Sports & Activities Optional Coverage
Coverages Available With
- Canadian Residents Travel Emergency Medical Insurance or
- Visitor to Canada Emergency Medical Insurance.
We make it easy for your customers to enjoy their travels—their way
At TuGo, we’re helping travellers have better travel experiences; and knowing they’re covered for the activities they love is an important part of that—that’s why Emergency Medical Insurance for Canadians and Visitors to Canada now cover many of the activities they love to do, while away.
Because we’ve reduced the list of sports and activities that require this coverage, there’s little need to plan ahead if they don’t want to; your customers can say yes to their bucket list dream activities. That’s what makes our travel insurance unique!
Contact Sports Coverage
Available as optional with Emergency Medical Insurance
Maximum limit – Up to the Policy limit
Coverage is available for persons 18 years and over
Love a little competition? Whether you’re on the field or in the ring, Contact Sports Coverage protects you while you’re travelling outside of your home province or country of permanent residence. This insurance coverage applies when travellers (ages 18+) participate in, coach, teach, train or practice on behalf of a registered team, league, association, club or while competing in a registered tournament, competition, or sporting event.
What Activities are covered?
- Australian Football
- Boxing
- Football
- Ice Hockey
- Lacrosse
- Rugby
Coverage to the extreme
For your more daring customers, all they need is Sports & Activities Optional Coverage to take their travels to the next level.
All sports/activities have a specific surcharge and minimum and maximum premium.
- If a traveler selects more than one sport/activity, they’ll only be charged for the sport/activity with the highest surcharge and will be covered for all sports/ activities selected.
- The policy declaration page will include all the sports/ activities that were selected as well as their benefit limits.
- The traveller must select all the specific sports/ activities they’ll be participating in, or training and practicing for during their trip, and pay the applicable surcharge, or risk not having coverage for those sports/activities during their trip.
Adventure Sports Coverage
Available as optional with Emergency Medical Insurance
Maximum limit – Up to the Policy limit
For adventure-seekers who love exploring the great outdoors and testing their physical limits, this coverage applies when you participate in, coach, teach, train, or practice the following sports and activities:
What Activities are covered?
- Flying as a Pilot or Passenger in a Glider or Ultralight
- Backcountry Skiing/Snowboarding/Snowshoeing*
- Bobsledding
- Canyoning/Canyoneering
- Downhill Freestyle Skiing/Snowboarding in Organized Contests*
- Downhill Longboarding
- Downhill Mountain Biking*
- Downhill Skating
- Endurance Activities over 6 Hours
- Hang Gliding
- High Risk Snowmobiling*
- Ice Climbing
- Luge/Skeleton
- Mountaineering up to 6,000 Metres*
- Non-motorized X Game Sports (or those sports in similar type events)
- Parachuting/Skydiving/Tandem Skydiving (more than one jump per trip)
- Paragliding/Parapenting
- Paramotoring
- Parasailing/Parascending over Land
- Snow Kiting
- Stunt/Aerobatic Flying
Extreme Sports Coverage
Available as optional with Emergency Medical Insurance
Maximum limit – $500,000
Love living life to the limit? Coverage is available for extreme sports enthusiasts like you, who live for a thrill! This insurance applies when you participate in, coach, teach, train, or practice the following sports and activities:
What Activities are covered?
- Base Jumping
- Bull Riding/Bull Fighting
- Free Diving over 30 Metres
- Motorized Speed Contests*
- Motorized X Game Sports (or those sports in similar type events)
- Mountaineering over 6,000 Metres*
- Rodeo*
- Running with the Bulls
- Scuba Diving (if not certified by an internationally recognized and accepted program)
- Scuba Diving over 30 Metres
- Ultimate Fighting & Mixed Martial Arts
- Wingsuit Jumping/ Wingsuit Flying.
Sports & Activities Policy limits
Backcountry skiing/snowboarding Policy limit
BASE jumping Limit* $500,000
Boxing Policy limit
Downhill freestyle skiing/snowboarding in organized competitions Policy limit
Downhill mountain biking Policy limit
Hang gliding/paragliding Limit* $500,000
High risk snowmobiling Limit* $500,000
Ice climbing Policy limit
Mixed martial arts Policy limit
Motorized speed contests Limit* $500,000
Mountaineering Policy limit
Organized team sports Includes Policy limit
- American and Canadian football
- Ice hockey
- Rugby
Not required for travellers aged 20 years and under
Parachuting/skydiving/tandem skydiving Limit* $500,000
Rock climbing (includes canyoneering, but does not include indoor rock climbing) Policy limit
Scuba diving or free diving over 40 metres Limit* $500,000
White water sports—Class VI Limit* $500,000
Wingsuit flying Limit* $500,000
Excluded Activities
Whatever sport you’re into, be sure that it’s covered. If it’s not listed above under Contact Sports, Adventure Sports or Extreme Sports, we may cover it under our standard Emergency Medical Insurance, unless it’s listed below as an excluded activity:
- Coaching, teaching, participating, practicing, or training for out-of-bounds skiing
- Coaching, teaching, participating, practicing, or training for out-of-bounds snowboarding
- Coaching, teaching, participating, practicing, or training for out-of-bounds snowshoeing
- Coaching, teaching, participating, practicing, or training for out-of-bounds non-motorized snow-biking
All sports/activities not listed in the Sports & Activities Optional Coverage are covered under the Emergency Medical Insurance plan, without having to purchase this optional coverage, with the exception of:
- Barrel racing
- Bronc riding
- Bull riding
- Chariot racing
- Chuck wagon racing
- Harness racing
- Rodeo bareback riding
- Rodeo clowning
- Rodeo team roping
- Steer wrestling/ chute dogging
- Trick riding
The following are also excluded if participating, training or practicing in any areas that have been closed off to public access and/or can typically only be accessed by crossing a fenced, gated or roped-off area that has been marked as off limits according to recommendations of safety authorities in the area.
- Backcountry skiing/ snowboarding
- Downhill freestyle skiing/snowboarding in organized competitions
- High risk snowmobiling
- Ice climbing
- Mountaineering
- Rock climbing
Any of the sports or activities listed in the Sports and Activities Optional Coverages unless the applicable optional coverage has been purchased.
Always Carry Your Wallet Card When You Travel!
You must notify the Assistance Centre within 24 hours for any medical emergency!
Don’t Wait! Protect Yourself & Your Family Today.