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How Do Travel Insurance Claims Work?

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Table of Contents

How travel insurance claims work

How to submit your travel insurance claim and get reimbursed, time limits for filing a claim, how long do claim submissions take, how to choose a travel insurance plan, if you need to file a claim from your travel insurer ....

Whether your flight has been canceled, your luggage is lost or you get sick or injured during your trip, travel insurance can protect you. But to get your benefits, you need to submit one or more travelers insurance claims, depending on your situation.

Here's how travel insurance claims work and what to watch out for when submitting your claim.

Travel insurance claims are the system through which a traveler submits documentation to their insurance provider for reimbursement of a covered expense. This reimbursement is not guaranteed; instead, it hinges on the approval of the claim from the insurance underwriter.

In general, the provider will need to verify the situation before remitting any reimbursements to travelers, and the level of coverage varies significantly. Insurance providers typically have very explicit, extensive requirements in order for claims to be confirmed and refunded.

Travel insurance 101 means knowing how travel insurance claims work. Hopefully, you’ll never need to file a claim, but it pays to know the following facts if the worst should happen.

» Learn more: What to know before buying travel insurance

You must qualify for a covered reason

Insurance companies are very explicit about the situations they will cover, and coverage details vary by company and the type of policy that you've purchased.

In general, the more expensive your policy, the more benefits the policy will offer. While some policies cover only medical emergencies, others cover trip cancellation and interruption , lost or stolen bags, and other losses.

Even though policies can be dense or boring to read, be sure you look at the details of yours so you know what types of situations you're covered for .

The details of your claim matter

The details about your reason for canceling are important, and the specifics will determine your eligibility. For example, you may not be feeling well, but are you sick enough that a doctor would suggest that you cancel your trip? There's a big difference between having a small cough and having pneumonia.

You may have to go through extra steps, like seeing a doctor, to prove your eligibility.

» Learn more: The best travel insurance companies

Reservations must be nonrefundable to qualify for cancellation benefits

When you’re traveling on miles and points, you can receive medical, trip delay and lost luggage benefits from a travel insurance policy you purchase. But if you want reimbursement for a canceled flight, travel insurance only covers nonrefundable expenses.

This prevents travelers from trying to "double-dip" and get a refund from both the airline and the travel insurance company.

Keep cancellation policies in mind before purchasing travel insurance. If you’re flying Southwest Airlines, which offers easy changes and refunds, and if your hotel has a 24-hour cancellation policy and you don’t have many activities booked in advance, you may not need travel insurance. The more flexible your plans, the less need you will have for travel insurance.

Claims should be submitted as soon as possible

Being proactive and timely with your claim ensures you won’t miss any deadlines that the travel insurance company may have. You don't want to go through the entire claims process only to find out that you missed the deadline by a few days. Instead, start your claim as soon as you can.

Organization is your friend

The travel insurance company will require documentation to support your claim, so you'll want to be organized as you collect the necessary records.

To stay organized with your documents, set up a folder in your email account for relevant messages, keep all paper receipts in an envelope and write down details of every conversation.

Many travelers digitize everything to make it easier to submit documents via email or an online portal. Your documentation should show that you have a valid claim that meets the insurance company requirements.

Time limits for filing a travelers insurance claim vary from company to company, so it is wise to refer to your specific policy to ensure you have a clear idea of the timeframe. Overall, most companies require claim submissions within 3 months of the incident.

For instance, according to insurance provider Seven Corners , "You must file your claim within 90 days of the incident, also known as the timely filing limit."

After you've submitted your claim — and assuming you have provided all of the required documentation and other elements — it can take up to two weeks for your reimbursement to be remitted.

Generally speaking, you should expect communication regarding your claim within that same timeframe. This could be to alert you of your claim's approval or to ask for additional evidence.

The more complex your travel insurance claim, the longer your approval and reimbursement process may take.

If your claim is approved, expect to receive a check or direct deposit of the amount owed.

Shop around if you’re looking to purchase a travel insurance plan. There are many online providers of travel insurance and the coverage amounts, limits, exclusions and other offerings can vary widely from provider to provider, not to mention policy to policy — even within the same company.

A comparison tool, like SquareMouth , can help you filter results based on what is important to you. You can filter your search to find policies that cover trip cancellation, trip interruption, baggage, medical treatment or other needs. You can then compare the cost of one policy against others based on your preferences and budget.

Travel insurance offers valuable protection in case something goes wrong with your travel plans. Your policy benefits will vary based on the level of coverage purchased and which company is offering the protection. When evaluating travel insurance providers, learn about their claims process should the worst-case scenario come true.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Wells Fargo Autograph℠ Card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

TRAVEL INSURANCE CLAIMS

The information provided below applies to policy numbers starting with TMI or TSI. If your policy number starts with TIA or TIS, please click here .

Making a claim

There are a number of options for making claim through BCAA’s travel insurance provider TuGo:

• Make a claim online
• Or make a claim over the phone:
• For Canada & US: 1.877.293.BCAA (2222)
• For Mexico: 800.062.7930 or 800.681.8070
• For outside North America & Mexico (Global toll-free number*): 800.212.12120
• Worldwide (collect**): 604.304.2727

Review your coverage

Details of your BCAA Travel Insurance policy can be found in your policy wording at bcaa.com/wordings .

How do I find out what I’m covered for? Arrow Icon

Please review your declaration page to determine which coverages you chose when you purchased your policy. Details of each of your chosen coverages can be found in your policy wording which can be accessed at bcaa.com/wordings .

Once I submit a claim, when will I hear back from someone? Arrow Icon

Once you have submitted a claim, you should hear from a Claims at TuGo representative within three business days. You may be required to provide more information before a claim decision can be reached.

How long will my claim take to process? Arrow Icon

The time it will take to process your claim depends on a few factors. For example, we might need follow up information from you or your medical provider(s). Most claims decisions are made within 30-days of receiving fully-completed claims forms. Claims at TuGo will work hard to resolve your claim as quickly as possible and keep you informed throughout the process.

How do I check the status of my claim? Arrow Icon

You can check the status of your claim by calling Claims at TuGo. Please see “Making a Claim” above for contact information.

Do I need to call for pre-approval for my medical treatment? Arrow Icon

You do not need to get pre-approval from Claims at TuGo for most covered medical benefits. Some benefits, listed below, require pre-approval – please ensure to read your policy for details.

Medical Benefits that Require Pre-approval from Claims at TuGo:

Please read your policy wording for more details about these benefits:

8. Emergency Air Transportation 9. Airfare to Return Home for Treatment 10. Medical Attendant 12. Return of Excess Baggage 13. Return of Travelling Companion 14. Return of Children/Grandchildren 17. Family Transportation 20. Remote Evacuation 21. Return of Vehicle 23. Domestic Services in Canada 24. Medical Follow-Up in Canada

Can I choose my medical provider, or do I have to go to a specific one? Arrow Icon

We encourage you to get in touch with Claims at TuGo before deciding on a medical provider. Experienced staff can help connect you with the appropriate care for your situation. However, we understand that emergencies can happen very quickly and that you may not always be able to contact Claims at TuGo before choosing a medical provider. You are always free to get care from any medical provider you like.

Do I have to pay for my medical treatment upfront? Arrow Icon

Claims at TuGo will pay your medical provider directly whenever possible, so you’re not out of pocket for your medical expenses.

I’m trying to use the global toll-free number. What are the International Access Codes? Arrow Icon

To use the global toll-free service when you are travelling outside North America and Mexico, you must first dial the international access code from the list below to reach Canada, then enter our 11-digit toll-free number 800.212.12120 . Please note that service is not available in all countries. If the country you are calling from is not in this list, please call us at 604.304.2727 directly and we’ll reimburse the call, or call us collect.

International Access Codes

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*222 from your cell phone

1-888-268-2222 in BC

1-800-222-4357 in North America

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HelloSafe » Travel Insurance » TuGo

Is TuGo Travel Insurance right for you? Review 2024

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Information verified by   Adeline Harmant

Our articles are written by experts in their fields (finance, trading, insurance etc.) whose signatures you will see at the beginning and at the end of each article. They are also systematically reviewed and corrected before each publication, and updated regularly.

Finding good travel insurance that offers comprehensive coverage is a daunting task. They always lack one thing or the other. But we've got you covered.

Among the host of options available in the market, TuGo travel insurance could be an option to consider. But is it the right fit for you?

To help you with that, we bring you this review of TuGo travel insurance, its coverage, pros and cons, claims process, and everything you need to know. You can also compare its coverage with different providers and get quotes so you can get a travel insurance that suits you the best.

TuGo travel insurance: 5 Key Takeaways

• It offers comprehensive coverage, including emergency medical expenses, trip cancellation/interruption and baggage loss.
• TuGo's plans offer many advantages, such as ease of purchase and multi-trip options.
• TuGo's MyFlyt Service grants travellers automatic access to airport lounges at no cost.
• TuGo has specific guidelines for coverage of pre-existing medical conditions.
• Compare coverage of different providers and get free quotes using HelloSafe comparator.

Our review of TuGo travel insurance Canada

TuGo Travel Insurance is a reputable travel insurance company based in Canada, which offers various insurance plans to cover individuals, families and businesses during their trips.

But who underwrites TuGo travel insurance? TuGo Travel Insurance is underwritten by Industrial Alliance Insurance and Financial Services Inc. (iA Financial Group), one of Canada's largest insurance and financial services companies.

TuGo provides coverage for emergency medical expenses, trip cancellation/interruption, baggage loss and other travel-related incidents. It provides generous emergency medical coverage of $10 million and also provides the Cancel for Any Reason (CFAR) upgrade . Unlike other insurance, TuGo covers adventurous sports through an optional rider.

TuGo is an ideal travel insurance for snowbirds or frequent young travellers who also seek adventure activities, however it's all-inclusive plans are only available for those aged 59 years and under, making it not the best choice for older adults.

We have collated the top pros and cons of TuGo travel insurance in Canada to help you make an informed choice. Take a look here!

• Comprehensive coverage
• Emergency medical coverage
• Multi-trip plans for frequent travellers
• Ease of purchase — online or through their customer service representatives
• High premiums
• Pre-existing conditions (unstable) not covered
• Delays or difficulties in claims as per TuGo travel insurance reviews
• Age limit of 59 for all-inclusive package
• People above 59 need to take medical questionnaire

If you think TuGo could be the right choice for you and you'd like to explore the plans, you can do so by getting a free personalised quote right here in no time.

Types of TuGo travel insurance

Tugo travel insurance for seniors.

Travel insurance for seniors is designed specifically for senior Canadians or older travellers. It provides coverage for emergency medical expenses, trip cancellation/interruption, baggage loss and other travel-related incidents. Since seniors may have unique health considerations, this plan may include specialized medical coverage suitable for their age group.

TuGo student travel insurance

Geared towards students travelling internationally for study abroad programs or other educational purposes, this insurance plan covers emergency medical expenses, medical evacuation and other travel-related contingencies. It aims to offer affordable and comprehensive coverage for young travellers pursuing educational opportunities overseas.

TuGo travel insurance for Canadian citizens

This type of coverage is tailored for Canadian citizens travelling within Canada or abroad. It provides coverage for medical emergencies, trip cancellations, baggage loss and other unforeseen events that may occur during their travels.

TuGo travel insurance for visitors

If you are a non-resident or visitor to Canada, TuGo offers travel insurance plans designed to provide coverage during your stay in the country. This plan includes emergency medical coverage, trip cancellation/interruption and other benefits for visitors to Canada.

TuGo travel insurance coverage: What does it cover?

The specific coverage may vary depending on the plan you choose, but here are some common types of coverage that TuGo Travel Insurance typically provides:

• Emergency medical coverage: This coverage takes care of medical expenses if you experience an injury or sudden illness during your trip. It can include hospitalization, doctor's visits, prescription drugs and emergency medical evacuation if required.
• Trip cancellation and interruption: If you need to cancel or cut short your trip due to covered reasons such as illness, injury or other unforeseen events, this coverage can reimburse you for non-refundable trip expenses.
• Baggage loss and delay: This coverage compensates you for lost, stolen or damaged baggage during your trip. It may also offer benefits for delayed baggage, providing funds for essential items while waiting for your luggage to arrive.
• Travel delay: If your trip is delayed for a specified period due to reasons beyond your control (e.g., inclement weather or airline strikes), TuGo may provide reimbursement for additional expenses incurred during the delay.
• Accidental death and dismemberment (AD&D): In the unfortunate event of accidental death or permanent injury during your trip, this coverage can provide financial benefits to you or your beneficiaries.

Some TuGo travel insurance plans may offer coverage for rental car-related incidents, such as collision damage or theft. Also, TuGo includes round-the-clock travel assistance services to help travellers with emergencies, medical coordination and travel-related inquiries. TuGo also covers Covid-related travel insurance needs.

TuGo medical questionnaire for travellers over 60

It’s a standard part of the insurance application process to help the insurance provider assess the traveller's health status and determine if any pre-existing medical conditions need to be considered for coverage. The questions in the questionnaire typically inquire about pre-existing medical conditions, medical history, medications, overall health status and more.

What is TuGo MyFlyt Service?

It grants you automatic access to an airport lounge when your flight faces a delay of two hours or more. To avail this benefit, you need to register your flight at least one hour before the originally scheduled departure time.

In the rare event that the airport lounge is overbooked or unavailable, you will receive a prompt $40 cash payout via Interac, PayPal or bank transfer. Bank transfers may take up to 72 hours, depending on your bank.

This valuable service from TuGo comes at no additional cost and is accessible to all individuals covered under TuGo travel insurance, even without trip interruption coverage. Tugo travel insurance reviews from customers claim this service adds great value to their experience.

We recommend that you compare the coverage of TuGo travel insurance with other providers before deciding what's best for you. You could simply use our comparator below to compare coverages of different insurance providers and also get free quotes.

Compare the best travel insurance plans on the market!

What is not covered by TuGo travel insurance?

Again, the exclusions may depend on your insurance policy. You may get some extra coverage options as add-ons by paying more, but here are some common examples of what might not be covered by TuGo Travel Insurance:

• Pre-existing medical conditions
• High-risk activities, such as skydiving and bungee jumping
• Non-medical evacuation
• Intoxication and substance abuse
• Travelling against medical advice
• Loss of unattended belongings
• Incidents related to acts of war, terrorism or civil unrest
• Self-inflicted injuries

How does coverage of TuGo travel insurance pre-existing conditions work?

TuGo has specific guidelines regarding coverage for pre-existing medical conditions. To be eligible for coverage, a medical condition must be considered stable for a defined period.

A medical condition is considered stable when the following conditions are met:

• No deterioration of the medical condition, as confirmed by a physician or registered medical professional.
• No new symptoms or findings, nor an increase in frequency or severity of existing symptoms or findings.
• No change in treatment by a physician or registered medical practitioner.

TuGo will not provide benefits or services in the following situations:

• For those aged 59 years and under, on trips <35 days, any medical condition that is not stable within seven days before departure.
• Meanwhile, for people aged 59 years and under, on trips >35 days, any medical condition that isn't stable within 90 days before departure.
• For those aged 60 years and over, on trips of any length, any medical condition that is not stable within 180 days before departure.

How much does TuGo travel insurance cost?

Several factors, including the trip cost, your age, and the selected coverage amount influence the plan pricing. Here's a sample quote for your reference to give you an idea of the expenses:

If you'd like to compare the prices of TuGo policies with others, you could use our comparator below to compare coverages, pricing and offers of the best travel insurances in Canada and also get free quotes in no time.

How to file a claim with TuGo travel insurance?

To initiate a claim, access the online claim system at myTuGo.com. Then, simply log in using your policy number. Complete the necessary forms, which can be printed and submitted via email or mail. TuGo advises submitting your claim form within 60 days from the date of treatment. Here’s what you can do to make a claim in different cases:

Making emergency medical claims

Provide detailed information, ensuring that you include all itemized bills and receipts, containing:

• Your full name
• Date(s) of service
• Amount charged
• Types of service/diagnosis
• Prescriptions with itemized pharmacy-issue receipts

Making trip cancellation/interruption claims

Keep the following documents handy for submission:

• Original unused tickets or e-tickets
• Original invoices and receipts from your travel suppliers with proper dates and amounts
• Copy of originally scheduled travel itinerary
• Proof of cancellation from all airlines, hotels, tour operators, cruise lines and other travel suppliers for unused expenses
• A statement from travel agency, airline or travel supplier documenting their refund policy, with copies of all refunds and/or credits for cancelled or unused expenses
• A medical certificate for any claim before departure, stating the diagnosis, onset of symptoms, dates, type of treatment and the reason why travel was not possible. If the claim is after departure, provide the reason why it was necessary to interrupt the trip.

Making baggage insurance claims

Get the following documents ready for submission:

• Proof that lost, stolen or damaged baggage was reported to relevant authority (e.g., police, hotel manager, vacation rental, airline)
• Some proof of loss — a police report will do
• A written estimate from a repair shop on the repair cost (if baggage is damaged)

How to contact TuGo travel insurance?

In case of an emergency, call TuGo on the following numbers:

• From Canada and USA call TuGo travel insurance phone number: 1 800 663-0399
• From Mexico: 001 800 514-9976 / 800 681-8070
• Worldwide (collect): 604 278-4108

For claims, you can call 1-800-663-0399 or email TuGo at [email protected] . For all other travel insurance inquiries, use this number 1-855-929-8846 or email [email protected] .

Sunny has over six years of experience curating engaging content spanning across industries. Specifically in finance, his expertise is insurance reviews and lending and investment topics.

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Tag: claim form

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