I submitted my travel insurance claim to TuGo on 15 August 2025, uploading all required documents through their myTuGo online portal, which TuGo promotes as the “easiest and most convenient way” to manage and track claims.After nearly two months with no progress (status still showing “In Review”), I followed up on 7th October and received this reply from their claims department:“All required information has been received. The claim results and applicable reimbursement will be sent to you once the Canada Post strike has been resolved.”It’s hard to believe that in 2025, a major insurer still claims it can’t finalize or pay a claim because of postal delays — especially when everything was submitted online. This kind of excuse feels completely outdated and makes me question how efficiently TuGo manages its claims process.[11th Oct Update: TuGo later confirmed my claim approved and reimbursed in full, but they still mailed a physical cheque to my old address, again citing the Canada Post strike as the reason for delay.NONE of this was communicated proactively - I only learned about it because I kept asking via emails. No electronic online Claim Decision Letter or online payment option has been provided via their own claim portal -- which is extremely frustrating and unreasonable in 2025.]I’ll update this review once the matter is resolved, but for now, I hope my experience helps others set realistic expectations before relying on TuGo for travel insurance.
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Canadian-owned and operated for over 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, TuGo offers 24/7 in-house emergency travel medical assistance, with support in 27 languages.
