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COVID-19: travel health notice for all travellers

United Kingdom travel advice

Latest updates: Editorial change

Last updated: April 26, 2024 15:39 ET

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Safety and security, entry and exit requirements, laws and culture, natural disasters and climate, united kingdom - exercise a high degree of caution.

Exercise a high degree of caution in the United Kingdom due to the threat of terrorism.

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There is a threat of terrorism in Europe. Terrorists have carried out attacks in several European cities.

In the United Kingdom, previous attacks have resulted in casualties. They have included random violent incidents in public areas, such as knife and vehicle attacks as well as explosions.

These incidents have occurred mainly in the London area but have also happened elsewhere.

Further attacks in the United Kingdom are likely. Targets could include:

• government buildings, including schools
• places of worship
• airports and other transportation hubs and networks
• public areas such as tourist attractions, restaurants, bars, coffee shops, shopping centres, markets, hotels and other sites frequented by foreigners

Always be aware of your surroundings when in public places. Be particularly vigilant if attending:

• sporting events
• religious holidays
• public celebrations
• major political events, such as elections

Terrorists have used such occasions to mount attacks.

The Government of the United Kingdom maintains a public alert system on terrorism and communicates terrorism and national emergency threat level changes online and through local media. The national terrorism and national emergency threat level is currently 3 (“substantial”) on a scale of 5. A separate threat level for Northern Ireland is currently 4 (“severe”) on a scale of 5.

National threat level  - British Home Office

Petty crime

Petty crime, such as pickpocketing and purse snatching, is common. Cellphone theft is common in certain tourist areas of London. Vehicle theft and theft from parked vehicles also occurs, particularly in tourist areas and roadside rest areas. Theft is common in restaurants, pubs and bars. Never leave bags or purses hanging on the back of your chair.

Thieves work alone and in groups. They may use various techniques to distract you and steal your belongings.

They are especially active in crowded areas, such as:

• tourist attractions and busy areas, including Piccadilly Circus, Trafalgar Square and Leicester Square
• airports and public transportation
• patios and outdoor cafés
• hotel lobbies
• underground pedestrian walkways
• roadside stops

Violent crime

Violent crime, such as mugging, knife crime and sexual assault occurs, particularly in larger cities. There have been incidents of passengers being sexually assaulted and robbed when riding in unlicensed taxis.

If you are the victim of a crime on the transportation system, including in a taxi, consult Transport for London to learn how to report it.

Report a crime or incident on the transportation system  - Transport for London

During your trip:

• ensure that your belongings, including your passport, are secure at all times
• don’t keep your passport and other types of ID at the same place and carry a photocopy rather than the original
• avoid showing signs of affluence
• avoid carrying large sums of cash or unnecessary valuables
• pay attention to your surroundings, particularly in crowded and tourist areas
• be wary of unsolicited offers or advice from strangers
• be vigilant in urban areas, particularly after dark
• never leave personal belongings unattended in a vehicle, even in the trunk
• use secure parking facilities, especially overnight

Spiked food and drinks

Snacks, beverages, gum and cigarettes may contain drugs that could put you at risk of sexual assault and robbery.

• Be wary of accepting these items from new acquaintances
• Never leave food or drinks unattended or in the care of strangers

Credit card and ATM fraud

Credit card and ATM fraud occurs. Fraud can range from simple to sophisticated, and sometimes involve hidden electronic devices that obtain account information and personal identification numbers.

When using debit or credit cards:

• pay careful attention when others are handling your cards
• use ATMs located in public areas or inside a bank or business
• avoid using card readers with an irregular or unusual feature
• cover the keypad with one hand when entering your PIN
• check for any unauthorized transactions on your account statements

Cybercrime occurs. Perpetrators may compromise public Wi-Fi networks to steal credit card or personal information.

• Avoid using public Wi-Fi networks
• Avoid making purchases on unsecured websites
• Use judgment when posting information on social media
• Be especially careful if you are meeting people you have met online
• Never click a suspicious link in an email or text message asking for your credit card details

Useful links

• More about overseas fraud
• Cybercrime - National Crime Agency

Demonstrations

Demonstrations take place regularly. Even peaceful demonstrations can turn violent at any time. They can also lead to disruptions to traffic and public transportation.

• Avoid areas where demonstrations and large gatherings are taking place
• Follow the instructions of local authorities
• Monitor local media for information on ongoing demonstrations

Strikes and pressure tactics occur from time to time, in key sectors such as transport. These strikes can sometimes complicate travel and disrupt public services.

• Consult local media to be aware of strikes that may affect your stay or travel plans
• In the event of a transport strike, plan extra time to get to your destination

Northern Ireland

Inter-communal tensions can arise from April to August during the summer marching season. This is particularly common during the weeks leading up to July 12.  

During the summer marching season:

• expect possible delays and disruptions in some areas
• exercise caution
• follow the advice of local authorities

Mass gatherings (large-scale events)

Adventure tourism

Outdoor activities, such as hiking and biking, may lead to safety concerns if they are not well-organized. Weather conditions can change rapidly, even in summer.

Avalanches can occur in Scotland, especially in the Cairngorms area between December and April. Check local avalanche forecasts before you go.

If you intend to go walking, biking or hiking in remote areas:

• never do so alone and do not part with your hiking companions
• obtain detailed information on your activity and on the environment in which you will be doing it before setting out
• buy travel insurance that includes helicopter rescue and medical evacuation
• ensure that your physical condition is good enough to meet the challenges of your activity
• avoid venturing off marked trails
• ensure that you’re adequately equipped
• stay informed about weather and other conditions that may pose a hazard
• inform a family member or friend of your itinerary
• Weather conditions - Met Office
• Avalanche Forecasts - Scottish Avalanche Information Service

Road safety

Vehicles drive on the left.

Pedestrians should use caution when crossing streets and be mindful that traffic comes from the opposite direction than it does in Canada. There are many one-way streets in London and other cities. Always confirm the direction of traffic before you cross the street.

Road conditions

Roads are excellent but are often narrow and congested, especially in urban areas. Use caution when entering a traffic circle (roundabout). Rural roads may become hazardous during severe weather conditions. You should be especially careful when driving in the countryside during periods bad weather or freezing temperature. You should always slow down before approaching turns on narrow roads as curves may hide oncoming traffic.

Public transportation

Public transportation is extensive. Train and bus services connect most cities and areas of the country.

Taxis are widely available. Only use officially licensed and marked taxis or private hire vehicles.

• Getting around Britain - Visit Britain
• Train schedules and service alerts - National Rail
• Taxis and minicabs – Transport for London

We do not make assessments on the compliance of foreign domestic airlines with international safety standards.

Information about foreign domestic airlines

Every country or territory decides who can enter or exit through its borders. The Government of Canada cannot intervene on your behalf if you do not meet your destination’s entry or exit requirements.

We have obtained the information on this page from the British authorities. It can, however, change at any time.

Verify this information with the  Foreign Representatives in Canada .

electronic_travel_authorisation_(eta)

Electronic Travel Authorisation (ETA)

The United Kingdom has started to unroll a new Electronic Travel Authorisation (ETA) program. Canadians are not currently able to apply for an ETA.

Once the program goes into effect, you will need to apply for your ETA before you travel to or transit through the UK. You must travel on the passport used for your ETA application.

Apply for an electronic travel authorisation (ETA) – UK Visas and Immigration

Entry requirements vary depending on the type of passport you use for travel.

Before you travel, check with your transportation company about passport requirements. Its rules on passport validity may be more stringent than the country’s entry rules.

Regular Canadian passport

Your passport must be valid for at least the expected duration of your stay in the United Kingdom. This requirement may also apply when travelling to Northern Ireland from other parts of the United Kingdom, and vice versa.

Passport for official travel

Different entry rules may apply.

Official travel

Passport with “X” gender identifier

While the Government of Canada issues passports with an “X” gender identifier, it cannot guarantee your entry or transit through other countries. You might face entry restrictions in countries that do not recognize the “X” gender identifier. Before you leave, check with the closest foreign representative for your destination.

Other travel documents

Different entry rules may apply when travelling with a temporary passport or an emergency travel document. Before you leave, check with the closest foreign representative for your destination.

• Foreign Representatives in Canada
• Canadian passports

Tourist visa: not required for stays of up to 6 months Business visa or work permit: required Student visa: required

You may need a work permit or visa even if you plan to do:

• unpaid work
• volunteer work
• part-time work
• temporary work

A marriage visitor visa is also required if you plan to get married or register a civil partnership in the United Kingdom.

You must apply online for your visa before you travel to the UK. The High Commission of Canada in the United Kingdom, in London, cannot assist you in your visa application process. Useful links

• Check if you need a UK visa  - UK Government
• UK Visas and Immigration  - UK Government
• Pay for UK healthcare as part of your immigration application  - UK Government

Other entry requirements

UK Border officials may ask you to show them a return or onward ticket and proof that you have sufficient funds to support yourself for the duration of your stay.

If you are unable to do so, or if you seek entry as a visitor but are found with items indicating that you intend to seek any type of employment (such as curriculum vitae or educational certificates), you may be denied entry and expelled from the country.

Similarly, if you seek entry as a visitor and are suspected of planning to reside in the UK for any reason, including having a UK-based partner, you may be denied entry.

If you have previously been refused entry, contact the British High Commission in Ottawa to enquire about entry clearance before making plans to visit the UK, even if a visa is normally not required.

Transiting through a United Kingdom airport

If you plan to transit through a United Kingdom airport, make sure you comply with the entry requirements of your final destination. If you don’t meet the entry requirements of your final destination, you may be denied boarding or forced to wait in the UK to apply for a new passport, which can take several days.

Unplanned layovers could lead to substantial travel costs and delays. You should not depend on the Government of Canada for assistance related to changes to your travel plans.

Children and travel

Learn more about travelling with children .

Yellow fever

Learn about potential entry requirements related to yellow fever (vaccines section).

Relevant Travel Health Notices

• Global Measles Notice - 13 March, 2024
• COVID-19 and International Travel - 13 March, 2024

This section contains information on possible health risks and restrictions regularly found or ongoing in the destination. Follow this advice to lower your risk of becoming ill while travelling. Not all risks are listed below.

Consult a health care professional or visit a travel health clinic preferably 6 weeks before you travel to get personalized health advice and recommendations.

Routine vaccines

Be sure that your  routine vaccinations , as per your province or territory , are up-to-date before travelling, regardless of your destination.

Some of these vaccinations include measles-mumps-rubella (MMR), diphtheria, tetanus, pertussis, polio, varicella (chickenpox), influenza and others.

Pre-travel vaccines and medications

You may be at risk for preventable diseases while travelling in this destination. Talk to a travel health professional about which medications or vaccines may be right for you, based on your destination and itinerary. 

Yellow fever is a disease caused by a flavivirus from the bite of an infected mosquito.

Travellers get vaccinated either because it is required to enter a country or because it is recommended for their protection.

• There is no risk of yellow fever in this country.

Country Entry Requirement*

• Proof of vaccination is not required to enter this country.

Recommendation

• Vaccination is not recommended.

* It is important to note that country entry requirements may not reflect your risk of yellow fever at your destination. It is recommended that you contact the nearest diplomatic or consular office of the destination(s) you will be visiting to verify any additional entry requirements.

About Yellow Fever

Yellow Fever Vaccination Centres in Canada

Measles is a highly contagious viral disease. It can spread quickly from person to person by direct contact and through droplets in the air.

Anyone who is not protected against measles is at risk of being infected with it when travelling internationally.

Regardless of where you are going, talk to a health care professional before travelling to make sure you are fully protected against measles.

  Hepatitis B is a risk in every destination. It is a viral liver disease that is easily transmitted from one person to another through exposure to blood and body fluids containing the hepatitis B virus.  Travellers who may be exposed to blood or other bodily fluids (e.g., through sexual contact, medical treatment, sharing needles, tattooing, acupuncture or occupational exposure) are at higher risk of getting hepatitis B.

Hepatitis B vaccination is recommended for all travellers. Prevent hepatitis B infection by practicing safe sex, only using new and sterile drug equipment, and only getting tattoos and piercings in settings that follow public health regulations and standards.

Coronavirus disease (COVID-19) is an infectious viral disease. It can spread from person to person by direct contact and through droplets in the air.

It is recommended that all eligible travellers complete a COVID-19 vaccine series along with any additional recommended doses in Canada before travelling. Evidence shows that vaccines are very effective at preventing severe illness, hospitalization and death from COVID-19. While vaccination provides better protection against serious illness, you may still be at risk of infection from the virus that causes COVID-19. Anyone who has not completed a vaccine series is at increased risk of being infected with the virus that causes COVID-19 and is at greater risk for severe disease when travelling internationally.

Before travelling, verify your destination’s COVID-19 vaccination entry/exit requirements. Regardless of where you are going, talk to a health care professional before travelling to make sure you are adequately protected against COVID-19.

 The best way to protect yourself from seasonal influenza (flu) is to get vaccinated every year. Get the flu shot at least 2 weeks before travelling.  

 The flu occurs worldwide. 

•  In the Northern Hemisphere, the flu season usually runs from November to   April.
•  In the Southern Hemisphere, the flu season usually runs between April and   October.
•  In the tropics, there is flu activity year round. 

The flu vaccine available in one hemisphere may only offer partial protection against the flu in the other hemisphere.

The flu virus spreads from person to person when they cough or sneeze or by touching objects and surfaces that have been contaminated with the virus. Clean your hands often and wear a mask if you have a fever or respiratory symptoms.

In this destination, rabies  may be present in some wildlife species, including bats. Rabies is a deadly disease that spreads to humans primarily through bites or scratches from an infected animal. 

If you are bitten or scratched by an animal while travelling, immediately wash the wound with soap and clean water and see a health care professional. 

Before travel, discuss rabies vaccination with a health care professional. It may be recommended for travellers who will be working directly with wildlife. 

Polio (poliomyelitis) is an infectious disease that can be prevented by vaccination. It is caused by poliovirus type 1, 2 or 3. Circulating vaccine-derived poliovirus 2 (cVDPV2) is present in this country. Polio is spread from person to person and through contaminated food and water. Infection with the polio virus can cause paralysis and death in individuals of any age who are not immune.

Recommendations:

• Be sure that your polio vaccinations are up to date before travelling. Polio is part of the routine vaccine schedule for children in Canada.
• One booster dose of the polio vaccine is recommended as an adult .

Tick-borne encephalitis (TBE) is a risk in some areas of this destination. It is a viral disease that affects the central nervous system (brain and spinal cord). It is spread to humans by the bite of infected ticks or occasionally when unpasteurized milk products are consumed.

Travellers to areas where TBE is found may be at higher risk  during April to November, and the risk is highest for people who hike or camp in forested areas.

Protect yourself from tick bites . The vaccine is not available in Canada. It may be available in the destination you are travelling to.

Safe food and water precautions

Many illnesses can be caused by eating food or drinking beverages contaminated by bacteria, parasites, toxins, or viruses, or by swimming or bathing in contaminated water.

• Learn more about food and water precautions to take to avoid getting sick by visiting our eat and drink safely abroad page. Remember: Boil it, cook it, peel it, or leave it!
• Avoid getting water into your eyes, mouth or nose when swimming or participating in activities in freshwater (streams, canals, lakes), particularly after flooding or heavy rain. Water may look clean but could still be polluted or contaminated.
• Avoid inhaling or swallowing water while bathing, showering, or swimming in pools or hot tubs. 

Insect bite prevention

Many diseases are spread by the bites of infected insects such as mosquitoes, ticks, fleas or flies. When travelling to areas where infected insects may be present:

• Use insect repellent (bug spray) on exposed skin
• Cover up with light-coloured, loose clothes made of tightly woven materials such as nylon or polyester
• Minimize exposure to insects
• Use mosquito netting when sleeping outdoors or in buildings that are not fully enclosed

To learn more about how you can reduce your risk of infection and disease caused by bites, both at home and abroad, visit our insect bite prevention page.

Find out what types of insects are present where you’re travelling, when they’re most active, and the symptoms of the diseases they spread.

Animal precautions

Some infections, such as rabies and influenza, can be shared between humans and animals. Certain types of activities may increase your chance of contact with animals, such as travelling in rural or forested areas, camping, hiking, and visiting wet markets (places where live animals are slaughtered and sold) or caves.

Travellers are cautioned to avoid contact with animals, including dogs, livestock (pigs, cows), monkeys, snakes, rodents, birds, and bats, and to avoid eating undercooked wild game.

Closely supervise children, as they are more likely to come in contact with animals.

Human cases of avian influenza have been reported in this destination. Avian influenza   is a viral infection that can spread quickly and easily among birds and in rare cases it can infect mammals, including people. The risk is low for most travellers.

Avoid contact with birds, including wild, farm, and backyard birds (alive or dead) and surfaces that may have bird droppings on them. Ensure all poultry dishes, including eggs and wild game, are properly cooked.

Travellers with a higher risk of exposure include those: 

• visiting live bird/animal markets or poultry farms
• working with poultry (such as chickens, turkeys, domestic ducks)
• hunting, de-feathering, field dressing and butchering wild birds and wild mammals
• working with wild birds for activities such as research, conservation, or rehabilitation
• working with wild mammals, especially those that eat wild birds (e.g., foxes)

All eligible people are encouraged to get the seasonal influenza shot, which will protect them against human influenza viruses. While the seasonal influenza shot does not prevent infection with avian influenza, it can reduce the chance of getting sick with human and avian influenza viruses at the same time.

Person-to-person infections

Stay home if you’re sick and practise proper cough and sneeze etiquette , which includes coughing or sneezing into a tissue or the bend of your arm, not your hand. Reduce your risk of colds, the flu and other illnesses by:

•   washing your hands often
• avoiding or limiting the amount of time spent in closed spaces, crowded places, or at large-scale events (concerts, sporting events, rallies)
• avoiding close physical contact with people who may be showing symptoms of illness 

Sexually transmitted infections (STIs) , HIV , and mpox are spread through blood and bodily fluids; use condoms, practise safe sex, and limit your number of sexual partners. Check with your local public health authority pre-travel to determine your eligibility for mpox vaccine.  

Medical services and facilities

Health care is excellent. Service is available throughout the country.

You must pay for medical services provided by the National Health Service (NHS) unless:

• you are ordinarily a resident of the United Kingdom
• you are accessing emergency services exempted from fees

Make sure you get travel insurance that includes coverage for medical evacuation and hospital stays.

• Accessing NHS services as a visitor - National Health Service (NHS)
• Travel health and safety

Keep in Mind...

The decision to travel is the sole responsibility of the traveller. The traveller is also responsible for his or her own personal safety.

Be prepared. Do not expect medical services to be the same as in Canada. Pack a   travel health kit , especially if you will be travelling away from major city centres.

You must abide by local laws.

Learn about what you should do and how we can help if you are arrested or detained abroad .

Transfer to a Canadian prison

Canada and the United Kingdom are signatories to the Convention on the Transfer of Sentenced Persons. This enables a Canadian imprisoned in the United Kingdom to request a transfer to a Canadian prison to complete a sentence. The transfer requires the agreement of both Canadian and the United Kingdom authorities.

This process can take a long time, and there is no guarantee that the transfer will be approved by either or both sides.

Penalties for possession, use or trafficking of illegal drugs, including cannabis, are severe. Convicted offenders can expect prison sentences and heavy fines.

Drugs, alcohol and travel

Laws on knives

It is illegal to carry, purchase, sell or enter the country with certain types of knives. Convicted offenders can expect heavy fines and jail sentences.

Selling, buying and carrying knives - UK Government

Dual citizenship

Dual citizenship is legally recognized in the United Kingdom.

If you are a Canadian citizen, but also a citizen of the United Kingdom, our ability to offer you consular services may be limited while you're there. You may also be subject to different entry/exit requirements .

Travellers with dual citizenship

International Child Abduction

The Hague Convention on the Civil Aspects of International Child Abduction is an international treaty. It can help parents with the return of children who have been removed to or retained in certain countries in violation of custody rights. The convention applies between Canada and the United Kingdom.

If your child was wrongfully taken to, or is being held in the United Kingdom, and if the applicable conditions are met, you may apply for the return of your child to the British court.

If you are in this situation:

• act as quickly as you can
• contact the Central Authority for your province or territory of residence for information on starting an application under The Hague Convention
• consult a lawyer in Canada and in the United Kingdom to explore all the legal options for the return of your child
• report the situation to the nearest Canadian government office abroad or to the Vulnerable Children’s Consular Unit at Global Affairs Canada by calling the Emergency Watch and Response Centre

If your child was removed from a country other than Canada, consult a lawyer to determine if The Hague Convention applies.

Be aware that Canadian consular officials cannot interfere in private legal matters or in another country’s judicial affairs.

• List of Canadian Central Authorities for the Hague Convention
• International Child Abduction: A Guidebook for Left-Behind Parents
• Travelling with children
• The Hague Convention - Hague Conference on Private International Law
• Canadian embassies and consulates by destination
• Emergency Watch and Response Centre

Traffic drives on the left.

Parking in London and other major city centres is limited and expensive.

Driver's licence

You can drive with a valid Canadian licence for up to 12 months from your date of entry.

Car rental companies may require an international driving permit, especially if your licence is not in English. Check with your car rental agency in advance.

Congestion Charge

If you drive into central London, you will be required to pay a daily congestion charge. The Congestion Charge zone is indicated by a large “C” painted on the roads and by signs.

You can pay the fee by phone, online or at selected shops and gas stations.

Ultra Low Emission Zone (ULEZ)

All boroughs in London are part of the Ultra Low Emission Zone (ULEZ). If you drive in London, your vehicle must meet the ULEZ emission standards. If it does not, you must pay a daily charge to drive within the ULEZ.

• More about the International Driving Permit
• Congestion Charge  - Transport for London
• Ultra Low Emission Zone – Transport for London

The currency of the United Kingdom is the pound sterling (GBP).

If you are carrying £10,000 or more, or the equivalent in other currencies, you must make a declaration to customs when you enter or leave the United Kingdom.

It includes sums in:

• banknotes and coins
• bearer bonds
• travellers’ cheques
• cheques that are signed but not made out to a person or organization
• money orders (Northern Ireland only)
• gold coins, bullion or nuggets (Northern Ireland only)
• prepaid cards (Northern Ireland only)

Take cash in and out of the UK - Government of the United Kingdom

Climate change

Climate change is affecting the United Kingdom. Extreme and unusual weather events are becoming more frequent and may affect your travel plans. Monitor local news to stay informed on the current situation.

Severe weather

The United Kingdom is subject to severe storms that can cause death and injury and severely damage commercial, residential and natural areas.

High winds, fog, and snow can also have widespread impacts, including transportation disruptions.

• Keep informed of regional weather forecasts
• Stay away from disaster-affected areas
• Follow the instructions of local authorities, including evacuation orders

Storm forecast  - Met Office

Flooding and landslides

Heavy rains can cause severe flooding, mudslides and landslides, particularly in certain coastal and riverside areas. Roads may become impassable and infrastructure damaged.

• Exercise caution, particularly in coastal areas and around major rivers
• Stay informed of the latest regional weather forecasts
• Follow the advice of local authorities, including evacuation orders
• Flooding risks in England  - UK Government
• Flood forecasting  - Scottish Environment Protection Agency

Heat waves are becoming more common in the United Kingdom, and most houses and public places are not designed or equipped to provide shelter from high heat.

High temperatures can be dangerous. Know the symptoms of dehydration and heatstroke, which can both be fatal.

If you are in the United Kingdom during a summer heat wave:

• stay indoors or in the shade during midday hours
• stay hydrated and carry a sufficient water supply
• monitor local media for information on heat warnings

Local services

Dial 999 for emergency assistance.

Consular assistance

The Falkland Islands and Gibraltar

For emergency consular assistance, call the High Commission of Canada in the United Kingdom, in London, and follow the instructions. At any time, you may also contact the Emergency Watch and Response Centre in Ottawa.

The decision to travel is your choice and you are responsible for your personal safety abroad. We take the safety and security of Canadians abroad very seriously and provide credible and timely information in our Travel Advice to enable you to make well-informed decisions regarding your travel abroad.

The content on this page is provided for information only. While we make every effort to give you correct information, it is provided on an "as is" basis without warranty of any kind, expressed or implied. The Government of Canada does not assume responsibility and will not be liable for any damages in connection to the information provided.

If you need consular assistance while abroad, we will make every effort to help you. However, there may be constraints that will limit the ability of the Government of Canada to provide services.

Learn more about consular services .

Risk Levels

  take normal security precautions.

Take similar precautions to those you would take in Canada.

  Exercise a high degree of caution

There are certain safety and security concerns or the situation could change quickly. Be very cautious at all times, monitor local media and follow the instructions of local authorities.

IMPORTANT: The two levels below are official Government of Canada Travel Advisories and are issued when the safety and security of Canadians travelling or living in the country or region may be at risk.

  Avoid non-essential travel

Your safety and security could be at risk. You should think about your need to travel to this country, territory or region based on family or business requirements, knowledge of or familiarity with the region, and other factors. If you are already there, think about whether you really need to be there. If you do not need to be there, you should think about leaving.

  Avoid all travel

You should not travel to this country, territory or region. Your personal safety and security are at great risk. If you are already there, you should think about leaving if it is safe to do so.

HelloSafe » Travel Insurance » UK

Travel Insurance UK: Complete Guide (2024)

verified information

Information verified by   Alexandre Desoutter

Our articles are written by experts in their fields (finance, trading, insurance etc.) whose signatures you will see at the beginning and at the end of each article. They are also systematically reviewed and corrected before each publication, and updated regularly.

Travelling between the UK and Canada presents great opportunities, but it also means careful consideration of getting a good travel insurance UK plan, for the cost of healthcare may be extremely high.

But how does it work? What are the types of coverage you can get? What are the best travel insurance UK plans? We've got you covered.

This guide will walk you through every aspect of travel insurance UK plans, including coverage, costs, pros, cons, and more. You can use our comparator to compare plans and get free quotes so you can pick a policy that suits your unique needs the best.

Travel Insurance UK: 5 Key Takeaways

• Travel insurance UK is not a legal requirement, but highly recommended for Canadians travelling to the UK.
• There are different types of insurances available: single-trip, multi-trip and annual travel insurance.
• The cost of travel insurance varies based on policy, age, health condition, length of trip and activities you plan to do.
• Some leading providers are World Nomads, Allianz, Manulife, Tugo, AIG and Blue Cross travel insurance.
• Compare plans and get free quotes using the HelloSafe comparator.

What is travel insurance UK?

Travel insurance Canada to UK is not a legal requirement for Canadian citizens travelling to the UK, but it is highly recommended. This is because Canada does not have a reciprocal health agreement with the UK, so you will not be eligible for free healthcare if you fall ill or are injured while in the country.

Medical costs in the UK can be very high without insurance, so travel insurance for visitors to UK is therefore critical and can help to protect you from heavy financial burden. But what about travel insurance UK to Canada? Well, the same applies. If you're travelling from the UK to Canada, getting a private health and dental insurance plan is essential because Canadian provincial healthcare does not cover visitors.

What should you look for in a travel insurance UK policy?

When choosing travel insurance for a trip from Canada to the UK (or from the UK to Canada), it’s important to make sure that the policy covers all of your needs. Some of the things to look for when buying a worldwide travel insurance UK plan:

• Medical coverage: This should include coverage for both emergency and non-emergency medical expenses, as well as repatriation costs if you need to be flown home for further treatment.
• Cancellation cover : This will reimburse you if you have to cancel or shorten your trip for any reason, such as illness, bad weather, or a strike.
• Baggage loss and delay cover: This will cover the cost of replacing lost or delayed luggage.
• Personal liability cover: This will protect you if you are sued for accidental injury or damage to property.

You should also make sure that the policy is valid for the length of your stay in the UK (or in Canada if you’re travelling the other way).

The cost of travel insurance for a trip to the UK will vary depending on the length of your stay, the level of coverage you choose and your age and health. It's best to compare multiple options before buying a policy. All you need to do is use our comparator tool below and get free personalised quotes from the best travel insurance providers.

comparatorTitles.name

What are the different types of travel insurance UK for Canadians?

There are three types of coverage options that you can choose from. These are single-trip coverage, multi-trip coverage and annual-trip coverage. Here's a quick overview of these three options:

Single-trip travel insurance UK

Single-Trip Travel Insurance for Canadians travelling to the UK is designed for travellers who are embarking on a specific journey, whether it's a short vacation or a longer stay in the UK. This type of insurance provides coverage for the duration of that particular trip.

Multi-trip travel insurance UK

Multi-trip travel insurance, also known as annual travel insurance, provides coverage for multiple trips within a year. It's ideal for frequent travellers who plan to make multiple visits to the UK or other destinations. It's also an economical option as compared to getting insurance every time you travel.

Annual travel insurance UK

Annual travel insurance, sometimes referred to as year-round travel insurance, is a broader term that covers travel to various destinations over a year, including trips within Canada. It's suitable for travellers who want continuous coverage for all their travel needs. For Canadians travelling to the UK, this insurance can offer the same coverage as single-trip and multi-trip policies, but with the added benefit of covering travel within Canada as well.

Expert advice

When choosing the right travel insurance option for your trip to the UK, consider your travel frequency, trip duration and the activities you'll be participating in. Always carefully read the policy documents, understand the coverage limits and exclusions and compare options to find the one that best suits your needs and budget. Also, the rules may change based on your source country. For instance, travel insurance India to UK may not be the same as flying in from Canada.

Here is a table of the common coverages for travel insurance UK for Canadians:

These are the coverage options that are generally covered by most travel insurance policies. Exclusions, such as pre-existing conditions, can be added to your policy on request, but you'll have to pay for them accordingly.

What are the best travel insurance UK plans for Canadians?

When choosing UK travel insurance for Canadians, it’s important to consider the following factors the length of your stay in the UK, the level of coverage you need, your age and health, your budget and the activities you plan to do while in the UK.

Here are some options for the best UK travel insurance:

• World Nomads travel insurance
• Allianz travel insurance
• Manulife travel insurance
• Tugo travel insurance
• AIG travel insurance
• Blue Cross travel insurance

World Nomads

World Nomads is a prominent travel insurance provider renowned for extending its services to both annual and single-trip coverages, catering to the needs of travellers, including those from Canada. The company excels in furnishing insurance solutions tailored to individuals engrossed in daring or prolonged journeys, encompassing backpackers, digital nomads, and enthusiasts of diverse outdoor pursuits.

Tailored to thrill-seekers, World Nomads offers the Standard and Explorer plans, which prove ideal for those pursuing exhilarating escapades like mountain biking, skydiving, and heli-skiing. Here are its pros and cons:

• Offers coverage for scuba diving, rock climbing and skydiving
• Up to $500,000 in coverage for emergency medical evacuation
• Round-the-clock travel assistance hotline, ensuring immediate support regardless of the hour
• Coverage encompassing theft or loss of sports equipment, an aspect encompassed in both plan options
• No "Cancel for any reason" option
• No coverage for those aged 65+
• Lower trip cancellation/interruption maximums

Allianz Global Assistance

Allianz Travel Insurance is a well-established insurance company that offers a range of travel insurance plans, including coverage for medical expenses, trip cancellations, baggage loss and more. This insurer also offers a range of Allianz travel insurance UK policies, including a policy that covers pre-existing medical conditions.

While Allianz offers comprehensive coverage with great features, it has some exclusions and restrictions you be aware of. Read your policy carefully to make sure that it covers things you need coverage for. Here are its main pros and cons to give you a better understanding of Allianz's travel insurance policies:

• You get free coverage for dependent children — must be less than 17 years
• Offers extensive coverage options for long trips
• You may find lower coverage limits compared to other providers
• The policy doesn’t cover adventure and extreme sports activities

Manulife Travel Insurance

Manulife travel insurance offers flexible plans that cater to different types of travellers. They have options for single trips, multi-trip coverage and coverage for seniors. What's more? There's a collaboration between Costco and Manulife which brings forth Costco-Manulife travel insurance, presenting a fusion of their strengths. Notably, this partnership extends enticing discounts tailored for Costco members.

For Executive members, an opportunity to curtail expenses arises, with potential savings of up to 5% on a wide array of insurance plan premiums. Adding to the benefits, as a Costco member, you gain access to an exclusive Flight & Travel Accidental Death and Dismemberment benefit courtesy of the Manulife Covid-19 Pandemic Travel Plan.

Within this framework, Executive Members receive substantial coverage of $25,000 CAD, while Gold Star and Business Members are entitled to coverage amounting to $10,000 CAD, showcasing the advantages aligned with different Costco membership tiers. Here are its pros and cons:

• Offers coverage for single and multiple trips
• You can get up to $10 million in emergency medical benefits
• There’s a medical questionnaire for people more than 60 years
• Failing to call before treatment will cost you 20% of the expense

TuGo Travel Insurance

TuGo travel insurance is a Canadian company that specializes in travel coverage. They offer various plans, including coverage for emergency medical expenses, trip interruption and more.

TuGo's one notable highlight is its extensive emergency medical coverage, extending up to $10 million. Additionally, TuGo distinguishes itself by providing the option to enhance coverage with the Cancel for Any Reason (CFAR) upgrade. TuGo stands out by accommodating adventurous sports enthusiasts through an optional rider.

Tailored to the preferences of snowbirds and frequent young travellers with a penchant for thrilling activities, TuGo proves to be an optimal choice. Here are its pros and cons:

• Offer comprehensive coverage, which includes emergency medical coverage
• There are multi-trip plans for frequent travellers
• Has ease of purchase
• Some travellers find the premiums to be high compared to others
• The policy doesn’t cover pre-existing conditions
• Has an age limit of 59 for its all-inclusive package

Travel Guard by AIG

AIG Travel Guard offers travel insurance plans with varying levels of coverage. They provide medical expense coverage, trip cancellation/interruption coverage and more. Here is a quick overview of its plans:

• All-Inclusive Package: This comprehensive coverage is a prime choice, offering a substantial minimum of $2 million CDN for emergency medical expenses. It encompasses various aspects including trip cancellation, interruption, delay, emergency evacuation, and luggage coverage. Ideal for those seeking all-encompassing protection for their travels.
• Trip Cancellation & Interruption Package: Crafted to safeguard your investments, this package covers pre-paid expenses, aids in rearranging travel arrangements, and facilitates recovery from lost, damaged, or stolen luggage. Particularly suitable for individuals who are concerned about potential disruptions to their travel plans.
• Emergency Medical Travel Insurance: This package addresses the core concern of unexpected medical emergencies during your journeys. Tailored for those who prioritize their health and well-being while venturing abroad.
• Annual All-Inclusive Package: Geared towards frequent travellers embarking on a minimum of 3 trips annually, this plan ensures peace of mind. It extends coverage for emergency medical situations, trip cancellation, interruption, delay, and incidents of baggage loss or delay. This package brings together flexibility and convenience for your travel needs.
• AIG offers multiple coverage options, including security evacuation coverage and last-minute coverage
• You also get coverage for adventure travel and your pets
• The price may be higher than the average
• Some people find it hard to navigate the website and find the relevant information

Blue Cross Travel Insurance

Blue Cross Canada offers travel insurance plans that cover medical expenses, trip cancellations and other travel-related issues. To be eligible for insurance coverage through Blue Cross, you need to satisfy the following requirements:

• You must be a Canadian resident with coverage under a government health insurance plan.
• Your age must be a minimum of 30 days old as of the departure date of your trip.

Additionally, for travellers aged 55 and above, the subsequent conditions are essential:

• You must not have received medical advice against travel.
• You should not be undergoing medical treatment for a terminal-stage condition.
• You should not be undergoing dialysis treatment for kidney failure.
• A diagnosis of metastatic cancer or treatment for it within the last five years should not be present.
• You must not have been prescribed or treated with home oxygen within the past 12 months.

Here are its major pros and cons:

• Offers comprehensive coverage for medical emergencies during travel, including trip cancellation
• You get access to a broad network of healthcare providers
• There are high deductibles on certain policies and the insurance cost may be higher for elders

Good to know

Medical travel insurance, including medical travel insurance for the UK, is a basic necessity. Travel health insurance UK is covered by all the policies offered by the above travel insurance providers.

Before you decide upon a travel insurance UK compare multiple options. All you need to do is use our comparator below and get free personalized quotes from the best travel insurance providers, and in just a few moments.

Compare the best travel insurance plans on the market!

How much does Travel insurance UK cost?

The cost of travel insurance for the UK from Canada will vary depending on the specific policy you choose, your age and health, the length of your trip and the activities you plan to do. It is always a good idea to get quotes from a few different insurers before you buy a policy. Use our HelloSafe comparator above to get free quotes in seconds.

Here is how the above factors can affect the cost of travel insurance:

• Your age: Younger travellers typically pay lower premiums than older travellers.
• Your health: If you have any pre-existing medical conditions, you may need to pay a higher premium.
• The length of your trip: The longer your trip, the higher the premium.
• The activities you plan to do: If you plan to participate in any high-risk activities, such as skiing or scuba diving, you will need to pay a higher premium.

Here is a table of the estimated costs for single and multi-trip travel insurance for each of the insurers we discussed above:

How to get cheap travel insurance UK from Canada?

Here are some tips on how to get cheap travel insurance and medical travel insurance UK from Canada:

• Compare quotes from different insurers: There are many different travel insurance providers, so it is important to compare quotes from a few different companies to get the best deal. You can compare quotes online or by calling different insurers.
• Buy your insurance early: The earlier you buy your insurance, the more likely you are to get a good deal. This is because insurers typically offer discounts for early purchase.
• Consider a multi-trip policy: If you are planning on travelling multiple times in the next year, a multi-trip policy can save you money.
• Opt for a lower level of coverage : If you are healthy and do not plan on participating in any high-risk activities, you can save money by opting for a lower level of coverage.
• Look for discounts: Many insurers offer discounts for things like being a student, being a member of a professional organization, or being a frequent flyer.
• Read the fine print : Before you buy any travel insurance policy, be sure to read the fine print carefully to make sure you understand what is covered and what is not.

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UK Travel Health Insurance

If you’re planning on visiting the UK, you are advised to take out travel health insurance in order to cover potential healthcare costs during your stay.

For more information about your visit to the UK, don’t hesitate to get in touch with one of our trusted legal advisors today on  0333 305 9375 , or contact us  online .

Who Needs Travel Health Insurance When Visiting the UK?

If you’re planning to visit the UK from a country outside the European Economic Area (EEA) for less than 6 months, it is recommended that you take out valid travel insurance cover for the whole duration of your stay to help pay for medical care.

If you’re visiting from the EEA, you are entitled to free healthcare with a valid European Health Insurance Card (EHIC), Provisional Replacement Certificate (PRC) or S2 form.

However, it is also advised that you take out travel health insurance in case of other unexpected expenses and incidents that may occur during your visit, such as repatriation costs or lost or stolen property.

If you’re staying in the UK for more than 6 months, you will have to pay the  Immigration Health Surcharge (IHS)  unless exempt. You will normally have to pay the fee for the IHS when submitting your visa application for your stay.

Paying the IHS allows you to access NHS services. However, it may still be advisable to take out private health insurance on top of that for other services not covered by the IHS during your stay in the UK.

Why Should I Take Out Travel Health Insurance When Visiting the UK?

Travel insurance is an important part of any trip, especially if you end up requiring unexpected medical care during your stay.

If you are visiting the UK from a non-EEA country, you will be charged at 150% of the standard NHS rate if you have not arranged insurance. As a result, it’s essential that you purchase travel insurance with medical cover before travelling to the UK so you can reclaim any healthcare costs you are required to pay from your insurer.

Travel insurance is also important as your pre-existing health insurance policy may not cover you outside of your home country, or its international coverage may be limited.

In addition, there is also the possibility of falling ill unexpectedly, suffering accidents, illness, or needing medical care because of pre-existing conditions.

Travel health insurance may also help to cover costs if your travel or accommodation plans change unexpectedly or if you misplace important documents such as your passport or airline tickets. Many insurance policies will provide you with assistance with these matters as well as reimburse you if there will be any financial costs incurred.

What Should My Travel Health Insurance Cover?

Your travel health insurance to the UK should cover most of the following:

• Emergency medical expenses, including ambulance, medication and hospital fees
• Medical treatment for pre-existing medical conditions
• Personal injury  and accidents
• Repatriation costs
• Reimbursement for any unused travel and accommodation costs should your trip be cut short
• Cover for lost or damaged items, including luggage, passports, credit cards, money or airline documents
• Emergency legal aid and translation services
• Assistance in finding suitable medical facilities in the UK

It’s important to check that the travel insurance cover necessary travel and healthcare needs to make sure you can get the treatment and medical care abroad during the period of your visit.

Insurance is particularly important for those with pre-existing medical conditions. You must tell your insurance company about any pre-existing medical conditions you have to make sure you can get the cover you need. In some cases, you may have to take out specialist cover rather than standard cover for this.

It’s advised to speak to your doctor for advice before you travel and make plans for how to care for your condition when you are in the UK. You should also bring your health condition identification or a letter saying what medication you are taking.

What Isn’t Covered By Travel Health Insurance?

Travel health insurance policies often have exclusions, which are specific situations or circumstances that will not be covered by the insurance policy.

For example, not declaring your pre-existing medical condition to your insurer will mean that you won’t be able to claim for medical care related to your condition during your trip.

In addition, you likely won’t be able to claim back costs if you do any of the following:

• Travel against government advice, such as if the country you’re travelling from places an active travel warning on the UK
• Travel despite known events, such as natural disasters or pandemics
• Incur losses due to carelessness or lack of reasonable safety measures, such as leaving your belongings unattended in a public place
• Engage in reckless behaviour, such as ignoring safety protocols, safety instructions, or if you injured yourself under the influence of drugs or alcohol
• Break the law, such as violating local traffic laws

In addition to these, if you cancel or change your plans for any reason not listed in your base plan, you won’t be able to claim the costs on your insurance.

However, most insurance providers will provide an optional Cancel For Any Reason coverage to your policy that will allow you to change or cancel plans for any reason and claim back some or all of the money.

It’s essential that you familiarise yourself with the details of your insurance policy carefully before setting off on your trip to the UK. Many travel health insurance policies have strict guidelines on what they do and do not cover, so it’s important to know what these are in order to prevent unexpected costs during your trip.

What Else Should I Look For When Taking Out an Insurance Policy?

As previously mentioned, it’s essential that your insurance policy covers any essential travel and medical expenses that may be incurred during your visit to the UK, especially if you have a pre-existing medical condition.

In addition to this, you should also consider the following:

Who You’re Travelling With

If you’re travelling with other people, it may be cheaper and more convenient to get a single insurance policy that covers the whole party rather than individual policies for each person.

For example, many insurance providers offer travel health insurance for couples, families, or groups of friends.

Note that if a person in your party has a pre-existing medical condition, they may require their own individual specialist cover separate from the rest of the group due to differences in coverage plans.

You may find travel health insurance more expensive if you’re over the age of 65. As a result, you may have to look for specialist policies for older travellers to ensure that you have the coverage you need.

Sports or Recreational Activities

If you plan to take part in sports or recreational activities, you will need to ensure that your travel health insurance covers these. This is especially the case if they’re considered to be high-risk activities, such as surfing, BMX, scuba diving, or winter sports.

Method of Travel

It’s worth noting that some methods of travel such as cruises or budget airlines may be excluded from certain travel insurance policies. You should always make sure that your method of travel is covered by your policy, in case of unexpected delays, cancellations or complications.

Add-ons and Extensions

You may wish to purchase additional add-ons or extensions to your travel health policy. For example, if you’re bringing a lot of expensive gadgets or equipment with you to the UK, you may want to purchase extra gadget cover as part of your insurance policy.

Additionally, you may want to add on additional Cancel For Any Reason cover if you want greater freedom and flexibility in being able to change or cancel your travel plans for reasons not covered by your base policy.

Do I Need Single Trip Cover or Annual Multi-Trip Cover for my Trip?

You can buy either single trip cover or annual multi-trip cover before your departure.

Single trip cover only grants you insurance coverage for a single holiday. Your coverage can start either as soon as you book the holiday or the date of your departure, and will end as soon as you come home.

Meanwhile, annual multi-trip insurance grants you coverage for every single trip you take within a 12 month period. The trips you take during this time may be limited to a certain length of time – for example, 31 days.

It may be cheaper to get annual multi-trip cover if you’re planning to go on several trips in a 12 month period. However, if you’re not planning on making many other trips other than your single trip to the UK, it may be cheaper to stick to single trip cover.

If you’re unsure about how many trips you might take in the next 12 months, it may be cheaper and easier to take out an annual multi-trip policy so you know you are covered if you do decide to go abroad.

It’s always best to carefully examine your own circumstances and plans to see which specific type of cover will be more cost-effective and suitable for you.

When Should I Buy Travel Health Insurance?

It’s usually recommended to buy travel health insurance as soon as you’ve booked your trip, or as soon as you’ve made a financial commitment towards it.

This is because it’s best to be covered in the event of your trip being cancelled prior to your departure. Having a valid travel insurance policy will protect you in case any of the following happens:

• Your trip is cancelled due to weather, or other uncontrollable circumstances
• You have to cancel your trip due to personal reasons, such as a bereavement
• You become too ill to travel
• You’re made redundant before your trip

If any of these happen, it may be the case that your insurer could cover some or all of the costs of your trip.

If you’ve left it late to buy travel health insurance before your visit to the UK, it’s still worth looking for insurance providers who will be able to provide you with quick and immediate cover. You just need to ensure that you’ve not yet left home for your trip and that the insurance policy covers everything you need for your visit.

How Much Does Travel Health Insurance Cost?

How much you will have to pay for travel health insurance depends greatly on a number of factors, such as your age, your health, the length of your trip and the complexity of the cover you need.

The specific figures you’ll pay for your insurance will vary based on your country of residence and the insurance company you choose.

Note that the information below uses British travellers buying insurance for trips away from the UK as an example.

The difference between a single trip and annual multi-trip insurance can be reasonably small. For example, British travellers travelling to Europe may pay around £9 for single trip cover but around £12 for annual multi-trip cover.

The average price for older travellers is also much higher. The average price of a single trip cover for British adults travelling to Europe in their 30s, 40s or 50s maybe around £11. However, this figure jumps up to around £30 for people in their 70s, and over £100 for people in their 80s.

How comprehensive your insurance coverage is will also affect the price. A policy that offers higher levels of coverage will cost more than a policy with basic level coverage, as well as offering lower levels of excess.

For British travellers taking our multi-trip cover to Europe, a cover with £1,000 worth of cancellation cover will cost around $17. For £2,000 cancellation cover, this price rises to around £24. For £3,000, it rises again to around £32.

These prices also rise in a similar way when buying couples, group or family travel health insurance cover.

You will also have to pay additional costs on your insurance policy if you have a pre-existing medical condition or choose to add optional extra cover such as for gadgets, winter sports and Cancel For Any Reason coverage.

Which NHS Services Are Free for Visitors?

When you visit the UK, you will be able to take advantage of certain NHS services that you don’t have to claim for on your travel health insurance.

As a result, you will not need to claim on your insurance if you take advantage of these services during your visit. These include:

• A&E services (not including emergency medical treatment if admitted to hospital)
• Family planning services (not including abortions or infertility treatment)
• Treatment for most infectious diseases, including sexually transmitted infections (STIs)
• Treatment required for a physical or mental condition caused by torture, female genital mutilation (FGM), domestic violence or sexual violence (does not apply if you have come to the UK to seek this treatment)

In addition, if you’re visiting the UK and need to see a GP, you can register as a temporary patient with a local GP practice.

You will need to be in the area for more than 24 hours but less than 3 months in order to do this.

However, it will be up to the GP practice whether to accept new patients, even if you’re only looking to become a temporary patient.

Other NHS services, such as hospital treatments and prescription medicines, are not free without a valid EHIC, PRC or S2 form or if you’re from a non-EEA country. You should consider travel insurance packages that provide cover for such medical costs and others outside the NHS services.

For assistance with with your visit to the UK, contact us today.

How Can IAS Help?

If you’re planning to travel to the UK, it’s essential to ensure that you have the right coverage to help assist you in the event of accidents, injury or unexpected incidents.

If you have any questions about your trip to the UK, including what type of insurance you need, what type of healthcare you’re entitled to, or what to do in the event of an emergency, IAS is here to help.

We are specialists and immigration lawyers who specialise in advising visitors to the UK as well as assisting them to obtain the right permits and visas and travelling to the UK. We can help advise you on how to get the right insurance cover for your trip, as well as any other concerns you may have about your visit to the UK.

For more information, don’t hesitate to get in touch with one of our trusted legal advisors on  0333 305 9375 , or contact us through our form  online .

We can help you if you need help with your visit to the UK.

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• Travel insurance for Canada

Canada is a vast country of diverse delights – everything from bustling cities to snow-capped mountains, deep forests and crystal clear lakes. If you're thinking of experiencing them, it's time to consider your travel insurance.

The call of Canada

As the world’s second-largest country, it’s only right to expect Canada to be a land of diversity. This is cultural as well as geographical, with its rich mix of indigenous cultures and Scottish, French and English heritages. But its more famous residents are those who have less respect for national borders: grizzly bears, polar bears, wolves, beavers and moose all call Canada home.

It’s got vistas of forest, miles of tundra, glinting glaciers and some of the world’s most impressive mountains. But it also has some of the world’s most sophisticated cities, with fine food, high culture, vibrant nightlife and spectacular architecture.

Protect what matters when you go with good travel insurance

Healthcare for brits in canada.

Travel insurance is a necessary contingency for getting sick or injured in Canada. Unlike other Commonwealth countries such as Australia, there isn’t a reciprocal health agreement between Canada and the UK, so while healthcare is readily available, it could be very expensive.

The emergency services number is 911 or 0. It’s imperative that you have travel insurance and contact your provider as soon as you have covered the most urgent needs of your medical care. It is also advisable to have some extra funds available for any costs that you may need to pay up-front like taxis to and from the hospital. These can be claimed for on your travel insurance policy. Canada has walk-in clinics where you can go without an appointment if your condition isn’t serious enough to warrant a trip to hospital.

Travel risks in Canada

Crime in Canada is uncommon. However, it’s always important to take precautions against theft and danger, such as never leaving bags unattended, not walking alone at night in unfamiliar places and avoiding the use of drugs or becoming too drunk. Always make sure your travel documents are safe and well looked after .

Most of Canada’s travel risks are associated with its notorious weather. Whether its heaps of snow in the winter or wild fires in summer, Canada’s raw landscape makes it prone to some heavy weather. It’s always important to keep on top of local weather reports and plan ahead. If your onward journey involves travel through an area that could soon be affected by hurricanes or heavy snow, you might want to amend your travel plans.

Make sure you understand what the local laws are surrounding winter travel. In some areas, winter tyres are a legal requirement while in others, roads are closed during the winter due to being impassable. Unlike the UK, Canadian rail networks are equipped to deal with heavy snowfall and this shouldn’t affect your travel plans, however it’s always a good idea to check the schedule if there is a dump.

Canadian culture

Canada is famous as a liberal, accepting and multicultural place with progressive politics. It is a mistake to think that Canadian and American cultures are the same or even broadly similar, however there has been a significant amount of US influence on things like architecture. There is an emphasis on the importance of immigration in Canada, especially considering that much of its infrastructural, culinary and high culture comes from European sources.

While it’s impossible to make total generalisations, Canadians are thought of as kind, hospitable and friendly. Arts and culture are an important part of the Canadian lifestyle, with several enormous festivals across artistic disciplines including theatre, dance, art, literature and, of course, music. The great outdoors is readily accessible and something that the Canadians are proud of, in particular their national park system.

The currency of Canada is the Canadian dollar , so make sure you have enough notes for your trip or have loaded the currency onto a secure prepaid travel money card before you go to easily access your holiday cash while you're there.

Getting around

The Trans-Canada Highway stretches, as one might imagine, across Canada, covering some 4,860 miles and a fair few time zones. It largely sticks to a route that tracks the US border as this is where the majority of Canada’s biggest cities are located (though it does not intersect the border at any point), and is a great route for a road trip.

Long-distance bus travel is more popular than in other countries and if you don’t mind the length of time it can take to get between places is a cost-effective way of getting between major cities.

Air travel is the speediest way of covering long distances, however it is not as cheap as American domestic air travel and it can sometimes be cheaper to transit into the US and out again. However, if that’s something you’re planning on doing, it’s crucial to make sure you have the necessary visas.

A fascinating way to see the entire country is to take the Canadian – that is to say a passenger train that traverses Canada. It can also be a way of getting from two major cities and seeing some of Canada’s amazing scenery at the same time. Unfortunately, for many people, it is more expensive than flying. Visit the VIA Rail Canada website to find out if you qualify for any of their discount schemes.

Driving across the country, or between places you want to visit, offers the freedom of being able to stop and change your destination on a whim, as well as giving you views of the country. It’s very important to make sure you know what the weather is going to be (as accurately as possible) as becoming stuck somewhere remote, especially in winter, can rapidly become very serious. Take all the local safety advice, as laws and regulations change between provinces and territories.

You do not need an International Driving Permit to drive in Canada – a full, valid UK driver’s licence is enough.

An important hazard on roads, particular outside of cities, is wild animals wandering out in front of you. Always be cautious when driving at night and reduce your speed if you are in an area of wilderness.

Wherever you are driving, make sure to have checked the latest travel news for that area and make sure your car has the necessary safety precautions (for instance, snow tyres or two, rather than one, spare tyres).

Do I need travel insurance for Canada?

Travel insurance is essential if you want health cover in Canada. While the health system there is well-respected, the costs of being treated – even for non-life-threatening conditions – can quickly escalate. Make sure the policy you choose has the level of Covid-19 cover you need. You may be able to add additional coronavirus cover for an extra premium with some insurers.

A good-quality travel insurance policy should cover you for damage to, loss or theft of your belongings, like passports and luggage. It should also safeguard against and reimburse you for cancellation, delay to or cutting short your trip – check the policy wording for the circumstances when it will.

Regardless of when you’re going to Canada – whether to hit the slopes of Whistler or do some hiking in the summer greenery – make sure your travel insurance covers you for the activities you want to do and that you’ve bought any add-ons you might need, like ski insurance or cruise cover. Take your policy document with you so you can check your cover for any activities you want to do spontaneously.

Remember that travel insurance doesn’t cover car insurance on rental vehicles, so this is something you will need to arrange separately if you intend on renting a car. Make sure that whatever car insurance you get, it is as comprehensive as possible. Always make sure that you have good breakdown cover if this doesn’t come as part of a rental agreement or your car insurance.

Always check the latest travel advice

Before you travel, check the latest Foreign, Commonwealth and Development Office (FCDO) advice  for your destination, as travelling against this advice may invalidate your travel insurance.

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Travel Insurance for Canada 

Canada is the world’s second largest country and, as a result, it’s a place of great diversity. Home to vast mountains, craggy coastlines, awe-inspiring cities and beautiful fjords, it boasts striking natural landscapes and the best of modern life too.

Canada has a mixed culture and heritage which is best experienced in the cuisine of its major cities. You can sample a macaron in the distinctly French Montreal, wander around the Asian night markets in Vancouver or sample the best of everything in Toronto, which is regularly voted as the most cosmopolitan city in the world. Just make sure you travel with plenty of Canadian dollars so you can grab food as you go.

Away from the city, Canada gives holiday-makers the chance to reconnect with nature. Tourists flock to the Canadian Rockies, where snow-capped mountains draw Winter Sports and Ski enthusiasts every year. If you’re looking for something more laid back, you’ll have the opportunity to explore one of Canada’s 46 incredible national parks. 

Whatever you plan on doing, it's important that you get travel insurance for Canada to help protect yourself against any unforeseen eventualities.

Below is some more information about our products, for which Terms and Conditions apply. Please visit the policy information hub for full details.

What does our travel insurance for Canada cover? 

If you fall ill or get injured in Canada, travel insurance can help cover the cost of your care. Unlike many Commonwealth countries such as Australia, the UK and Canada don’t have a reciprocal health agreement, so although healthcare is still available for tourists, it can be incredibly expensive if you travel without insurance.

Similarly, if your journey is disrupted due to one of Canada’s infamous snowstorms, your travel insurance for Canada can help cover you if you are delayed because your airport is snowbound, or if you miss your flight. It can also provide you with cover if any of your personal possessions are lost, stolen or damaged.

At Allianz Assistance, we can provide you with a Single Trip , Annual or Backpacker travel insurance policy. We also offer three different levels of cover across our Single Trip and Annual policies: Bronze, Silver and Gold. They can protect you against: 

• Cancelling or curtailing your trip
• Emergency medical and associated expenses
• Loss of passport*
• Delayed personal possessions
• Lost, stolen or damaged personal possessions*
• Loss of personal money*
• Personal accident cover
• Missed departures
• Delayed departures
• Personal liability
• Legal expenses
• End-supplier failure**
• *Not available with Bronze level cover
• **Only available with Gold  level cover
• Terms and Conditions apply.  

Frequently Asked Questions

Depending on how often you travel, you may find that Single Trip or multi-trip travel insurance for Canada is best suited to your needs.

If you’re only making one trip this year, then Single Trip travel insurance for Canada is the best option for you. But, if you’re planning multiple trips, then Annual travel insurance to include Canada may prove to be more cost effective than buying several Single Trip policies.

Similarly, if you’re travelling the world on a backpacking holiday and are stopping off in Canada, then you may find that our Backpacker travel insurance is right for you. 

The cost of travel insurance for Canada will vary depending on a number of factors, including:

• The number of people travelling
• The age of the people travelling
• The length of your holiday
• Whether you have any medical conditions to declare, as this will affect your eligibility
• Whether you need any additional cover

The best way to find out how much your travel insurance for Canada will cost is to get a quote online. By supplying us with a few basic details about you and your trip, we’ll be able to provide you with a quote.

From 5th May 2021 we will no longer be offering travel insurance policies to cover people’s pre-existing medical conditions. This is only a temporary measure while we make improvements to our online booking engine. Please keep an eye on the Allianz Assistance website in the future so you are aware when we are able to offer this additional cover again.  Policies purchased before 5th May 2021 aren't affected and your cover won't change.

Once the updates have been made, and we're able to offer travel insurance to cover pre-existing medical conditions again, before you buy your Canada travel insurance policy, you should make sure that you declare any pre-existing medical conditions you have through our medical screening process. If you fail to declare your conditions, they won’t be covered by your policy.

You will be able to see if we can cover your conditions, simply click ‘Get a Quote’ and select your policy type before providing us with some basic information about your trip. If you have any questions about the medical screening process, or you’re unsure what pre-existing conditions are not covered, please call us on 0371 200 0428 (from 9am to 5pm - Monday to Friday).

One of the impreovments we are making is to extend the offer of pre-existing medical condition cover onto our Annual travel insurance policy. 

If you’re a British citizen, you won’t need a visa to visit Canada if you’re only staying for a short period. But you will need to get an Electronic Travel Authorisation (eTA) if you’re travelling by air. You can apply for an eTA online via the official Canadian government website .

If you’re travelling by land or sea, you won’t need an eTA when you enter Canada. However, you must travel with acceptable travel documents and identification .

Almost 750,000 Brits visit Canada every year and, even though Canada is considered to be a relatively safe country to visit, there are a number of things that you should be aware of before you travel to Canada.

Firstly, you should visit your healthcare practitioner 6-8 weeks before you travel, to check whether you require any vaccinations for your trip. Generally speaking, you’ll need to ensure all of your primary courses and boosters are up to date, and you may need diphtheria and tetanus vaccinations (these are recommended for most travellers). If your healthcare practitioner believes you’re at an increased risk, then they may also recommend hepatitis A, hepatitis B and rabies vaccinations. 1

You should also be wary of heavy snowfall in the winter months. During this time, highways are often closed in British Columbia and other Provinces because of snowstorms and avalanches. To understand conditions, you should check local news and weather reports and visit Environment Canada before you make a journey. You should also be aware that, because Canada is so vast, journeys often take longer than they do in the UK.

Although crime rates in Canada are relatively low, you should be wary of pickpockets. Many pickpockets can target tourists in busy areas, particularly around monuments and popular photo spots. Never leave your valuables on show and ensure they’re always stored away safely when not in use.

When browsing shops or looking at menus in restaurants, you should also be aware that the price of an item may not be the final price you pay. This is because a Goods and Service Tax is added to the bill. In addition to this, tipping is preferred in bars, restaurants and hotels.

1 Source: TravelHealthPro

Popular products from Allianz Assistance

Single Trip Travel Insurance

Annual Multi-Trip Travel Insurance

Backpacker Travel Insurance

Winter Sports & Ski Travel Insurance

Family Travel Insurance

Travel Insurance for Seniors

Sports & Leisure Insurance

Need help? Call us on: 0371 200 0428

Make a claim, policy documents.

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International Citizens Insurance

Medical, Life and Travel Plans!

U.S. 877-758-4881 - Intl. +44 (20) 35450909

Travel health insurance will cover the costs of getting medical attention in case of an emergency abroad. Plans also include medical evacuation, repatriation, trip interruption, and more. This type of coverage is necessary when you’re going outside your country for periods of up to a year or more. Even if you have a domestic medical plan, there is no guarantee that it will be accepted abroad.

Learn more about travel medical policies in this article and get to know which plans for traveling abroad fit your needs.

What is International Travel Health Insurance?

When traveling outside your home country, buying medical insurance as part of your international travel plan is vital to protect yourself against accidents or illnesses. Even if you have private medical insurance issued in your home country, it will most likely not cover you on your trip abroad. And even if it does, there is a chance that the coverage will be insufficient to provide the care you might need during your trip.

What Does Travelers' Medical Insurance Cover?

Depending on the plan you choose, your travel insurance policy can offer:

• Freedom to seek treatment with a hospital or doctor of your choice
• Maximum limits from $50,000 to up to $8,000,000
• 24/7 access to an emergency assistance medical hotline to speak with medical experts
• Deductible options from $0 to up to $25,000
• Renewable for up to 36 months
• Other benefits like travel delay/cancellation, baggage loss/delay
• Universal Rx pharmacy discount savings
• Repatriation and emergency evacuation

Is Travel Health Insurance Worth It?

The best travel medical insurance plans combine the benefits of travel insurance plans with additional health and medical coverage. Whenever you travel to another country, it is a necessity to have the right international plan that will cover you in case the unexpected happens.

Recommended Medical Travel Insurance Plans

We offer great options to cover you and your family during travel abroad. The Atlas plan is an affordable policy for travelers from most countries. GeoBlue's Voyager plan is a comprehensive plan tailored to US citizens. The Trawick Safe Travels plan includes comprehensive coverage for trip cancellation, trip interruption, emergency medical, and post-departure travel coverage, among other benefits. Trawick's Safe Travel USA is designed specifically for foreigners visiting the USA .

Pro Tip: Visit our Travel Insurance Guide to find which type of plan is best for your situation.

Recommended Plan for US Citizens Traveling Abroad

GeoBlue's Voyager Travel Insurance plan is designed specifically for US citizens traveling abroad. The benefits are excellent while remaining a very affordable option. Most importantly, the customer service is outstanding, which is essential when you need to reach someone in a medical emergency.

GeoBlue Voyager Plan

• For U.S. citizens up to age 95
• Includes pregnancy coverage, baggage loss, trip interruption & more
• 24/7/365 service and assistance

Option for All International Travelers

Trawick offers a great plan for all other nationalities traveling abroad to any country in the world. Coverage options are global, benefits are comprehensive, and they have a range of coverage levels to meet all budgets.

Safe Travels International

• Desinged for non-U.S. citizens traveling outside their home country (excluding the U.S.)
• Coverage for an unexpected recurrence of a Pre-Existing Condition
• Coverage from 5 days to 364 days - extensions are available

Recommended Plan for International Visitors to the US

Safe Travels USA from Trawick is the best plan option for international citizens visiting the United States. In addition to those listed above, benefits include limited coverage for wellness visits and "acute onset of pre-existing conditions".

Trawick Safe Travels USA

• Desinged for non-U.S. citizens traveling to the U.S. and addiitonal countries
• Includes comprehensive medical, evacuation, & repatriation coverage

Affordable Plans with Great Coverage and Benefits

Our suggested plan based on affordability, benefits, and service is the Atlas Travel Insurance Plan. Don't be fooled by the price - the benefits are very comparable to those offered by more expensive insurers.

• Emergency medical, evacuation, repatriation benefits
• Choose between the basic and more extensive coverage
• Meets Schengen visa insurance requirements
• 24/7 worldwide travel and emergency medical assistance

Or See for Yourself: Compare Travel Medical Insurance Plans

Frequently Asked Questions

How much does travel health insurance cost.

You can see in the table below that plans can cost from as low as $0.80 per day to as high as $5 a day , sometimes more. Monthly rates, ranging from $40 to $60, are also available, sometimes providing better value. How much an international travel health insurance plan costs will depend on the length of the trip, your age, medical limits, complications, and the deductible you choose by the time you purchase the plan.

Emergency medical plans for travelers are surprisingly affordable. The average cost of an international travel medical insurance plan is $2 per day. It is very affordable compared to the high cost of medical care should something go wrong on your trip.

Plans are often of a sort duration, within the travel period you have indicated, so the risks are less for insurers. As a result, medical insurance costs for traveling abroad are also significantly lower. Travel health policies also do not cover trip cancellations , so their premiums are lower than usual.

Costs and Benefits of a Travel Medical Insurance Plan

The cost of your plan will cover several benefits, all under one policy. For the low price listed here, you get emergency medical coverage abroad, trip interruption benefits, repatriation, medical evacuation, 24/7 travel assistance, and coverage for lost or stolen items. Some plans include personal liability coverage, natural disasters, political evacuation, and more.

How Optional Coverage Adds to the Cost of Your Policy

Many plans offer additional optional benefits for an additional cost. For example, you can add coverage for adventure trips, mountaineering, or Accidental Death and Disability (AD&D). Each additional benefit will increase the price of your plan. In general, the increase in premiums is affordable and worth the added expense if you feel you need that additional coverage.

What Are the Different Levels of Health Insurance for Traveling Abroad?

There are various levels of international travel health insurance plans from some of today’s leading insurers. These plans can range from very basic emergency health coverage to comprehensive health care, including prescriptions, medical evacuation, and insurance for high-risk activities.

• The most basic level of travel insurance covers emergency medical needs while you’re away from home. If you fall ill or get injured while traveling, this type of policy will usually cover your treatment. Some plans let you add higher maximums for medical coverage so you can get care for significant medical expenses.
• You can add features to your policy like prescription plans, repatriation, emergency evacuation, and coverage for pre-existing conditions. Depending on the plan, some of these might already be covered. 
• You can also add riders for so-called “extreme sports,” which cover you if you want to paraglide, climb mountains, or do zipline tours in the jungle. 
• Yet another type of travel insurance is trip cancellation, which pays you back if your vacation is interrupted or called off for a set list of reasons. A more expensive version of this is called Cancel For Any Reason or CFAR, which reimburses your trip costs if you suddenly can’t go for a reason that’s not otherwise covered. These plans include medical coverage, but you should check how much and whether you need more.

Among our most popular plans for US citizens is the GeoBlue Voyager Plan , which allows travelers to customize their coverage with different medical maximums and deductibles. You can be confident that your coverage, benefits, and service will be excellent.

Atlas Travel Insurance is a comprehensive travel medical policy that includes hospitalization and doctor coverage. It also includes coverage for lost luggage. You can customize the policy to include optional coverage for extreme sports .

The Patriot Platinum Insurance provides optional coverage for extra riders, including personal belongings and and extreme sports. This is perhaps the best medical policy for traveling abroad because it provides world-class coverage and access to the best service and assistance for traveling outside your home country.

You can review the list we made of the Best Travel Insurance Companies to get a better idea of which provider to choose.

For long-term travelers, expats, or individuals moving abroad for a year or longer, an international medical insurance plan might be a better option. These plans provide more comprehensive medical benefits but lack some of the coverage offered in travel health plans, such as trip interruption.

What Is the Cheapest Travel Medical Insurance Plan?

We offer a variety of medical plans for traveling abroad, and they come at a range of different price points.

When it comes to medical coverage, the best value travel insurance plan is one that covers specific benefits you need at a price you can afford. Some inexpensive plans do not cover the most important benefits or cover them with limited value. Other low-cost policies provide considerable travelers' medical insurance coverage, but their service is not as good, so it will be frustrating to use it in emergencies.

International Citizens Insurance has filtered the best insurance providers that offer affordable plans with good coverage and excellent service. For the most affordable and reliable plans, we recommend the following options:

How Do I Purchase an International Travel Medical Policy?

Applying for a travel health plan is easy. Just answer a few questions about yourself and the planned trip to get the initial quote. From there, you can refine the plan and see how much the travelers' medical insurance will cost by selecting and deselecting different benefits and their maximum coverage amounts. You can also tweak the deductibles, optional add-on features, and other portions of the policy, if possible.

Use our Plan Picker to get started!

When you are satisfied with the quote after adjusting the cost and benefits of the plan, you can proceed with the online application and pay for the plan using your credit card. A confirmation email will be sent along with policy documentation and relevant contact details should you need emergency medical assistance on your next trip.

We have listed some of the best medical insurance for international travel. Just follow the links on each one to learn more about the plan.

Do These Plans Cover My Visa Requirements?

In most cases, they do. The short term medical insurance plans we offer are designed to meet, and even exceed, most visa requirements of most countries. We also have plans that can meet Schengen Visa Insurance requirements.

Before traveling to a country, check the visa requirements to ensure you purchase the maximum benefit and deductible amounts required. Most countries require at least $50,000 of coverage in medical benefits, along with a specific deductible amount.

Check the visa requirements for the country you are traveling to, and then when purchasing your policy, you can select the level and benefits that meet those requirements.

Read More: Insurance for Your Travel Visa

Can You Buy Just Travel Medical Insurance?

Yes, definitely.

International travel medical insurance plans are designed to cover emergency medical expenses should you get sick or injured while traveling abroad. Suppose you are in an accident and need medical care. In that case, these plans are designed to help you find a doctor, get you treated in the best facilities available, cover necessary medical prescriptions, and provide continuous care.

Note: These plans will typically not cover any pre-existing conditions you might have. Before you sign up for a policy, check the part pertaining to pre-existing conditions to clarify any questions or concerns regarding that portion.

Your policy may not cover treatment for accidents or illnesses that occur while participating in certain dangerous activities. Some plans offer adventure sports coverage as an optional add-on. If you plan to partake in hazardous activities or sports events that pose a high risk of getting injured, it is best to get this add-on on top of your base-level coverage.

Some policies, known as trip cancellation plans , also cover the cost of your trip if you have to cancel, and are typically more expensive. If you only want coverage for medical emergencies, a travel medical plan is right for you.

Not sure where to start? Use our Pick a Plan tool.

How Does International Travel Medical Insurance Compare to Trip Insurance?

With the wide variety in names and coverage of travel, trip, and medical plans, it can be confusing to select which one is the most appropriate for your needs. Different service providers offer several levels of coverage, so a travel insurance plan provided by one insurer could be completely different from those offered by competitors.

Trip insurance is a short-term solution that covers trip cancellation, protection, and limited emergency medical coverage. This type of policy is usually available only for up to 62 days.

A travel health insurance plan is more comprehensive. It provides increased medical coverage from what a regular trip or travel insurance policy does. This type of policy is best for travel periods lasting from 5 days up to a year.

If you are considering longer-term coverage or more comprehensive medical benefits, read these guides to help you see the available options:

• Expatriate Insurance or Travel Insurance: What is the Difference?
• Overseas Health Insurance Coverage

Do I Need to Buy Health Insurance for Traveling Abroad?

Travel health insurance is a short-term solution for those who are traveling outside their home country anywhere between 5 days and a year. Whether it is for business or pleasure purposes, getting adequate coverage is an essential part of ensuring safe travels.

Having a health plan at home will not guarantee you coverage when you travel to other countries. And usually, if it does provide coverage, it will be limited and will not cover the most important areas that need to be addressed.

The plans we offer can work for a broad range of traveling individuals, including international vacationers, immigrants, relatives visiting from overseas, and foreign au pairs and nannies.

The best part about global travel health insurance policies is that they are available to all nationalities traveling abroad.

Which Countries Require Travel Medical Insurance to Enter?

Most countries that were requiring medical travel insurance with COVID-19 coverage at the height of the pandemic are no longer requiring it. However, it is still highly recommended. (Read our guide for more specific details on the latest travel insurance requirements.) Double-check all requirements before booking your travel policy. Below is a list of countries that still require travel medical insurance as of December 2023.

• Saudi Arabia
• the Czech Republic
• Liechtenstein
• the Netherlands
• Switzerland

Recommended Travel Medical Plan Options for US Citizens

The following rate tables below show the cost per day for U.S. citizens traveling outside of the U.S.

GeoBlue Voyager Choice

IMG Patriot International

WorldTrips Atlas International

Trawick Safe Travels Outbound

Rates were last updated on March 4, 2024

Recommended Travel Medical Plan Options for All Nationalities

The following rate tables below show the cost per day for international (non-U.S.) citizens traveling abroad, including trips to the U.S.

The plans, IMG Patriot America, WorldTrips Atlas America and Seven Corners Travel Medical, provide coverage worldwide, including inside the U.S. and outside the U.S.

Trawick Safe Travels USA only provides coverage inside the U.S.

IMG Patriot America

WorldTrips Atlas America

Seven Corners Travel Medical Plus

Pro Tip: Visit our Plan Picker to find the best plan at the right price for your trip.

How Much Travel Medical Insurance Do I Need?

It depends on where you’re going, what your home coverage is like, and what you plan to get up to!

• For shorter trips, you can probably get away with less coverage. But if you’re traveling extensively, you might think about a more thorough policy. If you are taking several trips throughout the year, consider annual travel insurance so you’re always covered.
• How’s your health? If you have conditions that need regular treatment or medications, make sure your policy is up to the level of care you need while abroad. Most plans will exclude coverage for pre-existing conditions, so be aware of that. 
• If you’re going somewhere with a high level of medical care easily available, you probably don’t need medical evacuation or repatriation. Consider adding it if you’re going into the wilderness, staying somewhere rural and far from care, or making an adventure trip.
• Speaking of, what are you planning to do on your vacation? You might be surprised by some things insurance companies consider “extreme sports.” If you’re planning anything outdoorsy, check if your activity requires special coverage.
• Some countries require a travel policy to get a visa. For instance, the Schengen visa requires a minimum of $50,000 in medical coverage. Check the visa rules for the place you’re traveling to.

Different Types of Health Plans for Travelers

Here at International Citizens Insurance, we provide a wide range of travel health plans from some of the leading insurers. Among our most popular plans are the Atlas and Patriot Plans, which have different levels to choose from, each designed to suit the needs of various travelers.

Atlas Travel Insurance is a comprehensive policy that includes hospitalization and doctor coverage. It can also include insurance on lost luggage. You can customize the policy to include optional coverage for extreme sports .

With Patriot Platinum Insurance , you can get coverage for extra riders and extreme sports when you add them. This is one of the best travel medical insurance plans for traveling abroad, providing world-class coverage and access to the best service and assistance for traveling outside your home country.

Annual, Multi-Trip Travel Insurance Plans for Frequent Travelers

International coverage for travel is available as a single-trip plan that covers a specific trip for a specified number of days.

But a multi-trip or annual travel insurance plan can cover all trips outside your home country during the year. This is usually valid for a year and up to a certain number of days per trip. This is a more cost-effective medical insurance for traveling abroad, especially if you are a frequent traveler.

If you are looking for one of the best travel health insurance policies we offer, consider the GeoBlue Trekker annual travel insurance plan. See the link below for more details on the policy and how you can get a quote before your purchase online.

Annual Plan for any Nationality

Seven Corners Travel Medical Annual Multi-Trip

• Buy annually and travel as often as you want.
• Choose from 30-, 45-, and 60-day trip lengths.
• Emergency medical evacuation benefit of $1,000,000.

GeoBlue Trekker Plan for US citizens

Trekker MultiTrip Travel Insurance

• Up to $500,000 for sickness and accidents
• $500,000 medical evacuation benefit
• Unlimited Trips Outside the U.S. for trips up to 70 days

Buy One of Our Recommended Travel Medical Plans

Atlas Travel Insurance: Learn More | Free Quote / Apply (Best for All Nationalities Traveling Abroad)

GeoBlue Travel Insurance: Learn More | Free Quote / Apply (Best for US Citizens Abroad)

A message from the Center for Disease Control : Severe illness or injury abroad may result in a financial burden on you and your family. Although planning for every possible contingency is impossible, travelers can reduce the cost of a medical emergency by considering the purchase of 3 types of insurance for their trip: trip insurance, travel health insurance, and medical evacuation insurance. These insurance policies can be purchased before a trip to provide coverage in the event of an illness or injury and may be of particular importance to individuals with chronic medical conditions. Basic accident or travel insurance may even be required for travelers to certain destinations.

Author: Joe Cronin , Founder and President of International Citizens Insurance . Mr. Cronin, a former expat, is an authority in the areas of international travel, and global health, life, and travel insurance, with expertise in advising individuals and groups on benefits for today's global workforce. Follow him on LinkedIn or Twitter .

Get a fast, free, international insurance quote.

Global medical plans, specialty coverage, company info, customer service.

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• Passports, travel and living abroad
• Travel abroad
• Foreign travel advice

Entry requirements

This information is for people travelling on a full ‘British citizen’ passport from the UK. It is based on the UK government’s understanding of the current rules for the most common types of travel. 

The authorities in Canada set and enforce entry rules. If you’re not sure how these requirements apply to you, contact the Canadian High Commission in the UK .

COVID-19 rules

There are no COVID-19 testing or vaccination requirements for travellers entering Canada.

Passport validity requirements

To enter Canada, your passport must be valid for the length of your planned stay.

If you’re travelling through another country on your way to or from Canada, check the entry requirements for that country. Many countries will only allow entry if you have at least 6 months validity remaining on your passport. 

Visa requirements

To enter or transit through Canada, most people need a visa or an Electronic Travel Authorization ( eTA ) – not both.

Check if you need a visa or an eTA online .

You do not need a visa for short visits (normally up to 6 months). You may need an eTA instead.

You do not need an eTA , if you are:

• arriving by land and sea – you must have acceptable travel documents and ID
• a British-Canadian dual national – you must have a valid Canadian passport

See Canada’s entry requirements for full details of eTA and visa requirements.

Contact the Canadian High Commission in the UK if you are unsure about visa requirements or your eligibility to enter the country, for example, if you have a criminal record or have been arrested.

Checks at border control

Canadian border officials may ask you to show a return or onward ticket and proof that you have sufficient funds to support yourself for the duration of your stay, even if you are staying with family or friends.

Visas for permanent residence, study or work

See information on visas for permanent residence, study or work in Canada .  

Transiting through Canada

If you are travelling through Canada (transiting) by air, you must have an eTA or a transit visa.     

If you have questions, contact:

• your airline
• Immigration, Refugees and Citizenship Canada
• your nearest Canadian high commission, embassy or consulate

Find out more about transiting Canada .

Visa and eTA scams

Some unauthorised websites charge for submitting visa applications. These websites are not associated with the Canadian government.

You can check your eTA status online with the Canadian government . If it has been 72 hours since you applied, and you have not received confirmation of your application, complete an enquiry form .   

Travelling with children

If a child travels alone or with only one parent or legal guardian, they should carry a letter of consent from the non-travelling parents or guardians. Immigration officers have the right to question children using simple and appropriate language to see if there are any concerns about child abduction.

For more information, check with the Canadian High Commission in the UK or the Canada Border Services Agency .

Vaccine requirements

For details about medical entry requirements and recommended vaccinations, see TravelHealthPro’s Canada guide . 

Customs rules

There are strict rules about goods that can be taken into and out of Canada . You must declare anything that may be prohibited or subject to tax or duty.

The Canadian authorities will confiscate banned food products and you could get a fine. For more information, see importing food, plants or animals to Canada .

If you visit a farm or have contact with wild animals before entering Canada, and plan to visit a farm during your stay, you must declare this on your Customs Declaration Card. For more information, see biosecurity at the Canadian border .

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Canada Travel Insurance

Travel insurance for canada: a guide for us travelers .

From exploring Banff National Park's breathtaking landscapes to experiencing Toronto's vibrant culture or the historic sites of Quebec City, Canada offers a wide range of popular locations and activities. However, before you dive into your adventure, there's a crucial detail to address: securing your travel insurance. 

Discover all the ins and outs of travel insurance for Canada in this guide.   We've got you covered with details on costs, requirements, essential coverage, COVID-19 restrictions, and some handy tips for your trip. 

What should your Travel insurance cover for a trip to Canada? 

How does travel insurance work for canada, do i need travel insurance for canada , how much does travel insurance cost for canada .

• Travel Insurance Requirements for Canada 

Are there any COVID-19 restrictions for US Visitors? 

Are there any required travel vaccinations for canada , traveling with pre-existing medical conditions , our suggested axa travel protection plan .

At a minimum, your travel insurance to Canada should cover trip cancellation, trip interruption and emergency medical expenses. Regarding international travel, the US Department of State outlines key components that should be included in your travel insurance coverage.   AXA Travel Protection plans are designed with these minimum recommended coverages in mind.    

• Medical Coverage – The top priority is making sure your health is in order. With AXA Travel Protection, you can have access to quality healthcare during your trip overseas in the event of unexpected medical emergencies.    
• Trip Cancellation & Interruptions – Assistance against unexpected trip disruptions can dampen the mood, AXA Travel Protection offers coverage against unforeseen events.   
• Emergency Evacuations and Repatriation – In situations where transportation is dire, AXA Travel Protection offers provisions for emergency evacuation and repatriation.   
• Coverage for Personal Belongings – AXA offers coverage for your belongings with assistance against lost or delayed baggage.   
• Optional Cancel for Any Reason – For added flexibility, AXA offers optional Cancel for Any Reason coverage, allowing you to cancel your trip for non-traditional reasons.  Exclusive to Platinum Plan holders. 

In just a few seconds, you can get a free quote and purchase the best travel insurance for Canada.

Let’s say you’re exploring Ottawa's stunning architecture or skiing down Banff's slopes with AXA Travel Protection. If you were to fall ill or face an unexpected travel hiccup, AXA Travel Protection steps in to help support you. Whether assisting in medical transportation or finding the best alternative for a trip delay, AXA Travel Protection ensures you’re supported in your time of need.  

How AXA Travel Protection Can Benefit Visitors to Canada 

Here’s the entire list of benefits travelers can have access to with an AXA Travel Protection Plan: 

Medical Benefits: 

• Emergency Medical Expenses: Should you fall ill or have an accident during your trip, your policy may offer coverage for medical expenses, including hospital stays and doctor's fees. 
• Emergency Evacuation & Repatriation: In case of a serious medical emergency, your policy may include provisions for evacuation to the nearest appropriate medical facility or repatriation. 
• Non-Emergency Evacuation & Repatriation : In non-medical crises (e.g., political unrest), your policy may cover evacuation or repatriation, subject to policy terms.   

Baggage Benefits: 

• Luggage Delay: If the airline delays your checked baggage, your policy might offer reimbursement for essential items like clothing and toiletries. 
• Lost or Stolen Luggage: In the unfortunate event of permanent loss or theft of your luggage, your policy may offer reimbursement for its value, assisting you in replacing your belongings.   

Pre-Departure Travel Benefits: 

• Trip Cancellation: You may be eligible for reimbursement if you cancel your trip due to a sudden illness or injury. 
• COVID-19 Travel Insurance: Coverage is available for trip cancellation and medical expenses related to COVID-19, subject to policy terms and conditions. 
• Trip Delay: If your flight faces delays due to unforeseen circumstances, you may have coverage for additional expenses such as meals and accommodations.   

Additional Optional Travel Benefits:

• Rental Car (Collision Damage Waiver): Exclusive to Gold & Platinum plan policy holders, this optional benefit gives travelers extra coverage on their rental car against damage and theft. 
• Cancel for Any Reason: Exclusive to Platinum plan policy holders; this optional benefit gives travelers more flexibility to cancel their trip for any reason outside of their standard policy. 
• Loss Skier Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate some costs associated with pre-paid ski tickets that you or your traveling companion cannot use due to specified slope closures. 
• Loss Golf Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate the expenses linked to prepaid golf arrangements that you or your travel companion are unable to utilize due to specified golf closures.   

Americans aren't required to purchase domestic or international travel insurance to visit Canada. But it’s still highly recommended to have a travel insurance plan before embarking on your next trip.  

Why? There are several reasons: 

• Medical Emergencies: Your health is a top priority. If you face a sudden illness or injury in Canada, travel insurance offers the means to receive prompt and quality medical care.    
• Lost Baggage: Airlines sometimes mishandle baggage, and the last thing you want is to be without essentials in an unfamiliar place. Travel insurance offers to cover the cost of replacing necessary items, allowing you to continue on.   
• Flight Delays: Travel disruptions like flight delays can happen. If you miss a connecting flight or incur additional expenses due to delays, travel insurance can help cover the costs. 

In general, travel insurance to Canada costs about 3 – 10% of your total prepaid and non-refundable trip expenses. The cost of travel insurance depends on two factors for AXA Travel Protection plans: 

• Total Trip cost: The total non-prepaid and non-refundable costs you have already paid for your upcoming trip. This includes prepaid excursions, plane tickets, cruise costs, etc.   
• Age: Like any other insurance type, the correlation is rooted in increased health risks associated with older individuals. It's important to note that this doesn't make travel insurance unattainable for older individuals. 

With AXA Travel Protection, travelers to Canada will be offered three tiers of insurance: Silver, Gold , and Platinum . Each provides varying levels of coverage to cater to individual's preferences and travel needs. 

Travel Insurance requirements for Canada 

Travel insurance is not mandatory for US travelers coming to Canada, but having coverage for medical emergencies is a smart move. It's also worth checking if your visa, entry requirements, or tour operator call for extra coverage.   

As of October 2023, Canada has eliminated all COVID-19 entry requirements. However, it's crucial to be mindful of your health. If you develop COVID-19 symptoms before your trip, consider postponing your travel plans to Canada. Having Cancel for Any Reason as part of your travel insurance plan becomes invaluable in such a scenario. This optional benefit provides the flexibility to cancel your trip, even for a reason beyond standard coverage.   

Canada does not have specific vaccine requirements for travelers. However, due to COVID-19, travel requirements may change from time to time. Stay up-to-date on vaccine requirements and recommendations by consulting official sources such as the Government of Canada's website.   

Traveling with pre-existing medical conditions can complicate your plans, but with AXA Travel Protection, we're here to support you during your trip.   Our Gold and Platinum  plans offer coverage for pre-existing medical conditions.  The Platinum plan, in particular, is our highest-offered choice for travelers who want our highest coverage limits and optional add-ons, 

What does this mean for you? If you've got a medical condition hanging around, you can qualify for coverage under our Gold and Platinum plans with a pre-existing medical condition , so long as it’s within 14 days of placing your initial trip deposit and in our 60-day look-back period. We're here to ensure you travel easily, no matter your health situation.   

AXA presents travelers with three travel plans – the Silver Plan , Gold Plan , and Platinum Plan , each offering different levels of coverage to suit individual needs. Given that Canadian hospitals often do not accept U.S. health insurance or Medicare, we genuinely recommend travelers consider purchasing any of these plans, particularly for the crucial coverage they offer for emergency accident and sickness medical expenses.  

The Platinum Plan is your go-to choice if you're looking for extra coverage aligned with the Canadian experience. " Cancel for Any Reason " offers greater flexibility for those unexpected twists in your travel plans and the " Rental Car (Collision Damage Waiver) " offers assistance when you're out exploring Canada's stunning landscapes in a rental car. 

Additionally, part of the Platinum Plan is the " Lost Skier Days " benefit, offering potential reimbursement if ski resorts unexpectedly close due to ever-changing snow conditions. These perks make the Platinum Plan an excellent option for anyone seeking comprehensive protection during their exciting Canadian adventures. 

FAQs about Canada Travel Insurance   

1. can you buy travel insurance after booking a flight .

Absolutely, travelers have the option to purchase travel insurance for Canada after they've booked their flights.  

It's advisable to purchase travel insurance for your trip as soon as you have made your initial trip deposit (prepaid and non-refundable trip costs.)   AXA Travel Protection offers coverage as soon as you purchase your protection plan. We can give coverage against unforeseen events before you leave for your trip.   Additionally, our policies offer coverage for preexisting medical conditions and Cancel for Any Reason if you purchase your protection within 14 days of making your initial trip deposit. 

2. Do US citizens need travel insurance to Canada? 

Travel insurance to Canada from the USA is not mandatory, but it is highly recommended. While Canada’s healthcare system is fantastic, it might not cover all your medical expenses as a non-resident and medical bills can add up fast.  

3. What type of medical conditions does AXA Travel Protection cover?  AXA covers three types of medical expenses: 

• Emergency medical expenses 
• Emergency evacuation & repatriation 
• Non-medical emergency evacuation & repatriation 

Emergency medical expenses are unexpected incidents that arise, such as broken bones, burns, unexpected illnesses, and allergic reactions.  Emergency evacuation and repatriation can cover your immediate transportation home in the event of an accidental injury or illness.     Non-medical emergency evacuation and repatriation can cover evacuation assistance when you immediately leave a destination for non-medical-related events. These could be things like natural disasters or civil unrest.   

Disclaimer: It is important to note that Destination articles are for editorial purposes only and are not intended to replace the advice of a qualified professional. Specifics of travel coverage for your destination will depend on the plan selected, the date of purchase, and the state of residency. Customers are advised to carefully review the terms and conditions of their policy. Contact AXA Travel Insurance if you have any questions.  AXA Assistance USA, Inc.© 2023 All Rights Reserved.  

AXA already looks after millions of people around the world

With our travel insurance we can take great care of you too

Get AXA Travel Insurance and travel worry free!

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Speak with one of our licensed representatives or our 24/7 multilingual insurance advisors to find the coverage you need for your next trip.

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

Updated: Apr 30, 2024, 1:13pm

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.

Fast Cover Travel Insurance

On Fast Cover’s Secure Website

Medical cover

Unlimited, 24/7 Emergency Assistance

Cancellations

Unlimited, (Trip Disruption $50,000)

Key Features

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Cover-More Travel Insurance

On Cover-more’s secure website

Unlimited, with a $2000 limit to dental

Yes, amount chosen by customer

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Medical Cover

Including medical treatment, doctors’ visits, prescribed medication, specialist treatment & medical transport costs

$2,500 with option to increase to unlimited

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.

Featured Partners

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.

Money latest: Turns out Sainsbury's boss was right about self-checkouts - Britons do love them

A poll shows a majority of Britons like self-checkouts - backing up comments by the boss of Sainsbury's. Read this and all the latest consumer and personal finance news below, plus leave a comment in the box.

Tuesday 30 April 2024 13:07, UK

• Mortgage approvals in March were highest since 2022 - but is housing market turnaround stuttering?
• State pensions could be in doubt for future generations, expert warns
• Higher food prices and shortages warning - as new Brexit checks begin

Essential reads

• Love or loathe? Readers respond to Sainsbury's claim that Britons love self-checkouts
• Swap rates are the reason mortgage rates are rising - what are they?
• Gameboys, Sindy dolls, designer shoes, 1950s furniture: The items in your attic that could be worth a small fortune
• Money Problem : 'A company isn't abiding by written warranty for dodgy building work - what can I do?'  
• '£2,000 landed in my account' - The people who say they're manifesting riches
• Train strikes in May - everything you need to know

Ask a question or make a comment

Mortgage approvals rose to 61,300 in March - the highest number since September 2022.

They had been at 60,500 in February, according to the Bank of England.

While this is positive, industry experts are reporting that uncertainty over the direction of interest rates this year is prompting caution.

Mortgage rates have risen in the last few weeks as markets went from pricing in a base rate cut in June to thinking it may be August.

US inflation proving stubborn has led to concern here that the path to the 2% target may be bumpy - meaning the base rate may have to stay high in order to constrain spending and thus ease price rises.

Forecasts of three cuts this year from the current 5.25% have been scaled back to two.

Hina Bhudia, partner at Knight Frank Finance, said: "The sun is out and buyers are returning from their Easter break, so we'd usually expect these to be the busy weeks before the summer; however, the uncertain outlook for mortgage rates will undoubtedly weigh on activity.

"It's not just buyers that are frustrated. The lenders are eager to rebuild their businesses after a subdued 2023; however, they are constrained by stubborn inflation and the resulting impact on their cost of funding."

Following Sainsbury's boss Simon Roberts' claim that Britons like self-checkouts...

...we asked Money blog readers, and followers of our LinkedIn page , for their views.

While our inbox was filled with a lot of hate for self-checkouts, our poll of 2,613 people on LinkedIn shows that, overall, Mr Roberts was right...

We have rounded up some of your views here...

Self-checkout is the worst thing to ever happen. Standing like a child with your hand up, one person running up and down to deal with this, underpaid and understaffed. Janice Karaaziz, Money reader

I'll go out of my way to find a cashier, largely because my five-year-old will make a beeline for pressing the scales. I've noticed my local store having fewer and fewer cashiers on - and on many occasions there have been none. We need to think about inclusivity here. There will be some customers who will need a cashier for various reasons, so would expect there to always be at least one on, so stores are accessible for everyone. KaraS, LinkedIn

I try and limit my social interactions as much as possible, out of choice, so most of the time self-checkouts are convenient. Alasdair Corton, LinkedIn

They induce a level of irritation. Sometimes I can be heard answering them back. In general I choose to have my items flung at me by Lidl checkout staff. Siobhan W, LinkedIn

Self-checkout provides a great alternative to customers, especially those with smaller quantity purchases, but personally I think it's sad to see them dominate the front of Sainsbury's stores. In my opinion, it's the removal of one of the greatest ways to provide good customer service. Tom Tregay, LinkedIn

Self-checkouts are great, I will always choose to use one instead of a normal checkout. Some are easier to use than others, the Co-op and Tesco have easy-to-use interfaces whereas Morrisons is a bit more complicated. They'll evolve over time and there's always staff to help out. CG, LinkedIn

They're useful, but when they trigger a "basket check" on nearly every single shop, they begin to lose attractiveness Nicola Bradley, LinkedIn

I tend to argue with them lol. Especially when I can't get it to scan a particular item or you need approval for something so you have to wait for assistance anyway! Plus as a disabled customer I have to juggle my crutch, shopping, scanning and packing. With reduced staff in shops you can't always get the help you actually need. Elizabeth Graney, LinkedIn

Definitely not. So when I go to Sainsbury's I see a lot of older people and no way do they want to use self-checkouts. My mother lives in assisted living and all of them say they hate them. Get a grip, Simon - they are not faster, they are saving you employing more staff. I know my aunt has stood at an Asda til they put a staff member on there. Andrea Robinson, LinkedIn

Robots should never replace humans. Interaction is essential... if machines replace people no one will work, it's a crazy dangerous road. Nicola van Eerten, LinkedIn

The self-checkout is a money-saving exercise. They cut back everywhere. No staff on the shop floor to help. Paper bags in the veg section now cost 30p - for absolutely no reason. Mark, Money reader

Average advertised rents have hit a new high in the UK, according to Rightmove .

Across Britain, excluding London, the average monthly rent being asked for a property coming on the market in the first quarter of 2024 was £1,291, the property website found. This was 8.5% higher than a year earlier.

The average advertised rent in London also hit a fresh high in the first quarter of 2024 at £2,633 per month but this was just £2 higher than the average asking rent in the fourth quarter of 2023.

While average rents have climbed, the property website says there are signs that the pace of the increases is slowing.

There are also indications that more landlords are having to reduce their asking rents, particularly for bigger homes, to meet what tenants can afford.

Rightmove's director of property science, Tim Bannister, said the rental market was "no longer at peak boiling point" but it "remains at a very hot simmer".

By James Sillars , business reporter

The index rose by 0.3% to 8,174 points at the open.

Only real estate stocks were proving any kind of drag.

Among the companies leading the gainers was HSBC.

It climbed by more than 2.6% in London after the Asia-focused bank announced a rise in shareholder awards despite a slight drop in quarterly profits.

The share price reaction also reflected news that chief executive Noel Quinn is to retire - read the full story of that here ...

Among the other gainers in early dealing was Whitbread.

The Premier Inn owner's annual results revealed a sharp rise in annual profits but also a new focus on hotel investment at the expense of its restaurant brands.

That was placing 1,500 jobs at risk, it warned - read the full story here ...

By Jess Sharp , Money team

We first came across Tom McPhail when he posted this on X... 

The pensions expert appeared to be suggesting state pensions were at risk of disappearing.  

After speaking to him on the phone, he confirmed that was exactly his concern, warning something needed to be done sooner rather than later to avoid a "catastrophic" situation.  

He described state pensions as a social contract – each generation pays taxes and national insurance, which funds the pensions of today's older people, and they hope the following generation will do the same for them.

But with population growth slowing, there's a worry there may simply not be enough people to keep the system afloat in the future.  

"There's a significant demographic shift going on in the UK. It started before the Second World War, cohorts of people born in the 1930s have been experiencing significantly longer lives than was the case prior to that, so people now in their 80s are living quite a lot longer," he said. 

"But at the same time, we've got fewer children coming through. And so this exacerbates the shift in the age of the population."

He said if he was 20 today, he would be "sceptical" about the promise of a state pension because he isn't sure how it's going to be paid for.  

At the moment, the state pension system costs around £120bn a year and more than half of retired people rely on it to make up at least 50% of their income, he added.  

Over the next 50 years, Tom predicts the proportion of GDP the state spends on older people will increase from around 16% to 25%.  

"I hesitate to use the word unsustainable, but it will certainly start to look challenging," he said.  

"If we suddenly switched off the state pension or significantly reduced it, people would be in trouble, so the government can’t do that. 

"You can't keep on progressively ratcheting up a more and more generous state pension. The costs of state pensions is going to become increasingly difficult for the younger cohorts to bear."

He pointed to a few ways to potentially salvage the state pension – policy change, more babies being born or people working until they are in their 70s.  

"Politicians are going to have to make decisions about how to get out of this kind of political bind," Tom added. 

"Time and time again it's just kick the can down the road on the pension question, just put a sticking plaster on it and let the next government deal with the problem. 

"You can't keep doing that. So I would really like to see, on the other side of this forthcoming general election... whoever's in power, in collaboration with whoever's in opposition, to just really open it up to some honest conversations about where the demographics are going to take us." 

He does note there is one piece of good news: "This happens quite slowly, so we do have time on our side." 

Basically, swap rates dictate the pricing of fixed-rate mortgages.

Lenders, such as banks and building societies, borrow in order to lend.

They borrow from financial markets and often these transactions are made using Sterling Overnight Index Average (SONIA) swap rates, which can move around.

By contrast, most domestic mortgages are set on what is known as a "term" rate – in other words, the borrower knows how much interest they will be paying for a set period of time.

To avoid a situation where the SONIA rate goes above the rate it is charging borrowers, which would leave the bank or building society lending at a loss, the lender will seek to enter a "swap" arrangement which protects them from such a situation.

Under such agreements, two parties exchange cash flows with each other. The lending bank will swap the variable payments it may make to service a mortgage (which is fixed to the SONIA rate) for payments at a fixed rate. This insulates the lending bank from unexpected increases in the SONIA rate.

Once a deal is struck based on the swap rate, mortgage providers set their fixed deals for customers, with their own profit margin priced in.

How are swap rates decided?

Swap rates are based on what the markets think will happen to interest rates in the future.

When they go up, so do the rates being offered on the high street, as we have seen in the last week or two amid uncertainty over whether forecasts for a summer base rate cut are accurate.

Read other entries in our Basically... series:

Train drivers will stage a fresh wave of strikes and overtime bans in May, causing disruption to the rail network.

The strikes are part of a long-running dispute over pay.

Members of Aslef union at 16 rail companies will walk out on different days from 7 to 9 May. Additionally, all members will refuse to work any overtime from 6 May to 11 May.

Here is a full list of the services affected by strikes and when.

Rail strike dates

Tuesday 7 May

Strikes will affect c2c, Greater Anglia, GTR Great Northern Thameslink, Southeastern, Southern, Gatwick Express and South Western Railway.

Wednesday 8 May

Strikes will affect Avanti West Coast, Chiltern Railways, CrossCountry, East Midlands Railway, Great Western Railway and West Midlands Trains.

Thursday 9 May

Strikes will affect LNER, Northern Trains and TransPennine Express.

Overtime ban dates

From Monday 6 May to Saturday 11 May union members will not work overtime.

Overtime bans, an action short of a strike, means some services may not be running or may be reduced as drivers refuse to work their rest days.

People are advised to check before they travel, as some areas may have no service.

How do strikes and overtime bans affect services?

Strikes tend to mean services on lines where members are participating are extremely affected or cancelled entirely, whereas overtime bans often lead to reduced services.

How can I stay in the loop?

You can use the National Rail's  journey planner  to see when trains are running.

Be sure to check it close to when you plan to travel, as it will be updated regularly.

Why are the strikes still happening?

Aslef rejected a two-year offer of 4% in 2022 and another 4% this year, saying this was way below inflation, and was linked to changes in terms and conditions.

Aslef says train drivers have not had an increase in salary for five years, since their last pay deals expired in 2019.

Royal Mail is temporarily waiving a £5 charge for unsuspecting members of the public who receive post sent with a fake stamp.

The company said it was developing a new scanner in its app which will let customers scan stamp barcodes and check whether they are recognised counterfeits.

While this takes place, the £5 charge for people who receive the post will be paused, Royal Mail said.

It added that it would work to ensure the sender of items posted with counterfeit stamps are charged instead of the recipient where possible.

Royal Mail chief commercial officer Nick Landon said new security measures alongside its barcoded stamps have "led to a 90% reduction" in counterfeits.

"We want our customers to buy stamps with confidence and always recommend that customers only purchase stamps from post offices and other reputable high street retailers," he said.

Tesco Clubcard users have the chance to secure up to £50 in points over the next six weeks as part of its new "Clubcard Challenge" initiative.

Three million Clubcard holders will be invited to take part in the campaign. If they accept, they'll receive 20 challenges that Tesco says will be "personalised just for them" - of which they can choose up to 10 to complete.

The supermarket giant said it was working with AI company EagleAI to offer the "hyper-personalised" promotion.

Challenges will involve spending a certain amount on a range, such as its BBQ food offering, or type of product, such as plant-based food. Customers who complete the "challenges" will be handed extra Clubcard points.

Lizzie Reynolds, group membership and loyalty director at Tesco, said the company was "very excited" to see how its customers responded.

Let us know what you think of this in the comments box above.

Strikes at Heathrow Airport are taking place over the next few weeks, with the first one already under way.

Staff at the UK's biggest airport are set to walk out during the early bank holiday in May, with their union warning planes could be "delayed, disrupted and grounded".

Click here to find out when all the strikes are, what disruption is expected and which airlines are affected...

The average price paid for comprehensive motor insurance rose 1% in the first quarter of the year, according to industry data indicating an easing in the steep rises seen last year.

The latest tracker issued by the Association of British Insurers (ABI) showed a 1% increase on the previous three months to £635.

That was despite the average claim paid rising 8% to reach a record of £4,800, the body said.

The ABI said the disparity showed that its members were "absorbing" additional costs and not passing them on.

Nevertheless, the average policy was still 33%, or £157, higher between January and March compared to the same period last year.

Read the full story here ...

Getir , the grocery delivery app, has abandoned a European expansion that is set to result in the loss of around 1,500 jobs in the UK.

Sky News had previously revealed that the Turkey-based company, which means "to bring" in Turkish, had  successfully raised money from investors to fund its withdrawals  from the UK, Germany and the Netherlands.

It had already departed other countries including Italy and Spain.

The exits were prompted by growing losses linked to the company's rapid expansion.

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