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Our best travel insurance for visitors to Canada

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

Travel Insurance to Canada: Tips & Quotes for US Visitors

Sarah Stasik

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

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

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

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

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

Our top picks for the best canada travel insurance

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

Best for High Medical Coverage

Tin Leg

Why We Like It

Editor's take

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

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

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

Read our full review

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

Best Coverage for Pre-Existing Conditions

Seven corners.

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

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

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

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

Best Basic Coverage

Generali global assistance.

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

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

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

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

Best for Medical Evacuation Coverage

Travel insured international.

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

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

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

Best for Travelers Aged 80+

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

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

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

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

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

Do I need a passport to visit Canada?

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

Do I need to be vaccinated to go to Canada?

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

Do Americans need travel insurance in Canada?

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

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

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

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

Hazards in Canada’s national parks

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

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

Wildfire season

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

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

Winter weather

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

Winter sports

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

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

Travel insurance plans are typically divided into two distinct categories:

Medical-based travel insurance

  • Comprehensive travel insurance

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

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

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

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

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

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

Comprehensive travel coverage

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

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

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

Optional Add-ons

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

Does US health insurance work in Canada?

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

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

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

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

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

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

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

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

We used the following details to obtain quotes:

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

The table below shows quotes for basic travel insurance plans.

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

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

Cost Example Where Travel Insurance Plan Reimburses the Full Trip Cost

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

Factors that influence the cost of travel insurance include:

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

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

Shop around and compare

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

Think about additional coverages you may need

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

Adjust your transportation plans

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

Purchase a policy early

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

Do I need travel insurance to visit Canada?

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

Can I use my US health insurance in Canada?

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

Do I need travel health insurance for Canada?

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

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

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

What happens if I get sick in Canada?

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

Sarah Stasik

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

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

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Travel Insurance

Travel insurance for Canada

Mandy Sleight

Alyce Meserve

Alyce Meserve

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

Heidi Gollub

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 Sleight

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

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

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

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Canada Travel Insurance

Travel insurance for canada: a guide for us travelers .

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

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

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

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

  • Travel Insurance Requirements for Canada 

Are there any COVID-19 restrictions for US Visitors? 

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

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

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

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

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

How AXA Travel Protection Can Benefit Visitors to Canada 

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

Medical Benefits: 

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

Baggage Benefits: 

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

Pre-Departure Travel Benefits: 

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

Additional Optional Travel Benefits:

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

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

Why? There are several reasons: 

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

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

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

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

Travel Insurance requirements for Canada 

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

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

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

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

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

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

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

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

FAQs about Canada Travel Insurance   

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

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

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

2. Do US citizens need travel insurance to Canada? 

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

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

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

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

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

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Canadians are optimistic about travel in 2024

The cost of travel is on the rise, but that isn’t stopping most Canadians from planning a vacation.

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

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

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travel insurance for travel to canada

Top Travel Insurances for Canada You Should Know in 2024

Byron Mühlberg, writer at Monito.com

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.

Get a quote 🡪

  • 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.

Get a quote 🡪

  • 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)!

Get a quote 🡪

  • 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

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Looking for Travel Insurance to Another Country?

See our recommendations for travel insurance to other countries worldwide:

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HelloSafe » Travel Insurance

Best travel insurance in Canada for 2024

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

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

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

Top 10 travel insurance Canada plans

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

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

What is travel insurance?

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

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

What is international travel insurance?

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

How does travel insurance work?

Here's how it typically works:

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

What does travel insurance cover?

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

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

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

What does it not cover?

Common exclusions typically include:

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

What are the different types of travel insurance?

The most common categories are:

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

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

What is travel medical insurance?

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

How much is travel insurance?

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

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

How much is travel insurance in Canada?

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

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

Prepare for your trip Compare. Choose. Save.

What does travel insurance for seniors cover?

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

Leading plans medical travel insurance for seniors Canada plans offer:

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

How much is travel insurance for Canadian seniors?

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

What is the best travel insurance for visitors to Canada?

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

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

Is it mandatory to have travel insurance to visit Canada?

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

Good to know

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

How to get the cheapest travel insurance Canada plans?

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

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

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

When should I buy travel insurance?

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

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

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

What are the best travel insurance plans in 2024?

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

Other popular companies include the following :

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

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

What are the FAQs on travel insurance Canada plans?

How does credit card travel insurance work.

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

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

The best travel insurance credit cards have offerings like this:

Does travel insurance cover COVID-19?

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

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

There are a few important points to consider:

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

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

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

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

Do I need travel insurance to USA from Canada?

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

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

Do I need travel insurance within Canada?

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

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

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

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

What does travel insurance for snowbirds cover?

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

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

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

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

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

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

How do I buy travel insurance online?

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

How much travel insurance do I need?

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

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

What is the best travel insurance for cancer patients?

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

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

Does travel insurance cover cruises?

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

They cover:

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

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

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

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

I am wanting a quote for travel/medical insurance

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

Have a nice day, The HelloSafe team

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

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

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

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

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

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

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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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Author: Lisa Jackson

By Lisa Jackson

We adhere to strict standards of editorial integrity to help you make decisions with confidence. Please be aware that some (or all) products and services linked in this article are from our sponsors.

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What's the best coverage for you?

Best travel insurance in Canada

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We adhere to strict standards of editorial integrity to help you make decisions with confidence. Please be aware this post may contain links to products from our partners. We may receive a commission for products or services you sign up for through partner links.

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

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

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

World Nomads: Best for thrill seekers

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

World Nomads

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

CAA Travel Insurance: Best for families

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

CAA

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

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

Blue Cross: Best for seniors and retirees

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

Blue Cross

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

Travel CUTS Bon Voyage Insurance: Best for budget travellers

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

Travel CUTS

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

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

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

<a href="https://www.coverme.com/travel-insurance.html?province=ON&agecode=0" target="_blank">Manulife CoverMe</a>

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

Medipac Travel Insurance: Best for emergency medical assistance

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

Medipac Travel Insurance

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

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

Allianz Travel Insurance: Best for frequent travellers

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

<a href="https://www.allianztravelinsurance.com/" target="_blank">Allianz Travel Insurance</a>

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

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

Will my provincial insurance be valid overseas?

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

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

Will my provincial insurance work in another province/territory?

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

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

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

What does the best travel insurance in Canada cover?

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

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

Additional benefits may include:

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

How much coverage do I need?

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

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

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

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

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

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

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

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

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

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

Can I get travel insurance for part of a trip?

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

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

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

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

Recommended reads

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

About our author

Lisa Jackson

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

If you plan to travel outside Canada ‒ even for a day in the United States – you should buy travel health insurance before you leave.

If you're flying, make sure you get insurance for trip interruption, lost luggage and document replacement. If you're driving, make sure you have driver and vehicle coverage in case you have an accident.

On this page

  • Why you should buy travel health insurance

Where you can get travel insurance

  • What your travel health insurance should cover

Choose the best insurance based on your needs

Meet the terms of your policy, check for travel advisories, if you live or work outside canada, if you study outside canada, why you should buy travel health insurance .

  • Your Canadian health insurance may not pay your medical bills while you're outside Canada
  • Your provincial or territorial health plan may cover none, or only a small part, of the costs of your medical care abroad. It will never pay your bills up front
  • Foreign hospitals can be very expensive and may require immediate cash payment
  • In some countries hospitals and clinics will not treat you if you do not have enough insurance or money to pay your bills
  • The Government of Canada will not pay your medical bills

You can buy travel insurance through your:

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

What your travel health insurance should cover 

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

1. Medical evacuation

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

2. Pre-existing medical conditions

Ask the company 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, or you could find your claim “null and void” under a pre-existing condition clause.
  • you must have no changes to your medical condition
  • you must have 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, and
  • a change of health clause.

3. Repatriation in case of death

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

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

For more information, see our Death abroad page.

Carefully 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.

  • Is there a deductible, and how much is it? Plans with 100% coverage are more expensive but may save 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 greatly limit coverage for certain regions or countries you may visit?
  • 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 cash advances up front, so you don’t have to pay them?

It's your responsibility to know and understand the terms of your insurance policy. Read the fine print carefully 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 while you're travelling and leave a copy with a friend or relative at home.

Understand potential exclusions

Get approval from your insurer before you undergo medical treatment. Travel health insurance rarely covers routine health checkups, non-emergency care and cosmetic surgery. It may not cover mental health disorders, drug- or alcohol-related incidents, or extreme sports such as bungee jumping and rock climbing.

If you need to make a claim

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.

Check the  Travel Advice and Advisories  for your destination twice: once when you are planning your trip and again just before you go.

Your insurance company may not pay your medical claim if the Government of Canada has issued a Travel Advisory for your destination.

Travel insurance is not intended for use when you are living for an extended period, or permanently, outside Canada. If you live abroad, or you’re planning to move to a different country, you should consider your insurance needs carefully. Local law may require you to have medical insurance, and you may have to include proof of medical insurance with your visa application.

If you study outside Canada or are planning to go to a different country to study, contact your educational institution or program administrator for advice on the coverage you need.

  • Say Yes to Travel Insurance
  • Bon Voyage, But…  (Travel insurance section)
  • Well on Your Way  (Obtain travel insurance section)
  • A Guide to Travel Health Insurance , The Canadian Life and Health Insurance Association
  • Guide to Travel Health Insurance , the International Association For Medical Assistance to Travellers

Life Insurance

Mortgage Protection

Critical Illness

travel insurance for travel to canada

Term life insurance pays out a tax free lumpsum when you pass away.

Life Insurance that never expires

A permanent life insurance purchased for a minor child, by a parent or grandparent

Life Insurance without any blood work or medical checkups

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Term life insurance that pays off your outstanding mortgage debt and more should you pass away unexpectedly

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Compare Canada’s Best Travel Insurance

travel insurance for travel to canada

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The country’s leading travel insurance broker

Canadians are choosing PolicyAdvisor to help them with all their travel insurance needs. Whether vacationing abroad or visiting Canada temporarily, our advisors can help you find the right coverage.

Travelling Canadians

Cover unexpected medical expenses when you travel abroad

Visitors to Canada

Comprehensive emergency medical coverage for a visit to Canada

Super Visa Insurance

Coverage that fits the requirements for those applying for a Canadian super visa

Cover your time away as you escape from Canada's winter

International Students

Coverage for international students attending school in Canada or Canadians studying abroad

Foreign Workers

Coverage for those working in Canada before they are eligible for provincial health plans

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What is travel insurance?

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

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

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

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

Learn more about travel insurance

travel insurance for travel to canada

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

Who needs travel insurance?

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

Inbound travellers

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

Outbound travellers

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

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

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

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

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

Super visa insurance

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

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

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

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

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

Who offers the best travel insurance in Canada?

travel insurance for travel to canada

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

Some of our partners include:

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

Get instant quotes from Canada’s top travel insurance companies

Why should you buy travel insurance?

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

For Canadian travelling abroad

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

For those visiting Canada

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

Frequently asked questions

How much does travel insurance cost?

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

Can't I just use credit card travel insurance?

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

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

Does travel insurance cover pre existing conditions?

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

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

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

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

Can you get a refund for travel insurance?

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

Is travel insurance mandatory?

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

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

Does provincial healthcare cover you when travelling abroad?

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

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

Can I get travel insurance after I have left Canada?

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

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

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

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

travel insurance for travel to canada

  • Nationwide Travel Insurance
  • AXA Assistance USA
  • Travel Guard
  • Berkshire Hathaway Travel Protection
  • Tin Leg Travel Insurance
  • WorldTrips Travel Insurance
  • Trawick International Travel Insurance
  • Travelex Travel Insurance

Travel Insurance Tips

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Ultimate Guide to Choosing the Best Travel Insurance

Our experts answer readers' insurance questions and write unbiased product reviews ( here's how we assess insurance products ). In some cases, we receive a commission from our partners ; however, our opinions are our own.

Traveling is an adventure, a leap into the unknown, a story waiting to unfold. But every story needs a safety net, and that's where travel insurance comes in. In this travel insurance guide, we'll embark on a journey to help you better understand travel insurance and uncover the benefits that make it an indispensable companion for any traveler.

Best Travel Insurance Companies

  • Nationwide Travel Insurance : Best Overall
  • AXA Assistance USA : Runner-Up
  • Travel Guard : Best for Cruises
  • Berkshire Hathaway Travel Protection : Best Reputation
  • Tin Leg Travel Insurance : Best for Travelers with Preexisting Conditions
  • WorldTrips Travel Insurance : Best for Digital Nomads
  • Trawick International Travel Insurance : Best Low-Cost Option
  • Travelex Travel Insurance : Best for Road Trips

Compare the Top Travel Insurance Offers

Nationwide Nationwide Travel Insurance

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

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

  • Cancel for any reason coverage available

AXA AXA Assistance USA

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

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

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

AIG Travel Guard

Trip cancellation coverage for up to 100% of the trip cost and trip interruption coverage for up to 150% of the trip cost

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Trip cancellation coverage of up to 100% of the cost, for all three plan levels
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. CFAR covers up to 75% of total trip costs (maximum of $112,500 on some plans) 
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Medical coverage of up to $500,000 and evacuation of up to $1,000,000 per person
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Includes COVID coverage 
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Above average baggage loss and delay benefits
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. High medical evacuation coverage
  • con icon Two crossed lines that form an 'X'. Premiums may run slightly higher than competitors

Travel Guard is a well-established and highly rated name in the travel insurance industry. It offers three main coverage options to choose from, and in general its policies have above-average coverage for baggage loss and baggage delays, plus high medical evaluation coverage limits.

  • Trip cancellation coverage for up to 100% of the trip cost
  • Trip interruption coverage for up to 150% of the trip cost
  • Preexisting medical conditions exclusions waiver must be purchased within 15 days of initial trip payment
  • Annual travel insurance plan and Pack N' Go plan (for last-minute trips) available

Berkshire Hathaway Berkshire Hathaway Travel Protection

Covers up to 100% of trip cancellation costs, a minimum of up to $750 in luggage losses, and 24/7 worldwide travel insurance

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers up to 100% trip cancellation refund for eligible travel
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Plans are customizable with relevant add-ons
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Good customer service and easy sign up according to traveler reviews
  • con icon Two crossed lines that form an 'X'. More affordable plans offer low caps on medical and emergency coverage
  • con icon Two crossed lines that form an 'X'. Premiums are on the expensive side relative to comparable competitor plans
  • con icon Two crossed lines that form an 'X'. Claims may take longer during peak travel seasons

Berkshire Hathaway Travel Protection is one of the leading insurance brands on the market. It offers several plans with key add-ons for travelers.

  • This provider underwrites travel insurance policies for a number of other companies in addition to offering its own plans
  • Travelers can file claims directly from a smartphone by using the BHTP app

TinLeg Tin Leg Travel Insurance

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Policy coverage includes most pre-existing health conditions
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous medical and evacuation amounts for peace of mind
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. COVID coverage included by default on all insurance plans
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers a wide range of plans for various budgets and travel needs
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Some plans offer CFAR, “cancel for work reasons,” financial default, and unemployment coverage
  • con icon Two crossed lines that form an 'X'. Limited add-on coverage options
  • con icon Two crossed lines that form an 'X'. Baggage loss and delay coverage is low compared to competitors

Tin Leg travel insurance offers eight travel insurance plans to meet the unique needs of travelers.

  • Tin Leg was founded in 2014 by the travel insurance industry experts at Squaremouth. Designed to meet the most common needs of travelers, these policies offer comprehensive Trip Cancellation and Trip Interruption benefits, and a range of Emergency Medical and Medical Evacuation limits.

WorldTrips WorldTrips Travel Insurance

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Affordable base plans that can be customized with add-ons including rental car, pet care, hunting and fishing, and vacation rental coverage
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Insurance plans available for international student travelers
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Trip delay coverage benefit that kicks in after just five hours
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Pre-existing conditions waiver can be purchased within 21 days of initial trip payment
  • con icon Two crossed lines that form an 'X'. Lower medical, evacuation and accidental death limits
  • con icon Two crossed lines that form an 'X'. Limited, secondary baggage loss coverage although baggage protection can be upgraded at a low cost
  • con icon Two crossed lines that form an 'X'. No special coverages for pets, sports equipment, etc.

WorldTrips has been a reputable travel insurance provider for more than 20 years. Unsurprisingly, it boasts an A+ rating from the Better Business Bureau and positive reviews from thousands of customers.

  • Travel medical insurance (Premium, Group, Annual, and International Student options)
  • Trip cancellation insurance
  • Trip protection insurance

Trawick Trawick International Travel Insurance

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Useful for adventurous travelers headed to higher-risk destinations
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Affordable plans with varying levels of coverage
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. 10-day free look option
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous baggage loss replacement policy
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Trip delay coverage kicks in after just six hours
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Some policies allow a CFAR add-on
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Up to $1 million medical evacuation coverage limit
  • con icon Two crossed lines that form an 'X'. Baggage and trip delay coverages don’t kick in until after the 12-hour mark
  • con icon Two crossed lines that form an 'X'. International student policies available for temporary stints abroad
  • con icon Two crossed lines that form an 'X'. Complaints about claims not being paid or involving an intermediary to resolve claims

Trawick International travel insurance offers plans customized to diverse travelers' needs. We look at coverage options, claims processing, pricing, and other important factors for savvy travelers.

  • Travel medical insurance
  • Trip protection and cancellation
  • International student insurance
  • Visitor medical insurance (for traveling to the US)

Travelex Travelex Travel Insurance

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Options to cover sports equipment
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Option to increase medical coverage
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Can cancel up to 48 hours before travel when CFAR option is purchased
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Affordable coverage for budget-conscious travelers
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Includes generous baggage delay, loss and trip delay coverage
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Optional "adventure sports" bundle available for riskier activities
  • con icon Two crossed lines that form an 'X'. Only two insurance plans to choose from
  • con icon Two crossed lines that form an 'X'. Medical coverage maximum is low at up to $50,000 per person
  • con icon Two crossed lines that form an 'X'. Pricier than some competitors with lower coverage ceilings
  • con icon Two crossed lines that form an 'X'. Some competitors offer higher medical emergency coverage

Travelex travel insurance is one of the largest travel insurance providers in the US providing domestic and international coverage options. It offers a basic, select, and America option. Read on to learn more.

  • Optional CFAR insurance available with the Travel Select plan
  • Trip delay insurance starting at $500 with the Travel Basic plan
  • Emergency medical and dental coverage starting at $15,000

Best Travel Insurance Reviews

Best overall travel insurance: nationwide travel insurance.

Nationwide Travel Insurance is of the largest players in the travel insurance space, offering nearly endless options for any customer on the travel spectrum, including annual travel insurance plans which can offer frequent travelers the flexibility to "set it and forget it" on their travel insurance coverage.

Nationwide Essential also offers some of the most affordable policies in the market compared to similar plans from competitors, which makes it a great pick for just about anyone. Buyers can discuss bundling options as Nationwide also sells homeowners, auto, pet, and other insurance products. Its travel insurance quoting is just as easy as it has been with other Nationwide insurance products.

Nationwide Travel Insurance Review

Runner-Up: AXA Assistance USA Travel Insurance

AXA Assistance USA  offers consumers a great option for no-stress travel insurance: low-priced plans, generous coverage limits on key categories including primary insurance on lost luggage, and up to 150% reimbursement for qualifying trip cancellations.

While add-ons are limited and rental car coverage is not included by default on cheaper plans, AXA is a perfect fit for travelers who don't plan to drive (or who already hold a travel credit card with rental car coverage), and don't need any additional bells and whistles.

AXA Assistance USA Travel Insurance Review

AIG Travel Guard Travel Insurance: Best Travel Insurance for Cruises

Travel Guard is well-known insurance provider, and a great fit for travelers who want to ensure that they can get their money back in the event of canceled or interrupted travel plans.

While the company's policies can be pricey compared to its competitors, the high medical and evacuation limits make AIG a solid choice for older travelers who value peace of mind and simplicity over highly customizable plans that may be bolstered with medical upgrades.

AIG Travel Guard Review

Best Travel Insurance for Company Reputation: Berkshire Hathaway Travel Protection

Berkshire Hathaway Travel Protection  helps travelers make the best of bad situations by simplifying the process of filing a claim down to a simple photo snap and some basic paperwork submitted directly through a dedicated app.

Approved claims are also paid out very rapidly, making it easier to carry through with a trip when luggage has been lost or alternative travel plans need to be made on the fly.

Berkshire Hathaway Travel Insurance Review

Best for Travelers with Preexisting Conditions: Tin Leg Travel Insurance

Tin Leg Travel Insurance is a great fit for travelers with medical issues in particular. Thanks to coverage for preexisting medical conditions as well as for potential COVID-19 infection while traveling, this company offers some of the best financial investment options for travelers who are or will be exposed to higher health risks and issues.

Tin Leg Travel Insurance Review .

Best Travel Insurance for Digital Nomads: WorldTrips Travel Insurance

WorldTrips Travel Insurance has affordable premiums, highly customizable add-ons, and generous coverage for core categories of travel insurance. All this makes it a great option for digital nomads, students studying abroad and backpackers.

However, travelers should keep in mind that plans are not particularly flexible, and coverage amounts are limited unless you plan ahead to pay for the areas and amounts that you need.

WorldTrips Travel Insurance Review

Best Low-Cost Travel Insurance Option: Trawick International Travel Insurance

Trawick International Travel Insurance  is another medically robust insurance provider that can help higher-risk and anxious travelers find peace of mind while on the road. This company offers one of the most generous medical evacuation policies in the market, although travelers will need to remember to add on rental car coverage if they need it.

Trawick Travel Insurance Review

Best Travel Insurance for Road Trips: Travelex Travel Insurance

Travelex Travel Insurance  offers three plans:

  • Travel Basic
  • Travel Select
  • Travel America

The Travelex American plan is meant for trips limited to the US, but it has the highest coverage limits in many areas compared to its other programs. If you're flying somewhere, the lost baggage limits are higher. Its natural strengths shine for road trippers, though. Travelex America adds coverage for roadside service and rental car coverage for unexpected accidents. It also covers pets should you be involved in an accident while on the road.

While your standard auto insurance does extend to car rentals within the US for a limited time, any accident would affect future rates. Travelex would eliminate the risk of reporting to your auto insurance provider for minor incidents within its purview.

Travelex Travel Insurance Review

Introduction to Travel Insurance

Why travel insurance is a must-have.

The unpredictable nature of traveling – from flight cancellations to medical emergencies – can turn your dream vacation into a nightmare. Travel insurance acts as a personal safeguard, ensuring that unexpected events don't drain your wallet or ruin your trip.

Understanding Different Types of Travel Insurance

Not all travel insurance policies are created equal. From single-trip travel insurance policies to annual travel insurance plans , from minimal coverage to comprehensive protection, understanding the spectrum of options is your first step in finding the right fit for your journey.

Key Features to Look for in Travel Insurance Coverage

Travel insurance for medical emergencies.

Imagine falling ill in a foreign country; daunting, right? A robust travel insurance plan ensures you don't have to worry about the financial aspect of receiving medical care while traveling , even in the most remote corners of the globe.

Trip Cancellation and Interruption Benefits

Life is full of surprises, some less pleasant than others. Trip cancellation and interruption coverage ensures that you're not left out of pocket if unforeseen circumstances force you to cancel or cut your trip short.

Coverage for Personal Belongings and Baggage Loss

Losing your belongings is more than an inconvenience; it's losing a piece of your world. Insurance that covers personal belongings and baggage loss ensures that you're compensated for your loss, helping you to rebound and continue your adventure.

Support and Assistance Services

In times of trouble, having a lifeline can make all the difference. Look for insurance that offers 24/7 support and assistance services, giving you peace of mind that help is just a phone call away.

Choosing Travel Insurance

Reputation and reliability of the travel insurance provider.

A provider's reputation is not just about being well-known; it's about reliability, customer satisfaction, and the ability to deliver on promises. Researching and choosing a reputable provider is a cornerstone in ensuring your safety and satisfaction.

Understanding the Policy's Fine Print

The devil is in the details, and understanding the fine print of what your travel insurance policy covers is crucial. Be aware of coverage limits, exclusions, and the process for filing a claim to avoid any unpleasant surprises.

Customer Reviews and Feedback

In the age of information, customer reviews and feedback are goldmines of insight. Learn from the experiences of others to gauge the reliability and customer service of the insurance provider you're considering.

How to Get the Most Out of Your Travel Insurance

Knowing your policy inside out.

Familiarize yourself with every aspect of your policy – what it covers, what it doesn't, how to file a claim, and who to contact in an emergency. Being informed means being prepared. 

Steps to Take When a Problem Arises

If you face an issue during your travels, knowing the immediate steps to take can make all the difference. Keep important contacts and your policy details handy, and remember, your insurance provider is there to assist you.

How to Pick the Best Travel Insurance Company for You

There isn't a one-size-fits-all policy that works perfectly for every traveler. Young, healthy solo travelers can opt for much cheaper plans that offer bare-bones coverage, while families juggling complex itineraries will do best by investing in a robust policy that can help defray any costs associated with lost baggage, delayed transportation or other trip-impeding obstacles.

That being said, you can't go wrong with a travel insurance provider that boasts a reputable history and offers a wide range of customizable plans. In some cases, you may be comparing plans that are only a few dollars' apart from each other. In such situations, you should generally opt for the insurance company that offers the strongest customer service. It's also worth considering whether or not the travel insurance provider has been reviewed by other travelers with similar itineraries to your own. 

An insurance aggregator like InsureMyTrip or Squaremouth is one of the best tools for searching travel insurance policies. Once you input the specifics of your travel itinerary, you'll be able to see hundreds of search results to compare the ones that catch your eye. If the options are too overwhelming, use the filters to the left of your search page to eliminate as many irrelevant plans as possible.

Yes, travel insurance typically offers some coverage of canceled flights, but if this benefit is important to you, make sure you read the fine print of your policy to make sure it offers adequate reimbursement. If you think you may need to cancel your travel plans, you should consider purchasing cancel for any reason (CFAR) travel insurance .

Travel insurance will pay out if you experience a covered event, such as a travel delay or delayed or lost baggage. If you're looking to get travel insurance for a specific reason, such as needing to potentially cancel your trip, make sure your policy will cover you in that situation before purchasing it.

Most comprehensive travel insurance policies include medical coverage that can come in handy if an emergency occurs and you need medical evacuation. Some travel insurance plans offer more specialized coverage for travelers with preexisting conditions, so shop around if medical coverage is a top priority for you. 

$100,000 should be a sufficient medical coverage limit for travel insurance. If you're planning on doing extreme sports or anything particularly risky on your trip, you may want to increase your coverage level. A high medical coverage limit is especially useful when you're purchasing cruise travel insurance, since medical evacuations are more involved at sea.

Why You Should Trust Us: How We Chose The Best Travel Insurance Companies

To come up with our list of the best travel insurance companies, we evaluated each insurer based on the following factors:

Guide Methodology: What We Considered

Policy Types

Travel insurance is essential, but often underused partly because people aren't getting what they want. Business Insider's 2023 travel study showed 10.65% of travelers surveyed bought cancel for any reason insurance. Cost may be a factor, but in many cases, the coverage is more affordable than you might think. Regardless, companies must offer a diverse range of coverage options. We award 5 stars to companies offering all standard coverages and additional options like pet and sports equipment protection.

Our 2022 travel study indicated the majority of purchases were made through the travel provider (ex: flight protection insurance when you're purchasing your airline tickets). While these may be sufficient for some customers, we look for companies offering a more comprehensive range of services.

According to the US Travel Insurance Association, the average cost of travel insurance will be between 4% and 8% of total travel expenses. Anything beyond that price point should include additional benefits beyond the standard inclusions, such as CFAR protection or upgraded medical coverage. Anything below that 4% threshold may leave you lacking important or sufficient coverage in an emergency.

Convenience and Flexibility

Whether you're an infrequent traveler or a suitcase warrior, a good travel insurance company should have you covered. In many cases, you might not even have to talk to a person in order to purchase your policy.

Many people think of travel insurance in context with specific trips, but most of these top contenders sell both single-trip and multi-trip policies, also known as annual travel insurance. Some companies also offer plans specifically designed for cruisers, students abroad, and business travelers. (Read our guide to the best cruise travel insurance companies for more details.) Finally, all of these providers offer multiple options for getting the specific areas and amounts of coverage that you want.

Claims Handling

Most travelers never have a large claim. Premiums are low, and it provides peace of mind for the just in case situations. So they leave reviews based on their reduced stress levels. But what happens if you lose your luggage or have to stay a few extra days due to an unexpected accident? Will your insurance carrier cover your claim without all the hassle? We check real customer reviews to sort this out for you.

Ease of Use and Support

When purchasing, during your trip, and throughout the claims process, you may need extra support. Does the company have a 24/7 help line? Does it have an online or mobile system allowing you to self-manage? Essentially, what are the options when you need help? We look at the big picture to evaluate the average customer experience with each company.

You can read our full insurance rating methodology for even more details.

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

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

**Enrollment required.

travel insurance for travel to canada

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AAA Travel Services

Planning a vacation can be exciting but also a bit overwhelming. That's where AAA Travel comes in! Our team of knowledgeable and friendly AAA Travel Agents are here to help you every step of the way. Plus, as a AAA member, you will enjoy exclusive savings and discounts on everything from passport services to cruises, tours and vacations. Whether you're looking for a relaxing beach getaway or an adventure-packed trip, AAA can help you plan the perfect vacation that fits your needs and budget. So, sit back, relax and leave the planning to us. We are here to make your dream vacation a reality.

AAA Hotel Search

Aaa flight search, aaa rental car search, aaa cruise search, trip canvas.

Are you seeking the ultimate vacation planning tool that will bring your travel dreams to life? Look no further than AAA Trip Canvas, where you can plan your dream getaway with ease. With a wide variety of travel inspiration at your fingertips, you can plan exciting road trips, luxurious cruises and memorable vacations. From hand-picked hotels and restaurant suggestions to expert travel advice, you will find all the resources you need to ensure an unforgettable vacation experience. With AAA Trip Canvas, your next adventure is just a few clicks away.

Ready to plan your next adventure? Look no further than the AAA TourBook®, your ultimate travel guide. With just a few clicks, you will gain access to valuable information and expertise from the trusted source in travel, AAA. Browse through a hand-selected collection of AAA Diamond designated hotels and restaurants, read expertly written articles on top travel destinations and discover new experiences. Start planning your next journey today and let the TourBook® be your trusted guide along the way.

Looking for an easy way to plan your next road trip? AAA's TripTik® has got you covered! You can easily map out your route, get turn-by-turn directions and even find stops along the way for hotels, restaurants and attractions. And the best part? AAA's travel expertise means you'll have access to exclusive discounts and recommendations to ensure your trip is the best it can be. Whether you're a seasoned road-tripper or a first-time explorer, TripTik® is the perfect tool to make your journey smooth and stress-free. Hit the road with confidence — start planning your next adventure!

Cruise Partners

Looking for an incredible vacation experience on the water with amazing ports? Look no further than AAA to book your next cruise. Our cruise partners are the best in the industry and offer affordable prices and exclusive benefits and savings. Whether you're looking for a relaxing voyage through the Caribbean or an adventure-filled Alaskan experience, AAA cruise partners have the perfect vacation for you. Don't miss out on this opportunity to embark on the cruise vacation of a lifetime.

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Hotel Partners

AAA members get exclusive access to hotel discounts and AAA Hot Deals with AAA Preferred hotel partners. You won't find rates like these anywhere else. Whether you're planning a family vacation or a weekend getaway, AAA has you covered. Don't wait — book your next hotel stay with one of our trusted partners and start saving today.

Vacations Partners

If you are searching for a vacation that is tailored for your needs, book a AAA tour package. These vacations offer member benefits that cannot be found elsewhere. Our tour partners offer the perfect vacation experiences for your choice of travel style. With guided tours, independent travel, and carefully selected destinations, you can trust that your vacation will be enjoyable and stress-free. Don't wait any longer to plan your next trip — book today and start making memories!

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Take advantage of the benefits of being an AAA member. Our partnerships with Hertz, Dollar, and Thrifty offer exclusive deals and discounts to help you save on your next rental car. Don't miss out on these incredible deals and savings. With the ease and convenience of online booking, securing a rental car at a special rate has never been easier.

AAA Vacations ®

When it comes to your dream vacation, you want the best of the best. With AAA Vacations®, you'll get just that. Experience unique adventures with our guided tours or take the reins with independent travel — either way, you'll be sure to have a memorable trip. And as a AAA member, you'll receive exclusive benefits and savings that will enhance your vacation, whether it's a family getaway or a solo adventure. We partner with top-tier travel companies to provide you with the best possible experience, so don't wait any longer. Book your dream vacation now.

AAA Diamonds

When it comes to travel planning, one thing you don't want to overlook is the AAA Diamond designation for hotels and restaurants. These Diamond designations are not handed out lightly — they are bestowed only on the cleanest and most well-run establishments. After all, they've been inspected by professional AAA Inspectors who take a detailed look at each property’s level of quality, cleanliness and condition. If you want peace of mind, make sure you check out the AAA Diamond designations for the places you'll be visiting. It could make all the difference in your trip.

Travel Articles

Need travel advice that will inspire you to pack your bags and hit the road? Our AAA Travel Editors carefully curate a wide variety of travel articles that provide tips, information and inspiration for your next adventure. From insider destination information to expert planning advice, AAA has everything you need to experience the world like a pro. And the best part? AAA members enjoy exclusive benefits and discounts on travel. Experience the best things to see and do with AAA.

AAA Road Trips

Planning an unforgettable road trip? Let AAA be your go-to source. Our team of experts has handpicked the best hotels and attractions along the way to ensure that your journey is both comfortable and remarkable. Whether you want to venture off the beaten path or stick to the tried-and-true, AAA's recommendations keep members’ needs and expectations in mind. Let AAA take care of the details so you can fully enjoy the adventure.

Member Benefits

Find aaa office.

AAA is always here to help, and it's easy to get the support you need in-person or online. Simply go to our website and use the office locator tool to find a nearby AAA office. Whether you're at home, work or on the go, you're never far from a friendly and knowledgeable AAA travel professional who can answer your questions and help you with all your travel needs. Experience the peace of mind that comes when you Travel With Someone You Trust®.

Travel Insurance

Securing travel insurance can give you peace of mind knowing that you and your loved ones are protected in case of unforeseen circumstances. AAA can be your resource when travel delays, emergencies and even cancellations occur. Whether you are traveling domestically or internationally, AAA offers numerous comprehensive options tailored to your needs. Don't let unexpected circumstances add to your mental load, get your travel insurance through AAA and travel with confidence.

International Travel

International driving permit.

Venturing out in the world? Make sure you have your International Driving Permit from AAA before you go if you intend to drive during your trip abroad. Obtaining your International Driving Permit (IDP) is well worth the peace of mind. Available online or at your local AAA office.

Expedited Passports

According to AAA booking data, the number of people going abroad has increased by more than 200% over the past year. Make sure you give yourself a sufficient amount of time to obtain your passport before your trip. Expedite your passport with aaa.rushmypassport.com.

Be Prepared

If you're visiting an international destination, ensure you're fully prepared for anything that might come your way. AAA provides essential services like passport photos, International Driving Permits and travel insurance. Plus, receive expert insights and recommendations from travel professionals like AAA Travel Agents, inspectors and editors. When you travel with AAA, you can truly Travel With Someone You Trust® — giving you peace of mind before, during, and after your international trip.

TSA: Before You Go Information

Smart traveler enrollment.

Register your trip to allow the State Department to assist you in the event of an emergency abroad. 

TSA Prohibited Items

Can I bring that on the flight? Find out here

TSA PreCheck

With a 5-year, $78 membership, you can speed through security and don't need to remove your shoes, laptops, liquids, belts, or light jackets.

Disabilities and Medical Conditions

Access important information and resources for travelers with disabilities and medical conditions.

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These are the 4 best family travel insurance plans

Find coverage that fits your family's travel plans with these four companies..

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Family vacations are a special time, and ensuring they go smoothly is essential to making memories that will last forever. Travel insurance is one way to ensure that any bumps in the road can be smoothed over, from a lost bag to an injury abroad.

CNBC Select reviews the best travel insurance plans for families based on coverage, cost and plan variety. (See our methodology for more information on how we choose the best family travel insurance companies.)

Best family travel insurance  

  • Best for families with young children : Allianz   
  • Best for affordability : Faye   
  • Best for CFAR coverage : Travel Insured International  
  • Best for cruises : Berkshire Hathaway Travel Protection  

Best for families with young children 

Allianz travel insurance.

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

Policy highlights

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

24/7 assistance available

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

Who's this for? Allianz is great for families with young children as its OneTrip Prime travel insurance policy offers free coverage for children ages 17 or under when traveling with a parent or grandparent. Though this benefit isn't available to Pennsylvania residents, it could help families with younger children lower the cost of their travel insurance coverage.  

Standout benefits:  Allianz's cancel for any reason (CFAR) coverage has an enhanced version available that can cover up to 80% of trip expenses if you have to cancel for a reason that's not covered.  

[ Jump to more details ]  

Best for affordability 

Faye travel insurance.

Faye offers travel insurance with a convenient online buying experience and an app with real-time travel alerts. It's one simple plan includes coverage for common issues, like trip cancellation, emergency medical expenses and trip delay coverage. It also offers coverage for pre-existing medical conditions when plans are purchased within 14 days of an initial trip deposit.

  • Covers Covid like any other medical condition
  • CFAR is available for up to 75% of trip costs for an additional cost.
  • Additional coverage options like vacation rental damage coverage and pet care coverage.
  • Not all benefits are available in all states.

Who's this for?  Faye travel insurance stands out for families on a budget. Its policies start at just $4.64 per day (for 14 days) for domestic trips and $5.16 per day (for 14 days) for international trips. It's also great for those who want a completely digital experience and would rather manage a policy through an app than an agent or by phone.

Standout benefits:  Faye's intuitive interface makes it easy to get travel insurance coverage on your own time, and quotes are available entirely online. On top of the standard trip delay, cancellation and interruption coverage, you can purchase CFAR coverage, coverage for adventure and sports activities and a pet care add-on, which can cover illness or injury for your pet when traveling with you, or extra kenneling costs if your trip is delayed if you leave your pet at home.  

Best for CFAR coverage 

Travel insured international travel insurance.

Travel Insured International has two simple travel insurance plans — the Worldwide Trip Protector and Worldwide Trip Protector Gold. Its plans are affordable and offer the option of cancel for any reason (CFAR) coverage.

  • Optional CFAR coverage and interruption for any reason coverage
  • Medical coverage can be lower than other options

Who's this for?  Travel Insured International could be a great fit for families looking for the flexibility of a CFAR addition to ensure they'll be covered for any reason they need to cancel. The company's wide variety of reasons for cancellation includes coverage for school year extensions with all plans.  

Standout benefits:  Travel Insured International's Worldwide Trip Protector can cover all children 17 and under for free when traveling with related adults.  

Best for cruises  

Berkshire hathaway travel protection.

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

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

Who's this for?  Berkshire Hathaway Travel Protection offers cruise-specific packages for families setting sail on a cruise.  

Standout benefits:  Cruise plans include coverage for missed connections and unique challenges you could face on a cruise vacation, like cruise disablement and diversion. 

More on our top family travel insurance companies 

Allianz offers 10 different travel insurance policies for travelers and trips of all types, including single-trip and multi-trip coverage. It also offers quotes and claims online, making the experience simple.  

CFAR coverage available?  

Yes, up to 80% of prepaid, non-refundable trip costs 

24/7 assistance?  

[ Return to summary ]  

While relatively new to the space, Faye's travel insurance plans combine affordability and easy access. Policies are backed by the United States Fire Insurance Company.  

Yes, up to 75% of prepaid, non-refundable trip costs 

Travel Insured International 

Travel Insured International has been offering travel insurance for over 25 years. It has two tiers of coverage (available in most states) that can help you meet all your travel protection needs.  

Berkshire Hathaway Travel Protection 

Berkshire Hathaway Travel Protection offers several tiers of travel protection and insurance, including packages specifically designed for road trips and cruises. Its strong A++ financial strength rating also helps it stand out against the competition.  

Up to 50%, only available on LuxuryCare packages 

Does travel insurance cover family members?  

Generally, you can insure your whole family on one travel insurance plan, so you won't have to buy separate plans for every traveler. Your travel insurance plan will cover every person listed on the policy.  

Does travel insurance cover cancellation due to a death in the family? 

In many cases, travel insurance can help you recoup the cost of your vacation if you have to cancel due to a death in your family. However, you'll want to carefully read your policy's definition of a family member, as not everyone in your life could be included.  

Bottom line

A family vacation can be a big investment, so it's important to protect yourself in case anything goes awry. Having a travel insurance plan that's easy to access, provides 24/7 support and fits your specific travel concerns and budget can help ensure your trip will go smoothly.

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

Why trust CNBC Select? 

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every travel insurance review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of travel insurance products. To research the best travel insurance companies, we compiled over 100 data points on more than a dozen travel insurance companies. While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics. See our methodology for more information on how we choose the best travel insurance companies. 

Our methodology  

To determine the best travel insurance companies, CNBC Select analyzed dozens of travel insurance companies and compared them based on various factors. 

While narrowing down the best travel insurance companies, we focused on the number of plans available, the availability of 24/7 assistance to access while traveling, coverage for Covid-19, the availability of cancel for any reason coverage, and financial strength (which measures a company's ability to pay on contracts) using A.M. Best ratings. We also considered family-friendly features, such as the inclusion of children on policies for free with parent's coverage, and reasons for cancellation, including school year extension as a reason for cancellation.  

Note that the premiums and policy structures advertised for travel insurance companies are subject to fluctuate in accordance with the company's policies.  

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

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Home » News » Important detail on HSBC Mastercard Emergency Travel Medical Coverage for those with existing travel bookings

travel insurance for travel to canada

Important detail on HSBC Mastercard Emergency Travel Medical Coverage for those with existing travel bookings

As RBC begins to send out the Avion Visa cards that will be replacing HSBC World Elite Mastercards you will find there is an FAQ insert that has further details on the credit card migration. There is one key detail in that FAQ that HSBC cardholders should be aware of if they are not already. That detail is in regards to the Out of Province Emergency Medical Coverage and how this HSBC coverage will not be applicable to travel on or after March 29. Other travel insurance coverage will still be applicable however.

Recommended reading: The most in-depth and up to date details of the HSBC to RBC credit card transition (Continually updated)

Thus I just wanted to post this as an important detail to those cardholders who may not be aware of this and who do have travel on or after March 29th that was paid for with their HSBC card . (my mistake here – I should not have put that last part of the sentence Emergency Medical Coverage is in place regardless of payment method)

Emergency Travel Medical Insurance Coverage

In RBC’s credit card section of the transition FAQ they state the following

You will not have Emergency Travel Medical Insurance through your HSBC credit card if your travel departure date is on or after March 29, 2024. However, you may have coverage through your RBC credit card if your RBC credit card includes Emergency Travel Medical Insurance and your travel departure date is on or after March 29, 2024

This is important to note if you were expecting to rely on HSBC’s Emergency Travel Medical Insurance for your trip, in particular those of you who are 65 and over. What this means is that your trip on or after March 29 will fall under the RBC Avion card’s Emergency Travel Medical Insurance coverage that you will be receiving as a replacement.

Here is a comparison of the Out of Province Emergency Medical Coverage provided on the HSBC World Elite Mastercard and the RBC Avion Visa Infinite Card:

As you can see if you are under 65 and your travel that you booked is 15 days or less you don’t have anything to worry about. For those 65 and over, if you have a really short trip of 3 days or less you are golden as well.

However, all trips that exceed the 15 days or 3 days limits, you won’t have coverage on the days that exceed those time limits. If this is your case you may want to look at taking out additional coverage with RBC or other travel insurance providers.

This also brings us to HSBC’s optional paid insurance coverage, the Emergency Travel Medical coverage will no longer be valid as of March 29 however other coverage will still be valid

Your HSBC Optional Travel and Medical Insurance will terminate as March 28, 2024. If you are travelling on or after March 29, 2024, you will not have Emergency Travel Medical coverage through your HSBC Optional Travel and Medical Insurance. Yes, you will continue to be eligible for Trip Cancellation & Interruption as well as Baggage Delay and Loss Insurance coverage through the HSBC Optional Travel & Medical Insurance that you purchased if you purchased the trip on or before March 28, 2024.

In case you are wondering if this is a new development, it is not. The HSBC-RBC Product Migration Guide does have the following statement:

Note that you will continue to be covered for eligible purchases that were made on your HSBC Bank Canada credit card before the card migration date, as well as eligible medical emergencies for trips with departure dates before the card migration date.

Although I’m pretty sure many have not read the entire 130+ page guide so that is also why I am writing this additional article today.

Other Travel Insurance Coverage

In RBC’s credit card section of the transition FAQ they state the following for the other insurance coverage:

Yes, you will continue to be covered for eligible purchases made on or before March 28, 2024, through your HSBC credit card coverage if your date of loss occurs on or after March 29 th , 2024 The above statement applies to the following coverages if included with your HSBC credit card: Trip Cancellation Trip Interruption / Delay Baggage Delay or Loss Hotel/Motel Burglary Flight Delay Car Rental Insurance Common Carrier Accidental Death and Dismemberment Purchase Assurance Extended Warranty Mobile Device You will not have Emergency Travel Medical Insurance through your HSBC credit card if your travel departure date is on or after March 29, 2024. However, you may have coverage through your RBC credit card if your RBC credit card includes Emergency Travel Medical Insurance and your travel departure date is on or after March 29, 2024.

Wrapping it up

In the initial packages sent out there weren’t a lot of details provided on insurance coverage and there has been some confusion about coverage which the FAQ helps to clarify. I wanted to pass along those key details of the Emergency Travel Medical insurance as I know many HSBC cardholders (especially those over 65) had the card for this specific coverage and need to be aware that the 31 / 21 day coverage does not apply to travel on or after March 29 even if that travel was purchased on the HSBC card.

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travel insurance for travel to canada

Canadians ready to travel more and in new ways in 2024

travel insurance for travel to canada

According to the 2024 Blue Cross Travel Study, 79 per cent of Canadians plan to travel outside their home province or territory in the next year, an increase of 10 per cent from the previous year. Supplied

Canadians appear to be emerging from a period of dampened enthusiasm for travelling, where the stresses of travel kept them closer to home.

The 2024 Blue Cross Travel Study reports that the percentage of Canadians planning to travel this year is on the rise compared to 2023. In the survey taken late last year, insurance provider Blue Cross asked Canadians questions about past travel behaviours as well as respondents’ plans for the year ahead.

“Canadians are certainly concerned about rising prices on many fronts, and that includes travel,” says Tim Bishop, managing director of Blue Cross of Canada. “Our study found that 46 per cent of Canadians reported recently travelling less, often because of increased costs. When looking ahead, however, we see the outlook is shifting. People are becoming more optimistic about travel and are planning more trips in the coming year.”

A significant majority of those surveyed, 79 per cent, said they plan to travel outside their home province or territory in the coming 12 months, which is 10 percentage points higher than the previous year.

Another finding sheds light on potential reasons for a surge of optimism about travelling: travel-related stress among Canadians has significantly decreased.

travel insurance for travel to canada

Travel stress

In the aftermath of the pandemic, Blue Cross found that travel stressors lingered. But now, Canadians are feeling less worried that problems will arise on a trip.

In fact, nearly all Canadians (96 per cent) recognize the benefits of travel, with the top-cited benefits being “time to recharge,” “reduced burnout” and “improvement to mental health.”

“Our 2024 study found that travel stress has declined significantly,” says Bishop. “Less than half of Canadians (48 per cent) reported experiencing stress when travelling now, compared to 89 per cent the year before. Plus, respondents anticipate that travel will be even less stressful in the future, as our lives continue to normalize.”

" Our 2024 study found that travel stress has declined significantly. Less than half of Canadians (48 per cent) reported experiencing stress when travelling now, compared to 89 per cent the year before.

However, some challenges remain. The most common concerns identified by Canadians include hospital or doctor bills in other countries, the cost of rerouting cancelled or delayed flights, and the cost of replacing lost or stolen luggage – all things that travel insurance can help with through emergency medical coverage, flight delay service and baggage insurance.

“Canadians recognize the power of travel to help you relax and recharge and are taking steps to make sure their investment in travel pays off, including by purchasing travel insurance,” Bishop says.

Most Canadians (87 per cent) recognize that travelling without insurance can be risky, and they are most concerned about significant hospital or doctor bills.

Overall, 57 per cent of Canadians purchase travel insurance at least occasionally, if not for every trip; however, generational differences exist. Younger people are less likely to automatically purchase insurance for their trips, even though they report higher levels of travel stress and more travel-related complications than people in older generations.

For instance, “When asked to estimate the cost of an overnight emergency room stay in a U.S. hospital, young Canadians were more likely to underestimate that cost,” Bishop explains. “Such hospital bills can be thousands of dollars, while an emergency medical care travel policy costs approximately the same as a daily cup of coffee for those individuals.”

travel insurance for travel to canada

Creative new ways to travel

While Canadians are looking at more affordable options, including staycations and travel within Canada, they are also getting creative about their pursuit of novel travel experiences.

“There is a move towards solo travel, with half of Canadians travelling on their own at least sometimes,” says Bishop. “Another trend is combining remote work and travel. The study found that 29 per cent of working Canadians have either temporarily relocated or plan to relocate for work, and another 41 per cent would like to do so. This trend is strongest among younger Canadians.”

Another key finding was Canadians’ growing interest in ecotourism vacations. “We found that many Canadians, 82 per cent, cited interest in this type of travel,” Bishop says. Although about a quarter of Canadians (26 per cent) reported they had already taken or are currently planning an ecotourism trip, Blue Cross expects to see visits to natural areas with a focus on conservation and sustainability increase this year and beyond.

“The environment is a priority for many Canadians, and ecotourism provides a new experience for those who have done more traditional types of trips,” he says.

“It’s clear that people are looking for new and creative ways to travel. It will be interesting to continue to monitor these trends as Canadians’ interest in travel undergoes a revival.”

Advertising feature produced by  Randall Anthony Communications . The Globe’s editorial department was not involved.

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Additional information about International Student Program reforms

Ottawa, February 5, 2024— Further information is being provided to clarify the announcement of an intake cap on new international study permit applications and other changes . International students make important contributions to Canada’s campuses, communities and economy; however, we have seen unsustainable growth in the International Student Program in recent years. These recently announced reforms will support sustainable population growth in Canada and improve system integrity, while helping to ensure that international students have a positive experience in Canada.

1. Cap and provincial attestation letter

As of 8:30 a.m. ET on January 22, 2024, most new post-secondary international students at the college or undergraduate level must provide a provincial attestation letter (PAL) from a province or territory with their study permit application. Immigration, Refugees and Citizenship Canada (IRCC) will return any application received that does not include a PAL, unless otherwise exempt.

This attestation will serve as proof that the student has been accounted for under a provincial or territorial allocation within the national cap. Provinces and territories have been asked to have a plan in place for issuing PALs by March 31, 2024. The Government of Canada is working with the Government of Quebec to determine how the certificat d’acceptation du Québec pour études could serve as a PAL.

International students whose applications were received by IRCC before 8:30 a.m. on January 22, 2024, as well as those who have already been approved for a study permit and intend to travel to Canada for an upcoming program, do not need to take further action as a result of the cap.

Who needs a provincial attestation letter?

  • most post-secondary study permit applicants
  • most non-degree granting graduate programs (for example, certificate programs and graduate diplomas)
  • anyone else not included in the exception list below

Who doesn’t need a provincial attestation letter?

  • primary and secondary school students
  • master’s or doctoral degree students
  • in-Canada visiting or exchange students studying at a designated learning institution Corrected on February 27, 2024
  • in-Canada study permit and work permit holders (includes study permit holders applying for an extension)
  • in-Canada family members of study permit or work permit holders
  • students whose application we received before 8:30 a.m. EST on January 22, 2024

2. Post-graduation work permit (PGWP) update for graduates of master’s degree programs

In recognition that graduates of master’s degree granting programs are excellent candidates to succeed in Canada’s labour market and potentially transition to permanent residence, we have made a change to the length of the PGWP, so that they have the opportunity to meet the required Canadian work experience in order to apply for their permanent residence.

Starting on February 15, 2024, a longer, 3-year post-graduation work permit will be available to those who are graduating from a master’s degree program that is less than 2 years and who meet all other PGWP eligibility criteria.

The length of PGWPs for programs other than master’s degrees will continue to align with the length of the study program, to a maximum of 3 years.

Who is eligible for a longer post-graduation work permit (PGWP)?

  • Graduates of programs that are at least two years in length at PGWP-eligible designated learning institutions are eligible for a 3-year PGWP, as are graduates of master’s degree programs less than 2 years in length.

3. PGWP eligibility for public-private partnership college programs

Some provinces allow public colleges to license their curriculum to be delivered by an affiliated private college. In these cases, students physically attend a private college, but graduate with a diploma from a public institution. Concerns have been raised with regard to the quality of education provided by these institutions, as well as the lack of sufficient student supports. The Auditor General of Ontario has also raised concerns about a lack of oversight into program quality and student services at these institutions.

As such, IRCC has made a change to restrict PGWPs for these institutions, anticipating that without the ability to apply for a PGWP, there will be a reduction in the number of international students enrolling in them.

Who is eligible for a PGWP after graduating from a public-private partnership college program?

  • International students currently enrolled will remain eligible for a PGWP if they meet other program eligibility criteria.

Who is not eligible for a PGWP after graduating from a public-private partnership college program?

  • New students enrolling in this type of program will not be eligible for a post-graduation work permit.

4. Changes to open work permit eligibility for spouses

In the coming weeks, eligibility for open work permits for the spouses and common-law partners of international students will be updated.

Who can get an open work permit?

  • Eligibility is limited to the spouses and common-law partners of students in graduate (master’s and doctorate) and professional degree–granting programs only.
  • Once these changes are in effect, spouses and common-law partners of international students seeking to extend their existing work permit will continue to be eligible under this stream.

Who will not be eligible for an open work permit?

  • The spouses and common-law partners of international students in other levels of study, including undergraduate and college programs, will no longer be eligible for an open work permit unless they already hold an open work permit under this stream.

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  • Travel Insurance

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How To Travel To The U.S. From Canada

Published: Sep 8, 2023, 3:00pm

Table of Contents

Requirement to enter the u.s. from canada, what travel insurance do i need to enter the u.s., requirements for returning to canada from the u.s., covid-19 requirements for returning to canada from the u.s., the bottom line.

Mouth watering food, fascinating histories, awe-inspiring landscapes and outstanding shopping, the United States has it all. It’s no wonder that our neighbour to the south always has a place on our “must visit” lists. In fact, Florida tops the list of the top 15 U.S. states visited by Canadians, according to Statistics Canada, followed by New York, Washington, California and Nevada.

Whether you’re planning a sun-soaked vacation in Orlando or a spicy weekend getaway in Vegas, here’s what you need to know about travelling to the U.S. from Canada.

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To enter the U.S. by air, you and all members of your family, including children, must provide proof of your Canadian citizenship with a valid Canadian passport or NEXUS card .

A NEXUS card is a fast-track program designed to speed up border crossing between Canada and the U.S. for low-risk, pre-approved travellers. A NEXUS membership is valid for five years and there’s a $50 USD application processing fee for travellers over age 18. Some travel credit cards even offer a credit towards the cost of a NEXUS application fee. The Canada Border Crossing Agency provides a list of places you can use your NEXUS card including nine international airports, eight major Canadian airports, 21 land-border crossings and 396 marine reporting centres.

To enter the U.S. by land or water, Canadian citizens ages 16 years and older must present one of the following documents :

  • A valid passport
  • A Trusted Traveler Program card , such as NEXUS
  • An enhanced driver’s licence (EDL), which is a passport alternative for eligible drivers in British Columbia, Manitoba, Quebec and Ontario.
  • A Secure Certificate of Indian Status

Canadian citizens aged 15 years and younger can present one of the following documents:

  • An original or copy of a birth certificate
  • An original Canadian citizenship certificate

Whatever document you use, it must be valid for the duration of your stay.

Canadian citizens generally don’t need a visa for stays of less than six months

While it’s not mandatory to purchase travel insurance when visiting the U.S., it is a smart investment . That’s because your provincial or territorial government health plan isn’t valid once you leave Canada and may only cover a fraction of any medical expenses. So if you fall down a set of stairs and break your leg, without emergency medical travel insurance you could be on the hook for thousands of dollars in emergency hospital care.

Travel medical insurance pays for expenses such as:

  • Doctor and nursing bills
  • Ambulance services
  • Hospital and operating room charges
  • X-rays and diagnostics tests
  • Prescription drugs
  • Emergency dental care
  • Paramedical services, such as physiotherapy
  • Associated costs during a hospitalization, such as childcare
  • Emergency evacuation
  • Repatriation

Keep in mind that medical insurance only covers the cost of emergency medical treatment if you get sick or injured. If you have to cancel or cut your trip short, if you lose your baggage or if you’re delayed, you’ll need the following coverage:

  • Trip cancellation insurance: If you cancel a trip for a reason listed in your travel policy, such as you or your travelling companion becoming ill, weather conditions causing a massive delay or you end up losing your job, trip cancellation insurance can reimburse you for prepaid, non-refundable costs.
  • Travel interruption or delay insurance: Trip interruption insurance can pay for a last-minute flight home in an emergency and money that you lose if you have to return home earlier than expected, such as non-refundable activities and hotel stays. If your flight is delayed , your insurance can cover the cost of incidentals, such as meals or accommodations, after a specified period of time, usually six, 10 or 12 hours.
  • Baggage insurance: Baggage travel insurance can compensate you up to your policy limits if your luggage is lost or stolen. It will reimburse the depreciated value of your suitcases and what you packed. If your checked bags are delayed, it can reimburse you for the cost of the necessities you’ll have to buy to tide you over.
  • Travel accident insurance. This coverage offers compensation in the event of accidental death or catastrophic injury from an accident during your trip. Flight Accident Insurance covers injury while you’re on a commercial plane, during a connection or in an airport. Travel Accident Insurance covers death or dismemberment, including the loss of limbs or eyesight, while on your trip. This coverage may also be known as Accidental Death & Dismemberment insurance.

Your credit card may offer travel insurance benefit s or you can purchase a standalone policy. Each option offers different levels of coverage, so it’s important to compare what your credit card offers versus a separate travel insurance policy .

The Canada Border Services Agency has the following checklist for ensuring your trip across the border back into Canada goes smoothly and without any costly surprises.

Plan ahead and check border wait times: You can check the wait time for 26 of the busiest land-border crossings from coast to coast. The table is updated at least once an hour, 24/7.

Estimate your duty and taxes payable: This online calculator provides an estimate of the duties you may be required to pay on goods imported for personal use. A duty is a tariff payable on a good important to Canada. Rates of Duty are established by the Department of Finance.

Declare all purchases and have your receipts available: Canadian residents can bring back goods valued at $200 duty and tax free after being away for 24 hours, and goods valued at $800 after being away for 48 hours. Tobacco products and alcohol are not included in this exemption, and there are no personal exemptions for same-day border crossing shopping trips.

Make sure your purchases are not on a prohibited list: To avoid the possibility of fines, seizure or prosecution, check to ensure that items you are bringing back into Canada are not on the restricted and prohibited goods list . For example, even though cannabis is legal in Canada, transporting it across the border in any form is illegal without a permit or exemption from Health Canada.

Declare all money or currency equal to or over $10,000: It’s not illegal to bring large amounts of cash into Canada, but you must declare it on arrival.

Ensure your pets have the proper documentation: Dogs and cats that are three months of age or older need a valid signed and dated certificate from a veterinarian verifying vaccination against rabies. Service dogs are exempt from this requirement when accompanied by their owners.

Ensure you and your family have the proper documentation: To return to Canada you must be able to prove your legal right or authorization to enter Canada at the border. Acceptable forms of ID include a passport, permanent residence card, a citizenship card, a NEXUS card, a visa or an enhanced driver’s licence.

Declare any foods, plants or animals, as well as any firearms or weapons: Some goods are either restricted or prohibited.

As of October 1, 2022, all COVID-19 border restrictions were lifted for travellers returning to Canada by air, land or marine, including:

  • Proof of COVID-19 vaccination is not required
  • Pre-board testing is not required
  • COVID-19 pre-entry and arrival tests are not required
  • Quarantine after entering Canada is not required
  • Using the ArriveCAN customs and immigration app is not required
  • Health checks to board planes and trains are not required
  • Wearing masks on planes and trains is not required, though is still recommended

Whether you’re on a solo trip backpacking down the west coast, visiting Disneyland with your young family or escaping Canadian winters during your retirement years, the U.S. offers a destination getaway to suit everyone’s vacation dreams. Just make sure you have the travel documents and insurance you need to cross the border and to return home without any hiccups.

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Fiona Campbell is a Staff Writer for Forbes Advisor Canada. She started her career on Bay Street, but followed her love for research, writing and a good story into journalism. She is the former editor of Bankrate Canada, and has over 20 years of experience writing for various publications, including the Globe and Mail, Financial Post Business, Advisor’s Edge, Mydoh.ca and more.

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COMMENTS

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    Learn what travel insurance benefits you should purchase for trips to Canada, such as trip cancellation, trip delay, medical expense and baggage loss. Find out how to compare and buy travel insurance policies from over 22 providers for 2023.

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    Whether you're visiting Canada or you're a Canadian travelling for business or pleasure, Co-operators makes it easy to get the protection you need.*. *Travel insurance does not cover everything and is subject to terms and conditions, including limitations and exclusions. For full details, please refer to the policy booklet.

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    The cost of travel insurance plans varies based on the provider, coverages, and details of the travelers. For this reason, it is difficult to say how much or how little Canada travel protection will cost. The best way to find out is to enter your information into the quote form. This information includes dates of travel as well as age (s) and ...

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    24/7 multi-lingual assistance. $5,000 (Explorer) $2,500 (Standard) World Nomads travel insurance is a popular choice for backpackers, solo travellers, and budget travellers. The company provides coverage for more than 150 travel activities, so it's a good pick for any adventure travellers.

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    Travel Guard provides travel insurance products for every travel need - whether you are a student, young business traveller, family with kids, senior seeking medical coverage when abroad or a tourist visiting Canada. Choose from our popular Trip Cancellation travel insurance if you are not looking for Emergency Medical coverage, or our All ...

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    Travel Insurance for Visitors to Canada. Get affordable coverage for medical expenses while visiting Canada. Meets the requirements for the super visa. Get a quote and apply for travel insurance for Canadian travellers directly from Manulife. Check out our plans for Canadian seniors, residents and snowbirds.

  16. Best Travel Insurance in Canada for 2023

    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 ...

  17. Travel insurance

    What your travel health insurance should cover. No matter where you're travelling, your travel health insurance policy should always cover the following 3 things: 1. Medical evacuation. Make sure your policy covers medical evacuation to Canada or to the nearest place with appropriate medical care. The policy should also cover the costs of a ...

  18. Best Travel Insurance in Canada in 2024 and What They Cover

    Manulife Costco travel insurance in Canada also includes a 10-Day Free Look, where you can receive a refund within ten (10) days if you are not satisfied with your policy. 8. Medipac. Endorsed by the Royal Canadian Legion and the Canadian Snowbird Association, Medipac travel insurance provides comprehensive coverage for up to $5 million USD.

  19. Canada's Best Travel Insurance Quotes

    Speak with our advisors to see if an annual travel insurance policy makes sense for your plans. Compare Canada's best travel insurance quotes. Easily apply online for Travel Insurance for Visitors to Canada, Super Visa holders or Canadians Traveling abroad. Get cover from Canada's best insurance companies.

  20. Do I Need Travel Insurance When Travelling Within Canada?

    Baggage insurance (Maximum) $1,000, $3,000. The Travel Industry Council of Ontario ( TICO) recommends that Canadians should always protect themselves by purchasing medical insurance even when ...

  21. Find the Best Travel Insurance in Canada

    Travel insurance 101. Whether you're an occasional traveller going on a well-deserved vacation, frequent flyer, or a snowbird going away for the winter, all it takes is a few minutes to get travel insurance quotes from many of Canada's leading travel insurance companies and purchase your policy.

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  23. Best Travel Insurance of March 2024

    Best Travel Insurance for Digital Nomads: WorldTrips Travel Insurance. WorldTrips Travel Insurance has affordable premiums, highly customizable add-ons, and generous coverage for core categories ...

  24. AAA Travel

    Securing travel insurance can give you peace of mind knowing that you and your loved ones are protected in case of unforeseen circumstances. AAA can be your resource when travel delays, emergencies and even cancellations occur. Whether you are traveling domestically or internationally, AAA offers numerous comprehensive options tailored to your ...

  25. 4 Best Family Travel Insurance Plans of 2024

    While narrowing down the best travel insurance companies, we focused on the number of plans available, the availability of 24/7 assistance to access while traveling, coverage for Covid-19, the ...

  26. How To Find The Best Travel Insurance For Your Spring 2024 Trip

    "Insurance medevac only gets you to the nearest acceptable hospital," says Laura Heidt, insurance desk manager at Brownell Travel. And if you need a non-medically necessary transfer, you could ...

  27. Important detail on HSBC Mastercard Emergency Travel Medical Coverage

    You will not have Emergency Travel Medical Insurance through your HSBC credit card if your travel departure date is on or after March 29, 2024. However, you may have coverage through your RBC credit card if your RBC credit card includes Emergency Travel Medical Insurance and your travel departure date is on or after March 29, 2024. Wrapping it up

  28. Canadians ready to travel more and in new ways in 2024

    According to the 2024 Blue Cross Travel Study, 79 per cent of Canadians plan to travel outside their home province or territory in the next year, an increase of 10 per cent from the previous year.

  29. Additional information about International Student Program reforms

    Ottawa, February 5, 2024—Further information is being provided to clarify the announcement of an intake cap on new international study permit applications and other changes.International students make important contributions to Canada's campuses, communities and economy; however, we have seen unsustainable growth in the International Student Program in recent years.

  30. How To Travel To The U.S. From Canada

    To enter the U.S. by land or water, Canadian citizens ages 16 years and older must present one of the following documents: A valid passport. A Trusted Traveler Program card, such as NEXUS. An ...