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What type of insurance do I need for International Experience Canada?

For International Experience Canada , you must have health insurance for the entire time you are in Canada. The health insurance must cover

• medical care;
• hospitalization; and
• repatriation.

We recommend you buy this insurance only after you receive your port of entry (POE) letter. We can’t recommend specific insurance companies or plans, but you can search online for something that meets your needs.

You may be refused entry if you don’t have insurance. If your insurance policy is valid for less time than your expected stay in Canada, you may be issued a work permit that expires at the same time as your insurance.

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For Members

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Travel Insurance & COVID 19

The Government of Canada has issued an official global advisory to avoid non-essential travel (Level 3) outside of the country to limit the spread of Coronavirus (COVID-19). As a result, coverage related to Coronavirus (COVID-19) will be affected:

Travel Medical Insurance For trips that depart on or after March 13, 2020, Coronavirus (COVID-19) related illness will not be covered unless you are fully vaccinated. You can learn more about how Government travel advisories impact coverage in our Travel Insurance FAQs .

Trip Protection Insurance (Cancellations/Interruptions) Effective March 12, 2020, we are considering Coronavirus (COVID-19) to be a known event for individually purchased Trip Protection. Travel insurance is intended to cover losses arising from sudden and unforeseeable circumstances. Any claims resulting from events known to a policyholder at time purchasing the trip are not covered.

Extensions Due to the current COVID-19 (Coronavirus) pandemic and in alignment with our policy terms and conditions, we will not be providing extensions of coverage until further notice.

These conditions will remain in effect until the advisory is lifted or otherwise stated by Pacific Blue Cross.

Learn why members should pack Pacific Blue Cross travel Insurance.

Are you a member? Save an additional 10% .

Get a Quote or call 1-877-PAC- BLUE .

COVID-19 and Our Emergency Medical Plans

COVID-19 Coverage is simple with a Pacific Blue Cross Emergency Medical plan:

Pacific Blue Cross Emergency Medical Plans will cover all travelers regardless of their vaccination status, according to all standard policy terms and conditions.

If you have had a recent COVID diagnosis, positive test, or symptoms, you could still be covered for COVID-19 medical or subsistence expenses while you travel, if you purchase our pre-existing condition waiver.

Simple as that.

Still have questions? See our FAQ below:

We support the Canadian Government’s official position on  travelling vaccinated .

Pacific Blue Cross Travel Medical plans contain $10M in COVID-19 coverage at no additional cost for: All travellers As long as there is no advisory in place Fully vaccinated travellers Anywhere in the world, regardless of advisory level Travellers who have had COVID-19 When it is stable for as little as 7 days before departure as long as they purchase our pre-existing rider

• We support the Canadian Government’s official position on travelling vaccinated .

COVID 19 will be covered on our Emergency Medical plans for all travellers regardless of vaccination status except for:

• Anyone who has had COVID within the 30 days prior to departure; and/or
• An unvaccinated traveler in a region or destination where COVID-19 has a Canadian Government advisory against travel.

Our policy excludes coverage for any “medical condition resulting from an infectious disease or illness for which there is a travel advisory or health warning by a Canadian Government Agency that has been published or broadcast in the media prior to the Effective date of the Covered Person’s policy” unless the Covered Person is Fully Vaccinated as per our contract language.

It depends.  Our Emergency Medical plans have a pre-existing condition clause that may prevent your claim from being paid.  Please make sure that you familiarize yourself with your policy booklet  and understand the exclusions that may apply to you. You may want to consider purchasing our Pre Existing Condition optional benefit for additional peace of mind.

Eligibility of Refund:

• Annual and Daily Emergency Medical plans are 100% refundable if they are cancelled PRIOR to the effective date.
• Annual and Daily Emergency Medical Plans that have started (after the effective date) are non-refundable, even if you did not leave or are no longer planning to travel.
• The unused portion of Annual Emergency Medical plans that have already started is non-refundable, even if your travel plans have changed.
• Plans that include trip cancellation are non-refundable, even if you have not left on your trip.
• We must receive your cancellation request by email to [email protected] prior to the effective date to be eligible for a refund.

Our Simple and Fast Cancellation Process:

• No need to wait on the phone! If your plan is eligible for cancellation, You can cancel your policy by simply sending an email to [email protected]. Please be sure to include your full name and your certificate number.
• We consider your request to be received in our office on the date you send your email, even if we are unable respond to you before the start date. One of our agents will call you back as soon as possible for your credit card details. (For your privacy, we ask that you please do not send credit card information by email.)
• As long as your plan is eligible as above, and your email is sent to us prior to your effective date , you will receive a full refund.
• When travelling internationally, you may be at risk for a number of diseases which are common in other parts of the world. Some countries  may require vaccinations  as part of their entry requirements. You can learn more about Travel Vaccines on our Vaccination page.

Vaccinations are not always appropriate for some Canadians such as children or immunocompromised individuals.  If you are travelling to a country where there is a Government of Canada advisory warning against the outbreak of an infectious disease such as COVID-19, unvaccinated travellers will not be covered for this infectious disease regardless of their personal reasons for not being vaccinated. This only applies if there is an advisory in place, such as a level 3 or 4 risk level.

We recommend you always have appropriate insurance coverage when leaving British Columbia. While COVID-19 insurance may be included in some airline tickets, it’s important to understand the amount of coverage that you will receive and know any limitations or exclusions to the policy. It’s very important to also ensure you have appropriate travel insurance to cover other emergency medical situations that may arise. For example, these policies typically will not cover you for any other illness or injury that might happen on your trip, such as a broken leg or heart attack.

Testing is only included in your plan if it is ordered by a doctor in the course of an eligible emergency treatment.  We do not pay expenses for COVID testing under any other circumstance.

Yes, COVID-19 is treated as any other Illness and would be subject to all eligibility requirements of your plan, including the pre-existing condition clause.

No, this is not covered as it is an expected expense.

You will be covered for eligible subsistence benefits of up to $300 per day to a maximum of $3,000 under your plan.   This would not include costs for your travel companion, they must check with their own insurer .

Yes, you will be covered for eligible subsistence benefits of up to $300 per day to a maximum of $3,000 per policy if a positive COVID test is the cause of a delay in your return home.

COVID-19 and our Trip Protection Plans

For all Trip Protection plans that include trip cancellation or interruption purchased after March 13, 2020, COVID-19 is considered a known event.

Despite this fact, we have added some limited COVID-19 related benefits to all our Trip Protection plans purchased after June 1, 2022, at no additional cost.

Trip Cancellation – we will reimburse all eligible non-refundable, prepaid expenses if, while still in your home province, you, an immediate family member, or a travelling companion contract symptomatic COVID-19, and the symptoms still persist within the 14 days of your intended departure date, and they are serious enough to require you to cancel your trip.

Trip Interruption – after departure, if you or your travelling companion experience a COVID 19 Illness, positive test result, or Quarantine that causes your trip to be interrupted we will pay the following;

• $300 per person per day to a maximum of $6,000 per policy for accommodation, meals, essential phone calls, and transportation by taxi
• $500 per person to a maximum of $2,500 per policy for additional transportation costs including flight change costs, back to your departure point or to your next destination if mid trip.

A Pacific Blue Cross Trip Protection plan can also protect you against all the other situations not related to COVID 19, such as unexpected weather delays or lost baggage.

A Pacific Blue Cross Trip Protection plan is a great way to protect your travels!

Many airlines require you to purchase a certain fare level to receive free cancellation or they may only provide a flight credit or one-time change should you need to cancel or postpone your travel for a covered condition. Trip Protection insurance allows you to recover your pre-paid travel costs no matter the fare level purchased.

No, we only reimburse your eligible non-refundable trip costs if you purchased your plan after June 1, 2022 and are still sick with COVID-19 in the 14 days prior to your intended departure and you must cancel your trip.

No, the COVD-19 Trip Cancellation benefit only applies to symptomatic COVID-19.

Yes, as long as you purchased your plan after June 1, 2022 and she is still symptomatic in the 14 days prior to your intended departure date, your eligible non-refundable trip costs will be considered.

It depends.  Our Trip Cancellation and Interruption plans have a pre-existing condition clause that may prevent your claim from being paid.  Please make sure that you familiarize yourself with your policy booklet  and understand the exclusions that may apply to you. And remember, the COVID-19 cancellation is only eligible for plans purchased after June 1, 2022.

You can purchase Pacific Blue Cross Travel Insurance up to 365 days before you depart for your trip. We also offer the flexibility of refunds on Travel Medical Insurance up to 48 hours before you depart. Trip Protection plans can be purchased at any time, even if your first payment for a trip expense was a number of months ago.

It’s important to check government travel advisories prior to travelling. Public health officials are currently recommending that Canadians avoid non-essential, international travel. Travelling when there is a government advisory before you are fully vaccinated may impact your travel insurance coverage.

Plans that include trip cancellation are not eligible for refunds.  Please refer to your policy booklet under “Refund of Premium” for more details.

Frequently Asked Questions about Travel Insurance

You should be aware that your provincial coverage may not pay for all health care costs you may incur while outside of the province, and the difference can be substantial. For example, B.C. pays $75 (CAD) a day for emergency in-patient hospital care, while the average cost in the U.S. often exceeds $1000 (US) a day, and can be as high as $10,000 (US) a day in intensive care. For this reason, you are strongly advised to purchase additional health insurance from a private insurer before you leave the province, whether you are going to another part of Canada or outside the country. You are advised to purchase additional coverage even if you plan to be away for only a day.

When you purchase Travel Medical insurance for one or two parents, each dependent child 21 years of age or younger who is subsequently added to your travel policy will receive free emergency medical coverage for up to $10,000,000.

If the Covered person needs health care while out of the province, he/she must call Medi-Assist immediately. Within Canada and the USA: 1 888 699–9333. From all other countries: 1 604 419-4487 collect. Please have your travel certificate number and your Care Card number ready.

If you have a Pacific Blue Cross Extended Health Care and/or Dental plan you are eligible to receive a discount of 10% or more off your Travel Insurance premium. Simply enter your extended health or dental policy number and any applicable discounts will be automatically applied to your purchase.

If you have an Extended Health Plan with Pacific Blue Cross, your Travel Plan will be first payer. This protects the lifetime limit on your Extended Health Plan.

If you have additional coverage through a benefits plan outside Pacific Blue Cross, we will coordinate cost-sharing of claims with that plan and provider. This will impact your plan as outlined in your spouse’s policy. However, there will be no impact to your existing Pacific Blue Cross extended health coverage.

You may be able to extend your existing Travel Plan. Extensions must be purchased before your existing Plan expires.

Please contact Pacific Blue Cross – we'll review your Travel Plan to see if it is eligible for an extension.

Phone:   604 419-2200

Toll Free (within North America):   1 877 PAC-BLUE (1 877 722-2583)

E-mail:   [email protected]

Our Government health plan covers a limited amount of expenses that are incurred outside the province. A Travel Plan will pick up costs not covered by our Government health plan.  More information on the limitations of your BC Health Plan (MSP) coverage and why you should have travel insurance for trips within Canada is available on the  BC Ministry of Health website .

An Annual plan provides the best value if you're taking two or more trips per year.

For example, at the 0-34 age group: Two 15-day Single trip plans: $86 One 15-day Annual plan: $52 Total savings with an Annual plan: $34

Plus, with an Annual plan, any additional 15-day trips within the year are covered under the same plan for even more savings.

This should be the average length of time that you typically travel at any given time. Don't worry, you can always add extra days or top-up your coverage if you end up planning a trip that is longer than your selected coverage.

This benefit will provide reimbursement of your travel costs if your trip is cancelled before departure due to a covered risk.

Trip Protection Insurance helps you recover non-refundable, prepaid expenses should an unexpected situation such as these arise:

• An event that leads the Government of Canada to issue a general recommendation not to travel to the region (plan must be purchased prior to the Government’s recommendation)
• Illness that requires a doctor’s attention prior to or hospitalization during your trip
• Adverse weather conditions resulting in cancellations or delays
• Unexpected death in the family
• New pregnancy that would mean the Covered person would be travelling during the 33 rd week or later of their pregnancy
• Jury duty (except for Law enforcement officers)
• Loss of employment (must be employed permanently for at least 1 consecutive year)

Trip Protection Insurance provides coverage when an unexpected situation impacts your travel plans. Deciding not to travel because you no longer want to go or you don’t think it will be safe (unless the Government of Canada has issued a general recommendation not to travel to the region) are not covered reasons. Check your policy’s details for a full explanation of what is covered.

It depends on the illness, its seriousness and its stability. Some illnesses are easily covered. Others require a three or six month stability period, depending on your age. Blue Cross offers the possibility of covering your illness with a medical questionnaire (available for persons aged 61 and over) filled out by your treating physician; Blue Cross’ medical team will then evaluate your condition. If authorized, you can travel worry-free: your chronic illness will also be covered.

A distinction should be made between a statement of health and a medical questionnaire.

A medical questionnaire is an option Blue Cross offers to cover pre-existing conditions for individuals over 61 years of age. You are not obliged to complete this questionnaire, however doing so gives you a definite advantage. In 80% of cases, the questionnaires result in coverage that may otherwise not be granted. Simply have your doctor complete the questionnaire and send it to us. Your health status will then be assessed by the Blue Cross medical director; if your pre-existing condition is stable and does not present an increased risk, it will be covered and you will be able to leave on your trip with true peace of mind.

The statement of health determines what will be covered, what will be excluded and the travel insurance premium. The premium is based on the risks inherent with age, the health condition and trip length.

Yes - Regardless of any existing conditions, we always advise members to still purchase coverage, as it will protect against all other accidents not related to that condition.

Travel insurance policies are designed to provide protection against unexpected emergency medical expenses, trip cancellation or interruption.

Depending on your age and the condition pre-existing medical conditions are covered if they are stable for a certain time period (as specified in your policy) before your policy's effective date.

It is important you review and understand any clauses or definitions in your chosen policy. Each travel insurance policy will uniquely define a pre-existing condition and there are many variations in wording. For example, policies may not cover conditions arising prior to the trip departure date:

• that are unstable
• where symptoms of an illness appeared
• that have been diagnosed or treated
• where medications have been changed

Travel policies will also specify a time frame, based on your age that relates to the evaluation of your pre-existing conditions. This time frame could be as short as 3 months but could be 1 year, 5 years or longer.

Some policies may provide coverage for your pre-existing conditions if you complete a more detailed medical questionnaire.

When purchasing our travel policy, we will evaluate pre-existing conditions for people 60 years and younger based on their health within the previous 3 months prior to the day their coverage begins. For people age 61 and over, we evaluate based on their health within 6 months prior.

Travel insurance policies often have limitations of coverage associated with pregnancy similar to the limitations within the travel industry at large. For this reason it is important you understand these limitations prior to commencing your travel.

In order for you to qualify to purchase travel insurance, you must have a valid Care Card number. Although, you are not required to provide it at time of purchase, we may request it later in order to process your claim.

When applying online, you must pay by using a major credit card.

However, you can mail in an application and enclose a cheque payable to Pacific Blue Cross for the premium. You can also come into our office and apply. Pacific Blue Cross must receive your application and cheque before you depart from BC.

• Out-of-Country and Out-of-Province Coverage and Claims   — Click here to obtain claim forms and instructions for claiming emergency medical expenses.
• Trip Cancellation / Baggage Claim Form   - Use this form to claim for Trip Cancellations or Lost Baggages.
• Visitors to Canada Travel Plan Claim Form   - Use this form if you are claiming against a Visitors to Canada Travel Plan contract

If you wish to appeal a decision about a recent claim, contact our  Call Centre . Often an issue can be resolved by simply providing you with more information about your claim or what is covered by your plan. If one of our customer service representatives is unable to resolve the matter with you, they can escalate your request to a Benefit Review Committee for further review. They will explain how to file your appeal and help you to provide all relevant information regarding your claim.

A request for a refund of premium can be made prior to the Effective date of the policy, A request for a refund of premium can be made prior to the Effective date of the policy, if the insured returns to his/her province or territory of residence prior to the expiry date of the policy, or when a Visitors to Canada or policyholder becomes covered under a provincial or territorial hospital/medical plan. Please fill-in and return the Request for Travel Premium Refund Form to [email protected] . No refund can be given if you are covered under Trip Cancellation, Emergency Return Benefit and / or an Annual insurance plan. Administrative charges may apply.

When travelling internationally, you may be at risk for a number of diseases which are common in other parts of the world. You can learn more about Travel Vaccines on our  Vaccination page . Always remember to perform a Travel Health Check before you go.

Global Affairs collects and reports on health, safety and security across the world, and provides this information on their website for the benefit of travelling Canadians. 

Each country is individually assessed and assigned one of four main risk levels. These may apply to the whole country, or a region within the country.

The first two levels are considered travel advice:

• Exercise normal security precautions – no significant health or security risks are present, and the situation is similar to what you might expect in Canada.
• Exercise a high degree of caution - there might be some health or safety concerns in the country, and monitoring local media is recommended.  This level might be used if there has been some localized crime or violence that a traveller should be aware of so they can do their best to avoid the situation while they are exploring their destination.

The next two levels are official Government of Canada Travel Advisories and are only issued when the safety and security of Canadians is compromised. When advisories are issued, Canadians can expect to be at risk if they choose to travel when an advisory has been called.

• Avoid non-essential travel – there are specific health, safety and/or security concerns that put you at risk. You are strongly advised not to go if your travel can be avoided, unless it is absolutely essential.
• Avoid all travel – there is extreme risk to personal safety and security. You should not travel to this country, territory or region, and you should leave immediately if it is safe for you to do so. Access to healthcare is extremely limited or unavailable.

When a country has been assessed an official advisory, the reason for the advisory will be listed as well.

HOW ADVISORIES IMPACT MEDICAL PLANS:

When this advisory is related to an infectious disease or specific illness, then your policy will not cover you against this infectious disease or specific illness because you have been advised of this risk prior to your travel.   You are still covered for illness or injury related expenses that are not associated with the advisory.

There are two exceptions:

• If the risk level is 3, and you are considered by us to be an essential traveler, then you would be covered for eligible medical expenses related to the reason for the advisory.
• If you are fully vaccinated against the infectious disease or illness that is the cause for the advisory, then you would be covered for eligible medical expenses related to the reason for the advisory.

If the official travel advisory is called while you are already at the destination, then you will be covered for eligible medical expenses related to the reason for the advisory, even if it is risk level 4.

Travelling to a country in which the risk level is 4 is strongly discouraged as your coverage will be extremely limited:

• If the reason for the advisory is related to infectious disease or illness, you will be travelling against the advice of Health Canada’s physicians and your medical claims would not be considered, even if you are fully vaccinated.
• If the reason for the advisory is related to war, terrorism, insurrection, civil unrest, acts of hostility, military, or other similar events, your related injury claims will not be paid.

Claims entirely unrelated to the reasons for a Risk Level 4 advisory may be considered, however are generally limited to accidental injury because travellers are advised that access to infrastructure and services such as healthcare are limited or unavailable.

HOW ADVISORIES IMPACT TRIP PROTECTION PLANS

When the Canadian government issues an official advisory of risk level 3 or 4  to your destination causing you to cancel or interrupt travel, it is considered an unexpected situation and is therefore eligible for Trip Protection benefits. However, your trip must have been purchased PRIOR TO the government issued advisory.

Travel Insurance is intended to protect consumers from sudden and unforeseen events that arise and leave them with out of pocket expenses that they did not expect to incur.

When a Level 3 or 4 advisory is issued by the Government of Canada, they are stating that Canadians can expect to experience health or safety concerns and so should not travel.

For any Trip Cancellation benefits, this means that a trip purchased after a Level 3 or 4 advisory is issued cannot be cancelled for the reason of this advisory. This is an expected event.

For any Interruption/Delay benefits, if you choose to depart on your trip after the Government of Canada has issued a Level 3 or 4 advisory, then all benefits on your plan are invalidated. You are not covered because it is expected that you could experience an issue causing a claim. 

About Regional Advisories

When there are Regional Advisories — some geographic areas of your trip are assigned risk Level 1 and 2, but some parts are 3 or 4 — your benefits will be impacted if your claim occurs in the region assessed at risk level 3 or 4.  All of the same medical and trip protection rules will apply to your travel in that region, as they would  if your whole trip was in that area. It is vital that you understand the risk associated with your entire trip to know how your plan will respond.

When risk levels remain Level 1 or 2, all of your benefits are in force and applied according to the contract. This would include contracting COVID19 during your travel, or being delayed because of quarantine.

This information applies to all of our plans, single trip or annual, stand alone or packaged.

We always recommend that you read your travel policy booklet and check the Government of Canada website prior to any travel, especially when world conditions are changing rapidly.

For any pre-travel trip destination questions such as travel advisory, shots, visas or safety concerns, please contact Medi-Assist who have the most up to date information for your destination.

As always, our customer service representatives are here to help.

Vaccine recommendations for specific diseases will vary.  Individuals should check the Health Canada guidelines to understand if they are an acceptable candidate for immunization. Local Travel Immunization clinics are helpful sources of information. 

Children under the age of 18,   travelling with fully vaccinated parents or guardians   are covered when:

• They have been fully vaccinated according to the recommendations for their age; or
• There is no vaccine available for their age; or
• For children age 12 and under, regardless of vaccination recommendation.

Children of any age who are  travelling alone or with parents or guardians who have not been fully vaccinated  are only covered for COVID-19 or any other infectious disease if they have been fully vaccinated if there is a Government of Canada advisory in place at their destination related to that infectious disease.

If you are fully vaccinated, then the timing of the official advisory doesn’t apply.  You will be covered if it was before or after your purchase or departure.

If you are not vaccinated, you will be covered for an infectious disease if the advisory was called   before you depart .  If you choose to travel while the advisory is in place, you will not be covered for the infectious disease if you are not vaccinated, regardless of your reason.

Choose one of our Travel Insurance plans below to get started

Emergency Medical

Comprehensive, flexible emergency medical care coverage for British Columbians while travelling outside of BC.

Trip Protection

Peace of mind coverage for travel costs related to unexpected cancellations, interruptions and delays.

Visitors to Canada

Emergency health coverage for tourists, workers, new immigrants and students visiting BC.

Call us if an emergency strikes

If you do experience an unexpected emergency while travelling, we are here to help.

During your trip, you can call our   Medi-Assist   service to determine your level of coverage and receive help:

• In Canada or the U.S., call toll-free:   1-888-699-9333
• Outside of Canada or the U.S. or where toll-free is unavailable, please call collect to   1-604-419-4487   and we will pay for the call.

Claims Process

Out-of-Province Emergency Medical Claims  — Four simple steps

Trip Cancellation / Baggage Claim Form — Form for claiming Trip Cancellations or Lost Baggage [pdf]

Visitors to Canada Travel Plan Claim Form — Form for claiming against a Visitors to Canada Travel Plan contract [pdf]

Government Advisory Levels

• Level 1: Exercise normal security precautions.
• Level 2: Exercise a high degree of caution.
• Level 3: Avoid non-essential travel.
• Level 4: Avoid all travel.

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.  

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Travel Insurance

Travel insurance for Canada

Mandy Sleight

Alyce Meserve

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

Heidi Gollub

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

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

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

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

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

Understanding travel insurance for Canada 

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

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

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

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

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

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

Key coverage considerations for travel insurance in Canada 

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

Trip cancellation insurance  

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

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

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

Delays in your Canada trip  

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

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

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

Tackling trip interruption  

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

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

Dealing with lost bags and belongings  

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

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

Making plans for medical bills in Canada

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

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

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

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

Evacuation for serious medical issues   

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

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

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

What is the cost of Canada travel insurance? 

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

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

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

Key benefits of having travel insurance for your Canada trip  

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

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

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

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

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

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

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

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

Other insurance considerations for Canada 

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

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

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

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

Travel insurance for Canada FAQs

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

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

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

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

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

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

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

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

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

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Our best travel insurance for visitors to Canada

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

Travel Insurance to Canada: Tips & Quotes for US Visitors

• Based on our research, our top picks for Canada travel insurance come from Tin Leg, Seven Corners, Generali Global Assistance, Travel Insured International, and IMG . ( skip ahead to view these insurance plans )
• It is a good idea to purchase Canada travel insurance because US private insurance and Medicare will not work in Canada .
• Despite having a robust public health system, there is no free health insurance in Canada for visitors.
• If you are without a travel insurance policy, any medical treatment you receive while in Canada will leave you out of pocket .
• The most basic policy you should acquire is one that covers both travel medical insurance and medical evacuation coverage.
• To help you find the right travel insurance for your trip to Canada, try using an online comparison tool . This way you can get multiple quotes and compare your options easily in one place.

Whether you’re planning to visit Niagara Falls, hike through Banff National Park, or show off your French accent outside of France in Montreal, Canada is an ideal travel destination.

You don’t even need a visa for trips lasting less than 180 days , so it’s also relatively easy to plan a Canadian vacation. That said, it’s important to plan for emergencies.

When travelling to Canada insurance reimburses some of your expenses if you have to cancel your trip for a covered reason. It may also cover losses associated with delays, rental car damage, rental car theft, or problems with your baggage.

To help you plan a hassle-free trip, we researched the requirements for traveling from the United States to Canada. Find out why we recommend comprehensive travel insurance for your trip.

Our top picks for the best canada travel insurance

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

Best for High Medical Coverage

Why We Like It

Editor's take

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

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

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

Read our full review

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

Best Coverage for Pre-Existing Conditions

Seven corners.

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

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

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

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

Best Basic Coverage

Generali global assistance.

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

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

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

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

Best for Medical Evacuation Coverage

Travel insured international.

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

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

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

Best for Travelers Aged 80+

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

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

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

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

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

Do I need a passport to visit Canada?

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

Do I need to be vaccinated to go to Canada?

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

Do Americans need travel insurance in Canada?

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

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

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

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

Hazards in Canada’s national parks

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

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

Wildfire season

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

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

Winter weather

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

Winter sports

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

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

Travel insurance plans are typically divided into two distinct categories:

Medical-based travel insurance

• Comprehensive travel insurance

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

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

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

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

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

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

Comprehensive travel coverage

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

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

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

Optional Add-ons

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

Does US health insurance work in Canada?

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

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

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

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

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

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

Travel Insurance for a trip to Canada can cost as little as around $1 per day for the cheapest, most basic coverage . For more comprehensive plans, you can expect to pay around $8 to $10 per day.

To compare the cost of travel insurance , we got price quotes from a few popular companies.

We used the following details to obtain quotes:

• Destination: Canada
• Age: 35 years old
• Trip length: 7 days
• Trip cost: $2,000
• Date September, 2024

The table below shows quotes for basic travel insurance plans.

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

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

Cost Example Where Travel Insurance Plan Reimburses the Full Trip Cost

When searching for travel insurance, keep in mind that several factors impact how much you’ll pay.

Factors that influence the cost of travel insurance include:

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

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

Shop around and compare

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

Think about additional coverages you may need

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

Adjust your transportation plans

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

Purchase a policy early

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

Do I need travel insurance to visit Canada?

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

Can I use my US health insurance in Canada?

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

Do I need travel health insurance for Canada?

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

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

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

What happens if I get sick in Canada?

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

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

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

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Travel to Canada from the US: Tips, Requirements and Border Crossing Guide

This article helps you learn more about travel insurance, what it covers in Canada and why you might need it.

in under 2 minutes

Nicole Leigh West is an experienced lifestyle journalist and writer for publications including Wanderlust, TripSavvy and Vacations & Travel. Along with roaming the globe and penning fiction novels, Nicole works for World Words as a sub-editor and writer.

Tori Addison is an editor who has worked in the digital marketing industry for over five years. Her experience includes communications and marketing work in the nonprofit, governmental and academic sectors. A journalist by trade, she started her career covering politics and news in New York’s Hudson Valley. Her work included coverage of local and state budgets, federal financial regulations and health care legislation.

It pays to protect yourself against financial loss on a Canadian vacation. Travel insurance for Canada can provide coverage if your travel plans are interrupted, including unexpected cancellations or delays, emergency medical treatment and baggage loss.

We at the MarketWatch Guides Team have researched and ranked the best travel insurance companies to help you plan your next getaway. Read on to learn about the benefits, requirements and costs of travel insurance for a trip to Canada, plus general travel and safety tips.

Compare Canada Travel Insurance Companies

Why trust marketwatch guides.

Our editorial team follows a comprehensive methodology for rating and reviewing travel insurance companies. Advertisers have no effect on our rankings.

Companies Reviewed

Quotes Collected

Rating Factors

Do I Need Travel Insurance for Canada?

There are no requirements for U.S. citizens to have travel insurance coverage as a condition of entry to Canada. However, most Canadian hospitals do not accept U.S. health insurance or Medicare. Travel insurance can help cover unexpected health care costs while traveling to Canada, along with unexpected trip cancellations .

Whether you’re mountain biking in Quebec or enjoying winter sports in Alberta, adventure activities are popular on Canadian vacations. Travel insurance includes emergency medical coverage for injuries or accidents, including up-front medical costs. Some tour companies may require travelers to have medical insurance to participate.

Cancel for Any Reason Coverage

Standard travel insurance includes trip interruption coverage to recoup costs in the case of an unexpected cancellation or delay. But policies limit cancellation coverage to predetermined reasons, such as the death of family members, hospitalization or other emergency circumstances.

With cancel for any reason (CFAR) coverage , canceling a trip is at your discretion. For example, say you booked a flight and hotel to attend an event hosted by a Canadian resident, friend or family member. If the host cancels the event, CFAR coverage allows you to claim compensation for prepaid and nonrefundable costs (like your flight).

Most travel insurance providers offer CFAR coverage as an add-on to your standard policy, and it’s subject to rules that vary by plan. You typically have to purchase CFAR coverage within a set number of days from booking your trip, and claim eligibility may depend on limits such as canceling within 48 hours of your departure date.

Gear Theft Protection

For all-inclusive vacations that include ski resorts in Whistler or wildlife photography journeys in Banff National Park, many travelers choose to bring equipment to Canada. For a Canadian trip, you may wish to take the following gear:

• Professional camera equipment
• Sports equipment including snowboards
• Personal entertainment gadgets

A trip insurance policy with gear theft protection can guard against financial loss if you are traveling with valuables. If items are lost, damaged or stolen during flights or on tours, travel insurance can help you recover the costs. Your specific policy will include predetermined coverage limits, exclusions and deductibles, but you may choose to leave valuable items at home that you deem irreplaceable.

Medical Emergency Insurance and Emergency Medical Evacuation

Canada provides world-class hospitals and top-ranked health care in the event of a medical emergency. However, U.S. government health insurance plans do not pay for hospital costs, medical expenses or prescription drugs for visitors to Canada. But if you have private insurance, you can check with your provider to see if you have coverage while abroad.

Travel insurance or a travel medical plan can provide coverage if you need emergency assistance or have a pre-existing medical condition. Typically, travel insurance for medical emergencies covers a variety of expenses, including:

• Hospital fees
• Operating room charges and anesthesia
• Ambulance rides
• Emergency dental work
• Lab tests and X-rays

Most travel insurance plans include emergency medical evacuation and repatriation if you can’t receive health care locally. This covers the cost of an evacuation to your home country or a major Canadian hospital.

Rental Car Protection

Canada requires and includes fire and third-party liability insurance with all rental vehicles. Liability insurance covers damage or injury to people or property outside the rental car from your effective contract date. It’s also mandatory to have collision and theft insurance.

Optional coverage is available to further reduce your risks while driving in Canada. Depending on the car rental company, you can purchase local car insurance to cover the following:

• Personal effects protection
• Personal accident insurance
• Tire and windshield protection
• Roadside protection

Travel insurance plans offer an additional safeguard you can combine with rental car insurance. While some companies include rental car coverage in comprehensive plans, other providers may offer coverage as a policy add-on. This coverage can help you recover the costs if the rental car is damaged.

Trip Cancellation Insurance

Should you need to cancel your Canadian vacation before departure, trip cancellation insurance offers reimbursement for nonrefundable and prepaid costs. While this helps prevent financial loss, travel insurance policies include limits on eligible reasons to cancel. Most standard policies state the following reasons as applicable:

• Hospitalization, serious injury or illness
• Death of family members or traveling companions
• Domestic or international acts of terrorism
• Severe weather conditions, excluding some natural disasters
• Jury duty or military orders

If you prefer the peace of mind of canceling for any reason, opt for CFAR insurance.

How Much Does Canada Travel Insurance Cost?

What you pay for travel insurance will depend on your age, trip details and coverage needs. Most companies provide single-trip plans, but others offer multi-trip plans to suit more frequent travelers. You can also explore options for cheap travel insurance options if you are on a budget.

Travel insurance quotes will reflect the following details:

• Age and number of travelers in your group
• Destination country and location
• Total trip price

To give you an idea of travel insurance costs , we requested quotes from five leading providers based on a 35-year-old person from Florida traveling to Canada for seven days. The total trip cost is $1,200, including flights and accommodation.

*Note: We collected the above quotes from each company’s website in May 2023. Plans include coverage for trip cancellation, trip interruption, medical emergencies and baggage loss or delay.

How Do I Get Travel Insurance for Canada?

Before shopping for travel insurance products, check if your credit cards (including Visa and Mastercard) offer trip coverage. Your current health insurance may also extend medical coverage abroad, and airlines and hotels typically provide the option to add cancellation coverage when booking.

Otherwise, find the best quote and buy Canada travel insurance after comparing prices between providers. Choose a level of coverage that meets your travel and personal needs. For example, if you are participating in sporting activities in Canada, you may want to include higher medical coverage limits and gear protection.

Canada Safety Tips

In the following sections, we will discuss general travel and safety tips to help you enjoy your vacation to Canada.

Crime and Safety

The Canadian Travel Advisory issued by the U.S. Department of State is at Level 1: Exercise Normal Precautions. Canada ranks among the safest countries in the world, but crime still occurs.

As with travel to any country, basic safety recommendations include locking car doors and storing your valuables in a safe. Remain alert in crowded areas in case of pickpockets targeting tourists. Avoid political or economic protests since such events can be unpredictable.

Day Trips, Tours and Excursions

You can enjoy a range of excursions in Canada, including cycling tours, kayaking, wildlife watching and mountain climbing. If you plan to participate in adventure sports, check that your travel insurance policy covers accidents and injuries. Also, check with your health insurance provider to see if you already have medical coverage abroad.

It’s best to book a tour through authorized and trusted organizations. Ask your travel agent or hotel concierge service for recommendations. Alternatively, you can find information on the official Canadian tourism site .

The government of Canada has removed all COVID-19 restrictions for entry and travel around the country. Check with local authorities in the event of changes to pandemic travel restrictions. Although not required, the U.S. Center for Disease Control and Prevention recommends you remain up-to-date on routine and coronavirus vaccinations before traveling to Canada.

If you are worried about the impacts the coronavirus could have on your travel plans, we recommend a travel insurance policy with COVID-19 coverage .

The Bottom Line: Is Travel Insurance for a Canada Vacation Worth It?

Whether it makes sense to buy travel insurance depends on the terms and conditions of your travel arrangements. If you booked a flight, room, rental or transportation that offers refunds for cancellations, travel insurance might not seem necessary.

However, travel insurance can come with expanded medical protections that prove useful in an emergency, and CFAR insurance may offer you more flexibility if plans change. Shopping around and comparing costs for coverage can help you decide the right type of protection for your trip to the islands.

Frequently Asked Questions About Travel Insurance in Canada

Do airlines have to compensate you for canceled flights to canada.

Generally, airlines will only compensate you for a canceled flight if the airline is at fault. But even then, compensation is subject to a variety of restrictions. Travel insurance with trip cancellation coverage can safeguard you against unnecessary financial loss if your flight is canceled due to a covered reason. You can also purchase CFAR coverage for more flexibility regarding trip cancellations.

Should I have travel insurance for a trip to Canada?

Travel insurance is not a legal requirement to visit Canada. U.S. residents can enter the country with a valid passport. However, Canada does not cover medical expenses for travelers, and you may risk financial loss due to unexpected trip cancellations. Travel insurance can offer a safeguard by providing these types of coverage.

Do all credit cards include travel insurance?

Not all credit cards offer travel insurance. Most travel rewards cards provide some form of travel insurance and therefore may attract higher annual fees. We recommend you check with your credit card company to see if you have any travel benefits.

What does travel insurance cover?

Most basic travel insurance policies cover the necessities, including trip cancellation and interruptions, emergency medical expenses, and baggage loss or delay. More comprehensive plans include higher coverage limits for trip interruption insurance, plus additional coverages like rental car damage, valuables coverage, sporting gear protection and more.

Other Insurance Resources From MarketWatch Guides 

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A ccording to a new study from Blue Cross , Canadians spent an average of $4,200 on their last vacation, and 94 per cent feel the cost of travelling is increasing .

H owever , the 2024 Blue Cross Travel Study also reveals that more Canadians are feeling optimistic about travel and are planning more trips this year.   

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• Understanding travel insurance
• Choosing travel insurance
• Before your trip
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Do Canadians need travel insurance?

One of the single most significant reasons for getting travel insurance is the medical coverage it provides. If you've ever been overseas and required medical aid, you'll know just how worth it travel insurance is. Without it, you are personally responsible for covering any medical expenses  and the cost could be high depending on your circumstances. In addition, the Canadian Government recommends that all Canadian travellers purchase travel insurance, as provincial health insurance plans provide little to no coverage for any illness or injury travellers experience while travelling outside of their home province or territory.

You must also consider purchasing a travel insurance plan that includes coverage for trip cancellation and interruption on the top of your emergency medical coverage. Unforeseen events such as lost luggage, delayed or cancelled flight delays, or having to cancel your trip plan due to a covered reason are common inconveniences that travellers could also face, potentially resulting in financial losses depending on the situation.

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Travel medical insurance

Key takeaways.

• Your usual health insurance may not cover you while you’re travelling.
• Travel medical insurance can help cover medical emergencies while you’re away.
• Travel medical insurance can be purchased as part of your other health coverage.

What is travel medical insurance?

When you travel outside of province or outside of Canada, the  health insurance coverage  you rely on when you’re at home (whether government or individual) may not cover you for accident or illness – and if you are covered, the amount may be much smaller.

This means that if you get hurt or become ill while you’re travelling, you’ll be responsible for any medical bills you incur. This can become very costly, very quickly, and some hospitals may even require upfront payment before they’ll treat you.

That’s where travel medical insurance comes in.

Travel medical insurance is different than trip cancellation insurance, which can cover the cost of your flight or hotel if you have to cancel.

When do you need travel medical insurance?

Anytime you’re leaving your province – even if it’s just for a day trip – you should consider getting travel medical insurance. This is because the second you cross that provincial border, you may no longer have the same coverage as you did at home. This means you need it when:

• You’re travelling outside your home province or territory 
• You’re travelling to the USA 
• You’re travelling internationally 

What do government health plans cover?

Canada has  13 provincial and territorial health plans  that provide basic health coverage to residents. What’s covered by these when you travel will depend on both where you live and where you’re travelling.

Travelling within Canada

In accordance with the  Canada Health Act Opens a new website in a new window  provinces and territories must extend medically necessary hospital and physician coverage to eligible residents when they travel outside that province or territory.

While specific cases may vary, this generally means that you can present an eligible health card when you receive treatment at a hospital or doctor’s office, and costs will be billed directly to your provincial or territorial plan.

This is to prevent Canadians potentially not being able to access medical care due to upfront costs, although in some cases, you may need to pay upfront for services and then claim reimbursement from your home provincial or territorial plan when you return.

Some health services, known as “additional benefits”, are usually not covered outside your home province or territory. Examples include:

• Ground or air ambulance services
• Prescription drug costs
• Dental care

If you’re planning to travel to a different province or territory, check your applicable  Ministry of Health website Opens a new website in a new window  to confirm what is and isn’t covered, and make sure to always carry your health card with you. Even if you’re travelling within the country, you may find it still makes sense to have some additional coverage in place.

Travelling outside of Canada

It is strongly recommended that when travelling outside of Canada, residents  have travel insurance prior to leaving Opens a new website in a new window .

This is because your provincial or territorial health insurance may not cover your medical bills while you’re outside Canada, or only cover a small portion of the total.

The Government never pays for medical bills outside of Canada upfront, meaning you’d need to pay for services at the time of treatment and then claim reimbursement.

Depending on where you’re travelling to and the type of medical assistance you need, this could potentially amount to hundreds if not thousands of dollars.

Travel health insurance can help give you access to medical care in some countries where, if you’re unable to pay upfront, you may be denied treatment.

Whether you’re a frequent flyer, a  snowbird  or planning a special once-in-a-lifetime trip, buying travel insurance can help ensure that should something unexpected happen, you and your loved ones are able to receive the necessary medical treatment.

If you’re part of a Canada Life workplace benefit plan,  sign into your account  or speak to a health and wealth consultant to add travel medical insurance to your existing coverage. If you have personal health and dental coverage such as  Freedom to Choose , learn more about  adding travel insurance to your plan .

What does travel medical insurance cover?

It can vary between plans, but these are usually covered:

• Emergency care, like an injury or a sudden illness like heart attack or appendicitis
• Medical evacuation, either home to Canada or the nearest place with the right level of medical care
• Repatriation if you pass away
• Medical costs up to a maximum amount, which can vary depending on your plan 
• Pre-existing conditions, although pre-travel stability periods may apply

What doesn’t travel medical insurance cover?

Again, it varies but these are pretty standard exclusions:

• Injuries or death caused by high-risk activities, like skydiving or scuba diving
• Routine or elective care
• COVID-19, although some plans – like Canada Life’s Freedom to Choose™ health and dental insurance – may provide coverage 
• Certain destinations, particularly if the government has issued a travel advisory  

How do you get travel medical insurance?

There are a few different ways to get travel insurance:

• Your workplace or group benefits plan
• Your individual health and dental insurance plan, where it may be offered as additional coverage (For example,  Freedom to Choose  health and dental insurance allows you to purchase it as an add-on to your health insurance, often for just a few extra dollars a month)
• A credit card that includes travel insurance coverage
• A company offering single trip travel policies

What kinds of travel insurance can you get?

Annual or multi-trip medical insurance.

This can cover any trips you take over an entire year, and is a great choice for a frequent traveller

Single trip travel medical insurance

This is a plan that you buy for a specific time period, which means you’re only covered for the days on your policy

What's next?

• When you’re planning your next trip, make sure you’re covered for any health emergencies that aren’t covered by your usual insurance.
• If you have or are considering an individual health insurance plan, think about adding travel medical insurance as optional extra coverage.

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Do I need insurance when I travel to a different province?

Canadians are lucky. There are plenty of amazing things to see and do right here in our home country. We don’t need to go far to experience a great vacation, or go on an epic road trip . Not to mention, travel is easier when you don’t need to pass through boarders, clear customs or change over money. However, there is one practice that should still be observed while travelling domestically and that is puchasing travel insurance.

Why you need out of province travel insurance

Some would argue that travel insurance while travelling within Canada is unnecessary, because the   Canada Health Act   states that the Canadian healthcare system "extends coverage for medically necessary hospital and physician services to their eligible residents during temporary absences from the [home] province/territory." And while this is true, there is a significantly long list of medical expenses that are not covered if you travel outside your home province.

Let’s look at Ontario. According to the   Government of Ontario ,   services that are not covered by OHIP in another Canadian province or territory include:

• Services not covered in Ontario (e.g. cosmetic surgery)
• Ambulance services (including transport and paramedic)
• Prescription drugs and other drugs given outside a hospital
• Home-care services
• Fees charged by private hospitals or facilities
• Diagnostic or laboratory services outside of a public hospital
• Long-term care or residential services
• Assistive devices (e.g. prosthetics)

So even though you are only travelling within Canada, there is still a risk of accident or sudden illness that may require additional care. If you are caught in another province without travel insurance and are in need of any of the services listed above, you’ll be paying out of pocket. Which is where travel insurance swoops in to save the day. It is also important to mention that travel insurance helps with more than just medical expenses , including lost/damaged baggage and trip interruption/cancellation.

How to get out of province travel insurance

Once you know you will be taking a trip outside of your home province, contact your insurance broker and ask about travel insurance options. Coverage for those staying within the country tends to be less expensive than those travelling overseas, so you can get a good deal by shopping around .

If you travel frequently, both inside and outside of the country, it may be worth looking into an annual travel insurance plan . While these plans do come at a significantly higher cost, they can save you money in the long run otherwise you would be buying multiple single trip policies throughout the year.

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A Total Solar Eclipse Is Coming. Here’s What You Need to Know.

These are answers to common questions about the April 8 eclipse, and we’re offering you a place to pose more of them.

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By Katrina Miller

On April 8, North America will experience its second total solar eclipse in seven years. The moon will glide over the surface of our sun, casting a shadow over a swath of Earth below. Along this path, the world will turn dark as night.

Skywatchers in Mexico will be the first to see the eclipse on the mainland. From there, the show will slide north, entering the United States through Texas, then proceeding northeast before concluding for most people off the coast of Canada.

Why eclipses happen is simple: the moon comes between us and the sun. But they are also complicated. So if you’ve forgotten all of your eclipse facts, tips and how-to’s since 2017, we’re here to explain it for you.

But before we dive in, there is one thing to know that is more important than anything else: It is never safe to look directly at the sun during an eclipse (except for the few moments when the moon has fully obscured its surface). At all other times, watch the event through protective eye equipment . Read on to learn about how to watch an eclipse safely.

What is a total solar eclipse?

A solar eclipse occurs when the moon orients itself between Earth and the sun, shielding the solar surface from our view.

In cosmic terms, it is unusual that this happens: the moon is about 400 times smaller than the sun, but it is about 400 times closer to us. That means that when these two celestial bodies are aligned, they appear to be the same size in the sky.

What other types of eclipses are there?

Annular solar eclipses occur when the moon is farther from Earth and appears too small to completely shield the sun’s surface. Instead, the outer part of the solar disk remains uncovered — a “ring of fire” in the sky.

Partial solar eclipses happen when Earth, the moon and the sun are imperfectly aligned. The moon only obscures a chunk of the sun. There will be two in 2025.

Earth can also get between the moon and the sun, creating a lunar eclipse. This can be observed once or twice a year .

How dark will it be during the eclipse?

In any given place along the eclipse path , the event will last around two hours or more.

The event will commence with a partial solar eclipse, as the moon takes a small bite out of the sun’s edge, then consumes more and more of its surface. According to NASA , this can last anywhere from 70 to 80 minutes.

The phase of the eclipse where the moon has completely blocked the sun’s surface is called totality. This is the only time the event can be viewed with the naked eye.

The length of totality varies by location. In April, some places will experience this phase for more than four minutes; others, for only one to two minutes.

During totality, the sky will get dark as night and the temperature will drop. Wispy white strings of light from the sun’s outer atmosphere, or corona, will suddenly be visible. Lucky viewers may even spot a thin, reddish-pink circle around the edge of the moon. That’s the chromosphere, an atmospheric layer below the sun’s corona. Its color comes from the presence of hydrogen throughout the layer.

After totality, the sun will slowly peek out from behind the moon again — another partial eclipse that will last the same amount of time as the first one. The moon will recede until the sun is back to normal brightness in our sky.

How can I watch the solar eclipse safely?

In general, avoid looking directly at the sun without special equipment to protect your eyes. Inexpensive options for watching the eclipse include paper solar viewers and glasses. If you are using equipment purchased for a past solar eclipse, make sure to inspect it. Toss anything with scratches or other signs of damage.

According to NASA , it is not safe to look at the sun through any optical device while using paper glasses or viewers. To watch the eclipse through cameras, binoculars or telescopes, buy a special solar filter.

The only time you can view a solar eclipse with the naked eye is during the moments of totality. Once the moon begins to reveal the surface of the sun again, return to watching the event through protective equipment to avoid injury.

What happens if I look at the eclipse without protection?

In general, staring directly at the sun, even for a few seconds, can cause permanent damage to your eyes . This can range from blurry or distorted vision to something even more serious, like blind spots. Because there are no pain receptors in the retina, you won’t feel it while it’s happening.

The same is true during an eclipse — except during the brief moments of totality, when the moon has hidden the face of the sun. At all other times, use protective eye equipment to view the event.

What do I do if I can’t find eclipse glasses?

If it’s too late to get glasses or viewers, there’s always a do-it-yourself option: a pinhole camera to indirectly experience the eclipse. You can create one using cardstock , a cardboard box , a kitchen strainer or even your fingers . These designs project an image of the eclipse onto the ground or some other surface that is safe to look at.

Where are the best places to watch the eclipse?

The total eclipse will sweep across large portions of Mexico, the United States and eastern Canada. For the most dramatic show, it’s best to experience the eclipse along the path of totality , which is where the moon will completely blot out the sun.

The Path of the Eclipse

On April 8, a total solar eclipse will cross North America from Mazatlán, Mexico, to the Newfoundland coast near Gander, Canada. Viewers outside the path of the total eclipse will see a partial eclipse, if the sky is clear .

Percentage of

the sun obscured

during the eclipse

Indianapolis

Little Rock

San Antonio

Viewers near Mazatlán, a beach town on the Pacific shoreline of Mexico, will be the first place to experience totality on North America’s mainland. Various sites in Mexico along the eclipse’s path will experience the longest duration of totality — as long as four minutes and 29 seconds.

Cities across the United States, including Dallas, Indianapolis and Cleveland, will most likely be hot spots for the upcoming eclipse. Other notable locations include Carbondale, Ill., which also saw totality during the solar eclipse in 2017; small towns west of Austin, Texas, which are projected to have some of the best weather in the country along the eclipse path; and Niagara Falls, if the skies are clear. Six provinces of Canada are in the path of totality, but many of them have a very cloudy outlook.

When does the eclipse begin and end?

The show begins at dawn, thousands of miles southwest of the Pacific shore of Mexico. The moon starts to conceal the sun near Mazatlán at 9:51 a.m. local time. Viewers near Mazatlán will experience totality at 11:07 a.m. for four minutes and 20 seconds.

Then the moon’s shadow will swoop through Mexico, crossing over the Texas border at 1:10 p.m. Eastern time. Totality in the United States will start at 2:27 p.m. and end at 3:33 p.m. Eastern time.

Canadians will experience the solar eclipse in the afternoon for nearly three hours. The eclipse concludes beyond Canada’s boundaries when the sun sets over the Atlantic Ocean.

What time is the eclipse in New York, Texas, Illinois, Mexico, Canada and other locations?

If you’d like to look up when the eclipse starts, reaches its peak under totality and then ends, you can visit The Times’s interactive map , which will also give you the weather outlook for April 8 along the event’s path.

Below are the times in selected locations when the eclipse will begin totality.

How long will the eclipse last?

The duration of totality depends on how far a given location on Earth is from the moon. Places with the longest totality are closest to the moon and farther from the sun. The speed of the lunar shadow is slowest over spots with the longest totality.

In April, the longest period of totality will occur over Durango, a state in Mexico, for a total of four minutes and 29 seconds. Along the centerline, the location of shortest totality on land is on the eastern coast of Newfoundland and Labrador in Canada, for about two minutes and 54 seconds. But totality is even shorter along the edges of the total eclipse path; in some places, it lasts less than a minute.

How fast does the eclipse move?

Solar eclipses may seem to happen slowly, but the moon’s shadow is racing across the surface of Earth. Exact speeds vary by location. Eclipse calculators estimate the shadow will move between about 1,560 m.p.h. and 1,600 m.p.h. through Mexico, and more than 3,000 m.p.h. by the time it exits the United States. The eclipse will reach speeds exceeding 6,000 m.p.h. over the Atlantic Ocean.

When was the last total solar eclipse in the United States?

According to the American Astronomical Society , total solar eclipses happen once every year or so, but they can only be viewed along a narrow path on Earth’s surface. Many occur over water or other places that can be difficult to reach. A given location will experience totality once in about 400 years.

But some places get lucky: Carbondale, a college town in southern Illinois, saw the total solar eclipse in the United States on Aug. 21, 2017, and will experience another one this April. San Antonio experienced an annular eclipse last October, and is also in the path of totality for this year’s eclipse.

Do other planets experience solar eclipses?

Yes, any planet in our solar system with a moon can experience a solar eclipse. In February, a Martian rover captured Phobos , one of the red planet’s moons, transiting the sun.

The moons on other planets, though, appear either smaller or larger than the sun in the sky . Only Earth has a moon just the right size and at just the right distance to produce the unique effects of totality.

How will things on Earth change during the eclipse?

As the eclipse approaches its maximum phase, the air will get cooler, the sky will grow dimmer, shadows will sharpen and you might notice images of crescents — tiny projections of the eclipse — within them. Along the path of totality, the world will go dark while the moon inches toward perfect alignment with Earth and the sun.

Animals will also react to the solar eclipse. Bees stop buzzing , birds stop whistling and crickets begin chirping. Some pets may express confusion . Even plants are affected, scientists found after the solar eclipse in 2017 . They have diminished rates of photosynthesis and water loss similar to, though not as extreme as, what happens at night.

What’s the difference between experiencing a solar eclipse at 99 percent compared with a total eclipse?

Patricia Reiff, a physicist at Rice University who has traveled for 25 eclipses and counting, says that if you are in a place where you’d see a 99 percent partial eclipse, it’s worth safely traveling a little farther to experience a total eclipse.

“Ninety-nine percent is cool,” she said, but “totality is oh-my-God crazy.”

Even at 99 percent eclipse, the sky won’t darken — you won’t be able to see stars or planets. Changes in the temperature, wind and shadows won’t be as dramatic. And the moon won’t block out enough light for you to witness the sun’s corona.

What if I can’t get to the path of totality?

Viewers in locations away from the eclipse path will see the moon partially blot out the sun, though how perceptible the effects are depends on the site’s distance from the centerline. (The closer you are, the more remarkable it will be.) Still, it won’t be quite like experiencing the eclipse during totality.

Remember that you should always wear protective eye equipment while watching a partial eclipse.

If you can’t make it to the path of totality but still want to experience it, many organizations are providing live video streams of the eclipse, including NASA and Time and Date . The Exploratorium, a museum in San Francisco, will also offer a sonification of the eclipse and a broadcast in Spanish.

When is the next total solar eclipse?

If you’re willing to travel, the next total solar eclipse is on Aug. 12, 2026. People in parts of Greenland, Iceland, Portugal and Spain will experience the event.

But if you want to see an eclipse in the United States, you’ll have to wait a long time. While a total eclipse will graze parts of Alaska in 2033, the next one to reach the lower 48 states is on Aug. 22, 2044. That event crosses parts of Canada and ends in Montana, North Dakota and South Dakota.

For those willing to wait until 2045, the eclipse of Aug. 12 that year will start in California and travel east, exiting the country in Florida.

What have we learned from solar eclipses?

In the 1800s, a French astronomer discovered the element helium by studying the spectrum of sunlight emitted during an eclipse. These events also allowed the first scientific observations of coronal mass ejections — violent expulsions of plasma from the sun’s corona — which can cause power outages and communication disruptions on Earth. Scientists also confirmed Einstein’s theory of general relativity, which says that massive objects bend the fabric of space-time, during a solar eclipse in 1919.

And there is more to discover. This April, NASA plans to fly instruments on planes to capture images of the solar corona, and launch rockets to study how the drop in sunlight during an eclipse affects Earth’s atmosphere. A radio telescope in California will try to use the moon as a shield to measure emissions from individual sunspots .

The public is joining the fun, too. During the eclipse, a team of ham radio operators will beam signals across the country to study how solar disturbances can affect communications. Some people along the path of totality will record sounds from wildlife . Others will use their phones to snap pictures of the eclipse to help sketch out the shape of the solar disk .

An earlier version of this article referred imprecisely to eclipse on other worlds. Some appear larger than the sun in sky, they are not all partial eclipses.

How we handle corrections

Katrina Miller is a science reporting fellow for The Times. She recently earned her Ph.D. in particle physics from the University of Chicago. More about Katrina Miller

Understanding What Travel Insurance Covers

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• Travel insurance is intended to cover risks and financial losses associated with traveling.
• Coverage can include trip cancellation, baggage protection, medical care, and emergency evacuation.
• When filing a claim, be specific and comprehensive in your documentation to ease the process.

Whether it's a trip across the world or a trip across the state, having travel insurance provides major relief if things go awry. Flight delays, lost baggage, illness, injuries, and other unforeseen events can disrupt even the best-laid plans. With a major disruption comes the potential for unanticipated expenses.

Travel insurance and the coverage it offers can help keep you protected and save you money in the long run.

Overview of Travel Insurance Coverage

Travel insurance policies protect travelers from financial losses should something go wrong during their trip. You can customize which coverages you want to include, and there are several to choose from.

"Common types of coverage include trip cancellation, trip interruption, baggage protection, coverage for medical care if you get sick or hurt during your trip, and emergency medical evacuation," says Angela Borden, a travel insurance expert and product strategist for travel insurance company Seven Corners.

Travel insurance plans offer nonrefundable payments and other trip-related expenses. While monetary compensation is a primary benefit, there is another valuable perk of travel insurance. It can provide peace of mind.

What does travel insurance cover?

Your specific travel insurance plan (and its terms and conditions) will determine the minutia and specifics of what is covered. As with most other forms of insurance, a general rule of thumb is the more you spend, the better your coverage.

"Travel insurance can be confusing, so it's best to research a reputable company that specializes in travel insurance and has a long history of successfully helping travelers all over the world," says Borden.

Trip cancellation and interruptions

A travel insurance policy can reimburse you for a prepaid, nonrefundable trip if it is canceled for a covered event, such as a natural disaster or a global pandemic.

Trip interruption insurance covers you if you're already on your trip and you get sick, there's a natural disaster, or something else happens. Make sure to check with your travel insurance providers to discuss any inclusions, coverage, and more.

Travel delays and missed connections

Travel delay insurance coverage provides reimbursement for any expenses you incur when you experience a delay in transit over a minimum time. Reimbursements can include hotels, airfare, food, and other related expenses.

Medical emergencies and evacuations

Typically, US healthcare plans are not accepted in other countries. So travel insurance with medical coverage can be particularly beneficial when you are abroad. Medical coverage can also help with locating doctors and healthcare facilities.

Medical transportation coverage will also pay for emergency evacuation expenses such as airlifts and medically-equipped flights back to the US. Out of pocket, these expenses can easily amount to tens of thousands of dollars. Certain plans may even transport you to a hospital of choice for care.

Travel insurance generally does not include coverage for pre-existing conditions. That said, you can obtain a pre-existing condition waiver, which we will talk about later.  

Baggage and personal belongings

Most airlines will reimburse travelers for lost or destroyed baggage, but be prepared for limitations. Travel insurance plans will typically cover stolen items, such as those stolen out of a hotel room. This may not include expensive jewelry, antiques, or heirloom items. Typically, airlines have a few days to recover your bag.

In the meantime, you can make a claim to pay for items like certain toiletries and other items you need to pick up. If your bag is truly lost or you don't get it for an extended period, you can file a true lost baggage claim.

What does credit card travel insurance cover?

A major perk on several travel credit cards is embedded credit card travel insurance . Typically, you will need to use the specific card for the transaction (at least with partial payment) for travel coverage to kick in.

Each card has specific rules on what exactly is covered. But one of the industry leaders is the $550-per-year Chase Sapphire Reserve credit card. Here's a snapshot of what is covered with this specific card:

• Baggage delay: up to $100 reimbursed per day for up to five days if a passenger carrier delays your baggage by more than six hours.
• Lost and damaged baggage: up to $3,000 per passenger per trip, but only up to $500 per passenger for jewelry and watches and up to $500 per passenger for cameras and other electronic equipment.
• Trip delay reimbursement: up to $500 per ticket if you're delayed more than six hours or require an overnight stay.
• Trip cancellation and interruption protection: up to $10,000 per person and $20,000 per trip for prepaid, nonrefundable travel expenses.
• Medical evacuation benefit: up to $100,000 for necessary emergency evacuation and transportation when on a trip of five to 60 days and traveling more than 100 miles from home.
• Travel accident insurance: accidental death or dismemberment coverage of up to $100,000 (up to $1,000,000 for common carrier travel).
• Emergency medical and dental benefits: up to $2,500 for medical expenses (subject to a $50 deductible) when on a trip arranged by a travel agency and traveling more than 100 miles from home.
• Rental car coverage: primary coverage for damages caused by theft or collision up to $75,000 on rentals of 31 days or fewer

More protections are included with cards with an annual fee, but there are exceptions. The no-annual-fee Chase Freedom Flex , for instance, includes up to $1,500 per person (and up to $6,000 per trip) in trip cancellation and trip interruption coverage.

However, there are some differences between credit card travel coverage and obtaining coverage from a third party.

"Credit card coverage does not typically provide travel medical benefits," Borden says. "For protection if you get sick or hurt while traveling, you'll want a travel insurance plan with medical coverage."

Whether you get your travel insurance in a standalone policy or through a credit card, it's important to review your plan details carefully. In either case, there may be exclusions and other requirements such as deadlines when filing a claim, Borden notes.

What travel insurance coverage do you need to pay more for?

Knowing what travel insurance doesn't cover is as important as knowing what it does cover.

"Travelers should understand that travel insurance benefits come into play only if a covered reason occurs," Borden says. Most standard travel insurance plans won't reimburse you for the following:

Cancel for any reason (CFAR)

Cancel-for-any-reason travel insurance covers a trip cancellation for any reason, not just a covered event. your standard benefits won't kick in unless it's a covered event. For instance, you'll be reimbursed simply for changing your mind about taking a trip.

That said, CFAR travel insurance is not without its downsides. For one, it's more expensive than traditional insurance, and most CFAR policies will only reimburse you for a percentage of your travel expenses. Additionally, CFAR policies aren't available for annual travel insurance . 

You can find our guide on the best CFAR travel insurance here.

Foreseen weather events

Sudden storms or unforeseen weather events are typically covered by standard travel insurance plans. There are exceptions to be aware of. For example, an anticipated and named hurricane will not be covered.

Medical tourism

If you're going to travel internationally for a medical procedure or doctor's visit, your travel insurance plan will not cover the procedure itself. Most medical travel plans also won't cover you if something goes wrong with your procedure.

Pre-existing conditions and pregnancy

Those with specific pre-existing conditions, such as someone with diabetes and needing more insulin, will not be covered by most plans. In addition, pregnancy-related expenses will likely not be covered under most plans.

That said, you can obtain a pre-existing condition waiver for stable conditions. In order to obtain a wavier, you will need to purchase travel insurance within a certain time frame from when you booked your trip, usually two to three weeks, depending on your policy.

Extreme sports and activities

Accidents occurring while participating in extreme sports like skydiving and paragliding will typically not be covered under most plans. However, many plans offer the ability to upgrade to a higher-priced version with extended coverage.

Navigating claims and assistance

When a trip goes awry, the first thing you should do is document everything and be as specific as possible with documentation. This will make the claims process easier, as you can substantiate and quantify your financial losses due to the delay.

For example, your flight home has been delayed long enough to be covered under your policy, you'll want to keep any receipts from purchases made while waiting. For instances where your luggage is lost, you will need to file a report with local authorities and document all the items you packed.

Cancellation protection also requires meticulous attention to detail. If you're too sick to fly, you may need to see a doctor to prove your eligibility. If an airline cancels a flight, you'll also need to document any refunds you received as travel insurance isn't going to reimburse you for money you've already gotten back. 

Part of the benefit of CFAR insurance is the reduced paperwork necessary to file a claim. You'll still need to document your nonrefundable losses, but you won't have to substantiate why you're canceling a trip.

Choosing the right travel insurance

Each plan should be personalized to meet the insured party's needs. Some travelers prefer to stick to the bare minimum (flight cancellation benefits through the airline). Others want a comprehensive plan with every coverage possible. Before you buy anything, set your destination. Are there any travel restrictions or changes pending? Does your destination country require emergency or other medical coverage?

If the destination airport is known for lost or delayed luggage, travelers should keep important items in carry-ons. Lost or delayed luggage coverage protects insured parties in the event of a significant delay or total loss.

Second, check current credit card travel benefits to avoid redundancies. Savvy travelers don't need to pay for the same coverage twice.

Finally, consider your individual needs. Do you have a chronic medical condition, or do you feel safe with emergency-only medical coverage? Keep in mind, this does not include coverage for cosmetic surgery or other medical tourism. Do you have a budget limit for travel insurance? Asking and answering these important questions will help every traveler find the right product.

Most travel insurance plans are simple, and Business Insider's guide to the best travel insurance companies outlines our top picks. Remember, read your policy and its specifics closely to ensure it includes the items you need coverage for.

No one likes to dwell on how a trip might not go as planned before even leaving. However, at its core, travel insurance provides peace of mind as you go about your trip. While the upfront cost may seem significant, when you compare it to the potential expenses of a canceled flight, emergency evacuation, or a hefty medical bill, it's a small price to pay in the grand scheme of things.

Get Travel Insurance Quotes Online

Protect your trip with the best travel insurance . Compare travel insurance quotes from multiple providers with Squaremouth.

What does travel insurance cover frequently asked questions

Does travel insurance cover trip cancellations due to a pandemic like covid-19.

Coverage for pandemics vary from policy to policy. Some travel insurance companies have specific provisions for pandemic-related cancellations, while others may exclude them entirely.

Are sports injuries covered under travel insurance?

Sports injuries are often covered under travel insurance, but high-risk or adventure sports might require additional coverage or a special policy.

Can travel insurance provide coverage for travel advisories or warnings?

Travel advisories have different effects on your travel insurance depending on your policy. Traveling to a country already under travel advisory may invalidate your coverage, but if you're already traveling when a travel advisory is announced, you may be covered.

How does travel insurance handle emergency medical evacuations?

Travel insurance usually covers the cost of emergency medical evacuations to the nearest suitable medical facility, and sometimes back to your home country, if necessary.

Are lost or stolen passports covered by travel insurance?

Many travel insurance policies provide coverage for the cost of replacing lost or stolen passports during a trip.

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• Nationwide Travel Insurance
• AXA Assistance USA
• Seven Corners Travel Insurance
• HTH Worldwide Travel Insurance
• World Nomads Travel Insurance

Cruise Travel Insurance Tips

• Why You Should Trust Us

Best Cruise Insurance Companies of April 2024

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

A cruise vacation can take much of the stress out of planning a vacation. With a pre-set itinerary on the high seas, you don't have to worry about how you're getting to your destination and what you're going to do there. However, an unexpected emergency can take the wind out of your sails and money out of your travel budget. So you'll want to ensure you have the best travel insurance coverage that won't leave you high and dry in an emergency.

Best Cruise Insurance Companies

• Nationwide Travel Insurance : Best Overall
• AXA Assistance USA : Best for Affordability
• Seven Corners Travel Insurance : Best for Seniors
• HTH Worldwide Travel Insurance : Best for Expensive Trips
• World Nomads Travel Insurance : Best for Exotic Locations

Compare the Top Cruise Insurance Offers

• Trip cancellation coverage of up to 100% of trip costs (for cruises) or up to $30,000 (for single-trip plans)
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Three cruise-specific plans to choose from
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Annual travel insurance plans available
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Strong trip cancellation coverage
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Cancel for any reason coverage available
• con icon Two crossed lines that form an 'X'. CFAR insurance not available with every single plan
• con icon Two crossed lines that form an 'X'. Medical coverage is lower than what some competitors offer

Nationwide Travel Insurance offers many of the standard benefits you might see with a travel insurance policy. This can include things like trip cancellation coverage, so you can recover pre-paid costs or trip interruption in the event your vacation is interrupted by an unexpected event. There's also baggage delay coverage and medical coverage.

• Cancel for any reason coverage available

• Trip cancellation coverage of up to 100% of the trip cost
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous medical evacuation coverage
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Up to $1,500 per person coverage for missed connections on cruises and tours
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Covers loss of ski, sports and golf equipment
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous baggage delay, loss and trip delay coverage ceilings per person
• con icon Two crossed lines that form an 'X'. Cancel for any reason (CFAR) coverage only available for most expensive Platinum plan
• con icon Two crossed lines that form an 'X'. CFAR coverage ceiling only reaches $50,000 maximum despite going up to 75%

AXA Assistance USA keeps travel insurance simple with gold, silver, and platinum plans. Emergency medical and CFAR are a couple of the options you can expect. Read on to learn more about AXA.

• Silver, Gold, and Platinum plans available
• Trip interruption coverage of up to 150% of the trip cost
• Emergency medical coverage of up to $250,000

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Diverse coverage options such as CFAR, optional sports equipment coverage, etc.
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Available in all 50 states
• con icon Two crossed lines that form an 'X'. Prices are higher than many competitors
• con icon Two crossed lines that form an 'X'. Reviews around claims processing are mixed
• Trip cancellation insurance of up to 100% of the trip cost
• Trip interruption insurance of up to 150% of the trip cost
• Cancel for any reason (CFAR) insurance available

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Three plans to choose from
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Reasonable premiums
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. CFAR coverage available with some plans
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. High medical emergency and evacuation coverage
• con icon Two crossed lines that form an 'X'. Special coverages for pets, sports equipment, etc not available
• con icon Two crossed lines that form an 'X'. Limited reviews with complaints about claims not being paid
• Trip cancellation of up to $5,000 with the Economy plan and up to $50,000 with the Preferred plan
• Cancel for any reason insurance and missed connection insurance available with the Preferred plan
• Baggage delay insurance starting after 24 or 12 hours depending on the plan

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

Cruise Insurance Reviews

Best cruise insurance overall: nationwide travel insurance.

Nationwide Travel Insurance  is a long-standing and reputable brand within the insurance marketplace that offers cruise insurance plans with solid coverage and reasonable rates.

It has three cruise insurance options: Universal, Choice, and Luxury. The Nationwide Choice plan, for example, offers $100,000 in emergency medical coverage and $500,000 in emergency medical evacuation coverage.

The right plan for you depends on your budget and coverage needs. But each plan offers cruise-specific coverages like ship-based mechanical breakdowns, coverage for missed prepaid excursions if your cruise itinerary changes, and covered service disruptions aboard the cruise ship.

Read our Nationwide Travel Insurance review here.

Best Cruise Insurance for Affordability: AXA Travel Insurance

AXA Assistance USA  offers three comprehensive coverage plans: Gold, Silver, and Platinum. Each of these plans offers coverage for issues like missed flights, medical emergencies, lost luggage, and more.

The highest-tier Platinum plan provides $250,000 in medical emergency coverage and $1 million in medical evacuation coverage. The baggage loss coverage is $3,000 per person, and their missed connection coverage is $1,500 per person for cruises and tours.

In addition, travelers can take advantage of AXA's concierge service, which provides an extensive network of international service providers. They'll be able to assist you with things like restaurant reservations and referrals, golf course information, and more. This service could come in handy if you're stopping at a variety of unfamiliar destinations during your cruise.

The coverage limits on AXA's policies are on the higher end compared to other providers. And you can buy coverage for a little as 4% of your trip cost depending on your age, travel destination, and state of residence.

Read our AXA Travel Insurance review here.

Best Cruise Insurance for Seniors: Seven Corners Travel Insurance

Seven Corners Travel Insurance lets cruisers enjoy traveling in their golden years with the knowledge they're covered in the event of an accident or emergency. While other providers do offer coverage to those 80+ years old, Seven Corners is known for its affordable premiums while offering above-average medical expenses and medical evacuation coverage limits — two areas of travel insurance coverage that are even more important as we get older.

Seven Corners also offers the option of a preexisting conditions waiver and CFAR insurance at an additional cost, plus "Trip Interruption for Any Reason" coverage, which you won't find on many policies.

You can choose between the Trip Protection Basic or Trip Protection Choice plans, with the higher-tier Choice plan costing more but providing more coverage.

Read our Seven Corners Travel Insurance review here. 

Best Cruise Insurance for Expensive Trips: HTH Worldwide Travel Insurance

HTH Worldwide Travel Insurance  offers three levels of trip protection: TripProtector Economy, Classic, and Preferred. The higher the tier, the more coverage you'll get for things like baggage delays, trip delays & cancellations, and medical expenses. But their premiums remain reasonable even at the highest tier of coverage.

Not only does the HTH Worldwide Trip Protector Preferred plan offer higher-than-average medical emergency and evacuation coverage limits ($500,000 and $1 million, respectively), but you'll also get a baggage loss coverage limit of $2,000 per person and coverage for trip interruption of up to 200% of the trip cost. You also have the option to add CFAR coverage for an additional cost.

Read our HTH Worldwide Travel Insurance review here.

Best Cruise Insurance for Exotic Locations: World Nomads Travel Insurance

World Nomads Travel Insurance  has been a top choice for comprehensive travel insurance for many years now. And it's a great option when it comes to cruise coverage, too.

Even the most basic Standard Plan comes with $100,000 in medical emergency coverage and $300,000 in emergency evacuation coverage. And you'll get higher coverage limits with their Premium Plan. Plus, unlike many other providers, World Nomads trip cancellation and emergency medical coverage include COVID-19-related issues.

What sets World Nomads apart from many other insurance companies is that its policies cover 200+ adventure sports. This can be important for adventurous cruisers who plan to take part in activities like jet skiing, scuba diving, or parasailing during their cruise.

Read our World Nomads Travel Insurance review here.

Introduction to Cruise Insurance

Cruise insurance may offer unique coverage like missed port of call and medical evacuation coverage. You might not need the flight protections of a regular travel insurance plan if you're catching a cruise at a port near you, but medical and cancel for any reason coverage could be critical.

Understanding the Basics of Cruise Insurance

At its core, cruise insurance is your financial lifeboat, designed to protect you from unforeseen events that could disrupt your sea voyage. Whether it's a sudden illness, adverse weather, or other unexpected occurrences, having the right insurance can make a world of difference.

Why Cruise Insurance is Important

Picture this: You're all set for your dream cruise, but a sudden family emergency means you can't set sail. Or worse, you fall ill in the middle of the ocean. Without cruise insurance, you're not just missing out on an adventure, but also facing potentially huge financial losses. That's why securing cruise insurance isn't just recommended; it's a crucial part of your cruise planning.

Types of Cruise Insurance Coverage

Cruise insurance isn't a one-size-fits-all life jacket. There are various types of coverage, each tailored to protect different aspects of your cruise experience.

Trip Cancellation and Interruption Coverage

This coverage is like your safety net, catching you financially if you need to cancel your trip last minute or cut it short due to emergencies, be it due to personal, health-related, or even certain work conflicts.

Medical Coverage

Being on a cruise shouldn't mean being adrift from medical care. Medical coverage ensures that if you fall ill or get injured, your medical expenses won't sink your finances.

Emergency Evacuation Coverage

In the rare case that you need to be evacuated from the ship due to a medical emergency or severe weather, this coverage ensures you're not left adrift in a sea of expenses.

Baggage and Personal Effects Coverage

Imagine reaching your dream destination only to find your luggage lost at sea. This coverage ensures that lost, stolen, or damaged baggage doesn't dampen your cruise experience.

Buying Cruise Insurance

Securing the best cruise insurance isn't just about finding the best price; it's about ensuring it covers all your potential needs.

When to Purchase Cruise Insurance

Timing is everything. Purchasing your insurance soon after booking your cruise can often provide additional benefits and ensure you're covered for any early surprises. As you get closer to your trip your coverage options may get more expensive, and certain providers may not be able to offer you coverage.

How to Find the Best Deals on Cruise Insurance

Keep a lookout for deals, but remember, the cheapest option isn't always the best. Balance cost with coverage, and ensure you're getting the protection you need at a price that doesn't rock your financial boat. A travel insurance comparison site like SquareMouth is a good place to compare multiple quotes from all of the major carriers at once.

How to Pick The Best Cruise Insurance for You

When buying travel insurance for a cruise, consider the additional risks that are specific to cruising. These include hurricanes and other weather-related concerns, strict cancellation terms, high pre-paid costs of a cruise, and the distance to emergency medical assistance.

To find the policy that's right for you, it's best to compare several different cruise insurance policies based on the pricing and coverage they provide. Remember too that all reputable insurance providers will offer a "free-look period." This allows you to return the policy you've purchased for any reason, within a specific time period, for a full refund.

The most important coverages to look for in cruise insurance are:

• Medical coverage — This coverage will pay for medical bills outside the US. But because treatment can be more expensive while onboard, make sure your policy offers sufficient coverage ($100,000+).
• Medical evacuation coverage — This coverage will transport you to the nearest hospital or even back home if you become sick or injured during your journey. But an evacuation from sea will be more expensive than one from land. So you'll want to make sure your coverage has sufficiently high limits ($250,000+).
• Missed connection (missed port of call) coverage — This type of coverage will help you catch up to your itinerary if you miss your port of call for a covered reason, like a delayed flight on the way to the airport.
• Coverage for hurricane warnings — With this type of coverage, you don't actually need to be affected by the hurricane. You can cancel and be reimbursed for your trip if the NOAA issues a hurricane warning. If you're cruising anywhere during (or on the tail ends) of hurricane season, this can come in handy. Just note: You can't buy travel insurance to cover a weather event once a storm or hurricane has been named.
• Cancel for any reason (CFAR) — This is the most comprehensive coverage you can get, as it allows cancellations and reimbursement for pre-paid expenses for any reason. This can be a wise add-on for cruise coverage given the often higher prepaid expenses associated with cruising. See our guide to the best CFAR travel insurance options to learn more.
• Preexisting conditions — This coverage ensures that no known health conditions are excluded from coverage. Obtaining a preexisting condition waiver usually requires purchasing your travel insurance soon after booking your trip.
• Personal possessions insurance — Because of the events and fancy dinners cruise ships hold, you might take more valuable clothing or jewelry with you on a cruise. This type of coverage will insure your belongings against loss or theft while cruising.
• Baggage loss and delay — This coverage will reimburse you up to a specified amount for essentials if your bags are delayed or if your bags get lost en route.

As a rule of thumb, you can expect to pay between 5% and 10% of your prepaid, nonrefundable trip expenses for cruise insurance coverage. The price will vary depending on factors like your age, your travel destination, and whether you require additional coverage.

If you're booking a cruise, we recommend purchasing travel insurance when you make your first trip payment. That could be for the cruise itself or an expense like airfare to get you to your cruising destination. This way, if you have to cancel your trip, you'll have the most extended coverage period possible.

You can buy your own cruise insurance that isn't offered directly through the cruise line operator. In fact, this could be a better option if you want coverage for your travel to the cruise's departure point, not just for the cruise itself.

The difference between traditional travel insurance and cruise insurance is that cruise insurance offers more specialized coverage, for situations such as missing a departure port and more coverage for medical evacuations, since it's more expensive to evacuate someone at sea than on land. 

Most cruise insurance includes coverage for missing a departure port, so you should be able to claim for a missed port. Just make sure you check the details of your policy before you file a claim, and before you travel so you know what compensation you're entitled to.

Why You Should Trust Us: How We Chose the Best Cruise Travel Insurance

When comparing cruise travel insurance providers, we evaluated them based on the following criteria to come up with our list of top picks:

Customer Satisfaction

We look at ratings from JD Power and other industry giants to see where a company ranks in customer satisfaction. We also look at customer review sites like Trustpilot and SquareMouth.

Policy Types

We look at policy types and offerings, from standard travel protections to adventure sports coverage. We look at the amount of insurance offered

Average Premiums

We compare average premiums per trip. Some companies also offer annual plans, and we compare policies accordingly.

Claims Paid

How frequently do companies pay claims easily and quickly? We check customer reviews and other resources to see which companies honor policies most effectively.

We look at the company's overall behavior. Is it operating ethically? Companies can earn additional points for such behaviors.

You can read more about how Business Insider rates insurance here.

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

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

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