top-up travel insurance before your trip!

For example, if you have a group plan through your work that offers up to 30 days of coverage, and your trip is 45 days long, you can get a 15 day top-up policy to cover the rest of  your vacation.

2) What TuGoTM Travel Insurance top-ups can I get?

At TuGo, you can get the following medical plans to top-up your existing coverage:

Multi Trip Annual Emergency Medical

  • Worldwide
  • Within Canada

Single Trip Emergency Medical

  • Worldwide
  • Excluding USA
  • Within Canada

Interested in non-medical insurance options? We’ve got those too! Read All about Trip Cancellation/Interruption Travel Insurance.

3) Can I top-up a TuGo plan?

If you’ve already got a TuGo Travel Insurance plan, and want to add more days of coverage, ask for an extension. Extensions are available if you haven’t submitted a claim and don’t plan to, or your coverage hasn’t expired.

For an extension, call your travel insurance provider or TuGo at 1-855-929-8846 and we’ll get you sorted.

If you have travel insurance coverage from another provider, you should be able to get top-up from TuGo. You’ll have to check with your provider to make sure you can top-up their plan.

4) If I have a pre-existing medical condition, would I be covered?

Yes! If you’ve bought travel insurance for pre-existing medical conditions before, you know that a stability period may be required to get coverage for that condition. The period is based on your age and the total length of your trip, including the number of days you’ve topped up.

5) How many days can a policy be topped up with TuGo Travel Insurance?

If you’re 59 or younger, you can get coverage for up to 365 days. If you’re 60+, you can buy coverage for up to 182 or 212 days, depending on your home province.

Now that you know all about top-up insurance, you can make sure you’re always covered when you travel.

Have a question about top-up insurance? Ask below!

Safe travels,


  • Shirley

    Hi, I have recently graduated from university (23 years old) and live in Ontario. I am travelling to France to work leaving end of September and returning for Christmas on December 19. I am returning to France January 1 to work until May 1 2017. I may travel in Europe after May 1 returning to Ontario Canada late summer. I have no specific medical insurance beyond OHIP at this time. What is best approach to medical insurance while I am away?

    • TuGo

      Hi Shirley,

      Thank you for your query! We’re so happy to hear that you’re embarking on a European adventure – it sounds very exciting. Most Canadians don’t know that provincial health coverage (such as OHIP) only pays for less than 10% of health care costs in case of a medical emergency when travelling outside Canada (, so it’s a great idea to consider travel insurance for your upcoming trip.

      In your case, since you’ll be taking multiple trips to, from, and within Europe, it’s best to choose a multi-trip annual policy. Learn more about it in our blog post ( or connect with our customer service toll-free at 1-855-929-8846 or by email at for more details on coverage options before your trip.

      Bonne chance!


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