TuGo Reviews 217

The TUGO representative, Sherlyn, was friendly, patient, and helpful in assisting me as I had issues with accessing my account. I appreciated her knowledge in troubleshooting to resolve the problem and ensuring my concerns were addressed.

My experience was seamless from start to conclusion.
The agent I dealt with was super nice and helpful.
I will continue to use this service whenever we travel.

no one pick up the call and hospital keeps calling me to pay the bills . I don't knw what to do.
worst service I have ever scene

Hotels were booked for a short stay on Skiathos island, Greece. The island was hit with a major storm a week before our arrival date. The flooding closed the airport for a week so we had no way of getting to the island to use the hotel. Documents and detailed explanation of the issue were submitted along with details from the web as to the storm itself. Settlement arrived a few weeks after submitting the claim documents.

I'm from Quebec, and my girlfriend is from Washington State. We are in the process of getting her a common-law partner sponsorship here in Canada, specifically Quebec. She needs to stay in Canada with me for 12 months. So, I used TuGo for the first 6 months. We took one package for the full first 6 months, as this is all she was allowed to stay initially, and we were unsure if she would be approved for the visitor visa, as we had never applied for this before, neither one of us. We managed to extend her stay using a visitor record for an additional 6 months. For the first renewal from month 7 to 9, I decided to only renew for 3 months to lower the amount a bit... I'm not rich, and paying for another 6 months in one go was a bit hard, so we took a 3-month coverage with plans to renew for the final 3 months at the end of February. So, over her 9-month stay so far, we had a few minor claims done. Nothing major, $200 the first claim. The doctor suspected a stomach ulcer and gave her some medication. Then we opened a claim for a UTI, but the doctor never charged us anything, so we never completed this claim. Then, an emergency dentist appointment for about $100. And finally, the last doctor thought she had strep throat, but the test came back negative, and she must have had a really bad cold that came with a fever. The fever persisted for more than 7 days, so we consulted in case this was something serious. This cost us $170. They started adding limitations to our coverage as of the first renewal, stating the issues she made a claim for in the first 6 months were now voided and no longer covered if they happened again... so that's very awesome and peace of mind for us... what's the point of insurance for in case of an emergency if they start adding limitations? When we came to renew for the final 3 months, they declined us because we made too many claims... Those 3-4 minor small claims. The last claim to this day is still pending, and I have not received a refund, and we submitted everything over 4 weeks ago. So, if you have $200 or less in claims, don't even bother; they will refuse you for renewals... Because of the added limitations after the first renewal, we started to worry and really wanted to avoid the hospital. I personally hate hospitals and avoid them like the plague. So, we only went when we felt the need to. So, NO EASE of mind, and we worried if each appointment would it be covered or not. That's not how insurance is supposed to feel. For TuGo to be any good for you, you need to be rich and take the full 12 months in one go. Pay $1200-1400 or whatever 12 months costs more or less in one go if you want to be sure to be protected for the full 12 months if that's how long you plan to stay. Renewing is going to ruin your experience as it did with us. My girlfriend will be allowed to get on the Quebec RAMQ plan in a few months' time. This was the plan from the start. Get her residency and a work permit. TuGo has made us stress every time. Should we make a claim, we should have just sucked it up and paid ourselves each time... I suggest only making claims if it's going to cost a few thousand... They didn't even offer to raise our premium due to too many claims; they just flat out refused us. You only had to cover her for 3 more months to avoid this negative review. We needed 12 months; you gave us 9 out of 12. Your company is garbage, and we will never refer anyone to you. I recommend staying clear if you really want peace of mind.

Update the night after I wrote this review: Funny, I come home, walk in the door, and see a TuGo letter in the mail. This letter claims we are missing information. We have been waiting for 4 weeks for them to say we are missing information?!?! We filled our previous claims and got refunds in a timely manner. We filled them correctly and got our refunds, so we clearly know how to fill their forms. But this time, something is missing supposedly. They are messing around for about $170 + $100. You are trying to make us have an even worse experience. You are messing around for $370, so all you readers reading this... when it comes time to pay more than like a few hundred dollars and it's not your first claim, they will make you wait and mess around. AVOID TUGO.

So from what I understand in the last 3 months covered, so from November to February, we made 2 claims. a dentist appointment of about $90-100 and 1 doctor appointment for $170, so about $270 in claims. This has been on hold for the last 4 weeks, and they are giving me the feeling you won't even pay us... and these 2 claims that you may not even pay us got us denied for our final 3 months of coverage needed? As you can see, dear reader, you will not have peace of mind with this company unless you only deal with them once and pay for your full stay in one go. For short stays, they might be okay, but for any extended stay, don't renew; just get 1 plan for the full period.

I had a great experience with TuGo from start to finish. I found it easy to apply initially. I paid for my trip in increments so I was able to add to my policy as I made payments. Unfortunately, my trip was cancelled due to the crisis in Israel. As I didn't purchase cancel anytime, I had to wait until the specified timeframe before making a claim. My claim fully reimbursed my trip! Any questions I had throughout the process were answered within a reasonable time frame.

Talking to an agent allowed me to ask questions so that I clearly understood exactly what documentation was needed to support my claim eliminating unnecessary "back and forth". When I submitted my claim I felt confident that I had met all the necessary requirements and it only took a few weeks till I received a cheque in the mail to cover my expenses. I was very appreciative of this as it helped make an unfortunate illness less distressing.

I had a toothache and needed a root canal, and my insurance covered most of the cost, and for that I'm grateful.

Easy to contact by phone and email. Prompt responses. Easy to apply for my claim. And fast processing of claim.

In November I have applied for reimbursement, and agency told me that I can apply for it on line, which is really convenience to get everything done, and finally I got the reimbursement soon.

My overall experience was good. The forms that needed to be filled out because I had a claim were straightforward. The claim was accepted with little issues.

I cannot recommend TuGo enough from the perspective of a broker! The coverages that TuGo offers are far superior than their competitors and often TuGo's premiums are a lot less as well! The team at TuGo, especially Kristina are incredibly helpful, kind, and knowledgeable. They have gotten me out of a few tricky situations and provide prompt and courteous service for me and my clients. A huge thank you to Kristina for the help multiple times now.

From the time that my trip was in jeopardy, due to Visa problems, and being advised by my broker, to keep all the required documents in order before I called or contacted Tugo was what made this happen quickly.
Once I contacted, submitted my claim and spoke just to two individuals from Tugo, everything flowed thru very smoothly and I rec'd my payment in less than a month

I made my claim online, and Tugo sent me a claim form to sign and mail back. It was an easy process to complete, and took about 5 weeks to receive payment for the full claim amount. There were Xmas and New Year's holidays during that time, I think any other time of year, and it probably would have completed a little sooner.

I was insured with TuGo when I developed a health issue. I was planning on travelling, I notified them of the recent issue. They told me I was still insured with that exception because it was too recent.
I took my trip to Europe and ended up in a hospital emergency department. I had bronchitis.
On my return I filed my claim. I was concerned because I had not contacted TuGo before I went to the hospital and also thought they might try and tie it in my my recently diagnosed condition ( which I understand many companies do).
They fully reimbursed me in a matter of weeks. I had read many glowing reviews about them online. I will add my praise to those.

My experience with TuGo last summer (May 28, 2023 to August 1, 2023) was my first experience with this Company.

It was a recommendation by my brother, which led me to TuGo.

From the time of purchasing my insurance, the staff was very competent, knowledgeable and prompt in returning telephone inquiries. This applied with correspondence, as well.

A claim was made and TuGo processed this expediently and kept me apprised on its status regularly.

In summary, I would highly recommend TuGo.

Tu Go are very easy to reach, helpful staff and expedient end results! My husband had health issues when traveling to KL. We reached out to Tu Go and never waited on hold more then 2 to 3 minutes! Staff were always pleasant, helpful and appeared to be concerned.
We couldn’t have managed to get my husband back safely and comfortably to Canada without their help. We will be forever grateful! I will never travel again without getting extra insurance from Tu Go. It will give me peace of mind. I have already recommended to friends and family. Don’t bother looking elsewhere honestly!

I’ve been with TUGO for several years. I find them efficient, friendly and helpful. I was delighted how quickly a recent travel claim of mine was successfully processed.