out of canada travel insurance

Travel Insurance

More coverage in more places ®.

Get out there and enjoy yourself knowing you have the right coverage and 24/7 access to a caring team who’s always on call—no matter how big or how small the emergency.

More Coverage In More Places™

• Coverage Types
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Explore Your Coverage Options

Travel packages.

Coverage for the widest range of unexpected travel situations.

Travel Medical

Coverage to fill the gap left by my provincial health insurance.

Cancellation & Interruption

Coverage for non-refundable and/or non-transferable trip expenses if my trip is cancelled or interrupted.

Visitors to Canada

When visiting, immigrating to or studying in Canada and need emergency medical coverage.

Travel Insurance Advice by Trip Type

Choose from the topics below for some quick advice on the type of coverage that may be right for you:

Travel Insurance FAQs

Have a question about travel insurance? Get the answers you need here.

For questions about travel and COVID-19, please visit the COVID-19 page.

• Eligibility
• Emergencies

Our goal is to make affordable travel insurance coverage available to as many Canadians as possible. In general, any Canadian resident can purchase some form of coverage with us. Factors such as where you are travelling, your health and the length of your trip may affect the specific coverage(s) available to you.

Note : Non-residents travelling to Canada, immigrants to Canada or foreign students studying in Canada may be eligible to purchase one of our Visitors to Canada Plans.

Generally speaking, no. While your age can affect your eligibility for certain coverages, we have packages and plans that cover all age groups. If you are age 65 or older, we may ask you to answer a few questions about your health to make sure you have the most appropriate coverage.

Yes, you may purchase a policy for your parents. Simply call us at 1-866-896-8172 , buy online , or visit an RBC Insurance Store . Depending on their age, they may be required to complete health questions in order to obtain coverage. If this is not a requirement, please keep in mind that all terms and conditions apply to your parents, therefore we recommend that you review the insurance with them prior to purchase.

Possibly. Depending on your age, medical condition and, if applicable, your answers to our health questions, pre-existing medical conditions are covered if they are stable for a certain time period (as specified in your policy) before your policy's effective date.

Note: Please refer to the policy document for complete coverage details regarding pre-existing conditions.

Your answers to the health questions (if applicable) will be used to help determine the benefits you are eligible to receive under your insurance policy.

When answering the health questions:

• Take your time. The questions may take up to 10 minutes to complete.
• You (the applicant) should complete and sign the Medical Questionnaire. (If you have someone else complete the Medical Questionnaire on your behalf, it is still your responsibility to make sure the answers to the questions are correct.)
• Read and answer each question carefully and accurately. Review your answers to confirm they are correct. Incorrect answers may lead to your coverage being voided or your claim denied.
• Have your prescriptions or a description of your medications nearby for reference.
• If you are unsure about any questions regarding your medical condition or medications, please speak to your physician.

If necessary, a family member or close friend can complete the questions on your behalf. Please keep in mind, however, that it is still your responsibility to sign the form and make sure the answers are correct.

Yes, it is recommended that you buy coverage for your spouse as well.

This answer depends largely on your child's age.

• If your child is under 2 years old and you are purchasing the Deluxe Package or a TravelCare ® Package, then your child receives emergency medical coverage at no extra cost.
• If your child is 2 or older , you'll need to purchase emergency medical coverage for him or her.
• No matter how old your child is , if you've purchased an airline ticket or made a separate trip deposit for him or her, consider buying a travel insurance package or trip cancellation and interruption insurance .

The right coverage for your trip depends on several factors, including (but not limited to) where you're travelling to, how long you’ll be gone, the kind of transportation you'll be using and, in some instances, your overall health. View all of our travel insurance products now.

An accident, illness or medical emergency can happen anywhere, anytime. If you need medical care or treatment in another country, your government health plan may cover only a portion of the costs. Travel insurance starts where these plans leave off.

Plus, with our emergency medical coverage, you have access to the multilingual representatives of Allianz Global Assistance.

Yes, if you are travelling outside your home province or territory. There are several reasons why it's important to get travel medical insurance when you're travelling within Canada. One reason is that accidents can happen anywhere. Another is that government health insurance plans do have limits on reimbursement of emergency medical expenses incurred while you are in another province. For example, the ambulance, emergency dental treatment and prescription drugs might not be covered by some government health insurance plans.

You may extend your coverage if you extend your trip, subject to certain conditions of your policy.

If you've purchased a single trip plan, the following conditions apply:

• If you have not had a medical condition during your trip or while covered under your policy, you can request an extension by contacting us at 1-866-896-8172 before your original policy’s expiry date.
• If you have had a medical condition during your trip and while covered under your policy, you must request the extension by contacting Allianz Global Assistance before the expiry date of your original policy. Your extension is subject to the approval of Allianz Global Assistance.
• You must pay the required additional premium before your original policy’s expiry date.
• If we are unable to extend your particular policy's coverage due to the trip duration limits of your policy, you may be able to purchase a new policy from us.

If you've purchased a multi-trip annual plan, the following conditions apply:

You may purchase a top-up policy for the additional number of days beyond the duration covered by your multi-trip annual plan as follows:

• Before your effective date, you may contact us at 1-866-896-8172 to purchase top-up coverage.
• After your effective date and if you have not had a medical condition during your trip, you must contact us at 1-866-896-8172 before your original policy’s expiry date to purchase top-up coverage.
• After your effective date and if you have had a medical condition during your trip, you must contact Allianz Global Assistance before your original policy’s expiry date to request approval for and to purchase top-up coverage.
• The terms, conditions and exclusions of the new top-up policy apply to you.
• You must pay the required top-up premium on or before the effective date of the top-up period.

If you do NOT top-up your coverage for a trip, you will not be covered for any claims you make outside the period of insurance for that trip. If the top-up policy you are purchasing requires you to complete health questions, you must complete the health questions.

Please see the policy documents for complete coverage details regarding trip extensions.

It may, but not always. We recommend that you carefully review the travel insurance coverage provided by your credit card, as well as any special conditions or stipulations.

Do you have an RBC Royal Bank ® credit card?

To review the travel insurance coverage that comes with your RBC Royal Bank credit card, visit: www.rbcroyalbank.com/cards/documentation/index.html and click the "Insurance Certificate" link for your card.

We recommend that you carefully review your government health plan coverage. Government plans may not cover all emergency medical expenses once you leave your home province/territory and typically cover only a limited portion once you leave the country. In fact, the Canadian Government (Foreign Affairs, Trade and Development Canada) urges Canadians to purchase supplemental health insurance when leaving the country. They say:

Do not rely on your provincial or territorial health plan to cover costs if you get sick or are injured while abroad. Out-of-country health care can be costly, and your health plan may not cover any medical expenses abroad. It is your responsibility to seek information from your provincial or territorial health authority and to obtain supplementary travel insurance and understand the terms of your policy. 2

Plus, government health insurance plans don't guarantee coverage for special care (air ambulance or emergency dental services, for instance).

Unlike government health insurance plans, our insurance offers you:

• Unlimited coverage for eligible medical expenses 1
• Up-front payment of eligible medical expenses whenever possible
• 24-hour, multilingual emergency medical assistance—one toll-free phone call puts you in touch with a multilingual professional who will refer you to a local doctor or facility in order for you to receive the care you need

Government health insurance plans also don't provide coverage for situations such as lost, damaged or delayed baggage or trip cancellation and interruption. Our travel insurance can provide these coverages and more.

Yes, you do need travel insurance to protect yourself against the unexpected, even if you are going to the United States for a few days. An illness or accident can happen at any time, whether you're on the road for a few days, or a few months. And remember, the cost of health care is very expensive in the United States and very little of this cost would be covered by your government health insurance plan, credit card or company benefits plan. For a short trip, the cost of travel insurance is minimal, and it gives you the protection you need.

If you purchase trip cancellation and interruption insurance, it will help pay for your expenses to return home in the event of a covered emergency. There are a number of circumstances that qualify as an emergency (for example, the death or serious illness of a family member). The cost of cancelling a trip prior to departure can be very expensive, as most trips are non-refundable and/or non-transferable, especially if you have to cancel just before leaving on your trip. Having to return early from a trip can also be very expensive. Either way, trip cancellation and interruption insurance is very important to protect your travel investment.

You must purchase coverage before departing on your trip. You may benefit from purchasing coverage as soon as you make your initial trip deposit, especially if you are purchasing trip cancellation and interruption insurance —either as stand-alone coverage or as part of one of our insurance packages .

If you were to book your trip 6 months in advance, consider the unexpected situations that could occur in that time.

If you purchase travel insurance from RBC Insurance, we will pay the eligible bills directly to the hospital or physician whenever possible.

There are a number of sports that are not covered during your trip. For more details, see the Exclusions section of the individual policy document.

You may purchase a top-up policy for the extra number of days beyond the duration covered by your multi-trip annual plan. Here are the conditions:

• After your effective date and if you have had a medical condition during your trip, you must contact Allianz Global Assistance before your original policy’s expiry date to request approval for and purchase top-up coverage.

Please see the policy document for complete coverage details regarding top-up coverage.

If you purchase one of our travel medical insurance plans—either Classic Medical or TravelCare ® Medical—you can, subject to certain conditions:

• If you are travelling for more than 183 days, you may purchase single trip coverage for up to 365 days provided that you are covered under your government health plan for the full duration of your trip.
• If you are 40-74 years of age , you must also answer a few health questions, which will determine whether you are eligible to purchase coverage for trips beyond 183 days.

Yes, if you are travelling with your spouse/partner and children or other family members, you could save money with our family plan pricing.

The cost of a trip can be a significant financial investment. A lot can also happen in the time between booking your trip and departing—if a medical emergency or other unexpected event prevents you from going on your trip, you could potentially lose some (or possibly all) of the money you paid.

With trip cancellation and interruption insurance, you're protected when certain situations prevent you from travelling as planned. Examples include:

• You can't travel due to an illness, job loss or immediate family member's medical emergency
• You need to return home earlier than scheduled because of a family emergency or medical condition

Note : We strongly recommend that you purchase trip cancellation and interruption insurance at the time you pay your initial travel deposit. Please see the policy document for complete coverage details, including terms and conditions.

Yes! Tell them about our Visitors to Canada Plans , which offer affordable emergency medical protection to visitors, immigrants, foreign students and Canadians without government health plan coverage.

We strongly recommend you do. Your insurance policy is a valuable source of information and contains provisions that may limit or exclude coverage. Please read it before you go, keep it in a safe place and carry it with you when you travel.

RBC Insurance has appointed AZGA Service Canada Inc. (operating as “Allianz Global Assistance”) as the provider of all assistance and claims.

Whether you have a new claim or questions about an existing claim, representatives will work with you to make things as easy as possible. Visit the Travel Insurance Claims page for more details about how to submit a claim.

It's our goal to settle every claim as quickly as possible. While every claim is different, there are things you can do to speed things up:

• If you require emergency care on your trip , call our emergency contact number immediately, or at the earliest possible opportunity (someone else can call if you're unable to). If you do not, your coverage may be limited and your benefits could be reduced.
• If you need to cancel your trip prior to departing , call your travel agency, airline, tour company or the carrier immediately to cancel your trip no later than one business day after the cause of cancellation. Call Allianz Global Assistance the same day.
• For all claims , carefully read the instructions for submitting your claim. Make sure you fully complete any required claims forms and submit all required documentation at your earliest possible convenience. For example, you may need to provide information on your past health history if you are submitting an emergency medical claim or a trip cancellation claim due to a medical condition.

The documentation you need to provide will depend on the type of claim, the type of plan you purchased and the province/territory in which you live. Visit the Travel Insurance Claims page for more details about how to submit a claim.

No matter where in the world you are, we’ll be here for you. If you have an emergency, you can call Allianz Global Assistance toll-free 24 hours a day, 7 days a week at 1-855-947-1581 from the U.S. and Canada or (905) 816-2561 collect from anywhere in the world . Or as an alternative, you can email Allianz Global Assistance at: [email protected] . Disclaimer 3

The multilingual representatives of Allianz Global Assistance are ready 24 hours a day, seven days a week when you have a medical emergency. You can rely on them to refer you or (when medically appropriate) transfer you to one of the accredited medical service providers within the Allianz Global Assistance network, so you can receive the care you need as quickly as possible.

Because the representatives are multilingual and have 24-hour access to real-time translation services, they can provide the help you need in your own language—and also have someone to communicate on your behalf with medical personnel who may speak a different language.

Whenever possible, Allianz Global Assistance will also request for the medical service provider within the network to bill the covered medical expenses directly to us instead of you—reducing stress and hassle.

Yes, as soon as medically possible. There are several reasons to call the emergency contact number first:

The multilingual representatives of Allianz Global Assistance are experienced experts in coordinating emergency care for travellers in foreign lands.

They're available 24 hours a day, seven days a week.

If you don't call Allianz Global Assistance first, your benefits may be reduced and your coverage may be limited. As stated in your policy, if you do not contact Allianz Global Assistance at the time of your medical emergency or you choose to receive treatment from a medical service provider outside the Allianz Global Assistance network, you will be responsible for 30% of your medical expenses covered under your insurance and in excess of your medical expenses paid by your government health plan.

You can call Allianz Global Assistance toll-free 24 hours a day, 7 days a week at 1-855-947-1581 from the U.S. and Canada or (905) 816-2561 collect from anywhere in the world.

Of course, obtaining urgent care in an emergency is your #1 priority—and our representatives are here to help at our toll-free emergency contact number. However, if your medical condition Opens in new window prevents you from calling before seeking emergency treatment, then you must call as soon as medically possible.

Someone else (a family member, friend, hospital or physician's office staff, etc.) may call on your behalf–so it's a very good idea to carry your RBC Insurance travel insurance wallet card with you at all times.

They may call Allianz Global Assistance toll-free 24 hours a day, 7 days a week at 1-855-947-1581 from the U.S. and Canada or (905) 816-2561 collect from anywhere in the world.

Or as an alternative, they can email3 Allianz Global Assistance at: [email protected] .

We will pay your eligible medical bills directly to the medical provider or hospital for you whenever possible.

Travel together. Save together.

Travelling with a group of 10 or more? Save with a group discount and enjoy all the benefits of RBC ® Travel Insurance.

Reasons to Love RBC Travel Insurance

Coverage available for all ages.

If you are travelling with your spouse/partner and children or other family members, you could save money with our family plan pricing.

Simplified Medical Questionnaire

Age 65 or over? Buying travel insurance is faster than ever – no long, complicated medical questionnaires.

Variety of Coverages

Whether you’re going on an overseas adventure, or a quick jaunt to another province or state for the weekend, a variety of packages and plans are available to cover your travels.

24/7 Worldwide Emergency Medical Assistance

Experienced staff at the 24/7 assistance centre will provide:

• Caring, multilingual support
• Help finding local medical care
• Access to emergency air ambulances
• Access to expert medical professionals who will monitor your care
• Help with transportation to the nearest medical facility

For emergency medical and travel assistance

• See Emergency Contact Details

For questions about travel insurance or claims

• Speak to a Travel Advisor at 1-888-896-8172
• Get a Quote

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Canada Travel Insurance

Travel insurance for canada: a guide for us travelers .

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

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

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

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

• Travel Insurance Requirements for Canada 

Are there any COVID-19 restrictions for US Visitors? 

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

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

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

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

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

How AXA Travel Protection Can Benefit Visitors to Canada 

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

Medical Benefits: 

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

Baggage Benefits: 

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

Pre-Departure Travel Benefits: 

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

Additional Optional Travel Benefits:

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

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

Why? There are several reasons: 

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

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

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

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

Travel Insurance requirements for Canada 

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

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

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

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

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

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

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

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

FAQs about Canada Travel Insurance   

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

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

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

2. Do US citizens need travel insurance to Canada? 

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

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

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

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

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

AXA already looks after millions of people around the world

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

Get AXA Travel Insurance and travel worry free!

Travel Assistance Wherever, Whenever

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

Travel Insurance is currently not available for Quebec Residents.

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Travel Insurance

The plan if things don’t go as planned

Top reasons to pack Scotia Travel Insurance

Consider a plan with All Inclusive coverage

Save on premiums if you only travel within Canada

Choose a plan that suits the way you travel

Emergency medical coverage includes 24-hour Medical Concierge benefit

Which insurance plan is right for you?

Travelling Canadians

Knowing you’re protected makes every journey more rewarding.

• Get up to $10 million CDN in emergency medical insurance
• Choose the coverage that suits you best: COVID 19 Pandemic Travel, Emergency Medical, Trip Cancellation/Interruption or All Inclusive Plans.
• Get further savings if you are a family

Student Plans

Medical insurance coverage for those studying abroad or within Canada.

• Up to $2 million CDN in emergency medical insurance
• Great for Canadian students studying in another province or country
• Ideal for international students studying in Canada
• If your school has medical insurance requirements, a Student plan may meet these requirements

Visitors to Canada

Explore Canada knowing you and your loved ones are protected.

• Flexible covered amounts available
• Emergency medical insurance for those up to 85 years old
• Available for singles, couples and families 1
• Great for visitors coming to Canada for an extended period

Helpful tools and resources

Packing for Your Vacation

Once you have chosen your destination, the next question is "what should I pack?".

Plan a Trip

Usually travel involves months of planning but sometimes it can be a spontaneous, last minute decision. Make sure you are prepared.

Protecting Your Home While You’re Away

Before heading out, deter intruders with this collection of tips and suggestions.

Need advice selecting a plan?

Frequently asked questions, why does any canadian travelling out of country need travel insurance if a traveller gets sick when travelling, won't their government health insurance plan pay for their medical expenses.

Please refer to the Government of Canada website for their recommendation on this matter:  https://travel.gc.ca/travelling/documents/travel-insurance

Is medical travel insurance necessary when travelling within Canada?

Government health insurance plans do have limits on the reimbursement of the emergency medical expenses incurred while in another province. For example, air and ground ambulance costs, emergency dental treatment and prescription drugs might not be covered outside your province of residence. For maximum protection, purchase additional medical coverage even while travelling within Canada.

In the case of a medical emergency I am supposed to call the Assistance Centre. What if I don't get a chance to do that - will I still be covered?

We ask you to call our Assistance Centre ( 1-877-372-2988 ) so that we can confirm your enrolment under the plan, and, with the healthcare provider, manage the benefits in accordance with your policy. By calling the Assistance Centre, you may avoid out-of-pocket expenses. If you do not call the Assistance Centre, you will have to pay 20% of the medical expenses normally covered under this insurance. If it is medically impossible for you to call, please have someone call on your behalf. It is your responsibility to ensure that the Assistance Centre has been notified.

Can coverage be extended during my trip?

If you are already on your trip, you can extend coverage by calling Customer Service provided there has been no claim, no injury, sickness, or symptom has occurred that would give rise to a claim, or a change in your health. In addition, you must request the extension before your coverage expires and pay the appropriate premium. If you have a medical condition or pending claim, approval of the extension of your coverage is subject to approval.

If you have a Multi Trip Plan,  you must top up your coverage before you leave home by purchasing an Emergency Medical Top-Up plan for the additional number of days beyond the duration provided by your Multi Trip.

COVID-19 Pandemic Travel Plan [To be kept within the Travelling Canadians section] 

What is covered if I need to quarantine at location, duration of coverage, maximums?

Scotia Travel Insurance offers a COVID-19 Pandemic Travel Plan, which offers coverage in the event of quarantine outside of Canada. Coverage is for expenses such as your additional and unplanned commercial hotel and meal costs. You may receive:

1.            Up to $200 per day to a maximum of $2800 per person; or

2.           Up to $400 per day to a maximum of $5600 per family if you purchase family coverage.

These amounts are in Canadian dollars and coverage is provided for up to 14 days. 

Does the COVID-19 Pandemic Travel Plan provide coverage with an “avoid non-essential travel" advisory, and if yes what happens if the Government changes it to a “avoid all travel"?

If on your departure date, an “avoid non-essential travel advisory” is in place for your destination, and your emergency or medical condition is unrelated to the travel advisory, you may submit your claim. Note: For claims due to Coronavirus (COVID-19) the “avoid non-essential travel advisory” does not apply.  Claims relating to treatment for Coronavirus (Covid-19) that you experience on a cruise, may be submitted if you are fully vaccinated. 

If the advisory changes to “avoid all travel”, and you departed prior to the date the travel advisory changed, you will continue to have medical coverage for COVID-19 and related complications for the full duration of your trip. Treatment for Coronavirus (Covid-19) that you experience on a cruise, may be submitted if you are fully vaccinated.

Are Polymerase Chain Reaction (PCR) tests that are required in destination or prior to returning home covered under the Pandemic Plan?

No, PCR tests, vaccines, immunizations, visas, passports, and other travel requirements are the responsibility of the traveller and are not covered under the COVID-19 Pandemic Travel Plan.

Is there trip cancellation coverage prior to departing Canada within the COVID-19 Pandemic Travel Plan?

The COVID-19 Pandemic Plan does not have any trip cancellation coverage. This plan includes emergency medical benefits and trip interruption benefits. You may also consider purchasing a Trip Cancellation/Interruption Plan. 

Does Manulife, the underwriter of the Scotia Travel Insurance program, pay upfront for medical, and/or quarantine benefits?

In the event of a medical emergency, insured individuals must contact The Assistance Centre, who will arrange direct billing of covered expenses, where possible. If you choose to pay eligible expenses directly, the Assistance Centre will reimburse you subject to the terms and conditions of the coverage. 

Can coverage be extended during my time abroad?

If you already have coverage, simply call Customer Service. You may be able to extend your coverage, as long as:

a. your period of coverage does not extend beyond 365 days;

b. you remain eligible for insurance under this plan;

c. we have received the extension requests prior to the expiry date of your existing polcy issued by us; and

d. there has been no change between single or family coverage.

For policy extensions, no losses or expenses or benefits will be paid for any illness or injury which first appeared, whether diagnosed or not, or for which treatment may or may not have been received, prior to the effective date of the extension of coverage under this policy.  If you have a medical condition or pending claim, approval of the extension is subject to the approval.

Hospital and medical bills can easily run into thousands of dollars. Would I need to pay up front if I had an accident while travelling?

As outlined under your plan, it is essential that you contact our Assistance Centre prior to receiving medical treatment. The Assistance Centre has existing relationships with certain medical providers all over the world to help ensure emergency situations are handled as smoothly as possible. Our Assistance Centre will communicate with your medical provider, arrange direct billing where possible and coordinate payment for the emergency service received.

What is the maximum number of coverage days under this policy?

Under this policy, the maximum number of coverage days is 365 days. Upon expiry of a policy that has been in effect for 365 days (366 days in a leap year), you may purchase another student policy for the following term if you are eligible for coverage.

Why do I have to call the Assistance Centre prior to receiving any medical treatment?

The Assistance Centre will explain coverage, monitor care, pre-approve treatment and confirm enrolment to the service provider and explain the coverage to healthcare providers to help ensure that medical services are provided in accordance with the benefits of your policy.

How can an applicant fill out an application if he/she is not in Canada or available to complete the application?

To apply for coverage, an applicant or someone on his/her behalf may complete and sign the Visitors-to-Canada application. If someone other than the applicant completes the application, that person must ensure that he/she has full authorization to apply on behalf of the application and full knowledge of the applicant’s health information to complete the application accurately. Any incorrect statements on the application may make the policy null and void.

Are refunds available?

A refund is available if you cancel the policy at any time before the effective date of insurance (minimum $25.00). When you obtain Canadian government health insurance plan coverage from a Canadian province or territory, or return home before the scheduled return date as per the confirmation, and no claim has been initiated or reported or assistance services have not been provided, refunds are available for the unused days of the trip (minimum $25.00).

We ask you to call our Assistance Centre so that we can confirm your enrolment under the plan and, with the health care provider, manage the benefits in accordance with your policy. By calling the Assistance Centre, you may avoid any out-of-pocket expenses. If you do not call the Assistance Centre, you will have to pay 20% of the medical expenses normally covered under this policy. If it is medically impossible for you to call, have someone call on your behalf. It is your responsibility to ensure that the Assistance Centre has been notified. See your policy for details.

For Members

Find a plan, advice center, common questions, travel insurance for bc families and individuals.

Affordable travel starts with flexible protection from unexpected travel costs like medical emergencies, trip cancellation fees, baggage issues and more.

Buy Now Questions? Make a Claim

Why British Columbians choose our Travel Insurance

Free for kids.

Only Pacific Blue Cross covers kids of all families for free when you buy Emergency Medical coverage.

Pre-Existing Coverage

Only Pacific Blue Cross offers $10 Million in travel insurance with just 7 days stability of your pre-existing conditions.

COVID-19 Coverage

Pacific Blue Cross Emergency Medical Insurance includes coverage for COVID-19 when you’re fully vaccinated.

You Save as a Member

Members always save an extra 10% and our family plans cover your children for free.

Always on Call

Our emergency assistance team doesn't take a day off.  They're available 24/7 should an emergency occur while you are travelling.

Recognized around the world

One of the most recognized symbols of health care in the world.  So you’ll be covered from Toronto to Thailand.

First Payer

If your employer provides you with benefits from Pacific Blue Cross, our plans protect your lifetime maximum.

A Proud Partner

We are the travel insurance partner of Make-A-Wish, helping make dream trips come true.

Choose one of our Travel Insurance plans below to get started

Emergency Medical

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

Why do I need this?

Trip Protection

Peace of mind coverage for trip cancellation, trip interruption, airline delays and baggage loss, damage or delay.

Visitors to Canada

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

— Pacific Blue Cross — Travel Health Check

Select the destination(s) you’ll be travelling to below

Frequently Asked Questions about Travel Advisories and Vaccinations

Travel Insurance and COVID-19

Travelling is a little different right now, so we’ve put together some helpful information to help you enjoy healthy travels.

Why Do I Need Travel Insurance

Know before you go — testing, entry, borders, covid-19 coverage how it works, more questions our travel faq, a few frequently asked questions about travel insurance.

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

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

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

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

Plus, with an Annual plan, all of your trips under 15 days are covered within the year-- for even more savings.

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

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

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

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

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

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

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

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

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

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

Looking for other types of coverage?

Personal health insurance.

Our Personal Health Insurance plans providers coverage for people who are not covered by an employer group plan

Critical Illness Insurance

Our Critical Illness Insurance can help manage your ongoing financial obligations in the unfortunate scenario of recovering from a serious disease

Life Insurance

Ensure the financial health of your loved ones from one of the most respected Life Insurance brands in Canada

Plan Details

All of our plans include:

• Up to $10 million of emergency medical care
• 24/7 access to a team of professionals to contact you with local resources
• Direct Pay — We will pay any providers directly.
• Coverage for pre-existing conditions — As long as your pre-existing condition meets a minimum stability period, you can receive full protection.

Plan Highlights

• Emergency medical expenses
• Ambulance and taxi fees
• Repatriation costs
• Transportation to visit the covered person
• Medical Follow-up in Canada
• Subsistence allowance

Add-on Options

You can add the following individual benefits to your plan or choose a package and save:

• Trip Cancellation or Interruption
• Emergency Return
• Air-Flight Accicent
• Baggage loss, delay or damage
• Accidental Death and Dismemberment

Call us if an emergency strikes

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

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

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

Claims Process

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

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

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

Pacific Blue Cross Travel Medical Insurance provides $10,000,000 in coverage for costs related to emergency medical care resulting from an accident or sudden illness while travelling outside British Columbia. An Annual plan provides the best value for snowbirds, frequent travellers and cross-border hoppers who make multiple trips outside BC each year. Plan coverage includes:

In addition to paying for you to return to your province or residence to receive immediate medical attention*, we will arrange to have your vehicle returned, your pet returned and your baggage returned. Should an insured person pass away, we cover the cost of repatriating the deceased.

*Requires the authorization of the attending physician and CanAssistance.

Trip Protection Options

You can add the following individual benefits to your plan, buy them separately, or choose a package and save:

Pacific Blue Cross Visitors to Canada Insurance provides coverage for costs related to emergency medical care resulting from an accident or sudden illness while visiting British Columbia. Plan coverage includes:

Hospitalization, Medical and Paramedical Expenses

Transportation expenses.

The following services must be approved and planned by Medi-Assist.

We’ve got you covered, even when travel advisories change

Pacific Blue Cross Travel Medical plans contain $10M in COVID-19 coverage for fully vaccinated travellers, no matter the travel advisory. So rest assured, your plan will continue to provide the protection you need in emergency medical situations, even if and when Canadian government advisories change. If you aren’t fully vaccinated, you can learn more about how changing travel advisories may impact your coverage in our Frequently Asked Questions .

Speak to someone to learn more about one of our TRAVEL insurance products

Contact us about your existing Pacific Blue Cross coverage or products

I’d like more information on your Travel Plans

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Travel Insurance

Travel insurance plans are designed to help protect you and your family wherever your travels take you. Speak to a Sun Life advisor to learn more.

What is travel insurance?

Whether you’re headed outside your home province or to the other side of the world, traveling can be stressful.

Travel insurance can help protect you from the difficulties that come from unexpected medical expenses. 

If you’re traveling soon and looking for coverage, a Sun Life advisor can talk to you about your options.

Why do I need travel insurance? 

If you’re planning to travel, there are many reasons why travel insurance may be right for you:

• For the peace of mind. You’ll know you’re protected in case of an accident or sudden illness.
• To cover unexpectedly high bills. The cost of medical care can be much higher abroad than in Canada,
• To be supported by a team of professionals. They’ll make sure that you have access to medical care and arrange for you to come home if needed.
• For unexpected hospital visits. Some hospitals require that uninsured patients pay a deposit of several thousands of dollars before providing the necessary care. With travel insurance, you'll save money on any potential hospital charges.

What does travel insurance cover? 

When you’re traveling outside your home province, territory, or country, unexpected emergencies can cost thousands of dollars. 

Your government health care plans have limits on how much they’ll cover. You may be left with any potential bills.

Travel insurance can help you manage your way through difficult situations:

• Emergency medical care. Travel insurance can help when you need unexpected hospital, ambulance, and dental care.
• Theft or loss of documents. Insurance specialists can help you reach the Canadian embassy or your financial institution if your documents or cards are lost or stolen.
• Translation services. If you don’t speak the local language where you’re traveling, multilingual interpreters can help. In an emergency, these interpreters can help you communicate with local resources.
• Trip interruption. Travel insurance can help you arrange for your return home in the event you must cut your trip short due to a medical reason.

Keep in mind that your coverage may not include any pre-existing health conditions. A Sun Life advisor can talk you through your insurance options.

How to get travel insurance

Speak to an advisor about your travel insurance options .

Planning a trip? Make travel insurance a key part of your preparation.

Meet an advisor

Frequently Asked Questions

Does travel insurance cover my expenses in case i get sick abroad, does travel insurance cover covid-19, does travel insurance cover covid-19 tests, does travel insurance cover cancelled trips due to covid-19 restrictions, does travel insurance cover accommodation during emergencies, what else should i consider before travelling.

Yes, travel insurance will typically cover you in case you get sick abroad. Some plans may exclude medical expenses incurred in places where a Level 4 Travel Advisory is in effect. 

Back to list

There are policies that may cover specific losses arising from sudden and unforeseeable circumstances related to COVID-19. 

Depending on your plan, COVID-19 tests may be covered. 

Travel insurance typically won’t cover canceled trips due to COVID-19 restrictions. This is because COVID-19 is a known event, meaning it’s not unexpected or improbable that circumstances may cause cancelation or interruption of your trip. Trip cancelation or trip interruption claims due to the Government of Canada’s COVID-19 advisories will typically not be covered. 

Some travel insurance policies may cover accommodation during certain emergencies.  

You may have important reasons to travel in these uncertain times, such as for family or work. If you’re preparing to travel outside of Canada, consider the requirements of the country that you’re visiting. As with every trip, we recommend you review and follow  Government of Canada travel advisories .

Please note: This is general information about travel insurance. To learn more, speak to a Sun Life advisor.

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Travel medical insurance

Key takeaways.

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

What is travel medical insurance?

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

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

That’s where travel medical insurance comes in.

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

When do you need travel medical insurance?

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

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

What do government health plans cover?

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

Travelling within Canada

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

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

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

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

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

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

Travelling outside of Canada

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

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

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

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

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

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

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

What does travel medical insurance cover?

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

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

What doesn’t travel medical insurance cover?

Again, it varies but these are pretty standard exclusions:

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

How do you get travel medical insurance?

There are a few different ways to get travel insurance:

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

What kinds of travel insurance can you get?

Annual or multi-trip medical insurance.

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

Single trip travel medical insurance

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

What's next?

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

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Best travel insurance in Canada

Day Of Victory Studio / Shutterstock

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

According to a 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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Travel insurance

Travel insurance for Canada

Mandy Sleight

Alyce Meserve

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

Heidi Gollub

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

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

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

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

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

Understanding travel insurance for Canada 

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

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

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

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

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

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

Key coverage considerations for travel insurance in Canada 

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

Trip cancellation insurance  

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

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

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

Delays in your Canada trip  

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

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

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

Tackling trip interruption  

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

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

Dealing with lost bags and belongings  

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

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

Making plans for medical bills in Canada

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

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

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

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

Evacuation for serious medical issues   

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

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

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

What is the cost of Canada travel insurance? 

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

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

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

Key benefits of having travel insurance for your Canada trip  

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

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

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

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

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

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

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

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

Other insurance considerations for Canada 

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

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

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

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

Travel insurance for Canada FAQs

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

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

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

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

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

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

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

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

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

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Manulife CoverMe ® Travel Insurance for Travelling Canadians

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Spend a little to save a lot in case of an emergency with Manulife travel insurance

When you’re travelling, unexpected expenses can result in a hefty bill on top of what you already paid for your trip. Travel insurance for Canadians can:

• Help pay for emergency health expenses if you were to get sick, fall and be sent to a foreign hospital
• Take your mind off “what ifs” and the financial consequences of flight delays or cancellations, misconnections, baggage issues, and more
• Minimize loss of non-refundable travel expenses when you must cancel for a covered reason, such as visa delays, or if a loved one gets sick and needs your care

Manulife travel plans for travelling Canadians

Single trip plans help protect you for one trip, either just for yourself or for your family. You can get these whenever you travel out-of-province or country.

Emergency medical plans

When you travel out of the country, you are responsible for all health-related expenses that could arise. Medical plans help you cover health care expenses such as physician services, ambulances, semi-private hospital accommodations, diagnostic tests, and more.

Single-Trip Emergency Medical

This plan helps protect you from emergency medical costs during one trip for the number of days you'll be away.

• Up to $10 million in emergency medical coverage, including COVID 19 related emergency medical costs*
• Save 50% when your travel is within Canada

Single-Trip TravelEase TM

This plan helps protect you from emergency medical costs, even if those costs are associated with a pre-existing medical condition.

• Medical underwriting required to cover pre-existing medical conditions

COVID-19 Pandemic Plan

This plan can help protect you even if the travel advisory for your destination changes to "Avoid Non-Essential Travel" due to COVID-19.

• Up to $1 million for COVID-19 related emergency medical costs (up to $5 million if vaccinated)
• Up to $5 million for non-COVID-19 related emergency medical coverage

Download a comparison chart for medical plans (opens PDF)

Non-medical plans

Life happens, and even the most carefully planned trip can still be negatively affected by circumstances outside of your control. We offer a range of protections for your trip, which can help you travel securely knowing that your prepaid travel costs are protected from cancellations, interruptions, baggage loss, and even changed plans.

Trip Cancellation and Trip Interruption

Helps cover non-refundable trip costs if you need to cancel, return early, or stay longer than planned due to a covered event.

• Select trip cancellation coverage amount based on your pre-booked trip expenses
• Select either $800, $1,500 or unlimited coverage to bring you home early due to a medical emergency or other covered events
• Up to $1,700 for misconnection and up to $1,500 for delay return coverage

Non-Medical All-Inclusive

Includes all benefits from the trip cancellation & interruption plan, and more.

• Unlimited trip interruption coverage for early return due to a medical emergency or other covered event
• Up to $2,700 for misconnection and up to $3,500 for delay return coverage
• Includes up to $1,500 coverage for baggage issues, $100,000 for flight accident, $50,000 for travel accident, and more

Download a comparison chart for non-medical plans (opens PDF)

All-inclusive plans

These comprehensive plans help protect you and your trip from the costs of unforeseen events and medical emergencies, so you can set out knowing that you’re prepared, and that we’re here to help in the event of the unexpected. 

Single-Trip All-Inclusive

The best of both worlds – this comprehensive plan protects you from both emergency health costs and unexpected travel costs.

• Unlimited trip interruption coverage to bring you home early due to a medical emergency or other covered events

Youth All-Inclusive

A discounted all-inclusive plan for travelers 29 and under.

• Up to $1 million in emergency medical coverage, including COVID 19 related emergency medical costs*
• Select trip cancellation coverage amount, up to $5,000 
• Economy flight to bring you home early due to a medical emergency or other covered events
• Same-class flight and up to $300 for accommodation and meals for misconnection and travel disruption coverage
• Includes up to $500 coverage for baggage issues, $25,000 for flight accident, $10,000 for travel accident, and more

Youth Deluxe All-Inclusive

A more comprehensive version of the youth all-inclusive plan, available at a discounted rate for travelers 29 and under.

• Up to $5 million in emergency medical coverage, including COVID 19 related emergency medical costs*
• Select trip cancellation coverage amount, up to $10,000
• Same-class flight and up to $1,300 for accommodation and meals for misconnection and travel disruption
• Includes up to $1,000 coverage for baggage issues, $100,000 for flight accident, $50,000 for travel accident, and more

Download a comparison chart for all-inclusive plans (opens PDF)

*This plan will cease to provide coverage for COVID-19 related emergency medical costs if the government changes the travel advisory to "Avoid Non-Essential Travel" for your travel destination due to COVID-19. 

For the seasoned traveler, these plans help protect you for unlimited trips within the year. They offer versatile and comprehensive protection that goes with you whenever — and wherever — you travel.

Multi-Trip Emergency Medical

Have more than one trip planned for the year? This plan helps protect you from emergency health costs for multiple trips in a year.

• Get covered for unlimited number of days when travelling within Canada
• Protects unlimited trips per year

Multi-Trip TravelEase TM

This plan helps protect you from emergency medical costs for multiple trips a year, including pre-existing conditions approved through medical underwriting.

Multi-Trip All-Inclusive

Comprehensive protection that covers emergency medical and unexpected travel expenses.

• Up to $1,500 or $2,500 per trip for trip cancellation, to a maximum of $10,000 per year
• Up to $2,700 for misconnection and up to $3,500 for delay return coverage per trip
• Includes up to $2,000 coverage for baggage issues, $100,000 for flight accident and $50,000 for travel accident insurance per trip, and more

Download a detailed comparison chart for multi-trip plans (opens PDF)

Have existing coverages through work or credit card? Did you know that these policies only protect you up to a certain number of days which might not be enough to protect you for the entire trip? You can top up your existing coverage to the full duration of your trip with the plan below. 

Emergency Medical Top-up

Top up your existing credit card coverage or multi-trip plan from Manulife or another insurer.

• Up to $10 million in emergency medical coverage
• Includes coverage for COVID-19 related expenses

Why Manulife?

As a top travel insurance provider, all our plans for travelling Canadians come with the following benefits:

• Access to Manulife’s Travel Assistance 24/7 – 365 days a year – wherever you are in the world
• Full refund for medical plans before your effective date if you change your mind
• 50% off when you travel within Canada for select plans

Ready to buy?

You can get a quote and purchase Manulife travel insurance online through Manulife CoverMe.

The cost of travel insurance for Canadian seniors varies depending on age, coverage level, duration and if you want coverage for pre-existing medical conditions, among other features and protections such as trip cancellation, trip interruption, and baggage loss. 

Typically, travel insurance for Canadian snowbirds requires longer duration coverage than other types of trips, since snowbirds tends to stay down south in the USA for longer periods to escape the Canadian cold. The best travel insurance plans for snowbirds offer flexibility for easy extension and comprehensive emergency health coverage. Manulife offers Canadian seniors and snowbirds the flexibility to easily extend their coverage if needed, and our medical plans for vaccinated travellers all contain up to $10 million in medical coverage. If snowbirds are travelling to the USA multiple times a year, they can also consider purchasing a multi-trip plan to cover all their trips within one year. 

Need assistance?

Want to talk through your options.

Have questions and want to speak to a licensed insurance advisor? We can help with that!

Submit a travel claim

Visit our dedicated travel portal to start a claim. First-time on the site? Simply register, activate your account, and sign in.

Explore other travel insurance products

Travel insurance for students.

Get help with medical expenses when studying away from home – either in Canada or abroad.

Travel Insurance for Visitors to Canada

Get affordable coverage for medical expenses while visiting Canada. Meets the requirements for the super visa.

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Travelling Canadians

Whether you’re travelling within Canada, going to the USA for business or heading off overseas, Manulife travel insurance for Costco members helps protect you against the cost of unexpected emergencies that may occur. Choose from emergency medical to trip cancellation and trip interruption plans, or all-inclusive plans that best suit your needs and get the right benefits at the right rates. Plus, Exclusive members can save up to 5% on most insurance plan premiums!

All-Inclusive Plan

This plan offers protection beyond emergency medical costs, including coverage for trip cancellation and interruption, baggage loss and more.

Emergency Medical Plan

Get protection from unexpected emergency medical expenses while travelling.

Travel Canada Emergency Medical Plan

This plan protects you from unexpected emergency medical expenses while travelling within Canada, outside your home province or territory.

Trip Cancellation and Trip Interruption Plan

Add this plan to your existing travel medical coverage to protect you against an unforeseen emergency or event.

Multi-Trip All-Inclusive Plan

Protection beyond just medical costs for as many trips as you take throughout the year, including multi-trip emergency medical and multi-trip all-inclusive plans.

Multi-Trip Emergency Medical Plan

This plan offers protection the best value for emergency medical costs for as many trips as you take throughout the year.

Emergency Medical Top-Up Plan

When the duration of coverage you have isn’t long enough, this plan allows you to add extra time to your existing coverage.

Covid-19 Pandemic Travel Plan

Protection from unexpected emergency medical expenses, including Covid-19 expenses.

Ready to apply?

If you’re ready to lock in the coverage that works best for you – take the next step and get a quote for the coverage you need, then proceed to the application.

Frequently asked questions

For the best experience, please use up-to-date versions of Google Chrome or Microsoft Edge when purchasing Insurance for Costco members.

Global Affairs Canada states: "Do not rely on your provincial or territorial health plan to cover costs if you get sick or are injured while abroad. Out-of-country health care can be costly, and your government health plan may not cover any medical expenses abroad. It is your responsibility to seek information from your provincial or territorial health authority and to obtain supplementary travel insurance and understand the terms of your policy."

You can opt to purchase coverage for the entire time you are away from your province of residence or just for the portion of your trip that is away from Canada. In other words, the effective date of coverage can be either the last day you are in your province of residence or the last day you are in Canada. As government health insurance plans vary among the provinces and may not provide emergency return home benefits, you should consider coverage for the full length of your trip.

Government health insurance plans may have limits on the reimbursement of the emergency medical expenses incurred while in another province. For example, air and ground ambulance costs, emergency dental treatment and prescription drugs might not be covered outside your province of residence. For maximum protection, you should purchase additional medical coverage even while travelling within Canada.

Yes. Travel Insurance for Costco Members allows top up coverage of another insurer's plan. You are responsible for ensuring that your current coverage is in force and allows top-up. Your top-up coverage is subject to the terms and conditions of the Travel Insurance plan.

It is your responsibility to ensure that your existing plan permits top-ups.

If you are already on your trip, you can extend coverage by calling Customer Service at 1-866-707-4922 provided there has been no event that has resulted or may result in a claim against the policy and there has been no change in your health status. In addition, you must request the extension before your coverage expires and pay the appropriate premium. Extension of your coverage is subject to approval.

If you have a Multi-Trip Plan, you must top-up your coverage before you leave home, by purchasing a Top-Up plan for the additional number of days beyond the duration provided by your Multi-Trip Plan to the maximum allowed by your Canadian government health insurance plan. To top-up your coverage after you leave home, you must call us at 1-866-707-4922 .

You may purchase Travel insurance for Students. This plan has been designed for students, including post-graduate researchers.

Yes, grandchildren fall under our definition of a "child" but the dependent grandchild must be named on your confirmation and be travelling with you, and you must pay the premium for Family Coverage. All travellers covered under a family policy must be under 60 years of age.

Take action

For more information and to speak to a Licensed Insurance Advisor, call

1-866-707-4922 (Monday – Friday 8am – 8pm ET)

Or email [email protected]

10-Day Free Look

If you notify us within 10 days of your purchase date, as indicated on your confirmation, that you are not completely satisfied with your policy, we will provide a full refund if you have not already departed on your trip and there is no claim in progress. For information on refunds after the 10-Day Free Look period, please refer to the Cancellations & Refunds section in the policy.

NOTE: All dollar figures are in Canadian dollars.

* Conditions, exclusions, limitations apply. See policy for details.

** Manulife cannot guarantee the availability of the StandbyMD service indefinitely.

StandbyMD is a registered trademark™ of Healthcare Concierge Services, Inc.

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Trip interruption and travel health insurance

If you plan to travel outside Canada—even for a day in the United States—you should buy trip interruption and travel health insurance before you leave.

On this page

Where you can get trip interruption and travel health insurance, why you should buy travel health insurance, choose the best insurance based on your needs, if you need to make a claim, if you live or work outside canada, if you need help while outside canada.

You can buy trip interruption and travel health insurance directly with an insurance company or through:

• a travel agent
• an insurance broker
• an employer’s insurance provider
• a credit card company

If you encounter a medical emergency while abroad, you should know the following:

• Your medical bills may not be paid by your personal Canadian health insurance
• Your provincial or territorial health plan may cover none, or only a small part, of the costs of your medical care abroad including a medical evacuation, if needed. It will never pay your bills up front
• Hospitals and clinics in other countries can be very expensive and may require immediate cash payment
• In some countries, hospitals and clinics will not treat you if you don’t have enough insurance or money to pay your bills
• The Government of Canada will not pay your medical bills

What your travel health insurance should cover

No matter where you’re travelling, your travel health insurance policy should always cover 3 things:

1. Medical evacuation

Make sure your policy covers medical evacuation to Canada or to the nearest place with medical care. The policy should also cover the costs of a medical escort to travel with you to your destination.

2. Pre-existing medical conditions

Ask the insurance provider to explain the definition of and the limitations and restrictions on any pre-existing conditions and tests and treatments you may have had:

• Make sure you get a written agreement that your insurance covers your pre-existing medical condition, otherwise you could find your claim “null and void” under a pre-existing condition clause.
• no changes to your medical condition
• no new medical conditions, symptoms or medications during the stability period before your trip.
• a compassion clause saying that an inaccurate statement may not invalidate the entire policy
• a change-of-health clause.

3. Repatriation in case of death

Make sure that your plan includes everything to help your loved ones if you die outside Canada as the result of an accident or a sudden and unexpected illness.

Your insurance should cover:

• the preparation and return of your remains
• local cremation or burial outside Canada
• additional expenses if someone needs to travel to identify your body

Learn more about what to do if a Canadian dies outside Canada.

Why you should buy trip interruption insurance

Trip interruption insurance is different from medical travel insurance. Trip interruption insurance provides coverage for situations that lead you to have to cancel a part of your trip once you’ve departed. It will reimburse the unused portion of your trip if you must return early, due to an unforeseen incident.

It’s also different from trip cancellation coverage, which applies only when you cancel your trip before it starts.

Research your needs. Verify the terms, conditions, limitations, exclusions and requirements of your insurance policy before you leave Canada.

When assessing a travel health insurance plan, you should ask a lot of questions:

• Plans with 100% coverage are more expensive but may save you money in the long run
• Does the plan offer continuous coverage for the length of your stay outside Canada and after your return?
• Does the plan exclude or limit coverage for certain regions or countries you may visit?
• Travel health insurance rarely covers routine health checkups, non-emergency care or cosmetic surgery.
• It may not cover mental health disorders.
• Does the plan cover drug or alcohol-related incidents? 
• Does the plan exclude coverage for activities such as mountaineering, skiing, scuba diving or extreme sports?
• Does it offer coverage that is renewable from abroad and for the maximum period of stay?
• Does the company have an in-house, worldwide, 24-hour/7-day emergency contact number in English and/or translation services for health care providers in your destination country?
• Does it pay for hospitalization for illness or injury and related medical costs at your destination?
• Does it pay your bills or provide cash advances up front, so you don’t have to pay them?

If you’re driving, make sure you have driver and vehicle coverage in case you have an accident.

If you’re flying, make sure you get insurance for trip interruption, lost luggage and document replacement. You may also want to consider trip cancellation insurance.

Meet the terms of your policy

It’s your responsibility to know and understand the terms of your insurance policy. Read the fine print and ask for help if you need it.

The information you provide must be accurate and complete. If you have any questions, contact the insurance company. Ask them to send you a written explanation.

Carry your insurance information with you and leave a copy with a friend or relative at home.

Get a detailed report and invoice from your doctor or hospital before leaving the country where you received medical treatment. Trying to get the proper paperwork from thousands of kilometres away can be frustrating.

Always submit the original receipts for medical services or prescriptions you received abroad. Keep a copy of the documents for your files.

Effects of travel advisories on travel insurance policies

Many travel insurance policies will not cover you if you travel to regions where the Government of Canada has issued a travel advisory to “avoid all non-essential travel” or “avoid all travel.”

The Government of Canada is not responsible for travel insurance policies nor how Travel Advice and Advisories may affect travel insurance policies. The Government of Canada does not issue its Travel Advice and Advisories for the purpose of travel insurance coverage or refunds.

Canada’s Travel Advice and Advisories provide information and recommendations about safety and security conditions in destinations around the world to help you make informed decisions.

We issue travel advisories when the security or health situation in a country or region may pose a significant threat to the personal safety and security of Canadians travelling or living there.

As new information becomes available, we review the level of risk. A travel advisory for a destination may be issued, upgraded, downgraded or removed.

Before you book your trip and buy insurance, check the details of any insurance policy you’re considering and the travel advice and advisories for your destination.

Travel insurance is not intended to be used when you are living outside Canada for an extended period, or permanently.

If you live abroad or you’re planning to, consider your insurance needs. Local laws may require that you have medical insurance, and you may have to include proof of medical insurance with your visa application.

If you study outside Canada

If you study or plan to study outside Canada, contact your educational institution or program administrator for advice on the insurance coverage you need.

The Government of Canada is limited in the help it can provide you when you are outside Canada.

See the services available at our consular offices outside Canada.

Our travel advice and advisories provide recommendations about safety and security conditions outside Canada to help you make informed decisions. The decision to travel is yours and you’re responsible for your personal safety abroad.

Whether you are planning a vacation or living outside Canada, sign up for the free Registration of Canadians Abroad service so that we can notify you in case of an emergency outside Canada.

For help with emergencies outside Canada, contact the:

• nearest Canadian office abroad
• Emergency Watch and Response Centre in Ottawa

Related links

• Say yes to travel insurance
• Bon voyage, but…
• Well on your way
• A guide to travel health insurance (Canadian Life and Health Insurance Association)
• Guide to travel health insurance (International Association for Medical Assistance to Travellers)
• Tips for healthy travel

Top Travel Insurances for Canada You Should Know in 2024

Byron Mühlberg

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

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

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

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

Canada Insurance Profile

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

Best Travel Insurances for Canada

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

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

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

Do I Need Travel Insurance for Canada?

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

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

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

VisitorsCoverage: Best Medical Coverage

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

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

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

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

Insured Nomads: Best Trip Coverage

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

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

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

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

SafetyWing: Best Combination For Youth

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

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

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

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

How Do They Compare?

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

Data correct as of 4/1/2024

FAQ About Travel Insurance to Canada

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

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

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

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

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

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

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

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

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

See Our Other Travel Insurance Guides

Looking for Travel Insurance to Another Country?

See our recommendations for travel insurance to other countries worldwide:

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The Guide to Single Trip Travel Insurance

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 .

Table of Contents

How single trip travel insurance works

How to choose between travel insurance companies, best plans for single trip travel insurance, other tips for travel insurance for a single trip, travel cards that come with complimentary travel insurance, single travel insurance for a trip recapped.

There are many types of travel insurance, including plans that’ll reimburse you for emergency medical expenses or unexpected travel delays. Along with coverage types, there are also different durations of travel insurance.

Single trip travel insurance will cover you during one vacation, while multitrip or annual travel insurance can last for multiple outings. Let’s take a look at single trip travel insurance, what kind of coverage you can expect and how to choose a plan that works for you.

Purchasing a travel insurance plan is fairly simple, as is making a claim. It generally goes like this:

You gather a few quotes from travel insurance companies.

You pick a plan that suits your needs and customize it to your liking.

You purchase your plan and include a date for it to start.

You go on your trip.

If something happens (such as a flight delay), keep the proof.

You make a claim with your travel insurance company.

The travel insurance company reimburses you. 

There are a few variations in how this can work (for instance, some travel insurance plans can pay a medical provider directly), but for the most part, this is how the process will go. This is the case whether you have one-trip travel insurance or multitrip travel insurance.

» Learn more: How to find the best travel insurance

There are several travel insurance companies out there, which can make choosing a plan difficult.

NerdWallet analysis found that some travel insurance providers rise above the rest in terms of breadth and depth of coverage, cost, customizability, and overall customer satisfaction. Jump to see our findings on the bets plans for single trip travel insurance.

However, before choosing a company and purchasing a plan, consider these questions:

How much am I willing to pay?

Do I want trip protection, emergency medical coverage or both?

Do I already have coverage somewhere?

How much customizability does my plan need?

Do I need coverage for preexisting conditions?

Will I be doing any sort of adventure activities?

Once you’ve answered these questions, do your due diligence and get quotes from multiple sources. Different providers will offer differing levels of coverage at varying prices, so it’s in your best interest to generate as many quotes as possible and read the fine print.

To make it simple, travel insurance aggregators such as Squaremouth (a NerdWallet partner) will provide you with multiple quotes at a time.

» Learn more: The best travel credit cards right now

We considered a wide variety of factors when it comes to selecting the best insurance for your trip. These factors include cost, customizability, coverage maximums, whether preexisting conditions are included and the type of coverage the policy offers.

World Nomads

World Nomads is great for active travelers because of its standard coverage of adventure activities. With just two plans from which to choose, it’s also simple to decide which one you’d like.

Covers 200-plus activities as standard. 

Simple plan options.

Emergency medical coverage included.

Only two choices for policies.

Riskier activities are covered only by the more expensive Explorer plan. 

Fixed-rate reimbursement for trip protection.

» Learn more: Read our full review of World Nomads

With eight plans on offer, Tin Leg has a policy for every type of traveler. Along with standard trip protections, Tin Leg also offers Cancel For Any Reason (CFAR) add-ons.

Plenty of plans from which to choose. 

Preexisting conditions included in most plans. 

Primary and secondary medical coverage options. 

Cheapest plan doesn’t cover preexisting medical conditions.

Rental car coverage add-on available only on Luxury plan. 

» Learn more: Is Cancel For Any Reason travel insurance worth it?

Seven Corners

Seven Corners is an excellent option for those who really want to customize their plans. Whether you’re looking for medical-only insurance or a more comprehensive policy, Seven Corners has options available.

Preexisting condition coverage available.

Medical-only plans on offer.

Covers missed tours and cruise connections. 

Inexpensive plan offers secondary medical insurance.

Event ticket registration coverage only for expensive plan. 

» Learn more: Is Seven Corners coverage worth the cost?

Our last company on the list is unique in that it covers those who use travel rewards, like purchasing flights or hotels with points and miles . This is fairly uncommon among travel insurance providers and can be really helpful when things go awry during award travel.

Plan options include accidental death and dismemberment (AD&D) travel life insurance. 

Covers up to $300 in frequent traveler reward costs. 

Worldwide travel assistance included on every policy.

Cancel For Any Reason insurance available only on most expensive plan. 

Just $35,000 in emergency medical for basic plan (low compared to similar policies at other companies).

» Learn more: Our full TravelSafe review

If you’re interested in getting travel insurance, do yourself a favor and consider these tips before making any purchases:

Consult your medical insurance provider to see whether it offers coverage out of country .

Consider an annual plan to save money if you make multiple trips per year.

Check your credit card for complimentary travel insurance . Many offer this benefit, and if its limits are satisfactory, you can book your travels with it and avoid buying a separate policy out-of-pocket altogether. More on this in the next section.

If you're looking to get coverage for a one-off trip, among your best options is to simply pay for your travel with a card that includes travel insurance as a benefit.

Most travel cards will include coverage for things like trip interruption , trip delays and lost luggage .

on Chase's website

on American Express' website

• Trip delay: Up to $500 per ticket for delays more than 12 hours.

• Trip cancellation: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Trip interruption: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Baggage delay: Up to $100 per day for five days.

• Lost luggage: Up to $3,000 per passenger.

• Trip delay: Up to $500 per ticket for delays more than 6 hours.

• Trip delay: Up to $500 per trip for delays more than 6 hours.

• Trip cancellation: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

• Trip interruption: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

Terms apply.

If you’re in the market for single trip travel insurance, there are plenty of options available to you. Before purchasing a plan, grab quotes from multiple companies because the types of coverage and costs are going to vary.

Beyond this, be sure to check whether your credit card offers complimentary travel insurance and reach out to your medical insurance provider to see what type of coverage it offers overseas.

American Express insurance disclosures

Insurance Benefit: Trip Delay Insurance

Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.

Please visit americanexpress.com/benefitsguide for more details.

Underwritten by New Hampshire Insurance Company, an AIG Company.

Insurance Benefit: Trip Cancellation and Interruption Insurance

The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period.

Insurance Benefit: Baggage Insurance Plan

Baggage Insurance Plan coverage can be in effect for Covered Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier Vehicle (e.g. plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one-way or round-trip) is charged to an Eligible Card. Coverage can be provided for up to $2,000 for checked Baggage and up to a combined maximum of $3,000 for checked and carry-on Baggage, in excess of coverage provided by the Common Carrier. The coverage is also subject to a $3,000 aggregate limit per Covered Trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each Covered Person with a $10,000 aggregate maximum for all Covered Persons per Covered Trip.

Underwritten by AMEX Assurance Company.

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

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,125 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

85,000 Earn 85,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening.

Ask the Expert: What you need to know about travel insurance before you go on a trip

Canadians looking to ditch the cold this winter for a sunny destination may want to be prepared in case something goes awry.

While most of the travel issues from the pandemic aftermath are mostly resolved, the industry is still working out the kinks and travel insurance can provide protection in case things don’t go as planned, according to Matt Hands, vice-president of insurance at Ratehub.ca.

“The travel industry is still in a state of flux. It's in a much better position today than it was a year ago, but flight delays will happen,” Hands said in a recent interview with Yahoo Finance Canada.

“There’s a lot of baggage loss that happens. So having that peace of mind in coverage, which isn't quite expensive to add on to a policy – the most expensive part is obviously travel medical — is just something to give peace of mind in case something goes wrong.”

Despite this peace of mind, not everyone buys a travel insurance package before their trip. A 2022 survey from insurance software firm Ancileo found about 68 per cent of Canadians planned to buy travel insurance, while Baby Boomers (73 per cent) were most likely to purchase travel insurance.

Still, there are some tricks to travel insurance that can ensure you’re covered in case your dream trip doesn’t go as smoothly as you envisioned. Yahoo Finance Canada spoke to Hands and Suzanne Morrow, senior vice-president at InsureMyTrip.ca, to discuss all things travel insurance.

What kind of travel insurance plan do I need?

Both experts say a base travel insurance package is appropriate for a short road trip or weekend getaway in the U.S., but anything longer or further may need a more comprehensive plan.

“If you're doing any sort of risky activity, maybe you're going skiing overseas, or maybe you’re going paragliding … this is where it gets a little bit more complex,” Hands said. “You'll want to have a specific type of policy that covers more risky activities and medical coverage because standard policies won't do that.”

Additionally, pre-existing health conditions, the cost of the trip, the modes of transportation you will be using and your destination are things to consider before choosing the level of coverage you may need.

Morrow says any trip with a non-refundable portion that has already been paid is a candidate for insurance as a means to protect against cancellation or interruptions.

“If they're planning a trip and they've put money on the line, they may want to have coverage should something happen to cancel their trip,” she said

Read the fine print and check your credit card insurance

Many Canadians will have some level of travel insurance coverage through either their credit card plan or employer, but it’s important to check exactly what level of coverage these plans provide.

“With credit card (travel insurance), anything you want coverage for has to be purchased through your credit card, which makes sense,” Morrow said.

“If it's limited coverage for things that you're concerned about, you may want to look into buying something in the retail market.”

Morrow adds that many employers only offer emergency medical insurance through company benefits, meaning travellers will likely need to look elsewhere for trip cancellation insurance.

“Know what you have so that you can plan for what you may need to buy,” she said.

“The biggest mistake that we hear about is people assume that they are covered. They don't check, they don't verify, they just assume they're good.”

What snowbirds need to know

Snowbirds, or older Canadians who spend their winters in a warmer climate, should consider their own type of insurance package, Hands says. These packages offer multi-trip coverage over an extended stay and include robust coverage for medical expenses, he adds.

“They're all-inclusive, they include a lot of travel medical coverage, because they're designed with an older clientele in mind, so they're expecting them to need potentially hospital treatment, medical supplies, ambulance services, or physician services, or even as much as emergency dental work, or emergency return to Canada,” Hands said.

According to Statistics Canada , as many as 375,000 Canadians spend at least part of their winter in the U.S. or Mexico. The number of snowbirds may soon rise as well, as Canada’s population ages and U.S. officials consider loosening restrictions on snowbird travel.

Hands says snowbirds considering spending more than a month away from home should tell their home insurance provider about their travel plans.

“If you were to leave, and you had nobody checking on your house, or you didn't do the proper precautions in terms of pipes freezing someone and something happens, they can easily reject your claim,” he said.

Ben Cousins is a freelance journalist based in Toronto. Follow him on Twitter @cousins_ben .

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U.S. News takes an unbiased approach to our recommendations. When you use our links to buy products, we may earn a commission but that in no way affects our editorial independence.

6 Best Cancel for Any Reason Travel Insurance Options

Travelex Insurance Services »

Allianz Travel Insurance »

Seven Corners »

AXA Assistance USA »

IMG Travel Insurance »

Squaremouth »

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 Cancel for Any Reason Travel Insurance Options.

Table of Contents

• Travelex Insurance Services
• Allianz Travel Insurance
• Seven Corners

Even the best travel insurance policies don't cover every "what if." "If you buy travel insurance, there are covered reasons for cancellation or interruption. If your situation doesn't fit those covered reasons, there's no coverage," explains Angela Borden, product strategist with Seven Corners .

That's why cancel for any reason coverage, or CFAR, can be a valuable add-on. With this type of policy, you can cancel your trip for any reason at all and still get a percentage of your prepaid travel expenses back (typically around 50% to 80% of what you’ve already paid; percentages vary by provider).

Read on to see the best cancel for any reason travel insurance options and the main policy details you should know about, as well as answers to common questions around this type of coverage.

• AXA Assistance USA
• IMG Travel Insurance
• Squaremouth

Can cancel trip up to 48 hours before departure

Emergency medical coverage is only $50,000

SEE FULL REVIEW »

Reimburses up to 80% of prepaid travel arrangements

Allows you to cancel trip as late as day of departure

"Cancel Anytime" coverage may not be available in every state

CFAR add-on offers up to 75% reimbursement for prepaid travel costs

CFAR coverage can be purchased up to 20 days after initial trip payment

Benefit not available in all states

Get up to 75% of prepaid travel expenses back when you cancel for any reason

10-day money back guarantee if dissatisfied (prior to your trip)

Must purchase CFAR coverage within 14 days of initial trip deposit

Get back up to 75% of the full cost of nonrefundable travel expenses

CFAR coverage can be purchased within up to 20 days of the initial trip deposit

CFAR coverage does not apply if the travel supplier goes out of business or refuses to provide services

Compare multiple plans with CFAR coverage in one place

Comparison tool makes it easy to price shop

CFAR coverage reimbursements and fine print vary by company

Frequently Asked Questions

Cancel for any reason insurance (also called CFAR coverage) is a type of trip cancellation insurance that lets you cancel your trip for a reason not listed as a covered reason in your plan. For example, you may decide not to travel due to an illness in your extended family or a specific financial issue you're dealing with. In either case, this time-sensitive coverage can help you get reimbursement for prepaid trip payments you have made toward airfare, hotel stays, tours and more.

CFAR coverage typically needs to be purchased within a sensitive period of time after making a trip deposit (usually ranging from 14 to 20 days after). Travelers only get back between 50% and 80% of prepaid travel expenses, depending on your policy, so this coverage won't lead to a full refund.

If you're worried how COVID-19 might affect your travel plans, you can purchase travel insurance that includes COVID-19 coverage . That said, CFAR protection can also be a good investment, particularly if you want the option to cancel based on last-minute disinclination to travel due to the coronavirus pandemic.

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 she 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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After a last-minute flight cancellation last year, I'm making travel insurance a priority this summer

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

• When my flight was canceled last year, I had to get a layover and lost my more expensive seat.
• This year, I'm getting travel insurance, which will cover me if my flight is canceled.
• My travel insurance was just $36, and I'll get hundreds back if something goes wrong.

Last year, I got the chance to attend the charity video game marathon Summer Games Done Quick in person for the first time. I had been a longtime viewer of the event through its online streams, and I was excited to finally go there in person.

The event was held in downtown Minneapolis, and I decided to fly there from my home in Virginia. I knew that travel insurance was valuable, but I opted to forgo it. I've never felt comfortable squeezing into most airplane seats, and I was happy to pay a bit extra for several more inches of legroom, but I didn't really want another expense on top of that.

That turned out to be a big mistake.

My flight got canceled at the last minute

Games Done Quick — which hosts two major events each year, one in the winter and one in the summer — is a weeklong event raising money for charity, running from the afternoon on a Sunday to the end of the following Saturday. I planned on flying out on Saturday and returning on Monday, so I'd have a little bit of time to get settled in before the event started and time to recuperate once it was over, and I had direct flights for both legs of the trip.

The first leg of the trip went great. I arrived right on time, and I caught a ride to the hotel where one of several friends I was sharing a room with had already checked in. I had a great week, even if my sleep schedule suffered. And I figured since I'd given myself an extra day after the end of the event to recover, I'd be fully refreshed once I got back home. When Sunday rolled around and the final tally for the event came in — over $2.2 million raised for Doctors Without Borders — I was sad that the week was over but ready to get home.

On Monday morning, while I was packing, I got an email letting me know that my flight had been canceled, and the flight suggested as a replacement wouldn't leave until Tuesday. There was no way that would work. Thankfully, the employee I spoke to over the phone was very helpful, but the only available flight had a long layover in Dallas — and no open seats in the section I had originally planned on sitting in.

I didn't really have much of a choice at that point. I couldn't spring for a last-minute extra night at a hotel. I had to take the layover and sacrifice the leg room.

This year, I'm getting travel insurance

I was thankful to finally get home close to midnight, but I was barely functional the next day, and I was frustrated that there wasn't a better solution. The fee for the section where I had booked my ticket wasn't very expensive at $43, but it was less about the money and more about the fact that I had more or less been locked into a bad deal with no real way out.

That's why, when I bought my plane tickets for this year's event, I opted to get travel insurance. I booked my flight through Delta, and while checking out, the website quoted a price of $36 for Allianz travel insurance . I opted to take that offer.

My coverage includes up to $300 if my trip is delayed, and I can get a full refund if it's canceled. If I have another flight cancellation, instead of having to take whatever replacement is available to me, I'll be able to take some time to figure out my best option. My travel insurance also means the trip is fully covered if it's canceled outright due to illness, and I'm also covered if my luggage is lost or damaged.

Obviously, there's never any guarantee that travel will go perfectly — any number of unforeseen problems could make a trip go poorly, and travel insurance won't cover all of them. But there's nothing quite as frustrating as a last-minute flight mishap, and I'm relieved to know that if anything goes wrong, I'll have a bit more leeway to make sure I'm getting the best solution.

Watch: Thousands of bags pile up at US airports after flight cancellations

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