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# 🌍 How Do I Make a Travel Insurance Claim Through KOHO?

If you’ve purchased **travel insurance through KOHO**, your coverage is provided by **TuGo**, a leading Canadian travel insurance provider. Here's how to get started if you need to make a claim:


 
**How the KOHO Travel Claims Process Works:**

1. **Determine what you're claiming for**
    Is it a medical emergency, trip cancellation, lost baggage, or something else?
    
2. **Contact TuGo to Start Your Claim**
---

**Contact Information for Claims:**

###### Emergency Medical Assistance (24/7)

If you are experiencing a medical emergency while travelling, you must contact TuGo immediately:

* **Emergency Hospitalizations:** +1-800-533-8718
*(On mobile: dial “+” by holding down “0”)*
* **Global Toll-Free:** +1-800-663-0399
*(On mobile: dial “+” by holding down “0”)*
* **From Mexico (landlines only):**
001-800-514-9976 or 800-681-8070
* **Worldwide (Collect):** +1-604-278-4108

**Important:**

* Calling from some countries may be difficult due to local restrictions
* Collect calls are accepted, but may not be available in all countries
* If unable to connect, you can call **+1-604-278-4108** directly and request reimbursement

###### Claims Contact (Non-Emergency)

For claims support and inquiries:

* **Phone:** 1-800-663-0399
* **Email:** [claims@tugo.com](mailto:claims@tugo.com)

###### General Travel Insurance Inquiries

For non-claims questions:

* **Phone:** 1-855-929-8846
* **Email:** [info@tugo.com](mailto:info@tugo.com)


TuGo’s claims team will guide you through the steps and send you the appropriate forms.

3. **Gather documentation**
    You’ll need receipts, proof of travel, medical reports (if applicable), and any other supporting documents related to your claim.
    
4. **Submit your claim**
    Follow TuGo’s instructions for submitting your documents. They’ll review your claim and contact you if anything else is needed.


📎 Reference the KOHO Help Article:

For more details, KOHO also outlines the process in their Help Centre:  

👉 [How does the claims process work with travel insurance?](https://help.koho.ca/en/articles/10008069-how-does-the-claims-process-work-with-travel-insurance)