cra claim travel medical insurance

If devices mentioned above have not been purchased directly from a doctor, dentist, nurse or hospital , make sure you have something in writing from your medical practitioner to indicate that the device is medically required.

If you're not sure if your medical expense qualifies, follow the links below to Canada Revenue Agency information.

Cannabis as an Eligible Medical Expense

Income tax act s. 118.2(2)(u), cannabis regulations s. 264(1).

Previously, the cost of cannabis products could be eligible for the medical expense tax credit (METC) when they were purchased for a patient for medical purposes as per the Access to Cannabis for Medical Purposes Regulations , under the Controlled Drugs and Substances Act .

With the legalization of cannabis, as of October 17, 2018, eligible medical expenses include, for a patient who is the holder of an appropriate medical document , the cost of cannabis, cannabis oil, cannabis plant seeds or cannabis products purchased for medical purposes from a holder of a licence for sale for medical purposes of cannabis products. The individual purchasing the cannabis product must be registered as a client of the holder of a licence for sale.  This measure was included in Bill C-97 which received Royal Assent in June 2019.  See Licensed cultivators, processors and sellers of cannabis under the Cannabis Act .

Cannabis-related Definitions under the Cannabis Regulations s. 264(1):

Cosmetic procedures, taxtips.ca resources, canada revenue agency (cra) resources.

 - Details of medical expenses

Meal and vehicle rates used to calculate travel expenses for medical travel for each province - 2022 rates will be available in 2023

Income Tax Folios:

Revised: March 22, 2024

Tax seasons are not a favourite for many. For most, getting assistance from a qualified accountant is the go-to option. However, understanding your tax payments and claims is paramount. If you love to travel, you probably have started exploring travel medical insurance options. And you may already have a ton of quotes from different travel insurance providers. For example, if you like travelling by boat, you can get quotes for boat insurance in Alberta and boat insurance in Red Deer . 

Confused about whether to claim your travel insurance costs when filing your income tax? Well, we will break it all down for you, so be sure to have a copy of your travel insurance documents for the income tax filing. You never know, you could save some money on your travel insurance in the next tax season!

Is travel insurance eligible for tax credits?

Travel insurance is expensive. Whether travelling for a short trip, an extended holiday with the family or are suffering from pre-existing medical conditions, anyone will tell you one thing. NEVER make travel plans without the necessary insurance. Luckily, you can recoup part of the travel medical costs via the CRA Medical Expense Tax Credit. These tax credits pave a way for travellers to cut down on their tax liability. However, one must meet certain requirements to be eligible for a claim. 

What are the travel insurance tax deduction provisions in Canada? 

• You can only claim travel medical costs. This eliminates other travel insurance-related claims such as travel interruption, cancellation or even baggage insurance. You may have travel insurance that provides coverage for all travel-related perils. However, the only amount that can be claimed for a refund is that which is related to the medical costs that will be incurred during the travel period. This also applies to other eligible uninsured medical expenses that a traveller incurs when travelling outside Canada. 
• Travellers can claim medical expenses incurred outside and inside Canada. However, you MUST NOT have received reimbursement for the expenses. For instance, if you have an insurance policy, your insurer must not have reimbursed the extra medical expenses incurred. 
• Employed persons cannot make claims on health benefits received by the employer which are reimbursed to the said person. However, if the insured incurred travel medical costs out of pocket, then they can file a tax claim. 
• Medical costs paid to a private health services plan for a spouse, self or anyone connected by blood can be claimed on the income tax. 
• You will be required to provide documents that show proof of your medical travel insurance to CRA. This will show the cost of the premium and the eligibility of the policy for a tax credit. As such, you should ensure you safely store the travel medical insurance receipt if you plan on making a claim. 
• You will not receive the medical travel expenses in full in the tax credit. The Canadian government only reimburses part of the travel medical expenses. 
• The Canadian government only offers tax credits for medical expenses up to a minimum dollar value threshold. 
• If an employer makes contributions for the employees to a private health services plan, the employees will not be granted any taxable benefit, meaning that they can not make a claim. However, if an employee pays medical premiums to a private health services plan, the costs qualify as medical expenses. As such, the employee can claim the travel costs and reap the tax deduction benefits. 

Want to have a stress-free travel experience? Here are some common travel insurance mistakes to avoid. 

• Not disclosing your true health status - Most travel insurers do not provide coverage for pre-existing conditions. If you receive treatment for a pre-existing condition that was not declared, your insurer may decline your claim or even cancel your policy. This may also make it difficult to claim a tax refund on the amount of out-of-pocket expenses incurred. 
• Purchasing a travel insurance policy based on price as opposed to coverage - Travel insurance can be expensive. Most travellers often make the mistake of purchasing a policy based on the pricing and ignore the coverage. Given that cheaper insurance plans may not provide sufficient coverage, always be on the lookout for the deductible amounts and reimbursement amounts. 
• Failure to scrutinize the policy’s exclusions and limitations - Insurance policies have coverage exclusions and limitations. For instance, your travel insurance may not provide coverage for some sporting activities such as parachuting. To avoid getting unpleasant surprises when making claims, ensure you discuss your travel plans with your insurer and get clarification on the coverage provided. 
• Failure to purchase coverage for the entire duration of the trip - Travel insurance should provide coverage for the entire trip. While it is not wrong to extend the duration of your trip, ensure you contact your insurer and inform them of the travel dates changes. 
• Travelling to a different province in Canada without travel insurance - Most Canadian residents ignore the fact that provincial health insurance does not provide coverage for all emergency medical care costs when outside your province. For instance, ambulance and prescription drugs are not covered under the provincial health insurance plan, meaning that you will be required to pay out of pocket if need be. 
• Relying only on free travel insurance coverages - You may have travel insurance included in your credit card, bank account or even your group insurance. However, take time to understand the coverage provided. Most free insurance plans provide the least coverage and are, in most cases, not suitable for travel plans, especially without another travel insurance plan. 
• Purchasing travel insurance too late - Travel insurance is often forgotten when making travel plans. Buying travel insurance too late may limit a traveller from comparing quotes from other insurance. When purchased late, you are most likely to pay exorbitant rates. 

While you will not receive the full travel expenses incurred when you make a tax claim, you can still save some money on your medical travel expenses. Tax claims can be uncertain. However, remember it is always wise to claim and receive no reimbursement than not to claim at all and miss out on a refund. If you are planning on making a claim, always ensure you have your papers, receipts and any other vital information that may be required.   

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Are travel insurance premiums tax deductible.

Can I get a tax deduction for my travel insurance premiums?

Yes, Canadian snowbirds and other travellers may be eligible to recoup some of the cost of their travel medical insurance premium by claiming it as a Medical Expense Tax Credit on their T1 General Income Tax and Benefit Return .

Medical Expense Tax Credits allow you to reduce your income tax liability by claiming travel medical insurance premiums and other eligible medical expenses on your tax return provided certain eligibility requirements have been met.

For example, o nly travel  medical  insurance premiums are eligible to be claimed. Other types of travel insurance such as trip cancellation/interruption insurance and baggage insurance are not eligible for the Medical Expense Tax Credits.

For additional information, please refer to our article Are my Travel Insurance Premiums Tax Deductible?

Always make sure you speak to your tax professional to get advice on claiming your Medical Tax Credit.

Disclaimer:  The material provided in the Snowbird Advisor Insurance Learning Centre is for informational purposes only and does NOT constitute insurance, legal, financial or other advice, and should not be relied on as such. If you require such advice, you should speak with a qualified professional to assist you.

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Did you know… that travel medical insurance is tax deductible?

• 8 January 2024
• Catégorie: Advice from our experts , Tour+Med news

Get a tax credit for medical expenses

That’s right: the premium paid for your travel medical insurance is part of your medical expenses and can give you a tax credit. Travel insurance premiums of “non-medical” protections, such as trip cancellation and interruption insurance, or baggage insurance, are not tax deductible however.

Get your documents from the Tour+Med Client Portal

To calculate this in your medical expenses, you must have proper documentation. At Tour+Med, we stopped providing a document entitled “tax receipt” since it was an additional page in an already voluminous document, but mostly because all the necessary information can be found on page 1 of your Travel Insurance Confirmation . You will see a note to that effect beneath the Medical Premium Calculation chart :

What if your policy was modified after purchase?

By experience, we know a travel insurance policy can be modified many times, due to a change in your medication or to your trip dates, for example. The premium you finally paid could differ from the one presented on your Travel Insurance Confirmation . If that’s your case, you’re invited to use the Client Portal to download the receipt showing the official premium paid for your policy, after modifications.

How to get it:

• Connect to the client portal .
• Click on RECEIPTS on the home page.
• Select the applicable policy number from the dropdown menu to see the receipt. You can dowload it or print it.

You may also get it this way:

• Click on MY POLICY.
• Click on View my confirmation .
• Select the applicable travel medical insurance policy from the dropdown menu.
• Click on Tax receipt at the bottom of the page, beneath Downloadable ressources .

For any question, feel free to speak with your broker or to contact Customer Service.

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How to claim CRA medical travel expenses for 2023

The costs involved with traveling to receive medical attention can be significant when you factor in accommodation, meals, and related expenses.

Find out how to claim your CRA medical travel expenses.

IMPORTANT: All claims related to Medical Travel require documentation provided by the practitioner confirming your attendance (whether this be a receipt for services, or a letter signed by your service provider).

Claiming Mileage

There are two ways to claim transportation costs as a CRA travel medical expense but you have to travel at least 40 kilometers one way to obtain medical service that were not available locally.

Example: for trips to and from the hospital, clinic, or doctor’s office.

Record the distance of travel, calculate your mileage according to the province in which you reside. (2021 rates):

Example: 55¢ x 160km = $88.00; you may claim $88.00 as an eligible medical expense.

Vehicle expenses may be claimed as CRA medical travel expenses by submitting gas receipts for the date(s) of travel/service.

Claiming Meals, Accommodations and Parking

In addition to the transportation costs above, you may claim reasonable expenses during your trip for medical attention provided that you had to travel more than 80 kilometers to attend your appointment. The travel costs of one accompanying individual are also allowable, if it is deemed necessary to have a companion.

Meals can be claimed one of two ways: 1. Meal receipts can be submitted for reasonable costs for the patient and one attendant (alcoholic beverages will not be reimbursed) OR 2. A flat rate of $23 per meal may be claimed for the patient and one attendant up to a maximum of $69 per day per person.

Accommodations

Receipts must be enclosed for any reasonable accommodation fees that are being claimed (ie: hotel receipt). Coverage applies to the accommodations ONLY; telephone, movie charges and the like are not eligible for reimbursement.

Receipts must be enclosed for any parking lot fees incurred. Please refer to the CRA medical travel expenses website for further details

A farmer lives in rural Alberta. There is not much in the way of medical services, vision care, or therapeutic care, such as physiotherapy, available in this small town.  Consequently, most treatment modalities require travelling to a center that has the appropriate medical facilities. The closest center is 44 kilometers from their home.

On a recent trip, they had chiropractic services performed and managed to visit the dentist for a check-up and teeth cleaning.  They were eligible to be reimbursed for the cost of the travel between their home and where the services took place.

In Alberta, that amounts to 53 cents a kilometer – so they were also able to claim $46.64 for travel expenses (there and back).  An alternative is to submit gas receipts for the dates of travel service.

On occasion, the same farmer requires a medical service that was only available on a timely basis in a major medical facility in the USA. This service was available in Canada but the wait time was over six months and the inconvenience to our customer as a result of their condition necessitated a faster remedy. They chose the US destination for the service.

As the travel distance now exceeded 80 Kilometers, in addition to the travel costs (economy class air fare), our customer can claim reimbursement for meals, accommodations, parking as well as the costs associated with a companion travelling with the patient if deemed necessary. An eligible travel expense claim of this magnitude represents a significant savings. 

How to write off 100% your medical expenses

Are you an incorporated business owner with no arm's length employees? Learn how to use a Health Spending Account to pay for your medical expenses through your corporation:

Do you own a corporation with arm's length employees? Discover a tax deductible health and dental plan that has no premiums:

Write off 100% of your medical expenses

Are you an incorporated business owner with no employees? Learn how to use a Health Spending Account to pay for your medical expenses through your corporation: 

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The tax deadline is in:

Medical expenses you don’t want to forget to claim in 2022.

February 7, 2022.

Medical expenses are one of the most (if not the most) overlooked non-refundable tax deductions. Most Canadians know that they can claim some of their medical expenses, but many are unsure of what and how much they can claim.

In this article, we’ll go over what medical expenses are tax deductible, common expenses you can claim, and who you can claim medical expenses for.

To jump ahead in this article, click on the section that you need:

What counts as a medical expense?

Common medical expenses.

Commonly missed medical expenses..

Who can you claim medical expenses for?

What counts as medical expenses for tax purposes?

When it comes to medical expenses you can claim, we understand this can be a confusing area. You can claim eligible medical expenses on your return if the expenses were:

• Paid by you or your spouse (common-law partners included).
• Paid in any 12-month period ending in 2021.
• Not claimed by you or by anyone else in 2020.

You can also claim all amounts paid, even if they weren’t paid in Canada. You can claim medical expenses for any 12-month period ending in 2021 and that you haven't already claimed in 2020. For example, for the 2021 tax year, you could claim expenses paid in 2020 and in 2021.

You can claim all or a portion of the medical expenses for which you’ve not been or will not be reimbursed . For example, let's say your health insurance plan reimbursed you for 80% of your medical expenses, you can only claim the remaining 20% on your return.

This brings us to the next question: what are eligible medical expenses? We’ll break this section down into two parts:

• Common medical expenses
• Commonly missed medical expenses

It’s important to make sure your expense is eligible in your province or territory. The Canada Revenue Agency (CRA) does admit that its list isn’t exhaustive.

To search a medical expense by name, or to see if you require a prescription, you can check out the CRA Medical Expense Chart .

Some common medical expenses can include:

• Prescription medication and drugs, although this doesn’t include over-the-counter medication.
• Amounts charged by medical practitioners (although the types of medical practitioners that qualify will vary depending on your province or territory, so double check on the CRA website ).
• Bathroom aids (grab bars, grips, and rails).
• Hearing aids.
• Hospital care.
• Travel expenses to receive medical care outside your community if you travel more than 40 kilometres and the medical services are not available where you live.
• Insulin, needles, syringes to treat diabetes.
• Contact lenses, including equipment and materials for using contacts.
• Private health insurance premiums for medical care coverage.
• Medical Cannabis (the amounts paid for cannabis, cannabis oil, cannabis plant seeds, or cannabis products) if registered with a licensed supplier.
• Service animal costs which can include including food and veterinarian care.
• Ambulance service to or from a public or licensed private hospital.

It’s worth noting that you’ll need to hold on to your receipts when you claim these costs. If you file a paper return, you’ll have to attach your receipts. But it’s also good practice to save all your receipts if you file electronically in case the CRA requests them at a later date.

Now, we get that understanding which medical expenses are eligible in the eyes of the CRA isn’t easy. Some medical expenses that improve the life of someone living with a medical condition can qualify as a valid expense for tax purposes. But bear in mind that some of these might require a doctor’s prescription.

Such expenses can include:

• Birth control pills prescribed by a doctor.
• Renovation or construction costs to help with access or greater mobility within one’s home, but certain conditions apply.
• Cosmetic and plastic surgery that is reconstructive or medical in nature (for example, artificial teeth, nose reconstructive surgery if resulting from an accident or disfiguring disease).
• Appliances like a furnace or air conditioner where it is prescribed because of a severe chronic respiratory ailment or immune system disorder.
• Gluten-free products for those with celiac disease.
• Tutoring for children with disabilities.
• Prescription sunglasses.

The same rules about holding on to your receipts would apply here too. So, unless you’re filing a paper return (in which you would have to attach all your receipts), hold on to any receipt in case the CRA requests to review them.

Who can I claim medical expenses for?

You can claim medical expenses for:

• Your spouse or common-law partner or
• Your or your spouse’s children under the age of 18
• Other relatives who depend on you for support (such as your or your spouse’s child or grandchild over 18, parent, grandparent, brother, sister, uncle, aunt, niece, or nephew) – these are claimed under the dependant’s section in H&R Block’s tax software. Refer to our online Help Centre article for more information on claiming medical expenses for other dependants.

Still have a few more questions about how to claim medical expenses, or who should claim medical expenses and more? Check out our Help Article on medical expenses for more details!

Still have a couple of questions about medical expenses or feeling ready to file your return? H&R Block is here to help you get the most out of your return in whichever way is most comfortable for you. Choose from one of four convenient ways to file: File in an Office , Drop-off at an Office , Remote Tax Expert , or Do It Yourself Tax Software .

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Deducting Premiums Paid for a Private Health Insurance Plan 

While the Medical Expense Tax Credit can significantly reduce your taxes, it is not always obvious which medical expenses are eligible. Payments of premiums for private health service plans may qualify if they meet certain criteria, while others are excluded. It is important to know if any of your payments are eligible towards this credit.

Payments of Premiums for Private Health Services Plans

As a rule, premiums that are paid to private health services plans  including medical, dental and hospitalization plans are considered to be eligible medical expenses by the Canada Revenue Agency. Furthermore, any premium, contribution or other consideration — including sales and premium taxes — that you pay to a private health services plan for yourself, your spouse or your minor children, is an eligible medical expense.

However, the plan you make the payments to must qualify as an eligible private health services plan. When changes were made a few years back, the CRA adopted a less restrictive position regarding which plans are considered eligible. They now consider a plan to be eligible as long as all or substantially all of the premiums paid under the plan relate to  medical expenses  that are themselves eligible for the Medical Expense Tax Credit. The plan must also be an insurance plan, instead of another form of contract. To be considered as substantial, the CRA refers to approximately 90 percent or more.

Previously, the CRA’s position was that 100 percent of the premiums had to be paid to be considered as eligible medical expenses. The rule now means that plans that offer some non-eligible benefits can still be considered eligible, if these benefits are less than 10 percent of the total benefits.

To determine if your plan qualifies for the Medical Expense Tax Credit, you will need to analyze the coverage it provides you with and compare it to the list of  eligible medical expenses  from the CRA.

Plans that are paid by an employer and most mandatory provincial health plans are not eligible to be claimed as health expenses.

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Reporting Payments on Your Tax Returns

To claim the payments of your health plan premium, include them with your other eligible medical expenses and claim the credit on line 33099 of your return.

If you are paying premiums under a plan managed by your employer, you will find the exact amount paid on your T4 Statement of Remuneration slip in Box 85 of the “other information” section. If you do not have the information on a T4 slip, keep your receipts to be able to prove the amounts you paid in the event of a CRA audit.

If you have retired or left a job where your employer still pays for your health plan premiums, you will receive a T4A Statement of Pension, Retirement, Annuity and Other Income slip with the amount shown in Box 135.

TurboTax  has been serving Canadians since 1993. It is the #1 selling tax preparation software across the country. We have a variety of product options to serve every individual’s needs. Recently added a  LIVE  service to enable our customers to have access to tax experts at the tip of your fingers. Go ahead and give it a try! Easy to use with a choice of  support  options to assist you with all your taxation needs.

References & Resources

• CRA:  Medical Expense Tax Credit
• CRA:  New Position on Private Health Services Plans

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Track mileage automatically

Medical travel in canada, in this article, cra rules on medical travel, medical travel if you travel more than 40 kilometres, medical travel over 80 kilometres in canada and abroad, cra medical travel rates 2023, medical travel rates 2022.

If you need to receive medical care, you may be able to deduct medical travel expenses for your medical mileage. The deductions can represent a big chunk of savings that you can claim at tax time. Here’s an overview of the rules for claiming medical travel from the CRA.

Firstly, you will need proof that you attended the medical service you needed. You can provide receipts for the services you’ve received or a document or letter signed by the provider of the medical service.

You cannot claim medical travel expenses if you travelled less than 40 kilometres in one direction to receive medical attention.

If you travelled more than 40, but less than 80 kilometres one way, you will be able to claim medical travel, and if you travelled more than 80 kilometres, you will be able to claim mileage, as well as accommodation, meal and parking costs.

You will also be able to claim travel expenses if you had to receive medical care outside of Canada.

If a medical practitioner certifies that you needed to be accompanied to receive medical attention, you will be able to claim the expenses of the attendant.

You will only be able to claim medical expenses for which you have not, and will not be reimbursed. If medical reimbursement has been included in your income (ergo, it will be taxed) you will be able to claim your medical travel expenses.

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You will be able to claim medical travel from the CRA such as bus, train and taxi fares, and vehicle mileage (if public transportation is not readily available) if you meet the following conditions:

• You were not able to receive the needed medical care near your home
• You took a reasonable and direct route
• It was reasonable for you to travel to a farther destination in order to receive medical attention.

You can claim medical mileage from the CRA by the detailed or simplified method.

If you use the detailed method, you need to keep all receipts of your medical travel expenses in order to claim them. You are able to deduct all qualified public transport fares, and if you travel with your vehicle - all costs of operating and owning it. These include fuel, oil, insurance, maintenance, depreciation and more.

With the simplified method, you will be able to claim a flat medical mileage rate and you won’t need to keep detailed records. However, the CRA may still ask you to provide documentation to support your medical mileage claim, so we recommend keeping a logbook of your medical travel.

If you need to travel more than 80 kilometres in order to receive medical care, you will be able to claim medical expenses such as bus, train and taxi fares, vehicle mileage (if public transportation is not readily available), meals, parking and accommodation if you meet the following conditions:

Again, you can claim medical travel and other expenses by the detailed or simplified method.

The detailed method of claiming medical travel and other expenses requires you to keep all receipts of your accrued expenses, such as for travel, parking (if applicable), meals and accommodation.

The simplified method lets you use a medical mileage rate and a per-meal rate for your expenses. Keep receipts of your accommodation costs, as there are no flat rates. While you don’t need to keep detailed receipts for medical travel and meals, the CRA may ask for documentation to support your mileage expenses claim.

If you claim medical travel with the flat per-kilometre medical rate, note that there are different rates for each Canadian territory.

Use the medical travel rates above to claim your medical travel expenses for 2023.

Are you claiming work-related mileage besides medical travel expenses? See our CRA mileage guide for all the rules on mileage reimbursement and deductions in Canada.

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Reduce the Cost of Your Travel Medical Insurance by Claiming a Tax Credit!

Written by Gavin Prout

After you’ve added up your earnings and deductions and calculated your taxable income at tax time, don’t forget that your travel medical insurance costs may help you further reduce your taxes.

Travel insurance is a necessary safeguard when you are out of province or out of the country, but it can be expensive. Costs for insurance increases based on the number of days you are away, your age and your health conditions. That’s why its important to retain your travel insurance premium receipt to see if you qualify for a tax credit based on the money you have spent on your coverage.

What is the Eligible Medical Expense Tax Credit for travel insurance?

The medical expense tax credit is a tax credit that you can claim when filing your income tax and benefit return every year. The Canadian government provides various tax credits that can be used to reduce the tax you pay on your taxable income, like the Basic Personal Amount every Canadian is entitled to claim, or donations credits or the caregiver credit.

When it comes to your travel insurance costs, you may be eligible to claim some of the cost of your premium by claiming it for a CRA Medical Expense Tax Credit on your income tax return.

Only the portion of the premium you pay for travel medical insurance is eligible to be claimed. Other travel insurance premium costs like trip cancellation/interruption insurance and baggage insurance are not eligible for Medical Expense Tax Credits. Keep this in mind when you are using your receipt for any all-inclusive travel coverage you purchased. You’ll need to prove what portion of the cost was eligible.

In order to qualify to make a claim, your medical expenses must exceed a minimum eligible dollar value threshold set by the government each year and, while you won’t get back the full amount of your travel health insurance costs, if you qualify you will recoup a percentage of them. Talk to an accountant or tax professional to understand everything about making your claim.

What other insurance costs can I claim as a medical expense?

If you do have medical expenses while you are out of province or country, you may be able to claim them as long as you were not reimbursed for those expenses under an insurance plan or through government coverage.

Here are some examples of other eligible medical expenses:

• Expenses for care in a facility such as a nursing home for yourself, your spouse, common-law partner, or dependent
• Some care and treatment expenses such as cancer treatments, eye surgery, therapy, organ transplant
• Construction or renovation costs to adapt your home for medical reasons and mobility impairment issues, like installing ramps and increasing passageways or costs to modify your vehicle
• Costs for medical equipment and devices such as phototherapy equipment, bathroom grab bars and seats, large print on-screen devices, baby breathing monitors, and more. To claim, you will need a prescription to be eligible for the tax credit.

Most individual health insurance premiums paid may also qualify as a credit

According to the Canada Revenue Agency (CRA), as a rule the premium you pay for a private health services plan that covers yourself, your spouse or common-law partner, or your minor children — including the premium and applicable taxes — is an eligible medical expense you can claim at tax filing time.

To qualify as a private health services plan, the coverage must relate to medical, dental and hospitalization expenses eligible for the Medical Expense Tax Credit and can offer limited coverage for some non-eligible benefits.

For out-of-pocket amounts that exceed your insurance coverage maximums you can use the CRA’s list of eligible expenses, for items such as:

• Dental visits (but not for cosmetic dental reasons)
• Elastic support hose or orthopaedic shoes (prescription needed)
• Hearing or speaking aids
• Injection pens and insulin
• Mobility aids like a lift, scooter, or crutches

Remember, you cannot claim any premiums you pay for your provincial health insurance plan or any premiums your employer pays for your health insurance.

Insurance can take credit for saving you money

While the full amount of your travel medical insurance premiums or health insurance premiums may not be eligible to claim on your tax return, they will always be delivering protection that can save you from significant out-of-pocket costs. Whether you file with pen and paper or submit online, using your allowable travel and health insurance premium deductions is just one more reason having your insurance in place is smart for your bottom-line. Don’t have your travel or health insurance in place yet? Call us today or go online . We’re ready to help.

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Clients' testimonials.

We have always appreciated the services we have received from Green Shield and your personal help has been amazing. Thank you so much for all you have done to help our family over the last year of transition.

Whether it’s travel insurance, individual health and dental insurance plans, or any of the other products in their portfolio, I know that I can vest my trust and confidence in SBIS, because our clients will be well served and protected. SBIS has been and continues to be, a great partner to work with.

You have made my day! I don’t think I have ever received such good service from any company before. Thank you so much for sending those reports to me. I plan to submit the info to the government and maybe get a little refund. Every penny counts.

You have been a great in assisting us with this application, I would like to send along my compliments to you. Please pass along this message to your management team.  It certainly is nice to be able to talk directly to a person especially a person as nice as you.

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If you have any questions, would like more information or need assistance selecting a plan, please do not hesitate to call us.

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Monday to Friday 8:45 a.m. – 4:45 p.m. Eastern Time

Phone: 1-800-667-0429 or 416-601-0429

Head Office: Special Benefits Insurance Services 20 Toronto Street, Suite 860, Toronto, ON, M5C 2B8

North East Branch: Special Benefits Insurance Services 3091 Chandler Dr, Port Perry, ON, L9L 1B6

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Southern Cross Travel Insurance

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.

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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.

How to File a Travel Insurance Claim

W hen it comes to travel, there are generally two types of people: people who cannot travel as it is too expensive and those who budget $4,000 per year for vacations, according to Forbes. Travel is costly, so people often purchase travel insurance to safeguard their financial investment from unforeseen events like illnesses, luggage delays, personal emergencies, and more.

When policyholders pay honest money for an insurance policy to offer protection, they want to be able to reap the benefits of the travel insurance claim. If your travel insurance company has denied payment, our tips on how to properly file a travel insurance claim may be helpful.

Why Buy Travelers Insurance?

Travel is generally less stressful with vacation insurance — it is packaged as a wise investment that can protect you against financial losses due to unexpected events. For instance, the U.S. State Department highly recommends international travel trip insurance as Medicare and Medicaid often do not cover overseas medical costs.

The travel insurance premium is relatively small compared to the non-refundable trip costs you could lose in a bad situation. It is particularly worth it if your trip involves non-refundable costs, international travel, or travel to a remote area with limited healthcare facilities or regions prone to natural disasters.

Some of the primary reasons people buy trip insurance are to help offset:

• Emergency medical services and treatment
• Cancellations due to a sudden illness or serious health condition
• Emergency evacuation
• Loss of a friend or family member
• Compromised destinations
• Delayed or lost luggage
• Trip interruption or cancellation

What Is Not Covered By Travel Insurance?

The best insurance policies cover basic and common travel risks and bundle different coverage types related to trip cancellation, medical issues, luggage or trip delays, and more. Travel insurance is not meant to cover all foreseeable events, and every policy will address exclusions differently. Examples of potential limitations are:

• Tropical storms, hurricanes, and other dangerous weather conditions
• Certain medical issues
• Acts of war
• High-risk behavior involving drugs, unlawful acts, or riots
• Government-imposed restrictions

Travel insurance claims submitted without proper documentation or cancellation for reasons not covered by your travel policy are surefire ways to prevent coverage and reimbursement. This is why it is helpful to understand travel insurance coverage properly and take appropriate actions before assuming foul play.

Can You Cancel Travel Insurance and Get a Refund?

Most travel insurance carriers allow refunds, depending on when a policy is canceled and if there is a money-back guarantee. Most insurers ask that the policy be revoked during the review period outlined in the contract terms to qualify for a complete travel insurance refund. If the review period has passed, then policyholders might be eligible for a partial refund or not qualify for one at all.

What To Do if a Travel Insurance Claim Is Denied

If your travel insurance claim submitted for medical reasons, delays, cancellations, or any other reason was denied by your insurer, then remember that you have options. Both denials and rejections may happen for valid as well as unethical reasons. An insurance claim denial is not the end of the road; you can dig deeper to figure out whether you can still be reimbursed under your insurance.

Travel insurance claims are routinely denied when policyholders make common mistakes in their claim forms, or they mistakenly assume their policy covers their specific situation. Good faith denials happen when policyholders do not fill out their travel insurance claim form correctly, do not submit the right documents, or do not include info like contact details for follow-up questions.

In some cases, travel insurance companies may wrongly deny claims and stall the claims process. For instance, they might fail to investigate the claim or conduct proper due diligence. In such scenarios, it is advisable that policyholders adjust and resubmit their insurance claim, appeal the denial, or pursue legal action if insurers continue to illegally hold their payout.

How To Appeal a Travel Insurance Claim: 4 Steps

The travel insurance claim appeal process allows policyholders to ask the insurer to reconsider its decision. When appealing their travel insurance claim, policyholders must:

• Carefully Review the Denial Letter: Review the specific reasons for the denial to determine your next steps. Cross-check the reasons stated with your policy documents, additional emails, and other papers.
• Review Your Policy: Review the terms of your travel insurance policy and pay attention to disclaimers, damage limits, filing time limits, and submission requirements.
• Reach Out for Assistance: After carefully reviewing your policy, if you find the denial letter and policy terms do not line up, contact an insurance legal expert with experience in handling travel insurance claims for help.
• Gather Documentation and Keep Careful Records: Maintain communication records with your insurer, copies of denial letters, and other documentation regarding your claim.

How To Write a Travel Insurance Claim Letter

Sometimes, travelers have to file a trip insurance claim when their vacation does not go according to the plan. A travel insurance claim letter is a formal piece of communication between you and your insurance agency. Its purpose is to ask for reimbursement for covered damages or losses under the travel insurance policy. Therefore, it is important to craft a professional and detailed claim letter to increase your chances of a favorable resolution.

A claim letter should include the following information:

• Introduce Yourself. Include all relevant information of the person appealing (such as the policy number and contact information).
• Address the Denial. Summarize the date you received the letter and why the denial was made. Do not leave out any important details.
• Point Out the Error. Explain why you do not agree with the claims denial, based on your policy and pertinent information.
• Attach Extra Documents. Include all other documents supporting your trip insurance claim, such as photos, additional correspondence, transcripts of phone calls, etc.

How Long Does It Take To Get Reimbursed From Insurance?

Travel insurance companies generally process most claims within a few weeks. Sometimes, the insurance claims process office might have follow-up questions, thereby increasing the time you can expect to hear back. However, if you feel that your insurance claim is taking months to resolve without a proper reason, you should speak to an experienced insurance dispute lawyer. While every situation is different, policyholders should always keep careful and consistent notes as it will help them take informed legal action if necessary.

Travel Insurance Claims Advice on Documentation

You must be thorough with your documentation to enhance your chance of successful recovery. When you file a trip claim, your insurer will more likely refund travel insurance when you include the following information in your claim submission:

• Lost Luggage: Make a list of what was lost, along with the details and cost of each lost item.
• Job Loss: Request that your previous employer send you a notarized letter on company letterhead in the case of a trip cancellation due to job loss.
• Medical Emergency: Include detailed medical records in your claim if a health emergency kept you from traveling.
• Canceled/Delayed Flight: If you could not attend your trip because the flight was canceled or delayed, provide proof such as an email that relays the reasons (mechanical issues, weather, etc.).
• Receipts for Delayed Flights: You might want to keep receipts for necessary expenses incurred due to delays, like hotel stays, transportation costs, meals, and personal necessities.
• Police Reports: These reports can help substantiate claims made for stolen items or car troubles.
• Other Reports: You may include tickets for unused flights or excursions in your insurance claim.

Has a Formal Complaint Been Filed Against the Travel Supplier?

Formal complaints against travel suppliers are helpful in legal cases dealing with similar situations. The Van Rossem v. Penney Travel Service (April 15, 1985) case exemplifies travel insurance gone wrong.

In this case, a newlywed couple arranged a honeymoon trip with travel agent Penney Travel. The agent used a wholesaler, Lotus Tours, to book the reservation without the couple's knowledge. Lotus Tours abruptly went bankrupt before booking the client's reservation with SANDLES, which remained unpaid. When the case came before the court, the judge noted that "an agent who makes the contract in his own name for an undisclosed principal is liable as a principal." Here, the defendant had failed to disclose the identity of Lotus Tours, and so, it was responsible as the principal. The couple had paid $2,059 in advance. The judge awarded them reimbursement of $1,312, plus costs and disbursements.

In another lawsuit, Touhey v. Trans National Travel , a travel agent did not check to see if the hotel a client had booked was duly constructed. The plaintiff-client was awarded $25,000 in special damages because of the mistake.

What Are Bad Faith Insurance Practices?

Bad faith insurance refers to unethical insurance practices used by an insurer to delay, deny, or lowball policyholders. Examples of bad faith insurance practices include:

• Misrepresenting contract language to prevent a payout
• Failing to disclose policy limitations and exclusions to policyholders
• Making unreasonable demands, like excessive paperwork requests to prove a covered loss

Sometimes, only a seasoned insurance dispute lawyer who regularly deals with contract breaches and bad faith claims can identify honest errors from serious red flags and help a policyholder get paid their due.

How to File a Travel Insurance Claim: A Summary

Travelers usually plan their vacations down to the last detail. Travel insurance is a buffer for unplanned curveballs that can derail even the most meticulous plans, such as medical emergencies or misplaced luggage.

Insurance companies are explicit about what travel mishaps or unexpected events they will or will not cover, which is why it is crucial to understand policy limitations and how to properly file a travel insurance claim.

As a final snapshot, the key steps to filing a travel insurance claim include:

• Reviewing policy terms and exclusions.
• Gathering necessary documentation based on submission requirements.
• Submitting your claim according to the insurer's timing and filing guidelines.
• Filing an appeal if an insurance claim is wrongly denied.
• Consulting an experienced insurance dispute lawyer to assist with an intentionally stalled, denied, or undervalued claim.

Travel insurance claims can become challenging, depending on the situation and response from your insurer. When small bumps in the road become permanent roadblocks, it is helpful to know that qualified travel insurance claims attorneys are available to help frustrated policyholders recover their losses. 

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Meal and vehicle rates used to calculate travel expenses for 2023

The rates for 2024  will be available on our website in 2025 . If you are an employer, go to Automobile and motor vehicle allowances .

Meal and vehicle rates for previous years are also available.

The following applies to the 2023 tax year.

To calculate meal and vehicle expenses, you may choose the detailed or simplified method. Your total travel expenses equal the total of the value of travel assistance provided by your employer and the travel expenses incurred by you. Include any travel expenses paid by your employer.

Detailed method – This method allows you to claim the actual amount that you spent. Keep your receipts in case the CRA asks to see them at a later date.

Simplified method – This method uses a flat rate for meals and vehicle expenses. Although you do not need to keep detailed receipts for actual expenses if you choose to use this method, the CRA may still ask you to provide some documentation to support your claim.

Meal expenses

If you choose the  detailed method  to calculate meal expenses, you must keep your receipts and claim the actual amount that you spent.

If you choose the  simplified method , claim in Canadian or US funds a flat rate of $23 per meal , to a maximum of $69 per day (sales tax included) per person, without receipts. Although you do not need to keep detailed receipts for actual expenses if you choose to use this method, the CRA may still ask you to provide some documentation to support your claim.

Vehicle expenses

If you choose the detailed method to calculate vehicle expenses, you must keep all receipts and records for the vehicle expenses you incurred for moving expenses or for northern residents deductions during the tax year; or during the 12-month period you choose for medical expenses.

Vehicle expenses include:

• operating expenses such as fuel, oil, tires, licence fees, insurance, maintenance, and repairs
• ownership expenses such as depreciation, provincial tax, and finance charges

Keep track of the number of kilometres you drove in that time period, as well as the number of kilometres you drove specifically for the purpose of moving or medical expenses, or for the northern residents deductions. Your claim for vehicle expenses is the percentage of your total vehicle expenses that relate to the kilometres driven for moving or medical expenses, or for northern residents deductions.

For example, if you drove 10,000 km during the year, and half of that was related to your move, you can claim half of the total vehicle expenses on your tax return.

Although you do not need to keep detailed receipts for actual expenses if you choose to use the simplified method , the CRA may still ask you to provide some documentation to support your claim. Keep track of the number of kilometres driven during the tax year for your trips relating to moving expenses and northern residents deductions, or the 12-month period you choose for medical expenses. To determine the amount you can claim for vehicle expenses, multiply the number of kilometres by the cents/km rate from the chart below for the province or territory in which the travel begins.

Table of 2023 kilometre rates for the province or territory

Page details.

Healthcare in Moscow

This guide was written prior to Russia's 2022 invasion of Ukraine and is therefore not reflective of the current situation. Travel to Russia is currently not advisable due to the area's volatile political situation.

Healthcare in Moscow is organised by the Moscow Health Department. While public healthcare facilities are available, most expats seek out private healthcare at international medical centres. Expats are advised to take out private medical insurance if it is not provided to them by their company.

Subsidised healthcare is provided to everyone living in the country, paid for by the state and the mandatory health insurance system. That said, professionals in the state system are likely to speak little to no English. 

There are several private medical centres in Moscow where English is spoken and where the healthcare is on par with expat standards. These clinics are generally very expensive, so it is highly recommended that expats take out private medical insurance to cover medical costs in Moscow. Most insurance coverage plans will also include evacuation cover for emergencies or life-threatening situations. 

Recommended hospitals in Moscow

Alliance medicale.

www.alliancemedicale.ru Address: Kutuzovsky Ave, 1/7

Intermed Center American Clinic

www.en.intac.ru Address:  4 Monetchikovsky Lane, 1/6, Building 3

International Clinic MEDSI

www.medsi.ru Address:  26 Prospekt Mira, Building 6

European Medical Center

www.emcmos.ru Address:   5 Spiridon'yevskiy Pereulok, Building 1

Further reading

►For more on the Russian healthcare system see our Healthcare in Russia page.

Expat Interviews " The standard is high, but health insurance is essential − both international and local cover tend to be adequate and similar for routine things." Read more about Stephen, a British expat, and his  experience living in Moscow . 

Are you an expat living in Moscow?

Expat Arrivals is looking for locals to contribute to this guide, and answer forum questions from others planning their move to Moscow. Please contact us if you'd like to contribute.

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