best travel insurance vancouver

By Lisa Jackson

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Best travel insurance in Canada

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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 2024 study by Pacific Blue Cross   survey, a British Columbia health benefits provider, 87% of Canadians recognize the risks of travelling without insurance, while 57% purchase a policy at least occasionally. However, younger generations remain rather hesitant about the need for this coverage when travelling abroad. Nearly half of Gen Z travellers (47%) who never purchase insurance say it is because they don't think anything anything bad will happen when vacationing. They also underestimate the actual cost of emergency medical care more than any other generational cohort. 

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.

Best for thrill seekers: World Nomads

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.

Best for families: CAA Travel Insurance

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.

Best for seniors and retirees: Blue Cross

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.

Best for budget travellers: Travel CUTS Bon Voyage Insurance

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.

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

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.

Best for emergency medical assistance: Medipac Travel Insurance

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.

Best for frequent travellers: Allianz Travel Insurance

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

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 » BC

What are the Best Travel Insurance BC Plans in 2024?

• The most competitive offer on the market
• soNomad coverage is complete and very good value for money
• Highly recommended

soNomad travel insurance offers emergency medical coverage up to $5,000,000, including COVID-19 at no extra cost, and baggage insurance up to $1,500, all with no deductible. It stands out for its competitive rates and excellent value for money, surpassing competitors like Allianz and Manulife, which are often more expensive for similar coverage. The cancel-for-any-reason program, subscribed within 7 days of booking, provides additional security. Ideal for all travelers, including those with pre-existing medical conditions.

• Higher rates for the greatest coverage offered on the market
• Allianz offers are very comprehensive

Allianz travel insurance offers emergency medical coverage up to $5,000,000, including COVID-19 protection at no extra cost, and baggage insurance up to $1,000. Although its rates are higher, Allianz stands out for the quality and breadth of its coverage. Compared to soNomad and TuGo, Allianz offers a very comprehensive package but at a higher cost, making it an ideal choice for those seeking maximum and uncompromising coverage.

• No medical questionnaire for individuals aged 59 or younger
• Coverage in case of accidental death or dismemberment
• Medical department for personalized analysis

Tour+Med offers comprehensive travel insurance with generous medical coverage up to $5,000,000 CAD, including coverage for COVID-19 at no extra cost. Their flexible deductible options and additional benefits, such as medical questionnaire exemptions for certain age groups, make it an attractive choice for travelers concerned about their peace of mind.

• Interesting formulas for trips lasting up to one month
• Important coverage
• Adapted to your basic needs

Manulife travel insurance offers a "COVID-19 Pandemic Travel Insurance Plan" providing emergency medical coverage up to $1,000,000 for COVID-19 related health issues, increased to $5,000,000 for fully vaccinated individuals. In case of unforeseen quarantine, it covers up to $200 per day per person (maximum $2,800) and $400 per day per family (maximum $5,600). Compared to other plans, Manulife stands out for its extensive coverage and specific quarantine benefits, offering increased security for vaccinated travelers.

Travelling is an exhilarating experience, filled with new adventures and discoveries. However, unforeseen events can disrupt even the most meticulously planned trips.

To safeguard against these uncertainties, travel insurance becomes essential for any traveller, including residents of British Columbia. But how do you choose the best travel insurance BC policy that's right for you?

In this guide, we look at the best travel insurance BC plans, what they cover, how much they cost, and more. You can use the HelloSafe comparator to compare plans from various providers and also get free quotes in seconds , so you can pick a policy that truly suits your individual needs.

Best BC Travel Insurance Plans

• SoNomad travel insurance : "Versatile coverage options"
• Allianz travel insurance : "Global assurance for your journey"
• TuGo travel insurance : "Adventure and all-inclusive choices"
• Desjardins travel insurance : "Reputable brand coverage"
• Manulife travel insurance : "Comprehensive protection for all travels"
• Sun Life travel insurance : "Flexible options for all types of travel"
• Blue Cross travel insurance : "Established provider with various plans"
• Medoc travel insurance : "Focus on emergency medical benefits"
• BCAA travel insurance : "Tailored coverage for BC explorers"

Top BC travel insurance plans in 2024

In general, the best travel insurance option depends on your specific needs, such as the type of trip, the level of coverage required and any pre-existing medical conditions. We compared plans from different companies and considered factors like reputation, coverage scope and pricing to help you choose the best option for your travel needs. Here are our top 9 picks for travel insurance for BC residents:

SoNomad travel insurance: Versatile coverage options

SoNomad travel insurance in Canada covers a wide range of expenses, including emergency medical expenses trip cancellation or interruption expenses, baggage loss or damage, personal liability coverage, trip delay insurance, emergency medical transportation, COVID-19-related expenses, such as medical treatment, quarantine and transportation.

SoNomad travel insurance is ideal for Canadian residents who are travelling outside of Canada or Canadian residents who are travelling within Canada, but who do not have a provincial health insurance plan. It’s also a good option for people who are travelling to countries with high medical costs.

• Competitive prices
• Easy to purchase and claim
• Covers a wide range of expenses
• Includes COVID-19-related expenses
• Some plans have high deductibles
• There may be exclusions for certain pre-existing conditions
• The policy may not cover all types of travel, such as adventure travel or cruises

If you would like to explore further and get a SoNomad travel insurance BC quote that is personalized to meet your unique needs, you can do so below and get results in a few moments.

Allianz travel insurance: Global assurance for your journey

Allianz travel insurance is a leading provider in Canada. With a strong international presence, Allianz can help travellers overcome language barriers and get quality medical care wherever they are.

Allianz Travel Insurance Canada offers a variety of coverage plans to fit any travel itinerary. The coverage per travel package is comprehensive and includes medical interventions, car rental protection and travel interruptions.

• Variety of plans to choose from, depending on your budget and travel needs
• Free coverage for dependent children under 17 years old
• Extensive coverage for long trips
• Easy access to customer service for assistance
• Lower coverage limits than some competitors
• Adventure and extreme sports activities not included

If you would like to explore further and get an Allianz travel insurance BC quote that is personalized to meet your unique needs, you can do so below and get results in a few moments.

TuGo travel insurance: Adventure and all-inclusive choices

TuGo is a Canadian travel insurance provider that offers a variety of plans to suit different needs and budgets. It offers emergency medical coverage of up to $10 million, trip cancellation/interruption, baggage loss, adventure sports and more. TuGo travel insurance also offers the Cancel for Any Reason (CFAR) upgrade, which allows you to cancel your trip for any reason and receive a full refund.

TuGo is a good option for snowbirds or frequent young travellers who also seek adventure activities. However, its all-inclusive plans are only available for those aged 59 years and under, making it not the best choice for older adults.

• TuGo travel insurance covers a wide range of expenses including rental car damage
• Offers emergency medical coverage, including doctor's visits, hospital stays and ambulance rides
• Has multi-trip plans for frequent travellers
• Can be purchased easily — online or through their customer service representatives
• Premiums can be higher than some other providers
• May not cover pre-existing medical conditions, depending on the severity of the condition
• Some customers reported delays or difficulties in processing claims
• The all-inclusive TuGo travel insurance plan has an age limit of 59
• People above 59 may need to purchase a different plan or provide a medical questionnaire

If you would like to explore further and get a TuGo travel insurance BC quote that is personalized to meet your unique needs, you can do so below and get results in a few moments.

Desjardins travel insurance: Reputable brand coverage

Desjardins is Canada's largest cooperative financial institution, with over 7.5 million members, mostly in Quebec and Ontario. It was founded in 1900 in Lévis, Quebec. Desjardins travel health insurance is therefore provided by a reputable company with a trusted history.

Its coverage includes a range of travel-related risks, such as emergencies like accidents, health, evacuations, trip cancellations, delays and more.

• Well-established and reputable company with a long history of providing financial services
• Desjardins members can get 3 days of complimentary coverage
• Free insurance on some credit cards
• Easy-to-use website and 24/7 customer service
• Penalty for not contacting assistance service
• Some advantages only for Desjardins members
• No online chatbox

Before you decide if Desjardins is the right pick for you, compare coverages, and the pros and cons of Canada's best travel insurance plans right here. You can use our HelloSafe comparator below and compare plans from the best providers and also get free quotes in no time.

Compare the best travel insurance plans on the market!

Manulife travel insurance: Comprehensive protection for all travels

Manulife travel insurance in Canada covers a wide range of expenses, including emergency medical expenses, trip cancellation or interruption expenses, baggage loss or damage, personal liability coverage, trip delay insurance and emergency medical transportation.

Manulife travel insurance is ideal for anyone who is travelling outside of Canada, whether for business or pleasure. It is also a good option for people who are travelling within Canada, but who do not have a provincial health insurance plan.

• Wide range of coverage

If you would like to explore further and get a Manulife travel insurance BC quote that is personalized to meet your unique needs, you can do so below and get results in a few moments.

Sun Life travel insurance: Flexible options for all types of travel

Sun Life is a well-regarded insurance company hailing from Canada, recognized for its assortment of insurance offerings, which encompass travel insurance as well. Its coverage encompasses emergency medical costs, trip cancellations, interruptions, loss of baggage and insurance against accidents during travel.

Families, individuals and groups of travellers alike will find appeal in its manifold coverage choices and a purchase process that is refreshingly unambiguous. Elderly individuals seeking travel insurance might find it relatively pricey due to the escalations in premiums that come with advancing age.

• An extensive array of coverage alternatives
• Provides robust coverage for exigent medical expenditures
• Simple and easy travel insurance process, catering to individuals, families and even groups embarking on journeys
• More exclusions and constraints compared to competing providers
• Might not extend coverage to pre-existing medical conditions, or the coverage for such conditions could be confined
• The claims process could prove cumbersome, potentially demanding substantial documentation from travellers

Blue Cross travel insurance: Established provider with various plans

Blue Cross travel insurance provides a range of coverage options including emergency medical expenses, trip cancellation/interruption, baggage loss and more. They offer various plans tailored to different types of travellers, such as individual, family, or senior travellers.

It offers courage for emergency medical expenses, trip cancellation/interruption, baggage loss, accidental death and dismemberment and travel assistance services. However, pre-existing medical conditions in some cases, risky activities and certain trip cancellation reasons are not covered.

• A well-known and established insurance provider with a strong reputation
• Caters to various types of travellers and offers comprehensive coverage options
• Offers flexibility in plans
• Limited coverage for pre-existing conditions
• Certain exclusions in cancellation coverage

MEDOC travel insurance: Focus on emergency medical benefits

If your primary concern is medical coverage while travelling, MEDOC specializes in offering comprehensive emergency medical benefits. Medoc travel insurance focuses on emergency medical coverage for travellers. It provides coverage for medical emergencies, evacuation and certain non-medical benefits.

While it offers great coverage options, it doesn’t cover pre-existing medical conditions, some adventure sports and certain non-medical trip interruptions.

• Strong emergency medical coverage
• Simple plans tailored to medical needs
• Limited coverage for non-medical aspects
• Pre-existing condition limitations

BCAA travel insurance: Tailored coverage for BC explorers

BCAA is a well-regarded insurance provider in BC, offering a range of coverage options for different types of travellers.

It offers various plans including emergency medical coverage, trip cancellation/interruption, baggage protection, accidental death and dismemberment and more. Its exclusions include pre-existing conditions, certain risky activities and non-medical trip interruptions.

• Established provider
• Multiple coverage options
• Some plans cover pre-existing conditions
• Limited coverage for pre-existing conditions in some plans
• Exclusions for risky activities

How much does travel insurance BC cost?

The cost of travel insurance in BC will vary depending on the company you choose, the type of coverage you need and your age and health. However, here is a general overview of the cost of travel insurance (for a 27-year-old BC resident travelling to India) from some of the top companies in BC:

Please note that these are just estimated prices for an all-inclusive package with a trip value of $1,000.00. The actual cost of travel insurance will vary depending on the factors mentioned above. It is important to get quotes from multiple companies before you buy a travel insurance policy. Here are some things to keep in mind when comparing travel insurance quotes:

• The level of coverage
• The deductible
• The maximum benefit
• The waiting period
• The exclusions

We recommend that you compare pricing, coverage, and exclusions from various policies before you decide upon one. All you need to do is simply use the HelloSafe comparator below and get free quotes tailormade to your unique needs, in just a few seconds.

What does travel insurance BC cover?

The coverage level for each of these travel insurance providers will vary depending on the specific plan you choose. However, here is a general overview of the coverage that is typically included:

These are just the maximum benefits for each coverage. The actual amount of coverage you receive will depend on the specific plan you choose.

What is travel trailer insurance BC plan?

Travel trailer insurance in BC is a type of insurance that covers your travel trailer against damage, theft and liability. It is similar to car insurance, but it is specifically designed for travel trailers.

Travel trailer insurance can be purchased through a variety of insurance companies, including ICBC, BCAA and Westland Insurance. The cost of insurance will vary depending on the make, model and value of your travel trailer, as well as your driving record and the level of coverage you choose.

The coverage that is typically included in travel trailer insurance includes:

• Physical damage: This coverage will pay for the cost of repairing or replacing your travel trailer if it is damaged in an accident, fire or other event.
• Theft: This coverage will pay for the cost of replacing your travel trailer if it is stolen.
• Liability: This coverage will pay for the cost of damages that you cause to other people or property while driving your travel trailer.
• Medical payments: This coverage will pay for the cost of medical expenses for people who are injured in an accident involving your travel trailer.
• Collision forgiveness: This coverage will waive your deductible if you are involved in an accident that is not your fault.
• Rental reimbursement: This coverage will pay for the cost of renting a replacement travel trailer if yours is damaged or stolen.

Do you need medical travel insurance in BC?

Yes, you need to purchase medical travel insurance if you are a British Columbian travelling outside of the province, even if you are only going to another part of Canada. This is because the British Columbia Medical Services Plan (MSP) does not cover medical expenses outside of the province.

There are many different travel insurance providers available, so it is important to compare plans before you buy. Some things to consider when comparing plans include:

• The level of coverage: Make sure the plan covers all of your medical expenses, including emergency hospitalization, doctor's visits and prescription drugs.
• The deductible: The deductible is the amount of money you will have to pay out of pocket before the insurance company starts paying.
• The maximum benefit: The maximum benefit is the total amount of money the insurance company will pay for your medical expenses.
• The waiting period: Some plans have a waiting period, which is the amount of time you have to wait before the insurance company starts paying for your medical expenses.
• The exclusions: Make sure you understand the exclusions, which are the types of medical expenses that are not covered by the plan.

Is there BC government employee travel insurance?

British Columbia government employees are eligible for group out-of-country and travel assistance coverage through Canada Life. This coverage includes:

• Emergency medical and dental services
• Emergency transportation
• Travel delay reimbursement
• Baggage loss or damage
• Trip cancellation or interruption

Employees can also purchase an optional emergency travel medical benefit, which provides additional coverage for medical expenses that occur during trips that begin and end in Canada. In addition to group coverage, BC government employees may also want to consider purchasing individual travel insurance. This can provide additional coverage for things like:

• Cancelling or postponing a trip due to a non-medical reason
• Lost or stolen passports or travel documents
• Trip interruption due to weather or other events
• Medical evacuation

If you'd like to explore policies that cover you beyond your government employee benefits or if you'd like to look for a policy with comprehensive coverage, you can do it right here. You can use the HelloSafe comparator below and get free personalised quotes from the best travel insurance providers.

5 tips to get cheap travel insurance BC plan

• Compare Quotes: Shop around and compare prices from different insurers. Use the HelloSafe comparator and get free quotes in seconds.
• Choose Basic Coverage: Opt for essential coverage that matches your trip needs.
• Travel Off-Peak: Plan your trip during less busy travel seasons for lower rates.
• Bundle with Existing Policies: Check if your existing insurance provider offers discounts for travel insurance.
• Increase Deductibles: Consider higher deductibles to lower premium costs.

Save up to 25% on your travel insurance with our partner soNomad

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Visitor to Canada Trip Plan

Our Visitors to Canada Travel plan provides protection against the high cost of emergency medical care for foreign visitors entering Canada

Before we start

Definitions, foreign workers and immigrants.

This insurance is available to foreign workers in Canada and to immigrants or persons who intend to file an application for immigrant status during their trip. For foreign workers, a valid proof of active work during the Period of coverage is required from the employer.

Foreign Students

This insurance is offered to foreign students in Canada. Registration as a full-time student in an educational institution is required during the Period of coverage.

Visitors To Canada

This insurance is offered to foreign persons visiting Canada.

Returning Canadians

This insurance is offered to returning Canadians that are not eligible for a government health insurance plan due to an extended leave.

• Visitor to Canada
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Are you buying this coverage prior to or within 30 days of your arrival in Canada?

Policies may only be purchased prior to or within 30 days of arrival.

If you wish to extend your existing Visitor to Canada Coverage you must contact us directly.

For more information or to extend your existing plan, please contact us at 1 800 873-2583 or email us .

Who is Visiting?

Complete this section if you are travelling alone and selected "Visitor to Canada" above.

Complete this section if you are travelling alone and a Foreign Student.

Complete this section if you are travelling alone and a Landed Immigrant OR a Foreign Worker.

Complete this section if you are travelling with one or more family members and selected "Visitor to Canada" above.

What is an Adult?

Adult means a person who is:

• 19 years of age or older, and
• not applying as a dependent.

What is a Dependent?

A dependent is defined as the child of the applicant, the applicant spouse, or both, over 30 days old before departure date, who is dependent on the contract holder, who is not married, and who is:

• under 21 years of age or;
• under 25 years of age and attends an educational institution full-time as a duly registered student, or;
• with disabilities

For a disabled dependent, 21 years of age or older, please call us at 1 800 873-2583 or 604 419-2200 in the Lower Mainland to purchase coverage.

Complete this section if you are travelling with one or more family members and a Foreign Student

Complete this section if you are travelling with one or more family members and a Landed Immigrant OR a Foreign Worker

Discount Eligibility

If you have a Pacific Blue Cross Extended Health Care and/or Dental plan you may be eligible to receive a discount off of your Travel Insurance premium during our sales promotions. Simply enter your Promotion code or your friend or relative’s extended health or dental policy number and any applicable discounts will be applied.

How long are you visiting for?

When this coverage is purchased prior to arrival in Canada, coverage becomes effective on the day you arrive.

If you wish to extend your existing Visitor to Canada Coverage you must contact us directly at 1 800 873-2583 or email us .

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With a presence in 44 countries, Allianz Global Assistance has been helping Canadians safely explore the world for over 30 years.

Our goal is to make your travel insurance experience simple from end to end, so you can focus on enjoying your next adventure.

Our Promise to You : All travel insurance plans offered by Allianz Global Assistance include a 10-day "Free Look" period.

Are you a Canadian resident travelling more than once a year? Our annual plan options might be a better fit for you. Select two or more trips to view our plan options.

Each traveller aged 65 and older is required to complete a medical screening to purchase a policy. To obtain a quote, please call us at 1-844-310-1578.

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With a presence in 44 countries, Allianz Global Assistance helps millions of travellers annually to travel safely and explore the world.

Minimum age for travellers is 15 days old. Maximum age is 89 years old.

Helping people is at the heart of what we do

Why buy travel insurance.

• If you have to cancel your trip for a covered reason , travel insurance may reimburse you for your prepaid, non-refundable trip costs. Without insurance, you may lose your vacation investment.
• If you experience a covered medical emergency abroad , travel insurance can help ensure you get the care you need and reimburse you for covered medical costs. Without insurance, any medical expenses outside of Canada will be your responsibility.
• If you have a covered travel delay , travel insurance may reimburse you for necessary, eligible expenses like hotels and meals. Without insurance, delays may be expensive.
• If you face an unexpected crisis , travel insurance gives you access to 24/7 Assistance Worldwide. Without insurance, you’re on your own.

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11 Best Travel Insurance Companies in June 2024

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

If the past few years have shown us anything, it’s that travelers need to be prepared for the unexpected — from a pandemic to flight troubles to the crowded airport terminals so many of us have encountered.

If you don't have sufficient travel insurance coverage via your credit card , you can supplement your policies with third-party plans.

Whether you’re looking for an international travel insurance plan, emergency medical care or a policy that includes extreme sports, these are the best travel insurance providers to get you covered.

How we found the best travel insurance

We looked at quotes from various companies for a 10-day trip to Mexico in September 2024. The traveler was a 55-year-old woman from Florida who spent $3,000 total on the trip, including airfare.

On average, the price of each company’s most basic coverage plan was $126.53. The costs displayed below do not include optional add-ons, such as Cancel For Any Reason coverage or pre-existing medical condition coverage.

Read our full analysis about the average cost of travel insurance so you can budget better for your next trip.

However, depending on the plan, you may be able to customize at an added cost.

As we continue to evaluate more travel insurance companies and receive fresh market data, this collection of best travel insurance companies is likely to change. See our full methodology for more details.

Best insurance companies

Types of travel insurance

What does travel insurance cover, what’s not covered, how much does it cost, do i need travel insurance, how to choose the best travel insurance policy, what are the top travel destinations in 2024, more resources for travel insurance shoppers.

Top credit cards with travel insurance

Methodology

Best travel insurance overall: berkshire hathaway travel protection.

Berkshire Hathaway Travel Protection

• ExactCare Value (basic) plan is among the least expensive we surveyed.
• Speciality plans available for road trips, luxury travel, adventure activities, flights and cruises.
• Company may reimburse claimants faster than average, including possible same-day compensation.
• Multiple "Trip Delay" coverage types might make claims confusing.
• Cheapest plan only includes fixed amounts for its coverage.

Under the direction of chair and CEO Warren Buffett, Berkshire Hathaway Travel Protection has been around since 2014. Its plans provide numerous opportunities for travelers to customize coverage to their needs.

At $135 for our sample trip, the ExactCare Value (basic) plan from Berkshire Hathaway Travel Protection offers protection roughly $10 above the average price.

Want something cheaper? Air travelers looking for inexpensive, less comprehensive protections might opt for a basic AirCare plan that includes fixed amounts for its coverage .

Read our full review of Berkshire Hathaway .

What else makes Berkshire Hathaway Travel Protection great:

Pre-existing medical condition exclusion waivers available at nearly all plan levels. 

Plans available for travelers going on a cruise, participating in extreme sports or taking a luxury trip.

ExactCare Value (basic) plan was among the least expensive we surveyed.

Best for emergency medical coverage: Allianz Global Assistance

Annual or single-trip policies are available.

• Multiple types of insurance available.
• All plans include access to a 24/7 assistance hotline.
• More expensive than average.
• CFAR upgrades are not available.
• Rental car protection is only available by adding the One Trip Rental Car protector to your plan or by purchasing a standalone rental car plan.

Allianz Global Assistance is a reputable travel insurance company offering plans for over 25 years. Customers can choose from a variety of single and annual policies to fit their needs. On top of comprehensive coverage, some travelers might opt for the more affordable OneTrip Cancellation Plus, which is geared toward domestic travelers looking for trip protections but don’t need post-departure benefits like emergency medical or baggage lost.

For our test trip, Allianz Global Assistance’s basic coverage cost $149, about $22 above average.

What else makes Allianz Global Assistance great:

Annual and single-trip plans.

Plans are available for international and domestic trips.

Stand-alone and add-on rental car damage product available.

Read our full review of Allianz Global Assistance .

Best for travelers with pre-existing medical conditions: Travel Guard by AIG

Travel Guard by AIG

• Offers last-minute coverage.
• Pre-Existing Medical Conditions Exclusion Waiver available at all plan levels.
• Plan available for business travelers.
• Cancel For Any reason coverage only available for higher-level plans, and only reimburses up to 50% of the trip cost.
• Trip interruption coverage doesn't apply to trips paid for with points and miles.

Travel Guard by AIG offers a variety of plans and coverages to fit travelers’ needs. On top of more standard trip protections like trip cancellation, interruption, baggage and medical coverage, the Cancel For Any Reason upgrade is available on certain Travel Guard plans, which allows you to cancel a trip for any reason and get 50% of your nonrefundable deposit back as long as the trip is canceled at least two days before the scheduled departure date.

At $107 for our sample trip, the Essential plan was below average, saving roughly $20.

What else makes Travel Guard by AIG great:

Three comprehensive plans and a Pack N' Go plan for last-minute travelers who don't need cancellation benefits.

Flight protection, car rental, and medical evacuation coverage, as well as annual plans available.

Pre-existing medical conditions exclusion waiver available on all plan levels, as long as it's purchased within 15 days.

Read our full review of Travel Guard by AIG .

Best for those who pack expensive equipment: Travel Insured International

Travel Insured International

• Higher-level plan include optional add-ons for event tickets and for electronic equipment
• Rental car protection add-on for just $8 per day, even on lower-level plan.
• Many of the customizations are only available on the higher-tier plan.
• Coverage cost comes in above average in our latest analysis.

Travel Insured International offers several customization options. For instance, those going to see a show may want to add on event ticket registration fee protection. Traveling with expensive gear?Consider adding on coverage for electronic equipment for up to $2,000 in coverage.

Be sure to check which policies are available in your state. You will need to input your destination, residence, trip dates and the number of travelers to get a quote and see coverages.

What else makes Travel Insured International great:

Comprehensive plans include medical expense reimbursement accidents, sickness, evacuation and pre-existing conditions, depending on the plan.

Flight plans include coverage for missed and canceled flights and lost or stolen baggage.

Read our full review of Travel Insured International .

Best for adventurous travelers: World Nomads

World Nomads

• Travelers can extend coverage mid-trip.
• The standard plan covers up to $300,000 in emergency evacuation costs.
• Plans automatically cover 200+ adventurous activities.
• No Cancel For Any Reason upgrades are available.
• No pre-existing medical condition waivers are available.

Many travel insurance plans contain exclusions for adventure sports activities. If you plan to ski, bungee jump, windsurf or parasail, this might be a plan to consider.

Note that the Standard plan ($72 for our sample trip), while the most affordable, provides less coverage than other plans. But it can be a good choice for travelers who are satisfied with trip cancellation and interruption coverage of $2,500 or less, do not need rental car damage protection, find the limits to be sufficient and do not need coverage for certain more adventurous activities.

What else makes World Nomads great:

Comprehensive international travel insurance plans.

Coverage available for adventure activities, such as trekking, mountain biking and scuba diving.

Read our full review of World Nomads .

Best for medical coverage: Travelex Insurance Services

Travelex Insurance Services

• Top-tier plan doesn’t break the bank and provides more customization opportunities.
• Offers a plan specifically for domestic travel.
• Sells a post-departure medical coverage plan.
• Fewer customization opportunities on the Basic plan.
• Though perhaps a plus for domestic travelers, keep in mind the Travel America plan only covers domestic trips.

For starters, basic coverage from Travelex Insurance Services came in at $125, almost exactly average for our sample trip.

Travelex’s plans focus heavily on providing protections that are personalized to your travel style and trip type.

While the company does offer comprehensive plans that include medical benefits, you can also choose between cheaper plans that don’t provide cancellation coverage but do offer protections during your travels.

Read our full review of Travelex Insurance Services .

What else makes Travelex Insurance Services great:

Three comprehensive plans available, two of which cover international trips.

Offers a post-departure plan geared exclusively toward disruptions after you leave home.

Two flight insurance plans available.

Best if you have travel credit card coverage: Seven Corners

Seven Corners

• Annual, medical-only and backpacker plans are available.
• Cancel For Any Reason upgrade is available for the cheapest plan.
• Cheapest plan also features a much less costly Interruption for Any Reason add-on.
• Offers only one annual policy option.

Each Seven Corners plan offers several optional add-ons. Among the more unique is a Trip Interruption for Any Reason, which allows you to interrupt a trip 48 hours after the scheduled departure date (for any reason) and receive a refund of up to 75% of your unused nonrefundable deposits.

» Jump to the best cards with travel insurance

The basic coverage plan for our trip to Mexico costs $124 — right around the average.

What else makes Seven Corners great:

Comprehensive plans for U.S. residents and foreigners, including travelers visiting the U.S.

Cheap add-ons for rental car damage, sporting equipment rental or trip interruption for any reason.

Read our full review of Seven Corners .

Best for long-term travelers: IMG

• Coverage available for adventure travelers.
• Offers direct billing.
• Claim approval can be lengthy.

While some travel insurance companies offer just a handful of plans, with IMG, you’ll really have your pick. Though this requires a bit more research, it allows you to search for coverage that fits your travel needs.

However, travelers will want to be aware that IMG’s iTravelInsured Travel Lite is expensive. Coming in at $149.85, it’s the costliest plan on our list.

Read our full review of IMG .

What else makes IMG great:

More affordable than average.

Many plans to choose from to fit your needs.

Best for travelers with unpredictable work demands: Tin Leg

• In addition Cancel For Any Reason, some plans offer cancel for work reason coverage.
• Adventure sports-specific coverage is available.
• Plans have overlap that can be hard to distinguish.
• Only one plan includes Rental Car Damage coverage available as an add-on.

Tin Leg’s Basic plan came in at $134 for our sample trip, adding about $8 onto the average basic policy cost. Note that you’ll pay a lot more if you shop for the most comprehensive coverage, and there are eight plans to choose from for trips abroad.

The multitude of plans can help you find coverage that fits your needs, but with so many to choose from, deciding can be daunting.

The only real way to figure out your ideal plan is to compare them all, look at the plan details and decide which features and coverage suit you and your travel style best.

Read our full Tin Leg review .

Best for booking travel with points and miles: TravelSafe

• Covers up to $300 redepositing points and miles on eligible canceled award flights.
• Optional add-on protection for business equipment or sports rentals.
• Multi-trip or year-long plans aren’t available.

Selecting your travel insurance plan with TravelSafe is a fairly straightforward process. The company’s website also makes it easy to visualize how optional add-on elements influence the total cost, displaying the final price as soon as you click the coverage.

However, at $136, the Basic plan was among the more expensive for our trip to Mexico.

What else makes TravelSafe great:

Rental car damage coverage add-on is available on both plans.

Cancel For Any Reason coverage available on the TravelSafe Classic plan.

Read our full TravelSafe review .

Best for group travel insurance: HTH Insurance

HTH Travel Insurance

• Covers travelers up to 95 years old.
• Includes direct pay option so members can avoid having to pay up front for services.
• A 24-hour delay is required for baggage delay coverage on the TripProtector Economy plan.
• No waivers for pre-existing conditions on the lower-level plan.

HTH offers single-trip and multitrip medical insurance coverage as well as trip protection plans.

At around $125, the Trip Protector Economy policy is at the average mark for plans we reviewed.

You can choose to insure group trips for educators, crew, religious missionaries and corporate travelers.

What else makes HTH Insurance great:

Medical-only coverage and trip protection coverage.

Lots of options for group travelers.

Read our full review of HTH Insurance .

As you shop for travel insurance, you’ll find many of the same coverage categories across numerous plans.

Trip cancellation

This covers the prepaid costs you make for your trip in cases when you need to cancel for a covered reason. This coverage helps you recoup upfront costs paid for flights and nonrefundable hotel reservations.

Trip interruption

Trip interruption benefits generally involve disruptions after you depart. It helps reimburse costs incurred for flight delays, cancellations and plenty of other covered disruptions you might encounter during your travels.

This coverage can cover the costs for you to return home or reimburse unexpected expenses like an extra hotel stay, meals and ground transportation.

Trip delay coverage helps cover unexpected costs when your trip is delayed. This is another coverage that helps offset the costs of flight trouble or other travel disruptions.

Note that many policies have a total amount a traveler can claim, with caps on per diem benefits, too.

Cancel For Any Reason

Cancel For Any Reason coverage allows you to recoup some of the upfront costs you paid for a trip even if you’re canceling for a reason not otherwise covered by your standard travel insurance policy.

Typically, adding this protection to your plan costs extra.

Baggage delay

This coverage helps cover the costs of essential items you might need when your luggage is delayed. Think toiletries, clothing and other immediate items you might need if your luggage didn’t make it on your flight.

Many travel insurance plans with baggage delay protection will specify how long (six, 12, 24 hours, etc.) your luggage must be delayed before you can make a claim.

Lost baggage

Used for travelers whose luggage is lost or stolen, this helps recoup the lost value of the items in your bag.

You’ll want to make sure you closely follow the correct procedures for your plan. Many plans include a maximum total amount you can claim under this coverage and a per-item cap.

Travel medical insurance

This covers out-of-pocket medical costs when travelers run into an emergency.

Because many travelers’ health insurance plans don’t cover medical care overseas, travel medical insurance can help offset out-of-pocket health care costs.

In addition to emergency medical coverage, many plans have medical evacuation or repatriation coverage for costs incurred when you must be taken to a hospital or return to your home country because of a medical situation.

Most travel insurance plans cover many trip protections that can help you be prepared for unexpected travel disruptions and expenses.

These coverages are generally aimed at protecting the money you put into your trip, expenses you incur because of travel trouble and costs incurred if you have a medical emergency overseas.

On top of core coverages like trip cancellation and interruption and travel medical coverage, some plans offer add-on options like waivers for pre-existing conditions, rental car collision damage waivers or adventure sports riders. These usually cost extra or must be added within a specified timeframe.

Typical travel insurance policies offer coverage for many unforeseen events, but as you research to select a plan, consider your needs. Though every plan differs, there are some commonly excluded coverages.

For instance, you typically can’t get coverage for a named storm if you bought the coverage after the storm was named. In other words, if you have a trip to the Caribbean booked for Sept. 25 and on Sept. 20 a hurricane develops and is named, you generally won’t be able to buy a travel insurance plan Sept. 21 in hopes of getting your money back.

Many plans also don’t cover activities performed under the influence of drugs or alcohol or any extreme sports. If the latter applies to you, you might want to consider a plan with specific coverages for adventure-seekers.

For numerous plans, a few other situations don’t qualify as an acceptable reason to cancel and make a claim, such as fear of travel, medical tourism or pregnancies (unless you booked a trip and bought insurance before you became pregnant or there are complications with the pregnancy). This is where a Cancel For Any Reason add-on to your coverage can be helpful.

You can also run into trouble if you give up on a trip too soon: a minor (or even multihour) flight delay likely isn’t sufficient to cancel your entire trip and get reimbursed through your plan. Be sure to review what requirements your specific plan has when it comes to canceling a trip, claiming trip interruption, etc.

Travel insurance costs vary widely. The final price of your plan will fluctuate based on your age, length of trip and destination.

It will also depend on how much coverage you need, whether you add on specialized policies (like Cancel For Any Reason or pre-existing conditions coverage), whether you plan to participate in extreme sports and other factors.

In our examples above, for instance, the 35-year-old traveler taking a $2,000 trip to Italy would have spent an average $76 for a basic plan to get coverage for things like trip cancellation and interruption, baggage protection, etc. That’s a little less than 4% of the total trip cost — lower than average.

If there were multiple members in a traveling party or if they were going on, say, a rock-climbing or bungee-jumping excursion, the costs would go up.

On average, travel insurance comes to about 5% to 10% of the trip cost. However, considering many of the plans reimburse up to 100% of the trip cost (or more) for disruptions like trip cancellation or interruption, it can be a worthwhile expense if something goes wrong.

It depends. Consider the following factors that might affect your decision: You’re young and healthy, all your bookings are refundable or cancelable without a penalty, your flights are nonstop, you’re not checking bags and a credit card you carry offers some travel protections . In that case, travel insurance might not be necessary.

On the other hand, if you prepaid a large chunk of money for a nonrefundable African safari, you’re going on a Caribbean cruise in the middle of a hurricane season or you’re going somewhere where the cost of health care is high, it’s not a bad idea to buy a travel insurance plan. Here’s how to find the best travel insurance coverage for you.

If you’re thinking of booking a trip and not planning to buy travel insurance, you may want to consider at least booking refundable airfare and not prepaying for hotel, rental car and activity reservations. That way, if something goes wrong, you can cancel without losing any money.

Selecting the best travel insurance policy comes down to your needs, concerns, preferences and budget.

As you book, take a few minutes to consider what most concerns you. Is it getting stranded because of flight trouble? Having the ability to cancel for any reason you see fit without losing money? Getting sick or injured right before departure and needing to postpone the trip? Injuring yourself or falling ill while overseas?

Ultimately, you want a plan that protects you, your money and the large investment in your trip — but doesn’t cost too much, either.

Medical coverage. If your priority is having adequate medical coverage abroad, you might want to look for plans with high limits for medical emergencies and medical evacuation.

Complex travel itinerary. If your itinerary has lots of flight connections, prepaid hotels and deposits for activities you can’t get back, prioritizing a plan with the best coverage for trip cancellations or interruptions may land at the top of your list.

Travel uncertainty. If you’re on the fence about a trip and have nonrefundable reservations, you may want to select a plan with a Cancel For Any Reason coverage option, which can help you recoup about 50% to 75% of the costs. This helps provide peace of mind, placing the decision on whether to travel entirely in your hands.

Car rentals. If you’re renting a car, a collision damage waiver is often worth looking into.

The following destinations are the top insured destinations in 2024, according to Squaremouth (a NerdWallet partner).

The Bahamas.

Costa Rica.

Antarctica.

In 2022, travelers spent about 25.53% more on trips than they did before the pandemic.

As of December, NerdWallet analysis determined travel prices are 10% higher than pre-pandemic. Each statistic makes a strong case for protecting your travel investment as you plan your next trip.

Bookmark these resources to help you make smart money moves as you shop for travel insurance.

What is travel insurance?

CFAR explained.

Is travel insurance worth getting?

10 credit cards that provide travel insurance.

We used the following factors to choose insurance providers to highlight:

Breadth of coverage: We looked at how many plans each company offered plus the range of their standard plans. 

Depth of coverage: We considered two data points to get a sense of how much each company pays out for common travel issues — the maximum caps for trip cancellation and trip interruption claims.

Cost: By looking at the costs for basic coverage across multiple companies, we determined an average cost for shoppers to benchmark plan prices against.

Customizability: While standard plans can cover a lot of ground, sometimes you need something a little more personal.

Customer satisfaction. Using data from Squaremouth when available, and Google Reviews as a backup, we can give kudos to companies with better track records from their clients.

No, it doesn’t necessarily get more expensive the longer you wait to purchase. However, as you put off buying insurance, you may lose access to potential plans and coverage options.

In general, buying travel insurance within a few days to two weeks of prepaying or making an initial deposit for your trip is your best bet. Assuming you’re not booking last-minute, this will provide you with access to the widest possible range of coverage options. It also helps prevent any medical conditions or storms that pop up between booking and buying a plan from ending up as excluded situations, which won’t be covered by your plan.

But, generally, many plans do allow you to buy coverage quite close to your departure date.

To get the most out of your travel insurance plan, buy it soon after making your initial prepayment or deposit to ensure you have access to the biggest menu of plans possible.

Select a plan that’s comprehensive enough to cover the travel scenarios you’re most concerned about or likely to encounter but not too expensive or laden with protections you’d never likely need.

Whatever your coverage, thoroughly review the plan so you understand what’s covered and what’s not, plus how to adhere to the plan’s rules for making a claim.

Travelers frequently use phrases like “trip insurance” and “travel insurance,” as well as “trip protection,” interchangeably, but they do mean different things, according to Stan Sandberg, founder of insurance comparison site TravelInsurance.com.

Trip insurance, or trip protection, generally refers to predeparture (or preevent) coverage if you need to cancel. You may see these plans sold by airlines, online travel agencies or even ticketed event sellers.

“You could refer to it as the portion that protects the investment in the trip,” Sandberg says.

A travel insurance plan typically includes that — plus more comprehensive benefits to protect you during your trip, from medical coverage to trip delay and lost baggage protections, and many more elements, depending on the plan.

Though travel insurance is typically not required for international trips, your personal circumstances will play a key role in whether it’s a good investment.

For instance, young, healthy travelers with few prepaid trip expenses embarking on a relatively risk-free trip may not see a need to buy a plan.

Older travelers with complicated itineraries who are visiting destinations where they could potentially fall ill or get injured — or who could encounter bad weather or some other disrupting factor along the way — may want to buy coverage.

Consider a few key questions:

How well would your health insurance plan cover you if you needed to visit a hospital overseas?

How much did you prepay for a hotel or rental car?

How much money would you be out if weather or some other flight issue derailed your itinerary?

Could you afford an unexpected night in a city where you have a connecting flight?

Do you already have a credit card that provides some travel protections?

Your answers to these questions can help you decide whether you need travel insurance for your international trip.

In general, buying travel insurance

within a few days to two weeks of prepaying or making an initial deposit

for your trip is your best bet. Assuming you’re not booking last-minute, this will provide you with access to the widest possible range of coverage options. It also helps prevent any medical conditions or storms that pop up between booking and buying a plan from ending up as excluded situations, which won’t be covered by your plan.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

On a similar note...

June 1, 2020

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Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A” (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. 101-C series or 101-P series, depending on your state of residence and plan chosen. A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best's 13 Financial Strength Ratings. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any Non-Insurance Assistance services purchased are provided through AGA Service Company. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Contact AGA Service Company at  800-284-8300 or 9950 Mayland Drive, Richmond, VA 23233 or [email protected] .

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Travel Insurance for everyone! We provide tailored travel insurance solutions around the unique needs of our individual clients.  Our leading edge is our extensive product line offering the most affordable rates to provide you and your family with solid protection.  Whether you are traveling outside of your home province or country, visiting Canada or looking for a personalized healthcare plan – we have you covered.

CANADIANS TRAVELING

Whether you’re traveling to another province or outside of Canada, make sure you have insurance should the unexpected happen.

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Planning a visit, moving to Canada or perhaps returning from a long stay abroad?  Get the coverage you will need before you arrive.

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Life is unpredictable.  Don’t risk becoming overloaded with out-of-pocket medical expenses.  Invest in a personalized healthcare plan today.

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Ready to get insured? In a few steps you can get a live quote and buy, everything online. Or you can talk to our specialists and they will find you the best coverage at the best rate.

THREE REASONS TO CHOOSE US

Our clients are our #1 priority. Offering world class customer service, we are always here to assist you.

Our solid systems and procedures secure you get the coverage you need no matter your medical conditions.

Our team will find you the best policy at the best rate by accessing most products in the market and exclusive programs.

Happy clients are the best form of advertising. Read more of our stellar reviews here .

Our unique circumstance was such that we couldn’t insure a particular risk while travelling. I looked for an insurance broker. The reviews I read here were favourable. We had a very good experience with Travel Guardian Insurance. They were able to find coverage that met our needs. We would easily do business with them anytime.  

I highly recommend this company, my grandma was told she wouldn’t be able to get travel insurance to go to asia, which would have been her last chance to go. travel guardian reviewed her medical history and got the proper supporting documentation and determined they could cover her. because of this company she has been able to go to asia twice to see her family. thanks travel guardian.

Christina M.

I highly recommend Travel Guardian Insurance. I am 85 and have, as expected, some issues. They were dealt with and although the premium was not inexpensive I will now travel, worryfree, knowing that I am completely covered. The representative, I had the pleasure of dealing with was patient, knowledgeable and professional . Thank you

The travel guardian team represents among the highest levels of customer service i have experienced in the industry. information is always accurate, turn around time to questions and quote requests always very fast. staff is always very clear and takes the time to be very detailed with clients to help them make an informed decision quickly, minimising the end to end time to make their process an excellent experience..

Margaret J.

We have been insuring with Travel Guardian for a number of years and been completely satisfied with the responsiveness and level of service provided. Additionally, we have from time to time compared Travel Guardian's prices with other providers and have always found the best price with Travel Guardian.

Need a travel insurance quote or have more questions contact us today..

No matter how much you plan before your vacation or travel, unforeseen circumstances can always dampen a trip. But don't worry — Travel Guardian Insurance is here for all your travel uncertainties with our exclusive range of Travel Insurance Plans.

Travel insurance is aimed to indemnify against potential dangers, emergency circumstances, and financial losses that may occur while travelling. Some of our policies cover missed flight arrangements and misplaced luggage and others cover accidents or acute diseases.

Our Travel Insurance policies will give you the right coverage for your specific needs — such as travel health insurance, baggage insurance and multi-trip benefits to keep you protected throughout your travels.

Travel Guardian Insurance prioritizes customer service. Our travel insurance specialists will guide you through our travel insurance plans and answer any questions you may have. We believe that age should never be a restriction to travelling! Coverage can account for health conditions with individual health plans.

Travel Guardian Insurance also offers travel insurance to young people and families. If your trip gets cancelled, a health issue arises, you have to travel internationally, or you wish to travel out of the province, look no further than Travel Guardian Insurance for affordable travel insurance plans.

Travel Guardian Insurance has been trusted by international travellers since 1991. Beginning in Ontario, we now have five offices across Canada. Our experts will get you the finest insurance at the fairest price!

Why choose Travel Guardian Insurance?

We make it simple to get the finest travel coverage plan for your trip. Finding low-cost, high-quality travel insurance can be challenging. Travel Guardian make the process easy and stress-free! Don't make travel insurance a frustrating process — our travel insurance specialists will guide you through the entire process.

We customize our travel insurance plans according to our client's specific requirements.

Travel Guardian Insurance can help you cover the costs of:

Medical expenses if you are injured while travelling or become sick.

Lost baggage or stolen valuables.

Travel disruption if your trip is cancelled, delayed or interrupted by events beyond your control (such as natural disasters).

Rescheduling expenses if you have to change your travel plans.

What do we offer?

Our competitive advantage is our wide product range, which offers the cheapest travel insurance rates to provide the best travel insurance coverage. We have you covered if you go outside your native province or country, visit Canada, or seek a customized healthcare plan. Our services for travel insurance include:

Canadians Travelling

Travelling to Canada

Individual Health Plans

If you are ready to be insured, you can receive a live quotation and fill everything online in just a few steps. Alternatively, you may talk to our specialists, who can help you find the best coverage at the lowest price.

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6 best travel insurance companies of June 2024

Travel insurance can protect you against a range of unforeseen events, from lost bags to medical emergencies..

Whether you're taking a family vacation to Disney World or a romantic cruise through the Mediterranean, travel insurance could help protect your trip from the unexpected. From trip cancellations and flight delays to medical emergencies, travel insurance could protect you financially and give you peace of mind.

There are several different types of travel insurance plans to choose from when shopping for a policy. Here are a few of the common coverage types:

• Trip cancellation coverage : Helps recoup travel expenses if you can't travel, though generally limited to specific reasons.  
• Travel delay coverage: Helps cover expenses if your travel is delayed due to a covered reason. 
• Trip interruption coverage: Helps if you need to cut your trip short. Covered reasons may include an injury or illness on the trip, or a family emergency at home. 
• Medical expenses and emergency evacuation coverage: This covers unforeseen medical expenses when traveling outside the U.S. where your health insurance may not work. Emergency evacuation could help get you home if medically needed while overseas. 
• Baggage loss: Covers baggage lost, damaged or stolen during your trip.

You'll also want to consider the prospective insurer's epidemic-related coverage. Each insurance company covers epidemic-related issues, such as Covid-19, differently, so check the fine print on a policy you're considering.  

CNBC Select analyzed dozens of different U.S. travel insurance products and narrowed down the top six for all sorts of travelers. (Read more about our methodology below.)

Best travel insurance companies

• Best for lost baggage and personal belongings: AXA Assistance USA travel insurance  
• Best for customization: Travel Guard travel insurance
• Best for cancellation coverage: Allianz travel insurance
• Best for travel medical plans: USI Affinity travel insurance
• Best for cruise insurance: Nationwide travel insurance
• Best for luxury travel: Berkshire Hathaway Travel Protection

Best for lost baggage and personal belongings 

Axa assistance usa travel insurance.

The best way to estimate your costs is to request a quote

Policy highlights

AXA Assistance USA offers several travel insurance policies that include travel interruption, trip cancellation, and the option of cancel for any reason (CFAR) coverage.

24/7 assistance available

• Three tiers of plans available
• Highly rated for financial strength
• Cancel for any reason only available on highest-tier coverage

AXA Assistance USA ’s travel insurance offers three different plans for travelers to choose from, with the most basic plans including trip interruption and cancellation and baggage and personal effects coverage. The platinum plan offers coverage for lost ski days and golf rounds, ideal for trips centering around those activities. 

Best for customization

Travel guard® travel insurance.

Travel Guard offers a variety of plans to suit travel ranging from road trips to long cruises. For air travelers, Travel Guard can help assist with tracking baggage or covering lost or delayed baggage.

• A variety of plans are available to help cover different types of trips
• Not all products are available for purchase online

For those wanting to cover an upcoming trip, Travel Guard is a strong option because of its variety of coverage types. With three base packages available online and more options available through a representative, there are a variety of ways to customize your policy. The deluxe, preferred and essential plans include coverage for one related child age 17 or younger.

Best for trip cancellation coverage

Allianz travel insurance.

10 travel insurance plans make it possible to customize your coverage. For families, Allianz's OneTrip Prime package covers children age 17 and younger when traveling with a parent or grandparent.

• Trip cancellation benefits can reimburse your prepaid, nonrefundable trip payments if you have to cancel your trip for one of the covered reasons stated in your plan documents. 
• Limited coverage for risky sports

Travelers who want the ability to cancel their trips will find 10 different travel insurance policies through Allianz . You can either purchase coverage for a specific trip or purchase an annual plan that covers an entire year's worth of trips. Instead of basic cancel for any reason coverage, Allianz offers a Cancel Anytime policy that can reimburse up to 80% of prepaid, non-refundable trip costs, while many other companies we reviewed cap "cancel for any reason" (CFAR) coverage at 75%. 

Best for travel medical plans

Usi affinity travel insurance.

USI Affinity has travel medical policies in addition to trip cancellation policies. Travel medical plans include an option for frequent travelers to cover multiple trips. Trip cancellation options include coverage for road trips and group travel.

• Wide variety of plans for both trip cancellation coverage and travel medical insurance
• CFAR only covers up to 70% of non-refundable trip costs

People who are traveling out of the country can find medical plans from USI Affinity to cover them during their travels. Frequent travelers can get an annual medical plan that covers them on multiple trips of 30 days or less. This company also has trip cancellation insurance policies in addition to global travel medical plans. 

Best for cruise insurance

Nationwide travel insurance.

Nationwide's wide coverage for travel insurance allows many different types of travelers to find coverage that fits their needs. Three levels of cruise insurance coverage gives extra options to cruise passengers.

• 10-day review period on cruise insurance policies to make sure the plan meets your needs (not available in NY or WA)
• Most basic cruise plan doesn't offer CFAR coverage

Those planning a cruise in the future might find cruise-specific travel insurance helpful. Nationwide offers cruise-specific insurance that can cover things like emergency accidents, sicknesses, itinerary changes and trip interruptions to start. Nationwide offers three tiers of cruise insurance (universal, choice and luxury) to get the right level of coverage for every type of trip. Nationwide offers a 10-day review period on its cruise policies (though unavailable in NY or WA), giving you extra time to look over the policy and ensure it’s a good fit. 

Best for luxury travel 

Berkshire hathaway travel protection.

Berkshire Hathaway Travel Protection has multiple plans to cover vacations from luxury travel to adventure travel. The brand's LuxuryCare offers the highest limits of travel insurance coverage offered by the company. Quotes and policies are available online.

• Wide variety of policies available
• Strong financial strength rating by AM Best
• Cancel for any reason only provides reimbursement for up to 50% of non-refundable trip payments

Since a luxury vacation is a large investment, insuring it could ensure that cost is covered if you have to cancel or have your trip interrupted. Berkshire Hathaway ’s LuxuryCare travel insurance has high limits of coverage for trip interruption coverage, medical expenses, and coverage for things like sporting equipment. Berkshire Hathaway also covers cruises and adventure travel with other separate plans. 

Travel insurance FAQs

How do i choose the best travel insurance .

The best travel insurance is one that will meet your needs, cover the type of travel you’re doing (and the experiences you’re planning) and will give you the peace of mind you need. 

Shopping around for travel insurance can help you make sure that you get the best deal possible. Since policies and coverage can vary by company, it could be helpful to get several quotes and compare the coverage limits and types available from several companies to find the best deal for your specific needs and trip. 

To simplify the shopping process, a travel insurance comparison site like InsureMyTrip or Squaremouth could help you understand how much you’ll spend and what types of insurance coverage are available for your trip. 

Is travel insurance worth it? 

Whether or not travel insurance is worth it could depend on the types of coverage you already have, including whether or not an existing travel credit card you hold could provide similar coverage, and whether that would cover your concerns. 

Some travel credit cards offer car rental insurance , baggage insurance, trip delay insurance, and trip cancellation and interruption insurance. In addition, others offer more coverage like travel accident insurance. 

The Chase Sapphire Reserve® , for example, offers travel accident insurance, emergency evacuation insurance, and coverage for baggage delays and lost luggage reimbursement. Several of CNBC Select’s top travel credit cards also offer some credit card travel insurance that could cover potential travel issues.

How much does travel insurance cost?

The average travel insurance costs between 4% and 10% of your prepaid, non-refundable trip costs, according to travel insurance marketplace InsureMyTrip . 

However, travel insurance costs vary based on the cost of the travel you’re insuring, as well as the age of the travelers and any extra coverage that’s added to the policy. 

Bottom line

Travel insurance can cover a range unexpected events on your trip, from lost baggage to emergency medical expenses. While costs vary based on age, type of coverage and trip costs, it can be useful if you need to cancel or cut your trip short.

Money matters — so make the most of it. Get expert tips, strategies, news and everything else you need to maximize your money, right to your inbox.  Sign up here .

Why trust CNBC Select?

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every travel insurance review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of travel insurance products . While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics. See our methodology for more information on how we choose the best travel insurance.

Our methodology 

To determine the best travel insurance companies, CNBC Select analyzed dozens of U.S. travel insurance companies that come with a wide variety of policies and offer coverage for many situations. 

When narrowing down the best travel insurance companies, we focused on the coverage available, including the number of plans available, 24/7 assistance availability and cancel for any reason (CFAR) coverage availability. We also considered financial strength ratings from AM Best and Better Business Bureau ratings for customer satisfaction. 

From there, we sorted our recommendations by the best overall and runner-up, best for cancellation coverage, best for travel medical plans, best for cruise insurance and best for luxury travel.

Note that the premiums and policy structures advertised for travel insurance companies are subject to fluctuate per the company’s policies.

Catch up on CNBC Select’s in-depth coverage of credit cards , banking and money . And follow us on TikTok , Facebook , Instagram and Twitter to stay up to date.

• Why I'm keeping my Chase Sapphire Reserve card Liz Knueven
• Federal student loan rates are soaring — are private loans the answer? Elizabeth Gravier
• Best homeowners insurance companies in California of 2024 Liz Knueven

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9 Best Travel Insurance Companies of 2024

According to our analysis of more than 50 travel insurance companies and hundreds of different travel insurance plans, the best travel insurance company is Travelex Insurance Services. In our best travel insurance ratings, we take into account traveler reviews, credit ratings and industry awards. The best travel insurance companies offer robust coverage and excellent customer service, and many offer customizable add-ons.

Travelex Insurance Services »

Allianz Travel Insurance »

HTH Travel Insurance »

Tin Leg »

AIG Travel Guard »

Nationwide Insurance »

Seven Corners »

Generali Global Assistance »

Berkshire hathaway travel protection ».

Why Trust Us

U.S. News evaluates ratings, data and scores of more than 50 travel insurance companies from comparison websites like TravelInsurance.com, Squaremouth and InsureMyTrip, plus renowned credit rating agency AM Best, in addition to reviews and recommendations from top travel industry sources and consumers to determine the Best Travel Insurance Companies.

Table of Contents

• Travelex Insurance Services
• Allianz Travel Insurance

Travel insurance can help you protect the financial investment you made in your vacation when unexpected issues arise. Find the best travel insurance for the type of trip(s) you're taking and the coverages that matter most to you – from interruptions and misplaced belongings to illness and injury.

• Travelex Insurance Services: Best Overall
• Allianz Travel Insurance: Best for Trip Interruptions
• HTH Travel Insurance: Best for Groups
• Tin Leg: Best Cost
• AIG Travel Guard: Best for Families
• Nationwide Insurance: Best for Last-Minute Travel Insurance
• Seven Corners: Best for 24/7 Support When Traveling
• Generali Global Assistance: Best for Medical Emergencies
• Berkshire Hathaway Travel Protection: Best for Specialized Coverage

Customizable upgrades are available, including car rental coverage, additional medical insurance and adventure sports coverage

Medical and trip cancellation maximum are not as high as some other companies

• 100% of the insured trip cost for trip cancellation; 150% for trip interruption
• Up to $1,000 in coverage for lost, damaged or stolen bags and personal items; $200 for luggage delays
• $750 in missed connection coverage
• $50,000 in emergency medical and dental coverage
• Up to $500,000 in emergency medical evacuation and repatriation coverage

SEE FULL REVIEW »

Annual and multitrip policies are available

Distinguishing between the company's 10 travel insurance plans can be challenging

• Up to $200,000 in trip cancellation coverage; $300,000 in trip interruption coverage
• $2,000 for lost, damaged or stolen luggage and personal effects; $600 for bag delays
• Up to $1,600 for travel delays
• Emergency medical coverage of up to $75,000
• Epidemic coverage

Generous coverage at the mid- and high-tier levels, and great group discounts

Preexisting conditions coverage is only available at mid- and high-tier plans

• 100% trip cancellation coverage (up to $50,000); 200% trip interruption coverage
• Up to $2,000 in coverage for baggage and personal effects; $400 in baggage delay coverage
• Up to $2,000 in coverage for trip delays; $1,000 for missed connections
• $500,000 in coverage per person for sickness and accidents

Variety of plans to choose from, including two budget-friendly policies and several more premium options

More limited coverage for baggage issues than other companies

• 100% trip cancellation protection; 150% trip interruption
• $500 per person for lost, stolen or damaged baggage and personal items
• Up to $2,000 per person in travel delay coverage ($150 per day); $100 per person for missed connections
• $100,000 per person in emergency medical coverage, including issues related to COVID-19

Travel insurance policy coverage is tailored to your specific trip

Information about policy coverage inclusions is not readily available without first obtaining a quote

• Trip cancellation coverage for up to 100% of your trip's cost; trip interruption coverage for up to 150% of the trip cost
• Up to $2,500 in coverage for lost, stolen or damaged baggage; $500 related to luggage delays
• Up to $1,000 in missed connection and trip delay coverage
• $100,000 in emergency medical coverage

Variety of plans to choose from and coverage available up to a day before you leave on your trip

Limited trip cancellation coverage even at the highest tier

• Trip cancellation coverage up to $30,000; trip interruption coverage worth up to 200% of the trip cost (maximum of $60,000)
• $2,000 for lost, damaged or stolen baggage; $600 for baggage delays
• Up to $2,000 for trip delays; missed connection and itinerary change coverage of $500 each
• $150,000 for emergency medical and dental issues

Customer service available 24/7 via text, Whatsapp, email and phone

Cancel for any reason coverage costs extra

• 100% trip cancellation coverage (up to between $30,000 and $100,000 depending on your state of residence); interruption coverage for up to 150% of the trip cost 
• Lost, stolen or damaged baggage coverage up to $2,500; up to $600 for luggage delays
• Trip delay and missed connection coverage worth up to $1,500
• Emergency medical coverage worth up to between $250,000 and $500,000 (depending on where you live)

Generous emergency medical and emergency evacuation coverage

Coverage for those with preexisting conditions is only available on the Premium plan

• 100% reimbursement for trip cancellation; 175% reimbursement for trip interruption
• $2,000 in coverage for loss of baggage per person
• $1,000 per person in travel delay and missed connection coverage
• $250,000 in medical and dental coverage per person

In addition to single-trip plans, company offers specific road trip, adventure travel, flight and cruise insurance coverage

Coverage for missed connections or accidental death and dismemberment is not part of the most basic plan

• Trip cancellation coverage worth up to 100% of the trip cost; interruption coverage worth up to 150% of the trip cost
• $500 in coverage for lost, stolen or damaged bags and personal items; bag delay coverage worth $200
• Trip delay coverage worth up to $1,000; missed connection coverage worth up to $100
• Medical coverage worth up to $50,000

To help you better understand the costs associated with travel insurance, we requested quotes for a weeklong June 2024 trip to Spain for a solo traveler, a couple and a family. These rates should help you get a rough estimate for about how much you can expect to spend on travel insurance. For additional details on specific coverage from each travel insurance plan and to input your trip information for a quote, see our comparison table below.

Travel Insurance Types: Which One Is Right for You?

There are several types of travel insurance you'll want to evaluate before choosing the policy that's right for you. A few of the most popular types of travel insurance include:

COVID travel insurance Select insurance plans offer some or a combination of the following COVID-19-related protections: coverage for rapid or PCR testing; accommodations if you're required to quarantine during your trip if you test positive for coronavirus; health care; and trip cancellations due to you or a family member testing positive for COVID-19. Read more about the best COVID-19 travel insurance options .

Cancel for any reason insurance Cancel for any reason travel insurance works exactly how it sounds. This type of travel insurance lets you cancel your trip for any reason you want – even if your reason is that you simply decide you no longer want to go. Cancel for any reason travel insurance is typically an add-on you can purchase to go along with other types of travel insurance. For that reason, you will pay more to have this kind of coverage added to your policy.

Also note that this type of coverage typically only reimburses 50% to 80% of your nonrefundable prepaid travel expenses. You'll want to make sure you know exactly how much reimbursement you could qualify for before you invest in this type of policy. Compare the best cancel for any reason travel insurance options here .

International travel insurance Travel insurance is especially useful when traveling internationally, as it can provide medical coverage for emergencies (in some cases for COVID-19) when you're far from home. Depending which international travel insurance plan you choose, this type of travel insurance can also cover lost or delayed luggage, rental cars, travel interruptions or cancellations, and more.

Cheap travel insurance If you want travel insurance but don't want to spend a lot of money, there are plenty of cheap travel insurance options that will offer at least some protections (and peace of mind). These are typically called a company's basic or standard plan; many travel insurance companies even allow you to customize your coverage, spending as little or as much as you want. Explore your options for the cheapest travel insurance here .

Trip cancellation, interruption and delay insurance Trip cancellation coverage can help you get reimbursement for prepaid travel expenses, such as your airfare and cruise fare, if your trip is ultimately canceled for a covered reason. Trip interruption insurance, on the other hand, kicks in to reimburse you if your trip is derailed after it starts. For instance, if you arrived at your destination and became gravely ill, it would cover the cost if you had to cut your trip short.

Trip delay insurance can help you qualify for reimbursement of any unexpected expenses you incur (think: lodging, transportation and food) in the event your trip is delayed for reasons beyond your control, such as your flight being canceled and rebooked for the next day. You will want to save your receipts to substantiate your claim if you have this coverage.

Lost, damaged, delayed or stolen bags or personal belongings Coverage for lost or stolen bags can come in handy if your checked luggage is lost by your airline or your luggage is delayed so long that you have to buy clothing and toiletries for your trip. This type of coverage can kick in to cover the cost to replace lost or stolen items you brought on your trip. It can also provide coverage for the baggage itself. It's even possible that your travel insurance policy will pay for your flight home if damages are caused to your residence and your belongings while you're away, forcing you to return home immediately.

Travel medical insurance If you find yourself sick or injured while you are on vacation, emergency medical coverage can pay for your medical expenses. With that in mind, however, you will need to find out whether the travel medical insurance you buy is primary or secondary. Where a primary policy can be used right away to cover medical bills incurred while you travel, secondary coverage only provides reimbursement after you have exhausted other medical policies you have.

You will also need to know how the travel medical coverage you purchase deals with any preexisting conditions you have, including whether you will have any coverage for preexisting conditions at all. Read more about the best travel medical insurance plans .

Evacuation insurance Imagine you break your leg while on the side of a mountain in some far-flung land without quality health care. Not only would you need travel medical insurance coverage in that case, but you would also need coverage for the exorbitant expense involved in getting you off the side of a mountain and flying you home where you can receive appropriate medical care.

Evacuation coverage can come in handy if you need it, but you will want to make sure any coverage you buy comes with incredibly high limits. According to Squaremouth, an emergency evacuation can easily cost $25,000 in North America and up to $50,000 in Europe, so the site typically suggests customers buy policies with $50,000 to $100,000 in emergency evacuation coverage.

Cruise insurance Travel delays; missed connections, tours or excursions; and cruise ship disablement (when a ship encounters a mechanical issue and is unable to continue on in the journey) are just a few examples why cruise insurance can be a useful protection if you've booked a cruise vacation. Learn more about the top cruise insurance plans here .

Credit card travel insurance It is not uncommon to find credit cards that include trip cancellation and interruption coverage , trip delay insurance, lost or delayed baggage coverage, travel accident insurance, and more. Cards that offer this coverage include popular options like the Chase Sapphire Reserve credit card , the Chase Sapphire Preferred credit card and The Platinum Card from American Express . 

Note that owning a credit card with travel insurance protection is not enough for your coverage to count: To take advantage of credit card travel insurance, you must pay for prepaid travel expenses like your airfare, hotel stay or cruise with that specific credit card. Also, note that credit cards with travel insurance have their own list of exclusions to watch out for. Many also require cardholders to pay an annual fee.

Frequently Asked Questions

The best time to buy travel insurance is normally within a few weeks of booking your trip since you may qualify for lower pricing if you book early. Keep in mind, some travel insurance providers allow you to purchase plans until the day before you depart.

Many times, you are given the option to purchase travel insurance when you book your airfare, accommodations or vacation package. Travel insurance and travel protection are frequently offered as add-ons for your trip, meaning you can pay for your vacation and some level of travel insurance at the same time.

However, many people choose to wait to buy travel insurance until after their entire vacation is booked and paid for. This helps travelers tally up all the underlying costs associated with a trip, and then choose their travel insurance provider and the level of coverage they want.

Figuring out where to buy travel insurance may be confusing but you can easily research and purchase travel insurance online these days. Some consumers prefer to shop around with a specific provider, such as Allianz or Travelex, but you can also shop and compare policies with a travel insurance platform. Popular options include:

• TravelInsurance.com: TravelInsurance.com offers travel insurance options from more than a dozen vetted insurance providers. Users can read reviews on the various travel insurance providers to find out more about previous travelers' experiences with them. Squaremouth: With Squaremouth, you can enter your trip details and compare more than 90 travel insurance plans from 20-plus providers.
• InsureMyTrip: InsureMyTrip works similarly, letting you shop around and compare plans from more than 20 travel insurance providers in one place. InsureMyTrip also offers several guarantees, including a Best Price Guarantee, a Best Plan Guarantee and a Money-Back Guarantee that promises a full refund if you decide you no longer need the plan you purchased.

Protect your trip: Search, compare and buy the best travel insurance plans for the lowest price. Get a quote .

When you need to file a travel insurance claim, you should plan on explaining to your provider what happened to your trip and why you think your policy applies. If you planned to go on a Caribbean cruise, but your husband fell gravely ill the night before you were set to depart, you would need to explain that situation to your travel insurance company. Information you should share with your provider includes the details of why you're making a claim, who was involved and the exact circumstances of your loss.

Documentation is important, and your travel insurance provider will ask for proof of what happened. Required documentation for travel insurance typically includes any proof of a delay, receipts, copies of medical bills and more.

Most travel insurance companies let you file a claim using an online form, but some also allow you to file a claim by phone or via fax. Some travel insurance providers, such as Allianz and Travel Insured International, offer their own mobile apps you can use to buy policies and upload information or documents that substantiate your claim. In any case, you will need to provide the company with proof of your claim and the circumstances that caused it.

If your claim is initially denied, you may also need to answer some questions or submit some additional information that can highlight why you do, in fact, qualify.

Whatever you do, be honest and forthcoming with all the information in your claim. Also, be willing to provide more information or answer any questions when asked.

Travel insurance claims typically take four to six weeks to process once you file with your insurance company. However, with various flight delays and cancellations due to things like extreme weather and pilot shortages, more travelers have begun purchasing travel insurance, encountering trip issues and having to submit claims. The higher volume of claims submitted has resulted in slower turnaround times at some insurance companies.

The longer you take to file your travel insurance claim after a loss, the longer you will be waiting for reimbursement. Also note that, with many travel insurance providers, there is a time limit on how long you can submit claims after a trip. For example, with Allianz Travel Insurance and Travelex Insurance Services, you have 90 days from the date of your loss to file a claim.

You may be able to expedite the claim if you provide all the required information upfront, whereas the process could drag on longer than it needs to if you delay filing a claim or the company has to follow up with you to get more information.

Travel insurance is never required, and only you can decide whether or not it's right for you. Check out Is Travel Insurance Worth It? to see some common situations where it does (and doesn't) make sense.

Why Trust U.S. News Travel

Holly Johnson is an award-winning content creator who has been writing about travel insurance and travel for more than a decade. She has researched travel insurance options for her own vacations and family trips to more than 50 countries around the world, and has experience navigating the claims and reimbursement process. In fact, she has successfully filed several travel insurance claims for trip delays and trip cancellations over the years. Johnson also works alongside her husband, Greg, who has been licensed to sell travel insurance in 50 states, in their family media business.

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Canada Travel Guide

Last Updated: April 29, 2024

Canada is often skipped over on many round-the-world trips owing to its proximity to the US, poor flight connections, and few budget cross-country travel options.

But those people miss out on so much! Canada is one of the best countries in the world for RVing and road trips and it’s brimming with outdoor activities for all levels. Backpacking Canada is an amazing experience.

I love my friendly neighbor to the north and believe Canada is a really underrated destination. There’s a reason everyone around the world loves Canadians after all.

To top it all off, it’s also easy to get a working holiday visa here so you can stay longer and make money while you explore (there are huge seasonal industries across the country).

This travel guide to Canada can help you plan your trip, save money, and make the most of your visit to this friendly natural wonderland!

Table of Contents

• Things to See and Do
• Typical Costs
• Suggested Budget
• Money-Saving Tips
• Where to Stay
• How to Get Around
• How to Stay Safe
• Best Places to Book Your Trip
• Related Blogs on Canada

Click Here for City Guides

Top 5 things to see and do in canada.

1. Tour Toronto

Toronto is often considered the most multicultural city in the world, as over half of the city’s population is foreign-born. It’s an awesome, hip, artsy city. Don’t miss Kensington Market for good eats and cool shops, and there are plenty of tasty eats to be found in the city’s massive Chinatown as well. If you want to play tourist, head up the CN Tower for the best views of the city. For a bit of swimming in the summer, check out some of Canada’s easily accessible beaches on Lake Ontario where you can go kayaking, windsurfing, stand-up paddle boarding, and more. And if you’re traveling with kids, don’t miss the nearby amusement park Wonderland.

2. Explore Jasper and the Columbia Icefield

The Icefields Parkway connects Banff and Jasper in Western Canada and is one of the most scenic drives in the country (if not the world). Stop along the way at the Columbia Icefield, an enormous icefield that feeds into eight glaciers. You can travel onto the 10,000-year-old Athabasca Glacier where you can hike around and even drink from the crystal-clear icy glacial water. If you’re not squeamish about heights, walk out to the cliff-top glass-floored Skywalk to get a spectacular panorama of the entire area. It’s easy to reach via an enormous bus or opt for a hiking tour where you can walk the glacier. There’s even a restaurant at the top that’s a bit expensive but worth at least a coffee for the view.

3. Road trip the Maritimes

Newfoundland, Prince Edward Island, Nova Scotia, and New Brunswick make up Canada’s east coast. If you want to spend your days hiking, relaxing by the ocean, and whale watching, this is the place to do it. Nova Scotia is sometimes considered the most beautiful province with rolling hills leading to lush green coastal cliffs over frothy shores. There are colorful little fishing villages like Lunenburg, a UNESCO World Heritage Site considered one of the “Prettiest Painted Places in Canada.” It boasts delicious fresh seafood and friendly locals to chat with. Be sure to set aside a few days for an incredible road trip on the 298-kilometer (185-mile) Cabot Trail around Cape Breton and spend in the Highlands National Park where you can hike, camp, or fish. The east coast is stunning and sees very few tourists compared to other areas of the country.

4. Hang out in Montreal

Montreal offers a look at the French side of the country. Old Montreal is thriving with culture and a mix of old and new architecture within its European-style cobblestone streets, the Notre Dame Cathedral, museums, and river cruises. The other side of Montreal is extremely modern with an underground city and mall, funky jazz clubs, and amazing cuisine, which make this the hippest and most romantic city in the country. It’s also cheaper than most of the other large cities in Canada. Don’t forget to try the poutine and bagels when you visit!

5. Have fun in Vancouver

Other things to see and do in canada, 1. celebrate the calgary stampede.

During July, over 1 million people descend on Calgary for this multi-day rodeo, drinking festival, and carnival where everyone gets to be a cowboy. It’s a lot of fun, and you’ll meet tons of people from around the world. It’s one of Canada’s premier events so book early — prices rise and accommodation disappears fast! Also, wear cowboy boots and a hat if you want to fit in.

2. Hit the slopes

The mountains in Canada offer great skiing and snowboarding during the winter. Banff is a popular mountain town known for its excellent trails. It’s quite busy during the winter as locals and visitors alike hit the slopes, but it’s popular for a reason. While Banff is the most popular place to go, there are tons of other great skiing destinations in the country. Sunshine Village, Whistler Blackcomb, Lake Louise, Kicking Horse, and Mont Tremblant are just a few to check out (they stretch from British Columbia to Quebec so you’ve got lots of choices).

3. Discover Vancouver Island

Take a few days off from Vancouver to explore nearby Vancouver Island . Eat delicious seafood, hike, spot some whales (lots of orcas live near here), shop, and lounge on the beach. This is a place to just sit and relax. Since it is so close to Vancouver, it’s a popular getaway with the locals during the summer. Victoria, the capital of British Columbia, is located on the island. It’s a quiet but gorgeous little city worth a couple days of exploring. From here you can also visit places like Tofino, where the bustling surf community has evolved into a fun hippie town. If you’d rather hike an incredible yet challenging trail, the West Coast Trail is famous for its rugged beach and rainforest trails, man-made ladders through the trees, and rare wildlife.

4. Hike the rainforest

Hike the Pacific Rim National Park for a wonderful look at some temperate rainforests on Vancouver Island. It’s one of the most popular parks in Canada, home to Western Red Cedars, Pacific Silver Firs, and tons of wildlife including deer, wolves, bears, and cougars. The Long Beach area is one of the most accessible places for hiking, but the sand dunes behind Wickaninnish Beach on the South Beach Trail are also worth the trek.

5. Explore Calgary

Often skipped over by travelers since it’s not on the coast, Calgary actually has a lot to offer when it comes to free and low-cost activities. Have a picnic in one of its many parks, go rollerblading, watch a hockey game, or head up to the top of the surrounding peaks. There’s great hiking, kayaking, skiing, water rafting, and camping here and you can easily rent a bike and explore the city via its many bike paths. Although it’s been long dismissed as an oil town, it’s one of the liveliest cities in Canada.

6. Visit the galleries of Toronto

Toronto has some of the best museums and galleries in the country, so take a day or two to admire the art of the city. The Royal Ontario Museum (ROM) and the Art Gallery of Ontario (AGO) are the two most famous art museums, but there are a plethora of smaller, specialty galleries too, like the Textiles Museum of Canada and the Museum of Contemporary Art. Galleries often offer discounts on certain days of the week, so check before you go to save some cash.

7. Take a road trip

This huge country is best explored by car or RV. It’s the ideal way to find yourself in tiny little towns, majestic mountains, amazing countryside, and plenty of off-the-beaten-track places. If you have a lot of time, this is your best and cheapest option to see the country. The Trans-Canada Highway stretches from coast to coast, making a road trip relatively easy to plan. Just keep in mind that the weather can be unpredictable (especially in the winter). Of course, you’ll have to keep your eyes peeled for wildlife and you’ll want to be prepared for long stretches of driving without any rest stops or gas stations. However, it’s worth it — the changing landscapes and scenic vistas are out of this world! you could easily spend weeks or months touring the country and still barely scratch the surface. For the best car rental prices, use Discover Cars .

8. Stroll the nation’s capital

Ottawa is a very easy city to explore on foot. Home to museums, art galleries, and plenty of shops, it’s a charming city worth visiting for a couple days. You can take a tour of Parliament Hill (the historic buildings where the Canadian government operates) or cross the Ottawa River and visit Quebec (the great Museum of Civilization is just across the bridge). The Canadian War Museum and the National Gallery of Canada are two must-visit museums in Ottawa. Also, don’t miss the busy Byward Market, and be sure to check out the craft breweries in Westboro. Try a beavertail (a sweet pastry with sugary toppings) when you’re here!

9. Get off the beaten path in Nova Scotia

The locals boast that Nova Scotia is home to the friendliest people in Canada. They might be right. That, combined with over 100 beaches, picturesque lighthouses, great sailing, mouth-watering seafood (this area of Canada is the main fishing region), and a marvelous coastline, makes Nova Scotia an amazing place to visit in Canada. Plus, the province doesn’t see lots of tourists so it’s far less crowded and unspoiled compared to other regions. It’s perfect for road trips and camping.

10. Admire Quebec City

Quebec City’s Old Town offers cobblestone walkways, well-preserved 17th-century architecture, and the only North American fortress, the Citadel. The historical Quartier Petit Champlain is stunning and gives you an authentic French feeling with little cheese shops, bistros, creperies, and boutiques. It’s especially magical in December as it’s fully decorated with twinkling lights, snow-covered canopies, and lined with beautiful Christmas trees. In the warm weather, you can easily lose track of time wandering the streets admiring the flowers everywhere and colorful window shutters and storefronts. Don’t forget to sample the local ice ciders, head out for drinks on Grande Allée, and explore the streets below the stunning Château Frontenac.

11. Visit Kelowna

Warm in the summer and mild in the winter, this glacial valley has some of the best weather in the entire country. It’s no wonder that this is where many Canadians spend their vacations. There’s a marina and a few golf courses, not to mention that the Okanagan Valley is home to Canada’s best vineyards and wineries (a four-hour wine tour costs around 125 CAD). In the summer, Canadians rent fancy houseboats complete with waterslides to vacation on nearby Okanagan Lake. Overall, this is just a gorgeous slice of the country that shouldn’t be missed.

12. Head north to Churchill, Manitoba

This might be a small town in the middle of nowhere, but it also happens to be the Polar Bear Capital of the World, the Beluga Whale Capital of the World, and one of the best places to view the Aurora Borealis. You can ride in a tundra buggy (a special bus raised on giant wheels to keep you out of reach from polar bears) and head out on the open plains to see polar bears in their natural habitats. Mother nature is alive and thriving here. Day tours in a tundra buggy during the summer start at around 250 CAD, including lunch.

13. See the iconic Niagara Falls

This is one of the most visited attractions on the entire continent. You can never imagine how big it is until you see it up close (you never envision so much mist either). To see it up close, on a boat tour and head out into the waterfalls (be prepared to get soaked). Walks runs a daily boat tour that has exclusive access to the best spots and includes access to behind the falls (tours are 107 CAD). The town itself is touristy and cheesy so don’t spend more than a day or two (it’s fun for kids though).

14. Get lost in the Yukon

The Yukon is the perfect place to get your nature fix. The chances of seeing a bear, elk, or deer are incredibly high (or you can tour the Yukon Wildlife Preserve, where you’re guaranteed to see them). Go hiking in Tombstone Territorial Park, soak in a mineral hot pool at the Takhini Hot Springs, or swing by the Sign Post Forest with its unique collection of over 77,000 signposts. Hardly anyone ever visits the Yukon as visitors tend to stick to the major cities in the south of the country. Because of that, you’ll find yourself surrounded by unspoiled nature.

  For more information on specific cities in Canada, check out these guides:

• Calgary Travel Guide
• Montreal Travel Guide
• Nova Scotia Travel Guide
• Ottawa Travel Guide
• Quebec City Travel Guide
• Toronto Travel Guide
• Vancouver Travel Guide
• Vancouver Island Travel Guide

Canada Travel Costs

Accommodation – Rates vary a lot depending on what city you’re staying in. On average, you’ll end up paying 35-45 CAD per night for a dorm room at a hostel. Expect to pay at least 90-120 CAD for a budget hotel room. Prices rise drastically in larger cities (notably Vancouver, Toronto, and Ottawa).

Airbnb is available across the country, rivaling budget hotels for price and convenience. Expect to pay an average of 60-90 CAD per night for a private room, while entire homes/apartments start around 100 CAD. Keep in mind that many smaller towns won’t have many options. However, there are usually locally owned hotels or motels that are generally quite cheap. Also, Airbnb prices can double (or triple) when not booked in advance so book early.

If camping is your thing, you’ll have plenty of options across the country. Prices vary depending on the grounds but expect to pay between 25-35 CAD per night for a basic pitch for two people. Many of the major national and provincial campgrounds sell out early in the summer, so be sure to book in advance during the peak season (June-August).

Food – Overall, the food here is a collage of dishes from other cultures, owing to the country’s diverse history of immigration. On the coasts, seafood is king while the prairies have more of a meat and potatoes diet. Be sure to sample some of Canada’s famous staples like poutine (fries with gravy and cheese curds), beaver tails (fried dough with maple syrup), Canadian bacon, and the oddly tasty ketchup chips.

Overall, food can be inexpensive if you stick to cooking for yourself, eating street food, and dining at cheap fast-food places. Cheap sandwich shops and fast food are your best bet, usually costing less than 13 CAD per meal.

Pizzas cost 15-20 CAD while Asian food is usually 10-15 CAD for a main dish.

A meal out at a casual restaurant costs 20-35 CAD for a main dish and a drink. Casual fine dining costs double that.

Beer is around 7 CAD while a latte/cappuccino is around 4.60 CAD. Bottled water costs 2 CAD.

If you cook your own food, expect to pay 50-75 CAD per week for groceries. This gets you basic staples like rice, pasta, veggies, and some meat or fish.

Backpacking Canada Suggested Budgets

How much does it cost to visit Canada? Well, it’s complicated. How much you spend largely depends on where in Canada you’re going to visit. For example, Canada’s biggest cities like Toronto, Ottawa, and Vancouver are considerably more expensive than the smaller ones (like Halifax, St. John’s, and Quebec City). The rural areas are even cheaper but getting around costs more as you may need to rent a car or take expensive buses.

On a backpacking budget, you should plan to spend around 70 CAD per day. This assumes you’re staying in a hostel dorm, cooking all your meals, using public transportation, limiting your drinking, and sticking to free activities like hiking and enjoying nature.

On a mid-range budget of 185 CAD per day, you can stay in a private Airbnb, take buses between destinations, eat out for most meals, enjoy a few drinks, and do more paid activities like visiting museums or taking a food or wine tour.

On a “luxury” budget of 310 CAD per day or more, you can stay in a hotel, eat out for all your meals, drink more, rent a car to get around, and do whatever tours and activities you want. This is just the ground floor for luxury though, the sky is the limit!

You can use the chart below to get some idea of how much you need to budget daily, depending on your travel style. Keep in mind these are daily averages — some days you’ll spend more, some days you’ll spend less (you might spend less every day). We just want to give you a general idea of how to make your budget. Prices are in CAD.

Canada Travel Guide: Money-Saving Tips

Given the size of Canada, there are plenty of ways to save money when you travel, but it varies by region (as I’ve been repeating). The general tips below can help but for specific tips visit our city guides!

• Stay with a local – As Canada is not the most budget-friendly destination owing to its inconvenient size, you’ll be able to cut down on your costs by using Couchsurfing . While not huge in smaller towns, you won’t have a hard time finding a host in the major cities. Just be sure to plan ahead during the summer as that is prime tourist season and it’s much harder to find a host then.
• Enjoy outdoor summer festivals – Since Canadians are stuck indoors all winter, they love to make the most of hot days by packing in lots of festivals into the short summer. Many of these, like Heritage Days (Edmonton), Kits Days (Vancouver), and Caribana (Toronto), are free. Check out upcoming events online by visiting the local tourism board’s website.
• Embrace the outdoors – A vast country with a relatively minuscule population leaves lots of potential for outdoor activities. Rent a pair of cross-country skis or snowshoes in the winter and enjoy the free use of many trails (versus expensive downhill lift passes). In the summer, you can bike, hike, kayak, or canoe. The cost of most equipment rentals is around 25-100 CAD for a day, and you can explore many areas at no further cost.
• Take the bus – Megabus runs in Ontario and Quebec (with connections into the U.S., including NYC). You can find tickets for as little as 1 CAD if booked in advance. This is the most affordable way to get between Toronto and Montreal (or into the U.S.).
• Use ride-sharing services – If you are going to be traveling between cities or provinces, keep an eye out for people sharing their vehicles. Craigslist, Couchsurfing, Kangaride, and Facebook all have ride-share pages for most major cities. If you can find someone traveling in your direction you can tag along and share the cost of gas.
• Eat street food – Every major Canadian city has plenty of street vendors selling hot dogs, sausages, and veggie dogs for as little as 3 CAD. You won’t find a cheaper lunch!
• Take a free walking tour – Most major cities in Canada offer free walking tours. They are a great way to explore and get a feel for each location and its history. Most last a couple of hours and don’t need to be booked in advance. Just remember to tip your guide at the end!
• Buy gas on native reserves – If you are driving around the country, keep your eyes peeled for native reserves — they are the cheapest places to buy gas in Canada. With lower taxes, you’ll find gas prices significantly cheaper than anywhere else. They are also great places to stop and experience the vibrant cultures of Canada’s First People.
• Bring a water bottle – The tap water here is safe to drink so bring a reusable water bottle to save money. LifeStraw makes a reusable bottle with a built-in filter to ensure your water is always safe and clean.

Where to Stay in Canada

Hostels are not that plentiful across Canada, but generally, they’re high quality and clean. Here are my suggested places to stay in Canada:

• The Only Backpacker’s Inn (Toronto)
• The Parkdale Hostellerie (Toronto)
• Cambie Hostel Gastown (Vancouver)
• Samesun Vancouver (Vancouver)
• HI Calgary City Centre (Calgary)
• HI Lake Louise (Banff)
• HI Montreal Hostel (Montreal)
• Alexandrie-Montréal (Montreal)

How to Get Around Canada

Public transportation – Within city limits you’ll find great public transportation networks. Toronto and Montreal are the only two cities in Canada with subway systems (although Vancouver has SkyTrain), but even the smallest Canadian cities have extensive bus routes. It usually costs about 3.25 CAD for a one-way ticket.

Larger cities have passes designed for tourists to make the most of the metro system. For example, Toronto has a daily pass for unlimited travel for 13.50 CAD.

Bus – There’s no singular country-wide bus system here. Instead, regional operators vary per location. Megabus is the cheapest option when it comes to traveling between cities in Ontario and Quebec. Fares can be as low as 1 CAD if booked in advance. Red Arrow is primarily an Alberta coach line. On the east coast, Maritime Bus is the main coach company (except in Newfoundland where it’s DRL Group).

Toronto to Ottawa costs about 30-50 CAD with Flixbus, while Ottawa to Montreal is around 35-50 CAD. A longer ride — like the 13-hour drive from Calgary to Vancouver — costs around 125-165 CAD.

To find bus routes and prices, use BusBud .

Train – There is a train service (VIA Rail) that runs from coast to coast and is very scenic, albeit not cheap. Many train routes are currently suspended or running with limited space due to COVID-19, meaning that journeys take even longer. It takes over 24 hours to get from Halifax to Ottawa, costing about 150-170 CAD. On the other hand, shorter routes like between Montreal and Quebec City (a 3.5-hour journey) are more affordable and start at 36 CAD.

Flying – As your last alternative, you can fly, but since the country has only two major airlines (WestJet and Air Canada) prices are often high. Round-trip flights from Toronto to Vancouver usually start at around 200 CAD when booked early but they can easily cost triple that price. Round-trip from Ottawa to Calgary is around 270 CAD, but again, this is when booked in advance. Expect to pay at least double that price if you don’t book early.

Overall, flying is worthwhile only if you want to see specific cities and have limited time. For shorter routes (like Montreal to Ottawa) you’ll save a lot of money if you just take the bus or train.

Car Rental – If you’re going between provinces or staying a while in the country, consider renting a car for 35-50 CAD per day. This is one of the best, most convenient ways to get around the country — especially if you’re interested in getting out of the cities and into Canada’s wilderness (ideally if you have someone to share the cost with too).

For the best car rental prices, use Discover Cars .

Ridesharing – If you are traveling between cities or provinces, keep an eye out for people sharing their vehicle. Check these websites for rides:

• Couchsurfing

When to Go to Canada

Since Canada is such a large country, climate and temperature vary drastically from coast to coast. Canada has very defined seasons, and winter can be harsh and long in some places. For example, winters in the Northern Territories begin early and end late, and places like Newfoundland and Labrador can experience snow until late May.

On the other hand, winter in the Canadian Rockies is epic and people from all over the world flock to British Columbia and Alberta to hit the slopes around Whistler, Banff, and Revelstoke. Prepare for cold temperatures, though. In some places, like on the prairies, it can get as cold as -40°C (-40°F). In short, only visit in the winter if you’re planning to do winter sports.

Summer in Canada is beautiful, but it’s also the busiest time of year. June to the end of September is the main tourist season, with inflated prices and large crowds. On the other hand, the temperatures are lovely during this time, often in the high 20s°C (70s°F). There are music festivals galore and it’s a great time to hike, bike, and explore the Great Lakes.

Shoulder season is also a fantastic time to visit Canada, although spring (March-June) can be quite wet. Fall (September-October) is highly recommended, as temperatures are still warm enough and the autumn foliage is really something special. Quebec and the Atlantic Provinces are well worth an autumn trek.

How to Stay Safe in Canada

Canada is a safe place to backpack and travel — even if you’re traveling solo, and even as a solo female traveler. Violent attacks are rare and tend to be confined to certain areas (generally where drug and gang violence are a problem). You may encounter petty crime, like theft, around popular tourist landmarks, though that isn’t super common. Nevertheless, always keep an eye on your belongings, especially while taking public transportation, just to be safe.

Solo female travelers should feel safe here, however, the standard precautions apply (never leave your drink unattended at the bar, never walk home alone intoxicated, etc.).

If visiting in the winter, dress warmly. It gets so cold here that people literally freeze to death so take precautions and always keep an eye on the forecast.

If you’re going out hiking, always check the weather beforehand and ensure you have enough water. Bring sunscreen and a hat too. It can get humid here!

Canada’s cannabis legalization has a whole lot of rules and restrictions. The CBC has a great outline on everything you need to know if you’re thinking of consuming cannabis while in Canada.

Scams here are rare, but it never hurts to be prepared. Read about common travel scams to avoid here if you’re worried about getting ripped off.

If you experience an emergency, dial 911 for assistance.

The most important piece of advice I can offer is to purchase good travel insurance. Travel insurance will protect you against illness, injury, theft, and cancellations. It’s comprehensive protection in case anything goes wrong. I never go on a trip without it as I’ve had to use it many times in the past. You can use the widget below to find the policy right for you:

Canada Travel Guide: The Best Booking Resources

These are my favorite companies to use when I travel. They consistently have the best deals, offer world-class customer service and great value, and overall, are better than their competitors. They are the companies I use the most and are always the starting point in my search for travel deals.

• Skyscanner – Skyscanner is my favorite flight search engine. They search small websites and budget airlines that larger search sites tend to miss. They are hands down the number one place to start.
• Hostelworld – This is the best hostel accommodation site out there with the largest inventory, best search interface, and widest availability.
• Booking.com – The best all around booking site that constantly provides the cheapest and lowest rates. They have the widest selection of budget accommodation. In all my tests, they’ve always had the cheapest rates out of all the booking websites.
• Get Your Guide – Get Your Guide is a huge online marketplace for tours and excursions. They have tons of tour options available in cities all around the world, including everything from cooking classes, walking tours, street art lessons, and more!
• SafetyWing – Safety Wing offers convenient and affordable plans tailored to digital nomads and long-term travelers. They have cheap monthly plans, great customer service, and an easy-to-use claims process that makes it perfect for those on the road.
• LifeStraw – My go-to company for reusable water bottles with built-in filters so you can ensure your drinking water is always clean and safe.
• Unbound Merino – They make lightweight, durable, easy-to-clean travel clothing.
• Top Travel Credit Cards – Points are the best way to cut down travel expenses. Here’s my favorite point earning credit cards so you can get free travel!

Canada Travel Guide: Related Articles

Want more info? Check out all the articles I’ve written on Canada travel and continue planning your trip:

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Nearly 70 Celebrity Cruises guests sick in norovirus outbreak

• Nearly 70 passengers and five crew members got sick in a norovirus outbreak on a Celebrity Cruises ship.
• The ship is currently sailing week-long Alaska voyages between Vancouver and Seward.
• The illness is frequently associated with cruise ships, but those outbreaks account for just 1% of all outbreaks reported, according to the CDC.

Nearly 70 Celebrity Cruises passengers got sick in a norovirus outbreak during a recent cruise.

The Centers for Disease Control and Prevention said 68 of Celebrity Summit’s 2,264 guests reported being ill during a cruise that ended on Friday, along with five crew members. Their main symptoms were diarrhea and vomiting.

The ship is currently sailing week-long Alaska voyages between Vancouver and Seward, according to CruiseMapper . In response to the outbreak, the cruise line isolated sick guests and crew and collected samples for testing, among other steps, the health agency said. 

There were an isolated number of cases on board and the impacted guests are no longer on the ship, according to Nathaniel Derrenbacher, a spokesperson for Celebrity’s parent company Royal Caribbean Group. Summit was also sanitized.

The news follows another norovirus outbreak on Celebrity Constellation in January that left nearly 100 guests sick. The CDC has logged seven outbreaks of gastrointestinal illness on cruises that met its threshold for public notification so far this year. Norovirus was listed as the causative agent in all but one.

Cruise ship medical facilities: What happens if you get sick or injured (or bitten by a monkey)

The illness is frequently associated with cruise ships, but those outbreaks account for just 1% of all outbreaks reported, according to the CDC. Dr. Sarah E. Hochman, a hospital epidemiologist and the section chief of infectious diseases at NYU Langone Health’s Tisch Hospital, told USA TODAY in April that those happen in communities on land, too.

“There's not something special or unique about cruise ships,” she said at the time. “It's really any type of congregate setting, but it's also happening out in the community on a much smaller scale among households and household contacts. It just doesn't come to the attention of public health as much as it does for larger congregate settings.”

Nathan Diller is a consumer travel reporter USA TODAY based in Nashville. You can reach him at [email protected].

The Key Points at the top of this article were created with the assistance of Artificial Intelligence (AI) and reviewed by a journalist before publication. No other parts of the article were generated using AI. Learn more .

Ontario woman forced to pay $23K medical bill after heart attack abroad despite travel insurance

An Ontario woman who took a trip to the Cayman Islands in January was hospitalized after a heart attack and even though she had travel medical insurance, she was told she needed to pay the hospital bill herself.

Maria Malka Lazar of Toronto was on the beach enjoying her vacation when she suddenly felt unwell and almost passed out.

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“It was really bad. I thought at this moment, I’m out,” Malka Lazar said, adding, “The ambulance came and from there, they took me straight to the hospital.”

When Malka Lazar’s son Dean Malka heard the news, he flew to be by her side and help deal with her travel medical insurance.

However, Malka said there were issues getting through to the insurance company on the phone and online.

“I was frustrated because it was an emergency travel situation,” Malka told CTV News Toronto.

Malka Lazar was hospitalized for two days and when the medical bill came to US$16,809, about $23,000 Canadian, she was told before leaving the hospital she would have to pay the bill.

Malka Lazar said, “I felt really bad. I felt let down because I was paying the insurance. I had the insurance.”

Malka Lazar said she purchased the insurance through Ontario Blue Cross. However, four months later, she said she had yet to be reimbursed.

Martin Firestone, president of Travel Secure Inc., told CTV News Toronto that while an insurance company usually deals directly with a hospital for billing, in the event you have to pay it yourself – even if it’s for a legitimate claim – you can expect delays.

“Nothing is quick here. They are going to be ordering doctors records, they are going to see if you were stable prior to departure, they are going to see if you declared a medical condition that appears in your doctor’s notes. This can take months,” Firestone said.

When CTV News Toronto reached out to Ontario Blue Cross, a spokesperson said in a statement: “In instances where the client does not contact us immediately for support and chooses to pay a medical facility directly, it can take longer to process a claim as we may need to validate the expenses related to the claim, including but not limited to charges for medical care being usual and customary for the medical condition. We have been in contact with this client and are confident that this claim has been resolved to their satisfaction,” the statement read.

After four months, Ontario Blue Cross reimbursed Malka Lazar $22,729 Canadian, which was great news for the Malka family.

“It was a huge relief and she was really happy, she got the cheque this morning,” said Malka.

Even though most travel medical insurance plans will bill a hospital directly, each can have different terms and conditions which is why it’s important to study your coverage carefully before taking a trip. 

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Celebrity ascent: the best dining, amenities and more on celebrity cruises' newest ship.

Top-notch eateries, adults-only areas and entertainment options stand out.

Celebrity Ascent Review

Megan duBois

Key Takeaways

• There are 32 different dining and drinking venues on board, from Le Voyage by celebrity chef Daniel Boulud to the line's iconic Martini Bar.
• The onboard entertainment is incredible. The "Awaken" show combines popular music with acrobatics and lasers, while Ascent After Dark: Shine the Night invites cruisers to don metallic or sequin outfits for a deck party under the stars. 
• The Solarium adults-only pool area is a relaxing spot with comfortable lounge chairs, a pool and hot tubs; head to Eden for delightful cocktails and optimal sunset views.

You can think of Celebrity Cruises as the more adult cousin of Royal Caribbean International – which makes sense, considering both cruise lines are owned by Royal Caribbean Group. With all of the recent buzz around both brands, I was excited to sail on Celebrity Cruises' newest ship, Celebrity Ascent, in its debut month. I embarked out of Fort Lauderdale, Florida, in December 2023.

The 17-deck, 141,420-ton ship has 1,646 staterooms and can carry 3,260 guests at double occupancy. At 1,073 feet long and 128 feet wide, the ship has plenty of space for upscale amenities, edgy entertainment and incredible dining venues. The Edge Series ship also has more than 1,400 crew members who hail from 60 different countries around the world.

As an avid cruiser who has taken more than 50 ocean and river voyages on almost a dozen cruise lines, I found Celebrity Ascent lived up to the hype. The ship itself is stunning, and each area has a distinct vibe. I loved the ample amount of food and drink opportunities – there are 32 different venues – and the standout onboard entertainment was like nothing I had seen before on a cruise ship.

Find your perfect cruise

Celebrity Ascent itineraries

Celebrity Ascent sails around the Mediterranean and the Caribbean over the next few years. Summer 2024 brings Ascent to Mediterranean ports of call in Greece, Turkey, Italy, France, Spain and Portugal. The Mediterranean season ends in October 2024, with a 13-night transatlantic sailing departing from Barcelona, Spain.

Late fall and winter sailings depart from Fort Lauderdale. The Caribbean season runs between November 2024 and April 2025. It includes seven- to nine-night voyages calling on ports like Aruba , Bonaire and Curacao ; Bimini, Bahamas ; Labadee, Haiti; Grand Cayman, Cayman Islands ; Puerto Plata, Dominican Republic ; and St. Maarten and St. Thomas in the U.S. Virgin Islands.

In late April 2025, it's back to the Mediterranean for the 2025 season between May and October. Ascent then returns to the Caribbean for sailings in late 2025; destinations include southern Caribbean locales, plus the Panama Canal and Royal Caribbean's private island in the Bahamas, Perfect Day at CocoCay. Similar Caribbean sailings are also on sale for early 2026.

Who should sail on Celebrity Ascent?

Celebrity Ascent, like its Edge Series sister ships, caters to adults traveling together. The overall vibe of the ship is upscale and modern, with plenty of places to grab a drink, enjoy a meal and watch a show. Couples can enjoy an elevated date night in Le Grand Bistro, while the aptly named Sunset Bar – which overlooks the rear of the ship – is the spot to be with a cocktail in hand as the sun sets into the horizon. This bar was easily my favorite spot on board; I spent most afternoons here enjoying a cocktail.

The deck parties, of which Ascent After Dark: Shine the Night is the premier event, are a fun time – but they aren't so loud that guests can hear the bass thumping in the staterooms below. Shows at The Theatre are fully immersive, with incredible technology and great music that had me dancing in my seat.

If you are traveling with children, know that there aren't many places on board for kids to just hang out and be kids. The Camp at Sea kids club is crammed into a small area on Deck 3, away from the main Grand Plaza and The Martini Bar.

Cruises on Ascent can be expensive, but Celebrity often runs deals on sailings. Without any promotions, sailings around the Mediterranean in 2024 and 2025 may run between about $1,000 and $5,600 per person. In comparison, 2024 and 2025 Caribbean voyages may cost between about $2,000 and $4,400 per person before discounts. (Note: Cruise rates can change frequently, based on demand and availability.)

The stateroom

There are over two dozen different stateroom styles on Celebrity Ascent. The smallest (and usually cheapest) rooms are the Inside Staterooms, which offer between 181 and 202 square feet of space. For solo travelers, the Single Inside Staterooms offer the same amenities as a double occupancy room, but with a smaller 103-square-foot layout and no single supplement fee at booking.

Ocean View Staterooms are slightly larger, at 200 to 242 square feet. There are three different room styles; the main difference among them is the size of the window. Options range from small windows in the middle of the wall to large, floor-to-ceiling picture windows.

Ascent's balcony cabins are quite varied, but the majority are Infinite Veranda Staterooms, where the balcony is actually a uniquely designed window that can be opened to let the ocean breeze in. There is a set of glass doors that can be drawn to make this space more private, as well.

Concierge Staterooms allow guests access to a dedicated concierge staff and exclusive onboard events. AquaClass cabins all feature the infinite balcony design, plus unlimited access to the SEA Thermal Suite, complimentary dining at Blu restaurant, fitness classes and a spa concierge.

Celebrity Ascent's suites are all part of The Retreat, the line's ship-within-a-ship concept where cruisers have access to an exclusive restaurant, a sun deck with a pool, a lounge and a dedicated crew. Suites range in size and style, from smaller 319-square-foot studios to massive two-bedroom suites offering more than 2,500 square feet of indoor and outdoor space.

When I sailed on Celebrity Ascent, I stayed in an AquaClass stateroom. The main living space had a king-size bed, which was cozy after long days of exploring the ship and nights spent on the dance floor. I found the cabin's couch a bit uncomfortable, but there was plenty of storage space in the large closet and drawers. Conveniently, the bed was high enough to fit my suitcases under.

Because this was my first time in an Infinite Veranda room, I was interested to see how the balcony actually worked. After pressing a button for the window to roll down, my room instantly filled with humid air – not the sea breeze I was expecting. The air conditioner also turns off when the window is down, so it takes a long time for the room to cool off again. I only opened the window once because of this. For me, the extra veranda space served as more of a sitting area to take in the views than a spot to enjoy the ocean breeze.

My stateroom's bathroom was spacious, with a larger-than-usual standup rain shower. I also loved the eco-friendly bath amenities, which smelled divine. I used the in-room bathrobes and slippers every day of the cruise.

I loved that my AquaClass stateroom came with some amenities that are not included in other Infinite Veranda rooms. There were two yoga mats, two bottles of water that were refreshed daily, a welcome bottle of sparkling wine, an umbrella, binoculars, complimentary shoeshine service and a pillow menu. AquaClass guests also have unlimited access to the spa's thermal suite, complimentary fitness classes and a dedicated spa concierge. I went to the thermal suite daily to enjoy the heated loungers and steam rooms.

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Best amenities on Celebrity Ascent

On Celebrity Ascent, you'll never be bored. Over just a few days, I was able to participate in game shows and dance parties, sit back and enjoy live music, and spend some time by the pool. While I don't gamble, the casino always seemed to be full when I walked by, and someone was always cheering about hitting the jackpot.

For live entertainment, be sure to catch Flash Flair Fusion, the nightly bartending performance at the Martini Bar. Meanwhile, the Theatre hosted three main shows during my sailing: "Residency," "Awaken" and "Bridges." (Based on my experience, "Awaken" is the production to prioritize.)

Additionally, The Club hosts most of the ship's game shows and some smaller live music events. I loved hanging out at this venue; it was never overly packed with people, and the games were pure fun. I even got called up on stage to participate in one of the games and ended up winning a Celebrity Cruises-branded hat.

For some outdoor fun, hit the onboard pickleball court. Or, head to the Rooftop Garden, where float pools face the ocean and plenty of comfy seating awaits. I loved how lush this space felt, thanks to all of the live plants surrounding the seating areas. This is also the spot to catch movies at night.

If you're looking for an even more unique place to hang out, head to The Magic Carpet. This bright orange, glass-encased bar hangs out over the side of the ship and is the perfect spot for an after-dinner drink. The Magic Carpet can move up and down the side of the ship, docking at select decks for a set amount of time. I loved hanging here at night as the ship was pulling out of port to see the islands light up and watch other ships pass by.

When planning out your evenings, keep in mind that it can be a trek to get from one onboard activity to the next – especially when there is very little time between many of the major scheduled events. One night, I started in The Club to watch a game show, then immediately had to get to the Theatre. After the theater performance, I had to walk the entire length of the ship and take the stairs to get to the night show in Eden. Then, after Eden, it was time for the Shine the Night deck party. By the time I got back to my stateroom, I was exhausted.

Best dining venues on Celebrity Ascent

There are 32 different spots for food and drinks on Celebrity Ascent, including four main dining rooms; four casual complimentary eateries; eight specialty restaurants; 14 cafes, lounges and bars; and two exclusive venues.

Included with the base fare are meals at the four main dining rooms, all of which serve the same menus every day, plus a small exclusive menu that's tailored to the theme of each restaurant. (For example, if you're dining in Cyprus, there is a small list of Cyprus-exclusive dishes that highlight Mediterranean cuisine, while the Normandie restaurant serves up French favorites.)

Other restaurants included in the cruise rate are Eden Cafe & Bar, which serves light bites and sweets; Mast Grill, offering burgers and salads; and Oceanview Cafe, a buffet open for breakfast, lunch and dinner.

For an additional cost, head to specialty dining venues like the stunning Le Voyage by Daniel Boulud, which is great for date night; Le Grand Bistro, a fun take on a classic French Bistro; or Eden Restaurant, which features an entirely plant-based menu.

My favorite specialty dining option – and overall favorite restaurant on the ship – was Raw on 5. It features stunning chilled seafood towers, fresh sashimi and hot dishes like fresh lobster and shrimp wontons. Each dish was prepared beautifully, the service was top-notch and our table next to the window offered great views.

However, one restaurant I would skip is Fine Cut Steakhouse. It is a pretty standard steakhouse, and nothing on the menu really stood out to me. The upscale ambiance was also diminished by music floating in from the nearby Grand Plaza and Martini Bar (think: everything from One Direction to Cher). While both artists are great to hear while sipping a martini in a public space, I don't want to hear them while dining at an expensive restaurant.

Best excursions on Celebrity Ascent

Travelers cruising to the Caribbean should book a beach outing. There are abundant excursion options in St. Maarten and St. Thomas in the U.S. Virgin Islands . If you're into local brews, try the Small Group: Brewery & Beach Tour Philipsburg, St. Maarten .

On a past Mediterranean cruise, I explored both Florence and Pisa, Italy, while docked in the Italian city of Livorno. Celebrity offers a similar excursion aboard the Ascent. The day trip includes a scenic drive through the Tuscan countryside; exploring Florence and seeing the Ponte Vecchio and the Duomo; and a trip to Pisa to see the iconic learning tower. In Rome , consider doing an all-day tour where you can see the Colosseum, the Trevi Fountain and St. Peter's Square.

Regardless of where your cruise is headed, you may choose to explore ports on your own instead. If that's the case, be sure to give yourself enough time to get back to the ship. I always try to return at least an hour before the scheduled sail away time.

Overall impressions of Celebrity Ascent

When it comes to ships that cater to a mostly adult audience, Celebrity Ascent really has it all. From stunning common areas to incredible dining and entertainment, I was never bored on this ship. What I loved most was the wide range of entertainment, from pop-up music around the ship to full-blown experiences that need to be seen to be believed. The food on the ship is a step above most other major cruise lines, and the number of dining options is great, especially for longer sailings.

While I loved my room's location and amenities as a whole, I found the Infinite Veranda design to be a bit of a waste. When I did use it, my room got hot quickly and took a while to cool back down. I would consider booking a traditional veranda cabin next time, or a stateroom with a large picture window to save some money without sacrificing the ocean views.

Why Trust U.S. News Travel

Megan duBois has been covering travel, cruising and theme parks for over five years. She has taken more than 50 cruises, has traveled to four continents and more than 25 countries, and has visited a dozen theme parks around the world. Her work appears online and in print in major publications like U.S. News & World Report, Travel + Leisure, The Points Guy, Conde Nast Traveler, Forbes and more.

You might also be interested in:

• The Best Cruise Lines for the Money
• The Best Cruise Lines in the Caribbean
• The Best Cruise Lines in the Mediterranean
• The Best Solo Cruises
• Cruise Packing List: The Essentials Chosen by Experts

Tags: Travel , Cruises

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