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TuGo® Sports & Activities Coverage is an optional add-on to TuGo Emergency Medical Insurance that extends your coverage to injuries sustained while participating in adventure sports and high-risk activities. Without this add-on, injuries from the activities listed below are excluded from your standard travel insurance policy. This add-on is underwritten by Industrial Alliance Insurance and Financial Services Inc. and is available through OnVoyage, a licensed insurance broker.
Full policy limitNo separate sub-limit
50% – 1,000%Surcharge range by activity
One surchargePay the highest selected only
Training & competitionBoth covered
How It Works
Your standard TuGo Emergency Medical policy — TuGo Travel Insurance or TuGo Visitors to Canada Insurance — already covers most recreational activities including resort skiing, hiking, swimming, snorkelling, and similar pursuits. For higher-risk activities such as backcountry skiing, rock climbing, or skydiving, you must add Sports & Activities Coverage. Coverage applies while participating in, training, or practicing for a selected sport or activity. Note: coaches, referees, and sports officials do not need to purchase Sports & Activities Coverage — it is required only for participants and trainees.
Key rule: If you select more than one sport or activity, you only pay the surcharge for the highest-rated activity and are covered for all sports selected. You must declare all activities you plan to participate in at the time of purchase.
Coverage
The table below lists all covered sports and activities, their coverage limit, surcharge rate (applied to your base premium), and minimum and maximum premium for the add-on.
| Backcountry skiing/snowboarding |
Policy limit |
200% |
$20 |
$200 |
| BASE jumping |
$500,000 |
400% |
$80 |
$800 |
| Boxing |
Policy limit |
300% |
$30 |
$300 |
Downhill freestyle skiing/snowboarding
in organized competitions |
Policy limit |
250% |
$25 |
$250 |
| Downhill mountain biking |
Policy limit |
300% |
$30 |
$300 |
| Hang gliding/paragliding |
$500,000 |
300% |
$60 |
$600 |
| High risk snowmobiling and motorized snow biking |
$500,000 |
500% |
$100 |
$1,000 |
| Ice climbing |
Policy limit |
250% |
$25 |
$250 |
| Mixed martial arts |
Policy limit |
300% |
$30 |
$300 |
High risk motorized speed activities
- Motorized racing competitions, endurance events or timed activities
- Motocross, dirt biking, and motorcycling (unless the vehicle is solely used for transportation)
|
$500,000 |
1,000% |
$1,000 |
N/A |
Mountaineering up to 6,000 m elevation
Includes ski mountaineering ("skimo") and ice climbing if part of mountaineering |
Policy limit |
150% |
$15 |
$150 |
| Mountaineering over 6,000 m elevation |
Policy limit |
1,000% |
$1,000 |
N/A |
Organized team sports
- American and Canadian football
- Ice hockey
- Rugby
Not required for travelers aged 20 years
and under |
Policy limit |
50% |
$10 |
$100 |
| Parachuting/skydiving/tandem skydiving |
$500,000 |
400% |
$80 |
$800 |
| Rock climbing (includes canyoneering, but does not include climbing indoor or outdoor artificial rock climbing walls) |
Policy limit |
150% |
$15 |
$150 |
| Scuba diving or free diving over 40 meters |
$500,000 |
400% |
$80 |
$800 |
| White water sports — Class VI |
$500,000 |
300% |
$60 |
$600 |
| Wingsuit flying |
$500,000 |
1,000% |
$1,000 |
N/A |
Exclusions
All sports/activities not listed in the Sports & Activities Coverage are covered under the Emergency Medical Insurance plan without purchasing this add-on — with the exception of the following, which are never covered:
- 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
Additionally, the following listed activities are also excluded if participating, training or practicing in any areas that have been closed to public access or can only be accessed by crossing a fenced, gated or roped-off area marked as off-limits by safety authorities — even with Sports & Activities Coverage purchased:
- Backcountry skiing/snowboarding
- Downhill freestyle skiing/snowboarding in organized competitions
- High risk snowmobiling and motorized snow biking
- Ice climbing
- Mountaineering (up to and/or over 6,000 m elevation)
- Rock climbing
How to Purchase Sports & Activities Coverage
Sports & Activities Coverage can be added when you apply for Emergency Medical coverage.
Please follow the steps below:
- Click the BUY ONLINE button below
- On the TuGo Online Quote page, start a quote, then click Get a Quote
- Click Customize in the Emergency Medical section
- Click Sports & Activities Coverage (View Details)
- Select one or multiple activities in the dropdown and assign them to a traveller
Frequently Asked Questions
- Is Sports & Activities Coverage a standalone policy?
- No. It is an optional add-on to a TuGo Emergency Medical Insurance policy — either TuGo Travel Insurance or TuGo Visitors to Canada Insurance. You must hold a base Emergency Medical policy to add it.
- If I select multiple sports, do I pay a surcharge for each?
- No. You only pay the surcharge for the highest-rated activity, and coverage applies to all sports you declared at the time of purchase.
- Does coverage apply during training or only competition?
- Coverage applies while participating in, training for, or practising a selected sport — not only during competition.
- Do coaches and referees need to buy this add-on?
- No. It is required only for participants and trainees. Coaches, referees, and officials do not need to purchase it.
- Does resort skiing require the Sports & Activities add-on?
- No. Standard resort skiing, hiking, swimming, and snorkelling are covered under the base Emergency Medical policy without this add-on. Only activities listed in the coverage table above require it.
- What activities are permanently excluded?
- Rodeo-type activities (barrel racing, bull riding, bronc riding, chariot racing, harness racing, and related events) are never covered regardless of add-on. Certain listed sports are also excluded when performed in areas closed to the public or marked off-limits by safety authorities.
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