Visas ยท insurer fileTuGo
TuGo eligibility rules
The Canadian answer, including cover bought after you have already gone. Every row below is taken from TuGo's own policy wording, FAQ or terms, with the date we last checked it.
The rules in full
| Rule | Answer | What the wording says | Confidence |
|---|---|---|---|
| Who can buy it | Specific countries only | Canadian residents for the outbound products. A separate Visitors to Canada line covers non-residents already in or coming to Canada. | verified |
| No fixed country of residence | No | Products presuppose an active provincial health plan. | partly |
| Buying after you have left home | Yes | Purchasable after departure with a 48-hour waiting period for illness. | partly |
| Maximum age | No stated cap | No overall age limit reported for emergency medical, but a medical questionnaire is mandatory from 60. | partly |
| One-way and open-ended trips | Not verified | Products presuppose a return to Canada. | low |
| Longest trip | 12 months | Effectively capped by provincial health absence rules; stability rules differ for trips over 35 days. | low |
| Pre-existing conditions | Yes | A stability-period model rather than a flat exclusion: 7 or 90 days under 60, 180 days for 60 to 74, and 365 days for 75 and over. | partly |
| Cover in the USA | Yes | The core use case: Canadians travelling to the United States. | verified |
| Schengen visa certificate | No | Not marketed as a Schengen product. | partly |
| Winter sports | With conditions | Check the wording. | low |
| Scuba diving | Not verified | Not verified. | low |
| High-altitude trekking | Not verified | Not verified. | low |
| Scooters and motorbikes | Not verified | Not verified. | low |
| Working abroad | Not verified | Not verified. | low |
| Trip cancellation | Yes | A separate Trip Cancellation and Interruption product. | verified |
| Families | Yes | Family and package options. | partly |
Who underwrites it
Industrial Alliance (reported). The carrier matters more than the brand: it is the entity that actually pays your claim and the one whose regulator you would complain to.
Our commercial relationship
We may earn a commission if you buy through our link to TuGo. That is disclosed on every link, and it never changes where they appear or in what order. Canadian affiliates only, which blocks non-Canadian publishers.
Sources: tugo.com, tugo.com. Checked 2026-08-03. This is information about published eligibility rules, not advice, and not a guarantee of cover.