The complete guide to travel insurance for Canadians

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.

Schedule a call for visitor insurance
Need insurance answers now?

Call 1-888-601-9980 to speak to our licensed advisors right away, or book some time with them below.

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:

  • 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:

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.

Visiting Canada soon?

Get a free travel insurance quote now!

Which is the best travel insurance company?

There are several travel insurance companies such as Manulife, Blue Cross, GMS, TuGo, Allianz and more, offering competitive travel insurance policies with lucrative benefits and comprehensive coverage. Check them out in details 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, depending 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
Review: Best Travel Insurance for Visitors to Canada

Who needs travel insurance?

Besides vacationers leaving Canada for trips abroad, some specific groups also require travel insurance.

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
Need insurance help?

Let our experts help with choosing the best travel insurance to Canada.

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.

/* Custom Archives Functions Go Below this line */ /* Custom Archives Functions Go Above this line */

Should I Buy Medical Insurance for My Parents Visiting Canada?

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.

Canadian visitors insurance can help cover unexpected costs related to your trip.

What kind of travel insurance do my visiting parents need? 

The kind of travel insurance you should get for your parents depends on their unique needs. They may just need something for medical emergencies, or you may want to get them something more comprehensive that also covers trip interruption. If they have a Canadian super visa, they’ll need a special type of insurance to cover that.

Take a look at some of the most common types of travel insurance below to learn more.

The most common types of travel insurance

There are many different types of insurance policies that can cover different aspects of a trip. Here are six of the most common types of travel insurance.

  1. Emergency medical. This helps to pay for medical expenses if an emergency happens during a trip.
  2. Super visa. This is a special type of travel insurance for people who have a super visa. It’s only available to the parents or grandparents of people who live in Canada.
  3. Trip cancellation. This will help pay for non-refundable costs associated with cancelling a trip, such as those from airlines or hotels.
  4. Trip interruption & delay. This will reimburse you for the unused part of a trip if you have to go home early, or help cover additional expenses for things like hotel stays or food if your flight is delayed.
  5. Baggage loss. This helps to cover any mishaps that may happen to luggage during a trip, such as if it’s lost in transit, damaged, or stolen.
  6. Annual multi-trip. This can be comprehensive travel insurance that includes coverage for many of the options given above, and for more than one trip. It will cover any trips taken within a year, so it’s great for people who travel a lot.

Some foreign visitors to Canada also need special types of travel insurance, like plans for adventure sports or athletes. Super visa insurance is another special kind of travel insurance for parents. But whether your parents need it will depend on things like how long they are staying and if they have a super visa.

Schedule a call for visitor insurance

Need insurance answers now?

Call 1-888-601-9980 to speak to our licensed advisors right away, or book some time with them below.

What is a super visa?

A super visa is a unique visitor’s visa that is only available to the parents or grandparents of Canadian citizens and permanent residents. It lets them visit Canada multiple times in 10 years, and stay for as long as five years at a time — or extend their stay by another two years if they want. The super visa helps families stay together for long periods of time.

What’s the difference between super visa insurance and visitors insurance?

The main difference between visitors insurance and super visa insurance is the length of stay. Your parents can stay for up to 6 months on a visitors visa. But with a super visa, they can stay up to 5 years or more.

Also, regular visitors do not have to get travel insurance — even though it would help them a lot. On the other hand, super visa insurance is mandatory for anyone who has a super visa.

Super visa insurance is also more strict than normal travel insurance for visitors to Canada. There’s a few reasons for this:

1 Length of stay

Because super visa holders are staying for longer, it’s more likely that they’ll need to see a doctor at some point.

2 Pre-existing health issues

Because super visa holders are usually older than 40, they are more likely to have health conditions they already had before they arrived in Canada. This is called a pre-existing medical condition.

A Super Visa insurance must:

  • Cover emergency medical care, hospitalization, repatriation, and more
  • Have at least $100,000 in coverage
  • Be purchased from a Canadian insurance company
  •  Be valid for one year
  •  Be active before the traveller arrives in Canada
Read our review of the Best Travel Insurance for Visitors to Canada

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.

Tip

Example

Let’s say your parents are travelling back home, from Toronto to Mumbai and connecting through London, but there’s a flight delay so now they have to book a hotel and spend the night in London. A travel insurance plan would help cover the cost of the hotel, any extra meal expenses, and other necessities they didn’t expect to pay for.

Travel insurance will help your parents AND you feel at ease knowing they’ll be covered if anything happens.

How much would it cost to buy travel insurance for my parents visiting Canada?

The cost of travel insurance depends on several factors, but you can expect it to cost around 5% of the cost of the trip.

Several factors can affect the cost of health insurance for visitors to Canada.

Travel insurance for a week-long visit to Canada can cost as low as $20-$30. But some kinds of coverage are more expensive than others. For instance, super visa insurance costs more than travel medical insurance. That’s because it gives you more coverage for a longer time.

To find a policy that fits your needs and budget, speak with a PolicyAdvisor expert who can give you the best quote for travel insurance for your parents or other visitors to Canada.

What are the best insurance providers in Canada for visiting parents?

In Canada, there are several insurance providers such as Manulife, Blue Cross Canada, TuGo, Travelance, etc who can take care of your unique insurance needs when travelling to the country.

1. Manulife 

Manulife is one of the largest insurance providers in Canada, offering comprehensive travel insurance plans that cater to the needs of visitors, including parents coming to Canada. Their coverage typically includes emergency medical expenses, trip interruption, and accidental death. 

One of the standout features is the ability to cover pre-existing medical conditions, provided they meet certain stability requirements. With 24/7 assistance and options to top up coverage, Manulife is a reliable choice for ensuring your parents are well-protected during their stay in Canada.

2. Travelance

Travelance specializes in insurance for visitors to Canada, offering tailored coverage options that focus on emergency medical expenses. 

Their plans are flexible, allowing you to customize coverage based on your parents’ health conditions and the length of their stay. Notably, they provide coverage for stable pre-existing conditions, which can be an important consideration for older parents. 

3. TuGo 

TuGo is another prominent travel insurance provider in Canada, offering a range of solutions for visitors, including coverage for parents coming to the country. Their emergency medical insurance is comprehensive, covering hospital stays, doctor visits, and other medical services. 

TuGo also offers flexibility, allowing you to extend or top up coverage if your parents’ stay is extended. Additionally, they provide a straightforward online claims process and access to global travel assistance services, which can be crucial in case of an emergency.

4. Blue Cross Canada

Blue Cross is a well-established name in Canadian health and travel insurance, known for offering a variety of plans for visitors. Their visitor insurance includes emergency medical coverage, trip cancellation, and trip interruption, making it a comprehensive solution for visiting parents. 

With access to a large network of healthcare providers across Canada, Blue Cross ensures that your parents receive quality care wherever they are.

The cheapest medical insurance for visitors to Canada
Looking for travel insurance in Canada?

We’ve got you covered!

What do I need to get a travel insurance policy for my parents?

To buy a travel insurance policy for your parents, you will need basic details like:

  • Name
  • Age
  • Gender
  • Destination
  • Trip duration
  • Address
  • Medical history

You will have to tell the insurance company about any pre-existing medical conditions your parents may have, like a heart condition or a lung condition for instance. If you don’t know, it’s best to ask your parents.

When buying travel insurance for parents, you need to disclose any pre-existing medical conditions they may have.

Once you get the travel insurance policy for your parents, family members, or any other visitor, be sure to provide them with a copy of the policy and proof of purchase. They will need both if they have to make a claim.

Be clear with your loved ones as to what is covered by their policy and how long they’re covered for. If you’re purchasing online, you will likely receive an email confirmation containing all of this information and a copy of the policy. Be sure to save the email just in case.

Does travel insurance cover pre-existing conditions?

Most standard travel insurance plans do not cover pre-existing conditions unless they are stable — meaning that they have not gotten worse, caused new symptoms, or needed a new diagnosis in 90-120 days. If a preexisting health condition is NOT stable, it may not be covered by travel insurance at all. And some providers can also exclude certain conditions even if they are stable.

Travel insurance can depend on the traveler meeting a minimum stability period for pre-existing conditions.

The best way to know whether a specific health condition will be covered is to check the policy for details before going ahead with travel plans. Or you can always speak with one of our advisors for expert guidance.

You should tell the insurance company the truth about any health issues your parents have. Otherwise, the plan could be cancelled, leaving your parents without the travel protection they need.

What does visitors travel insurance cover?

If you buy visitors travel insurance for your parents, it can help cover medical costs, non-medical costs, or a combination of both.

Read more about the difference between travel medical vs trip interruption insurance.

Author Photo
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.
Polygon for chat box pointer
Ripenjeet Sandhu
Travel Insurance Expert, PolicyAdvisor.com

Travel medical coverage

Most Canadian travel medical insurance policies will cover:

  • Emergency medical treatment for illness or injury
  • Prescription drugs
  • Emergency dental treatment
  • Essential medical equipment (crutches, wheelchairs, slings, braces, etc.)
  • X-rays and other diagnostic laboratory procedures (bloodwork, ultrasounds, etc)
  • Ground, sea, or air ambulance services
  • Follow-up post-medical appointments
  • Medical evacuation
  • Ambulance travel to the nearest hospital

Policies can also cover more, depending on the plan and insurance provider you choose.

Travel medical insurance can offer anywhere from $20,000 to up to $250,000 in medical expenses. It covers specific amounts for different health events. The chart below shows more.

A typical travel medical insurance policy for a visitor could cover:

Medical event Amount covered
Accidental death & dismemberment Up to the full amount
Emergency hospitalization Up to the full amount
Emergency medical (including follow-up visits) Up to the full amount
Emergency transportation expenses Up to the full amount
Return of deceased Up to $10,000
Accidental dental Up to $4,000
Emergency return home (repatriation) Up to $3,000
Emergency return home (repatriation) Up to $3,000
Transportation of family/friend (to be with you in hospital) Up to $1,500
Out-of-pocket expenses Up to $500
Chiropractor, osteopath, chiropodist/podiatrist, physiotherapist or acupuncturist Up to $500 per profession
Dental emergency Up to $500

Non-medical travel coverage

This coverage include things like if your flight is delayed, if your trip is interrupted, if your bags are lost, and more. It helps cover unexpected expenses like:

  • Trip cancellation or delay due to:
    • Medical emergency or death
    • Travel visa complications
    • Change in work schedule
    • Missed connections
    • Jury duty
    • Delayed or cancelled flights
    • COVID-19-related illness or quarantine
  • Trip interruption due to:
    • Family emergency
    • Medical emergency
    • COVID-19-related medical emergency or quarantine
    • Travel host’s hospitalization or death
  • Baggage loss or delay

If you’re not sure about what’s covered under your parents’ travel insurance, or if they have the right coverage, contact us. Our travel insurance specialists would be happy to help you make sure your parents have a travel policy that meets their needs.

How can I find the best Canadian visitors insurance for my parents? 

You can find the best visitor insurance for your parents right here on PolicyAdvisor! We work with dozens of Canada’s top insurance providers to give you the best options and most affordable rates for coverage. Browse quotes online for free in minutes, or book a call with one of our expert advisors to find your best travel insurance match.

Need help?

Let our experts help with choosing the best travel insurance to Canada.

Frequently asked questions

What’s the maximum age someone can get travel insurance?

Most Canadian travel insurance policies will cover anyone between 15 days old and 90 years old. Rest assured, your parents are likely able to get travel insurance. Their age will affect the cost, though.

The reason why insurance premiums are based on age is that the older someone is, the riskier it is to give them insurance. The price should not be that high for regular travel insurance, but super visa insurance will likely be more costly for an older adult.

How can I pay for travel insurance for my parents visiting Canada? 

Most travel insurance premiums are charged per person for a single trip, but not always. For example, a regular plan might charge $21 to cover a 55-year-old for just one week-long trip to Canada. This would be a one-time cost for that specific trip.

A super visa insurance policy might charge $1,110 to cover a 55-year-old for one year, no matter if they are making a single trip or multiple trips to Canada in that time frame. This fee also could be paid all at once, or it could be paid in monthly installments.

Does travel insurance in Canada cover my entire family?

Yes, travel insurance in Canada can cover your entire family if you choose a family plan. These plans typically provide coverage for you, your spouse, and dependent children under one policy. Family travel insurance often includes emergency medical coverage, trip interruption, and lost baggage protection.

However, coverage limits and terms may vary by provider, so it’s important to review the policy details to ensure it meets your family’s needs.

What if my parents already have travel insurance through their job or credit card?

If your parents already have travel insurance through a group provider, you should compare coverage to make sure they have everything they need. Travel insurance through a job or credit card is usually limited, and might not cover things like pre-existing health issues. It may also have a low coverage amount.

You should read through their travel policies to find out the complete coverage details or speak with one of our agents to make sure your parents travel to Canada with complete protection.

/* Custom Archives Functions Go Below this line */ /* Custom Archives Functions Go Above this line */

The athlete’s guide to travel insurance in Canada

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).

Learn more about visitors health insurance in Canada
Schedule a call for visitor insurance

Need insurance answers now?

Call 1-888-601-9980 to speak to our licensed advisors right away, or book some time with them below.

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
Athletes need specialized travel insurance because standard plans don't cover many types of sports.

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.

Athletes should be aware that some extreme sports are not covered by travel insurance at all.

What’s considered “extreme sports”?

There are different categories of sports that may not be included in traditional travel coverage, most often extreme sports and contact sports.

Broadly speaking, many insurance providers will not provide coverage for “extreme sports” that have a higher risk of accident or injury. These include:

  • Skydiving
  • Bungee jumping
  • Parachuting
  • Mountain climbing
  • Mountain biking
  • Hang gliding
  • Freestyle skiing or snowboarding
  • Motorized vehicle racing

Many underwater activities, like scuba diving, are also considered extreme. In this case, however, most travel insurance providers will include certain limitations and specific eligibility criteria rather than outright exclusions. For example, if you have obtained official certification for amateur scuba diving, you may be eligible for traditional travel insurance coverage. But watersports experts DiveIn highly recommend divers consider purchasing specialized diving insurance on top of standard travel insurance.

Contact sports may also be excluded from basic travel insurance and require additional coverage. As the name suggests, contact sports are those that authorize and require direct physical contact with people, such as:

  • Football
  • Hockey
  • Rugby
  • Lacrosse
  • Boxing

What sports are covered under standard travel medical insurance?

Many sports are automatically covered by standard travel medical insurance. These sports are deemed low or moderate risk and do not require specialized coverage (unless practiced professionally or for pay). Covered sporting activities include:

  • Cross-country skiing
  • Cycling
  • Downhill skiing or snowboarding on authorized trails
  • Golf
  • Non-contact team sports (i.e. basketball, baseball, soccer)
  • Non-motorized boating (i.e. canoeing, kayaking, sailing)
  • Skating
  • Swimming

What sports aren’t covered at all?

Across the board, insurance companies will not provide any coverage for sports that require either a motorized vehicle, such as motorbike, race car, or go-kart, or equipment for flying, such as parachutes or hang gliders. Other high-risk activities like mountaineering are generally excluded from coverage too. In almost all policies — including those with specialized athlete coverage — rodeo sports and activities are excluded.

Unlicensed underwater activities, such as scuba diving, are often excluded. In other words, you need to complete certified scuba training to qualify for coverage. And most standard travel plans will exclude any paid professional sporting activities or contests with monetary prizes.

If you are planning sporting activities on a holiday or expect to participate in professional athletics, it is important to check with your insurance provider about coverage specifics.

Visiting Canada soon?

Get a free athlete travel insurance quote now!

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
Need insurance help?

Let our experts help you choose the best athlete travel insurance to Canada.

Frequently Asked Questions

What is sports insurance?

Sports insurance is a specialized type of coverage designed to protect athletes, coaches, and teams from financial risks related to sports activities.

It includes protection against injuries, medical emergencies, liability for accidents, and equipment loss or damage during practices, games, or events. This insurance covers high-risk or extreme sports that standard insurance policies typically exclude.

Does travel insurance for athletes cover lost wages if I get injured during an event?

Some travel insurance policies for athletes may offer coverage for lost wages if an injury during an event prevents them from working. This benefit is often part of a more comprehensive plan that includes income protection or disability coverage. 

However, not all policies provide this, so athletes should carefully check the terms and conditions to ensure lost wages are covered, especially if they depend on sports as a primary income source.

What happens if my sports equipment is delayed or damaged in transit?

If your sports equipment is delayed or damaged in transit, athlete travel insurance with equipment coverage can compensate you. It may reimburse the cost of renting replacement gear if the equipment is delayed, and cover repair or replacement costs if it’s damaged. 

What does athlete travel insurance not cover?

Athlete travel insurance typically does not cover pre-existing conditions, injuries sustained outside sports activities, or high-risk sports deemed too risky by the insurer.

Also, it usually excludes injuries resulting from intentional acts or reckless behavior, normal wear and tear on equipment, and travel cancellations for reasons outside the policy’s terms.

/* Custom Archives Functions Go Below this line */ /* Custom Archives Functions Go Above this line */

Pregnancy travel insurance: Everything you need to know

Travelling can be an exciting adventure, but when you’re expecting a little bundle of joy, it comes with unique considerations. Many parents-to-be opt for a “babymoon” to enjoy a final getaway before their baby’s arrival, while others approach travel more cautiously.

Whichever path you choose, it’s natural to have questions about travelling while pregnant and how to ensure you’re properly covered. In this guide, we’ll explore the ins and outs of pregnancy travel insurance to help you make an informed decision.

There are many different types of Travel Insurance for students, foreign workers, snowbirds, super visa holders, and others travellers to/from/within Canada.

Does travel insurance cover pregnancy?

Yes, travel insurance may cover pregnancy-related medical expenses depending on your specific circumstances and policy.

Most Canadian insurance companies will not cover pregnancy-related medical expenses within nine weeks before or after the expected delivery date. This means if you’re in the late stages of pregnancy or shortly after giving birth, coverage for related complications is typically excluded.

However, if you plan your trip for a time more than nine weeks before your expected delivery date, and you were not pregnant when you booked your travel, most travel insurance policies will cover you for medical emergencies during your trip.

Additionally, most policies do not cover routine pregnancy check-ups or cancellations purely due to pregnancy unless it’s due to an unforeseen medical emergency.

What is travel insurance?

Travel insurance provides coverage for medical expenses if you become sick or injured during your trip, and can also cover expenses that occur if your trip is cancelled or interrupted due to unforeseen events.

What does travel insurance cover?

Travel insurance covers medical expenses, trip cancellations or interruptions, lost luggage, and other unexpected travel-related costs.
  • Travel medical and dental care
  • Ambulance transportation and repatriation
  • Stable pre-existing health conditions
  • Travel accidents
  • Prescription drugs
  • Trip cancellation
  • Trip interruption
  • Baggage lost/stolen items
Travel insurance can provide some coverage to pregnant travellers.

Do you need travel insurance if you’re pregnant?

Yes, it’s highly advisable to have travel insurance if you’re pregnant. Travelling while expecting can come with unexpected challenges, and having insurance provides peace of mind.

​​For comprehensive coverage, you should consider policies that include trip cancellation, medical expenses, and emergency medical evacuation, as these will ensure you’re protected against unforeseen complications.

Schedule a call for visitor insurance

Need insurance answers now?

Call 1-888-601-9980 to speak to our licensed advisors right away, or book some time with them below.

Eligibility criteria for pregnancy travel insurance

How many weeks pregnant can you get travel insurance?

Most travel insurance providers in Canada offer coverage for pregnant travellers until nine weeks before their due date, usually around the 28th to 32nd week of pregnancy. Therefore, if you plan to travel, it’s best to do so before reaching this stage to secure appropriate travel insurance coverage.

Is pregnancy considered a pre-existing condition?

A normal pregnancy is considered pre-existing for travel insurance if the insured person was pregnant before they bought the policy, or if they became pregnant before their trip starts.

A pre-existing condition is a health issue the traveller had been diagnosed with before they had their insurance policy. It includes health issues like cancer, diabetes, mental health conditions, etc.

Pregnancy is not considered pre-existing if the traveller becomes pregnant after the date their policy starts, which is usually the first day of their trip. For instance, if you’re halfway through your vacation and suddenly find out you’re pregnant, that will not be considered pre-existing and you could be covered for some unexpected healthcare costs if needed.

For normal pregnancies that are pre-existing, no routine care will be covered. You will not be covered for any emergency medical care within nine weeks before or nine weeks after your delivery date.

High-risk pregnancies are also considered pre-existing health conditions, and will not be covered at all.

Travel insurance coverage for pregnant travellers depends on several factors.

Does travel insurance cover labour or pregnancy-related issues?

Travel insurance can sometimes cover labour or pregnancy-related issues, but it depends on when the travel was booked, how close is your due date, the date you purchased your travel insurance policy, the type of coverage you’ve chosen, and whether the pregnant person is a Canadian resident travelling abroad or a visitor to Canada.

1 Labour

If you travelled within nine weeks of your expected due date, most policies will not cover any care related to your pregnancy or if you go into labour. This is the case whether you’re a travelling Canadian or a visitor to Canada. However, some providers will still cover labour costs if you become pregnant after you have already purchased the travel insurance policy.

If you unexpectedly give birth more than nine weeks from your expected due date, then travel insurance will cover those costs. In this case, it will be treated as a medical emergency. This is the case whether your pregnancy was pre-existing or not.

However, most providers will not cover costs for your child who is born during the trip, whether for travelling Canadians or visitors to Canada. This means that if your newborn baby needs any neonatal intensive care, common with pre-mature birth, this will not be covered.

2 Pregnancy complications

If a pregnant person has complications during their trip, most travel insurance plans will see it as a medical emergency. But this is only if they still have more than nine weeks until the expected due date.

Travel insurance can cover medical expenses related to unforeseen complications like:

  • Gestational diabetes (when the mother develops diabetes as a result of pregnancy)
  • Preeclampsia (when the mother experiences dangerous high blood pressure and organ damage)
  • Hyperemesis gravidarum (a severe form of morning sickness)
  • Miscarriage (when the pregnancy prematurely ends on its own)

If there are problems with the pregnancy during the trip and you’re close to your due date (within nine weeks), your travel insurance will not pay for the medical care or expenses related to it.

3 High-risk pregnancy

Most travel insurance plans do not cover pregnancies that have additional risks. But if an expecting mother has pre-existing pregnancy complications, doctors often advise them not to travel at all to keep everyone safe.
Protect your trip and your little one!

Let our experts help with choosing the best pregnancy travel insurance.

Can you cancel your trip due to pregnancy?

Yes, you may be eligible to cancel your trip due to pregnancy and receive reimbursement for non-refundable expenses. However, this depends on the following conditions:

  • You have trip cancellation coverage or cancel-for-any-reason insurance
  • The pregnant individual is:
    • You
    • Your spouse
    • A travel companion
    • The spouse or family member of a travel companion
  • The pregnancy occurs after the trip is booked
  • The pregnancy begins after the insurance policy has been purchased
  • The delivery date falls within nine weeks of the scheduled trip
  • A doctor advises against travel for the pregnant individual

If these conditions are met, your travel insurance policy can help recover costs associated with flights, accommodation, and other non-refundable expenses. Depending on the policy, it may cover some or all of these costs that would otherwise be lost.

However, in the case of late-term pregnancy, most policies do not cover costs related to routine pregnancy, such as if a doctor advises against travel during the 8th or 9th month as a precaution.

Can you end your trip early because of a pregnancy? 

Trip interruption coverage may kick in if you’re already on your trip but want to end it early and go home because of a pregnancy. But it depends on your specific situation and your insurance provider’s rules.

Let’s say you’re on vacation when you realize you’re pregnant, so you want to go home immediately. Your travel insurance may not cover this if the pregnancy is not yet formally diagnosed or if it’s considered normal. And unless you’re travelling for months, you likely won’t be that heavily impacted.

On the other hand, if your babymoon to the Caribbean goes south and you start experiencing pregnancy complications, travel insurance could help cover both emergency medical costs and trip interruption costs. It can cover the costs of returning home early, as well as any unused portions of your trip.

Which Canadian insurance providers should pregnant travellers consider?

If you’re looking for insurance with pregnancy coverage, you can consider the best Canadian travel insurance companies such as GMS, Destination Canada, Tugo, Allianz Global Assistance, Manulife, etc.

You can compare the best travel insurance quotes from these providers and others right here at PolicyAdvisor!

Travel insurance helps you travel with peace of mind, even if you're expecting a baby.

Frequently asked questions

Will travel insurance cover if you deliver a baby in Canada?

No, if you are a visitor you should not come to Canada to deliver your baby. Healthcare costs will not be covered and your travel insurance will not cover your medical expenses or any expenses incurred by your newborn baby.

The same applies to Canadian citizens and residents who deliver babies abroad. Travel insurance does not cover normal deliveries.

How many months pregnant can you travel?

In general, you can travel up to 36 weeks of pregnancy. This is whether you’re travelling by airplane, by boat, or by car. However, you must bear in mind that:

  • Not all travel insurance providers will cover you that close to your expected due date
  • Some airlines may not allow you to travel that close to your expected due date
  • Your doctor may advise you to hold off on travel

It can be tempting to just hop on the next plane out of here if you’re far out from your due date, but you should consider factors like this before making a decision.

What are the flying restrictions for pregnant women?

Most airlines allow pregnant women to fly up to 36 weeks for single pregnancies and up to 32 weeks for multiples, provided there are no medical complications. After 28 weeks, a medical certificate confirming the due date and fitness to fly may be required. Each airline has its own rules, you need to check with the airline before booking. 

Is a newborn covered under insurance?

Many travel insurance policies for infants only begin covering your baby 90 days after birth, leaving a gap that may be crucial in case of hospitalization needs. To ensure safety, opt for a travel insurance policy that allows adding your baby to the cover immediately after birth, providing comprehensive coverage for any medical emergencies during your trip.

Do I need to tell the airline I’m pregnant?

Yes, it’s recommended to inform the airline if you’re pregnant, especially if you’re in the later stages of pregnancy. Some airlines have specific policies regarding air travel during pregnancy, particularly after 28 weeks, and may require a medical certificate from a doctor confirming you’re fit to fly.

Does pregnancy travel insurance cover multiple pregnancies or high-risk pregnancies?

Pregnancy travel insurance typically covers pregnancy-related complications, but coverage for multiple pregnancies (e.g., twins) or high-risk pregnancies may vary depending on the provider and policy.

Many standard policies exclude coverage for pregnancies beyond a certain week (usually 32-36 weeks), and high-risk pregnancies might require specialized coverage. So, it is best to check policy terms and see what is covered and what is not.

When should you avoid travelling during pregnancy?

You should avoid travelling during pregnancy if you have a high-risk pregnancy, such as a history of complications or multiple pregnancies. It’s also advisable to avoid travel if your healthcare provider advises against it, if you’re experiencing severe symptoms like high blood pressure, or if your destination has limited access to proper medical care.

/* Custom Archives Functions Go Below this line */ /* Custom Archives Functions Go Above this line */

Should you use your credit card’s travel insurance or buy your own?

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.

Schedule a call for visitor insurance

Need insurance answers now?

Call 1-888-601-9980 to speak to our licensed advisors right away, or book some time with them below.

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.

Credit card travel insurance can cover a number of incidents, but are also known to have many limitations.

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.

Credit card travel insurance can have many limitations compared to individually owned travel insurance.

What are the limitations of credit card travel insurance?

Credit card travel insurance is often billed as a convenient option, it has many limitations you should be aware of before deciding to use it.

To start with, there may be limits on the amount of coverage you can receive through your card provider. For example, you might only be covered for $500 in lost baggage if your total trip cost is under $5,000.

Credit card coverage likewise usually only covers you for a limited number of days, depending on your travel insurance package. Some plans also cap the number of trips you would be covered for within a year. This means that those who travel for longer periods multiple times a year are likely better served by getting their own travel insurance. Learn more about annual multi-trip travel insurance

There are also limitations on exactly what circumstances will be covered by your card’s travel coverage. For instance, while it may offer trip cancellation insurance, this may only apply if the trip is cancelled for a highly specific reason. Those reasons can vary between card providers. But this means most providers do not offer a “cancel for any reason” clause like travel insurance through actual insurance companies can.

It also means that cancelling your trip due to contracting COVID-19, for example, might not be covered. And these specific limitations also tend to spill over into your medical coverage. Depending on the company, not every medical emergency may be covered.

Additionally, a pre-existing medical condition is likely to be excluded from this kind of coverage. Unlike with an independent travel plan where there may be some coverage for stable pre-existing conditions, credit card issuers rarely cover pre-existing health issues — if at all. This is critical because pre-existing conditions can be illnesses as common as high blood pressure, cancer, or diabetes.

In most cases, you also don’t have the flexibility to customize your travel coverage or decide how to pay with card coverage. Insurance plans are usually preset with the card you own. And, as mentioned, in most cases you will only receive the benefit of coverage if you purchase the entire trip on that specific card.

It’s also important to note that this kind of insurance is usually secondary coverage. This means that it only covers costs after your primary insurance, like your individual travel health insurance policy or a government health insurance plan, has paid out.

Another item to look out for is whether your credit card covers just you, the cardholder, or if it also extends to those you are travelling with. In this case, your family members or travel companions would still have to go out and buy their own separate travel insurance plans for coverage. Travel insurance companies, on the other hand, can offer family travel plans that are a bit cheaper than everyone purchasing their own policy.

This is why it bears repeating that you absolutely should read through your policy, check with your provider, or speak with qualified insurance advisors (like PolicyAdvisor) about your travel coverage.

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.

Credit Card Travel Insurance

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

Credit Card Individual
Some plans come at no cost with the card Higher coverage limits
Can cover rental vehicles and hotel burglary More coverage options for specific circumstances (like extreme sports)
Lower coverage limits Higher coverage limits
Shorter coverage periods Can provide coverage for longer trips
Usually does not cover pre-existing medical conditions Can cover stable pre-existing medical conditions
Coverage generally stops at age 65 Generally does not have an age limit
Limited COVID-19 coverage, if any More coverage for COVID-19-related expenses (emergency quarantine, trip cancellation, etc.)
May limit the number of trips covered in one year Can provide coverage for an unlimited number of trips in one year

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
Find the perfect plan
Make sure you get the best travel insurance for your needs and budget with PolicyAdvisor.
GET QUOTES

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.

Need help?
Call us at 1-888-601-9980 or book time with our licensed experts.
SCHEDULE A CALL
/* Custom Archives Functions Go Below this line */ /* Custom Archives Functions Go Above this line */

Do foreign workers in Canada need travel insurance?

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.

Schedule a call for visitor insurance

Need insurance answers now?

Call 1-888-601-9980 to speak to our licensed advisors right away, or book some time with them below.

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

Read our review of the Best Visitors Insurance in Canada

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.

Travel insurance for foreign workers in Canada helps newcomers have one less thing to worry about when settling in.

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.

Travel insurance can cover foreign workers and work permit holders in Canada until their provincial health care plan takes effect.

What happens after I get universal public health care?

Once your government health plan takes effect, you would not need travel insurance for health care coverage anymore. Instead, you would be covered under your provincial health plan. The same goes for your spouse, children, or any family members/dependents who moved to Canada with you, as they are also covered under Canada’s public health care.

Although, you may want to consider ensuring that you have private health insurance for medical attention costs that may not be covered under your provincial health plan.

You may also still need to purchase another travel insurance policy if you take a trip outside of your province or go on vacation outside of the country.

And yes, even as a foreign national in Canada under a work permit, you are still absolutely eligible to purchase travel insurance.

Does Canadian health insurance work outside of Canada?

Even after your universal public health insurance comes into effect, it offers very little health care coverage outside of Canada. So, if you take a visit to your home country and end up needing emergency medical care, your Canadian health care plan will not cover you.

This is where having private travel insurance can make all the difference between you having to pay out of pocket for unexpected emergencies that happen once you venture away from your new Canadian home. In your time away, your coverage at home may have lapsed.

Do foreign workers need travel insurance for trips within Canada?

Universal public health care has some limitations within Canada too. Provincial health plans are generally limited to a specific province. As such, they have very limited coverage once you leave your province of residence.

This is another reason why temporary workers — and anyone living in Canada, really — should seriously consider travel insurance when planning to take a trip.

If you decide to explore your new home and take even a short trip to a neighbouring province, your provincial health plan may not cover everything if you run into a medical emergency.

Your provincial health plan may not cover these emergency services outside of your province:

  • Ambulance transportation
  • Cost of prescription drugs
  • Private hospital fees
  • Private facility diagnostic fees

Of course, no one ever wants to have to deal with or think about these kinds of emergencies happening to them. This is especially true while on a trip or as a newcomer to an entirely different country. But emergencies do happen and it’s better to know exactly what you would end up having to pay.

Emergency care costs can certainly add up. OHIP even recommends that you purchase private insurance coverage before leaving the province to cover any uninsured medical costs.

Plus, your provincial health plan will not apply to unexpected travel challenges that are not medical. If you have to pay for an extra hotel stay because of delayed or cancelled flights, if your bag gets lost, if you are placed under emergency quarantine due to COVID-19, or if any other countless number of mishaps happen, you’d be on your own as far as a public health care plan goes. But travel insurance plans could give you some relief.

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
Travel medical insurance can cover emergency health care costs while you are travelling.

Travel insurance exclusions

However, it’s important to note that travel insurance does not cover any and everything, although it does provide a wide range of coverage. There are a few factors that insurance companies consider to determine whether to extend coverage to you:

  • Destination
    For instance, government travel advisories play a major factor in determining your coverage. While getting travel insurance to come to Canada will be fine, the destination matters a lot if you want travel insurance to leave Canada on a short trip.

If the Canadian government has issued an order to avoid travel, or if a travel advisory has been issued for the destination you want to travel to, Canadian insurance companies will likely not provide coverage for travels.

  • Activities (i.e. extreme sports)
    Further, certain activities are not covered under standard travel insurance plans. A major example of this is in the case of “extreme sports”, where insurance companies deem there to be an extra-high risk of injury. There’s nothing wrong with being a foreign worker who loves to go snowboarding, but keep in mind that your travel insurance may not cover you if you plan on taking part.

Learn more about travel insurance for athletes and others taking part in sports.

  • Age
    The question of age will likely not apply to you, as a foreign worker. Travel insurance policies can cover individuals well into their 80s and even 90s. And we’d be impressed if you were still working at that age. But if you’re travelling to Canada with an elderly dependent or family member, it may be worth it to just keep this factor in mind.
  • Pre-existing conditions
    Pre-existing conditions, however, are a factor that may impact you. A pre-existing condition refers to a medical condition you had been diagnosed with before your insurance policy starts and can be an illness as common as diabetes.

Some travel insurance plans may not provide coverage for certain pre-existing conditions or may charge you a higher premium as a result of it. Companies also typically require that a pre-existing condition be stable for at least 90 to 180 days before your departure date.

Learn more about pre-existing medical conditions

Of course, you are always welcome to speak with one of our expert advisors if you’re unsure what kind of plan you need. Or if you have a plan but you’re not sure it’s the best plan for your needs. We’re happy to help you find out exactly what’s covered and what isn’t, and make sure you’re getting the best plan for your budget.

Compare and save
Save money and time when you compare multiple travel medical insurance policies, only with PolicyAdvisor
GET QUOTES

How much does travel insurance cost?

On average, you can normally expect a standard travel insurance plan to cost 5% of your trip. But this depends heavily on what kind of insurance you buy, how much coverage you get, how long your trip is for, your age, and your health, among others.

As a newcomer to Canada, you’ll likely need a longer plan than the standard travel insurance package, so you should expect your plan to cost more than the typical 5% figure.

To give you an idea, Manulife, one of Canada’s largest insurance companies, offers a travel medical plan for newcomers that can cost around $500 to cover two young, healthy travellers for three months.

Also, if you’re travelling with your family, you may be able to get a better deal. Some providers offer discounts on policies bought together and some also have family plans for a discounted group rate.

The cheapest travel insurance for visitors to Canada

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.

Need help?
Call us at 1-888-601-9980 or book time with our licensed experts.
SCHEDULE A CALL
/* Custom Archives Functions Go Below this line */ /* Custom Archives Functions Go Above this line */

Travel medical insurance vs. trip interruption insurance

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.

Schedule a call for visitor insurance

Need insurance answers now?

Call 1-888-601-9980 to speak to our licensed advisors right away, or book some time with them below.

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.

Travel medical insurance can cover emergency health care costs while you are travelling.

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.

There are some key differences between trip interruption insurance and trip cancellation insurance.

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.

Find the perfect plan
Make sure you get the best travel insurance for your needs and budget with PolicyAdvisor.
GET QUOTES

Frequently asked questions

What is the difference between trip interruption insurance and trip cancellation insurance?

Trip cancellation insurance reimburses the non-refundable parts of your prepaid travel arrangements if unforeseen events prevent you from going on your journey. In contrast, trip interruption coverage reimburses you if your trip is cut short.

Cancellation coverage typically starts the day after you buy it and covers your trip before departure. But once you’ve departed for your flight, your coverage ends. From that point, your trip interruption plan takes hold instead.

Many insurance companies provide both these types of coverage together under one policy. In both cases, your individual policy determines the amount your insurer reimburses you and the situations that result in coverage. You can generally expect qualifying events to include medical emergencies affecting you or your family members, a death, or other tragedies.

Where can I get travel insurance? 

You can typically obtain travel insurance coverage through the following outlets:

Read our review of the Best Travel Insurance for Visitors to Canada

Is there a package that includes every type of travel insurance coverage? 

Comprehensive travel insurance plans can provide travel medical, trip cancellation, and trip interruption insurance in one purchase. They’re a great option if you’re looking for a one-stop-shop for all your travel insurance needs.

Though note, comprehensive travel coverage is more expensive than any one individual policy. You are getting three forms of coverage after all!

The sum of these three insurance products — trip interruption, trip cancellation, and travel medical insurance — covers you from multiple angles so you can travel with peace of mind.

Speak with an expert insurance advisor from PolicyAdvisor today to learn more about your travel insurance options.

Need help?
Call us at 1-888-601-9980 or book time with our licensed experts.
SCHEDULE A CALL
/* Custom Archives Functions Go Below this line */ /* Custom Archives Functions Go Above this line */

The Canadian guide to travel insurance for students

There’s no denying that travel can be a great experience for students. It broadens horizons, introduces new cultures, and can be a great way to learn more about the world. However, it’s important to remember that travel can also be dangerous.

Accidents happen, and sometimes they can lead to serious injuries or even death. That’s why it’s so important for students to have travel insurance.

Schedule a call for visitor insurance

Need insurance answers now?

Call 1-888-601-9980 to speak to our licensed advisors right away, or book some time with them below.

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 experience a trip interruption or cancellation.

Emergency medical and dental treatments are expensive in Canada, and as an international student, you likely won’t be covered by provincial healthcare. This means that if you experience an emergency, you could be responsible for a large medical bill and out-of-pocket expenses.

Likewise, for Canadian students travelling or studying abroad, it’s important to know that your provincial health plan likely doesn’t extend to other countries.

Learn more about travel insurance.

What types of students need travel insurance in Canada?

Travel insurance for students can mean many different things depending on your home country and reason for travel. They can include:

  • International students studying in Canada
    Students from outside of Canada who come to the country to study are not covered by a provincial or territorial government health insurance plan.
  • Canadian students studying in another country
    When Canadians travel outside of Canada, they do not retain access to public healthcare options in other countries. Many schools require students hold a medical insurance plan before they begin classes.
  • Canadian students travelling abroad
    Many students are afforded the opportunity to travel internationally in the summer months or even when they complete their degree or program. Emergency medical coverage is also important in these circumstances.

Why do Canadian students need travel insurance?

If you are a student and 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 students face when travelling, and travel coverage can help protect them from financial loss in the event of an emergency. If you need medical assistance while abroad, insurance can help cover the cost of your medical bills or return back to Canada if necessary.

Travel insurance is an important consideration for any trip, and it’s especially important if you’re travelling for months on end to a country with higher costs for medical treatments.

Why do international students studying in Canada need travel insurance?

Your trip to Canada is meant to be an experience. If an unexpected medical emergency for visitors to Canada occurs, it can cost you thousands of dollars per day in medical expenses that are not covered by Canada’s public healthcare system.

Travel medical insurance can relieve that potential financial burden and give you peace of mind during your stay, knowing you are covered for any unexpected medical expenses.

Check our our review for the Best Visitor Insurance for International Students in Canada
There are many different types of Travel Insurance for students, foreign workers, snowbirds, super visa holders, and others travellers to/from/within Canada.

What should travel medical insurance cover for students?

Every travel medical insurance policy for visitors is unique, as one has many options when applying for coverage. The main benefits a student should consider are coverage for emergency medical services (including dental), medical transportation, and repatriation (the transportation of your body should you pass away outside of your country of origin).

Most travel medical insurance policies typically cover:

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

Student travel medical insurance policies may cover additional non-emergency medical benefits:

  • Annual medical exams
  • Eye exams
  • Dental exams and cleaning

Lastly, student travel policies often include a modest accidental death or dismemberment benefit to be paid out to oneself or a beneficiary should they become dismembered or lose their life, respectively.

travel insurance for students

Does student travel insurance cover pre-existing conditions?

Most student travel medical insurance policies do not cover a pre-existing medical condition by default. Given the relatively young age of most applicants, pre-existing conditions are not the top concern for students applying for coverage.

However, if you are a student with a pre-existing medical condition, securing coverage that takes your medical condition into account is incredibly important. If your condition is stable, it is typically easier to secure coverage.

In many cases, if you have shown no symptoms or diagnosis of a pre-existing medical condition for 90 to 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.

You should always check the wording of any potential policy for details and to see if your medical condition would be covered during trips outside of your home country.

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

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

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.

Frequently Asked Questions

Which is the best travel insurance company for students?

The best travel insurance company is the one that best suits your needs. Several Canadian insurance companies offer policies specifically catered to students. Providers construct their policies differ from one another, thus each trip may have a best-suited policy from a unique provider. Some of these providers include:

Manulife

  • Offers up to $2 million CAD in coverage
  • Non-emergency medical benefits are included in coverage, including annual medical and eye exams
  • Accidental death or dismemberment also included; including accidents resulting in death, blindness or dismemberment
  • Free Assitance Centre; 24/7 helpline which can help you answer questions about your trip before or after departure

Tugo

  • Offers up to $2 million CAD in coverage
  • Offers coverage for medical expenses incurred by students enrolled in a school in Canada and Canadian students enrolled in a school outside of Canada
  • Non-emergency medical benefits are included in coverage, including annual medical and eye exams, as well as maternity care

Allianz

  • Specific policies for international students studying in Canada
  • Offers up to $5 million CAD in coverage
  • Coverage lasts up to a full year after student has completed studies and works in Canada
  • Option to add spouse and dependents to policy
  • In our review of the Best Travel Insurance for Visitors to Canada, we recommend Allianz as the best choice for international students in Canada

MHS International

  • Specific policies for international students studying in Canada
  • Offers up to $2 million CAD in coverage
  • Three different coverage tiers: Silver, Gold, and Platinum with increasing benefit amounts as you move up
  • Policy offers coverage outside of Canada as long as majority of stay is in Canada (except USA; 30 days coverage only)

Destination Travel Group

  • Offers up to $2 million CAD in coverage
  • Coverage for both students enrolled in a school in Canada and Canadian students enrolled in a school outside of Canada
  • Maternity coverage of up to $25,000 for pre-natal care and involuntary termination of pregnancy or complications
Compare and save
Save money and time when you compare multiple travel medical insurance policies, only with PolicyAdvisor
GET QUOTES

Do students need travel insurance plans if they have credit card coverage?

While credit card coverage is a great add-on, the coverage is often limited. This is especially true considering the extended trip length many students take.

Credit card travel plans provide basic travel coverage, but they have a limited coverage period. As well, it is often only in force if your trip was purchased with the same credit card, and the extended time a semester abroad takes would disqualify coverage in most cases.

Learn more about credit card travel insurance and its limitations.

Can I get coverage through my student union?

Many university and college student unions offer group coverage for students while they attend studies at their respective schools, and include the fees for coverage alongside tuition. While this is an option for international students on each side of the border, the period of coverage for these plans is only in effect while you are enrolled in studies. They rarely offer the flexibility or breadth of coverage an independently owned plan can offer.

/* Custom Archives Functions Go Below this line */ /* Custom Archives Functions Go Above this line */

The Canadian guide to annual multi-trip travel insurance

Do you ever feel like some people know all the tricks to make travelling a breeze? They have packing cubes and luggage trackers. They collect travel points and know about ticket sales. They can always find a good restaurant, a SIM card, and all sorts of insider secrets.

There’s a very good chance that these savvy travellers have an annual multi-trip travel insurance policy. Well-seasoned travellers know that this kind of policy provides coverage on multiple trips throughout the year and is friendlier on their wallets than a single-trip policy.

Below, we’ll dig into what annual multi-trip travel insurance is and why it could be a good fit for you.

Schedule a call for visitor insurance

Need insurance answers now?

Call 1-888-601-9980 to speak to our licensed advisors right away, or book some time with them below.

What is travel insurance?

Travel insurance offers a wide range of protection for travellers when they’re away from home. It can provide emergency medical coverage for visitors and some measure of protection in case of a delayed or cancelled trip. Some types of travel insurance even cover baggage loss or rental cars. And specialized super visa insurance helps cover medical emergencies for the visiting parents or grandparents of Canadian citizens and residents.

Those with travel insurance can feel safe knowing they’re protected in the event of any sort of travel hiccup. Some of the most common types of travel insurance include:

  • Travel medical insurance. Covers any medical emergencies during your trip, including emergency dental treatment.Trip cancellation insurance. Helps cover unexpected costs if your trip is cancelled before your departure.Trip interruption insurance. Helps reimburse the cost of your trip if you unexpectedly have to cut your trip short after you’ve already departed.

Read more about in our Complete Guide To Travel Insurance For Canadians
There are many different types of Travel Insurance for students, foreign workers, snowbirds, super visa holders, and others travellers to/from/within Canada.

Why should I buy travel insurance?

Travel insurance lets you enjoy that exciting trip to Mexico without having to worry about what will happen if there’s an emergency.

While we’d all like to hope that an upcoming trip will be nothing but smooth sailing, the reality is that sometimes unexpected and unfortunate things can happen. Luggage can get lost. Flights can be delayed, forcing you to change plans. Or someone can end up in the hospital.

All of these things can cost thousands of dollars that you didn’t plan on spending. Travel insurance gives you peace of mind knowing that if something happens, you won’t be stuck footing a foreign medical bill or a last-minute hotel booking.

Does travel insurance cover multiple trips?

It can! Depending on the type of insurance you have, you can be covered for anything from a single weekend trip to multiple week-long excursions or whatever travel you have in mind.

Traditionally, when we think of travel insurance, we think of single-trip insurance. But there are other types of insurance that can better suit your needs and save you money.

For instance, you can get an annual travel plan to cover multiple trips instead of just one.

What is annual multi-trip travel insurance?

Annual multi-trip travel insurance is an insurance policy that is valid for a 12-month period of time and covers multiple trips within that timeframe.

With this type of policy, you don’t need to purchase a new policy prior to every trip. It’s a great type of travel insurance for people who travel more than a few times a year.

Multi-trip insurance spares you the hassle of buying travel insurance every single time you book a flight. This spares you from the awful last-minute panic of realizing you forgot to buy travel insurance when you’re already on the plane!

Plus, annual travel plans usually end up being cheaper than buying single-trip insurance if you take a lot of trips in one year. All in all, it’s the most convenient, affordable coverage option for those frequently on the go!

How does annual multi-trip travel insurance work?

Annual multi-trip travel insurance works by providing you coverage for multiple trips you may take in a given year. When purchasing a policy, you’ll select how long you think your trips will be. In addition, you can choose the type of coverage you want as well as any add-on options (typically known as “riders“). It’s as simple as that.

You can pick an annual plan that covers just medical treatment, or go for a multi-trip premium travel plan that gives more comprehensive coverage, including trip cancellation, baggage loss, etc. Plus, optional deductibles can help you lock in lower rates. For instance, choosing a deductible where you pay some costs upfront and the insurance provider takes care of the rest will usually lower the overall price of an annual multi-trip travel insurance policy.

There are tons of options available, so you can customize your plan based on your exact needs.

What does annual multi-trip travel insurance cover?

Your multi trip travel insurance coverage depends on the type of policy you chose to purchase and if your policy has any optional add-ons.

The most popular and comprehensive policies will cover:

  • Emergency medical expenses
  • Trip cancellation and interruption
  • Baggage loss, damage, or delay
  • Travel accident insurance

However, you can find policies for multi-trip travel medical, for multi-trip travel interruption, and other combinations. The coverage you have comes down to the policy you choose.

Does multi-trip cover COVID-19?

Annual travel insurance plans can cover COVID-related travel snags, but this depends on the insurance provider, public health recommendations, and your vaccination status.

For example, if you are not vaccinated against COVID-19, you might not be covered if you contract COVID and have to cancel your trip or receive medical care while travelling.

Or, if a travel advisory has been issued for the specific destination you travel to, COVID-related trip interruptions may not be covered.

However, most travel plans provide some level of coverage in the event you or your travel companion unfortunately contracts COVID and you have to quarantine.

Although COVID-related restrictions have been slowly easing, we still recommend that you confirm coverage with your insurance provider before purchasing a policy. You can also check in with the travel insurance professionals at PolicyAdvisor if you’re unsure. It can never hurt to ask first!

How many days can I travel with an annual multi-trip policy?

When buying an annual multi-trip policy, you can select the average duration of your trips to ensure the proper length of coverage.

So, if you tend to only travel for weekend trips, a policy that covers four days per trip would be great for you. If you are away from home for a week at a time, you’ll want a policy that covers seven-day trips. Or, if you travel for months on end, you should get a policy with 30 days of coverage.

Some plans can cover a maximum trip length of 180 days, so there’s bound to be coverage options for you no matter how long or short your trips are. Most policies allow you to customize the duration and purchase additional coverage for specific trips if you plan on taking a longer trip at any point throughout the year.

Be sure to chat with your advisor to figure out what type of coverage is best for you.

Annual multi-trip travel insurance lets you travel without worrying about whether you're protected if an emergency happens.

How much does annual multi-trip travel insurance cost?

The cost of your annual multi-trip insurance is based on what kind of coverage you buy and your average trip duration. Some bare-bones policies can cost less than $50, while other, more comprehensive coverage can run upwards of $500. It completely depends on what you choose for your specific needs and expectations.

Is multi-trip travel insurance cheaper than single-trip?

If you travel more than a few times a year, purchasing a multi-trip travel insurance policy as opposed to multiple single-trip plans is a great way to save money.

For example, CAA emergency medical coverage for a single four-day trip is $22.50 and annual four-day multi-trip coverage is $45.81. So, for this coverage, if you’re planning on taking more than two four-day trips in a year, annual multi-trip coverage is cheaper.

You can expect a similar trend from most insurance providers. As a rule of thumb, you can expect single-trip travel insurance to cost 5% of your trip. Add that up several times a year and it becomes easy to see why a multi-trip plan might be easier on your wallet than individual policies.

Compare and save
Save money and time when you compare travel insurance policies online, only with PolicyAdvisor
GET QUOTES

Who can benefit most from multi-trip travel insurance?

Anyone who travels frequently can benefit most from multi-trip travel plans. Simply put, this type of travel insurance works best when it’s used to do precisely what the name describes: cover multiple trips in one year.

Multi-trip insurance is all about making it easy for frequent travellers to get as much coverage as they need without the hassle of re-applying every single time. So, if you have a few trips lined up over the course of the next 12 months, this type of plan would be a great fit for you.

The kind of travellers who may benefit most from annual multi trip insurance include:

✔️ Snowbirds

Our beloved Canadian snowbirds routinely head down south once the weather cools down. As travellers who usually spend months away from home, sometimes even two or three times a year, an annual plan is just perfect for them. Some companies have even created travel insurance plans specifically designed for snowbird travel.

Read more about snowbird travel insurance.

✔️ Athletes

Whether amateur or professional, athletes can travel multiple times over the course of a year to attend or participate in sporting events. Annual multi-trip travel insurance is a good option for them! But athletes should carefully check the policy to make sure the sports they plan to take part in are actually covered under their plan.

Read more about travel insurance for athletes.

✔️ Businesspeople

Business travel has been picking up again now that pandemic restrictions are slowly easing. Some people need to travel often for their work, whether for business trips, conferences, seminars, etc. C-suite executives, for instance, or similar frequent flyers can save time and money with annual multi-trip travel insurance.

✔️ Remote workers

The pandemic also made remote work more widespread than ever. And remote workers, or “digital nomads” have started a trend of travelling all over the world to work remotely. Some remote workers spend a few weeks in one location before moving onto the next. An annual travel plan is perfect for someone planning on working remotely abroad for extended periods of time.

✔️ Families

Some families make annual trips a tradition, meeting up for a family vacation in the summer or winter break. While many insurers offer family discounts for single-trip plans, a family that makes a habit out of travelling might want to compare the cost of an annual travel insurance plan. Especially if they’re likely to travel at least twice per year.

Of course, this list isn’t exhaustive. There are tons of reasons why a multi-trip insurance policy may be the best plan for a given traveller.

Do I need multi-trip travel insurance?

It all depends on your unique circumstances. Annual travel insurance plans come with many benefits, but they aren’t for everyone.

The cost may not be worthwhile if you only take 1 or 2 quick trips per year. Or, if you travel infrequently and already have some other form of coverage, that may be perfectly adequate for your needs. For example, if you have a group travel insurance plan through your employer, and you only need to take a one-off weekend trip to the next province over, your group coverage may well work just fine.

Of course, we absolutely recommend that you still get travel insurance even for trips that are short in both duration and distance. But getting full annual multi-trip insurance may be a bit excessive for this type of travel plan.

If you’re wondering whether an annual multi-trip plan is right for you, reach out to us by chat or give us a call. We’re happy to help you assess your needs and determine what plan would work best!

Where can I buy multi-trip travel insurance?

Some of the biggest insurance companies in Canada have annual multi-trip travel plans that we can recommend, such as:

  • Allianz Global Assistance
  • Manulife
  • Tugo
  • 21st Century
  • Destination Canada
  • GMS

But you don’t have to call around looking for the best option – simply let us help! Connect with one of our travel insurance specialists to find the best annual multi-trip travel insurance policy for you and all your travel needs. Bon voyage!

Need help?
Call us at 1-888-601-9980 or book time with our licensed experts.
SCHEDULE A CALL
/* Custom Archives Functions Go Below this line */ /* Custom Archives Functions Go Above this line */

Guide to snowbird travel insurance for Canadians (2025)

Every year, thousands of Canadians say goodbye to the Great White North as they embark on long trips abroad to escape the cold winter months. But, like many travellers, the topic of insurance may not cross these snowbirds’ minds until they’re on the plane. By then it may be too late.

Travel insurance is great for emergency expenses on shorter trips. But, what do Canadians rely on for peace of mind when they’re spending months abroad? This article will go into detail about how snowbirds can make sure they don’t have to pay a lot of money if they have an emergency while away from home.

Schedule a call for visitor insurance

Need insurance answers now?

Call 1-888-601-9980 to speak to our licensed advisors right away, or book some time with them below.

What is snowbird travel insurance?

Snowbird travel insurance is a special type of travel insurance just for Canadians who go on long trips away from their home area. These plans mostly offer good deals for seniors because they are the main group of snowbirds.

One of the main differences between regular travel insurance and snowbird travel insurance is how long the plans last. Regular travel insurance covers shorter trips, up to 21 days away from home. But snowbird travel insurance can cover up to 212 days.

When buying a travel insurance plan, snowbirds can choose one of the following:

  • Single-Trip Plan: Covers just one trip
  • Multi-Trip Plan: Covers more than one trip taken within a year
  • Top-Up Plan: Extends coverage if they stay away for longer
Blue bulb

Did you know?

Canadian “snowbird” travellers are called that because they travel south away from Canada when it gets cold, just like some species of birds do. It’s an affectionate and fitting nickname!

What is a snowbird?

A snowbird is a Canadian who travels away from home to spend their winter months somewhere with a warmer climate. Most snowbirds are retired Canadian seniors. Some of the most common places snowbirds travel to include:

  • Florida
  • California
  • Costa Rica
  • Mexico
  • The Caribbean

Snowbirds usually spend months living in a warmer country during the winter. Or, they may “hop” to a few different places before returning back home to Canada once the weather’s warmer.

Travel insurance for Canadian snowbirds covers several things.

Why do snowbirds need travel insurance?

Travel insurance policies can help snowbirds pay for unexpected travel expenses that may come up on their journey to or during their stay in countries with warmer climates. And snowbirds have special considerations to keep in mind:

1 Longer trips = greater risk

The chance that someone will have an emergency during a weekend trip is generally much lower than if they spend months away from home. For snowbirds who travel for months at a time, the chance that they will have an accident is higher.

So, it’s a good idea to make sure you have protection if you’re going farther away from home and for a much longer period of time. Just think of it this way — there’s a huge difference between spending a few days in Montreal versus spending four months in Miami.

2 Older travellers are more likely to need health care

Especially because most snowbirds are older, they need to make sure they have travel medical coverage. This is because older people are more likely to have health problems that might need medical help. A pre-existing health condition is when someone already has a health problem before they get insurance. It’s common for older people to already have health issues — like high blood pressure, diabetes, or cancer — so travel insurance for snowbirds keeps this in mind.

This is not to say that seniors can’t be perfectly healthy and fit. But if an emergency happens, you’d definitely want to get high-quality care as soon as possible to start recovery.

3 Medical expenses can be extreme away from home

Even if you only travel to a nearby province, costs can quickly add up if an emergency happens. A lot of people don’t realize this, but your government health insurance plan doesn’t actually cover a lot of medical care once you leave home. Even less is covered once you leave the country.

Depending on how long you travel for, your government health insurance plan may even lapse, leaving you with no coverage at all. This means you would be paying out of pocket for any medical attention you need. And 212 days, or about 7 months, is a long time to not have any insurance.

Medical costs in other countries can get expensive. For example, the United States is known for having an extremely high cost of health care. Travel health insurance will help make sure you don’t have to pay for everything in case the worst happens while you’re away.

Does OHIP cover snowbirds?

Yes, the Ontario Health Insurance Plan (OHIP) and other provincial health insurance plans can cover Canadian snowbirds in some cases. But it’s very limited coverage. They will only pay for a very small amount of your medical expenses if you get sick outside of Canada. Or they may not pay for anything at all. And, if you stay outside of Canada longer than the allowed number of months, it will stop covering you.

This is why the Canadian government says that any Canadian going on a trip — including snowbirds — should make sure they get their own travel medical insurance plan for visitors. It’s the best way to avoid having to pay extremely high bills if you need medical care while away from home.

Travel to paradise with peace of mind
Save BIG on snowbird travel insurance when you compare plans online with PolicyAdvisor!
GET STARTED

How does snowbird travel insurance work?

With snowbird travel insurance, you pay a fee (premium) to an insurance company and in return, they will help pay for costs that may come up if you have a travel emergency. As with most travel insurance, snowbirds customize their plan to fit their needs. They have to pick:

  • Coverage amount (ex: $500,000, $1M – $5M, etc.)
  • Coverage period (number of days)
  • Deductible options (how much you would have to pay in an emergency before insurance kicks in)
  • Type of coverage (ex: medical only, trip interruption/cancellation, or more)

They also have to meet certain requirements to get a travel insurance plan, which we’ll discuss more later in this article.

Author Photo
Snowbird insurance is well worth the peace of mind of knowing that you’re covered in case an emergency happens abroad.
Polygon for chat box pointer
Jiten Puri
CEO, PolicyAdvisor.com

What does snowbird travel insurance cover?

Snowbird travel insurance usually refers to emergency medical travel plans that help pay for costs if you suddenly have to see a doctor or go to the hospital while you’re away from home.

But it can also cover emergencies that aren’t about your health. Snowbird travel plans can cover things like:

  • Trip cancellation
  • Trip interruption
  • Lost or stolen baggage
  • Emergency healthcare (hospitalization fees, ambulance fees, etc.)
  • Emergency dental treatment
  • Prescription drugs
  • Emergency evacuation
  • Emergency repatriation of remains
  • 24-hour travel assistance services
  • Pre-existing medical conditions
  • And more

What you’re covered for depends on the type of travel plan you get and who your insurance company is. You should check the policy wording before you buy a plan to make sure that it covers everything you need. Or, you should speak with one of our travel insurance specialists so they can help you get the plan you need.

What does snowbird travel insurance not cover?

In general, travel insurance will not cover:

  • Routine checkups
  • Planned medical procedures
  • Cosmetic surgery
  • Planned dental expenses

Insurance companies will list anything they won’t cover in a section called “exceptions” in the policy wording. Be sure to carefully read this section or speak with an insurance advisor to find out what you are and are not covered for.

Do snowbird travel insurance plans cover pre-existing health conditions? 

Yes, snowbird travel insurance plans can cover pre-existing health conditions that are stable. This means the health issue must not have:

  • Gotten worse
  • Caused new symptoms
  • Needed a new diagnosis
  • Needed new treatment

Insurance companies also look at how long a pre-existing medical issue has been stable. Different companies have different rules about this length of time. They call this a “minimum stability period”. It means that they will only cover a pre-existing condition if it has been stable for at least that amount of time. It’s usually for 90-180 days.

Travel insurance can depend on the traveler meeting a minimum stability period for pre-existing conditions.

Insurance companies do this because they want to be sure your medical condition won’t cause problems when you’re away for an extended period of time. This is especially for snowbirds, who may be away from home for months at a time.

Some travel insurance companies may not ask you to meet the minimum stability period. Others, like Tugo, may have a special plan for unstable pre-existing conditions coverage. But these types of policies may be rare and will likely be more expensive.

What do Canadians need to get snowbird travel insurance?

To be eligible for snowbird travel insurance plans, travellers usually have to be:

  •  At least 55 years old
  • A Canadian citizen or permanent resident
  • Travelling outside of their home province or territory for between 90 to 212 consecutive days

But different types of travel plans can also have different rules. For example, if someone buys annual multi-trip insurance that covers more than one trip they go on in a year, the company may have rules about how many days can be covered for each trip. (Learn more about annual multi-trip travel insurance)

Also, if you’re younger than 55, don’t worry! This is just a general rule for some travel insurance companies. Many other companies have travel insurance options for anyone older than 18 days old! So, you likely have a lot of insurance choices for your travels even if you can’t get some companies’ specific snowbird plans.

You should find out the exact details of any insurance plan you may be interested in. Read the policy wording or speak with one of our expert advisors to find out what the requirements are and make sure you have adequate coverage for your trip!

How much does snowbird travel insurance cost?

Snowbird travel insurance rates depend on:

You can expect a snowbird travel insurance policy to cost hundreds. But the cost is well worth the peace of mind of knowing that you’re covered in case an emergency happens. And it’s still far cheaper than the hundreds of thousands in medical costs you could have to pay for emergency health care. The table below shows some costs from top providers.

How much does a snowbird travel insurance policy cost?

Company Premium (one-time cost)
MSH $920
Tugo $990
21st Century $1,070
Manulife $1,070
Destination Canada $1,120
GMS $1,310

*Quotes based on $5 million in coverage for a 55-year-old traveller and a 180-day, single-trip, emergency medical travel insurance plan, $0 deductible. Stable pre-existing conditions coverage included. 

This is just an example, but keep in mind that prices can change based on the factors we mentioned earlier in this article. For instance, choosing higher deductible options would make your premium lower. Or getting coverage for $1 million instead of $5 million would also change the price. You might also be able to get a discount for travel within Canada.

Several factors can affect the cost of health insurance for visitors to Canada.

You can easily get a snowbird travel insurance quote on PolicyAdvisor.com! We have a free quoting tool that lets you customize your plan and see travel insurance options from more than 30 of Canada’s best insurance companies in less than a minute. Plus, you can call us or chat with one of our travel insurance specialists online if you want a professional to help you out.

Which Canadian insurance companies offer snowbird travel insurance?

Many Canadian insurance companies sell travel insurance that snowbirds can use when they travel for the winter. Only some companies have travel packages that are just for snowbirds, though. Some of these companies are:

✈️ Blue Cross

A lot of Canadians recognize Blue Cross. They’re known for their travel insurance plans, and they offer really good rates to seniors. Blue Cross’ snowbird plans cover up to $5 million in emergency medical expenses. And they cover stable pre-existing conditions.

✈️ Desjardins

Desjardins is another insurance company that a lot of Canadians know about. They’re mostly known for other types of insurance products, but they offer travel insurance too. Their travel insurance plans for Canadian snowbirds cover up to $5 million for medical emergencies for visitors to Canada.

✈️ Group Medical Services (GMS)

GMS may not be as well-known, but they’re a good travel insurance company. They can also give Canadian snowbirds up to $5 million for emergency healthcare coverage. GMS’ snowbird travel insurance plans cover stable pre-existing health conditions. And they let you extend your plan day-by-day if you need additional travel insurance coverage.

✈️ Medipac

Medipac is another Canadian insurance provider that covers stable pre-existing conditions and can cover up to $5 million for urgent health care for snowbirds.

Where to find the best snowbird travel insurance?

Canadian snowbirds can find the best travel insurance policy for their needs at PolicyAdvisor.com! The best snowbird travel insurance policy is the one that meets your specific needs and budget. And you can easily shop around for the perfect one on our website.

There are a lot of different factors to consider when choosing a plan, so it’s important to do your research and compare or speak with one of our expert advisors who can help find the plan that works best for you.

Tip

Travel Insurance Tip

You should get travel insurance before your trip starts and long before you’re even at the airport. Many snowbirds get their travel insurance as soon as they confirm their travel dates.

Can snowbirds get travel insurance through their credit cards?

Yes, Canadian snowbirds can get some form of travel insurance coverage through their credit cards. Many travel credit cards now come with “perks” like travel insurance. But, we strongly advise Canadian snowbirds not to rely on this type of coverage.

Credit card travel coverage usually comes with a lot of rules about what’s not covered. Many of them also only cover you for a very short period of time, so they’re not a great choice for snowbirds who travel away from home for months. They can also have rules like only covering one person, or not covering anyone who’s older than age 65.

If any traveller has credit card travel insurance, they should use it but still get their own travel plan too. This will make sure they actually get the coverage they need. And this is especially important for snowbirds, since they travel so far away for so long, and since they may need something to cover health issues they already have.

Credit card travel insurance can have many limitations compared to individually owned travel insurance.

Can snowbirds get travel insurance after leaving Canada?

Yes, it is possible to get travel insurance after you’ve already left Canada — but here’s why waiting until the last minute is not a good idea:

⚠️ You’ll have fewer options

Not every company lets you buy travel insurance once your trip has already started. This limits your choices and your chance of getting the best possible plan.

⚠️ You’ll leave yourself vulnerable to mishaps

Even if the company lets you buy the policy later on, they will make you wait up to 2 days (or 48 hours) before the plan actually starts. If any emergency happens during those 2 days, or during travel when you’re on your way to your destination, you would not be covered. That would leave you stuck with out-of-pocket expenses for anything from flight delays and unexpected hotel stays to emergency hospital visits.

It’s always a much better idea to get your travel insurance before your trip starts and long before you’re even at the airport. A lot of snowbirds arrange their travel insurance right when snowbird season starts and they decide which dates they’re going to leave and come back.

When is it too late to buy travel insurance?

Generally speaking, it’s too late to buy travel insurance if you’re already abroad and an emergency is happening. So, you absolutely do not want to get to that point! Speak with one of our advisors to get a travel insurance quote and make arrangements ahead of time.

Do travel advisories affect snowbird insurance coverage?

Yes, travel advisories affect whether snowbird travel insurance will cover you or not. This is the same for any travel insurance plan. If there is a travel advisory against your destination of choice but you still go there, your insurance company won’t cover you.

Travel advisories are just one of the cases where travel insurance won’t cover you — these are called “exceptions”. There are other exceptions too. For instance, if you go on a trip even when your doctor has told you not to travel. In this case, the travel insurance company again won’t cover you. Check your policy to find out what all of the exceptions for your snowbird travel plan are.

Is COVID-19 covered under snowbird travel insurance plans?

Yes, most snowbird insurance policies cover emergencies related to COVID-19. When the pandemic just began, there was some confusion about what would be covered and what wouldn’t. But most travel insurance companies quickly adjusted to include it in their plans. That means most travel insurance plans will cover unexpected costs related to COVID-19, like quarantine or medical treatments.

Read more about COVID-19 travel insurance coverage.

How to get professional insurance advice? 

If you need help finding the best snowbird travel insurance, or if you’re unsure about something, don’t forget that you have a free resource available in us! The friendly, licensed agents at PolicyAdvisor are here for you if you need support. Click the button below to schedule a call and speak to an advisor when it’s convenient for you!

Need help?
Call us at 1-888-601-9980 or book time with our licensed experts.
SCHEDULE A CALL
/* Custom Archives Functions Go Below this line */ /* Custom Archives Functions Go Above this line */