How much does the TuGo Basic Visitors to Canada Plan cost per day?

TuGo Basic Plan single daily rates with a $0 deductible start at $1.49 per day for a visitor aged 0–25 with $10,000 coverage. At $100,000 coverage the daily rate is $2.93 for ages 0–25, $3.21 for ages 26–34, $3.40 for ages 35–39, $4.34 for ages 40–54, $4.67 for ages 55–59, $4.96 for ages 60–64, $5.89 for ages 65–69, $8.25 for ages 70–74, and $10.44 for ages 75–79. Coverage amounts of $10,000, $25,000, $50,000, $100,000, $200,000, and $300,000 are available.

How does the TuGo Basic Plan rate compare to the standard TuGo Visitors to Canada rate?

The TuGo Basic Plan costs roughly 15–20% less than the standard TuGo Visitors to Canada plan. For a visitor aged 40–54 with $100,000 coverage and a $0 deductible, TuGo Basic costs $4.34 per day compared to $5.33 per day on the standard TuGo plan. For a visitor aged 0–25 with $10,000 coverage, TuGo Basic costs $1.49 per day compared to $1.83 per day. The lower price reflects the Basic Plan's exclusion of pre-existing medical conditions.

Does the TuGo Basic Plan cover pre-existing medical conditions?

No. The TuGo Basic Plan does not cover pre-existing medical conditions, including stable chronic conditions such as controlled high blood pressure, diabetes, or cholesterol. It is designed for visitors in good health who need emergency medical coverage for new, unexpected illness or injury. Visitors who need coverage for stable pre-existing conditions should choose the standard TuGo Visitors to Canada plan, which covers conditions stable for 90 days (ages 59 and under), 120 days (ages 60–69), or 180 days (ages 70–85).

What deductible options lower the cost of TuGo Basic visitor insurance?

TuGo Basic Plan premiums are discounted by deductible: $150 saves 5%, $500 saves 10%, $1,000 saves 20%, $2,500 saves 30%, $5,000 saves 35%, and $10,000 saves 45%. The deductible applies per insured person, per condition or event. For Super Visa insurance, a high deductible such as $10,000 is not recommended, because the deductible amount may be added to the sponsor's income requirement for the Super Visa application. The usual choices are $0 and $1,000.

Does the TuGo Basic Plan meet Canadian Super Visa insurance requirements?

Yes. A 365-day TuGo Basic Plan policy with at least $100,000 coverage meets the Super Visa requirement. Annual single rates with a $0 deductible for $100,000 coverage are $1,069.45 (ages 0–25), $1,171.65 (ages 26–34), $1,241.00 (ages 35–39), $1,584.10 (ages 40–54), $1,704.55 (ages 55–59), $1,810.40 (ages 60–64), $2,149.85 (ages 65–69), $3,011.25 (ages 70–74), and $3,810.60 (ages 75–79). Because the Basic Plan excludes pre-existing conditions, parents and grandparents with ongoing medical conditions should consider the standard TuGo plan instead.

What emergency medical services does the TuGo Basic Plan daily rate include?

The TuGo Basic Plan covers emergency medical treatment for sudden illness or injury in Canada, including hospital care, physician services, diagnostic tests, prescription drugs prescribed during the emergency, ambulance transportation, and emergency return home. Emergency assistance is available 24 hours a day through Claims at TuGo. The plan is underwritten by Industrial Alliance Insurance and Financial Services Inc.

What are the main exclusions of the TuGo Basic Visitors Insurance Plan?

The TuGo Basic Plan excludes pre-existing medical conditions (stable or unstable), non-emergency and elective treatment, routine check-ups, and treatment that could reasonably wait until the visitor returns home. Illness that begins during the waiting period is also excluded when the policy is bought after arrival in Canada. Standard policy exclusions apply; the full list is in the TuGo policy wording available in the download section of this page.

Can seniors over age 65 buy the TuGo Basic Plan, and what are the rates?

Yes. The TuGo Basic Plan is available to visitors up to age 79. For $100,000 coverage with a $0 deductible, the daily rate is $5.89 for ages 65–69, $8.25 for ages 70–74, and $10.44 for ages 75–79; the corresponding 365-day Super Visa premiums are $2,149.85, $3,011.25, and $3,810.60. Visitors aged 80 and over are not eligible for the Basic Plan and should apply for the standard TuGo Visitors to Canada plan.

Does the TuGo Basic Plan cover prescription drugs?

Yes. The TuGo Basic Plan covers prescription medications that are prescribed as part of emergency treatment for a new illness or injury while in Canada. Ongoing medications for pre-existing conditions are not covered under the Basic Plan.

What is the refund policy for TuGo Basic visitor insurance?

For a Super Visa policy, TuGo provides a full refund before the effective date if the visa is denied or the application is withdrawn; a $250 cancellation fee applies if the visitor does not travel to Canada for another reason, and refund requests must be made within 90 days of the policy expiry. For other visitor policies, a full refund is available before the effective date or within 10 days of the application date; after the trip has started, a partial refund of the unused days is available less an administration fee, and the $20 minimum premium is not refundable. No refund is payable if a claim has been made.

Are side trips to the United States covered under the TuGo Basic Plan?

Yes. The TuGo Basic Plan covers emergency medical expenses on side trips outside Canada, including to the United States, provided the visitor arrives in Canada first and spends the majority of the coverage period in Canada. Trips to the visitor's home country are not covered.

Is a medical questionnaire required to buy the TuGo Basic Plan?

No. Because the TuGo Basic Plan does not cover pre-existing medical conditions, no medical questionnaire is required at any age, including ages 60–79. The policy can be purchased online in minutes with only the visitor's date of birth, coverage amount, deductible, and travel dates.

Can I buy the TuGo Basic Plan after arriving in Canada?

Yes. The TuGo Basic Plan can be purchased after arrival at the same published rates. When the policy is bought within 60 days of arriving in Canada, a 48-hour waiting period applies to sickness; when it is bought more than 60 days after arrival, the waiting period is 7 days. Injuries are covered from the effective date. There is no waiting period when the policy is purchased before arrival.

What is the minimum premium and how long can a TuGo Basic policy last?

The minimum premium for a TuGo Basic Plan policy is $20. A single policy can be issued for up to 365 days, and it can be extended before expiry — provided there have been no claims, doctor visits, or new symptoms — up to a maximum of 2 years of continuous coverage; an administration fee applies to extensions. Coverage is automatically extended for up to 7 days if the visitor is hospitalized, unfit to travel, or delayed by the carrier, and up to 14 days for quarantine.

Does the TuGo Basic Plan offer a family rate?

Yes. The TuGo Family & Friends rate is 2 times the single rate of the oldest insured, and is available when both adults are aged 59 or under. It covers up to two adults and up to six dependent children, who do not need to be related or travelling together. For example, a family with the oldest adult aged 40–54 pays $8.69 per day for $100,000 coverage with a $0 deductible, compared to $4.34 per day for a single adult.

Where can I buy the TuGo Basic Visitors Insurance Plan online?

On VisitorsInsurance.ca, choose the visitor's age band, coverage amount ($10,000 to $300,000), and deductible from the TuGo Basic rate tables, then click "BUY TUGO BASIC INSURANCE ONLINE" to purchase directly from TuGo's secure online store with instant policy issuance. Easy Links Financial Inc. is a licensed Ontario insurance broker and TuGo distributor.

TuGo Basic Plan Visitors Insurance – RATES

BUY ONLINE

Administered by:

TuGo

Underwritten by:

Industrial Alliance Insurance and Financial Services Inc.

24/7 Emergency Assistance Center:

Claims at TuGo

TuGo Basic Plan – Visitors to Canada Rates

Single Coverage Daily Rates (Deductible: $0)

Age Band	$10,000	$25,000	$50,000	$100,000	$200,000	$300,000
0 – 25	$1.49	$1.93	$2.23	$2.93	$4.30	$5.68
26 – 34	$1.58	$2.08	$2.38	$3.21	$4.55	$5.89
35 – 39	$1.68	$2.23	$2.47	$3.40	$4.86	$6.31
40 – 54	$1.77	$2.57	$2.93	$4.34	$6.04	$7.74
55 – 59	$2.05	$2.84	$3.28	$4.67	$6.32	$8.13
60 – 64	$2.35	$3.31	$3.89	$4.96	$6.73	$8.53
65 – 69	$2.71	$3.90	$4.44	$5.89	$8.13	$10.13
70 – 74	$3.99	$5.54	$6.56	$8.25	$11.68	$15.10
75 – 79	$4.76	$6.87	$8.43	$10.44	$15.52	$19.85

Family Coverage Daily Rates (Deductible: $0)

Age Band	$10,000	$25,000	$50,000	$100,000	$200,000	$300,000
0 – 25	$2.98	$3.84	$4.46	$5.85	$8.60	$11.35
26 – 34	$3.16	$4.15	$4.74	$6.42	$9.11	$11.80
35 – 39	$3.38	$4.46	$4.95	$6.81	$9.72	$12.62
40 – 54	$3.55	$5.15	$5.85	$8.69	$12.09	$15.48
55 – 59	$4.10	$5.68	$6.59	$9.34	$12.64	$16.28

TuGo Basic Plan – Super Visa Insurance Rates

Single Coverage Annual Rates (Deductible: $0)

Age Band	$100,000	$200,000	$300,000
0 – 25	$1,069.45	$1,569.50	$2,073.20
26 – 34	$1,171.65	$1,660.75	$2,149.85
35 – 39	$1,241.00	$1,773.90	$2,303.15
40 – 54	$1,584.10	$2,204.60	$2,825.10
55 – 59	$1,704.55	$2,306.80	$2,967.45
60 – 64	$1,810.40	$2,456.45	$3,113.45
65 – 69	$2,149.85	$2,967.45	$3,697.45
70 – 74	$3,011.25	$4,263.20	$5,511.50
75 – 79	$3,810.60	$5,664.80	$7,245.25

Deductible Options and Savings

Deductible	Discount
$150	5%
$500	10%
$1,000	20%
$2,500	30%
$5,000	35%
$10,000	45%

Notes

Minimum policy premium is $20.
The deductible applies per insured, per condition or event.
Age: Coverage is based on the age of the insured at the time of application.
Basic Plan: Available to visitors up to age 79. The Basic Plan does not cover pre-existing medical conditions, including stable chronic conditions.
Family & Friends rate — ages 59 years and under. A Family & Friends plan is available with the Emergency Medical Insurance plan.
- Coverage is available for up to two individuals 59 years and under and up to six dependent children. The individual(s) named in the Family & Friends plan do not have to be the parent(s) or guardian(s) of the dependent children.
- Dependent children can be on a Family & Friends plan without an adult.
- If you pay the premium for the Family & Friends plan, all insureds must be named in the Policy declaration and will be covered under one Policy.
- All insureds on the Family & Friends plan will remain listed on the Policy until the expiry date of the Policy.
- Insureds on the Family & Friends plan do not need to be travelling together.

BUY ONLINE

TuGo Basic Plan Visitors Insurance Rates – Frequently Asked Questions

How much does the TuGo Basic Visitors to Canada Plan cost per day?
TuGo Basic Plan single daily rates with a $0 deductible start at $1.49 per day for a visitor aged 0–25 with $10,000 coverage. At $100,000 coverage the daily rate is $2.93 for ages 0–25, $3.21 for ages 26–34, $3.40 for ages 35–39, $4.34 for ages 40–54, $4.67 for ages 55–59, $4.96 for ages 60–64, $5.89 for ages 65–69, $8.25 for ages 70–74, and $10.44 for ages 75–79. Coverage amounts of $10,000, $25,000, $50,000, $100,000, $200,000, and $300,000 are available.
How does the TuGo Basic Plan rate compare to the standard TuGo Visitors to Canada rate?
The TuGo Basic Plan costs roughly 15–20% less than the standard TuGo Visitors to Canada plan. For a visitor aged 40–54 with $100,000 coverage and a $0 deductible, TuGo Basic costs $4.34 per day compared to $5.33 per day on the standard TuGo plan. For a visitor aged 0–25 with $10,000 coverage, TuGo Basic costs $1.49 per day compared to $1.83 per day. The lower price reflects the Basic Plan’s exclusion of pre-existing medical conditions.
Does the TuGo Basic Plan cover pre-existing medical conditions?
No. The TuGo Basic Plan does not cover pre-existing medical conditions, including stable chronic conditions such as controlled high blood pressure, diabetes, or cholesterol. It is designed for visitors in good health who need emergency medical coverage for new, unexpected illness or injury. Visitors who need coverage for stable pre-existing conditions should choose the standard TuGo Visitors to Canada plan, which covers conditions stable for 90 days (ages 59 and under), 120 days (ages 60–69), or 180 days (ages 70–85).
What deductible options lower the cost of TuGo Basic visitor insurance?
TuGo Basic Plan premiums are discounted by deductible: $150 saves 5%, $500 saves 10%, $1,000 saves 20%, $2,500 saves 30%, $5,000 saves 35%, and $10,000 saves 45%. The deductible applies per insured person, per condition or event. For Super Visa insurance, a high deductible such as $10,000 is not recommended, because the deductible amount may be added to the sponsor’s income requirement for the Super Visa application. The usual choices are $0 and $1,000.
Does the TuGo Basic Plan meet Canadian Super Visa insurance requirements?
Yes. A 365-day TuGo Basic Plan policy with at least $100,000 coverage meets the Super Visa requirement. Annual single rates with a $0 deductible for $100,000 coverage are $1,069.45 (ages 0–25), $1,171.65 (ages 26–34), $1,241.00 (ages 35–39), $1,584.10 (ages 40–54), $1,704.55 (ages 55–59), $1,810.40 (ages 60–64), $2,149.85 (ages 65–69), $3,011.25 (ages 70–74), and $3,810.60 (ages 75–79). Because the Basic Plan excludes pre-existing conditions, parents and grandparents with ongoing medical conditions should consider the standard TuGo plan instead.
What emergency medical services does the TuGo Basic Plan daily rate include?
The TuGo Basic Plan covers emergency medical treatment for sudden illness or injury in Canada, including hospital care, physician services, diagnostic tests, prescription drugs prescribed during the emergency, ambulance transportation, and emergency return home. Emergency assistance is available 24 hours a day through Claims at TuGo. The plan is underwritten by Industrial Alliance Insurance and Financial Services Inc.
What are the main exclusions of the TuGo Basic Visitors Insurance Plan?
The TuGo Basic Plan excludes pre-existing medical conditions (stable or unstable), non-emergency and elective treatment, routine check-ups, and treatment that could reasonably wait until the visitor returns home. Illness that begins during the waiting period is also excluded when the policy is bought after arrival in Canada. Standard policy exclusions apply; the full list is in the TuGo policy wording available in the download section of this page.
Can seniors over age 65 buy the TuGo Basic Plan, and what are the rates?
Yes. The TuGo Basic Plan is available to visitors up to age 79. For $100,000 coverage with a $0 deductible, the daily rate is $5.89 for ages 65–69, $8.25 for ages 70–74, and $10.44 for ages 75–79; the corresponding 365-day Super Visa premiums are $2,149.85, $3,011.25, and $3,810.60. Visitors aged 80 and over are not eligible for the Basic Plan and should apply for the standard TuGo Visitors to Canada plan.
Does the TuGo Basic Plan cover prescription drugs?
What is the refund policy for TuGo Basic visitor insurance?
For a Super Visa policy, TuGo provides a full refund before the effective date if the visa is denied or the application is withdrawn; a $250 cancellation fee applies if the visitor does not travel to Canada for another reason, and refund requests must be made within 90 days of the policy expiry. For other visitor policies, a full refund is available before the effective date or within 10 days of the application date; after the trip has started, a partial refund of the unused days is available less an administration fee, and the $20 minimum premium is not refundable. No refund is payable if a claim has been made.
Are side trips to the United States covered under the TuGo Basic Plan?
Is a medical questionnaire required to buy the TuGo Basic Plan?
Can I buy the TuGo Basic Plan after arriving in Canada?
What is the minimum premium and how long can a TuGo Basic policy last?
The minimum premium for a TuGo Basic Plan policy is $20. A single policy can be issued for up to 365 days, and it can be extended before expiry — provided there have been no claims, doctor visits, or new symptoms — up to a maximum of 2 years of continuous coverage; an administration fee applies to extensions. Coverage is automatically extended for up to 7 days if the visitor is hospitalized, unfit to travel, or delayed by the carrier, and up to 14 days for quarantine.
Does the TuGo Basic Plan offer a family rate?
Yes. The TuGo Family & Friends rate is 2 times the single rate of the oldest insured, and is available when both adults are aged 59 or under. It covers up to two adults and up to six dependent children, who do not need to be related or travelling together. For example, a family with the oldest adult aged 40–54 pays $8.69 per day for $100,000 coverage with a $0 deductible, compared to $4.34 per day for a single adult.
Where can I buy the TuGo Basic Visitors Insurance Plan online?

Ready to apply? The button below takes you directly to TuGo’s secure online store, where your TuGo Basic Plan policy is issued instantly. Easy Links Financial Inc. is a licensed Ontario insurance broker and authorized TuGo distributor — contact us any time for help choosing coverage.

BUY TUGO BASIC INSURANCE ONLINE

IMPORTANT NOTE: The product-related information on this website is for illustration purposes only. For complete benefits, terms, conditions, limitations and exclusions, please see the policy booklet at the download section below. Please read and understand your policy before you travel.