compare travel insurance for visitors to canada

CoverMe ® travel insurance for visitors to Canada

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Help cover emergency medical expenses while visiting Canada

Canada has lots to offer, including free health care but only for its residents. When you or your loved ones visit Canada, emergency medical expenses could leave you burdened with hefty bills. With Manulife CoverMe Travel Insurance for Visitors to Canada, you can get help covering unexpected medical expenses such as prescription drugs, dental, hospital, and healthcare practitioner services, so you don’t end up paying out-of-pocket.

Travel plans for Visitors to Canada

All plans meet the requirement of super visa for parents and grandparents. 

This plan helps protect you from emergency medical expenses, so you can focus on experiencing Canada.

• Covers up to the limit you select up to CAD $200K
• No medical questionnaires required
• No coverage for pre-existing medical conditions
• No age limit

Get help with covering the cost for medical emergencies in Canada —even with some pre-existing medical conditions.

• Coverage for pre-existing medical conditions that did not exist within 180 days prior to the effective date 1
• Includes dental, and accident death and dismemberment coverage
• Apply up to age 85

Our most comprehensive plan to help you from emergency medical costs, even if you have a stable pre-existing medical condition.

• Coverage for pre-existing medical conditions that have been stable 2 for at least 180 days
• Includes dental, and accident death and dismemberment benefits

Download a detailed comparison chart for visitors to Canada (opens PDF)

Why Manulife

Our Visitors to Canada travel plans are comprehensive and flexible – all have the following benefits:

• Access to Manulife’s Travel Assistance 24/7 – 365 days a year
• Receive a full refund if your plans change or get cancelled before the effective date
• Side trips are covered when you travel to another destination from Canada 3

Ready to buy?

You can get a quote and purchase Manulife travel insurance online through Manulife CoverMe.

Visitors to Canada travel insurance is highly recommended to prevent you from paying out-of-pocket for expensive health care services in case of a health emergency. Purchasing visitors to Canada travel insurance is mandatory if you are applying for super visa for parents and grandparents. 

It is best to purchase visitor to Canada insurance before your arrival. This is because if you purchase the insurance after you arrive, there is a waiting period. A waiting period is an amount of time that you need to wait after purchase or after your arrival in Canada before you’re covered.

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Visit our dedicated travel portal to start a claim. First-time on the site? Simply register, activate your account, and sign in.

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Explore out-of-province or country with less worry with coverage for emergency medical, flight cancellations and delays, and more.

Travel Insurance for Students

Get help with medical expenses when studying away from home – either in Canada or abroad.

1 No coverage is provided for pre-existing medical conditions that existed within 180 days prior to the effective date. For example, if your travel date and policy effective date is June 30 th , then any pre-existing medical conditions that existed between January 1 st and June 30 th are not covered.

2 A pre-existing medical condition is considered stable when all of the following statements are true:

• There has not been any new treatment prescribed or recommended, or change(s) to existing treatment (including a stoppage in treatment), and
• There has not been any change in medication, or any recommendation or starting of a new prescription drug, and
• The medical condition has not become worse, and
• There has not been any new, more frequent or more severe symptoms, and
• There has been no hospitalization or referral to a specialist, and
• There have not been any tests, investigation or treatment recommended, but not yet complete, nor any outstanding test results, and
• There is no planned or pending treatment.

3 A side trip is any trip taken to other countries from Canada (starts and ends in Canada) during the duration of your policy. Side trips do not cover your country of origin. Side trips must not exceed the lesser of 30 days/policy or 49% of the total number of coverage days in your policy.

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Visitors to Canada Insurance: Your Complete Guide

Are you planning a trip to Canada or maybe you are expecting your family members to visit you from abroad? Ensuring you or your loved ones have the right insurance coverage is crucial for a worry-free visit. In this comprehensive guide, we’ll explore everything you need to know about visitors to Canada insurance. From understanding the coverage options to finding the best policy for your needs, let’s dive in.

Why Visitors to Canada Insurance Matters

When traveling to Canada, it’s essential to purchase travel insurance to safeguard against unforeseen circumstances. According to statistics, medical emergencies are the most common reason for insurance claims by travelers to Canada, accounting for approximately 50% of all claims. Without adequate insurance, visitors could face exorbitant medical bills, with the average cost of a hospital stay in Canada exceeding $7,000 per day for foreign visitors .

Understanding the Insurance Coverage for Visitors to Canada

Visitors to Canada insurance provides coverage for various emergencies and expenses that travelers may encounter during their stay. This includes coverage for medical emergencies, such as hospitalization, doctor visits, and prescription medications. Additionally, such policies may offer protection against trip interruptions, trip cancellations, and emergency medical evacuation. However, it’s important to review the policy details carefully, as coverage limits, deductibles, and exclusions may vary depending on the insurance provider and plan.

Who Needs Insurance?

While purchasing travel insurance is not mandatory for all travelers, it is highly recommended for anyone planning a trip to Canada, regardless of the duration of their stay. Tourists, family visitors, and business travelers can all benefit from insurance to protect against unexpected emergencies and expenses. Moreover, individuals applying for the Super Visa, which allows parents and grandparents to visit family in Canada for up to two years at a time, are required to have valid medical insurance coverage.

How to Choose the Right Policy

Selecting the right visitors to Canada insurance policy involves considering various factors, such as coverage limits, deductibles, premiums, and policy exclusions. To find the best policy for your needs, it’s essential to compare different insurance providers and their offerings. Additionally, travelers should assess their specific needs and travel plans to customize their insurance coverage accordingly. By understanding the policy details and asking the right questions, you can ensure you or your family members have adequate coverage for their trip to Canada.

Introducing ClearCompare.ca: Comprehensive and Personalized Coverage

ClearCompare.ca is proud to be a leading Canadian insurance provider specializing in travel insurance for pre-existing conditions, including for visitors to Canada that are applying for the Super Visa. We firmly believe that having a pre-existing condition shouldn’t hinder your ability to explore the world and enjoy your travel experiences to the fullest.

Frequently Asked Questions About Visitors to Canada Insurance

• While some travel insurance policies may provide coverage for trips to Canada, it’s essential to review the policy details carefully to ensure it meets the requirements for visitors to Canada insurance.
• ClearCompare offers visitors to Canada policies that cover for pre-existing medical conditions, depending on the policy terms and conditions. 
• In the event of a covered emergency or expense, travelers can file a claim by contacting our claims department and providing the necessary documentation, such as medical records and receipts.

Don’t let unexpected emergencies or travel disruptions ruin your trip to Canada. With ClearCompare, you can travel with confidence, knowing you’re protected against unforeseen events. Use this guide to make informed decisions about your insurance coverage and, when you are ready to travel, give us a call to get coverage and enjoy a safe and memorable visit to the Great White North.

Call for personal service: 416-814-5591

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Are you a non-resident visiting Canada?Avoid out-of-pocket expenses and travel with peace-of-mind.

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Note that we do not quote multi-trip plans. If you want a quote for a multi-trip plan please  contact us .

*  $150,000 is only available for those people aged 69 or less.

**  There is a waiting period if you purchase your policy after arriving in Canada.

***  72 hour waiting period only applies if policy is purchased within 30 days of arrival in Canada.

****  There is a 48-hour waiting period following your effective date of insurance if you purchase your policy: after the expiry date of an existing Manulife policy or; after you leave home (a claim due to sickness during a waiting period is not covered).

*****  If 85 or under and your effective date of insurance is within 30 days of arrival in Canada then the wait period is 48 hours. If 85 or under and coverage is purchased more than 30 days after arrival then the wait period is 7 days. If age 86 or over and coverage is purchased at any time after your arrival in Canada, then the wait period is 15 days following the effective date of this policy.

1  Dependent upon age(s) of the insured.

2  Refunds available only if there have been no claims (or pending claims) for that policy.

3  Waiting period does not apply to medical emergencies resulting from injury. Also, there is a 7 day waiting period if you apply for coverage and have been in Canada for more than 30 days.

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• Key takeaways

Does US health insurance work in Canada?

Why should i get travel insurance for my trip to canada, our best travel insurance for visitors to canada, how much does travel insurance for canada cost, what types of travel insurance do i need for canada, what doesn’t travel insurance for a trip to canada cover, tips for choosing the best travel insurance for canada, canada entry requirements & travel information, canada travel insurance faqs, related topics.

Travel Insurance to Canada: Tips & Quotes for US Visitors

• Despite having a robust public health system, there is no free health insurance in Canada for visitors, and most US health insurance will not work in Canada.
• You’ll have to pay out of pocket for any medical treatment you receive while in Canada unless you have a travel insurance policy.
• Based on our research, our top picks for Canada travel insurance come from Tin Leg, Seven Corners, Generali Global Assistance, Travel Insured International, and IMG . ( skip ahead to view these insurance plans )
• To help you find the right travel insurance for your trip to Canada, try using an online comparison tool . This way you can get multiple quotes and compare your options easily in one place.

Our top picks for the best canada travel insurance

• Tin Leg: Best for High Medical Coverage
• Seven Corners: Best Coverage for Pre-Existing Conditions
• Generali Global Assistance: Best Basic Coverage
• Travel Insured International: Best for Medical Evacuation Coverage
• IMG: Best for Travelers Aged 80+

Our top picks for the best travel insurance for Canada

Seven Corners

Generali global assistance.

US government health plans such as Medicare, Medicaid, Tricare, and the State Children’s Health Insurance Program will not pay for health care while in Canada . This includes treatment such as hospital visits and the supply of prescription drugs.

The only exceptions to these rules are where you require emergency medical treatment within the US and the closest hospital is across the Canadian border. Also, if you are passing through Canada between Alaska and a US state and a medical emergency arises.

When planning your visit to Canada, insurance may not be top of mind. However, an emergency can happen at any time, making travel insurance helpful in the following situations:

• Accidents: If you’re in a car accident, fall down the stairs at your hotel, or injure yourself while sightseeing, travel medical insurance will cover the cost of diagnosing and treating your injuries.
• Illnesses: Even if you’re healthy, there’s a chance you could come down with food poisoning, develop appendicitis, or display symptoms of another serious illness while you’re in Canada. If this happens, your American health insurance won’t foot the bill, nor will Canada’s publicly funded health care system. Travel insurance will cover your medical expenses, including X-rays, blood tests, CT scans, physical exams, and medications.
• Cancellations : No matter how much planning you do, there’s always a chance that you’ll have to cancel your trip due to an emergency. If you don’t have travel insurance, you may not be able to get any of your money back.
• Medical evacuation : If your travel plans include rural areas with limited access to health care services, you may need to be evacuated to another area. Travel insurance often includes coverage for medical evacuations.

Best for High Medical Coverage

Why we like it.

Editor's take

Tin Leg’s Gold policy is renowned for offering top-quality travel insurance at reasonable prices and at a competitive rate.

AM Best rates all of Tin Leg’s policies at A- or higher when it comes to their financial strength and Tin Leg’s Gold plan is no different. What makes this policy stand out is its great medical and evacuation coverage limits, all offered at an affordable price.

With both trip cancellation and interruption coverage offered for numerous instances, including COVID-19, you will covered should the worst happen while visiting Canada. The high coverage of $500,000 for emergency medical expenses and up to $500,000 in emergency medical evacuation coverage both make the Tin Leg Gold policy a popular travel insurance choice.

Read our full review

• Excellent primary coverage for medical expenses
• High limit for emergency evacuation coverage
• Optional cancel for any reason (CFAR) coverage available
• Comes with coverage for hurricanes and inclement weather
• Coverage for pre-existing conditions is available if purchased within 14 days of the trip deposit
• Baggage delay coverage requires a 24-hour waiting period
• Low coverage limits for baggage and personal effects

Best Coverage for Pre-Existing Conditions

This Trip Protection Choice plan from Seven Corners offers great all-around coverage at a competitive price. Although at the lower end of the price spectrum, Trip Protection Choice provides travelers to Canada with a reassuring $500,000 in primary medical coverage. To match this high level of coverage, this plan from Seven Corners also offers $1 million in medevac and repatriation coverage, which is some of the highest around.

Further popular additions include trip cancellation, interruption, and delay coverage, accidental death & dismemberment coverage, baggage damage and loss coverage, and a 14-day money-back guarantee.

Trip Protection Choice is a great choice for those with pre-existing conditions. The pre-existing conditions waiver stipulates you can be covered if:

• The policy payment & enrollment form is received within 20 days of the initial trip payments/deposits and within 15 days of payment for any subsequent travel arrangements added to your trip
• You or your traveling companion are medically able to travel and at the time your premium is paid based on the assessment of a physician.
• Offers coverage for pre-existing conditions
• Money-back guarantee
• Cancellation & Interruption coverage standard
• Covers action sports & equipment
• Cancel for any reason not included standard
• Must meet waiver for pre-existing conditions to be covered

Best Basic Coverage

Generali Global Assistance offers high coverage limits for medical expenses, emergency dental expenses, emergency medical evacuation coverage, and so much more for your visit to Canada. With an A rating from AM Best, it is no wonder that Generali Global Assistance is one of the more popular choices when it comes to travel insurance.

Generali Global Assistance’s Standard plan is fantastic for those who are looking for basic coverage at an affordable price. Offering both trip cancellation and interruption, this standard plan is perfect for countering those unforeseen circumstances.

Other Standard plan perks include $1,000 per person in baggage coverage, up to $50,000 in medical coverage, and $250,000 in medical evacuation coverage.

• Lowest cost of all Generali Global Assistance plans
• 24/7 emergency travel assistance included
• Telemedicine included
• Lower coverage than other Generali plans
• Pre-existing conditions are not covered by the Standard plan
• No coverage for accidental death and dismemberment during on-land travel

Best for Medical Evacuation Coverage

Travel insured international.

Travel Insured International’s Worldwide Trip Protector offers superior coverage and is ideal for those looking to take a trip over the border to Canada. This plan covers 100% of the insured trip cost due to cancellation, 150% of the insured trip cost due to interruption, and $1,500 for trip delays.

A popular perk is the Worldwide Trip Protector $500 coverage for baggage delays after only 3 hours. When it comes to medical coverage, Worldwide Trip Protector provides $100,000 of secondary medical coverage and $1 million of evacuation coverage - ideal if the worst should happen in the Canadian wilderness.

• Travel delay coverage kicks in after just six hours
• Generous $150,000 non-medical evacuation coverage
• CFAR and IFAR coverage not included
• Baggage delay coverage only kicks in after 12 hours
• No rental car coverage

Best for Travelers Aged 80+

IMG’s iTravelInsured Travel LX Basic is a great plan for travelers of all ages and offers fantastic coverage for surprisingly low prices. For example, with this plan, you will be covered for up to $500,000 of primary emergency medical coverage - meaning you won’t be out of pocket and waiting for a reimbursement while traveling.

This plan also comes with travel cancellation, interruption, and travel delay coverage as well as $40,000 in rental car damage protection included. Protection for baggage delays and baggage loss also comes standard.

Elderly travelers to Canada will also see the appeal of the iTravelInsured Travel LX Basic’s ‘look-back period of 60 days’ This means it only considers pre-existing conditions as “an illness, disease, or other condition during the 60-day period immediately prior to the date your coverage begins.”

• 10-day money back guarantee
• Generous limits for trip delays, emergency evacuation, and more
• Coronavirus-related medical expenses covered
• Rental car coverage included
• Recently developed pre-existing conditions may not be covered
• CFAR and IFAR coverage only available as an add-on with premium plans

Comprehensive travel Insurance for Canada costs around $8 to $10 per day. That said, you can usually find plans that cost as little as around $1 per day for the cheapest, most basic coverage .

To give you some examples of the travel insurance costs for Canada, we got price quotes from a few popular companies.

The table below shows quotes for basic travel insurance plans.

Cost Example Where Travel Insurance Plan Doesn’t Reimburse the Full Trip Cost

While searching for a travel insurance plan, you may wish to have more comprehensive protection for your trip to Canada. To give you an idea of how much this costs, we compared quotes for plans that reimburse the full cost of a trip for the table below.

Cost Example Where Travel Insurance Plan Reimburses the Full Trip Cost

The above quotes were for a 35-year-old going on a 7-day trip to canada in September 2024 that cost a total of $2,000. When searching for travel insurance, keep in mind that several factors impact how much you’ll pay.

Factors that influence the cost of travel insurance include:

• Your age: Even if you’re in good health, your risk of developing medical problems increases as you age. Insurance companies charge higher premiums for travel insurance for seniors to account for their increased risk.
• The cost of your trip: The more you spend on your trip, the more an insurance company is likely to owe you if you have to file a claim. Therefore, insurers charge more to cover expensive trips.
• The length of your trip: The longer you plan to travel, the more you can expect to pay for travel insurance.
• Your destination: Your insurance company may charge more for some destinations than others, increasing your cost of coverage.

Travel insurance plans are typically divided into two distinct categories:

Medical-based travel insurance

• Comprehensive travel insurance

What is included in your overall coverage depends on the type of policy you purchase.

The most basic level of travel insurance for Canada visits should be a policy that is medical-based. Medical insurance for Canada is often the cheapest level of insurance you can buy. Medical insurance will cover you should you experience any illness or accidents during your vacation.

As noted above, Medicare and other US private insurers won’t cover you while you are in Canada, so those without medical-based travel insurance will be left out of pocket should the worst happen. Therefore, when visiting Canada, health insurance should be at the top of your travel checklist.

Medical-based travel insurance policies usually cover two separate coverage limits for medical emergencies and emergency medical evacuations:

• Emergency medical insurance : At a minimum, we recommend getting a plan that provides health insurance for visitors to Canada. Travel medical insurance covers a wide range of health care expenses. For example, if you develop a health condition after eating contaminated food, travel medical insurance should cover the cost of blood tests, IV fluids, and other types of medical care.
• Medevac insurance: You may be used to having a hospital within just a few miles of your home. When you’re traveling, that’s not always the case, especially if you plan to spend time in a national park or hunt in the Canadian wilderness. Medical evacuation insurance , or medevac, pays to transport you to the nearest suitable medical facility if you develop a serious illness or injury during your trip.

Medical plans will not include far more in-depth travel insurance add-ons such as trip cancellations or trip cost reimbursement. If you require this additional coverage, you will need to purchase a more comprehensive travel insurance plan.

Comprehensive travel coverage

When selecting a travel insurance policy, you have the option of purchasing plans that reimburse you for non-refundable prepaid trip expenses and plans that don’t. You may want to be insured for things such as trip cancellations, trip interruptions, travel delays, and the loss of personal items. If this is the case, you will need to select an insurance policy that covers you for trip cost reimbursement.

Some medical-based plans may reimburse you for a canceled or interrupted trip if it is the result of a pre-covered illness or injury. However, your trip may be interrupted or canceled based on unforeseen events such as a terrorist attack or natural disaster. In this case, you will need to purchase a policy that covers cancellation and interruption coverage for prepaid, nonrefundable expenses to make a claim.

Further below , you will see a cost example that shows the difference in prices of medical-based plans versus comprehensive travel insurance coverage.

Optional Add-ons

Some travel insurance for Canada vacations will also offer cancel for any reason (CFAR) insurance . With this type of coverage, you can cancel your travel plans for any reason at all and still get back around 50% to 75% of your prepaid travel expenses. Including this will allow you far more flexibility should you change your Canadian vacation plans.

Generally speaking, most travel insurance policies exclude coverage for the following scenarios:

• Claims resulting from illegal activities
• Claims related to medical tourism
• Injuries resulting from intoxication from drugs or alcohol
• Cancellations due to fear COVID-19 (See COVID-19 travel plans)

Aside from the highly obvious reasons, some travel insurance providers will also include restrictions are the following situations :

• Pre-existing medical conditions: Unless you have a waiver, most travel insurance plans do not cover pre-existing conditions . To qualify for a waiver, you typically must purchase your travel insurance plan within 14 to 15 days of making your initial trip deposit.
• Adventure sports : Standard travel insurance plans won’t usually cover injuries associated with skiing, rock climbing, and other adventure activities you may do on your Canadian vacation. If you plan to do these types of activities, make sure to purchase coverage that includes these types of sports.
• Pregnancy-related care: Regular wellness care and normal delivery are not covered by travel insurance. However, emergency care that you require while traveling while pregnant may still be covered.
• Non-emergency medical care :Non-emergency procedures that can wait until you return home are not covered by travel insurance.

Before you purchase travel insurance for your trip to Canada, follow these tips to find the best plan :

Shop around and compare

Just because a plan has the highest premium doesn’t mean it offers the best coverage. Use the LA Times Comparison Tool to determine which company offers the most benefits at the lowest price.

Think about additional coverages you may need

Travel insurance doesn’t usually cover injuries associated with skiing, rock climbing, and other adventure activities. If you plan to do one of these activities, look for a plan that includes extra coverage.

Adjust your transportation plans

Travel insurance doesn’t cover trip delays unless you’re traveling via a common carrier. You may want to adjust your transportation plans to ensure that you’re eligible for this type of coverage.

Purchase a policy early

You may be able to get a better deal on travel insurance if you purchase a plan as soon as you make your initial trip deposit.

Buy coverage based on seasonal risks you face

The season in which you visit Canada can greatly influence the risks you face. Apart from this, some travel insurance plans may not cover certain sports of seasonal activities. It’s important to consider things like winter or summer sports and look for plans that offer adequate coverage. Below are some common examples of seasonal risks.

Hazards in Canada’s national parks

Canada is home to 38 national parks. These great expanses of wilderness are incredible places to explore and are populated with wildlife of all kinds. These parks offer great opportunities to hike, ski, climb, and camp. As we can see from the official Canadian National Park website , they are also volatile regions, susceptible to extreme weather fronts and close encounters with potentially dangerous animals.

Travel insurance for emergency medical evacuation, medical coverage, and adventure sports coverage are a must while exploring the vastness of the Canadian wilderness. However, not all plans automatically cover adventure activities, so it is important to compare plans before purchasing.

Wildfire season

Wildfire season in Canada typically runs from May through to October. In recent years, particularly in the west of the country, Canada has begun to experience far more extreme and prolonged wildfires. While predicting the movement of wildfires and their effects can be difficult, downloading local alert apps and keeping yourself updated via government websites all help avoid any disastrous situations.

Ensure your travel insurance policy has high-quality emergency evacuation and trip cancellation insurance. This will allow you to be far more prepared and flexible should wildfires affect your vacation plans.

Winter weather

Canada’s winter weather can be some of the most extreme in all of North America and the beginning of 2024 brought one of the worst snow storms of recent years . Having high-quality emergency evacuation and trip cancellation insurance will ensure you are covered should your trip be hit by heavy snow storms and adverse weather conditions.

Winter sports

Canada is famous the world over for its winter sports. Numerous tourists come to Canada every year to experience the thrill of skiing, snowboarding, and riding snowmobiles on its many trails. As highlighted in Canada’s official government website on the issue, you should take extreme caution by avoiding closed trails and keeping up-to-date with local weather reports, especially where there is a risk of avalanches and winter storms.

Similarly to those exploring Canada’s grand national parks, it’s advisable to ensure your policy offers adventure sports coverage and emergency medical evacuation coverage, should the worst happen during your trip.

The table below provides an overview of entry requirements and travel information for your trip to Canada from the United States, according to the US Department of State .

Do I need a passport to visit Canada?

Yes. Under the Western Hemisphere Travel Initiative , all U.S. citizens must present a valid passport when crossing the US-Canada border.

Do I need to be vaccinated to go to Canada?

No. Canada travel restrictions don’t include any vaccine-related requirements for American citizens .

Do Americans need travel insurance in Canada?

You may not have to use your travel insurance in Canada, but, it’s worth bearing in mind that you won’t be financially covered for medical expenses if you require emergency care.

That means that the Canadian government will charge you for any treatment received and you could be left out of pocket should anything unexpected happen. This is also the case even if the services or medications provided would normally be covered in the United States.

Do I need travel insurance to visit Canada?

You are not legally required to buy travel insurance to visit Canada, but it should be a top priority. You should always purchase travel insurance before you travel outside the United States. This type of insurance reimburses you for expenses associated with trip cancellation, trip delays, and other travel issues, limiting your losses.

Can I use my US health insurance in Canada?

No. Both private and government-sponsored health insurance plans only cover expenses incurred in the United States.

Do I need travel health insurance for Canada?

It’s a good idea to purchase travel medical insurance before you go abroad. This type of insurance covers emergency transportation, physical exams, diagnostic tests, medications, surgical procedures, and other health expenses. Most travel insurance plans will also include coverage for COVID-19 as standard.

Can Americans travel to Canada without a COVID-19 test?

No. Canada no longer requires tourists from the United States to take a COVID-19 test or quarantine before entering the country.

What happens if I get sick in Canada?

If you get sick in Canada and don’t have travel medical insurance, you will have to pay for your own hospital or medical services. This is why it’s so important to purchase travel insurance with medical coverage before you embark on your trip.

Sarah Stasik is well versed in personal finance thanks to her previous role as a Revenue Cycle Manager for a Fortune 500 healthcare company. Using her inside knowledge and expertise, Sarah often covers topics ranging from insurance and the economics of private healthcare to personal finance and small business management.

Over the past 12 years, Sarah has contributed to numerous publications in the personal and small business finance sector, including content on budgeting, bankruptcy, small business accounting, and financial tech. Her writing focuses on making complex or seemingly daunting financial topics more accessible and providing helpful, relevant resources for readers.

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Safe Visit | Canada Travel Health Insurance - Medical Insurance Quote.

Top Travel Insurances for Canada You Should Know in 2024

Byron Mühlberg

Monito's Managing Editor, Byron has spent several years writing extensively about financial- and migration-related topics.

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Canada is a massive country known for its natural splendour, including the Rocky Mountains, the Northern Lights, and Niagara Falls, as well as its energetic cities like Toronto, Montreal, and Vancouver. Although travelling to Canada can be an accessible holiday destination for many people, out-the-pocket healthcare costs in the country tend to be expensive, so it's a very good idea to arrive there with travel insurance under your belt.

Luckily, online global insurances (known as 'insurtechs') specialize in cost-savvy travel insurance to Canada and other countries worldwide. Our list below explores the four services we believe provide the best deals for young travellers, adventurers, everyday holidaymakers looking for comprehensive but affordable coverage, and longer-term expats.

Canada Insurance Profile

Here are a few of the many factors influencing the scope and cost of travel insurances for Canada:

Best Travel Insurances for Canada

• 01. Should I get travel insurance for Canada? scroll down
• 02. Best medical coverage: VisitorsCoverage scroll down
• 03. Best trip insurance: Insured Nomads scroll down
• 04. Best mix for youth and digitial nomads: SafetyWing scroll down
• 05. FAQ about travel insurance to Canada scroll down

Heading to Canada soon? Don't forget to check the following list before you travel:

• 💳 Eager to dodge high FX fees? See our picks for the best travel cards in 2024.
• 🛂 Need a visa? Let iVisa take care of it for you.
• ✈ Looking for flights? Compare on Skyscanner !
• 💬 Want to learn the local language? Babbel and italki are two excellent apps to think about.
• 💻 Want a VPN? ExpressVPN is the market leader for anonymous and secure browsing.

Do I Need Travel Insurance for Canada?

No, there's currently no legal requirement to take out travel insurance for travel to or through Canada.

However, regardless of whether or not it's legally required, it's always a good idea to take our health insurance before you travel — whether to Canada or anywhere else. For what's usually an affordable cost , taking out travel insurance will mitigate most or all of the risk of financial damage if you run into any unexpected troubles during your trip abroad. Take a look at the top five reasons to get travel insurance to learn more.

With that said, here are the top three travel insurances for Canada:

VisitorsCoverage: Best Medical Coverage

Among the internet's best-known insurance platforms,  VisitorsCoverage  is a pioneering Silicon Valley insurtech company that offers comprehensive medical coverage for travellers going abroad to Canada. It lets you choose between various plans tailored to meet the specific needs of your trip to Canada, including coverage for medical emergencies, trip cancellations, and travel disruptions. With its easy online purchase process and 24/7 live chat support, VisitorsCoverage is a reliable and convenient option if you want good value and peace of mind while travelling abroad.

• Coverage 9.0
• Quality of Service 9.0
• Pricing 7.6
• Credibility 9.5

VisitorsCoverage offers a large variety of policies and depending on your needs and preferences, you'll need to compare and explore their full catalogue of plans for yourself. However, we've chosen a few highlights for their travel insurance for Canada:

• Policy names: Varies
• Medical coverage: Very good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, mental health-related conditions, and many others.
• Trip coverage: Excellent - but only available for US residents.
• Customer support: FAQ, live chat and phone support
• Pricing range: USD 25 to USD 150 /traveller /month
• Insurance underwriter: Lloyd's, Petersen, and others
• Best for: Value for money and overall medical coverage

Insured Nomads: Best Trip Coverage

Insured Nomads is another very good travel insurance option, especially if you're adventurous or frequently on the go and are looking for solid trip insurance with some coverage for medical incidents too. With Insured Nomads, you can choose the level of protection that best suits your needs and enjoy a wide range of benefits, including 24/7 assistance, coverage for risky activities and adventure sports, and the ability to add or remove coverage as needed. In addition, Insured Nomads has a reputation for providing fast and efficient claims service, making it an excellent choice if you want peace of mind while exploring the world.

• Coverage 7.8
• Quality of Service 8.5
• Pricing 7.4
• Credibility 8.8

Insured Nomads offers three travel insurance policies depending on your needs and preferences. We go through them below:

• Policy names: World Explorer, World Explorer Multi, World Explorer Guardian
• Medical coverage: Good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, and many others.
• Trip coverage: Good. Includes coverage for trip cancellation and interruption, lost or stolen luggage (with limits), adventure and sports activities, and many others.
• Customer support: FAQ, live chat, phone support
• Pricing range: USD 80 to USD 420 /traveller /month
• Insurance underwriter: David Shield Insurance Company Ltd.
• Best for: Adventure seekers wanting comprehensive trip insurance

SafetyWing: Best Combination For Youth

SafetyWing is a good insurance option for younger travellers or digital nomads because it offers flexible but comprehensive coverage at a famously affordable price. With SafetyWing, you can enjoy peace of mind knowing you're covered for unexpected medical expenses, trip cancellations, lost or stolen luggage, and more. In addition, SafetyWing's user-friendly website lets you manage your policy, file a claim, and access 24/7 assistance from anywhere in the world, and, unlike VisitorsCoverage, you can even purchase a policy retroactively (e.g. during a holiday)!

• Coverage 7.0
• Quality of Service 8.0
• Pricing 6.3
• Credibility 7.3

SafetyWing offers two travel insurance policies depending on your needs and preferences, which we've highlighted below:

• Policy names: Nomad Insurance, Remote Health
• Medical coverage: Decent. Includes coverage for doctor and hospital visits, repatriation, and many others.
• Trip coverage: Decent. Includes attractive coverage for lost or stolen belongings, adventure and sports activities, transport cancellation, and many others.
• Pricing range: USD 45 to USD 160 /traveller /month
• Insurance underwriter: Tokyo Marine HCC
• Best for: Digital nomads, youth, long-term travellers

How Do They Compare?

Interested to see how VisitorsCoverage, SafetyWing, and Insured Nomads compare as travel insurances to Canada? Take a look at the side-by-side chart below:

Data correct as of 4/1/2024

FAQ About Travel Insurance to Canada

Travel insurance typically covers trip cancellation, trip interruption, lost or stolen luggage, travel delay, and emergency evacuation. Some travel insurance packages also cover medical-related incidents too. However, remember that the exact coverage depends on the insurance policy.

No, you'll not be required to take out travel insurance for Canada. However, we strongly encourage you to do so anyway, because the cost of healthcare in Canada can be high, and taking out travel insurance will mitigate some or all of the risk of covering those costs yourself if you need medical attention during your stay.

Yes, medical travel insurance is almost always worth it, and we recommend taking out travel insurance whenever visiting a foreign country. Taking out travel insurance will mitigate some or all of the risk of covering those costs yourself in case you need medical attention during your stay. In general, we recommend VisitorsCoverage to travellers worldwide because it offers excellent value for money and well-rounded travel and medical benefits in its large catalogue of plans.

Health insurance doesn't cover normal holiday expenses, such as coverage for missed flights and hotels, but in case you run into medical trouble while abroad, it may cover some or all of your doctor or hospital expenses while overseas. However, not all health insurance providers and plans offer coverage to customers while abroad, and that's why it's generally best to take out travel insurance whenever you travel.

Although there's overlap, health and travel insurance are not exactly the same. Health insurance covers some or all of the cost of medical expenses (e.g. emergency treatment, doctor's visits, etc.) while travel insurance covers non-medical costs that are commonly associated with travelling (e.g. coverage for missed flights, stolen or lost personal belongings, etc.).

The cost of travel insurance depends on several factors, such as the length of the trip, the destination, the age of the traveller, and the level of coverage desired. On average, travel insurance can cost anywhere between 3% and 10% of the total cost of the trip.

A single-trip travel insurance policy covers a specific trip, while an annual one covers multiple trips taken within a one-year period. An annual policy may be more cost-effective for frequent travellers.

Yes, you can sometimes purchase travel insurance after starting your trip, but it is best to buy it before the trip begins to ensure maximum coverage. If you do need to buy insurance after you've started your trip, we recommend VisitorsCoverage , which offers a wide catalogue of online trip and medical insurance policies, most of which can be booked with immediate effect. Check out our guide to buying travel insurance late to learn more.

Yes, you can most certainly purchase travel insurance for a trip that has already been booked, although we recommend purchasing insurance as soon as possible aftwerwards to ensure all coverage is in place before your journey begins. Check out our guide to buying travel insurance late to learn more.

See Our Other Travel Insurance Guides

Looking for Travel Insurance to Another Country?

See our recommendations for travel insurance to other countries worldwide:

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• Medical Plan
• Medical + Cancellation Plan
• Cancellation Plan
• Annual Medical Plan

Visitors to Canada Plan

• Seeking medical treatment
• How to file a claim
• Access Claims Portal
• Complaint resolution process
• Understanding travel insurance
• Choosing travel insurance
• Before your trip
• On your trip
• Travel Tips
• Get a quote online

Emergency Medical

Emergency medical transportation, meals and accommodation.

• Accidental Death and Dismemberment
• 24-Hour Assistance all over the world

Why buy a Visitors to Canada Plan?

When visiting Canada, your government health care plans might not travel with you. We know that health care costs in Canada can be expensive if you’re not covered under a Canadian government health insurance plan. Travel insurance from Allianz Global Assistance helps you stay protected during a medical emergency. Be sure to carry travel insurance to safeguard your finances and enjoy a worry-free trip. 

Visitors to Canada plans are ideal for:

• Tourists visiting Canada
• Super Visa applicants
• Landed immigrants and returning Canadians waiting for Government Health Insurance
• Temporary workers
• International students

For the complete list of coverage benefits including pre-existing medical conditions and exclusions under this plan, please view the  Policy of Insurance in PDF . (View the  accessible PDF version of the policy )

Our Promise to You:  All travel insurance plans offered by Allianz Global Assistance include a 10-day "Free Look" period. If you are not satisfied with your coverage after reviewing your Policy of Insurance, you may cancel your policy within 10 days from purchase for a full refund, provided you have not left on your trip or initiated a claim.

Main benefits

$25,000 | $50,000 | $100,000

Provides reimbursement for certain costs for a medical (including hospitalization) or dental emergency that occurs during your trip.

Medical Treatment for COVID-19

Provides reimbursement for emergency hospital and medical expenses up to the policy limit if you test positive while in Canada and require medical treatment for COVID-19.

Covers the cost of safe transport to the nearest appropriate medical facility to receive emergency care. Also includes return medical transportation to Canada for continuing care if required.

$150Day - Max. $1,500

Covers the cost of meals and accommodations if you and/or your travelling companion are delayed beyond your return date or are receiving medical attention.

Prescription Drugs

30 day supply - Max. $1,000

Provides coverage for drugs or medications related to a covered medical emergency that require a physician’s written prescription.

Accidental Death & Dismemberment

Sum Insured

Benefit for loss of life, limb or sight resulting from accidental injury that occurs during a trip, except while boarding, riding in, or departing from an aircraft.

24-Hour Assistance

Provides a 24-hour hotline and variety of assistance services in case you encounter an emergency during your travels.

Eligibility

Trip duration.

Up to 84 years old  

All coverage is subject to the limits, terms and conditions of the policy.

• Health Insurance

Drug, Dental and Health Coverage

• Guaranteed Issue Enhanced
• FollowMe Health

Serious Illness Coverage

• Critical Illness Insurance
• Life Insurance

Term Life Coverage

• Easy Issue Life
• FollowMe Life

Permanent Life Coverage

• Guaranteed Issue Life
• Travel Insurance
• Travelling Canadians
• Visitors to Canada
• Health & Dental Insurance
• Manulife Vitality

Select your region

This value is required.

CoverMe Health and Life Insurance plans are only available in Canada. If you're travelling to Canada, why not explore our Travel Insurance plan?

Visitor to Canada travel insurance

Applying for the Parent and Grandparent Super Visa and need travel insurance? Coming to Canada to spend extended time with family or take a vacation? Visiting to work? Live here but don't qualify for a government health insurance plan yet? Have family or friends coming to visit that you want to help protect?

Make sure you and your loved ones can affordably access emergency medical care if any of you get sick or hurt – because, without coverage, health care costs can add up quickly. All our plans meet the requirements of the Parent and Grandparent Super Visa.

Travel insurance for visitors to Canada – Basic plan

• Comprehensive travel insurance for visitors to Canada, super visa holders, or new immigrants waiting for government health insurance
• Meets the requirements for the parent and grandparent super visa
• Applications open to any age
• No medical questionnaire required
• No coverage for pre-existing medical conditions
• No dental benefits
• No accidental death & dismemberment benefits

Travel insurance for visitors to Canada – Standard plan

• Apply up to age 85
• No coverage for pre-existing medical conditions that existed within 180 days prior to the effective date
• Dental benefits included
• Accidental death & dismemberment benefits included

Travel insurance for visitors to Canada – Enhanced plan

• Medical questionnaire required for ages 55+
• No coverage for pre-existing medical conditions that are not stable 180 days prior to effective date

Want to compare our travel plans?

Review our travel options side-by-side.

Explore health and dental plans

Discover our CoverMe ® plans that help cover routine and unexpected health and dental costs

Top 5 questions about travel insurance

Do your plans for visitors to Canada have deductibles?

All our travel insurance plans for visitors to Canada start with a $0 deductible. You can save money with a higher deductible:  

$100 deductible – save 5%

$250 deductible – save 10%

$500 deductible – save 15% 

$1,000 deductible – save 20%

$5,000 deductible – save 35%

$10,000 deductible – save 40%

How do you define "pre-existing medical condition"?

In our travel insurance policies, a "pre-existing medical condition" means any medical condition that existed prior to your effective date.

Can I extend my travel insurance during my visit to Canada?

You can add extra days of coverage while you're visiting Canada provided that there has been:

• No event that has resulted or may result in a claim against the policy, and
• No change in your health status

You must call 1-800-268-3763  before your coverage expires or before the date you were scheduled to return home and pay the appropriate premium.

If I shorten my visit to Canada, can I get a partial refund for my travel insurance plan?

You can get a refund for the unused days of your trip if you return home before your scheduled return date provided that:

You have not reported or initiated a claim

You have not received any assistance services

What is a trip break benefit?

Our travel insurance plans for visitors to Canada include a trip break benefit, which allows you to suspend your coverage without ending it if you visit home during your trip. Your coverage is immediately reinstated when you arrive back in Canada. 

You must call 1-877-878-0142 or + 1(519) 251-5166 to get approval from our Assistance Centre before you leave Canada

Your plan will not cover any expenses or benefits relating to emergency and non-emergency medical services for an injury that occurred at home or an illness that started at home

We do not refund your premiums for the days you are visiting home

Discover more

Super Visa for parents and grandparents

How Canada’s Super Visa helps families come together.  Learn more

Applying for a Canada visitor's visa? Here are the requirements.

A complete guide to purchasing travel insurance for visitors to canada.

mail us at [email protected]

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HelloSafe » Travel Insurance

Best travel insurance in Canada for 2024

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Travel, whether for leisure, business, or work, has become integral to our modern lives. While it opens doors to diverse experiences, travel insurance is crucial in providing peace of mind against unforeseen expenses like medical emergencies and trip disruptions, particularly during unpredictable events.

But choosing the right travel insurance can be a challenge and demands careful consideration of factors like coverage, individual needs, exceptions, and more. We've got you covered.

In this guide, we take you through everything from coverage types and costs to the best plans and how to find cheap travel insurance. You can use our comparator at the top of this page to compare plans, get free quotes , and find a policy that truly fits your needs.

Top 10 travel insurance Canada plans

• soNomad travel insurance: Straightforward and affordable
• Allianz travel insurance: Affordable Plans Starting At $27
• Tugo travel insurance: Tailored solutions
• Destination travel insurance: Specialized coverage
• Manulife travel insurance: Flexible policies
• Blue Cross Travel Insurance Canada: Flexible plans for every need
• CAA travel insurance: Best for CAA members
• RBC travel insurance: Coverage from a reputed bank
• TD travel insurance: High coverage limits
• BCAA travel insurance: Budget-friendly options

Before we explore the best plans in the market, let's look at the basics of this coverage first.

What is travel insurance?

Travel insurance is a policy that protects your investment in a trip. It reimburses for financial losses of a canceled or interrupted trip, as well as emergency medical care during travel, emergency evacuation, damage to a rental car, lost luggage, and more. The medical care component is critical in a country like Canada. Out-of-province care costs more and offers less than in patients' home province.

It takes different forms. You can purchase it as an individual policy or as an add-on to a travel purchase like a flight. It may even be included as a credit card benefit when you use yours to make a travel purchase.

What is international travel insurance?

International travel insurance is a subset of travel insurance, specifically tailored for trips abroad, while the latter can cover domestic and international trips. The key difference is that international coverage is designed to address the unique challenges and risks associated with international journeys, such as medical emergencies, visa issues, and currency exchange, in addition to covering the same aspects as standard travel coverage, like trip cancellations and lost baggage.

How does travel insurance work?

Here's how it typically works:

• Purchase a Policy: Before your trip, you buy a policy, specifying the coverage, trip duration, and other relevant details.
• Traveling: During your trip, if you encounter covered events like medical emergencies, trip cancellations, lost baggage, or other unexpected issues, you can contact your insurance provider or its 24/7 assistance line.
• Claim Submission: Submit a claim with the required documentation, such as medical bills or receipts for lost items, to your insurer for reimbursement.
• Reimbursement: If your claim is approved, the insurance provider reimburses you for eligible expenses, helping you manage unexpected costs and disruptions during your travels.

What does travel insurance cover?

What is covered depends on the insurer and the level of coverage you choose. It commonly covers emergency medical care, trip cancellation, trip interruption, and lost or damaged baggage.

Travel insurance is customized based on the needs of your specific trip. A basic plan covering just flight cancellation may be fine if you already have supplemental individual medical coverage and are traveling within Canada. On the other hand, if you are planning a ski trip to the French Alps, a comprehensive plan with emergency medical care and evacuation back home could help set your mind at ease if you experience a bad fall on the slopes.

Manulife’s CoverMe is one of the most popular providers in Canada, and here is what their Single Trip All-inclusive plan offers:

What does it not cover?

Common exclusions typically include:

• Pre-existing Medical Conditions: Coverage may not extend to pre-existing medical conditions without a specific waiver or rider.
• High-Risk Activities: Activities like extreme sports or dangerous hobbies may require additional coverage or be excluded.
• Traveling Against Advisories: Trips to countries under travel advisories or travel restrictions may not be covered, depending on the policy.

What are the different types of travel insurance?

The most common categories are:

• Baggage insurance - Did you make it to that Caribbean island or European capital, but your luggage did not? It does not have to ruin your trip. This insurance will give you some spending money to get essentials due to a delay or replace it in case it is lost.
• Emergency medical insurance - You cannot put a price on your health. This protects you if you get injured or sick while away.
• Trip cancellation - Have an emergency back home before your trip? If you are unable to travel, this coverage will reimburse what you spent on nonrefundable travel.
• Trip interruption - Miss a connection flight? Maybe you need to return home early? That is okay, you are covered. This is similar to trip cancellation insurance but covers you during a trip rather than before it.
• All-inclusive policies - Want to be prepared for anything? These policies include all of the above insurance types.

Finally, consider how much you will be traveling in the year. Single-trip and annual coverage options exist. Annual plans may save you money if you intend to travel two or more times per year.

What is travel medical insurance?

Travel medical insurance provides coverage for medical emergencies during your trip, including doctor's visits, hospitalization, and emergency medical evacuation. It is a subset of travel insurance, which covers a wider range of risks such as trip cancellations, lost baggage, and non-medical aspects of travel. You can often purchase stand-alone medical coverage if you primarily need health-related coverage for your trip.

How much is travel insurance?

A basic plan for a 30-year-old single traveler could be as little as $26 for a week, while a comprehensive plan could cost that same traveler $125.

How much travel insurance costs depends on the length of your trip, the destination, the desired coverage, and your age. We recommend plans that include emergency medical coverage.

How much is travel insurance in Canada?

On average, a basic single-trip policy for a one-week trip may cost around $25 to $50 CAD for an individual, while an annual multi-trip policy can range from $100 to $300 CAD. More comprehensive coverage or longer trips can increase the cost. Seniors and individuals with pre-existing conditions may pay higher premiums.

It's essential to compare quotes from different providers to find a policy that suits your needs and budget. Try our comparison tool below to get free personalized travel insurance quotes for your upcoming trip. Compare rates, explore options, and find the best policy for you in just seconds.

Prepare for your trip Compare. Choose. Save.

What does travel insurance for seniors cover?

Travel insurance for seniors offers increased medical coverage over other plans and coverage for stable pre-existing conditions. It works like any other emergency medical insurance plan but is adapted to the needs of senior travelers.

Leading plans medical travel insurance for seniors Canada plans offer:

You can use our comparator at the top of this page to find the best Canadian travel insurance for seniors based on their unique needs. It only takes a few steps and you have free quotes in seconds.

How much is travel insurance for Canadian seniors?

The cost of travel insurance for Canadian seniors can vary based on factors like age, health, destination, and trip duration. On average, a comprehensive single-trip policy for a senior traveler may range from $50 to $200 or more, while an annual multi-trip plan could cost approximately $300 to $1,000 or higher, depending on coverage limits and individual circumstances. Pre-existing conditions may also alter the coverage you can access.

What is the best travel insurance for visitors to Canada?

Leading Canadian travel insurance companies offer medical travel insurance to visitors. These can be perfect for non-residents in the country on vacation, business, or visiting family. These plans can be a lifeline for people living in Canada who have not yet qualified for public healthcare.

The best travel insurance for visitors to Canada depends on the traveler’s needs. Additionally, plans may be available to them from their home country.

Is it mandatory to have travel insurance to visit Canada?

No, you do not need private travel coverage to visit Canada. It is not mandatory for all visitors to Canada, but it is highly recommended. Canada's public healthcare system does not cover visitors, and some provinces may require health insurance for entry. Having travel coverage provides financial protection and peace of mind for medical emergencies and unexpected events. Policies and requirements can change, so check with Canadian authorities for the latest information.

Good to know

If you are sponsoring a parent or grandparent to visit you in Canada, did you know that you are required to purchase super visa insurance? Learn more and compare the best super visa insurance plan in Canada in our super visa guide .

How to get the cheapest travel insurance Canada plans?

So how to get travel insurance? Most importantly, how to get the most affordable plans? Follow these 5 steps to get the best deals.

• Compare Multiple Quotes: Obtain quotes from various insurance providers to find the best price for your desired coverage.
• Choose Essential Coverage: Select coverage that matches your specific travel needs, avoiding unnecessary add-ons.
• Consider Annual Policies: If you travel frequently, annual policies often offer more value than single-trip coverage.
• Review Deductibles: Higher deductibles can lower your premium, but be prepared to pay more in case of a claim.
• Utilize Membership Discounts: Check if your memberships or affiliations offer discounted coverage options.

While finding the cheapest travel insurance Canada plan or to other regions may seem like a daunting process, we've got you covered. You can simply use our free comparator below to compare plans, and coverage, check on discounts, and get free quotes in no time.

When should I buy travel insurance?

Travel insurance can be purchased anytime between booking and departure, but we recommend buying a plan at the same time that you book your trip.

Booking as soon as possible ensures greater protection. The ideal time to purchase is right after making your initial trip payment, typically within 10-21 days. Buying it early allows you to access coverage for pre-existing medical conditions and other benefits . You can often obtain last-minute insurance up to the day before departure, but some coverages may be limited.

But when is it too late to buy travel insurance? Once you've begun your trip or used any part of it, you generally cannot purchase coverage for trip cancellations or interruptions. However, annual multi-trip policies can be purchased at any time, with coverage beginning from the policy's start date.

What are the best travel insurance plans in 2024?

Please note that the specific coverage, terms, and pricing may vary based on individual circumstances and plan options. It's essential to review the policies in detail and obtain personalized quotes to make an informed decision for your needs. You can do that using our comparator below. Compare multiple plans and get free quotes in no time right here.

Other popular companies include the following :

You can find more on these options by clicking on them:

• AMA travel insurance
• CIBC travel insurance
• Costco travel insurance Canada
• BMO travel insurance (also includes BMO World Elite Mastercard travel insurance)
• Medipac travel insurance
• Medoc travel insurance
• World nomads travel insurance
• Scotiabank travel insurance

What are the FAQs on travel insurance Canada plans?

How does credit card travel insurance work.

Travel coverage is a benefit on many credit cards. It is worth checking what your card includes before purchasing a separate policy. You may already have sufficient coverage.

Credit cards with travel insurance usually only cover expenses purchased on that card. Buy your plane tickets on one card, but the hotel on another? The first company will not reimburse you for a hotel issue. Additionally, terms and exclusions may be more restrictive than a standalone plane. Credit card travel insurance is a wonderful benefit, but weigh whether its coverage is sufficient for you and your trip.

The best travel insurance credit cards have offerings like this:

Does travel insurance cover COVID-19?

Many plans now specifically cover COVID-19 cancellation and medical expenses or offer stand-alone COVID travel insurance. They may reimburse costs incurred from a mandatory quarantine, COVID-19 medical expenses, and trip interruption and cancellation . Some specific COVID plans only cover COVID-19 expenses and do not automatically include coverage for other medical needs.

It is worth verifying details carefully before deciding on a Covid-19 travel insurance policy. Covid-19 coverage and news change frequently, so check with your service providers for the latest information.

There are a few important points to consider:

• Coverage may be explicitly excluded in your policy if the destination countries or regions are under an “avoid non-essential travel” or “avoid all travel” advisory at the time of purchase.
• Your Covid-19 vaccination status may affect your coverage. If you are unvaccinated by choice, your insurer may declare your claims ineligible.

Do I need private health care coverage when travelling outside Canada?

Yes, we always recommend travel medical insurance when travelling abroad. Healthcare prices and standards can be very different while travelling. Some public provincial plans offer some coverage, but it may be insufficient. Your provincial plan covers may only pay what the cost would be back at home, not the actual price at your destination. Even then, you likely have to pay out-of-pocket and request reimbursement later. 

In some countries, healthcare facilities may request payment upfront. They may refuse treatment if you are unable to pay. This alone makes emergency medical insurance extremely valuable.

Do I need travel insurance to USA from Canada?

Getting a private travel protection plan is highly recommended when travelling from Canada to the USA, as it provides essential medical coverage. Medical expenses in the USA can be exorbitant, and without insurance, a simple hospital visit can lead to substantial bills, potentially running into thousands of dollars.

For example, a basic emergency room visit for minor treatment might cost around $1,000 to $2,000 , while more serious medical procedures or surgeries can lead to bills that range from $10,000 to tens of thousands of dollars, or even more for complex surgeries or prolonged hospital stays.

Do I need travel insurance within Canada?

We recommend getting medical travel insurance Canada plans while traveling within the country. Specific plans are available for domestic travelers. While Canadian citizens and residents are guaranteed basic emergency care by the Canada Health Act, this does not include prescription drugs and ambulance services. Your OHIP coverage from Ontario will not cover you for a private hospital, laboratory, or paramedic services while visiting British Columbia.

Additionally, payment for medical services may be required upfront, leaving you responsible for seeking reimbursement from your home province upon your return. Canadian residents traveling within Canada may qualify for a discount on their medical travel insurance.

When traveling outside of your province or territory without adequate coverage, you assume risk. Note that you may already have sufficient coverage if you have a supplemental individual or group private health insurance policy.

Want to protect yourself while traveling in Canada? Compare the best travel insurance medical plans anonymously today using our comparator at the top of this page.

What does travel insurance for snowbirds cover?

Travel medical insurance for snowbirds commonly covers the following medical expenses:

• Medical treatments
• Prescription medications
• Paramedics and ambulance rides
• Repatriation to Canada
• Emergency dental care

Snowbird insurance policies do not usually cover elective treatments. Those should wait until you have returned to Canada.

But who are Snowbirds? Snowbirds are people who travel to warmer climates during the cold Canadian winter. They are usually retirees. Therefore, getting adequate protection for their travels is particularly important for these groups. Many of them go to warm parts of the United States, the country with the world’s highest medical care costs.

Snowbirds may be more at risk for a medical emergency while away due to the length of their trips and underlying health conditions.

To learn more, see our guide to snowbird travel insurance.

How do I buy travel insurance online?

The easiest way to purchase a travel plan is by using an online comparison tool like ours. See rates and coverage options quickly without giving up personal data. Alternatively, you may purchase it through an agent, a broker, your private individual or group health insurer, or a travel credit card.

How much travel insurance do I need?

The amount of coverage you need depends on various factors, including the destination, duration, and activities of your trip. As a general guideline, consider coverage for emergency medical expenses, trip cancellations, and lost baggage.

Aim for a coverage amount that provides financial protection for potential unexpected costs while keeping your budget and specific travel plans in mind. It's essential to balance adequate protection with affordability.

What is the best travel insurance for cancer patients?

The best protection plan for cancer patients depends on individual circumstances, including the stage of cancer and current health. It's advisable to look for insurance providers that specialize in covering pre-existing medical conditions, offer comprehensive coverage, and have experience handling cancer-related claims.

Companies like Allianz and IMG Global among others often provide options for travelers with pre-existing conditions, including cancer*. However, it's essential for cancer patients to compare policies, disclose their medical history accurately, and consider consulting their healthcare providers when selecting the most suitable coverage.

Does travel insurance cover cruises?

Yes, travel coverage plans frequently cover cruises. When shopping for a plan, be sure to verify that yours offers cruise coverage. To give an example, RBC offers two popular examples, their Deluxe and TravelCare (for seniors) packages.

They cover:

• Cruise cancellation or interruption due to mechanical failure or weather
• Catch-up costs for a missed departure due to a canceled flight
• Unused shore excursion tickets (due to illness or injury)
• Last-minute cancellations due to a covered reason
• Lost luggage, passports, and medications
• Eligible emergency medical expenses
• 24-hour worldwide emergency medical and travel assistance
• Repatriation costs

See our guides on travel insurance in Canada:

• Is soNomad insurance best for you? Review 2024
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• Best Travel Insurance South Africa Plans 2024
• Expat Travel Insurance: A Complete Guide (2024)
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Alexandre Desoutter has been working as editor-in-chief and head of press relations at HelloSafe since June 2020. A graduate of Sciences Po Grenoble, he worked as a journalist for several years in French media, and continues to collaborate as a as a contributor to several publications.

I have had BCAA travel insurance in the past and nothing has changed regarding my medical needs. Am I able to apply for insurance without having to go through all the questions again?

Hi Marylou, Thank you for reaching out to us. You should be able to renew your policy without having to go through the whole process again. Here is a link to help you with the same. https://www.bcaa.com/Apps/Travel/FullTravelMedical/Renewal Please feel free to reach out to us if you have any further doubts. Thank you!

I am wanting a quote for travel/medical insurance

Hi Patricia, You can use the comparator tool at the top of the page to find the perfect insurance policy for you. You can then contact the company of your choice directly to get a quote.

Have a nice day, The HelloSafe team

If we go to Portugal for one week and France for another, do we buy separate insurance?

Hi Julie, It depends. Some insurances contracts cover any trips in a given period, while others are meant to cover a specific destination. You can use the comparison tool at the top of the page to find the perfect contract for you and ask for a quote.

Hello, how are you? Does travel insuance covering breast biospys overseas?

Hi Nour, Each travel insurance covers different medical services. Please contact the insurer of your choice for more detail about a potential contract.

Does anybody ever answer the phone at caa Ins. Tried several times and waited half hr or more with no response. I am member but find this very irritating.

Hi Brian, We are not related to CAA Insurance and therefore we cannot help you.

Visitors to Canada Insurance

Emergency medical coverage and more.

Visit, work or study in Canada—with emergency medical and dental insurance for up to a year.

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Essential coverage for visitors, visitors plan iii.

Ages: 1 month to 69 years

• Up to $150,000 Disclaimer 1 in emergency medical/dental
• 24-hour worldwide emergency medical assistance
• No deductible payment required for claims

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• No medical questions asked
• Coverage for a single trip lasting up to 365 days
• Coverage for travel accidents Disclaimer 2

Policy Documents:

For complete coverage details, limitations and exclusions, see:

• Visitors to Canada Plan Opens PDF in new window

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Visitors Plan II

Ages: 1 month to 84 years

• Up to $50,000 Disclaimer 1 in emergency medical/dental
• Low $50 deductible payment required for claims

Visitors Plan I

• Up to $25,000 Disclaimer 1 in emergency medical/dental

Make sure you have the right travel insurance—get an online quote or talk to a licensed insurance advisor.

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Life Insurance

Mortgage Protection

Critical Illness

Term life insurance pays out a tax free lumpsum when you pass away.

Life Insurance that never expires

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Term life insurance that pays off your outstanding mortgage debt and more should you pass away unexpectedly

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Coverage that provides a monthly benefit to help with everyday expenses when you can no longer work due to injury or illness

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The country’s leading travel insurance broker

Canadians are choosing PolicyAdvisor to help them with all their travel insurance needs. Whether vacationing abroad or visiting Canada temporarily, our advisors can help you find the right coverage.

Travelling Canadians

Cover unexpected medical expenses when you travel abroad

Visitors to Canada

Comprehensive emergency medical coverage for a visit to Canada

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Coverage that fits the requirements for those applying for a Canadian super visa

Cover your time away as you escape from Canada's winter

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Coverage for international students attending school in Canada or Canadians studying abroad

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Coverage for those working in Canada before they are eligible for provincial health plans

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What is travel insurance?

There are two main types of travel insurance: travel medical insurance and trip cancellation/interruption 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 is the most common type of travel insurance.

Trip cancellation/interruption insurance can help to reimburse you for the cost of your trip if you have to cancel due to an unforeseen circumstance, such as illness or bad weather, or other situations that may delay or cancel your trip (lost baggage, transportation delays, etc).

If you are planning a trip from your home in Canada, or planning on travelling to Canada, it is important to ensure you have travel insurance before you depart. This will help to protect you from unexpected costs if something goes wrong on your trip and give you peace of mind such accidents or delays will not be a financial burden.

Learn more about travel insurance

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

Who needs travel insurance?

There is a wide array of insurance needs for both those visiting Canada, and travelling away from it. They include:

Inbound travellers

• Visiting Canada from another country
• Super visa applicants
• International students studying in Canada
• Foreign workers or work permit holders working in Canada
• Amateur athletes competing in Canada

Outbound travellers

• Snowbirds (seniors vacationing away from Canada for the winter)
• Canadians vacationing abroad

What are the different types of travel insurance available in Canada?

Depending on where you call home, and the reason and length of your travel, there are several different kinds of travel insurance available.

Residents of Canada need travel insurance for trips abroad. While you public healthcare or group health insurance covers medical emergencies at home, an accident or medical emergency while you are out of country can be very costly.

Those visiting Canada from outside the country also need travel medical insurance. While Canada does have a robust public healthcare system, these services do not extend to non-residents of the country. If you are ill or injured during your trip to Canada, you will be responsible for the costs of doctor's visits, emergency care, prescription, and more.

Super visa insurance

Parents and grandparents or Canadian citizens and permanent residents are eligible for a special Canadian visa called the super visa. This visa allows them to enjoy an extended stay in Canada for as long as 2 years. A mandatory stipulation of super visa approval is holding a medical insurance policy to cover and illnesses or accidents that can occur during this trip. Super visa insurance is a widely available insurance policy that caters to the specific needs and requirements for super visa eligibility.

Snowbirds are retired Canadians who spend the winter season abroad to avoid Canada’s colder months. As a snowbird, it’s important to make sure you have the right travel insurance in place before you head south for the winter, as you will not qualify for public health insurance at your destination.

International students often need emergency health insurance wherever they choose to complete their studies. This includes both Canadians studying abroad and students completing their education in Canada. Emergency travel medical insurance ensures one can focus on their studies knowing they won’t have to deal with an unforeseen medical bill.

Foreign workers visiting Canada for temporary or permanent employment will not have immediate access to public health care. Travel medical insurance will cover you if you get sick or injured while working in Canada.

25 Companies, 20,000 Options, 1 Way to Compare and Save

Who offers the best travel insurance in Canada?

At PolicyAdvisor, we partner with the country’s best travel insurance providers to present you with the most choice and best option for your insurance needs. Whether you are vacationing abroad, visiting Canada for an extended trip, or sponsoring a super visa application for a loved one, we’re here to help guide you to best provider.

Some of our partners include:

• Tugo (iA Financial Group)
• Group Medical Services (GMS)
• 21st Century Travel Insurance Limited
• Destination Canada

Get instant quotes from Canada’s top travel insurance companies

Why should you buy travel insurance?

Whether for a vacation abroad or a visit to Canada, travel medical and health insurance is very important.

For Canadian travelling abroad

• Canadian public health care or your provincial health insurance plan may not cover medical expenses while you are outside Canada
• Your work or group benefits health plan may not cover, or only cover a portion, of the costs of your medical bills abroad
• Foreign medical facilities are generally expensive and often require immediate payment
• Some hospitals and clinics in foreign countries will refuse treatment if you do not have enough insurance coverage or funds to pay for your treatment

For those visiting Canada

• You are not covered under any of Canada's public healthcare plans
• Treatment for medical emergencies and prescriptions may require cash payments
• Your home country's public health care offering generally does not cover trips abroad
• Travel medical insurance can cover a broad range of potential situations, including emergency room visits, transportation back to your home country, and prescription drug and dental costs

Frequently asked questions

How much does travel insurance cost?

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. A rule of thumb is travel insurance should typically cost 5% of your trip. Of course, these costs can increase for extended stays like super visa insurance , insurance for snowbirds, and insurance for students or foreign workers.

Can't I just use credit card travel insurance?

While knowing there is a built-in insurance component to your credit card provides great peace of mind, it sometimes falls short of comprehensive travel coverage. Insurance from credit cards usually has a cap on the amount of coverage it provides and is not intended to cover you for medical emergencies that may occur on an extended trip. Moreover, credit card travel insurance is also limited in that its coverage typically only extends to those parts of your trip you paid for using that credit card.

An independently purchased travel insurance policy ensures you are covered for your entire trip and whatever may happen during its duration.

Does travel insurance cover pre existing conditions?

Most travel medical insurance policies do not cover a pre-existing medical condition by default.

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.

As well, some conditions may get excluded from your travel medical insurance coverage during the underwriting process. A pre-existing condition exclusion could include a heart condition, kidney condition, form of dementia,

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

Can you get a refund for travel insurance?

You can typically get a refund for a travel insurance policy as long as you cancel the coverage before the departure date of your trip.

Is travel insurance mandatory?

Most travel insurance is not mandatory, though encouraged as foreign medical expenses can add up quickly. Without travel medical insurance you are personally responsible for any medical expenses you incur during your time away from your home country.

Some travel insurance policies are mandatory. For instance, super visa insurance is mandatory for super visa applicants to get approved for their policy, and an in-force policy is compulsory for the duration of your stay in Canada using the super visa.

Does provincial healthcare cover you when travelling abroad?

No, a public healthcare plan from your province or territory does not cover medical emergencies that happen outside of Canada. Much like how Canada’s public healthcare does not cover those who do not reside in Canada, the healthcare in countries outside of Canada has no reciprocal agreement to treat travelers. Canadians are expected to pay out of pocket for any health or medical procedures they need when outside of Canada.

Thus, it is important to have an in-force travel medical insurance policy when travelling outside of Canada and your home province.

Can I get travel insurance after I have left Canada?

Yes, it is possible to get some coverage, though there will most likely be exclusions on your policy. Many providers in Canada or abroad will offer you emergency medical travel insurance if you have already left Canada but wish to purchase coverage.

However, the policy generally will not be active until 48 hours after you purchase the coverage. This waiting period is designed to prevent someone from acquiring a policy after they have been injured or hospitalized with an illness.

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

If you travel abroad often (more than twice per year) it may be worthwhile to purchase an annual travel policy. Many providers offer annual options for their travel medical insurance policies, which can save you money on premiums and eliminate the need to arrange separate insurance policies for each trip you take or each leg of a multi-trip journey. Many Canadians travel during winters to warmer climates ( snowbirds ), it is advisable to buy multi-trip / annual travel insurance for such needs. Speak with our advisors to see if an annual travel insurance policy makes sense for your plans.

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Travel Insurance

Travel insurance for Canada

Mandy Sleight

Alyce Meserve

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Heidi Gollub

Updated 5:04 a.m. UTC Jan. 25, 2024

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• Travel insurance can cover injuries or illnesses while you’re traveling in Canada, as your domestic health insurance may not travel with you across the border.
• The best travel insurance for Canada will also cover costs associated with trip cancellation, delay and interruption.
• If you plan to travel with high-value items like a laptop, smartphone or camera, ensure the travel insurance you buy has enough per-item coverage for lost, damaged or stolen belongings.

Many U.S. travelers flock to our northern neighbor to take in Canada’s cultural experiences and stunning remote landscapes. While travel insurance isn’t a requirement to enter Canada, it may be worth purchasing for the benefits, like medical insurance, trip cancellation and baggage coverage.

“Even if Canada doesn’t feel too far from the U.S., being out of the country can be stressful, and any unexpected costs that get in your way, from lost baggage to getting sick or injured, can make any mishaps even more upsetting,” said Daniel Durazo, spokesperson for Allianz Global Assistance. “With the right travel insurance policy, you can ease your mind from unexpected travel scenarios or outrageous out-of-pocket bills.” 

Here’s what you should consider when buying travel insurance for Canada.

Understanding travel insurance for Canada 

Understanding Canada travel insurance can make choosing a policy easier. Compare plans to see which policies meet your travel needs. For example, some plans have exclusions for adventure activities, such as rock climbing without equipment, but may offer an adventure sports bundle as an upgrade. 

There are also various limitations on medical coverages, trip delay, trip interruption and trip cancellation benefits that could make one policy better than another for your Canada trip.

It’s best to buy travel insurance soon after making your first trip deposit. This way you’re covered for a longer period, at no additional cost. 

“Travel insurance policies typically only cover unknown and unforeseen situations, from unexpected injuries or illness to flight cancellations and weather-related events,” said Durazo. “If you wait until you have a problem, you likely won’t be covered.”

Buying travel insurance coverage within 14 days of your first trip deposit ensures you get the most benefits. Depending on the plan, buying early could also make you eligible for a pre-existing condition waiver. This means the insurance provider won’t look back at your medical records if you file a claim for a medical condition you already had before buying the policy.

But if you have a trip coming up soon, don’t worry — you can buy a travel insurance policy up to 24 hours before your departure date.

Key coverage considerations for travel insurance in Canada 

The best travel insurance plans bundle together several types of insurance, from trip cancellation insurance to travel medical insurance. No matter what your plans are once you enter Canada, consider these key coverages when researching travel insurance to Canada. 

Trip cancellation insurance  

Sometimes, things happen that require you to cancel your trip. Maybe a family member was going to watch your kids while you’re gone, and they’re now too sick to take care of them. Or severe weather impacts the airline, grounding your flight for the days you planned to be in Canada.

Trip cancellation insurance will reimburse up to 100% of prepaid, nonrefundable expenses, like a flightseeing tour in the Yukon or a Johnston Canyon tour in Banff, if you have to cancel your trip for a covered reason. Other reasons you might have to cancel include family emergency, job loss, severe injury or sickness, terrorism or military deployment. 

However, you can’t cancel for any reason — like a falling out with your travel companion — and get reimbursed, unless you upgrade your travel insurance plan to “cancel for any reason” (CFAR) coverage. Although CFAR can add around 50% to your travel insurance costs, the ability to cancel for any reason and receive up to 75% of your nonrefundable expenses can make the extra expense worth it. Just make sure you cancel at least 48 hours before your departure date and time to get this benefit.

Delays in your Canada trip  

If you’re headed to Canada during winter, severe weather could shut down the airport or cause flight delays. If you’re flying from Baltimore to Whistler with a connection in Chicago, but a winter storm causes delays in Baltimore, you might miss your connecting flight to Vancouver.

Most travel insurance plans will reimburse for meals and hotel accommodation expenses you incur from a travel delay. But to be eligible, the delay usually has to be at least six hours, with some policies requiring 12 consecutive hours before trip delay coverage kicks in. Seven Corners, for instance, will reimburse up to $250 per day per person to a maximum of $2,000 for a delay of at least six hours.

Trip insurance with delay benefits will also reimburse for prepaid expenses you miss out on because of a covered delay. So, if you miss out on your first two days at the ski lodge and can’t transfer or exchange prepaid snowboarding lessons, you can file a claim.

Tackling trip interruption  

The last thing you’d expect while taking in the Halifax, Nova Scotia sites is to have a family emergency back home. If you get a call that your mom fell down the stairs and is in the hospital with a broken leg, you’ll probably be ready to catch the next flight home to be with her.

Luckily, travel insurance includes trip interruption benefits, which can help you get there without a large out-of-pocket expense. Trip interruption coverage will pay for your one-way ticket back home and cover any prepaid accommodations and tours you’ll miss from having to shorten your trip.

Dealing with lost bags and belongings  

Travel insurance will also cover baggage loss and personal items that get damaged, stolen or lost while you’re traveling. So if you check your hiking poles and boots and they get damaged or lost during the flight, your travel insurance will reimburse you for the depreciated cost of those items.

You’ll also have coverage if someone steals your backpack while you’re sightseeing in Toronto. If you’re traveling with high-value items, make sure you have enough coverage. Many travel insurance plans have a $500 to $1,000 cap on certain items like cameras, watches and computers. Some policies also exclude coverage for smartphones.

Making plans for medical bills in Canada

Don’t be surprised if your health insurance provides little to no coverage in Canada or requires you to pay a large out-of-pocket deductible, said Carol Mueller, spokesperson for Berkshire Hathaway. Canada doesn’t accept Medicare from the U.S., and your health insurance won’t cover you unless you have global coverage. The Government of Canada will also not cover hospital and medical expenses for visitors, including American tourists.

Whether you’re planning to hit the slopes, go hiking or just take advantage of what the swanky resort you splurged on has to offer, you never know when you might fall ill or get hurt. This is where travel medical insurance can help. 

Allianz’s OneTrip Prime single-trip plan will pay up to $50,000 for your medical expenses, such as X-rays, prescriptions, doctor’s visits or a hospital stay. Other plans, such as as some in our rating of the best travel insurance for seniors cover up to $500,000.

Even if you’re up-to-date on your COVID-19 vaccines, you might still want to consider a travel insurance plan that covers COVID-related medical treatment, like those in our rating of the best COVID-19 travel insurance .

Evacuation for serious medical issues   

Travel health insurance with medical evacuation coverage is critical if you plan to travel to remote areas of Canada. The nearest trauma facility equipped to treat your medical emergency might be hundreds of miles away, requiring a medevac to get you there.

If you don’t have medical plan coverage, you could be on the hook for thousands of dollars in medical costs and private medical transportation. Travel insurance provides emergency medical evacuation coverage . 

The Allianz OneTrip Prime and Berkshire Hathaway’s ExactCare travel plans will cover up to $500,000 for emergency medical transportation and repatriation of remains. Travel Guard and Seven Corners plans will each provide up to $1 million. 

What is the cost of Canada travel insurance? 

There are several factors insurers use to determine the cost of a travel insurance policy , including age, trip cost, destination and length of the trip. In general, you can expect travel insurance to cost about 5% to 6% of your total trip cost.  

When calculating the trip expenses to insure, only include those that are nonrefundable. If your prepaid, nonrefundable flights, accommodations and tours total $5,000, you can expect to pay around $275 for travel insurance. You may pay more if you choose a plan with higher coverage limits and upgrades.

Companies use different criteria and weigh factors differently than other providers, so comparing travel insurance policy quotes can help you find the most comprehensive plan for the best price. You can use travel insurance comparison sites like Squaremouth to compare coverage limits and add-on coverage such as rental car, “cancel for any reason” and adventure sports. 

Key benefits of having travel insurance for your Canada trip  

Even though you’re not flying across an ocean, that doesn’t mean you shouldn’t buy a travel insurance plan. Some of the key benefits of having travel insurance for your Canada trip include:

• Not stressing or worrying about not having government health insurance plan coverage since you’re not a Canadian resident.
• Not losing out on your nonrefundable, prepaid trip costs if something unforeseen occurs and you have to cancel your trip or head home early.
• Knowing that if your trip is delayed or canceled, or you lose a bag or get something stolen, you have coverage to recoup at least some of your out-of-pocket costs.

The right travel plan can provide peace of mind, and many policies will pay for themselves if you need to make a claim for a covered reason.

Tips for choosing the best travel insurance provider for your Canada trip  

Comparing travel insurance companies can help you make the right choice when choosing a travel insurance product. Check customer reviews and complaints on websites like Trustpilot. Travel insurance comparison sites like Squaremouth and InsureMyTrip can also help you identify the best travel insurance company and most generous policy.

Don’t be afraid to call an insurance company to ask them “what if?” questions to ensure you’re getting the right policy. “You should feel confident in the coverage you purchase and trust you will receive the level of claims service you deserve if you need to file a claim,” said Mueller.

You should always read the fine print to know your policy’s limitations and exclusions. This includes restrictions on trip delay, cancellation and interruption benefits, and understanding what you’ll need to file a claim for baggage damage, loss, or medical care. 

Tip: Most travel insurance companies offer a 10 to 15 free look period, which allows you to review the policy and cancel it for a full refund if you decide it’s not the best choice.

Other insurance considerations for Canada 

If you’re planning to participate in adventure activities, like dogsledding in the Yukon, kayaking the Johnstone Strait to see orcas or surfing and hiking in the Pacific Rim National Park Reserve, you want to make sure you’re covered. 

World Nomads Explorer travel insurance plan covers more than 200 adventure activities. You can also get extreme sports coverage, license fees and equipment delay coverage with Berkshire Hathaway’s AdrenalineCare travel plan. Travel Guard offers an Adventure Sports Bundle optional upgrade, which waives benefit exclusions for adventure and extreme activities.

We mentioned CFAR coverage above, but some policies also offer optional “interruption for any reason” (IFAR) coverage. It works like CFAR, allowing you to end your trip early for any reason, not just those listed in your policy. Seven Corners offers a CFAR and IFAR upgrade for up to 75% of nonrefundable trip costs as long as you purchase it within 20 days of your first trip payment.

Road trips are also a popular way to see Canada’s beauty. If you plan to rent a car, it may be worth getting rental vehicle coverage if your credit card doesn’t offer it. World Nomads will cover up to $35,000 in collision damage waiver, while Travel Guard’s rental vehicle damage coverage will pay up to $50,000 in damage to your rental vehicle. Note that this coverage does not include liability insurance , if you are at fault for an accident that results in injuries or damage to others’ property. Check with your car insurance company to make sure your U.S. auto insurance coverage extends to driving in Canada. 

Travel insurance for Canada FAQs

Travel insurance is not a requirement to travel to Canada. However, travel insurance will provide travel medical insurance and emergency medical evacuation coverage, as well as benefits for lost or delayed baggage, trip delay, cancellation or interruption and sometimes missed connections. 

The average cost of travel insurance is around 5% to 6% of your travel costs to Canada. Your age, trip cost and other factors determine how much you’ll pay for travel insurance.

To find the best travel insurance for Canada, fill out a brief online form on an insurer’s website with your name, age, address and details about your trip, like the total cost and number of travelers. A travel insurance comparison site like Squaremouth allows you to fill out one application and get multiple quotes at the same time. 

The best travel insurance in Canada depends on where you’re going, what activities you’re doing and the types of coverage you need. After comparing dozens of providers, we found WorldTrips , Travel Insured and TravelSafe are among the best travel insurance companies .

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Mandy is an insurance writer who has been creating online content since 2018. Before becoming a full-time freelance writer, Mandy spent 15 years working as an insurance agent. Her work has been published in Bankrate, MoneyGeek, The Insurance Bulletin, U.S. News and more.

Alyce Meserve is an experienced insurance, personal finance and travel writer. Alyce is a licensed insurance professional in life, health and property and casualty, and holds an Executive Certificate in Financial Planning from Duke University.

Heidi Gollub is the USA TODAY Blueprint managing editor of insurance. She was previously lead editor of insurance at Forbes Advisor and led the insurance team at U.S. News & World Report as assistant managing editor of 360 Reviews. Heidi has an MBA from Emporia State University and is a licensed property and casualty insurance expert.

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Travel Insurance For Canada: What You Need To Know Before You Go

Published: Apr 30, 2024, 9:51am

Table of Contents

Do you need travel insurance for canada, what type of travel insurance do you need, what does travel insurance for canada cover, what does travel insurance exclude, best travel insurance for canada, frequently asked questions (faqs).

From hiking trails in Ontario to traversing the slopes of the famous ski resort town of Whistler, there is no shortage of places to visit in Canada.

The vast North American country is a popular destination for travel-loving Aussies. In addition to a growing share of business travelers, more than 350,000 Australian tourists typically visit Canada each year.

While visitor numbers faded during the Covid-19 pandemic, the multitude of Australians heading to the Great White North has picked up in the last two years, particularly to experience the country’s stunning landscape.

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Travel insurance for Canada isn’t compulsory, but it’s highly recommended to cover for any lost or stolen baggage, the possibility of your trip getting cancelled due to an emergency, illness such as Covid-19 or bereavement, and to cover medical expenses.

The Australian Government’s Smartraveller website recommends that travellers purchase travel insurance before any overseas trip.

As in any foreign country, medical care in Canada can be expensive for visitors, with a visit to a doctor potentially setting you back by hundreds of dollars.

The Australian government won’t cover these costs, and there is no reciprocal healthcare agreement between Australia and Canada, so you aren’t covered by Australian Medicare either.

In addition, given the large geography of the country covering a variety of destinations from beaches to mountains to national parks, it is wise to hold insurance cover for a multitude of events and a variety of potential risks including natural disasters, crime or other types of emergencies.

International travel cover for Canada is generally available in the following ways:

Basic travel insurance

This type of policy is broadly focused on cover for unlimited overseas emergency medical expenses, but also includes insurance for luggage, personal liability and other essential benefits. It is usually the cheapest option available and is suitable for those traveling on a budget or for single trips.

Comprehensive travel insurance

This type of insurance typically includes higher amounts of cover for the essentials benefits such as medical expenses, luggage, personal liability, and so on. In addition, it includes cover for travel delays, rental vehicle excess, loss of passports and credit cards, hijacking, disability, accidental death, and more, depending on your policy.

Some insurers offer variations of the comprehensive policy that are suitable for multiple trips within a 12-month period.

Optional add-on policies

Given the growing number of Australians heading to Canada for cruises, road trips or to the ski slopes, some insurers have come up with add-on policies specifically tailored for a variety of adventure sports and transport options available. These include cruise packs, winter sports packs and even higher cover for rental vehicles.

Related: How Much Does Travel Insurance Cost?

Most international travel insurance policies will cover medical and hospital expenses, ambulance transportation, repatriation flights, as well as personal liability if you injure someone, or damage property while you’re in the country.

Policies will also cover, within limits, lost or delayed luggage and possessions, the costs of trip delays, interruptions or cancellations, and lost or stolen travel documents.

Comprehensive policies usually offer a broader cover to include personal accident cover in case of an injury during your trip that leads to permanent disability or death, and insurance excess payment if your rental car meets with an accident.

If you are planning to take advantage of Canada’s vast offering of adventure sports and activities, make sure these are covered by your policy—or that there is an option to add it on.

Most comprehensive policies will include popular sporting and leisure activities such as hiking, surfing, kayaking, and so on. However, more extreme activities such as skydiving, scuba diving, snow skiing or snowboarding will generally require an additional adventure sports cover at extra cost.

Most travel insurance policies to Canada will not provide cover in the following cases:

• Illegal activities: Insurers will reject any claims arising if you knowingly act illegally or dangerously.
• If you are under the influence: Insurance cover is specifically void if you cause a disturbance through drunken behaviour or under the influence of drugs.
• Unattended luggage: Insurers will ignore any claim for loss if your luggage is stolen while it was left unattended in public.
• Pre-existing medical conditions: Insurers can avoid claims for any major medical conditions, if they have not been made aware of these before taking out a policy.
• Extreme sports: International travel insurance policies generally don’t provide automatic coverage for things like extreme sports, snowboarding or surfing. An optional add-on cover is required for these activities.

Most travel insurers in Australia offer insurance policies for travel to Canada. What policy suits you best will depend on your requirements including duration, age, and the type of cover.

It will also be determined by your specific needs, such as whether you are taking part in snow sports or other adventure activities.

An easy way to compare travel insurance policies is to use an online comparison tool, or read through our leading picks of travel insurance policies for Australians . However, always consider whether or not they include the extras you will require for your trip, and any pre-existing medical conditions you would require cover for.

Do I need travel insurance to travel to Canada?

Travel insurance for Canada isn’t mandatory, but is highly recommended.

The Australian Government urges travellers to purchase travel insurance before any overseas trip, especially for medical cover.

Medical costs can be extremely expensive in a foreign country, especially if you have to visit a doctor, dentist or hospital in an emergency, so travel insurance is very handy.

Does my visa card have travel insurance?

Not every credit card comes with travel insurance. Complimentary travel insurance is typically offered on premium credit or rewards cards that have higher annual fees. In addition, this may not cover all circumstances or emergencies. By comparison, a travel insurance policy will offer more comprehensive coverage that includes emergency medical expenses.

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Prashant Mehra is a freelance journalist based in Sydney. He has more than 20 years of international experience covering financial news, including with Reuters and the Australian Associated Press (AAP). He writes about business, markets, the economy and investing.

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AXA Travel Insurance Review — Is it Worth It?

Jessica Merritt

Editor & Content Contributor

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Why Get Travel Insurance?

Travel insurance and covid-19, types of policies available with axa, how to get a quote, axa vs. credit card travel insurance, axa vs. other travel insurance companies, how to file a claim with axa travel insurance, final thoughts.

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

Whether you’re traveling the world or crossing state lines, travel insurance such as the policies offered by AXA Travel Insurance can offer a safety net in case you have to cancel or interrupt your trip or need support along the way for medical emergencies, lost bags, or missed connections.

For more than 60 years, AXA Travel Insurance has provided peace of mind and financial stability to travelers. With solid ratings and underwriting by Nationwide Mutual Insurance, travel insurance plans sold by AXA are backed by an A.M. Best Excellent financial strength rating. AXA offers travel insurance with trip interruption and cancellation coverage, medical emergency and evacuation benefits, lost or delayed baggage, and more.

Let’s examine AXA’s travel insurance coverage options, benefits, and service and compare it to alternatives such as credit card travel coverage and other travel insurance providers.

Travel insurance can protect what you’ve invested in an upcoming trip. When the unexpected occurs, such as a trip cancellation or medical need , travel insurance can offer the benefits you need to cover it.

You might choose travel insurance for these reasons:

• Your trip has deposits or payments that you can’t get refunded if you need to cancel your trip.
• The health insurance you use at home doesn’t work at your destination.
• You’re planning activities that aren’t covered by your health insurance.
• Medical care is subpar at your destination and you may need to be evacuated to another location with adequate medical facilities.
• You’re concerned about the possibility of lost bags, delays, or missed connections, especially if you have multiple flights or transfers.

Travel insurance isn’t necessary for every trip, such as if you’re traveling domestically where your health insurance works and you don’t have major nonrefundable expenses. But travel insurance is worth it if you’ve got a lot of nonrefundable expenses invested in your trip or you’ll need medical coverage at your destination.

COVID-19 can interrupt your travel plans, whether you get sick and have to cancel a trip, need to quarantine or get medical treatment while traveling, or plan to visit a destination with high COVID-19 numbers. While some travel insurance companies  exclude COVID-19 from insurance coverage , AXA offers COVID-19 coverage as part of its travel protection plans , including trip cancellation and trip interruption and emergency medical and evacuation coverage.

Why Purchase Travel Insurance From AXA?

Any travel insurance company you purchase a policy from should be reputable, reliable, and stable. After all, you’re relying on the company to be there for you when you need it most. It pays to verify reviews and ratings — AXA offers good reassurance in this area.

With 64 years in business, AXA has an A- Better Business Bureau rating . On the travel insurance website Squaremouth , AXA has an overall 4.22/5 rating , with 0.1% negative reviews among more than 69,000 policies sold . AXA’s travel insurance plans are backed by Nationwide Mutual Insurance, which has an A (Excellent) financial strength rating from financial rating company A.M. Best. With 6 decades in business and solid ratings , AXA is a travel insurance company you can trust.

AXA offers travel insurance with medical and emergency evacuation benefits, trip cancellation and interruption, baggage loss, and Cancel for Any Reason (CFAR) options. Let’s look at the details of AXA travel insurance policies.

AXA offers 3 levels of travel insurance : Silver, Gold, and Platinum . Each level offers different limits, but all of AXA’s policies have 100% trip cancellation coverage, emergency medical coverage and medical evacuation, baggage delay and loss, and missed connection coverage.

Let’s compare what you get with each policy:

With plans as low as $16 and minimal coverage, AXA recommends the Silver plan for domestic travel. You can cover 100% of your trip cost for trip cancellation and interruption coverage. If your travel is delayed, you can get up to $100 per day for expenses, up to $500 total, and $200 for delayed baggage.

There’s also $500 in missed connection coverage. The $25,000 in emergency medical expense coverage isn’t much, but it might be adequate for domestic travel if you’re using your primary health insurance first.

Gold plans start at $36 but add more coverage and are appropriate for cruises or Schengen travel . Like the Silver plan, the Gold plan offers up to 100% trip cancellation coverage but bumps trip interruption to 150% of your trip cost. Limits for all coverages are higher, with $200 per day and $1,000 maximum in trip delay coverage and $1,000 for missed connections. Baggage delays offer up to $300, and you can get up to $1,500 for lost baggage and personal effects.

The health coverage is also much higher at $100,000, and it adds a $50,000 non-medical emergency evacuation option on top of the $500,000 medical emergency evacuation benefit. This plan also offers an optional $35,000 collision damage waiver.

The Platinum plan , starting at $52, steps up coverage and offers additional options. You’ll get 100% trip cost coverage for trip cancellation and 150% for trip interruption. Trip delay coverage offers up to $300 per day and a $1,250 maximum, plus $600 for baggage delays and $3,000 for lost baggage and personal effects.

Emergency medical treatment is also higher at $250,000, and you’re covered for $1 million in emergency medical evacuation — $100,000 for non-medical evacuation.

The Platinum plan also offers additional coverage for sports, with $25 per day for lost skier days, $500 for lost golf rounds, and $1,000 for sports equipment rental. It also offers optional coverage for up to 75% of trip cost with Cancel for Any Reason coverage and a $50,000 collision damage waiver.

You can get a quote directly from AXA by visiting the AXA Travel Insurance website . The quote form is the first thing you’ll see on the homepage.

To start your quote, you’ll fill out the quote form, including your state of residence, destination country, travel dates, first deposit date, total trip cost, number of travelers (up to 10), and the age of travelers.

Once you fill out the form, you’ll be presented with plan options. For a 60-year-old visiting Japan and spending $2,500, we were offered a Silver ($155), Gold ($183), or Platinum ($218) plan .

If you select a Platinum plan, you will be able to add CFAR optional coverage for up to 75% of your trip cost.

With your plan and options selected, the next and final step to secure coverage is entering your traveler information including your name and contact information, then making your payment for the policy.

How AXA Compares — Summary

AXA is a good option for travel insurance, but it’s not your only option. Let’s see how AXA compares to the coverage you can get from popular travel credit cards and travel insurance competitors .

Many travel credit cards offer travel insurance as a complimentary benefit, whether it’s car rental collision waivers , trip cancellation coverage , or emergency medical and evacuation benefits. This coverage can be helpful if you’re using your card to pay for your travel expenses, but it’s often not as comprehensive as the coverage you can get from a travel insurance policy like what AXA offers .

Let’s compare AXA’s best travel insurance policy against The Platinum Card ®  from American Express  and the  Chase Sapphire Reserve ® , which both offer some of the best travel protections available with credit card benefits.

Unless you’re taking a trip with expenses higher than $10,000, the trip cancellation coverage should be about the same whether you’re using an Amex Platinum card, Chase Sapphire Reserve card, or the AXA Platinum plan. However, the AXA Platinum plan comes out ahead with 150% of your trip cost for trip interruption.

We see a major difference in coverage for emergency medical treatment and evacuation. The Amex Platinum card doesn’t offer emergency medical coverage, but you can arrange an emergency medical evacuation using the Premium Global Assist Hotline. The Chase Sapphire Reserve card offers up to $2,500 in emergency medical coverage and $100,000 for emergency evacuation. Neither of these offerings compares to the $250,000 in emergency medical coverage and $1 million in emergency medical evacuation coverage you can get from AXA Platinum.

Credit card travel insurance coverage is complimentary if you already have the card, but it is lacking in some areas. It’s a good idea to use your card’s travel insurance as a backup for trip cancellation, interruption, travel delays, or lost baggage, but use the AXA Platinum plan for its superior emergency medical and evacuation coverage.

It’s always a good idea to compare travel insurance quotes across multiple providers so you can find the best price and coverage. We used Squaremouth , a travel insurance comparison website, to see how AXA’s policies compare to those of other companies.

As with the initial price quotes we pulled from AXA’s website, our sample trip on Squaremouth had:

• Traveling to Japan a month from now
• Trip cost: $2,500
• Initial trip deposit paid within the last 24 hours
• State of residence: Texas

We limited results to policies that offer at least as much coverage as the AXA Platinum policy does on major benefits:

• COVID-19 coverage
• Minimum $250,000 emergency medical benefit
• Minimum $1 million emergency medical benefit
• 100% trip cancellation
• 150% trip interruption

Each policy offered nearly identical coverage for these major benefits, and Tin Leg ‘s Silver plan had the lowest cost at $164.35, followed closely by $165.84 from HTH Worldwide ‘s TripProtector Classic plan.

If you’re mainly concerned with full coverage for trip cancellation and interruption along with $250,000 in emergency medical and $1 million for emergency medical evacuation, you can save if you go with Tin Leg .

However, the higher-priced policies offer additional coverage and options. For example, AXA Platinum offers the option to add Cancel for Any Reason coverage and includes sports equipment rentals and missed ski days or golf rounds. Tin Leg doesn’t have missed connection coverage, but Seven Corners Trip Protection Choice and AXA Platinum offer up to $1,500 for missed connections on cruises or tours.

All of the policies we quoted except for Tin Leg Silver offer employment layoff as a covered cancellation reason, and AXA Platinum allows you to cancel your trip for work reasons, though none of the other policies do. AXA Platinum also offers $100,000 in non-medical evacuation , which Tin Leg Silver and HTH Worldwide TripProtector Classic policies do not, and is much higher than the $20,000 benefit offered by the Seven Corners Trip Protection Choice policy.

AXA Platinum has a higher cost than competitors but offers more robust coverage. If you’re mainly concerned with major coverage for trip cancellation and interruption, emergency medical, and emergency evacuation, other travel insurance companies may offer a better quote. But if you want additional coverage and options such as non-medical evacuation and expanded cancellation reasons, check out the details on what AXA Platinum offers.

You can file a claim with AXA in a few ways:

• Using the claim administrator portal

If you’d like to file your claim online, you can visit the portal for Co-Ordinated Benefit Plans and enter your policy number and last name to get started.

Alternatively, you can call AXA toll-free at 888-957-5015 or collect at 727-450-8794 .

If you’d like to submit your claim via email or mail, you can download claim forms on the AXA website.

Once you download the claim form, you’ll get a list of documents required for submitting your travel insurance claim, along with mail or email info. For example, on a trip interruption claim form, AXA requires you to send in:

• Completed claim form
• Policy verification
• Booking confirmation, such as a ticket or proof of purchase
• Your original unused, nonrefundable tickets
• Your new ticket with confirmation of early return
• A cancellation statement from travel suppliers
• A medical report or physician statement if you interrupted the trip due to medical necessity
• Death certificate, if applicable
• Documentation of circumstances that led to trip interruption
• Documentation of reimbursement request expenses, such as receipts or credit card statements

You can email the form and other required documents to [email protected] or mail to:

AXA Assistance USA On Behalf of Nationwide Mutual Insurance Company and Affiliated Companies P.O. Box 26222 Tampa, FL 33623

AXA Travel Insurance is a reliable option with more than 6 decades of experience and solid ratings. There are 3 levels of coverage to choose from — Silver, Gold, and Platinum — that offer varying levels of coverage and options. AXA Travel Insurance isn’t the cheapest option, but it offers robust coverage options and reputable service, so it can be a good choice if you’re looking for enhanced travel protection.

For the premium global assist hotline benefit of The Platinum Card ® from American Express, you can rely on Global Assist Hotline 24 hours a day / 7 days a week for medical, legal, financial or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Plus, we may provide emergency medical transportation assistance and related services. Third-party service costs may be your responsibility. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. If approved and coordinated by premium global assist hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, Card Members may be responsible for the costs charged by third-party service providers.

For the car rental loss and damage insurance benefit of The Platinum Card ® from American Express, car rental loss and damage insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the commercial car rental company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. geographic restrictions apply. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

For the baggage insurance plan benefit of The Platinum Card ® from American Express, baggage insurance plan coverage can be in effect for covered persons for eligible lost, damaged, or stolen baggage during their travel on a common carrier vehicle (e.g. plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one-way or round-trip) is charged to an eligible card. Coverage can be provided for up to $2,000 for checked baggage and up to a combined maximum of $3,000 for checked and carry-on baggage, in excess of coverage provided by the common carrier. The coverage is also subject to a $3,000 aggregate limit per covered trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each covered person with a $10,000 aggregate maximum for all covered persons per covered trip. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the trip delay insurance benefit of The Platinum Card ® from American Express, up to $500 per covered trip that is delayed for more than 6 hours; and 2 claims per eligible card per 12 consecutive month period. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

For the trip cancellation and interruption insurance benefit of The Platinum Card ® from American Express, the maximum benefit amount for trip cancellation and interruption insurance is $10,000 per covered trip and $20,000 per eligible card per 12 consecutive month period. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

For rates and fees of The Platinum Card ® from American Express, click here .

Frequently Asked Questions

Does the axa silver travel insurance plan provide coverage for a safari.

Yes, AXA’s travel insurance policies offer coverage for safaris, including emergency medical expenses. Safaris are under the sports and activities covered for emergency medical and repatriation costs and personal accidents.

Is AXA travel insurance worth it?

AXA travel insurance can be worth it if you need coverage for significant nonrefundable expenses or your health coverage doesn’t extend to your destination. Competitors may offer lower cost policies for similar major coverage, but AXA may have greater policy options, so it’s a good idea to compare your options.

Is AXA travel insurance good for a Schengen visa?

AXA recommends its Gold plan or higher for Schengen travel.

Is AXA an international insurance?

Yes, you can use AXA for international travel , with coverage for countries in Europe, Asia and Pacific islands, the U.S. and Canada, Africa and the Middle East, Latin America, and the Caribbean.

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About Jessica Merritt

A long-time points and miles student, Jessica is the former Personal Finance Managing Editor at U.S. News and World Report and is passionate about helping consumers fund their travels for as little cash as possible.

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• Best overall
• Best for expensive trips
• Best for exotic trips
• Best for annual plans

How we reviewed travel insurance for seniors

Best travel insurance for seniors of may 2024.

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

Reaching your golden years doesn't mean your adventures have to end. In fact, in this stage of life, you'll hopefully have more time and resources to travel. But as a senior citizen, you'll want to ensure you have travel insurance that covers any health-related issues arise while you travel.

Our top picks for the best senior travel insurance

• Best overall: Allianz Travel Insurance
• Best for expensive trips: John Hancock Travel Insurance
• Best for exotic trips: World Nomads Travel Insurance

Best for annual plans: Travel Guard

How we rate the best senior travel insurance companies »

Compare travel insurance for seniors

Your health gets more unpredictable as you age, which makes travel insurance more important for seniors. Unfortunately, it's also more expensive. The best travel insurance for seniors won't have too steep of a price hike compared to rates for younger travelers. It will have high coverage limits for emergency medical coverage, trip cancellations, and and emergency medical evacuation. It's also important that your travel insurance offers pre-existing condition waivers , ideally at no extra cost to the traveler. 

Here are our picks for the best travel insurance coverage for seniors in 2024.

Best overall: Allianz

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Good option for frequent travelers thanks to its annual multi-trip policies
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Doesn't increase premium for trips longer than 30 days, meaning it could be one of the more affordable options for a long trip
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Some plans include free coverage for children 17 and under
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Concierge included with some plans
• con icon Two crossed lines that form an 'X'. Coverage for medical emergency is lower than some competitors' policies
• con icon Two crossed lines that form an 'X'. Plans don't include coverage contact sports and high-altitude activities
• Single and multi-trip plans available
• Trip cancellation and interruption coverage starting at up to $10,000 (higher limits with more expensive plans)
• Preexisting medical condition coverage available with some plans

Allianz Travel Insurance is one of the most widely recognized names in travel insurance, and it stands out as one of the top travel insurance providers for seniors. It offers a wide range of policies covering medical treatments overseas and emergency medical transport.

Allianz also provides options for varying trip lengths. Its annual multi-trip policies , for example, cover any trip you make during your policy period, even if they aren't yet planned, making it an excellent option for seniors who vacation multiple times per year.

Read our Allianz Travel Insurance review here.

Best for expensive trips: John Hancock

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers 3 travel insurance plans
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Cancel for any reason rider available
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Affordable travel insurance premiums
• con icon Two crossed lines that form an 'X'. Reviews of claims process are mixed
• con icon Two crossed lines that form an 'X'. Buyers may not get specialty coverage for sports equipment and other high value items
• Trip cancellation for 100% of the trip cost
• Trip interruption insurance for up to 150% of the trip cost
• Emergency medical coverage of up to $250,000 per person
• Medical evacuation coverage of up to $1,000,000

John Hancock Travel Insurance plans for seniors offer some of the best coverage available. It provides generous maximum benefit amounts while still offering affordable prices.

Each plan includes coverages like trip cancellation, emergency accident, and emergency medical, with the option to add benefits like CFAR (cancel for any reason) . Plus, getting a free online quote is a quick and straightforward process.

Read our John Hancock Travel Insurance review here.

Best for exotic trips: World Nomads

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Coverage for 200+ activities like skiing, surfing, and rock climbing
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Only two plans to choose from, making it simple to find the right option
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. You can purchase coverage even after your trip has started
• con icon Two crossed lines that form an 'X'. If your trip costs more than $10,000, you may want to choose other insurance because trip protection is capped at up to $10,000 (for the Explorer plan)
• con icon Two crossed lines that form an 'X'. Doesn't offer coverage for travelers older than 70
• con icon Two crossed lines that form an 'X'. No Cancel for Any Reason (CFAR) option
• Coverage for 150+ activities and sports
• 2 plans: Standard and Explorer
• Trip protection for up to $10,000
• Emergency medical insurance of up to $100,000
• Emergency evacuation coverage for up to $500,000
• Coverage to protect your items (up to $3,000)

World Nomads Travel Insurance is a great choice for active senior citizens under 70 who want comprehensive travel insurance. The key difference between World Nomads and many other providers is that it covers 200+ adventurous activities like scuba diving, mountain biking, surfing, skiing, and even bungee jumping. In addition, World Nomads' trip cancellation and emergency medical coverage includes COVID-19-related issues. Many other insurers are excluding that type of coverage now.

For adventurous senior citizens over the age of 70 years, World Nomads suggests working with its partner, TripAssure .

Read our World Nomads Travel Insurance review here.

Trip cancellation coverage for up to 100% of the trip cost and trip interruption coverage for up to 150% of the trip cost

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Trip cancellation coverage of up to 100% of the cost, for all three plan levels
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. CFAR covers up to 75% of total trip costs (maximum of $112,500 on some plans) 
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Medical coverage of up to $500,000 and evacuation of up to $1,000,000 per person
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Includes COVID coverage 
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Above average baggage loss and delay benefits
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. High medical evacuation coverage
• con icon Two crossed lines that form an 'X'. Premiums may run slightly higher than competitors

Travel Guard is a well-established and highly rated name in the travel insurance industry. It offers three main coverage options to choose from, and in general its policies have above-average coverage for baggage loss and baggage delays, plus high medical evaluation coverage limits.

• Trip cancellation coverage for up to 100% of the trip cost
• Trip interruption coverage for up to 150% of the trip cost
• Preexisting medical conditions exclusions waiver must be purchased within 15 days of initial trip payment
• Annual travel insurance plan and Pack N' Go plan (for last-minute trips) available

Travel Guard  offers comprehensive insurance plans for shorter and longer trips. One of its more unique offerings is its Travel Guard Annual Plan.

This annual travel insurance comes with standard coverage benefits (trip delay, baggage loss, etc.) and substantial coverage amounts, which is important for seniors who travel multiple times per year. Travel Guard also offers a preexisting medical condition waiver, meaning those with certain medical issues can still gain coverage.

Read our AIG Travel Guard Insurance review here.

Understanding travel insurance for seniors

Before diving into the specifics, it's essential to understand what travel insurance is and why it's particularly important for senior travelers. The best travel insurance offers financial protection against unexpected events affecting your trip, such as trip cancellations, medical emergencies, or lost luggage.

Types of coverage

• Medical Coverage: Ensures your medical expenses are covered in case of illness or injury.
• Trip Cancellation/Interruption Coverage: Provides reimbursement if your trip is canceled or cut short due to unforeseen events.
• Baggage Coverage: Covers loss, damage, or theft of personal items during your trip.

Benefits of travel insurance for seniors

• Peace of Mind: Knowing you're covered in case of emergencies can make your travel stress-free.
• Financial Protection: Shields you from potentially overwhelming medical costs and trip cancellations fees.
• Assistance Services: Many plans offer 24/7 assistance services, providing help whenever and wherever you need it.

Making the most of your plan

After choosing a plan, it's crucial to understand your policy fully and know what services are available to you in case of an emergency.

Understanding your policy

• Read the fine print and understand the claims process to avoid surprises.

Emergency assistance services

• Familiarize yourself with the emergency assistance services offered by your plan and keep all necessary contact information handy.

How to pick senior travel insurance

It's wise to compare several different travel insurance policies for the best coverage and pricing, as premiums vary widely between insurers and depend on factors like your age and travel destination.

That said, some of the more essential coverages to look for if you're a senior citizen include:

• Travel medical coverage - This coverage will pay for your medical bills outside the US.
• Medical evacuation coverage - If you're injured or become sick while traveling, this coverage will transport you to the nearest hospital or even back home if your condition necessitates it.
• Preexisting conditions - Coverage for known health conditions. You'll need to purchase travel insurance within a certain time period from when you book your trip to qualify for a preexisting condition waiver .
• Cancel for any reason (CFAR) - The name says it all! It'll cost extra and you'll need to purchase insurance early, but it's the most comprehensive trip cancellation coverage you can get. Note that CFAR insurance usually only covers up to 75% of your trip fees.
• Trip cancellation insurance - This coverage provides reimbursement for your prepaid and nonrefundable costs if you cannot make your trip due to an unforeseen event.
• Baggage delay insurance - This coverage will reimburse you for essentials like toiletries and clothes if your bags are delayed.
• Lost luggage insurance - This coverage will reimburse you up to a specified amount if your bags get lost en route.

Of these, the most critical to note are whether or not your policy covers preexisting conditions and the limits for travel medical insurance and emergency medical evacuation.

Some insurance companies offer a waiver that will cover preexisting conditions. You'll have to follow the requirements for adding a waiver to your policy, like insuring the entire cost of your trip. Or purchase the policy within a specific time after making your first trip deposit payments.

You'll also want to find a policy with high maximum limits for travel medical and emergency medical evacuation coverage. These types of expenses can be substantial, so you want to have appropriate coverage.

When comparing senior travel insurance options, we looked at the following factors to evaluate each travel insurance provider:

• Coverage limits: We looked at each travel insurance company's coverage amounts for benefits like medical emergencies and trip cancellation.
• Flexibility: We looked at how customizable a policy is, so you can choose what your travel insurance policy covers .
• Coverage for preexisting conditions: Preexisting conditions are one of the more critical factors for travel insurance for senior citizens, so we looked at travel insurance companies that offer the best coverage for preexisting conditions.
• Price: We compared travel insurance providers offering reasonable basic and comprehensive coverage rates.
• Benefits geared towards seniors: We compared travel insurance companies that offer solid coverage for senior citizens, like medical evacuation, COVID-19 coverage, and trip cancellation.

You can read more about our insurance rating methodology here.

Seniors should look for travel insurance policies that offer comprehensive medical coverage, including for preexisting conditions and emergency medical evacuation. They should also consider policies with higher coverage limits to ensure adequate protection. Additionally, seniors should seek travel insurance plans that provide 24/7 assistance services, as well as coverage for trip cancellations, interruptions, and baggage protection.

The cost of senior travel insurance coverage can vary depending on your age, overall health, state of residence, travel destination, and length of your trip. However, assuming all other factors are the same, you'll pay more for travel insurance at 70 than at 30.

All travel insurance companies, except World Nomads, included in this guide offer coverage for pre-existing medical conditions as long as you buy your policy within the qualifying period from when you placed your trip deposit.

Allianz is the best travel insurance for seniors due to its wide array of medical coverages and emergency medical transport. Allianz also offers multi-trip insurance policies , which could make sense for seniors who travel frequently.

In some instances, travel insurance companies will have age eligibility restrictions, often only insuring people 80 years old and younger.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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