4 Reasons You Need Non-Medical Travel Insurance


As a seasoned traveller, you know how important having peace of mind is while you’re away- that’s why you always make sure you have emergency medical coverage before you leave. But did you know that there are different types of non-medical insurance that can help fill in the gaps of your emergency medical plan?  

Non-medical coverage can help support you through the unexpected—like a flight cancellation, losing your baggage and more. 

In this post, we’ll explore 4 reasons you need non-medical travel insurance. Read on! 

1. Protect your investment from unexpected cancellations or interruptions 

With so many travellers gearing up to take flight as COVID-19 restrictions continue to lift around the globe, some have already experienced frustrating airline delays and cancellations. If you find yourself unable to make it to your destination, Trip Cancellation & Trip Interruption Insurance can help prevent you from losing all the non-refundable deposits you’ve put down for your dream vacation. 

If your travel plans are cancelled before your departure, due to one of the covered risks listed in the policy, you’ll be happy to have coverage with your Trip Cancellation & Trip Interruption Insurance. You’ll also be covered in the event of a delay or if your trip is interrupted while you’re away. 

Tip! Save money with Trip Interruption Insurance
If you’re sure that you won’t cancel your trip, why not save yourself a few extra dollars? Trip Interruption Insurance is an affordable alternative to Trip Cancellation & Trip Interruption Insurance. With Trip Interruption Insurance, you’ll be covered for interruptions or delays, due to one of the covered risks listed in the policy, if your trip is interrupted during your travels.

The best optional add-on coverage for flexibility: Cancel for Any Reason  

TuGo’s Cancel for Any Reason optional coverage is available as an add-on to Trip Cancellation & Trip Interruption Insurance, and is also available to add on to the All Inclusive Holiday Package and the Non-Medical Package. When Cancel for Any Reason coverage is purchased in the 5 days of making the initial payment for your vacation, or before any cancellation penalties from the travel supplier apply, you’ll be able to:  

  • Cancel your trip for any reason not already listed as a covered risk in the policy  
  • Be reimbursed up to 50% of the pre-paid, unused non-refundable travel costs, or up to the sum insured selected before departure which is non-refundable and non-transferable to another date—as long as you cancel your trip more than 5 days before your departure date.

2. “Just in case” coverage for your luggage 

You’ve arrived safe and sound to your destination, but your suitcase is nowhere in sight! If your luggage doesn’t show up, TuGo’s optional Baggage Insurance will cover your lost, damaged, destroyed or stolen baggage and personal effects, anywhere in the world, on water, land or in the air, as long as you remembered to purchase this coverage before you left.  

To help tide you over in case your bags are delayed, this add-on coverage will reimburse you for personal necessities up to the benefit limit. Personal necessities can include things like toothbrushes and deodorant, or other hygiene items. 

3. Peace of mind for your rental car 

One of the best ways to explore off the beaten path is by renting a car. Skip the hassle of standing at the rental counter trying to figure out what type of coverage you need by purchasing it with your travel insurance plan. TuGo offers rental car protection as an optional add-on to a variety of single trip travel insurance plans to protect your rental vehicle against physical damage or loss.  

If you’ve ended up in an unfortunate situation that requires you to tow or salvage your rental car, this coverage will also help cover the cost. 

4. Complement Your Emergency Medical Travel Insurance

While it can be unpleasant to think about, adding Accidental Death & Dismemberment (AD&D) coverage to your travel medical insurance can give you peace of mind in the event of an accident causing death or dismemberment while on your trip. 

Getting non-medical coverage is easier than you think! An experienced travel insurance professional will be able to help you decide which customizations suit you best. 

We hope this article has helped you learn more about the different non-medical insurance options; and as always, make sure you read and understand your travel insurance policy before you leave. If this blog has created more questions for you, we highly recommend that you reach out to your trusted insurance professional and/or TuGo’s Customer Service

Safe travels,


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