IRCC Super Visa information
Super Visa & Visitors Insurance
TuGo Travel Insurance
A Canadian travel insurance company serving Canadians since 1964. TuGo offers two plans — a Basic plan capped at age 79 with no pre-existing condition coverage, and a comprehensive Standard plan with no upper age limit and age-based pre-existing condition coverage.
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Coverage Details
Super Visa policies run a fixed 365 days from your start date.
Applicants(1 of 2)
Your Trusted Partner
TuGo Super Visa Insurance: Proudly Canadian Since 1964
TuGo has been protecting travellers for more than 60 years from its Canadian headquarters, with an in-house claims team and direct billing arrangements at hospitals across the country. For Super Visa applicants, that means faster claims handling and less financial stress if a parent or grandparent needs emergency care — with comprehensive plans available even for applicants 90 and older.
Why Choose TuGo
Why Choose TuGo for Super Visa Insurance?
Proudly Canadian Since 1964
Headquartered in Canada with an in-house claims team, TuGo has protected travellers and visitors for over 60 years.
Direct Hospital Billing
TuGo arranges direct billing with many Canadian hospitals, reducing out-of-pocket costs during a medical emergency.
Coverage for Older Parents & Grandparents
The Standard plan has no upper age limit and covers stable pre-existing conditions with age-based stability periods. The Basic plan is available up to age 79.
Optional Coverage for Unstable Conditions
On the Standard plan, applicants 79 and under can add optional coverage for a condition stable for as little as 7 days before travel.
24/7 Telemedicine & Emergency Assistance
Virtual doctor visits through Maple, plus round-the-clock assistance if a medical emergency happens.
Coverage Details
What TuGo Travel Insurance Covers
Comprehensive emergency medical coverage with the added convenience of direct hospital billing at many facilities across Canada. See the full Basic vs. Standard breakdown below.
Emergency Hospitalization
Semi-private hospital accommodation, nursing care, and hospital services
Physician Services
Emergency physician and specialist consultations
Ambulance & Medical Transport
Ground, air, or sea ambulance transport when medically necessary
Prescription Drugs
Standard plan: 30-day supply, no dollar cap. Basic plan: 30-day supply up to $100
Accidental Dental
Standard plan only: up to $6,000 for accidental injury, plus up to $600 for dental pain relief
Medical Repatriation
Emergency air transportation and return home when medically necessary
Follow-up Visits
Standard plan: up to 5 follow-up visits within 14 days. Basic plan: 1 follow-up visit within 14 days
Direct Hospital Billing
TuGo guarantees payment to hospitals and medical providers where possible, relieving you of upfront credit responsibility
Accidental Death & Dismemberment
Standard plan only: up to $25,000 in built-in 24-hour accident coverage
Professional Medical Services
Standard plan only: physiotherapy, chiropractic, and other practitioners, up to $600 each
24/7 Telemedicine
Virtual doctor visits through the Maple platform, any time
| Benefit | Basic | Standard |
|---|---|---|
| Hospital & Medical | ||
| Hospital Accommodation | Semi-private room | Semi-private room |
| Physician Care | Covered in full | Covered in full |
| Ambulance (ground, air, or sea) | Covered in full | Covered in full |
| Diagnostic Tests / X-rays | At time of emergency or within 7 days | At time of initial emergency |
| Prescription Drugs (30-day supply) | Up to $100 | No dollar cap |
| Healthcare Practitioners (chiro, physio, etc.) | Not included | $600 per practitioner |
| Follow-up Visits (within 14 days) | 1 visit | Up to 5 visits |
| Fracture Treatment | Up to $1,000 | Up to $1,000 |
| Dental Emergency | ||
| Accidental Damage to Teeth | Not included | Up to $6,000 |
| Relief of Dental Pain | Not included | Up to $600 |
| Death & Dismemberment | ||
| Accidental Death & Dismemberment (24-hour) | Not included | Up to $25,000 |
| Emergency Air Transportation | Up to $100,000 | Covered (pre-approved) |
| Return of Remains (burial/cremation at place of death) | Up to $3,000 | Up to $6,000 |
| Pre-Existing Conditions | ||
| Stable Pre-Existing Conditions | Not included under any circumstances | Covered — 90 to 365 days stability depending on age |
| Unstable Pre-Existing Condition Rider (age 79 & under) | Not available | Optional add-on, stable as little as 7 days |
| Additional Standard-Plan Benefits | ||
| Maternity (complications only) | Not included | Up to $6,000 |
| Hospital Allowance | Not included | Up to $100/day |
| Out-of-Pocket Expenses (companion hospitalized) | Not included | $500/day, max $5,000 |
| Child Care (if hospitalized) | Not included | $500/day, max $5,000 |
Figures are per insured person, per policy, and are based on the official TuGo Visitors to Canada policy wording (Basic, ed. 2025-10; Standard, ed. 2021-12). Coverage is always subject to your sum insured, deductible, and all policy exclusions.
Plan Options
Deductible & Premium Estimates
Choose a deductible that fits your budget. All plans include access to TuGo's direct billing network.
| Deductible | Est. Monthly Premium* | Premium Savings | Best For |
|---|---|---|---|
| $0Most Popular | ~$155–$255 | — | Full coverage, no surprise costs at time of claim |
| $500 | ~$140–$230 | ~10% | Low out-of-pocket with modest premium savings |
| $1,000 | ~$125–$210 | ~18% | Popular choice — balances cost and coverage well |
| $2,500 | ~$110–$185 | ~28% | Budget-friendly with an adequate emergency reserve |
| $5,000 | ~$95–$160 | ~38% | Lowest monthly premium, high self-coverage capacity |
* Estimates based on a 65-year-old applicant for a 12-month policy. Actual premiums vary by age, health history, and coverage amount.
Stability Clause
Pre-Existing Condition Coverage
On the Standard plan, TuGo's stability requirement scales with age. A condition is stable when there's no change in medication type or dosage, no new symptoms, no hospitalizations or ER visits, and no outstanding test results, for the full period below before the policy effective date. Applicants 60 and over must also complete a medical questionnaire. The Basic plan does not cover pre-existing conditions under any circumstances, regardless of stability.
Age 59 & Under — 90 days stability
Pre-existing conditions must be stable for 90 consecutive days before the policy effective date.
Ages 60 – 69 — 120 days stability
A medical questionnaire is required. Conditions must be stable for 120 consecutive days before the policy effective date.
Ages 70 – 85 — 180 days stability
A medical questionnaire is required. Conditions must be stable for 180 consecutive days before the policy effective date.
Age 86 & Over — 365 days stability
A medical questionnaire is required. Conditions must be stable for 365 consecutive days before the policy effective date.
What counts as "stable"
- No new or worsening symptoms
- No new diagnosis or change in existing diagnosis
- No new prescriptions or change in medication dosage
- No hospitalization or referral to a specialist
- No tests ordered or results outstanding
Important Note
Conditions not meeting the stability requirement are excluded. A licensed advisor can help confirm eligibility before you purchase.
Official Documentation
Policy Wording Documents
Read the full, official TuGo policy wording for the exact terms, limits, and exclusions that apply to your coverage.
Common Questions
Frequently Asked Questions
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