We’ve been using Tugo for six years for our winters down South. They have been nothing short of amazing to work with. They also provided a sense of complete comfort two years ago when the travel restrictions hit and we were still down South. Unfortunately, I have had a couple of claims while down South, and working with Tugo representatives was so seamless, quick, and once again comforting. Highly recommend.

My friend had to cancel a trip due to a positive COVID test. He had subscribed to a CANCEL FOR ANY REASON plan with TUGO. The claim was flawlessly and quickly handled by the very efficient Nadia Bouzit. He promptly received his full reimbursement. It was the best, most professional service.

We had to postpone our trip because we got COVID. We had purchased trip interruption/cancellation insurance from TUGO when cancellation due to COVID was still covered under the policy. After we had COVID, we were unable to get travel medical insurance for 30 days post COVID so had to postpone our trip to the US. TUGO refused to cover our claim (cost of several nights prepaid non refundable accommodation). Update June 16/22. I got in touch with TUGO as per their response to this review. As expected, nothing has changed. Claim denied.

I was in Germany on business and tripped and broke both shoulders. I ended up spending nearly 2 weeks in hospital (where I got excellent care). I informed TuGo of the incident and submitted the receipts upon my return home. Within 30 days I received a full refund of all of my expenses. There were a couple of minor questions but absolutely no issue. I would highly recommend their services.

TUGO THE BEST: From day 1 when we reported the claim the TUGO team was caring compassionate and very helpful with all arrangements of care and getting me home. You were very helpful in filling out all the forms and also giving updates on the claim and of coarse accepting the claim and payment without complications. You people are the best You are my travel insurance from here on in Thank you and keep up the good work

Have an annual travel plan that allows trips up to 60 days at which point you can pay to extend as many times as you like. At one point we had a claim and then they refused to extended it again demanding we return to Alberta to reset the 60 day max. Funny how they take my money -tens of thousands of dollars till till i actually use the insurance then they refuse and expect me to return to a pandemic in Alberta to reset it. Scam of insurance - all they care about is taking your money and could care less about your actual health

We are from Ontario and wintered in British Columbia, so purchased TUGO out of province insurance. Being inexperienced, I forgot to call TUGO when my husband was picked up by the ambulance. i received a bill a couple months later from the ambulance company. I contacted TUGO and was instantly taken care of. I forwarded said bill to them and received a refund promptly, minus the deductible. Our insurance agent recommended we not take a deductible, but I was stubborn and alas had to pay $300 out of the $848.00 ambulance bill. This was our first health claim ever and thankfully it was taken care of in a respectful, efficient and quick manner.

For many years my husband and I have purchased all our travel insurance needs from TuGo through one of their brokers First Rate Insurance, Ottawa. We have always had excellent help with knowledge, response times and rates. Two years in a row our trips had to be cancelled due to unexpected emergencies and on one trip there was an accident of a broken leg. TuGo Claims immediately was there to help us thru the process and we received all the refunds we expected in a timely manner. Phone calls or emails to TuGo and First Rate get answered quickly if not immediately.

Terrible customer service! My husband and I have purchased an Annual Travel Insurance Plan from Tugo for years. Like everyone else, although we were unable to travel due to COVID this past 15 months, we received no credit or refund other than the three month extension that was offered while travel was still banned. Totally useless offer. Time to look elsewhere…..

We are Canadian snowbirds who winter in Palm Springs CA. In March 2020 my wife had to undergo emergency surgery at Eisenhower Hospital in Rancho Mirage, spent three days in intensive care and was flow home by air ambulance. TUGO cover all our expenses. We were very happy with their service and highly recommend them for travel health insurance. Gary & Lorna, Winnipeg, MB.