TuGo Group

What TuGo Group does

TuGo Group, operating legally as North American Air Travel Insurance Agents Ltd., is a Canadian travel insurance company founded in 1964 and headquartered in Richmond, British Columbia. The company designs, distributes, and administers travel insurance products and related services for Canadian residents, seniors, international students, and visitors to Canada — sold through its own website, the myTuGo customer portal and mobile app, a network of licensed insurance brokers, a dedicated partner platform (partner.tugo.com), and an affiliate program run on PartnerStack. Core insurance products include emergency medical, trip cancellation and interruption, accidental death and dismemberment, baggage, rental car protection, and "cancel for any reason" add-ons, distributed as standalone plans or bundles such as the All Inclusive Holiday Package and Non-Medical Package.

Underwriting risk is assumed by Industrial Alliance Insurance and Financial Services Inc. (and Industrial Alliance Pacific), while all claims and emergency assistance are performed by OneWorld Assist Inc. under the "Claims at TuGo" brand, which holds ISO 9001:2015 certification. TuGo is licensed as an insurance agency in all Canadian provinces and territories and adheres to the Travel Health Insurance Association's Bill of Rights. Adjacent value-added services include MyFlyt (flight-delay lounge access or cash payout), MySIM (a complimentary eSIM offering powered by aloSIM), Telemedicine consultations, and TuGo Emotional Assistance, all accessed through the myTuGo policy-management portal. Customers purchase on a quote-based, per-trip pricing model with optional promotional discounts; revenue is generated primarily through insurance premiums and ancillary service fees.

TuGo is privately held with no disclosed external funding, no parent company, and no recorded M&A activity. Recent strategic emphasis has been on expanding ancillary travel services (notably the 2024 MySIM launch) and strengthening partner and broker channels, supported by a new public Developer Portal for API integrations and a continuously maintained portfolio of registered product trademarks.

Name

TuGo Group

Legal name

North American Air Travel Insurance Agents Ltd.

Website

https://tugo.com

Company type

Private

Founded year

1964

Operating status

Operating

Headcount range

101–250 employees

Short description

TuGo Group is a Canadian travel insurance company founded in 1964, administering medical, trip-cancellation, baggage, and related coverage for Canadian residents, seniors, students, and visitors to Canada via direct, broker, and affiliate channels, with in-house claims and ancillary services.

Ownership category

akta.pro rank

Product category

Travel Insurance

NAICS

Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411), Fire, Marine & Casualty Insurance (6331), Accident & Health Insurance (6321)

akta.pro primary industry

Personal Accident Insurance (Injury, Disability & Income Benefit) (FSAJAJAD)

akta.pro secondary industries

Travel AD&D / Common Carrier Accidental Death Insurance (FSAIALAD), Baggage & Personal Effects Insurance (FSAJAJAE), Adventure Sports & High-Risk Activity Travel/Accident Insurance (FSAJAJAL)

Keywords

• Travel insurance
• Emergency medical coverage
• Trip cancellation insurance
• Visitors insurance
• Travel assistance services

Headquarters

HQ city

Richmond

HQ country

Canada

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Insurance Premiums: TuGo generates revenue through insurance premiums paid by policyholders for travel insurance coverage including emergency medical, trip cancellation, trip interruption, baggage, and other travel-related insurance products.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels6 records

Core offering

TuGo Group sells travel insurance products and related assistance services to Canadian residents, seniors, international students, and visitors to Canada. The core lineup includes emergency medical insurance, trip cancellation/interruption coverage, accidental death and dismemberment, baggage insurance, and rental car protection, offered as standalone plans or bundled packages. Value-added services include MySIM (eSIM data via aloSIM), MyFlyt (flight delay lounge access/cash payouts), telemedicine consultations, TuGo Emotional Assistance, and the myTuGo customer portal.

Product overview

TuGo is a Canadian travel insurance company offering a comprehensive portfolio of travel insurance products and related services. The core product lineup includes various insurance plans: Emergency Medical Insurance for unexpected health emergencies while traveling, Trip Cancellation & Trip Interruption Insurance for reimbursement of travel costs, Accidental Death & Dismemberment coverage, and specialized packages like the All Inclusive Holiday Package (combining medical + non-medical coverage) and Non-Medical Package (for travelers with existing medical coverage). These are available as standalone plans or bundled packages with optional add-ons including Sports & Activities coverage, Cancel for Any Reason, Baggage Insurance, and Rental Car Protection. Complementing the insurance products are value-added services including MySIM (eSIM powered by aloSIM providing mobile data), MyFlyt (flight delay lounge access/cash payouts), TuGo Emotional Assistance, Telemedicine consultations, and myTuGo online policy management portal. Products serve distinct traveler segments: Canadian Residents, Seniors, Visitors to Canada, and Students.

Differentiator

Problem solved

Functional benefit

Brands

• Claims at TuGo: Claims and assistance provider performing all assistance services and administering claims on behalf of TuGo under policies
• MySIM
• MyFlyt
• TuGo Emotional Assistance
• Telemedicine
• myTuGo
• TripMate
• TravelMate
• Ultimate TripGuard

Products and services

• Emergency Medical Insurance
• Trip Cancellation & Trip Interruption Insurance

Quantifiable outcome

• Claims paid example: $27,898.43 for emergency medical in San Francisco (hospital stay, CT scans, fractured wrist treatment)
• +3 more outcomes

Named customers4 records

Segments4 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature6 records

Partnerships

Six partnerships are on record, tiered core and minor.

• Industrial Alliance Insurance and Financial Services Inc.coreOthersPrimary underwriter for TuGo's insurance policies. Provides financial backing and risk assumption for travel insurance products sold by TuGo.
• Industrial Alliance Pacific General Insurance CorporationcoreOthersSecondary underwriter for TuGo's insurance policies. Provides additional financial backing and risk assumption for travel insurance products.
• OneWorld Assist Inc. (Claims at TuGo)coreStrategic or Co-development PartnerPerforms all claims processing and assistance services on behalf of TuGo under insurance policies. ISO 9001:2015 certified service provider.
• Easter Seals CanadaminorOthersCharitable partnership to support people living with disabilities. TuGo has announced partnership to support Easter Seals Canada's mission.
• PartnerStackminorGTM or Marketing PartnerAffiliate program platform powering TuGo's affiliate partner channel. Partners can refer customers and earn commissions through PartnerStack portal.
• Licensed Insurance BrokerscoreChannel Partner/ Reseller/ DistributorNetwork of licensed insurance brokers across Canada who sell TuGo travel insurance products to end customers. Partners receive access to broker platform and resources.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• BCAA: BCAA is a Western-Canadian auto and home club that sells travel insurance to its membership base, overlapping with TuGo's snowbird, family, and BC-resident traveler segments.
• Manulife Travel Insurance: Manulife offers travel medical, trip cancellation, and baggage insurance to Canadian travelers through direct and advisor channels, directly competing with TuGo across the same customer segments and product lineup.
• Allianz Travel Insurance: Allianz Partners is one of the largest global travel insurance providers with a substantial Canadian footprint (formerly World Travel Protection), competing head-to-head with TuGo on single-trip, multi-trip, and visitor-to-Canada plans.
• AIG Travel Guard: AIG's Travel Guard is a major travel insurance brand offering medical, cancellation, and baggage products to Canadians, with comparable distribution through brokers and direct channels.
• CAA Travel Insurance: CAA sells travel insurance through its membership club and broker network across Canada, targeting similar Canadian resident, senior, and snowbird segments as TuGo.
• Blue Cross Travel Insurance: Provincial Blue Cross plans offer travel medical insurance to Canadians, competing directly with TuGo on emergency medical coverage and visitor-to-Canada products, often through employer group channels.
• Intact Financial (RSA Travel): Intact (via RSA Canada) offers travel insurance products to Canadian consumers and through broker networks, directly overlapping TuGo's product categories and broker-driven distribution model.
• World Nomads: World Nomads specializes in travel insurance for adventure and long-tail international travelers, competing for the same digitally-native, self-serve customer that TuGo targets through its website and affiliate channel.
• Travel Underwriters (UK): Travel Underwriters is a Robinson-family travel insurance administrator that shares TuGo's DBA and brand lineage; it provides a comparable specialty travel insurance product set, including emergency medical and cancellation, primarily in the UK market.

Broad incumbents

• Generali Global Assistance: Generali Global Assistance is a large, multi-line assistance and travel insurance provider with Canadian distribution, providing broader portfolio coverage (including identity protection) but competing directly in travel medical and cancellation.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/tugoinsurance
• Facebookfacebook.com/tugoinsurance
• LinkedInlinkedin.com/company/tugo-insurance
• Instagraminstagram.com/tugo_insurance

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about TuGo Group