Travel Insurance


Travel Insurance Overview

Now that we can travel again, I am pleased to offer you the convenience of an online quote for travel insurance. If you’re happy with the quote you can purchase online as well.

Canadian-owned and operated for nearly 60 years,TuGo specializes in products & services that support travellers’ health, wellness, and safety across Canada and around the globe. As one of Canada’s top travel insurance providers,TuGooffers 24/7 in-house emergency travel medical assistance, with support in 27 languages.TuGo recognizes the challenges and uncertainty Canadians are experiencing; that’s why we’re working to equip travellers with the services and support they need to travel again.

Provincial Medical Insurance Plans do not fully cover you when travelling out-of-province or out-of-country. If you get sick or injured outside of Canada, the government covers less than 10% of the total cost. Without protection, you could end up paying thousands of dollars in medical bills. Below is the coverage information, detailing what is and isn’t covered by Alberta.


  • For outpatient doctor visits, Alberta Health pays up to $50.
  • For ER fees, Alberta Health pays $50.
  • For inpatient admissions, Alberta Health pays $100 per day, all inclusive.
  • No laboratory work or radiology expenses as of April 1, 2020.
Features of TuGo Travel:
  • Comprehensive emergency medical protection

  • Our travel insurance products are customizable for your individual needs, ensuring the best coverage for your unique travel experiences.

  • Available to Canadian travellers and visitors to Canada

  • Optional add-ons like Sports & Activities Coverage, for high-risk sports and activities that most other insurers won’t cover

  • Back-to-back and discounted renewal options for Emergency Medical Multi Trip Annual plans for Canadians

  • Complementary TuGo Services included with Emergency Medical

  • For Canadians & visitors: With MyFlyt™, travellers have instant access to an airport lounge pass or a cash payout, if their flight’s delayed 2+ hours.

  • For Canadians: TuGo Telemedicine offers convenient, prompt, and comprehensive medical advice over the phone, when travelling within the US.

Simple eligibility
  • With TuGo, we make eligibility quick and easy!

  • No age limits

  • No medical questions for travellers 59 or younger

  • For travellers 60+, our simple, straight-forward Medical Questionnaire determines their premium, not their eligibility

  • Competitive pre-existing medical condition coverage

  • Even if you already have a pre-existing medical condition, you may still have coverage with our competitive stability period.


Trip Cancellation Insurance

Protect the financial investment you made in your trip from unexpected trip cancellations and interruptions with Trip Cancellation Coverage. Not only will you get protection for your trip, but your baggage too with the baggage loss, damage, and delay benefit


Visitors to Canada Travel Insurance

Whether you’re just visiting, applying for a Super Visa, or planning on making Canada your new home, Visitors to Canada Insurance will help to help provide for your emergency medical needs while in the country.



SuperVisa is for parents and grandparents who want to visit their families in Canada for longer periods without having to renew their status. However, they will need to provide evidence of medical insurance coverage for at least one year. I can help with this. SuperVisa allows holders to remain in Canada for up to 24 months at a time and allows multiple entries over a span of up to 10 years. This insurance will provide up to $100,000 coverage for applicants up to age 85

Happy Clients Say


When I think of Janine Oliver the first word that comes to mind is professional. I have had several dealings with Janine and she is always honest; efficient and professional.Isnt that what you would like in a financial advisor? If you leave a message she gets back to you quickly and provides you a quote in a very timely manner.

I have also referred Janine's service and they are happy customers as well.

Janine is also very giving of her time to speak at various groups to help their members get a handle on their finances.

I know if you choose to deal with Janine you will not be disappointed.

- Carolyn Z.


Janine is the ultimate caring professional when it comes to talking about setting yourself up for financial success. Janine guided me through setting up a corporate health spending account to take advantage of services to keep me healthy as the CEO while maximise the tax advantages of doing so. I highly recommend Janine, she listens, only offers the products that would really work for you, and is a nurturing guide along the way.

- Michelle Andrischak CMT


Janine is honest, friendly, helpful, knowledgeable and not too pushy! Her passion for helping people with their finances really shows. Thank you for the help, Janine.

- Kim Free, CMT CEO and Educator with STGP, Social Media Expert, and champion of small business owners