At PolicyAdvisor, we have analyzed the best Canadian travel insurance policies to tell you exactly which providers actually deliver when you need them most.

The best travel insurance companies in Canada include Manulife, Allianz, TuGo, MSH International, Travelance, Destination Canada, 21st Century, and GMS. They all rank highly for claim payout ease, customer service availability, direct billing, and competitive premium costs.

We personally reviewed the policy terms, key features, and coverage limits of each provider side-by-side to identify exactly what makes each one stand out.

What is the best travel insurance for Canadians?

Here are the top travel insurance providers in Canada and the specific categories where each company performs best, whether it is comprehensive coverage, affordability, frequent travel, adventure sports, or coverage for pre-existing conditions. We have also included official PolicyAdvisor ratings to help you compare providers more easily.

What does travel insurance cover in Canada?

While specific benefits vary by provider, most travel insurance policies in Canada are divided into three main categories: Emergency Medical, Trip Protection, and Baggage Coverage. Here is a breakdown of the primary benefits included in most top-rated Canadian policies:

• Emergency medical expenses: Covers the cost of hospitalization, surgery, doctor consultations, dental and emergency medications during your trip
• Emergency evacuation and repatriation: Pays for transportation to the nearest medical facility, air ambulance or return to Canada in case of severe illness or injury
• Trip cancellation: Reimburses prepaid travel expenses if you need to cancel your trip due to unexpected events like illness or family emergencies
• Trip interruption: Covers additional costs if your trip is cut short because of unforeseen circumstances
• Trip delays: Provides reimbursement for meals, accommodation, and transportation if your travel plans are delayed beyond a specified time
• Lost, stolen, or delayed baggage: Compensates for lost, stolen, or delayed luggage and essential personal items during travel
• Accidental death and dismemberment: Offers financial protection to you or your beneficiaries in case of serious injury or accidental death during the trip
• Psychological & mental health support: Offers trauma counseling or mental health consultations if a crisis occurs during your trip
• Adventure sports coverage (Optional): Extends protection for high-risk activities like skiing, scuba diving, or mountain biking, often available as an add-on

Detailed reviews of the best travel insurance companies in Canada

According to our licensed insurance experts, the providers below are among the best travel insurance companies in Canada for 2026. We reviewed each provider’s policy features, coverage limits, exclusions, digital support tools, and more to help Canadians find the right travel insurance plan for their needs.

Travel Insurance in Canada: Top recommendations for seniors, families, students, and frequent travelers

To help you find the provider that actually matches your unique situation, we have moved beyond general ratings to highlight the specific category where each company truly leads the market. Use the breakdown below to find the specific protection that fits your next trip.

1. Best travel insurance for Canadian seniors

• Destination Canada: Specialized for senior medical histories, it offers flexible underwriting for chronic conditions and a rare option to reduce the stability period for pre-existing diseases.
• TuGo: A top choice for the oldest travelers, it provides comprehensive emergency medical coverage for applicants up to age 90 and includes a rare rider for unstable conditions.
• 21st Century: Ideal for budget-conscious seniors, its Basic plan has no maximum age limit (covering up to age 111) and features a “disappearing deductible” to lower upfront premium costs.

2. Best travel insurance companies for students

• 21st Century: This is the top choice for international students and working holiday (IEC) visitors because it offers straightforward, no-frills medical coverage specifically designed to meet mandatory entry requirements at an affordable price.
• MSH International: Highly recommended for students on international internships or long-term exchanges through their “Start’Expat” plan, which uniquely includes up to €4,500,000 in third-party liability coverage to protect against accidental damage or injury while abroad.
• Travelance: A great option for students looking for affordable premiums with high medical coverage limits. Its flexible plans, strong emergency medical protection, and simple digital claims process make it especially suitable for students.

3. Best travel insurance companies for families or groups

• Allianz: A good option for families and groups due to its comprehensive trip interruption benefits, fast digital claims support, and flexible multi-trip plans. The Allyz app helps families manage delays, medical emergencies, and travel changes easily while abroad.
• GMS (Group Medical Services): GMS offers a unique benefit where travelers can add up to six dependent children (under age 16) for free to a single-trip emergency medical policy. This makes it often the most affordable policy on the market for families with multiple children.
• TuGo: Highly recommended for active families or groups through its “Family & Friends” plan, which covers two adults and up to six children under one policy at a significant discount. It is particularly strong for families looking to engage in adventure sports.

4. Best travel insurance companies for pre-existing conditions

• Destination Canada: This provider is specifically recognized for its specialized “Destination Snowbird” plans and detailed medical questionnaires that allow for coverage of chronic conditions often excluded by other insurers. 
• Manulife: Offers a specialized “TravelEase” plan designed specifically for travelers who are frequently denied coverage due to their medical history. This plan focuses on covering emergency medical costs directly related to those pre-existing conditions.
• GMS (Group Medical Services): Provides a balanced approach with clear protection for pre-existing medical conditions that have remained stable for at least 180 days prior to the trip.

5. Best travel insurance company for Super Visa applicants

• 21st Century: This is a top-rated choice because of its unique monthly payment plan, which allows families to manage the high upfront cost of a mandatory 365-day policy through installments with only a $50 admin fee. 
• Manulife: A highly reliable option, as their “Visitors to Canada” plans are explicitly designed to be fully Super Visa compliant, meeting all mandatory government requirements for family members arriving in Canada.
• MSH International: This provider is ideal for older relatives as their Super Visa plans have no maximum age limit, providing essential flexibility for families bringing over elderly parents or grandparents who might be restricted by other insurers.

6. Best travel insurance company for frequent travellers

• Allianz: Explicitly designated as the premier choice for frequent business travelers, it offers flexible annual multi-trip plans with duration options ranging from 8 to 90 days and features a digital concierge app for real-time updates and virtual medical consultations.
• GMS (Group Medical Services): A great option for frequent leisure travelers because of its flexible annual multi-trip coverage, bundled trip cancellation savings, and balanced medical and non-medical protection.
• Manulife: The company offers annual multi-trip plans with elite medical coverage limits of up to $10 million and specialized protection for non-medical disruptions like baggage loss and trip delays.

What is the cost of travel insurance in Canada?

For a 30-day trip with $100,000 in emergency medical coverage, travel medical insurance costs generally range from $70 to $280 in Canada. Younger travelers in good health tend to pay closer to $70–$100, while older individuals or those requiring pre-existing condition coverage may pay between $180–$280.

The cost generally depends on several key factors, including the traveler’s age, medical history, duration of travel, and whether coverage for pre-existing conditions is needed.

Cost of travel insurance in Canada:

*Illustrative rates for a traveller seeking $100,000 in coverage for a 30-day trip

What are the most common travel insurance claims in Canada?

The most common question our insurance advisors get is: “Is the cost of travel insurance actually worth it?” When you look at the actual cost of medical care for uninsured visitors or out-of-province travelers, the answer is a definitive yes. Here’s a general idea of the most common claims made while travelling and their approximate costs:

• Heart Conditions (Heart Attack/Irregular Heartbeat): Approximately $46,000 for stabilization and acute care.
• Stroke & Neurological Emergencies: Approximately $51,000 including initial diagnostic imaging and hospital stay.
• Gallbladder Issues (Infections/Gallstones): Approximately $51,000 for emergency surgical intervention.
• Neurological Emergencies (Seizures/Severe Migraines): Approximately $37,000 for ER stabilization and testing.
• Diabetes-Related Emergencies: Can cost up to $80,000 depending on the length of the ICU stay.

How to choose the best travel insurance plan in Canada?

Choosing the best travel health insurance in Canada can be overwhelming, but understanding your travel needs and the coverage options available is key. Here are some tips to help guide your decision:

• Assess your travel needs: Consider factors like the destination, trip duration, and the activities you’ll engage in. If you’re visiting a country with high medical costs, opt for high-limit plans from providers like Manulife or Allianz.
• Consider your health history: If you have pre-existing conditions, look for insurance policies that cover them, such as those offered by TuGo or Destination Canada, which offer riders to cover unstable conditions or reduced stability periods.
• Compare coverage options: Check the coverage limits for emergency medical, trip cancellation, and baggage loss. Some plans might offer additional perks like trip interruption coverage or adventure sports protection.
• Decide between single-trip or annual multi-trip: Single trip is best if you travel once a year. If you plan on traveling two or more times (even for short cross-border trips), an annual plan is almost always more cost-effective. Providers like GMS offer flexible annual durations that provide “always-on” protection.
• Look for digital tools: Look for plans that offer 24/7 virtual doctor access (standard with Allianz and GMS), digital claims, and perks for flight delays (Available through TuGo).
• Consult with a travel insurance advisor: It can be beneficial to consult with an insurance advisor, like those at PolicyAdvisor, who can help you compare plans and find the best coverage suited to your specific needs.

Can I get travel insurance for a last-minute trip?

Yes, you can purchase travel health insurance right up until the moment of your departure, and in some rare cases, even after you have left. However, for the best protection, you should purchase coverage as soon as you book your trip. If you’ve already left your home province, look for Destination Canada or TuGo, as they are among the few providers that offer “post-departure” policies.

Can I cancel or modify my travel insurance policy if my plans change?

Yes, many Canadian insurers offer a “10-day free look” period where you can cancel for a full refund, provided you haven’t started your trip or filed a claim. After this window, modifications, such as changing your travel dates or destination may result in a premium adjustment.

How can I find cheaper travel insurance in Canada?

The most effective way to find affordable travel insurance is to compare quotes from multiple providers through PolicyAdvisor. Another tip is to opt for a higher deductible to lower your upfront premium.

Does travel insurance cover flight cancellations due to weather?

Yes, weather-related cancellations are covered if your policy includes “Trip Cancellation and Interruption” benefits and the weather event was unforeseen. Standard “Emergency Medical-only” plans do not cover flight disruptions. If you are traveling during hurricane or winter storm season, prioritize an “All-Inclusive” bundle from GMS or Manulife to ensure both your health and your travel investment are protected.

Travel insurance isn’t something most of us think about when we are booking flights or planning itineraries. But one unexpected hospital visit, a cancelled trip, or lost baggage can quickly turn an exciting getaway into a financial headache.

Here’s how Sun Life’s travel insurance (underwritten by TuGo) helps you protect the trip, and your wallet.

How much does Sun Life travel insurance cost?

Travel insurance costs are not standard or fixed. They are influenced by multiple factors.

• Your travel destination
• The length of your trip
• Your age and health profile 
• The type and level of coverage you need
• The benefits or add-ons you want included

Because pricing depends on a combination of age, destination, trip length, insured trip cost, and selected benefits, the only way to know your exact premium is to obtain a personalized quote through Sun Life.

The rules for medical plans in Canada’s other provinces and territories differ slightly but are generally the same. Check with your region’s territorial health authority to see what rules you need to follow to retain your provincial or territorial health plan status before you leave for your trip.

Many Canadians mistakenly believe that provincial healthcare covers all medical services across provinces. However, each province decides what it insures, how much it pays, and what it excludes. The most common misconception is that a valid provincial health card equals complete protection anywhere in the country.

While interprovincial reciprocal billing agreements cover medically necessary hospital and physician services at each province’s rates, they do not guarantee full reimbursement of costs above those rates. They also do not include many of the services travellers rely on during emergencies.

Reciprocal billing covers only insured hospital and physician services; it excludes transportation, paramedic services, and outpatient prescription drugs. This is where most Canadians encounter unexpected bills.

Across Canada, the following are typically not covered when received outside your home province:

• Ground ambulance
• Air ambulance and medical evacuation
• Outpatient prescription drugs
• Paramedic care outside hospitals
• Private clinics and diagnostic centres
• Semi-private and private hospital rooms

These gaps were brought to light by a recent domestic travel case that prompted many Canadians to rethink the risks of travelling between provinces.

The case that changed how travellers think: The $12,483 air ambulance bill in Alberta

Medical emergencies during domestic travel often expose gaps Canadians never think about. This case is a clear example of how reciprocal billing works and what it does not cover.

• The traveller from Oakville, Ontario experienced chest pains while driving through Saskatchewan and sought help after entering Alberta
• Tests at the Medicine Hat hospital confirmed he had a mild heart attack
• He required specialized cardiac care and was airlifted to Calgary. Hospital staff told him he was “covered”
• Weeks later he received a $12,483 invoice from Alberta Health Services for the air ambulance transport
• Alberta billed him directly because air ambulances are excluded from interprovincial reciprocal agreements. Ontario cannot pay that invoice under OHIP, so the patient becomes responsible

What surprised him and most travellers:

• He had a valid OHIP card
• He was travelling inside Canada
• He was told he was covered
• He was still billed more than $12,000 

This happened because reciprocal billing covers insured hospital services only. Ambulance transport, especially air ambulance, is not included.

Why you need travel insurance for trips within Canada

Domestic trips may feel low risk, but the financial exposure from non insured medical services can be substantial. Travel insurance provides protection where provincial plans fall short and ensures that emergency care and transport are covered. It remains one of the most cost effective safeguards for anyone travelling within Canada.

• Repatriation coverage: Travel medical insurance covers emergency air transport and medical evacuation that provincial plans do not insure
• Coverage for non insured medical services: This includes prescription drugs, medical equipment, private duty nursing and emergency dental care
• Direct billing and 24-hour assistance: Travel insurers coordinate care and billing on your behalf. This reduces stress during emergencies and prevents delays in treatment
• High coverage limits: Most Canadian travel insurance providers offer emergency medical coverage up to $5 million, which is more than enough to cover medical transport and emergency treatment anywhere in the country

What does provincial health insurance cover when you travel within Canada

Before travelling within Canada, even for a short weekend trip, it’s important to understand how far your provincial health plan actually goes. While provinces have reciprocal billing agreements for essential care, these agreements do not guarantee full coverage. Many of the most expensive services Canadians face when travelling are not included.

Does OHIP or provincial health insurance cover ambulance services when you travel across provinces?

Ambulance coverage is one of the least understood parts of travelling within Canada. Hospital and physician services follow reciprocal agreements, but ambulance transport does not. Every province sets its own fees and rules, which means most out-of-province travellers are billed directly even in a true medical emergency.

Why ambulance coverage varies

Under the Canada Health Act, provinces must insure medically necessary hospital and physician services. Ambulance transport is not a required insured benefit.
As a result:

• Each province sets its own ambulance fees, policies and non-resident surcharges
• Reciprocal billing manuals across Canada explicitly exclude ambulance services
• Out-of-province travellers are billed by the province where the emergency happens, not their home plan

Should I buy travel insurance for prescription coverage?

Yes, prescription drugs dispensed outside a hospital in another province are usually not covered by your home provincial plan.

Key reasons prescription travel coverage matters:

• Provincial drug programs are residency-based, not portable
• Out-of-province pharmacies do not bill your home plan
• Emergency short-term prescriptions, antibiotics, pain medication, and chronic condition refills all become out-of-pocket
• Specialty drugs can cost thousands per dose

A Canada-only travel medical policy typically reimburses:

• Emergency outpatient prescriptions
• Short-term refills for chronic conditions
• Dispensing fees and emergency supply surcharges

This is one of the most frequently claimed benefits under domestic travel medical insurance.

How to get reimbursement for private hospital fees while in another province?

In most cases, you cannot obtain provincial reimbursement for private hospital or clinic fees, even if care was medically necessary.

What happens if you seek treatment at a private hospital in another province:

• Private facility bills you directly
• Your provincial plan declines the claim
• You remain personally responsible unless you have travel insurance

Why reimbursement is usually denied:

• Private hospitals and surgical centres operate outside the public insurance system
• Interprovincial agreements only apply to publicly funded hospitals
• Even emergency admission to a private facility does not force provincial recovery

If you do have travel medical insurance, reimbursement typically works as follows:

• Insurer pays the private facility directly (where possible), or
• You submit invoices and are reimbursed based on policy limits and medical necessity

Without travel insurance, private hospital charges remain fully uninsured regardless of medical urgency.

Do I need travel insurance to visit another province in Canada?

Yes. Your provincial health plan does not cover all services in other provinces, especially ambulance and evacuation.

Is an ambulance free in Canada if I have a health card?

No. Ambulance services are not required to insure benefits. Many provinces charge user fees or full cost to non-residents.

Does OHIP cover ambulances in other provinces?

Generally, OHIP does not insure air or road ambulances outside Ontario except for very limited inter-facility transfers.

Do air ambulances and medevac get covered across provinces?

No, air ambulance and medevac services are generally not covered under interprovincial agreements. Some provinces provide limited domestic coordination for transfers between public hospitals, but coverage is inconsistent and never guaranteed for emergency retrieval, private aircraft, or long-distance repatriation.

Typical patient exposure includes:

• Helicopter evacuation from rural areas
• Fixed-wing air ambulance between provinces
• Medical escorts during transport

These services are treated as uninsured transportation, not insured healthcare. This is why travel medical policies place air ambulances as a core benefit, often with limits between $100,000 and $500,000.

Travel insurance offers several different types of protection to Canadians leaving the country. For example, if you have a medical emergency while travelling, travel insurance will cover the cost of your treatment. Additionally, if you need to cancel your trip due to an emergency, some travel insurance policies can reimburse you for any non-refundable expenses.

While travel insurance is not required by law in Canada, it is highly recommended, as the cost of medical emergencies and other unforeseen events can be very expensive when you are outside of your home country. Therefore, making insurance part of your travel plans can give you peace of mind while you are away.

What is travel insurance?

Travel insurance is a type of insurance that helps to cover the cost of medical care if you become sick or injured while travelling. It can also protect you from financial loss if you have to cancel or interrupt your trip.

What are the different types of travel insurance?

Canadians leaving the country or their home province have the option of getting two main types of travel insurance: travel medical insurance and trip cancellation/interruption insurance.

Travel medical insurance

Travel medical insurance can help to cover the cost of medical care if you become sick or injured while travelling. It can also help to cover the cost of travel if you need to be transported to a hospital in another country. This emergency medical coverage is the most common type of travel insurance. It can sometimes be referred to as travel accident insurance or travel health insurance.

Trip interruption and trip cancellation insurance

Trip cancellation and trip interruption insurance offer financial protection by reimbursing you for the cost of your trip if you’re forced to cancel or cut it short due to unexpected circumstances. These situations could range from illness or severe weather to issues like lost baggage or transportation delays, which may disrupt your travel plans.

In many cases, insurance providers offer comprehensive travel insurance policies that combine both trip cancellation and interruption coverage, providing a broader safety net to ensure you’re protected against a wide range of potential travel setbacks.

Super Visa insurance

Super Visa insurance is a mandatory medical insurance requirement for individuals applying for a Canadian Super Visa, which allows parents and grandparents of Canadian citizens or permanent residents to visit Canada for extended periods.

This insurance is valid for at least one year and provides a minimum coverage of $100,000. It covers any form of emergency healthcare, hospitalization, and repatriation expenses. Super Visa insurance ensures that visitors are protected against medical emergencies during their stay in Canada.

Visitors to Canada insurance

Visitors to Canada insurance is designed to provide coverage for unexpected medical expenses incurred by travelers during their visit to Canada. It helps protect against the high cost of healthcare services in the country, covering emergencies such as hospitalization, doctor visits, ambulance services, and prescription medications.
This insurance is essential for tourists, immigrants, those visiting family, and even returning Canadians, ensuring that they are financially protected in case of illness or accidents during their stay in Canada.

International students insurance

International students insurance is a specialized health insurance plan designed to cover medical expenses for students studying abroad. This insurance typically includes coverage for doctor visits, hospitalization, emergency medical treatments, and prescription medications.

It helps protect international students from the high cost of healthcare in Canada, ensuring they receive necessary medical care without financial strain.

Foreign workers insurance

Foreign workers insurance in Canada is a health insurance plan designed to provide medical coverage for foreign individuals working in Canada. It offers protection against the high cost of healthcare services, covering essential medical expenses and hospitalizations.

This insurance ensures that foreign workers can access necessary healthcare while living and working in Canada, helping them avoid significant out-of-pocket expenses in the event of illness or injury.

Why should Canadians make travel insurance part of their travel plans?

If you plan to travel outside Canada ‒ even for a single day ‒ you should buy travel health insurance before your trip or vacation.

There are a number of risks you face when travelling, and travel insurance can help protect you from financial loss in the event of an emergency. If you need medical assistance while abroad, travel insurance can help cover the cost of your medical bills and care. And if your trip is cancelled or interrupted, travel insurance can reimburse you for non-refundable expenses.

Travel insurance is an important consideration for any trip, and it’s especially important if you’re travelling to a country with high medical costs or risks.

Where can you get travel insurance in Canada?

Canadians can obtain travel insurance for a trip away from Canada through several different avenues, including travel agents, group insurance providers, credit cards and insurance brokers.

• Travel agent: The travel agent through which you booked your trip may have access to travel insurance plans as well. Most travel agents deal with a single provider so they don’t typically offer the most choice of plans.
• Employee or group insurance provider: Your group benefits provider may offer the ability to purchase additional travel insurance through your group plan. Again, one downside to this approach is you are unable to compare the prices and plans of different carriers.
• Credit card coverage: If you booked your trip on your credit card, you may also be entitled to some insurance coverage. Check the details of the policy before your trip so that you know of any limitations to your coverage. You typically cannot buy supplementary travel insurance through this plan, as it is an added benefit of your credit card agreement. Learn more about credit card travel insurance and its limited coverage.
• Insurance broker: An insurance broker (like PolicyAdvisor) can present you with several different choices of policies, providers, and premiums so that you can choose the coverage that would best suit your trip and budget. They can also offer insight into the claims process and guide you to which company would work best for the type of vacation or travel away from Canada you plan on making.

What should travel medical insurance cover for trips outside Canada?

No matter where in the world you are travelling, there are 3 basic medical expenses your travel health insurance policy should always cover: medical evacuation from your travel destination if required, coverage for any pre-existing conditions you have, and repatriation (covering the cost of transporting your remains should you pass away during your trip).

Every travel medical insurance policy is unique, as one has many options when applying for coverage.

Most travel medical insurance policies typically cover:

• Emergency medical treatment for illness or injury
• Prescription medications
• Emergency dental treatment services
• Essential medical equipment (crutches, wheelchairs, slings, braces, etc.)
• X-rays and other diagnostic laboratory procedures (bloodwork, ultrasounds, etc.)
• Required ground, air or sea ambulance services
• Follow-up post-medical appointments with health care providers
• Medical evacuation
• Ambulance travel to the nearest hospital
• Meal expenses and accommodations while waiting for medical care

What’s not covered in a travel insurance policy in Canada?

Travel insurance policies in Canada typically exclude coverage for certain situations such as having unstable pre-existing conditions, chronic or terminal illnesses, participating in high-risk activities, opting for elective treatment and more.

• Pre-existing medical conditions: Any condition that has remained unstable or required treatment within 3-6 months of the effective date of travel
• Complex medical conditions for older individuals: People above the age of 55 who have chronic cardiovascular or pulmonary conditions, have undergone organ transplants or have been diagnosed with cancer will not be covered
• High-risk activities: Injuries from adventure sports such as skydiving, scuba diving and more may not be covered unless you buy additional coverage
• Travel to high-risk destinations: Countries with travel advisories or war zones may not be covered for claims related to incidents in those areas

Does travel insurance cover pre-existing conditions?

Most travel medical insurance policies do not cover a pre-existing medical condition by default. One should always check the wording on their policy to see if a pre-existing medical condition may or may not be covered during trips outside of Canada.

In some cases, if you have shown no symptoms or diagnosis of a pre-existing medical condition for 180 days prior to the effective date of the policy and have not had treatment for the condition during that time, it will not be considered a pre-existing condition during your coverage period.

Some conditions may get excluded from your travel medical insurance coverage during the underwriting process. A pre-existing condition exclusion could include:

• cancer
• heart disease
• diabetes
• high blood pressure
• pregnancy

They can also include relatively mild conditions for which you have taken prescription medication such as:

• sleep apnea
• anxiety and/or depression
• bipolar disorder 
• other mental health conditions

Insurance providers will look at the specific state of your illness or condition to evaluate the risk associated with the pre-existing condition. They then make their decision accordingly for your travel insurance plan.

Some providers offer policies that will cover pre-existing conditions, though the premium will be higher to compensate for the added risk.

One should request an explanation of the limitations and restrictions on any pre-existing medical condition, tests, and treatments they may have had.

How do I ensure I keep my universal public health insurance if I am taking a trip outside of Canada?

Depending on the length of your trip and the province or territory you call home, a long absence from Canada can result in your universal public health coverage lapsing.

For instance, for Ontario residents, if one plans to be outside Canada for more than 6 months, your Ontario Health Insurance Plan (OHIP) can lapse and you won’t regain your coverage until after you’ve spent several consecutive months in Ontario.

To ensure one retains OHIP status, they need to:

• Have a valid health card
• Make Ontario your primary residence
• Be physically in the province of Ontario for 153 days a year in the two years preceding your time away from Canada

The rules for medical plans in Canada’s other provinces and territories differ slightly but are generally the same. Check with your region’s territorial health authority to see what rules you need to follow to retain your provincial or territorial health plan status before you leave for your trip.

Which is the best travel insurance company?

There are several top travel insurance companies such as Manulife, Blue Cross, GMS, TuGo, Allianz, and more. They offer competitive travel insurance policies with lucrative benefits and comprehensive coverage. Check them out in detail below:

Manulife

• Up to $10,000,000 CAD in coverage up to age 85+
• Several different plans for trips outside Canada or lower-cost options for trips within the country
• Robust options for multi-trip plan policies
• Can include Emergency Medical Insurance, Baggage Loss, Damage & Delay, Flight Accidents and Travel Accidents, and added discounts for a travel companion

TuGo

• A Canadian travel insurance brand managed by iA Financial Group
• Does not require medical underwriting until age 60
• Offers Emergency Medical Insurance, Trip Cancellation & Trip Interruption Insurance, Accidental Death & Dismemberment Insurance, Non-Medical Packages, All-Inclusive Holiday Packages, and more options within those categories

Group Medical Services (GMS)

• Offers up to $5,000,000 CAD in coverage and up to $500,000 for COVID-related emergency medical expenses
• 24/7 worldwide support available in several different languages.
• Direct payments: GMS can directly pay service providers instead of you paying out of pocket
• Virtual medical services available for minor emergencies that don’t require in-person care

Allianz Global Assistance

• Allianz Global Assistance is one of the world’s largest travel insurers
• Largest network of global medical providers
• Can help you navigate healthcare options in several different geographic locations
• Offers up to $10,000,000 CAD in coverage

MSH International

• Canuck Voyage travel plan offers up to $7,000,000 CAD in coverage up to the age of 79
• Different plan options for visiting the US, international destinations, and within Canada
• Discounts for travel companion
• Partial refunds possible if you decide to voluntarily cut your trip short

Destination Canada

• Annual, Multi-Trip, and Daily Rated Plans available
• Up to $5,000,000 CAD in coverage up to the age of 74
• Accommodates return of vehicle for trips taken over Canada’s land borders.

How much does travel insurance cost in Canada?

The cost of travel insurance in Canada typically ranges from 4% to 12% of the total trip cost. This can depend on various factors such as the length of the trip, the age of the traveler, and the type of coverage selected.

Factors affecting the cost of travel insurance in Canada

• Trip cost: The higher your trip is worth, the higher the insurance premium. This occurs due to a greater potential for claims in these trips
• Traveler’s age: Older travelers generally face higher premiums. For instance, a 60-year-old may pay around $362, while a 70-year-old could pay approximately $508
• Coverage type: Comprehensive plans that offer broader protection tend to cost more than basic plans. A basic plan for a $2,500 trip might start at $75, while a more comprehensive plan could go up to $170
• Destination and duration: Traveling to higher-risk destinations or for longer periods often leads to increased premiums

Who needs travel insurance?

Besides vacationers leaving Canada for trips abroad, some specific groups also require travel insurance, which may include students, athletes, and retired Canadians.

Students

Students attending school outside the country may need the protection of a travel medical insurance policy. Many colleges and universities (and student unions) provide access to extended medical care through their group benefit plans. However, this coverage is sometimes only in effect during the school year or fails to offer the same protection as an independently owned policy you can secure before leaving Canada.

Athletes

Amateur athletes leaving Canada for competitions or training should also secure an independent medical plan for the duration of their trip.

Snowbirds

Snowbirds are typically retired Canadians who spent the cold winter months abroad, or at the very least outside their home province. They should also ensure they have financial protection secured for the duration of their trip given the higher risk for medical emergencies at their age.

How to choose the best travel insurance policy in Canada?

Choosing the best travel insurance policy requires evaluating several key factors such as evaluating coverage needs, checking limitations, comparing various providers and more to ensure the coverage meets your specific needs.

• Evaluate coverage needs: Ensure the policy includes sufficient emergency medical, trip cancellation, and baggage protection based on your travel risks
• Check policy limits and exclusions: Review the coverage limits for medical expenses and trip cancellations, and understand what is not covered by the policy
• Choose between single-trip or multi-trip: Select single-trip insurance for one-time vacations or multi-trip insurance for frequent travelers
• Compare various providers: Get quotes from top Canadian insurers like Manulife, Allianz, TuGo, and Blue Cross to find the best value
• Assess customer service and claims process: Opt for providers with reliable 24/7 support and an easy claims process for emergencies

How to file a travel insurance claim?

If you’re looking to file a travel insurance claim, start by notifying your insurance provider as soon as possible. Fill up the claim form and attach all important documents to justify your claim before submitting.

• Notify your insurance provider as soon as possible, especially for medical emergencies that may require pre-approval
• Gather required documents, including medical reports, hospital bills, proof of payment, flight tickets, cancellation notices, and baggage loss reports
• Complete the claim form with accurate details and attach all necessary documents
• Submit your claim through the insurer’s online portal, email, or mail, following their instructions
• Follow up on your claim to check processing times and provide any additional information if requested

Frequently Asked Questions

Do I need travel insurance coverage for trips inside Canada?

Yes, as government health insurance plans vary among the provinces and may not provide emergency return home benefits, you should consider travel accident insurance for trips both inside and outside of Canada.

To protect yourself from any unexpected medical emergency, illnesses, or injuries, you should always buy additional health insurance coverage for emergency medical even when you’re travelling within Canada.

What is the average cost of travel insurance in Canada?

A rule of thumb is travel insurance should typically cost 5% of your trip. Of course, these costs can elevate for extended stays outside of Canada, such as a long vacation, or if you are studying abroad or working for an extended period in another country.

The cost of travel insurance is determined by many variable factors including the type of insurance you purchase, your age, the duration of the trip, and the amount of coverage you are getting.

Can Canadians get travel insurance coverage for trips to the USA?

Yes, trips to the United States of America are one of the most common reasons Canadians purchase travel insurance. If you’re planning a trip to the US, travel insurance is a good idea. While the country has excellent medical facilities, travel medical insurance can help cover the cost of an unexpected medical emergency.

Can I get travel insurance after I have left Canada?

Yes, it is definitely possible to find travel insurance options once you’ve left Canada. However, there may be exclusions on your plan.

Policies purchased after the start of a trip generally won’t take effect until 48 hours after you buy them. The waiting period is designed to prevent someone from purchasing and utilizing a policy after they have been injured or hospitalized with an illness.

Does travel insurance include COVID-19 coverage?

Most travel insurance policies cover aspects of medical emergencies and setbacks that may arise if you contract COVID-19 during your trip. This can include the cost of quarantining after contracting the virus or the cost of cancelling a trip because one has contracted COVID.

With that in mind, each policy is different and you should examine your policy documents before you make any assumptions about the virus’ effect on the trip that you are covered for.

Should I buy an individual policy for each trip I have planned or an annual travel policy?

If you travel outside of Canada often (more than twice per year) it may be worthwhile to purchase an annual travel policy. Many of the providers we partner with offer annual options for their travel medical insurance policies that grant policies for unlimited trips during the coverage time period. Speak with our advisors to see if an annual travel insurance policy makes sense for your plans.

Can a travel advisory affect my travel insurance?

Typically, travelling from Canada to a destination that has a travel advisory will not be covered by travel insurance if the advisory is in place before you depart. If an advisory is placed by Health Canada or other governmental departments after you’ve arrived at your destination, your coverage will be intact.

Having family come to see you in Canada from abroad can be exciting, especially if you haven’t seen them in a long time. The last thing you’d want is for your family members to incur costly and unexpected expenses during their visit.

People can forget about this during the excitement of travelling, but it’s important that your guests have adequate insurance coverage for their trip before they hop on a plane. You can help them out by making sure they have the travel insurance plan they need.

Can I buy insurance for my visiting parents?

Yes, you can buy insurance for parents visiting Canada or for anyone else coming to see you. A lot of people do this to make sure that the people coming to visit won’t have to pay extra, unexpected costs in the event of an emergency. And most travel insurance plans are so affordable that it’s well worth the peace of mind.

Why should I buy travel insurance for my parents? 

Travel insurance is an easy, affordable way to make sure your parents don’t have to pay out of pocket for any unexpected issues that may happen when they come to see you in Canada. It’s a way for you to help give them financial protection and ensure they enjoy their trip with peace of mind.

A major reason to get travel insurance for visitors to Canada is to cover unexpected healthcare. A lot of people say that Canada has “free healthcare”, but that’s not true. Visitors aren’t covered by Canadian government health insurance plans. If your parents need to see a doctor while they’re here, they could be stuck paying a huge medical bill. A visitors health insurance plan, or travel medical insurance, helps them avoid that. Other types of travel insurance also help make sure they don’t have to pay for things like flight delays or baggage issues.

Buying travel insurance is always a good idea if you are visiting another country. But does it provide sufficient coverage for athletes travelling for sporting events? The answer varies depending on the type of sporting event and whether the event is sanctioned.

In this article, we look at common exclusions in traditional travel insurance — like extreme sports — and why athlete travel insurance could be a better option.

Does Canada’s healthcare program cover visitors?

If you are travelling to Canada from abroad, the country’s healthcare program will not provide you with coverage. Each province has its own healthcare system that offers many free services to Canadian citizens and permanent residents. If you are a traveller in Canada, you will be treated and receive care in a medical emergency, but the costs of this care will not be paid by the healthcare system.

For this reason, it is a good idea to protect yourself with travel health insurance for visitors will cover the costs associated with emergency medical care, including prescription medication, hospitalization, and emergency transportation (like land or air ambulance services).

What is athlete travel insurance?

Athlete travel insurance policies are similar to traditional travel policies, only they can be broader in scope, providing coverage for specific sporting activities. This type of insurance takes into account the health and safety risks of certain sports and may consequently have higher premiums. Athlete travel insurance can also provide coverage for sporting competitions as well as coverage for lost or stolen luggage and trip cancellation.

For this type of plan, it is vital you disclose all the activities you plan to participate in. If you sustain an injury playing a sport not covered under your travel plan, medical payments will have to be made out of pocket.

Where can you get travel insurance in Canada?

You have several different options for purchasing travel insurance:

• Travel agent: The travel agent through which you booked your trip may have access to travel insurance plans. But most travel agents deal with a single provider, so they don’t typically offer the most choice of plans.
• Employee or group insurance provider: Your group benefits provider may offer the ability to purchase additional travel insurance through your group plan. Again, one downside to this approach is you are unable to compare the prices and plans of different carriers.
• Credit card coverage: If you booked your trip on your credit card, you may also be entitled to some insurance coverage. Check the details of the policy before your trip so that you know of any limitations to your coverage. You typically cannot buy supplementary travel insurance through this plan, as it is an added benefit of your credit card agreement.
• Insurance broker: An insurance broker (like PolicyAdvisor) can present you with several different choices of policies, providers, and premiums so that you can choose the coverage that would best suit your trip and budget. They can also offer insight into the claims process and guide you to which company would work best for the type of vacation or travel away from Canada you plan on making.

Why do athletes need special travel insurance?

Athletes need specialized travel insurance because their activities involve higher risks, such as injuries during training or competitions, which are often not covered by standard policies. Athlete travel insurance provides tailored coverage for medical emergencies, equipment loss or damage, trip cancellations, and even liability issues related to sporting events. 

It ensures athletes are protected financially while traveling for sports, allowing them to focus on their performance without worrying about any unforeseen accidents or injuries.

What are the key benefits of athlete travel insurance?

Getting athlete travel insurance can have several benefits including coverage for sports-related injuries, emergency medical evacuation, loss or damage of equipment, trip cancellation, and more. Find out more below: 

• Coverage for sports-related injuries: Offers protection against injuries sustained during training, competitions, or recreational sports
• Equipment loss or damage: Provides coverage for lost, stolen, or damaged sports equipment during travel
• Tailored coverage for high-risk sports: Specifically designed to cover extreme or high-risk sports that standard travel insurance might exclude
• Emergency medical evacuation: Ensures quick transport to medical facilities in case of serious injuries or medical emergencies
• Trip cancellation or interruption: Protects against financial loss due to trip cancellations or interruptions, especially for event-based travel
• Liability protection: Covers legal costs in case of accidental injuries to others or property damage during sports activities

Does travel insurance cover international athletes travelling to Canada for sporting activities?

For some athletes, a traditional travel policy may be enough to cover their needs while in Canada for a sporting activity. For instance, if you decide to participate in a running event while on holiday in Canada or play basketball for leisure, a standard insurance plan should cover the costs of any medical care if you are injured.

But other sports — including extreme sports and contact sports — may not be covered by a conventional travel insurance plan. This is because they come with a higher risk of accident or injury.

Additionally, traditional travel insurance rarely covers athletes travelling to Canada for a paid sporting competition. In other words, if there are monetary prizes to be won in your sporting activity, traditional travel insurance will rarely cover the risk. A professional athlete who is paid for their sport may also have to deal with certain policy exclusions.

In these cases, you will require specialized coverage designed for athletes, which includes broader coverage and often higher premiums.

Does a Canadian athlete travelling to another province for a sporting competition need insurance?

Canadian athletes travelling within Canada for a sporting competition do not necessarily require travel medical insurance. Under the Canada Health Act, all Canadian citizens can receive medical services across the country if they are considered necessary.

That being said, provincial health plans (like OHIP in Ontario) do have limits, and not all costs will necessarily be reimbursed. For example, provincial healthcare may not fully pay for ambulance services or transportation, medical devices, prescription drugs, emergency dental care, or a medical evacuation flight if needed.

It can therefore be helpful to buy additional travel insurance when travelling within Canada. This insurance can cover emergency medical bills not covered by a government health insurance plan, as well as provide protection should something happen to your baggage or sporting equipment or if your trip is cancelled.

However, as with all insurance policies, it is critical to read the fine print as some insurance companies will have exclusions based on sporting competitions. In some instances, insurance companies will actually refuse to pay out claims for injuries that result from training for or participating in professional sporting activities.

If ever in doubt, speak with your insurance provider or one of our expert advisors for help with making sure you have the right coverage for your specific needs.

Does travel insurance cover extreme sports?

Travel insurance plans have different coverage criteria when it comes to athletic activities and especially extreme sports. Coverage comes down to a few factors: the insurance provider, where you are playing the sport, whether specialized equipment is needed, and what the sport is.

Some insurance companies do offer optional coverage for extreme sports to an extent and at an additional cost. Exactly how much more extreme or “adventure” sports coverage will cost you depends on the sport and whether your insurance is for a single trip or multi-trip, annual plan, among other factors.

Where can athletes get travel insurance in Canada?

Athletes and sportspersons in Canada can get specialized travel insurance from providers such as Manulife, Allianz, TuGo, and Blue Cross.

• Manulife: Offers comprehensive travel insurance, including coverage for sports injuries and high-risk activities
• Allianz Global Assistance: Provides travel insurance plans that can be customized for athletes, covering medical emergencies and sports equipment
• TuGo: Known for its flexible travel insurance options, including coverage for adventurous and professional athletes
• Blue Cross Canada: Offers travel insurance with specific coverage for athletes participating in amateur or professional sports

Does travel insurance cover training injuries for athletes and sports players?

Yes, travel insurance can cover training injuries for athletes, but this depends on the type of policy selected. Standard travel insurance often excludes coverage for injuries incurred during high-risk or professional sports activities. 

However, specialized travel insurance designed for athletes typically includes coverage for injuries sustained during training sessions. This type of policy ensures that athletes are financially protected from medical expenses related to their sports training while traveling.

Some insurers may have exclusions for extreme or high-risk sports, or they might offer additional riders to cover such activities. Athletes should choose a policy that offers comprehensive protection for injuries, emergency medical treatment, and even equipment loss.

Does athlete travel insurance cover athletes participating in a non-sanctioned sporting event?

In Canada, many athlete travel insurance policies will only provide coverage for sanctioned sporting events. Sanctioned sporting events are organized by an authorized group and have been formally approved by regulatory bodies. It is therefore important to check the policy’s fine print if you plan to participate in a non-sanctioned sporting event.

In some cases, sanctioned sporting events and authorized sporting associations will themselves provide insurance coverage to athletes if they are injured during an event. For example, professional athletes can often receive insurance coverage through their sanctioned professional associations.

While most travellers can benefit from some form of travel insurance, those who require extra coverage — like athletes or snowbirds — should pay particular care to make sure they have enough coverage for their needs.

If you need to make sure your plan covers you, or just need guidance on what’s available for your needs and within your budget, chat with one of our advisors. We can help to point you in the right direction.

Tips for choosing the best travel insurance for athletes

Choosing the best travel insurance for athletes involves several factors such as checking coverage for your specific sports activity, looking for coverage limits, reading policy exclusions, checking for liability coverage, and more. 

• Check coverage for sports activities: Ensure the policy specifically covers your sport, including training and competitions. High-risk or extreme sports may require specialized coverage or additional riders
• Look for medical coverage limits: Choose a policy with high medical coverage limits, especially if you’re traveling to countries with expensive healthcare. Ensure it covers sports-related injuries, emergency medical care, and rehabilitation
• Sports equipment coverage: Opt for a policy that protects your sports equipment in case of loss, theft, or damage during travel
• Read policy exclusions carefully: Understand the exclusions, especially for professional or extreme sports, to avoid gaps in coverage. Some policies may not cover injuries in high-contact or extreme sports
• Check for liability coverage: Athletes might be liable for injuries to others or damage to property during competitions. Liability coverage can protect you from such risks
• Consider the level of activity: Some policies may limit coverage for professional athletes, so ensure the insurance aligns with the intensity and frequency of your sports activities

If you’ve ever shopped around for a credit card, chances are you’ve seen this before: a shiny new card offering travel benefits like insurance coverage in case your trip goes awry. But is it really comparable to a policy you could buy on your own?

There are key differences between travel insurance coverage offered through your credit card company and what a separate insurance policy you own offers. The question of which is better comes down to your own needs and the kind of trip(s) you’re taking.

What is credit card travel insurance?

Credit card travel insurance is a type of coverage included as a benefit with certain types of credit cards. Similar to standard travel insurance policies purchased from an insurance company (or through a brokerage like PolicyAdvisor), a travel plan provided through your credit card is meant to cover you in the event of an emergency either before or during your trip away from home.

Travel insurance in general can help with unexpected expenses that may arise along your journey, and the coverage provided through your credit card is no exception.

What kind of travel insurance can I get through my credit card?

Credit card providers can offer several different types of insurance, although they are almost exclusively for purchases made through that specific credit card. Of those many different credit card insurance options, the most common ones related to travel can include:

• Trip delay, cancellation, and interruption
  Provides coverage for some prepaid and non-refundable expenses. For example, if you have to unexpectedly cancel your trip before you leave Canada, or if an emergency happens and you have to cut your trip short. It also covers you if you encounter travel delays. Most often this means flight delays or cancellations where you miss a connecting flight, extra bills for unexpected hotel nights and meals, or any additional costs that arise.

• Baggage and personal effects
  Covers you if your bags or other personal belongings are lost, stolen, or damaged somewhere along your journey.

• Travel accident
  Travel accident insurance acts similarly to accidental death & dismemberment (AD&D) insurance. It provides a lump sum payment in case the insured (usually the cardholder) has an accident resulting in death or a severe physical injury like loss of limbs, paralysis, etc.

• Emergency medical
  One of the most common forms of travel insurance, emergency medical covers unexpected health costs. This usually includes medical care, hospitalization, ambulance services, evacuation, prescription medication, and a host of similar costs.

• Rental car
  Provides coverage if you rent a car during your trip and that car is damaged or stolen. Some plans also extend coverage to your personal belongings that may have been inside the rental car and stolen.

• Emergency roadside assistance
  This can help if your car (rental or otherwise) breaks down during your trip, gets a flat tire, or otherwise runs into issues leaving you stranded. It’s particularly useful for road trips.

• Hotel burglary
  Covers you if your personal belongings are stolen out of your hotel room while you’re checked in. This coverage may extend to other accommodations like motels and Airbnbs as well, but it’s best to speak with an insurance advisor to find out for certain.

However, keep in mind that while these are possibilities, not all credit cards will include all of these coverage options. And you often don’t have much flexibility to pick and choose your coverage like you would with a separate travel insurance plan.

How does credit card travel insurance work?

Card benefits usually come with a suite of complimentary travel benefits as part of the card’s package, including some travel insurance coverage. This is especially the case for cards that offer other premium rewards and cost an annual fee. These credit card benefits are basically the company’s way of trying to entice you to sign up for their services.

Because of these advertised travel benefits, credit card travel insurance can be extremely appealing to people who travel frequently, such as on short business trips.

In some cases, travel insurance is not automatically included. But in those cases, cardholders may be able to purchase plans like emergency medical coverage or trip cancellation/interruption insurance through their card provider at an extra cost.

While credit card coverage is often the easy, go-to option for Canadians fortunate enough to have it included, those plans can vary significantly depending on the provider and the level of coverage you opt for. Further, credit card travel insurance is notorious for including restrictions in the fine print.

You should be cautious when deciding whether to rely on your credit card travel insurance coverage. Be careful not to go on a trip thinking you have coverage only to find out that your plan doesn’t actually cover everything! It’s important to find out exactly what you’re covered for ahead of time, or speak with one of our experts for more guidance.

Requirements for credit card travel coverage

Every credit card issuer will have specific eligibility requirements for the coverage options they offer. In most cases, the main condition is that you must purchase the entire trip on your card.

Companies may also require you to have an annual income above a certain amount to be eligible for a card with travel benefits.

Age is another consideration. Many credit card providers will end travel insurance coverage for anyone over the age of 65. But there are some exceptions that offer premium credit cards with optional add-on coverage for those above that age.

What is individually-owned travel insurance?

Individually-owned travel insurance is a policy that you purchase directly from an insurance company or broker like PolicyAdvisor. It is separate from the travel insurance coverage offered through your card issuer.

There is a wide range of travel insurance options to choose from, and coverage can overlap with your credit card travel insurance benefits. But individual travel insurance often provides more coverage and higher coverage limits.

It is also primary coverage, which means that it will pay out first if you make a claim.

What does travel insurance normally cover?

As with a credit card provider, insurance companies also offer several different types of travel insurance coverage. For the most part, plans are some variation or extension of the major two:

• Travel medical insurance
  Covers emergency health-related costs, including medical care for emergencies, ambulance transportation (including air ambulance), emergency evacuation or repatriation of remains to Canada, prescription medication, hospitalization (including due to COVID-19), and other emergency medical services.

• Trip interruption/cancellation insurance
  Covers prepaid, non-refundable costs related to your trip. It also covers unexpected costs if you have to cancel your trip before leaving or if you have to end your trip early (including for COVID-19-related reasons).

Read more about travel insurance coverage for COVID-19.

What does travel insurance not cover?

Of course, no insurance policy is a free-for-all. While individually-owned travel insurance does generally provide more coverage than credit card travel insurance, there are some things even those plans would not cover.

The major exclusion is travel to destinations with active travel advisories, or travel when Canada’s government advises citizens to avoid non-essential travel. In these instances, an insurance provider may decline to provide travel coverage.

Further, most travel insurance plans, no matter where they are purchased from, will not cover certain sports that are considered to have a high risk of injury. These include skydiving, bungee jumping, parachuting, hang gliding, motorbike or car racing, mountain climbing, and similar sporting activities.

What are some differences between credit card coverage and owned coverage?

Cost differences

In particular, the difference in cost between individual travel insurance and credit card travel insurance may surprise you. Although many card plans include free travel coverage, some plans might actually cost more than individually-owned travel policies, depending on the kind of coverage purchased.

Some credit cards with travel plans can cost you anywhere from $200 to upwards of $600 in annual fees. Conversely, individually-owned travel insurance can be as low as around $25 per trip. That’s not quite as low as $0, but it’s certainly a fair amount considering the extent of coverage you could be getting. At the same time, some individually-owned annual travel insurance plans can cost upwards of $100 per year, again depending on several factors.

In terms of which option of the two provides the best overall value, that answer necessarily depends on your unique needs.

Here are some major factors that would determine which is the best option for you:

• What kind of travel insurance plan you buy
• How much coverage you need
• How many travellers need to be covered under the plan
• Any extra coverage needed (like for extreme sports)
• Pre-existing health issues
• How often you plan on travelling

Frequently Asked Questions

Do I need travel insurance if my credit card already has it?

There is no one-size-fits-all answer to this question. Credit card coverage may be perfectly adequate for the type of traveller who is going on a short, casual trip and does not have any additional needs.

On the other hand, travellers who may be embarking on more specialized trips will likely need to purchase supplementary travel insurance that provides more comprehensive coverage.

For instance, some travellers who would need a more comprehensive travel insurance plan than what a credit card issuer would provide could be:

• Athletes travelling abroad to participate in competitions
• Snowbirds travelling overseas for months on end
• Travellers planning to do “adventurous” activities like bungee jumping
• Visitors to Canada on years-long super visas
• Foreign workers or work permit holders in Canada

The complete details of your travel insurance policy would indicate exactly what is covered and what isn’t, and thereby give you a better idea of what kind of plan you need.

Is it worth it to get travel insurance?

Having insurance coverage for medical emergencies or unexpected expenses during your travel can come in handy, whether it’s provided for free as part of your credit card package or provided through an insurance company. And there are dozens of affordable travel insurance options to choose from.

There’s nothing like expecting to take a quick vacation but ending up having to book extra hotel nights due to cancelled flights. Or having to go to the hospital in another country and finding yourself out of pocket for those extra costs.

When deciding which option to go for, compare your policy’s details of coverage with your needs for the trip(s) you have planned.

If you’re unsure, you can always speak with your provider directly, or speak with one of our expert advisors for personalized advice on which type of policy would be best for you.

Where can I get my own travel insurance?

If you decide to opt for your own travel insurance separate from your credit card issuer, you have a few options for where to look.

If you booked through a travel agent, they will normally be able to offer you some travel insurance options at the same time.

But, depending on your employment status, you should also double-check your employee benefits. Sometimes group insurance packages offered through your employer will provide some level of travel insurance, especially if business trips are common.

Of course, one of the most direct ways to get travel insurance is by speaking with an insurance broker like PolicyAdvisor. We work with more than 30 of the best insurance companies in Canada, so our advisors can help you find the absolute best travel coverage for your needs and help you shop around if you’re looking to travel on a budget.

Canada has long been immigration-friendly. It’s no surprise that we welcome tens of thousands of foreign workers and work permit holders to our shores every year. It’s exciting to have landed a great new job in Canada and left your home country to start a new life up north!

But did you know that Canada’s famed “free” public health care doesn’t actually apply to newcomers right away? The onus falls on you to pay for any medical care you need for the first few months after arriving in Canada. Private health insurance options (like visitors insurance) help cover emergencies that come up during that time frame.

Visitors insurance

Travel insurance can help give visitors to Canada peace of mind during their travels. For newcomers, in particular, you will already have a lot on your plate to deal with when moving to an entirely new country and culture. Having travel insurance will mean one less thing you have to worry about while settling in.

Depending on their status, visitors to Canada have several different options for travel insurance. The main options are:

• Travel medical insurance for visitors to Canada
  Insurance that covers the medical costs incurred from any medical emergencies you experience on your trips, including hospital stays, ER visits, cost of prescription drugs, medical transportation, and more.

• Travel insurance for trip-related incidents
  Insurance that covers things like flight delays, trip interruption, trip cancellation, hotel stays, lost baggage, etc.

Learn more about travel medical insurance vs trip interruption insurance. 

Visitors travelling to Canada on an eTA (Electronic Travel Authorization) issued by the government can legally stay in the country for as long as six months. During this time, they are not covered under Canada’s universal health care plan, so they must rely on private visitors insurance for any medical costs that may arise during their trip.

But there are three additional types of foreign nationals who travel to Canada and have particular needs: study permit holders/international students, super visa holders, and work permit holders/temporary workers.

These categories are distinct in that their stays in Canada are usually for a much longer period of time than most visitors.

Learn more about super visa insurance for parents/grandparents of Canadian citizens and permanent residents and super visa insurance payments. 

What is a Canadian work permit?

There are two general types of work permits offered in Canada:

• Open work permit
  This type of permit allows a foreign national to live and work in Canada with no restrictions on who they can work for. But in some cases, they are only allowed to work in a specific job category. Open work permits are valid for up to two years, with the option to be renewed or extended.

• Closed work permit
  Under this type of work permit, foreign nationals can live and work in Canada but only for one specific employer and in the specific role outlined in the conditions of their work permit. This means that if they want to seek a new job in Canada, they would have to submit an entirely new work permit application. This type of work permit is also usually valid for up to two years but can be extended.

Do work permit holders have insurance?

Foreign workers in Canada will often be covered under the government health plan of the province they are working and living in, like OHIP in Ontario. Their family members who moved to Canada with them are usually also granted provincial or territorial health coverage.

But work permit holders have to meet specific eligibility requirements to be covered, including:

• Be employed full-time in the province
• Maintain that province as their primary place of residence
• Physically be in that province for a specific number of days

How long a temporary resident has to be in their province of residence varies throughout Canada. In Ontario, for instance, they have to physically be in the province for at least 153 days within a 12-month period to be eligible for OHIP.

On top of public universal health care, foreign workers may also get additional health insurance coverage with employee benefits provided through their employer (or as part of a group package through their job). This coverage varies based on different employers and different jobs, but will typically include benefits like vision and dental insurance on top of emergency medical coverage.

In most cases, once a foreign worker retains their employment, they are able to use the benefits provided to them through that job.

Why do foreign workers need travel insurance?

To start, newcomers to Canada, for the most part, do not have immediate access to health care through their provincial public health insurance.

In most provinces, newcomers have to wait three months before they can get public health coverage. In some cases, open work permit holders may have to be employed full-time for at least six consecutive months before they are eligible for public health coverage.

During that three-month waiting period (or longer), a foreign worker would be responsible for any medical attention they receive. This is where a private health insurance plan comes in handy.

A travel medical insurance plan in particular would help cover any unexpected emergencies that crop up during the time they wait for a provincial health plan to kick in.

What does travel insurance for foreign workers cover?

The exact coverage your plan provides varies based on what kind of policy you buy and what provider you choose, among other factors. But most travel insurance policies cover:

• Emergency medical treatment
• Emergency dental treatment
• Travel accidents
• Ground and air ambulance transportation
• Medical evacuation
• Repatriation of remains
• COVID-19-related medical care

What insurance do I need to travel to Canada?

In general, foreign nationals do not need to purchase private insurance before coming to Canada, although it is strongly recommended.

Some visitors, like super visa holders, and some foreign workers are required to have a private health insurance policy or travel insurance policy before they arrive in Canada and for the duration of their stay.

The International Experience Canada (IEC) Working Holiday Visa is one such example. This is an open work permit that allows individuals from over 30 countries to live and work in Canada for up to two years. Like with the Super Visa, foreign nationals who hold this visa are legally required to purchase private insurance that covers:

• Medical care
• Hospitalization
• Repatriation

The Canadian government also requires that these work permit holders purchase private insurance before they leave their home country to move to Canada. Otherwise, they can be denied entry into the country.

But the Canadian government advises that you only purchase this insurance once you receive a letter of acceptance into the program.

I’m new to Canada. How do I apply for coverage?

You can access insurance coverage by speaking with a Canadian travel insurance broker like the experts at PolicyAdvisor. We can help you assess your unique circumstances and find the best plan that fits your needs.

As a note, you may want to avoid relying solely on travel insurance coverage offered through your credit card provider during this time. While many premium credit cards include benefits like travel insurance and other perks, these are likely insufficient for the level of coverage you need.

With credit card travel insurance, In most cases, you would only be covered for less than a month. This means you would still be left hanging while waiting three months or more for your Canadian health insurance card. Plus, the travel plan may not recognize certain medical issues as emergencies they would cover.

Learn more about credit card versus owned travel insurance.

Once your Canadian health insurance comes into effect, and you need travel insurance to cover other travel, you can also check your employee benefits. Many employers or group benefits packages include some measure of travel coverage that may be adequate for your needs.

If in doubt, it can’t hurt to speak with us to find out exactly what you’re covered for, if anything, and whether you need additional coverage to make sure your policy hits all the important notes.

As border restrictions ease, Canadians are travelling again. In March 2022, the number of Canadians visiting countries abroad increased over 500% from the previous year (source: Statistics Canada).

While it’s becoming safer to travel, we need to remember the other risks that were present before the pandemic. For example, what if you’re hospitalized while in another country? Or, what if an unexpected situation forces you to cut your vacation short?

Travel medical insurance and trip interruption/cancellation insurance are policies that can protect you before and during your travels abroad. They can reimburse you for non-refundable trip expenses and unexpected medical or non-medical incidents in another country.

We dive deeper into travel medical and trip interruption coverage and their differences in this article.

What is travel medical insurance? 

Travel medical insurance can cover emergency medical treatment when you’re in another country. Otherwise, a sudden illness could lead to a hospital bill in the hundreds of thousands of dollars if you’re in the U.S. or another destination.

Not every country has free health coverage. Even if a country does, you might only be eligible for a free medical visit if you’re a resident of that country. Travel medical coverage for visitors prevents the need to pay unforeseen medical expenses out of pocket while travelling.

Learn more about travel insurance.

Do I need travel medical insurance? 

Travel medical policies provide peace of mind when you travel. You’re able to relax knowing that an accident or bout of nausea won’t result in an out-of-country doctor visit that is not covered by government health plans.

Having sufficient travel medical insurance also means you don’t need to delay a hospital visit if something goes wrong. Remember, you’re covered, so there’s no need to endure an illness or injury you have until you return home.

You can also look into multi-trip annual plans if you frequently leave the country. Some yearly plans provide travel medical coverage for unlimited trips throughout the year so you’re always protected. In short, you wouldn’t have to worry about purchasing insurance every time you hop on a plane.

Learn more about annual multi-trip travel insurance. 

Who can benefit the most from travel medical insurance?

Those who may be travelling for longer periods of time than normal or who may plan to participate in certain sports (like recreational or professional athletes) can benefit from travel medical insurance. For this type of traveller, having enough coverage for emergency situations can be especially critical.

Additionally, annual plans with medical coverage are great for “snowbirds” who regularly leave the country during the winter months. Snowbirds also tend to be retirees in their later stages of life. As a result, they are more likely to require medical care, especially in an unexpected emergency.

Foreign workers and work permit holders who are new to Canada can also benefit from travel medical coverage. They usually have to wait at least three months before they are eligible for “free” healthcare, so having a private travel insurance plan can come in handy.

But, anyone travelling for extended periods will find benefits in emergency medical coverage. These extended excursions can lead to a greater likelihood of foreign hospital visits. And you don’t want to be caught off-guard by emergency medical expenses.

Do I need travel medical coverage for trips within Canada? 

Travel medical coverage has its benefits even when taking a quick trip within Canada. Your provincial or territorial health plan may not pay all your medical fees if you’re outside your province of residence and suffer a medical emergency.

Services like an air or ground ambulance, emergency dental procedures, or prescription drugs might lead to out-of-pocket expenses unless you have some form of private coverage. As such, having some form of additional health insurance for your travels is recommended.

Is travel insurance different from travel medical insurance? 

Travel insurance refers to a broad category of policies that aim to absorb unexpected extra costs while you’re travelling.

It includes travel medical insurance, but also policies like trip interruption and cancellation insurance. It also covers potential damages to personal effects/equipment and car rentals, baggage loss, and unforeseen events related to the COVID-19 pandemic, like emergency quarantine — barring any government travel advisories.

Learn more about COVID-19 travel insurance coverage.

Essentially, you can expect travel insurance policies to mitigate losses whenever you trek outside your home province or country.

What does travel medical insurance cover? 

Most travel medical policies cover issues such as:

• Motor vehicle accidents resulting in broken bones or other injuries
• Heart attacks or strokes
• Emergency dental treatment
• Travel accidents
• Emergency transport like ambulances or helicopters
• Medical evacuation
• Prescription drug expenses
• Emergency in-patient hospital care
• Repatriation (returning your remains to your home country in a worst-case scenario)

Numerous other situations could also count as a medical emergency, and your insurance company can cover these incidents up to your travel policy’s limit.

But travel medical insurance won’t cover planned medical treatments during a trip abroad. For example, a travel medical policy won’t cover the costs of a planned root canal procedure in Mexico. Most policies require that the medical procedures be unexpected.

What is trip interruption insurance? 

Trip interruption insurance reimburses you for the unused portion of your trip if an unexpected event forces you to return home early, as well as some related extra expenses.

For example, you book a seven-day trip to Hawaii. But on day three, a family member ends up in the hospital and you must return home. In this case, your trip interruption policy may reimburse you for the cost of days three to seven of your trip as well as your flight home.

Depending on your policy, your insurance plan could cover 100% to 200% of your trip’s cost. This covers not only your pre-paid expenses like hotel and flights but also any related additional cost to rush home or cancel the remainder of your vacation.

What does trip interruption insurance cover? 

There are two main types of fees that trip interruption travel plans cover:

• Non-refundable travel expenses. This could include flight tickets, hotel accommodations, activities, and more. If you could otherwise receive a refund, you can’t receive compensation from the policy.
• Additional costs. An unforeseen scenario might mean additional meal expenses, hotel stays, transportation, and more. Your policy could cover these fees on your behalf, up to the policy limit.

Here’s a breakdown of some scenarios that are covered and examples of what they can look like.

• Personal medical emergency or injury: Let’s say you suddenly faint and get rushed to a nearby hospital during your stay in Barcelona, so you don’t make it to your itinerary in Lisbon, but you’re unable to receive a refund on your accommodations at your destination.
• The emergency of a family member: This could be a scenario where your child is seriously injured in an accident and you book last-minute plane tickets to get home.
• Missed connecting flight: For instance, if your plane arrives late and causes you to miss your flight to Santorini, but you’re unable to receive a refund for the night you missed there.
• Travel host’s hospitalization or death: In this example, it could be that you plan to visit and stay with your friend in Peru. However, he suddenly ends up in the hospital and you need to change or cancel your travel plans.

Your trip interruption insurance would cover these scenarios so you won’t need to worry about emergencies cutting your trip short. These travel insurance plans let you focus on what’s essential, claim compensation from your policy, and rebook the remainder of your trip for another day.

Limitations

However, you should understand the limitations of any travel policy you purchase. Your travel coverage may be void or limited if you have a pre-existing medical condition, are at a certain age, or visit certain destinations that have government travel advisories issued against them.

Having a pre-existing condition may affect whether you’re eligible for certain travel medical insurance plans. A particular illness may mean you don’t qualify at all or only qualify for a certain amount of coverage. Additionally, pregnancy-related healthcare may be excluded if you were already pregnant before you got the policy.

Additionally, travellers over 60-65 years old will likely be asked to complete a medical questionnaire or exam. Those medical results could impact how much coverage you can get and how much insurers will charge you. But most policies do not have an official age limit for when you can apply for travel insurance.

Another thing to note is that passport and travel visa delays can be excluded from coverage under trip interruption insurance. For example, let’s say you’re travelling to Japan but service delays mean you won’t have your passport or visa ready by your departure time and your plane tickets are non-refundable. This would not be covered under most trip interruption travel insurance policies. But some trip cancellation policies may cover it under an optional add-on called “cancel for any reason”.

Travel insurance specialists (like the ones at PolicyAdvisor) can shed some light on the eligibility requirements and other fine print of your policy and help find the coverage that works best for you.