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Coverage for Canadians travelling abroad and visitors coming to Canada
Travel insurance quotes, made simple
Whether you’re a Canadian heading abroad, a snowbird wintering down south, or welcoming family visiting Canada, the right travel insurance protects you from unexpected medical bills, trip cancellations, and other costly surprises. But coverage, limits, and fine print vary a lot between insurers.
That’s where PolicyAdvisor comes in. As an independent brokerage, we compare travel and visitor-to-Canada plans from Canada’s top insurers and help you choose the right coverage at the lowest rate, with expert guidance from a licensed advisor at no cost to you.
Travel insurance for every kind of trip
From a quick trip across the border to months abroad, or family visiting Canada, there’s a plan to match.
Travelling Canadians
Emergency medical, trip cancellation, lost baggage, and delays while you're abroad.
Snowbirds
Extended coverage for Canadians spending winters in the U.S. or warmer destinations.
Visitors to Canada
Emergency medical coverage for visitors and new immigrants without provincial health care.
Super Visa
Super Visa-compliant coverage for parents and grandparents visiting Canada.
International Students
Medical protection for students studying in Canada or Canadians studying abroad.
Foreign Workers
Medical coverage for foreign workers living and working in Canada.
Travel insurance vs. visitor to Canada insurance
Two different products for two different journeys. Here’s how they compare.
Travel insurance
- ✓Emergency medical expenses while outside Canada
- ✓Trip cancellation & trip interruption
- ✓Lost, stolen, or delayed baggage
- ✓Flight delays & missed connections
- ✓Single-trip or multi-trip (annual) options
Visitor to Canada insurance
- ✓Emergency medical & hospitalization in Canada
- ✓Physician visits, prescriptions & diagnostics
- ✓Ambulance, repatriation & emergency dental
- ✓Pre-existing condition coverage options
- ✓Super Visa-compliant plans available
Get your personalized quote in minutes.
Compare tailored travel insurance quotes and find the right coverage for your trip, with expert advice from PolicyAdvisor at no cost..
Best travel insurance companies in Canada
We compare these top-rated Canadian insurers to find you the right plan at the best price, whether you’re heading abroad or welcoming visitors to Canada.
For Canadians travelling abroad
Up to $10 million in emergency medical, direct billing, and 24/7 worldwide assistance.
High coverage limits with flexible annual multi-trip plans and round-the-clock assistance.
Most sports and adventures, from ziplining to scuba, covered without special riders.
Coverage from around $39 with monthly installments and no maximum age limit.
For visitors to Canada
Customizable deductibles from $0 to $3,000 with coverage up to $1,000,000.
An exceptionally short 7-day stability period for unstable pre-existing conditions.
AD&D and repatriation benefits built directly into the policy, with no deductible.
No medical questionnaires for anyone under 55, with zero waiting periods.
How much does travel insurance cost in Canada? (2026)
There’s no single price for travel insurance, your premium depends on your trip and travellers. A short cross-border trip can cost just a few dollars, while longer trips or visitor and Super Visa plans cost more.
The fastest way to know your price is to get a quote. A licensed PolicyAdvisor advisor will compare top insurers to find you the lowest rate, at no cost.
Get your personalized quote in minutes.
Compare tailored travel insurance quotes and find the right coverage for your trip, with expert advice from PolicyAdvisor at no cost.
- Emergency medical coverage
- Compare top insurers
- Single & multi-trip plans
Why get your travel insurance quote through PolicyAdvisor?
- Compare top travel insurers in one place
We shop Manulife, Allianz, Tugo, GMS and more so you get the right travel or visitor coverage at the lowest rate, free. - The right medical coverage for your trip
Our advisors help you choose the right coverage amount, deductible, and pre-existing condition options so you’re protected if something happens abroad. - Covered in minutes, even last minute
Leaving tomorrow or hosting family on a Super Visa? Get a quote and buy online in minutes, with no paperwork hassle. - Help with claims, wherever you are
If you need to make a claim or change your plan mid-trip, your PolicyAdvisor advisor is here to help.
Frequently Asked Questions
What is the difference between travel insurance and visitor to Canada insurance?
Travel insurance is designed for Canadians travelling outside Canada and covers emergency medical expenses, trip cancellation, lost luggage, and travel delays. Visitor to Canada insurance is for non-residents or new immigrants visiting Canada and primarily covers medical expenses here, like hospitalization, physician visits, ambulance services, and prescription drugs, since visitors may not have provincial health coverage. Unlike travel insurance, it does not typically cover trip cancellation or lost luggage.
What does travel insurance cover?
Travel insurance typically covers trip cancellation, trip interruption, lost or stolen baggage, baggage delay, and flight delays or missed connections, along with emergency medical care while you’re abroad. Coverage and limits vary by plan, so an advisor can help you match a policy to your trip.
What does visitor to Canada insurance cover?
Visitor to Canada insurance can include physician consultations, prescription drugs, diagnostic tests, paramedical services, emergency dental care, accidental death and dismemberment, ambulance transportation, repatriation, and optional pre-existing condition coverage, plus support like hotels and meals depending on the plan.
Do parents and grandparents on a Super Visa need insurance?
Yes. A Super Visa requires applicants to hold valid Canadian medical insurance that meets minimum coverage requirements for the duration of their stay. PolicyAdvisor offers Super Visa-compliant plans and can confirm the current requirements for you.
How much does travel insurance cost in Canada?
Cost depends on factors like the travellers’ ages, trip length and destination, the coverage amount and deductible you choose, and whether you need pre-existing condition coverage. The fastest way to know is to get a quote, our advisors compare top insurers to find you the lowest rate at no cost.
