Did you buy a TuGo Emergency Medical Insurance policy after October 4, 2022?
Great news! Since there isn’t currently any Federal Government COVID-19 vaccine requirements for entry and/or return to Canada, TuGo’s COVID-19 coverage is available regardless of vaccination status. Visit our FAQs for more details.
With more than 83% of Canada’s population now fully vaccinated, and boosters becoming available across the country, it’s the perfect time to address questions about how travel insurance responds for Canadians.
How travel insurance coverage applies when vaccinated Canadians travel abroad
Will TuGo’s Emergency Medical Insurance cover me for COVID-19 when I travel outside of Canada?
Yes, a TuGo Emergency Medical Insurance Worldwide or Excluding USA policy will cover you for COVID-19 medical and related expenses, up to the policy limit or up to each benefit limit as specified in the plan, if, before departure, you’ve followed all federal travel vaccine requirements issued by the Government of Canada for entry and/or return to Canada, if there are any.
Can I purchase Trip Cancellation & Trip Interruption coverage after I’ve already left on my trip?
Coverage for Trip Cancellation & Trip Interruption for an existing trip can’t be purchased after departure. Trip Interruption Only coverage is also not available for purchase after departure.
However, you can purchase a policy with Trip Cancellation & Trip Interruption Insurance after departure, but only for a new side-trip booked while you’re already away. Keep in mind, that in the event of a trip interruption claim where you need to be returned to your point of departure, it will be to the place you departed from to start the side-trip.
Can I cancel or interrupt my trip if I or a family member test positive for COVID-19 and need to quarantine?
Yes, TuGo’s Trip Cancellation & Trip Interruption Insurance provides coverage in the event quarantine is required due to COVID-19 sickness for the following:
- The insured traveller and their family members
- The travelling companion and their family members
- The host at the travel destination
What coverage is available if I have to quarantine due to a positive COVID-19 test result, which prevents me from returning home as scheduled?
If you purchased a policy with trip interruption coverage before you left for your trip, you’ll have access to all the applicable trip interruption benefits, which includes coverage for the cost of a one-way economy airfare to your original point of departure as well as out-of-pocket expenses up to $350/day to a maximum of $1,500 for commercial accommodation, meals, internet, telephone and taxi expenses.
I have Cancel for Any Reason coverage. Can I cancel because of reasons related to COVID-19?
Yes, if you added on Cancel for Any Reason option within 5 days of booking the trip and making an initial payment (or before any cancellation penalties from the travel supplier apply) to your Trip Cancellation & Trip Interruption Insurance, you can enjoy flexibility whenever your trip is cancelled for any reason that’s not already listed as a covered risk in the policy. This coverage gives you the flexibility to cancel for any reason more than 5 days before the departure date, for a 50% reimbursement of your prepaid, unused non-refundable travel costs. The terms and conditions of the policy would still apply.
For these and many other important FAQs answered, visit our FAQs on tugo.com for up-to-date information. Have more questions? Leave them below or connect with us by chat.
Safe and happy travels ahead,
Melissa
Editor’s Note: This post was originally published in June 2021 and has been updated for freshness and/or accuracy.
