I liked the fact that I could do it all online and that I could pay a deductible.  My daughter just called and she also took out your insurance to supplement one she already had. She told me that she had to fill out
what drugs she took….I didn’t see anything about that on my form…so wanted to be sure it didn’t affect my coverage…as I take 1/2 blood pressure pill..Coversil.
Please respond to me about this.


Questions clear and easy to understand.  Quote with medical condition very reasonable.

The agent was very helpful and was patient, it's my first time with this company,  when I come back I'll give another review. 

Great experience and awesome help by Amna. She was full of knowledge about this task. So happy to connect with the right person and hopefully with the right company 

Was offered a deal because I wanted to cancel. Told me to call back once my membership lapsed. Called back, no deal. Said the deal wasn't on record.
I guess bait and switch is a tactic they use at CAA.

Agent was great

Kept looking for the best travel insurance appropriate for me.

Blue Cross is incredibly difficult to deal with. Communication is frustrating, responses are slow or unhelpful, and the overall experience feels designed to wear customers down rather than provide support. It’s concerning that a company this large doesn’t allow Google reviews, as transparency and accountability matter, especially in insurance. Based on my experience, I wouldn’t recommend them.


Absolutely awful experience with this company. I booked a horseback riding trip and I bought this insurance. Then, just before my trip, I BROKE MY NECK. I was lucky not to be paralyzed. I was put in a 24/7 fixed neck brace for 8 weeks. I sent all the requisite information to the insurance company. It is 4 months later and I have still not been reimbursed. It is like paying to be abused.  

Note that 2 hours after posting this review, I was fully reimbursed for the trip. I am not sure if that improves my review. I am happy that the contract was honored, but surely a person should not have to post an angry review to get some action on their file. I would recommend that this company be more supportive and responsive to their customers. 

We purchased tugo insurance numerous times for our trips down to USA from Canada with never a claim till February 2025. My wife had to go into the hospital and we started a claim at that time. Tugo have been trying every way to deny our claim. We have done everything that they requested and still they won,t settle the claim. They have thrown it back into our lap and stuck us with the bills without them paying a dime. I would recommend that no one purchase travel insurance through this company

Terrible company. Make the process extremely challenging and you have to pay for the first . Go somewhere else. Shocked that they are allowed to operate in the EU and UK. Avoid!

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