What's the difference between Blue Cross, TuGo and Allianz?

Blue Cross is the best-known brand in Canada with a wide network of agents. TuGo stands out for its in-house claims handling and personalized concierge service. Allianz is a global giant that offers very flexible plans with excellent options for multi-destination trips and sports.

Which one offers the best stability clause for pre-existing conditions?

TuGo is generally considered the most flexible on the stability clause, with shorter stability periods (90 or 180 days depending on age and plan) and options for unstable conditions. Blue Cross and Allianz often require 180 days of stability for travellers aged 60 and over.

Which all-inclusive plan offers the best cancellation coverage?

All three insurers offer robust trip cancellation and interruption coverage in their all-inclusive plans. Allianz stands out with its extended list of eligible cancellation reasons (including an optional cancel-for-any-reason add-on). TuGo and Blue Cross offer very solid standard coverage with high limits.

Which is the cheapest for a Snowbird spending the winter in Florida?

Price depends on age, length of stay and declared medical conditions. TuGo and Blue Cross are often the most competitive for long Snowbird stays. The best approach is to compare quotes from all three at the same time — which is exactly what we do for you, free of charge.

Can I get a quote for all three at the same time?

Yes. As an independent broker, we compare the all-inclusive plans of Blue Cross, TuGo, Allianz (and other Canadian insurers) in minutes to present you with the best coverage at the best price, with no brokerage fees.

2026 comparison

Blue Cross vs TuGo vs Allianz

A detailed comparison of the all-inclusive plans from Canada's three most popular travel insurers: medical, cancellation, stability clause and price.

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Shopping for all-inclusive travel insurance and torn between Blue Cross, TuGo and Allianz? These are three of the most requested insurers in Canada — each with its strengths. Here's an honest, down-to-earth comparison based on what we see every day as a broker.

All-inclusive plan comparison table

The values below reflect each insurer's best-selling comparable plans. Exact limits may vary depending on your plan, your age and your destination.

Feature	Blue Cross	TuGo	Allianz
Emergency medical coverage	Up to $5M	Up to $10M	Up to $5M
Stability clause (60 +)	180 days	90 or 180 days (by plan)	180 days
Cancellation & interruption	Included, high limits	Included, up to $25,000	Included + "any reason" option
Baggage	Up to $1,500	Up to $1,500	Up to $2,000
Flight delay	$500	$500	$750
24/7 multilingual assistance	Yes	Yes (in-house)	Yes (global network)
Concierge service	No	Yes (TuGo signature)	On select plans
Mobile app	Yes	Yes	Yes
Brand recognition	★★★★★	★★★★	★★★★★

Which one to choose for your profile?

Blue Cross

The trusted mainstream choice

Travellers who want a familiar brand, a network of agents across Canada and solid, no-surprises coverage.

Strengths: Recognition, simplicity, wide distribution

Note: Less flexible on unstable conditions than TuGo

TuGo

The most flexible — our premium pick

Snowbirds, travellers with stable medical conditions, and anyone who wants a concierge service and in-house claims handling.

Strengths: Flexible stability clause, concierge service, fast processing

Note: Less well known to the general public

Allianz

The global giant

Multi-destination trips, adventure sports, and travellers who want the cancel-for-any-reason option.

Strengths: International network, extensive cancellation options, flexible plans

Note: Sometimes pricier on long stays

The criterion that changes everything: the stability clause

The stability clause is the period during which your medical condition must have stayed unchanged before the trip. A claim denied over the stability clause is one of the most common causes of disputes. This is where the three insurers differ the most.

TuGo often offers 90 days of stability on its premium plans for eligible travellers — one of the shortest in the Canadian market.
Blue Cross and Allianz generally use 180 days for travellers aged 60 and over.
If your medication or dosage has changed recently, that's the first question to ask your broker before you buy.

To go further, read our deep dive on claims denied over the stability clause.

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Rather than choosing blindly, let us compare Blue Cross, TuGo and Allianz for your exact profile. Free quote, no obligation.

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Frequently asked questions

TuGo in detail

Coverage, stability clause, concierge service.

Allianz in detail

Global network, cancellation options, flexible plans.