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• Key takeaways

Does US health insurance work in Canada?

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+

Our top picks for the best travel insurance for Canada

Seven Corners

Generali global assistance.

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

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

Best for High Medical Coverage

Why we like it.

Editor's take

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

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

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

Read our full review

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

Best Coverage for Pre-Existing Conditions

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

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

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

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

Best Basic Coverage

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

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

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

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

Best for Medical Evacuation Coverage

Travel insured international.

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

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

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

Best for Travelers Aged 80+

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

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

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

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

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.

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 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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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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Top Travel Insurances for Canada You Should Know in 2024

Byron Mühlberg

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

Links on this page, including products and brands featured on ‘Sponsored’ content, may earn us an affiliate commission. This does not affect the opinions and recommendations of our editors.

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

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

Canada Insurance Profile

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

Best Travel Insurances for Canada

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

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

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

Do I Need Travel Insurance for Canada?

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

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

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

VisitorsCoverage: Best Medical Coverage

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

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

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

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

Insured Nomads: Best Trip Coverage

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

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

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

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

SafetyWing: Best Combination For Youth

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

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

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

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

How Do They Compare?

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

Data correct as of 4/1/2024

FAQ About Travel Insurance to Canada

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

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

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

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

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

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

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

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

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

See Our Other Travel Insurance Guides

Looking for Travel Insurance to Another Country?

See our recommendations for travel insurance to other countries worldwide:

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Vacation, Trip & Travel Insurance for Canada

In this article:, canadian travel insurance.

As the world's second-largest country spanning 9.9 million square kilometres, Canada offers a vast and diverse landscape with endless vacation options. From the rugged beauty of the Rocky Mountains to the stunning coastline of Newfoundland and Labrador, there's something to suit every traveller's taste.

Despite this, many people may overlook the need for travel insurance when planning their Canadian adventure. However, purchasing a policy is imperative, particularly when travelling outside of your home province.

If you venture to a different province, your provincial health insurance may not cover you. Therefore, if you were to fall ill or sustain an injury whilst on holiday, you could be left with an exorbitant bill.

Moreover, travel insurance can extend beyond emergency medical coverage and provide protection in unexpected situations. For instance, if you have to cancel your trip due to an unforeseen illness or injury, some policies will reimburse you for any non-refundable costs. Additionally, if you need to shorten your trip and return home early, your policy may cover the unused travel expenses.

To ensure a stress-free vacation, it is crucial to compare coverage and invest in a suitable travel insurance policy. With so many options available, it's important to do your research and find a policy that meets your specific needs and budget. By taking the time to secure the right coverage, you can relax and fully enjoy all that Canada has to offer.

Do I need travel insurance for Canadian vacations?

Even if you have provincial health coverage, it's imperative to note that having travel medical insurance when travelling within Canada offers many benefits. This is because there might be costs that your provincial plan won't cover, or different limits, in addition to variations in Government Health Insurance Plan coverage between provinces. In fact, having travel medical insurance can provide you with a peace of mind as you embark on your journey within Canada.

Considerations and benefits of having travel medical insurance when travelling within Canada are vast. Firstly, it covers prescription drugs, which is a huge relief if you require medication during your trip. Moreover, it covers outpatient services, physician and laboratory costs, air ambulance or commercial repatriation to your home province, and hospital costs related to drug and diagnostic services. In addition, it also offers assistance with bringing a family member to your bedside, direct payment to the hospitals and doctors caring for you, and return of your vehicle if you are ill and have to be repatriated home via other transport.

Sorting out good travel insurance is an important consideration for any Canadian travelling within Canada. It's a small investment that can pay off in a big way in terms of peace of mind, protection and financial savings.

What does Canadian travel insurance cover?

If you're a Canadian looking to purchase travel insurance for travel within Canada, it's important to take a moment to consider what kind of coverage you need. Outside of the medical-related benefits, you should also consider having Trip Cancellation and Trip Interruption Insurance to cover non-refundable costs for items like hotel accommodation or the costs associated when a trip has to be cut short for an unexpected return home.

But what about other unexpected events? What might happen if your baggage was lost or stolen ? Or if you were to miss an internal flight, a ferry, or even a train due to circumstances beyond your control? In these scenarios, your travel insurance coverage can help make sure you're not out of pocket.

When looking at Canadian travel insurance policies, make sure to understand the coverage limits and any exclusions that may apply. For example, many policies will not cover extreme sports or activities that are considered to be high-risk. If you're planning on doing any activities that may be considered high-risk, be sure to purchase a policy that offers coverage for those activities.

In general, Canadian travel insurance policies will cover emergency medical expenses . However, if you want more comprehensive coverage, you can consider all-inclusive policies that also include coverage for trip cancellation and interruption, lost or stolen baggage, and travel delays. Some policies will even offer coverage for rental car insurance, personal liability, and 24-hour emergency assistance. Be sure to read the policy documents carefully to understand what is and is not covered.

Regardless of the specific coverage you choose, the key element of travel insurance for Canada is that it is there to provide coverage for unexpected costs and scenarios when you are away from home. Whether it's a medical emergency, a cancelled flight, or lost luggage, having travel insurance can provide peace of mind and protect you from financial losses.

Compare quotes today

If you're planning a trip within Canada, it's always a good idea to consider travel insurance. Whether you're travelling for leisure or business, unexpected incidents can happen, and it's best to be prepared. At Compare Your Travel Insurance, we offer a variety of travel insurance options to choose from, so you can find the right coverage that suits your needs.

When selecting travel insurance, it's important to weigh your options carefully. If you're only travelling once, a single-trip policy may be the best choice for you. However, if you're a frequent traveller, an annual policy may provide more value for your money. We're here to help you compare your options and make the right decision for your situation.

Our goal is to ensure that you have the right level of coverage to protect you while you discover Canada. We understand that every traveller has unique needs, which is why we offer a personalized approach to finding the right travel insurance policy for you. Our online quote comparison tool makes it easy to compare options and find the right policy that fits your budget.

Don't wait until it's too late. Protect yourself and your trip by getting the right travel insurance coverage today. Get started by comparing quotes and finding the perfect policy for your needs.

There are many costs that might not be covered by your provincial plan or there may be different limits - so if you are planning to travel outside of your home province it is worth considering travel insurance.

This depends on the rules of your home province. Some provinces allow you to be outside for a total of 182 days in a calendar year while others may allow up to 212 days. While you may be able to obtain coverage up to these durations, travel insurance will only be valid as you remain a resident of your home province and have a valid Government health insurance plan.

A deductible is the amount that must be paid by you before the insurer begins to pay. For example, if your plan has a $500 deductible, and you have an accident that incurs medical costs of $2,000, you will have to pay the first $500 and your insurer would cover the additional $1,500 (or up to your coverage limits).

Deductibles can vary by coverage section and by insurer.

Your Government health plan does not provide coverage for medical expenses incurred outside of Canada (some provincial plans provide very limited reimbursement for out-of-province medical bills). Travel insurance provides coverage for unexpected medical emergencies and related expenses incurred outside of Canada (and your home province). Travel insurance needs to be purchased prior to departing your home province.

We can help you compare travel insurance coverage if you're a Canadian resident & covered by a Government Health Insurance Plan in your province or territory of residence for the entire duration of your trip.

You are not travelling against the advice of a physician, been diagnosed with a terminal illness, metastatic cancer, require kidney dialysis or travelling to get medical treatment or advice abroad.

You have not been prescribed or used home oxygen in the last twelve months, undergoing investigative treatment for shortness of breath or chest pain.

You have never had a bone marrow, stem cell or organ transplant and do not require assistance with activities of daily living as a result of a medical condition or state of health.

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See what other travellers like you have to say about our service.

Warren holds over 19 years of experience in the travel insurance industry. He enjoys telling the stories of people and places which is fed by his love of travel. Warren is an active member of the Travel Health Insurance Association of Canada (THIA) to better educate the Canadian traveller on the benefits of travelling protected.

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Canadians are optimistic about travel in 2024: Blue Cross Travel Study

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Out-of-province emergency medical expenses are not generally covered by your provincial medical plan and these expenses can be financially overwhelming.

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As a recognized symbol of health care globally, being trusted, professional and familiar is what you need in your coverage provider when travelling out of province.

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Choose your region

By Lisa Jackson

   min read

Best travel insurance in Canada

KieferPix / Shutterstock

You’ve packed your bags, mapped your itinerary, and set your “out of office” message – it’s vacation time! But what about travel insurance?

According to a 2019 study by the Travel Health Insurance Association of Canada, 13% of Canadians aren’t sure if they have travel insurance before they go on vacation. Of those who have bought insurance, 17% don’t know what their policy covers.

As a professional travel writer, I find this rather alarming. Canadian health insurance is not valid outside Canada, and your provincial or territorial health plan may not cover all the costs even if you’re travelling domestically. If you suffer an accident or get sick abroad, unexpected medical bills can bankrupt you. It’s why the Canadian government  advises all travellers to buy travel insurance , and I never leave the country without it. Whether you’re taking a two-week trip or a gap year abroad, every one needs the best travel insurance in Canada, regardless of age, health status, destination, or length of vacation.

World Nomads: Best for thrill seekers

Designed for adrenaline lovers with wanderlust, World Nomads insures a long list of adventure sports, activities and volunteer/work experiences, as well as sporting equipment delay/loss/theft. You also get access to a 24/7 hotline that provides information that adventure travellers may need: weather reports and travel advisories, assistance locating the nearest trail, and finding a gear shop.

The standard policy covers emergency medical expenses up to $5 million, emergency dental, trip cancellation/interruption/delay, baggage delays/theft/damage, and more. The downside: you must be under 66 years of age to qualify.

CAA Travel Insurance: Best for families

A long-trusted Canadian institution, CAA travel Insurance offers flexible travel plans to suit every type of traveller and vacation, but their policies are particularly great for families. Their stand-alone emergency medical policy of up to $5 million in health coverage is extremely comprehensive, even including medical repatriation, emergency dental, and reimbursements for pet care and kenneling.

The Vacation Package Plan provides full cancellation/interruption insurance – ideal for prepaid, all-inclusive vacation packages – as well as family transportation and escort of children during emergencies. Anyone can buy CAA travel insurance, but members get a 10% discount.

CAA’s emergency medical plans also now include coverage for COVID-19-related illnesses for vaccinated customers. Coverage is up to $2.5 million if partially vaccinated and up to $5 million if fully vaccinated.

Blue Cross: Best for seniors and retirees

Blue Cross has been around for more than 70 years, and 1 in 4 Canadians utilize its travel insurance. Blue Cross’s emergency medical covers up to $5 million. It has special “snowbird” travel insurance packages designed for Canadians who head to warmer climates each year, making Blue Cross ideal for retirees.

Part of the package is the recently launched Serenity Service. This free perk provides a range of benefits if your flight is delayed, including access to an airport lounge or even a hotel room (depending on the length of the delay). Pre-existing conditions are generally not covered.

Travel CUTS Bon Voyage Insurance: Best for budget travellers

Starting at only $1.36 a day, Travel CUTS Bon Voyage Insurance offers very affordable travel insurance packages, and it’s personally been my “go-to” travel policy for years. Yes, it’s geared toward students (e.g., you can swap your travel dates at no charge due to an exam schedule conflict), but anyone between 15 and 50 years of age can purchase a policy.

The standard package includes hospital and medical up to $1 million, dental care, air ambulance evacuation, flight accident, accidental death or dismemberment, and trip interruption/cancellation insurance. Adventure and extreme sports are also covered.

Manulife CoverMe: Best for Canadians with pre-existing medical conditions

Manulife CoverMe offers highly comprehensive Canadian travel insurance packages for those travelling as a family, a visitor to Canada, or a student. You also get access to the TravelAid mobile app, which provides directions to the nearest medical facility and local emergency telephone numbers.

However, the stand-out feature is arguably TravelEase – a special policy designed to cover fully disclosed medical conditions. For travellers with pre-existing conditions, it insures a bunch of expenses for health services and transportation. It provides up to $10 million in emergency medical benefits – a unicorn in the travel insurance world.

Medipac Travel Insurance: Best for emergency medical assistance

Medipac is one of the only travel insurance companies out there that is staffed by their own team of trained medical professionals, via their Medipac Assistance hotline. Medipac’s medical professionals are your first point of contact in an emergency medical situation. This service is also helpful for dealing with foreign medical systems and helping to prevent unnecessary expenses when dealing with a large deductible.

Medipac offers several competitive features for their travel insurance plans, including no age limits, a claim-free discount, and a 90-day stability period for most pre-existing conditions. If your pre-existing medical condition isn’t covered by a standard Medipac insurance plan, Medipac also offers personalized, underwritten insurance policies to help you meet your needs.

Medipac is offering a 5% Vaccine Discount to clients who have received a minimum of one dose of a COVID-19 vaccine, as well as the new MedipacMAX option. This COVID insurance option provides maximum coverage of up to $5 million USD for COVID-19, in addition to its other benefits.

Allianz Travel Insurance: Best for frequent travellers

Touted as a world leader in the Canadian travel insurance and assistance industry, Allianz Travel Insurance is a major provider of travel insurance, corporate assistance, and concierge services. It seeks to help its customers find solutions to various travel-related problems. Allianz Travel has partnered with many reputable companies, including travel agencies, airlines, resorts, websites, event ticket brokers, corporations, universities, and credit card companies.

Allianz Travel Insurance is a great choice for anyone looking for travel insurance. Its single-trip plans are perfect for those leaving home and visiting another destination (or destinations) before going back home. Its parent company, Allianz Global Assistance, has five plans to choose from, all offering different levels of protection and coverage.

Allianz Travel Insurance’s annual/multi-trip plans are perfect for both personal and professional travelers who take multiple trips in a year. It offers four distinct options to choose from.

Will my provincial insurance be valid overseas?

No! If you get sick or injured overseas, the Canadian government will not cough up a dime to cover your medical costs. Here are the sobering facts:

• Canadian public health insurance is not valid outside of Canada.
• Foreign hospitals can be extremely expensive and may demand payment before treating you.
• The Canadian government will not pay a Canadian’s medical bills for an illness or accident suffered abroad. You’re on the hook for footing the bill!

Will my provincial insurance work in another province/territory?

Flash your valid provincial health card in another part of Canada, and you’ll likely be covered for some of the same services insured by your home provincial plan. This is because the provinces and territories (except Quebec) signed an agreement whereby the host province foots the bill for any medically necessary health care services and gets reimbursed by the home province later.

However, that doesn’t mean you’re completely out of the woods. Depending on your destination, a slew of other services may not be covered, such as an ambulance, hospital transfer, prescription drugs, transportation back to your home province, and procedures not currently approved by your home plan.

Plus, since Quebec wasn’t a signatory to the interprovincial billing agreement, you’ll likely be charged for any medical bills incurred there. For this reason, it’s recommended that you buy extra travel insurance (or verify your  credit card’s travel insurance coverage ) to cover any uninsured health care services that may crop up during your trip.

What does the best travel insurance in Canada cover?

Every travel insurance policy is different and what’s covered depends on how much you’re willing to pay for coverage. Typical medical services that you can expect to be covered include:

• Emergency hospital and medical costs
• Ambulance and air ambulance costs
• Outpatient services
• Physician and laboratory costs
• Prescription drugs
• Direct payment to the hospitals and doctors caring for you
• Assistance with bringing a family member to your bedside
• Air ambulance or commercial repatriation home
• Return of your vehicle if you are ill and have to come home

Additional benefits may include:

• Trip cancellation for non-refundable monetary losses
• Trip interruption
• Baggage loss, rental car damage, out-of-pocket expenses
• Accidental death and dismemberment

How much coverage do I need?

Securing a policy with a minimum of $1M maximum payable is a safe bet. But don’t just look at the numbers when choosing a policy – read the fine print. Every insurer has a list of situations in which coverage is not provided, otherwise known as “exclusions.” Check whether your provider includes coverage or has provisions for the following:

• Pre-existing medical conditions: According to the International Association for Medical Assistance to Travelers, a pre-existing condition is “something that happened (or started to happen) before you were insured.” Some policies may cover claims relating to pre-existing conditions that are “stable and controlled,” but read the definitions carefully. If you don’t declare a condition, the entire policy could be invalidated!
• Medical evacuation: Ensure the policy covers medical evacuation to the nearest hospital and/or to Canada and the costs of a medical escort to accompany you to your final destination.
• Repatriation in case of death: On the grim side, ensure that your plan covers the preparation and return of your remains to Canada.
• Adventurous Activities: If you plan on engaging in “high-risk” activities on your trip, you may need to shell out extra dough for a more comprehensive plan. Many policies don’t cover “risky” activities, such as skiing or snowboarding “out of bounds,” skydiving, scuba diving, white-water rafting, mountaineering, or participation in any rodeo activity. To cover your bases, ask questions and get specifics before purchasing a policy.

You may have to pay more to have these things included, but a few extra bucks may be worth it for peace of mind.

Should I buy “a la carte” travel insurance or get a travel credit card with free insurance?

A credit card with travel insurance is always a good thing to carry in your wallet. The  best travel credit cards in Canada  usually cover everything from emergency medical costs to trip cancellation/interruption to flight delay to rental car insurance, which could save you a wad of cash.

The  Scotiabank Gold American Express ® Card  has saved my butt a few times, and I’ve filed several travel-related claims through my card. I cancelled my trip to Portugal a few years ago due to a death in the family, and I got a full refund on my hotel deposit and flights for myself, my husband, and my baby. It totally justified the $120 annual fee.

That being said, don’t rely on your credit card to take care of all your travel insurance needs. It usually includes a basic policy, meaning it offers low (or no!) travel medical insurance as part of the package. Like any travel insurance company policy, you’ve really got to read the fine print and understand the conditions of your policy to avoid sticky situations.

For instance, the Scotiabank Gold American Express ® Card requires a cardholder to have charged at least 75% of trip expenses to make a trip cancellation/interruption insurance claim. So if you book an all-inclusive vacation for $5,000 and then cancel due to illness, at least $3,750 must have been charged onto your AMEX to qualify for a claim. If you didn’t do that, you’re out of luck.

Can I still purchase insurance if i’ve already started my vacation?

The short answer: most insurance providers won’t cover you after your departure date. However, a handful of insurers (such as World Nomads) will allow you to purchase a policy while already overseas. Just know that it can come with sky-high costs and/or conditions: World Nomads has a 48-hour waiting period before coverage kicks in. The bottom line? It’s always best to buy travel insurance before leaving the country.

Can I get travel insurance for part of a trip?

Some plans offer insurance coverage options that will allow you to customize your coverage, but you’ll have to research to find one that works for your unique circumstances. Alternatively, you could take out an insurance policy for each destination and/or segment of your trip.

For instance, you could get a World Nomads policy for the two weeks you’re scuba diving in Australia, followed by a basic Travel CUTS Bon Voyage insurance to cover a month-long trip to Europe. However, when you buy Canadian travel insurance, you must select a trip start and end date – meaning you must know the exact dates for travelling to those places.

Should I carry a printout of my policy with me at all times?

I recommend carrying the travel insurance card in your wallet and locking it up in the hotel safe with other important travel documents like my passport. But don’t rely totally on paper: Wallets get lost or stolen, luggage can be delayed or M.I.A., and papers are easy to misplace when you’re on the road. My advice is to send a copy of the policy to your email and save it on your iCloud or another storage system that can be accessed anywhere, anytime.

Recommended reads

• What’s the Added Value of a Credit Card with Travel Insurance?
• The Best Travel Rewards Programs in Canada
• Aeroplan vs. AIR MILES vs. Avion

About our author

Lisa Jackson is a freelance personal finance and travel journalist, editor, and blogger who contributes to various online and print media outlets in Canada and abroad, including The Globe & Mail, Toronto Star, Islands Magazine, Fodors, BRIDES, Huffington Post Canada, CAA Magazine, The Food Network, West Jet Magazine, NUVO Magazine, and many others. When she's not writing from her home office, she's busy globe-trotting to new destinations in search of her next story.

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HelloSafe » Travel Insurance

Best travel insurance in Canada for 2024

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

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

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

Top 10 travel insurance Canada plans

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

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

What is travel insurance?

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

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

What is international travel insurance?

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

How does travel insurance work?

Here's how it typically works:

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

What does travel insurance cover?

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

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

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

What does it not cover?

Common exclusions typically include:

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

What are the different types of travel insurance?

The most common categories are:

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

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

What is travel medical insurance?

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

How much is travel insurance?

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

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

How much is travel insurance in Canada?

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

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

Prepare for your trip Compare. Choose. Save.

What does travel insurance for seniors cover?

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

Leading plans medical travel insurance for seniors Canada plans offer:

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

How much is travel insurance for Canadian seniors?

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

What is the best travel insurance for visitors to Canada?

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

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

Is it mandatory to have travel insurance to visit Canada?

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

Good to know

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

How to get the cheapest travel insurance Canada plans?

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

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

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

When should I buy travel insurance?

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

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

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

What are the best travel insurance plans in 2024?

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

Other popular companies include the following :

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

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

What are the FAQs on travel insurance Canada plans?

How does credit card travel insurance work.

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

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

The best travel insurance credit cards have offerings like this:

Does travel insurance cover COVID-19?

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

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

There are a few important points to consider:

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

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

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

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

Do I need travel insurance to USA from Canada?

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

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

Do I need travel insurance within Canada?

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

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

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

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

What does travel insurance for snowbirds cover?

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

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

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

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

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

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

How do I buy travel insurance online?

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

How much travel insurance do I need?

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

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

What is the best travel insurance for cancer patients?

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

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

Does travel insurance cover cruises?

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

They cover:

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

See our guides on travel insurance in Canada:

• Is soNomad insurance best for you? Review 2024
• Is Red Cross Travel Insurance Good in 2024?
• Best Travel Insurance South Africa Plans 2024
• Expat Travel Insurance: A Complete Guide (2024)
• What is the best Travel Insurance Hong Kong for 2024?
• What is Canada's best travel health insurance (2024)?
• What are the Best Travel Insurance BC Plans in 2024?
• Best Travel Insurance Dubai Plans for Canadians (2024)
• What is the best group travel insurance in 2024?
• Best Travel Insurance for Backpackers 2024
• Travel Insurance UK: Complete Guide (2024)
• Annual Travel Insurance Canada: Full Guide 2024
• Travel Insurance for Schengen Visa: 2024 Guide
• How does Multi Trip Travel Insurance work? Full guide 2024
• How does student travel insurance work? A full guide 2024
• Is CoverMe Travel Insurance worth it? Review 2024
• Is Air Canada travel insurance worth it? 2024 Review
• Is Cooperators Travel Insurance worth it? Review 2024
• How to get the best European travel insurance in 2024?
• Is Sun Life Travel Insurance the best in 2024? Review
• Is Canada Life Travel Insurance worth it? Review 2024
• How to get travel insurance for visitors to Canada in 2024?
• Is TuGo Travel Insurance right for you? Review 2024
• Is World Nomads travel insurance the best in 2024?
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• Is RIMI travel insurance the best in 2024?
• Is MEDOC Travel Insurance the best in 2024?
• Is Travel Guardian insurance the best in 2024?
• Is Costco Travel Insurance worth it? Review 2024
• Is WestJet Travel Insurance the Best in 2024?
• How to get the best travel Insurance for seniors in 2024?
• Is Blue Cross Travel Insurance in Canada worth it? 2024 Review
• How does trip cancellation insurance work in Canada in 2024?
• Should you buy travel insurance to the USA?
• Is RBC travel insurance the best in 2024?
• Is AIG Travel Insurance Canada Good? Review 2024
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• [Survey] Only 25% of Canadians plan to go on holiday this summer
• [Survey] Only 29% of Ontarians plan to go on holiday this summer
• What is the best Covid travel insurance in Canada for 2024?
• [Travel] Covid travel insurance still mandatory in 41 countries across the world this summer
• What's the best Super Visa insurance in Canada for 2024?
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• Best travel insurance for snowbirds in 2024
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• Where Can Canadians Still Travel Abroad ?

Alexandre Desoutter has been working as editor-in-chief and head of press relations at HelloSafe since June 2020. A graduate of Sciences Po Grenoble, he worked as a journalist for several years in French media, and continues to collaborate as a as a contributor to several publications.

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

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

I am wanting a quote for travel/medical insurance

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

Have a nice day, The HelloSafe team

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

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

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

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

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

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

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What is travel insurance?

There are two main types of travel insurance: travel medical insurance and trip cancellation/interruption insurance .

Travel medical insurance can help to cover the cost of medical care if you become sick or injured while travelling. It can also help to cover the cost of travel if you need to be transported to a hospital in another country. This is the most common type of travel insurance.

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

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

Learn more about travel insurance

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

Who needs travel insurance?

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

Inbound travellers

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

Outbound travellers

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

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

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

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

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

Super visa insurance

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

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

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

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

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

Who offers the best travel insurance in Canada?

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

Some of our partners include:

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

Get instant quotes from Canada’s top travel insurance companies

Why should you buy travel insurance?

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

For Canadian travelling abroad

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

For those visiting Canada

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

Frequently asked questions

How much does travel insurance cost?

The cost of travel insurance is determined by many variable factors including the type of insurance you purchase, your age, the duration of the trip, and the amount of coverage you are getting. A rule of thumb is travel insurance should typically cost 5% of your trip. Of course, these costs can increase for extended stays like super visa insurance , insurance for snowbirds, and insurance for students or foreign workers.

Can't I just use credit card travel insurance?

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

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

Does travel insurance cover pre existing conditions?

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

In some cases, if you have shown no symptoms or diagnosis of a pre-existing medical condition for 180 days prior to the effective date of the policy and have not had treatment for the condition during that time, it will not be considered a pre-existing condition during your coverage period.

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

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

Can you get a refund for travel insurance?

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

Is travel insurance mandatory?

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

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

Does provincial healthcare cover you when travelling abroad?

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

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

Can I get travel insurance after I have left Canada?

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

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

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

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

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Do You Really Need Travel Insurance?

How do travel and medical travel insurance work, what factors affect travel insurance rates.

Like other types of insurance, rates will vary by provider and the type of coverage you need. Some factors that play a role in your travel insurance rate are:

• Where you are traveling to
• The kinds of activities you will be doing
• How many people are traveling with you
• How many past claims you have filed, if any
• Your desired coverage

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Types of travel insurance, travel medical insurance, trip cancellation insurance, trip interruption insurance, lost baggage insurance, out-of-province travel insurance, what does travel insurance cover.

Travel Insurance Frequently Asked Questions (FAQ)

Why do i need travel insurance, won’t my provincial health insurance cover me, how do i get a quote, how do i save money on travel insurance, how soon will i get my health insurance quotes, get the lowest rates on all types of insurance.

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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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How Much Does Travel Insurance Cost?

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• The average travel insurance premium this week is $293.94, about the same as last week.
• For travel in the United States, the average premium is $91 to $410.
• Travel insurance protects against delayed baggage, trip cancellation, and more.

The average cost of travel insurance fluctuates throughout the year, based on demand and whether or not school's in session. Also keep in mind that where you're traveling and how many people are taking the trip will affect your exact premium.

The average travel insurance premium this week is about the same compared to last week.

Travel insurance rates this week:

• Average premium: $293.94
• Average trip cost: $6,853.10
• Average trip length: 16 Days

Understanding Travel Insurance

Travel insurance plans can cover both domestic and international travel. It could protect against something as familiar as delayed baggage (experts estimate 85% of lost luggage is returned to its owner within 48 hours) or as complicated as trip cancellation.

The benefits and limitations of travel insurance vary based on the company and plan. Above all else, this insurance coverage offers peace of mind.

Some credit cards offer a limited amount of travel insurance annually. If you need clarification on what your credit card offers, contact your provider to verify. These plans are great for cancellations and interruptions but may not cover more costly losses associated with unexpected medical expenses or emergency evacuations.

Individual travel insurance plans include this and much more. Travel insurance protects travelers from the unexpected when away from home.

Average Cost of Travel Insurance by Destination

Some countries are naturally more expensive travel destinations due to higher flight and lodging costs, which could increase travel insurance costs. Travel insurance will generally cost 5% to 10% of your total trip price, according to SquareMouth.

Here's how the prices stack up:

Source: SquareMouth

How Far in Advance to Purchase Travel Insurance

According to an AAA travel survey , 88% of travelers say that reimbursement after a trip cancellation is the most valuable benefit of trip insurance.

According to data gathered by SquareMouth in the last six months, travelers tend to purchase trip cancellation travel insurance 53 days before their trip. Meanwhile, travelers without trip cancellation insurance will buy a policy approximately 16 days before their trip. Regardless of when you buy, cancellation protection can kick in to protect you against the unexpected.

Average Cost of Travel Insurance by Age

A traveler's age is a significant factor in determining the cost of travel insurance. The older a traveler is, the higher travel insurance premiums are. For instance, a senior traveler may need more insurance for health-related emergencies than a millennial.

When calculating your travel insurance premium, travel insurance providers consider the likelihood of a medical emergency.

Get your free travel insurance quote with SquareMouth »

Travel Insurance Rate Tips

How much does travel insurance typically cost.

Travel insurance rates through most providers fall between 4% and 8% of the total trip cost. Like the cost of flights, cruises, etc., rates may vary substantially based on the season, your original location, your destination, and other factors. This week, the average cost of a policy was close to $300.

How can I save money on travel insurance?

To save money on travel insurance, tailor your policy to your specific needs and avoid unnecessary extras. You should also shop around to compare quotes from multiple insurers. Opting for an annual plan if you're a frequent traveler, checking existing coverages from other insurance policies or credit card benefits, and choosing a policy with a higher deductible can significantly lower your premiums. Always read the fine print to understand your coverage fully, ensuring you don't pay for redundant or irrelevant features.

Where are the cheapest places to buy travel insurance?

To find affordable travel insurance, consider using online comparison websites like SquareMouth or InsureMyTrip to see rates from various providers. Other ways to save include purchasing directly from insurance companies, exploring package deals from travel agencies or airlines, utilizing included coverage from credit card benefits, and checking for discounts through membership organizations such as AAA or AARP.

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Key benefits of travel medical insurance

• Travel medical insurance coverage
• Who needs medical travel insurance?

Choosing the right travel medical insurance

How to use travel medical insurance, is travel medical insurance right for your next trip, travel medical insurance: essential coverage for health and safety abroad.

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• Travel medical insurance covers unexpected emergency medical expenses while traveling.
• Travelers off to foreign countries or remote areas should strongly consider travel medical insurance.
• If you have to use your travel medical insurance, keep all documents related to your treatment.

Of all the delights associated with travel to far-flung locales, getting sick or injured while away from home is low on the savvy traveler's list. Beyond gut-wrenching anxiety, seeking medical treatment in a foreign country can be exceedingly inconvenient and expensive.

The peace of mind that comes with travel insurance for the many things that could ail you while abroad is priceless. As options for travel-related insurance abound, it's essential to research, read the fine print, and act according to the specifics of your itinerary, pocketbook, and other needs.

Travel insurance reimburses you for any unexpected medical expenses incurred while traveling. On domestic trips, travel medical insurance usually take a backseat to your health insurance. However, when traveling to a foreign country, where your primary health insurance can't cover you, travel medical insurance takes the wheel. This can be especially helpful in countries with high medical care costs, such as Scandinavian countries.

Emergency medical evacuation insurance

Another benefit that often comes with travel medical insurance, emergency medical evacuation insurance covers you for any costs to transport you to an adequately equipped medical center. Emergency medical evacuation insurance is often paired with repatriation insurance, which covers costs associated with returning your remains to your home country if the worst happens. 

These benefits are for worst-case scenarios, but they might be more necessary depending on the type of trips you take. Emergency medical evacuation insurance is helpful if you're planning on traveling to a remote location or if you're traveling on a cruise as sea to land evacuations can be costly. Some of the best travel insurance companies also offer non-medical evacuations as part of an adventure sports insurance package.

It's also worth mentioning that emergency medical evacuation insurance is required for international students studying in the US on a J Visa. 

Types of coverage offered by travel medical insurance

The exact terms of your coverage will vary depending on your insurer, but you can expect most travel medical insurance policies to offer the following coverages.

• Hospital room and board
• Inpatient/outpatient hospital services
• Prescription Drugs
• COVID-19 treatment
• Emergency room services
• Urgent care visits
• Local ambulance
• Acute onset of pre-existing conditions
• Dental coverage (accident/sudden relief of pain)
• Medical care due to terrorist attack
• Emergency medical evacuation 
• Repatriation of mortal remains
• Accidental death and dismemberment

Travel medical insurance and pre-existing conditions

Many travel insurance providers will cover pre-existing conditions as long as certain conditions are met. For one, travelers need to purchase their travel insurance within a certain time frame from when they placed a deposit on their trip, usually two to three weeks. 

Additionally, travel insurance companies usually only cover stable medical conditions, which are conditions that don't need additional medical treatment, diagnosis, or medications.

Who needs travel medical insurance?

Even the best-laid travel plans can go awry. As such, it pays to consider your potential healthcare needs before taking off, even if you are generally healthy. Even if well-managed, preexisting conditions like diabetes or asthma can make a medical backup plan even more vital.

Having what you need to refill prescriptions or get other care if you get stuck somewhere other than home could be essential to your health and well-being. That's without counting all the accidents and illnesses that can hit us when away from home.

Individuals traveling for extended periods (more than six months) or engaging in high-risk activities (think scuba diving or parasailing) should also consider a solid medical travel plan. Both scenarios increase the likelihood that medical attention, whether routine or emergency, could be needed.

In the case of travel via the friendly seas, it's also worth considering cruise trip medical travel insurance . Routine care will be available onboard. But anything beyond that will require transportation to the nearest land mass (and could quickly become extremely expensive, especially if you're in another country).

Like other types of insurance, medical travel insurance rates are calculated based on various factors. Failing to disclose a preexisting health condition could result in a lapse of coverage right when you need it, as insurers can cancel your policy if you withhold material information. So honesty is always the best policy.

Even the best-laid travel plans can go awry. As such, it pays to consider your potential healthcare needs before taking off, even if you are generally healthy. Making the right choice when shopping for travel medical insurance can mean the difference between a minor hiccup in your travels and a financial nightmare. 

When a travel insurance company comes up with a quote for your policy, they take a few factors into consideration, such as your age, your destination, and the duration of your trip. You should do the same when assessing a travel insurance company. 

For example, older travelers who are more susceptible to injury may benefit from travel medical insurance (though your premiums will be higher). If you're traveling for extended periods throughout one calendar year, you should look into an annual travel medical insurance plan . If you're engaging in high-risk activities (think scuba diving or parasailing), you should seek a plan that includes coverage for injuries sustained in adventure sports.

Travel medical insurance isn't just for peace of mind. If you travel often enough, there's a good chance you'll eventually experience an incident where medical treatment is necessary.

Before you submit your claim, you should take some time to understand your policy. Your travel medical insurance is either primary (you can submit claims directly to your travel medical insurance provider) or secondary (you must first submit claims to your primary insurance provider). In the case of secondary travel medical insurance, a refusal notice from your primary insurance provider, even if it does not cover medical claims outside the US, is often required as evidence of protocol.

On that note, you should be sure to document every step of your medical treatment. You should keep any receipts for filled prescriptions, hospital bills, and anything else documenting your medical emergency.

As many people have found out the hard way, reading the fine print is vital. Most travel insurance policies will reimburse your prepaid, nonrefundable expenses if you fall ill with a severe condition, including illnesses like COVID-19. 

Still on the fence about whether or not medical travel insurance is worth it ? It's worth noting that many travel insurance plans also include medical protections, so you can also protect against trip cancellations and other unexpected developments while obtaining travel medical insurance.

While short, domestic trips may not warrant travel medical insurance, it may be a good idea to insure longer, international trips. You should also consider travel medical insurance for trips to remote areas, where a medical evacuation may be expensive, and more physically tasking trips.

While shopping for travel medical insurance may not be fun, a little advance leg work can let you relax on your trip and give you peace of mind. After all, that is the point of a vacation. 

Medical travel insurance frequently asked questions

Trip insurance covers any unexpected financial losses while traveling, such as the cost of replacing lost luggage, trip interruptions, and unexpected medical expenses. Travel medical insurance just covers those medical expenses without the trip interruption or cancellation insurance.

Travel insurance companies usually offer adventure sports as add-on coverage or a separate plan entirely. You'll likely pay more for a policy with adventure sports coverage. 

Many travel medical insurance policies now include coverage for COVID-19 related medical expenses and treat it like any other illness. However, you should double-check your policy to ensure that is the case.

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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