Insurance · Travel insurance review
TuGo review
An iA-backed $10-million plan with a rare option to cover unstable pre-existing conditions — genuinely useful when your medications change often.
Best for: Snowbirds with fluctuating health who would fail a standard stability test.
Pros
- $10 million emergency-medical maximum
- Optional Unstable Pre-existing Medical Condition Coverage — rare in this market
- Cancel For Any Reason is available as an add-on
- At 60+, the medical questionnaire sets your rate, not your eligibility
- In-house 24/7 assistance (OneWorld Assist) in 27 languages, plus telemedicine
Cons
- Standard plan’s stability window is 180 days at 60+ (the unstable-condition option costs extra)
- A US$15,000 deductible applies if you answer the medical questionnaire inaccurately
- Voluntary deductible amounts aren’t published
- Maximum issue age isn’t confirmed in the wording
The unstable-conditions angle
TuGo’s differentiator is an optional Unstable Pre-existing Medical Condition Coverage rider — something most snowbird plans simply don’t offer. For a retiree whose medications or test results have changed recently, that can be the difference between a covered claim and a denied one. There’s also an optional Cancel For Any Reason benefit.
Questionnaire that rates, not rejects
For travellers 60 and over a medical questionnaire is required, but TuGo states it sets your rate, not your eligibility — so accurate answers generally keep you insurable. The flip side is strict: answer the questionnaire inaccurately and a US$15,000 deductible can apply to an otherwise-payable claim, so complete it carefully.
How it fits a snowbird
Long-stay snowbirds can buy up to 212 days where their province allows it, with single-trip and annual multi-trip options and a Worldwide-excluding-USA variant. COVID-19 is covered up to the policy limit when you meet federal entry/return requirements, and TuGo bundles telemedicine with no deductible on the call.
Frequently asked questions
What does TuGo travel insurance cover, and how much?
Emergency medical coverage: $10 million. Deductible: Voluntary deductibles available to lower premium (amounts quote-level); separate US$15,000 medical-questionnaire deductible for inaccurate answers. COVID-19: Covered up to policy limits if you meet federal entry/return requirements; available regardless of vaccination status for policies bought on/after Oct 4, 2022. Verified on June 13, 2026 — compare all providers on our snowbird travel insurance comparison.
Can I get TuGo with a pre-existing condition?
TuGo uses a stability window of 180 days if 60+; under 60: 7 days (trips ≤35 days) or 90 days (trips >35 days); no stability requirement on Canada-only plans; medical questionnaire: Required at 60+ (sets your rate, not eligibility); wrong answers trigger a US$15,000 deductible. The stability clause is the most common reason snowbird claims are denied — see our snowbird guide and confirm your conditions are covered in writing.
Who handles TuGo's emergency assistance?
Issue age: No published maximum issue age (available for all ages). Trip length: Single trip or Multi Trip Annual (per-trip day cap set at purchase); up to 212 days where the province allows. 24/7 assistance: OneWorld Assist Inc. ("Claims at TuGo") — 24/7, 27 languages.
The bottom line
TuGo earns its place on the strength of the unstable-conditions option and a questionnaire that rates rather than rejects — a strong pick for snowbirds whose health isn’t perfectly stable. Just answer the questionnaire precisely; the US$15,000 penalty for inaccuracy is real.
- Maximum issue age: policy says "all ages" with no explicit cap found — confirm whether iA/TuGo enforces an upper age at quote stage.
- Voluntary deductible dollar amounts are quote-level and not published.
- Policy PDF is hosted on an MSH/AWS bucket used by a TuGo distribution partner; re-confirm the current wording version from a tugo.com-hosted PDF before publishing.
Compare TuGo against the field
See all the major providers side by side, with sources.
This review is for educational purposes only and is not insurance advice. The facts shown were taken from TuGo's own materials and the rating agencies and verified on June 13, 2026; they vary by product and change without notice. Our editorial rating is never paid for. Premiums are individually quoted. Read the actual policy wording and speak with a licensed advisor before buying. See our methodology.