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Travel insurance · For Canadians

Travel more.Worry less.

Covered forFloridaEuropeMexicoa cruiseCanadathe winter

Emergency medical, trip cancellation, baggage and more for Canadians travelling in Canada and around the world. Compare plans from Canadian insurers with a licensed Ontario advisor.

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$25,000+One air ambulance from Florida to Canada can cost more than this.
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Why Choosing us:we are a reputable, experienced insurance provider, we provide flexible and affordable Travel Insurance Plan from multiple insurance companies like Manulife Insurance, GMS, TIC Insurance, SRMRM insurance, Travelance Insurance, TUGO, 21st Century, we provide services in Kitchener, Waterloo, Cambridge, Guelph, Stratford ,Hamilton, Brantford, Woodstock, London, Milton, Mississauga, Brampton, Toronto. Super Visa Insurance : Super Visa is a new option for parents and grandparents of Canadian citizens and permanent residents to visit their family in Canada. These individuals may be eligible to apply for the Parent and Grandparent Super Visa to visit their family in Canada for up to 2 years without the need to renew their status. Super Visa Insurance provides coverage for emergency medical and hospital care in Canada. This insurance is valid for 365 days.

How to Apply for Super Visa Insurance

  • Fill out the Application for a Temporary Resident Visa Made Outside of Canada [IMM5257] .
  • Gather any required documentation.
  • Submit your completed form and supporting documents to a visa office.
  • Make sure to pay the fee that coincides with your country or region.
  • Make sure to purchase Visitors to Canada insurance

Super visa Requirements : To obtain a Parent or Grandparent Super Visa for Canada, applicants must have valid Super Visa Insurance. With Super Visa applications They need to provide a proof that they have private medical insurance from a Canadian insurance company valid for a minimum of 1 year from a Canadian insurance company and that it: Here’s the things you need to know before you buy Super Visa Insurance Pre-existing Condition: A Pre-existing condition depends on your health condition means the critical illness, injury, symptom(s) that exists before and after effective date of insurance. Sometimes a healthy applicant can be deemed to have a pre-existing condition based on a past health problem or evidence of treatment for a particular condition. Deductible: Most plans have a variety of deductibles. The deductible is the amount of each claim that you will pay. A $0 deductible means the insurance company pays 100% of each eligible claim. A $1000 deductible means you will pay up to $1000 of each eligible claim and the insurance company will only pay amounts in excess of the $1000. Multiple Entry: Multiple entry coverage provides intermittent coverage that allows you to travel back and forth between Canada and your home country. Your coverage will be interrupted when you return to your home country, and then be automatically reinstated when you return to Canada. Plans that do not offer Multiple Entry have coverage that stops as soon as you return to your home country. Side Trip: Side trip coverage provides travel health insurance for any trips you take outside Canada during your stay, i.e. if you take vacations to the U.S. If you expect to spend some time outside of Canada during the term of your super visa, you should choose a plan that has side trip coverage. Refundable: The government requires that you purchase coverage for a full year. If you’re planning on staying less than a year a refundable plan will allow you to receive a refund of the unused portion of the annual/yearly premiums. These refunds come with conditions, so again it’s important that you read the policy.

Why insure

Your province covers less than you think.

Provincial plans cover only part of emergency care when you travel. Drag through a hospital emergency to see how Ontario's plan works as an example.

$50CAD per day

Ontario example. Other provinces and territories have different rules, so check yours.

What it covers

Follow a trip, chapter by chapter

01TRIP CANCELLATION

Protect what you have already paid

If a covered event forces you to cancel, trip cancellation insurance reimburses non-refundable deposits and the cancellation penalties charged by airlines and tour operators.

  • Non-refundable or non-transferable deposits
  • Carrier and tour operator penalties
  • Covered reasons are named in the policy, such as illness or severe weather
Buy soon after your first trip payment. Some benefits depend on buying within a set time.
Before you go
02DELAY, BAGGAGE AND ACCIDENT

When the journey itself goes wrong

Many comprehensive plans add benefits for the journey: baggage loss, damage and delay, and flight or travel accident cover. They vary by insurer, so read the benefit table.

  • Baggage loss, damage or delay
  • Extra costs when a covered delay strands you
  • Flight and travel accident benefits on some plans
Valuables and electronics often have sub-limits. Unattended items are often excluded.
On the way
03EMERGENCY MEDICAL

The part you cannot do without

Emergency medical insurance pays the covered costs of a sudden illness or injury away from home. The assistance team can arrange care, direct billing and, if needed, transport.

  • Hospital, doctors, diagnostics and prescriptions
  • Ground, air or sea ambulance
  • Meals and lodging while you wait for care
Call the assistance line as soon as you can. Some insurers may reduce benefits if you do not.
At your destination
04RETURN AND RECOVERY

Getting you back safely

If you are seriously ill or injured, medical evacuation and repatriation can bring you home. Policies can also cover extra costs of returning early or unused prepaid travel.

  • Medical evacuation and repatriation
  • Transporting remains if the worst happens
  • Extra costs to return early or late
Your provincial plan does not pay to transfer you home. OHIP says that without travel insurance that includes transportation, you are responsible for the cost of getting back to Ontario.
Coming home
Before you goOn the wayAt your destinationComing home

Plan types

Pick the plan that fits your travel

Prices are typical ranges, not quotes. Your price depends on age, destination, trip length and health.

01

Medical only

Short trips and budget-conscious travellers

Emergency medical, ambulance and return home, with no cover for prepaid costs.

TYPICAL PRICE$30–$80 per trip
02

Medical + cancellation

Trips with non-refundable bookings

Adds reimbursement of non-refundable costs if you cancel or interrupt for a covered reason.

TYPICAL PRICE$80–$200 per trip
03

All-inclusive

Package holidays and cruises

Medical, cancellation and interruption, baggage, delay and accident benefits in one policy.

TYPICAL PRICE$150–$400+ per trip
04

Multi-trip annual

Three or more trips a year

One policy for every trip in the year, each up to a maximum length such as 15, 30 or 60 days.

TYPICAL PRICE$200–$600+ per year
05

Snowbird / long stay

Winters away, 60+ days

Longer single-trip cover. Compare against an annual plan for 30+ day trips.

TYPICAL PRICE$500–$3,000+ per season
06

Student abroad

Study abroad

Monthly cover for students travelling outside Canada.

TYPICAL PRICE$30–$120 per month

Which sounds like you?

Medical only or medical + cancellation$30–$150 for a healthy traveller on a trip under two weeks

Choose a medical limit that matches the destination. Advisors suggest at least $5 million for U.S. travel.

Multi-trip annual$200–$600+ per year

Pick a per-trip maximum (15, 30 or 60 days) that fits your longest typical trip.

Snowbird or long-stay single trip$500–$3,000+ per season

Price rises sharply with age and health. Your provincial plan may also have limits on time away.

All-inclusive$150–$400+ per trip

Insure the full non-refundable cost, and buy soon after your first payment.

Family or all-inclusive planFamily plans are often cheaper than separate policies

Children up to about age 16 to 21 are often included free under a parent policy. Some plans include children under 2 at no extra cost.

Student travel plan$30–$120 per month

Check what your school group plan already covers before buying more.

Emergency medical

What a medical plan can pay for

Covered emergencies only. Always read the policy wording for the limits and conditions that apply to you.

  • Emergency treatment

    Hospital care for a sudden illness or injury.

  • Prescriptions

    Drugs prescribed to treat a covered emergency.

  • Emergency dental

    Dental work after an accident, up to plan limits.

  • Medical equipment

    Crutches, wheelchairs, braces and similar items.

  • X-rays and lab tests

    Diagnostics needed to treat a covered emergency.

  • Ambulance

    Ground, air or sea ambulance when medically necessary.

  • Follow-up visits

    Doctor visits related to the covered emergency.

  • Meals and lodging

    Costs while you wait for care, on many plans.

  • Evacuation and repatriation

    Transport home, including remains if needed.

  • 24/7 assistance

    Multilingual help, referrals to local doctors and direct billing on many plans.

Health rules

Is your condition stable enough?

Many plans cover a pre-existing condition only if it stayed stable for a set period before you leave. Try it with your own situation. This is a guide, not a decision.

Today1 year

If it is not stable, you have options

Do not buy and hope. Unreported conditions can lead to a denied claim.

  1. Wait until the condition stabilizes
  2. Add a stability-period reduction, or ask for individual underwriting
  3. Choose a plan that covers pre-existing conditions without a stability requirement
  4. Ask about a waiver, which usually means buying within a set time of your first trip payment and insuring the full non-refundable cost
  5. Exclude the affected organ or system for a lower premium

Periods run from 7 days to a year by insurer. Some conditions can be excluded even with a waiver, such as Alzheimer's disease, anxiety, depression, pregnancy, alcohol or drug abuse, HIV/AIDS and certain heart and lung conditions.

Not covered

The fine print, in plain words

Every policy has exclusions. These are the common ones to look for before you buy.

Travel advisories: an advisory already in place before you leave is typically not covered, while one issued after you arrive usually leaves your coverage in place.
01Medical7
  • Unstable pre-existing conditions, meaning anything diagnosed, treated or showing symptoms in the look-back period
  • Non-emergency care such as routine check-ups, planned or elective procedures and ongoing treatment
  • Pregnancy and childbirth, which may stop at a certain stage, with normal childbirth often excluded
  • Some mental health and substance use care, which may be limited or excluded
  • Illness or injury where alcohol or drugs contributed, or that involve illegal substances
  • Travelling against medical advice, or travelling to seek treatment
  • Medical costs from war or hostilities, with terrorism often limited
02Cancellation and delay6
  • Reasons that are not on the covered list, such as a simple change of plans
  • Events already forecast or announced before you bought, such as a named storm
  • Missing passports, visas or vaccinations, which are the traveller's responsibility
  • Supplier bankruptcy or default, unless it was included and bought in time
  • Work reasons such as layoffs or schedule changes, unless specifically listed
  • Government advisories and border actions, unless named as covered
03Activities and conduct6
  • Extreme activities such as mountaineering, base jumping or some motorsports, unless you add a rider
  • Off-piste skiing, deep scuba diving and professional sport competition
  • Piloting aircraft, or riding unlicensed motorcycles or ATVs
  • Criminal activity or reckless behaviour
  • Countries under sanctions or embargoes
  • Remote locations with no recognized medical facilities, where evacuation may be limited
04Baggage and rental cars4
  • High-value items such as jewellery, electronics and professional gear, which have sub-limits and need receipts
  • Unattended property, unlocked vehicles and items in plain view
  • Theft claims without evidence, for example of forced entry
  • Rental car waivers that exclude some vehicle types, off-road driving, unlisted drivers or admin fees
05Claim mistakes5
  • Calling the assistance line late, which can reduce or void benefits
  • Missing proof such as police reports, receipts, delay letters or medical records
  • Skipping pre-authorization for non-emergency procedures or evacuations
  • Sending copies when an insurer asks for originals
  • Not answering the medical questions honestly

Cost

What travel insurance really costs

A rule of thumb is 4% to 10% of your trip cost for a plan with cancellation cover. Age is the biggest driver.

RULE OF THUMB, NOT A QUOTE$200–$500

for a trip costing $5,000

$500$20,000
$30–$50Healthy 35-year-old, 5-day New York trip, emergency medical
$600–$900Healthy 62-year-old, five-month Florida stay
$2,000+72-year-old with managed conditions, snowbird stay

What moves your price

  • Age, especially from 60, 65 and 70
  • Destination, with the U.S. costing more than Europe or the Caribbean
  • Trip length and medical limit, from $1M to $10M
  • Deductible: $0, $250, $500 or $1,000+

How to save

  • Compare several insurers, since premiums for the same trip can differ by 30% to 50%
  • Skip the pricey add-on at airline or agency checkout
  • Choose an annual plan if you take three or more trips a year
  • Consider a higher deductible if you are healthy

Ranges are examples and change with age, health and insurer. Request a quote for your real price.

Claims

If something goes wrong

  1. 1

    Call first

    Phone the assistance number on your policy as soon as it is safe to. Medical emergencies may need pre-approval.

  2. 2

    Get care

    They can refer you to a doctor or hospital and arrange direct billing where possible.

  3. 3

    Keep everything

    Medical reports, hospital bills, proof of payment, tickets, cancellation notices, baggage loss reports.

  4. 4

    Submit the claim

    Fill out the form accurately and send it with all documents, online, by email or by mail.

  5. 5

    Follow up

    Check processing times and answer any requests for more information quickly.

Before you buy

Your pre-trip checklist

  • Buy before you leave home, and soon after your first trip payment
  • Match the medical limit to where you are going, with at least $5 million suggested for U.S. travel
  • Answer every medical question honestly, since claims linked to an unreported condition can be denied
  • Check what your credit card and group benefits already cover, and their limits
  • Read the exclusions for activities, such as skiing off-piste or scuba diving
  • Check your province's rules for time away, since provincial coverage can lapse after long stays outside the province or country

FAQ

Questions Canadians ask us

01Do I need travel insurance if I have provincial health coverage?

Provincial plans pay only part of emergency costs when you travel outside Canada. Ontario, for example, pays up to $50 CAD per day for emergency outpatient care and up to $400 CAD per day for intensive care or surgery, and does not cover the cost of transferring you home. Travel medical insurance fills that gap.

02Does it cover trips within Canada?

Yes, plans exist for trips outside your home province or territory. Provincial plans may not cover an emergency return home, so many people insure those trips too.

03When should I buy it?

Before you leave home, and soon after your first trip payment if you want cancellation benefits. A policy bought after your trip has started generally takes effect 48 hours after purchase.

04Are pre-existing conditions covered?

Often, if the condition was stable for the period your insurer requires, which commonly runs from 30 to 180 days but can range from 7 days to a year. Some plans cover unstable conditions for a higher premium, and some conditions can be excluded even with a waiver.

05Is my credit card insurance enough?

Check the limits. Card coverage often caps medical at about $500,000 and trips at 10 to 15 days, and you usually cannot top it up through the card.

06How much does it cost?

Typically 4% to 10% of trip cost. A healthy 35-year-old might pay $30 to $50 for a 5-day New York trip, while a 62-year-old on a five-month Florida stay might pay $600 to $900. Age is the biggest driver.

Ready when you are

Book the trip. Cover the rest.

Compare travel insurance from Canadian insurers in about 2 minutes, with help in English, Hindi and Punjabi.

Get a free quote →Call 1-855-500-8999