TuGo super visa insurance review (2026)

TuGo’s Visitors to Canada plan meets the IRCC super visa requirement when bought at $100,000 or more for a full year, and it costs about $2,093 a year at 55, $2,986 at 65 and $5,295 at 75 with stable pre-existing conditions covered (rates seen October 2026). It is the only mainstream plan with no maximum age on its Comprehensive tier. Its weak points are price above 60 and a pattern of slow-claim complaints.

Who is TuGo, and who underwrites the policy?

TuGo is the trading name of North American Air Travel Insurance Agents Ltd., a Richmond, BC administrator. The contract is issued by Industrial Alliance Insurance and Financial Services Inc., part of iA Financial Group, a Canadian life insurer. That name must appear on the certificate, and it does.

IRCC does not accept a policy from a broker or claims administrator; it needs the insurer. TuGo’s certificate names iA as the issuer and TuGo as administrator, which satisfies the IRCC document rules. Claims are handled by TuGo’s own in-house claims team, formerly branded OneWorld Assist, which the PolicyAdvisor review still names as the administrator.

TuGo is the insurer whose plan is sold on SuperVisaDirect. Buy it in three steps on the super visa page.

Which TuGo plan do super visa parents need?

Buy the Comprehensive plan if the parent has any diagnosed condition, because Basic excludes pre-existing conditions and stops at age 79. Both plans can be set at $100,000 or more, which is what IRCC requires per applicant. Comprehensive also adds dental, a hospital allowance and side-trip cover.

Source: PolicyAdvisor TuGo review and the iA policy wording.

What are TuGo’s stability rules for pre-existing conditions?

The stability period is set by the parent’s age on the effective date: 90 days to 59, 120 days from 60 to 69, 180 days from 70 to 85, and 365 days at 86 and over. A condition is stable only if medication, symptoms and tests have not changed in that window. An optional rider shortens the period to 7 days for travellers up to 79.

Applicants 59 and under answer no medical questions; 60 and over complete a short questionnaire that sets the premium rather than deciding eligibility. TuGo’s in-house assistance line is staffed 24 hours a day with support in 27 languages, which matters for a parent who does not speak English; TuGo’s own account of a questionnaire error shows it applying a $15,000 deductible on a Canadian traveller’s claim rather than voiding the policy, though that example is from the Traveller plan and the Visitors to Canada wording governs here. Terminal illness, dialysis-dependent kidney disease and metastatic cancer are excluded on every tier per PolicyAdvisor. See our pre-existing conditions guide for how to test stability before buying.

What does TuGo cost for a super visa parent?

Expect roughly $2,100 a year at 55 and $5,300 at 75 with stable conditions covered; dropping pre-existing cover saves 15 to 30 percent. TuGo is priced in the middle of the eight carriers we track, but it was second-lowest of the eight at 70 and 75 in October 2026.

Annual premium, $100,000 coverage, $0 deductible, rates seen Oct 2026 — verify at quote time.

Sources: BestQuote and PolicyAdvisor. Deductibles of $0, $150, $500, $1,000, $2,500, $5,000 and $10,000 are available; a $0 deductible is the default. Compare all carriers on our cost page.

Does TuGo offer monthly payments?

We could not verify a monthly instalment plan for TuGo’s visitor product as of October 2026, so assume the premium is due in full at purchase. IRCC accepts instalments only where a deposit has been paid, and four other carriers publish monthly terms. See monthly plans.

What are TuGo’s refund and cancellation rules?

A full refund applies if you cancel before the effective date or within 10 days of purchase with no travel, which covers a visa refusal before the start date. Later cancellations are refunded less an administration fee, and our fact sheet records a $250 cancellation fee. Early return home earns a pro-rata refund only if no claim was made.

Source: PolicyAdvisor. Because processing times swing from 44 to 265 days by country, choose a start date you can move before it begins.

What are the repatriation, side-trip and waiting-period rules?

Return of remains is paid up to the sum insured, plus $6,000 for burial or cremation at the place of death. Side trips are covered on Comprehensive if most of the coverage period is spent in Canada; expenses in the home country are never covered, though a home visit does not end the policy.

Source: iA policy wording. Buying before the parent lands removes the waiting period entirely.

What do reviews say about TuGo claims?

TuGo holds a Trustpilot score of 4.0 from 261 reviews, with 74 percent five-star and 17 percent one-star. The praise is for pleasant agents and an easy purchase; the complaints are about claim payment delays of 10 weeks to 3 months and long phone holds.

Quoted on Trustpilot: “Been waiting 3 months since submitting small claim” and “I’ve been waiting 10 weeks to be refunded for medical expenses covered.” HelloSafe lists “delays or difficulties in claims” as the common theme. TuGo’s claims page describes a 24/7 multilingual team but gives no service standard. Call the assistance line before treatment, keep every receipt, and expect reimbursement claims to take weeks.

Who is TuGo best for, and what should you watch for?

TuGo suits parents aged 70 and over with stable conditions, and anyone 86 and over who other carriers will not insure. It is a poor fit for families who need instalments or who want a fast reimbursement cycle.

Buy the TuGo plan in three steps on the super visa page, or read our 21st Century and Secure Travel reviews for the carriers that beat TuGo under 70.