travel cuts bon voyage insurance canada

By Lisa Jackson

   min read

Best travel insurance in Canada

KieferPix / Shutterstock

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

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

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

World Nomads: Best for thrill seekers

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

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

CAA Travel Insurance: Best for families

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

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

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

Blue Cross: Best for seniors and retirees

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

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

Travel CUTS Bon Voyage Insurance: Best for budget travellers

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

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

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

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

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

Medipac Travel Insurance: Best for emergency medical assistance

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

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

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

Allianz Travel Insurance: Best for frequent travellers

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

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

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

Will my provincial insurance be valid overseas?

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

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

Will my provincial insurance work in another province/territory?

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

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

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

What does the best travel insurance in Canada cover?

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

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

Additional benefits may include:

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

How much coverage do I need?

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

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

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

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

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

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

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

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

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

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

Can I get travel insurance for part of a trip?

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

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

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

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

Recommended reads

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

About our author

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

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Canada Travel Insurance Review

Travel insurance can kill a travel budget for anyone. We feel the pinch especially hard, since we’re buying travel insurance for a family of four.

When I searched high and low for Canadian travel insurance comparisons and reviews for our upcoming trip, I found absolutely nothing to help me compare prices and insurance for our personal travel insurance needs (other than Kanetix (now called RATESDOTCA ). So I had to do hours of legwork to get the best prices and policies for our family, and I’ve shared them in this review.

2022 update! Maybe it’s because COVID-19 sent travel insurance prices into flux, but any prices we check in 2022 seem to vary significantly from 2021 or 2020 prices. We guess this price fluctuation may continue, but it’s hard to tell.

For six months of travel, for a family of four, we got quotes ranging from $418.51 to a whopping $2,461.92 for worldwide travel medical insurance, including the USA.

Because everyone’s needs are different, we can’t tell you what travel insurance is right for you, or that one travel insurance company or travel insurance policy is better than another.

On top of that, prices and policies can change almost overnight, so do your own research.

This travel insurance review just lists the results we got when searching for travel insurance for our own family’s needs, at one point in time. All prices are in Canadian dollars, although some companies cover people all around the world.

In our search, we found that insurance almost always meant medical travel insurance, which included a set amount of coverage (usually one to five million dollars per person for travel accidents and illness).

Tip! Read the terms and conditions of policy wording and description of coverage to decide if the policy you choose is right for you. Insurance policy wordings can be subject to change at any time, without prior notice.

Many travel insurance packages that we looked at included coverage for baggage, trip cancellation, trip interruption and even emergency dental. We chose to only buy what we personally needed, and I think we saved a lot of money.

TuGo Travel Insurance

TuGo (formerly called Travel Underwriters) is one of Canada’s biggest travel insurance companies, and they surprised us with one of the best rates for our family.

To find more about TuGo travel insurance, click here.

2021 update: Tugo now offers COVID-19 travel insurance coverage included as a benefit under their emergency medical coverage, but ONLY if you’re fully or partially vaccinated, or if you’re not eligible for a vaccine, due to age.

If you haven’t been vaccinated, for any reason other than your age, then the COVID-19 insurance ISN’T included as a benefit under their emergency medical insurance for you. If you fall into this category, you can buy COVID-19 Insurance, Unvaccinated as an add-on to your TuGo Emergency Medical Insurance Worldwide or Excluding USA plans.

There’s a fairly extensive list of eligibility requirements, and there’s an additional cost. To get the COVID-19 insurance, you need to also have a worldwide or worldwide excluding USA TuGo emergency medical policy in place for the full duration of the COVID-19 Insurance coverage.

• $1,317.20 for six months, for a family of four. The plan includes travel to the USA.
• $5 million emergency medical insurance.
• $300 USD deductible (dropping the deductible to 0 brought the cost up to $612.72 total).
• We added on trip cancellation and interruption to our quote for an additional $284.00. Coverage is up to sum insured for trip cancellation or up to $25,000 for trip interruption.
• If you’re vaccinated, or partially vaccinated, then COVID-19 insurance is included.
• If you’re unvaccinated, for any reason other than your age, there is an extra fee of $170.20 for COVID-19 insurance.
• You can get add-on optional sports coverage. Coverage is based on risk level; from contact sports to adventure sports to extreme sports.

Safety Wing

Safety Wing is a (relative) new comer to the travel insurance space.

SafetyWing insurance specializes in expat travel health insurance (called Remote Health Insurance), and global travel medical insurance (called Nomad Insurance), which we think is a great option for longer term travelers.

There’s one huge catch for Safety Wing insurance, though, and it’s a big one for Canadians.

SafetyWing won’t sell Canadians travel insurance while you’re physically located in Canada. You can cross the border in any way and buy insurance immediately when you have left Canada.

However, it’s the perfect choice if you’ve already left Canada and forgot to buy travel insurance, or you want to buy better coverage.

SafetyWing Insurance is available to anyone from any home country in the world (unless your home country is Iran, Syria, North Korea or Cuba, or if you have Cuba as your citizenship).

The base price for insurance is $42 for four weeks of coverage, not including coverage in the USA. That’s for one person, aged 18-39 years, with a $250 deductible, and a $250 000 max limit.

• A quote for one person for six months was $379.08 for six months, NOT including coverage in the USA.
• For all four of us, the cost was $847.08 for six months, NOT including coverage in the USA.
• A quote for one person for six months, which included coverage in the USA , was $705.12.
• A quote for all four of us for six months, which included coverage in the USA , was $1,560.00.
• $250,000 travel insurance
• $250 deductible
• Emergency dental up to $1,000. Not subject to deductible.
• Notable exclusions include high risk sports activity, pre-existing disease or injury, and cancer treatment
• Trip interruption of up to $5,000
• Emergency medical evacuation of up to $100,000 lifetime maximum
• Travel delay and lost checked luggage coverage.

Visit SafetyWing now to learn more.

Nomad Insurance covers COVID-19 for new policies. Coverage works the same as any other illness as long as it was not contracted before your coverage start date, and does not fall under any other policy exclusion or limitation.

Testing for COVID-19 is only be covered if deemed medically necessary by a physician. The antibody test is not covered, as it is not medically necessary.

Nomad Insurance covers quarantine outside your home country of $50/day for up to 10 days (once within a 364-day period). The quarantine coverage requires that you’re covered by Nomad Insurance for a minimum of 28 days and you are outside your home country.

Your quarantine must be mandated by a physician or governmental authority, because you have either:

• tested positive for COVID-19
• or you are symptomatic and waiting for your test results.

Kanetix (now called RATESDOTCA)

RATESDOTCA (formerly Kanetix) is on online insurance quote consolidator. I’m a big fan, as I like that it lets me compare a number of travel insurance companies side by side, and they usually seem like a fairly good deal to me.  They do all sorts of insurance, including home, auto, and tenant’s insurance.

To find out more about travel insurance on RATESDOTCA click here now.  

The best deals on RATESDOTCA  were:

• TuGo for $937.80 six months for a family of four for $2 million in emergency medical insurance and no trip cancellation or interruption insurance, with a $300 deductible. A zero deductible raised that to $1,062.80.
• Ingle International for $1,061.42 for six months for our family of four for $10 million in emergency medical insurance and no trip cancellation or interruption insurance, with a $250 deductible.
• World Escapade $1,069.20 for six months for a family of four for $5 million in emergency medical insurance and no trip cancellation or interruption insurance, with a $250 deductible.
• Allianz for $1,155.60 for six months for a family of four for with $10 million in emergency medical insurance and no trip cancellation or interruption insurance, and a $250 deductible.
• GMS for $1,580.40 for six months for our family of four with $5 million in emergency medical insurance and no trip cancellation or interruption insurance, and a $250 deductible.

Click here now to find out more about RATESDOTCA travel insurance.  

TD Meloche Monnex

We signed up with  TD Meloche Monnex: Wide Horizons Solution  on our last six month trip though Costa Rica, Mexico, Florida and Texas. Although we didn’t have to make a claim, their customer service was extremely professional and patient when answering all of my questions about the quote.

• $947.80 for six months, for a family of four. Since we have home insurance with Meloche, we get a good discount on the premium.
• This is a great deal, as it includes a 60 day multi-trip plan that will let us take unlimited trips (of up to 60 days) anywhere in the world for $181.00/year per year. The additional four months of top up coverage cost us $766.80 (for a total of $947.80).
• If we didn’t have home, tenants’ insurance, or auto insurance with Meloche , the cost for our initial 60 day multi-trip plan would be higher.
• You’ll need to call Meloche to buy your policy. Meloche’s number is 1-866-566-1464.
• $5 million emergency medical insurance, per person.
• $100 deductible (most deductibles with other companies are 0). It was worth the higher deductible, given that the premium is so low. You can also choose a $250, $500 or $1,000 deductible.
• Free international assistance, 24 hours a day, 7 days a week.
• Full refund available anytime during our trip, less a $20 fee.
• Extensions are available while on our trip, but if there’s a claim on file, the extension must be verified by risk manager.  You must also have valid provincial health coverage.
• World-wide, including USA, but excludes countries with Government of Alberta or Canada travel warnings.
• Trip cancellation up to $2,500 per person,  maximum $5,000 per family for each annual period of coverage.
• Trip interruption up to $5,000 per person, per covered trip.
• No baggage or personal effects insurance.
• If we purchase additional tickets/flights after leaving on trip, these are not eligible for trip cancellation/baggage insurance.
• Many adventure activities are covered.  There were some exceptions, including ultralight flights and paid sports activities, I believe, but they didn’t apply to us.
• Like all the other policies we looked at, we were required to have valid provincial health insurance for the entire duration of our trip.

Merit Travelcuts Worldwide Travel Insurance

We used travelcuts Globetrotter insurance for our last trips to Asia and the Philippines. We ended up claiming a few days in a hospital in Thailand, and travelcuts was great to us.

If we’d been a single traveller on this trip, then travelcuts would probably have been our first choice for insurance. With a whopping 547 days for a maximum policy length, travelcuts is a well worth looking at if you’re planning a longer trip.

Anyone over 50 years old cannot get this policy.

travelcuts has several plans, but we were interested only in the Emergency Medical Plan D. This plan does not include trip cancellation or trip interruption insurance.

• $1,641.60 for six months, for a family of four. Like pretty much all of the other companies, our quote has increased quite a bit from when I first got a quote in 2012, when the quote was $916.00.
• 1 million emergency medical insurance per person.
• You must have valid government health insurance plan for the entire duration of your trip.
• travelcuts insurance only covers travellers under age 50, and over 15 days old.
• You may be able to get an extension on your trip, but you must call travelcuts to apply for the extension, and have a provincial health plan is in effect for the full length of your travel period.
• You may get a full refund if you cancel within 10 days of buying your policy, or if you can prove your trip was cancelled before you leave on your trip. See your specific policy for details.
• Costs and benefits may be different for residents of Quebec.
• travelcuts worldwide insurance was formerly known as Travel CUTS Bon Voyage insurance.
• Always check your individual policy – coverage and limits can change without notice.

itravel2000

itravel2000 is one of my favorite sites to search for cheap all-inclusive last minute getaways and hotel rooms, so I thought I’d check out their travel insurance.  Wow. Pretty darn expensive, and the last quote I got was back before 2018.

• A gulp-inducing $3,075.00 for six months for an all inclusive plan for family of four, including trip cancellation and interruption.
• $1,573.20 for a global under age 60 plan, with $5 million in emergency medical benefits only, with no trip cancellation or interruption.

BMO travel insurance  is one of Canada’s biggest names in travel insurance, so I thought I’d try them out.

• $1,532.18 for six months insurance for a family of four.
• $5,000,000 medical liability.
• A refund is available 10 days after purchase, but not after leaving on a trip, and you need to meet other conditions.
• Coverage can be extended after leaving, but there cannot be an open claim. You can extend for a total of 183 days (212 days if you reside in BritishColumbia, Manitoba, Newfoundland, Nova Scotia or Ontario).
• Trip cancellation $0 per person.
• Trip interruption $2,000 per person.

ScotiaGold Passport® VISA

The Scotiabank Passport™ Visa Infinite Card has travel insurance perks.

There’s Travel Emergency Medical Insurance for eligible persons under age 65 (up to 25 consecutive days) and for eligible persons age 65 and older (up to 10 consecutive days).

What we think is cool about this card is that it’s one of the few Canadian credit cards that don’t charge a foreign transaction fee . It also has a travel rewards program, with Scotia Rewards points – right now there’s a signup bonus of 30,000 Scotia Rewards points (plus an additional 10,000 available if you spend at least $40,000 in everyday eligible purchases annually). That’s a total of 40,000 bonus points!

• Annual fee: $139.00
• Up to $1 million in emergency medical travel insurance
• Up to $2,500 trip cancellation/interruption
• Flight delay, delayed and lost baggage, travel accident, and rental car collision loss/damage insurance.
• Interest rate: 19.99% purchases, 22.99% cash advances
• six free airport lounge visits

What if you’re taking a short trip?

For trips of 60 days or less, you may already have coverage through a credit card with medical travel insurance perks. These often offer trip cancellation and interruption, along with baggage insurance. For Canada travel insurance, the cards we looked at were Scotiabank and BMO.

Note: If you decide to use only your credit cards built in travel insurance, make sure that you’re covered for the duration of your trip (you can often extend coverage for an additional fee) and that you qualify since some cards that include travel insurance have specific riders that might not cover you if you fall outside of their policies parameters.

Baggage coverage and personal effects coverage

Baggage coverage insures your bags while in transit (in airplanes, though this may extend to buses and taxis).

Personal effects coverage covers your belongings anywhere, on any portion of your trip. This sounds nice in theory, but I found that most policies had some serious exclusions.  They would only cover losses with a police report (makes sense, but a police report can be pretty damn hard to get in a lot of countries).  On top of that, most policies would not insure belongings that were unattended. That means that if your wallet is stolen from your beach chair while you’re body surfing, you’re out of luck. No coverage.

Even more important, most policies wouldn’t cover loss or theft of computers, cameras, or cell phones, or jewelry. Seriously. The only expensive things that most people travel with aren’t covered.

Here’s a little trick, though. If you have insurance on your home or tenant’s insurance, then your belongings might be covered on your trip. Usually there’s a limit (around 10% of the total coverage on your original policy), and your deductible applies to any claims while travelling.

Trip cancellation and interruption generally only cover the portion of your trip that you buy before you leave. Not especially useful for us, since we’re only buying a one-way ticket to Mexico before we leave, and the rest of our tickets will be bought once out of Canada. Not having a set itinerary means that we’ll buy onward legs (by plane, train, car, taxi, water taxi, ferry, cruise liner, or bus) as we need them. I couldn’t find a single travel insurance policy that would cover purchase of additional legs once we left home. Trust me, I tried. And tried.

A lot of Canada travel insurance reviews don’t mention this, but it’s important: If you’re gone for more than six months, ensure you get a written extension from your provincial health care plan (this applies only to Canadians).

Checklist for travel insurance:

• What is the amount of liability you cover?
• Is trip cancellation or trip interruption insurance covered?
• Is there a refund available for unused amount?
• What is the deductible?
• Do you offer a medical service assist, e.g., can you help me find a doctor or hospital?
• Is the policy good worldwide, including the USA?
• Can I top up my insurance once I’ve left on my trip?
• Can I buy my initial insurance after I’ve left on my trip?

Are you already overseas? Check out this post to learn how to get travel insurance if you’re already abroad !

After hours of research and banging my head against a wall, I found your website and your Travel Insurance Review.

THANK YOU, THANK YOU, THANK YOU!!! Based on the information you provided (very thorough!!) we have booked our travel insurance with TD Meloche Monnex Wide Horizons. Great company to deal with and very patient in answering any and all my questions.

I can’t tell how much I appreciate the detail and effort you afforded your readers!! The weight off my mind, in knowing, that we have great coverage for the time we will be away, is tremendous.

I only wish I would have found your site earlier!!

Australia here we come!!

Wanda, Thanks so much for the pat on the back. Hope you’re loving Oz. We were there for six months in 2004, and had a great time.

Thanks much! Used your link to Kanetix.ca and decided on Tugo. Much appreciate your efforts in this site! Cheers Lorin

Very helpful! Thank you for the detail in your post especially the “questions to ask” portion. Thanks again!

Thanks, Sydney! Good luck in your search!

I plan to keep in mind the list of questions you have mentioned. I find it helpful!

My husband and I are going on a Caribbean cruise next February 2013 going out of Miami Florida.We are from Ontario Canada. We are interested in all inclusive travel insurance and of course want good medical coverage.In the event of a serious medical problem we need coverage to include an airlift off the ship or by boat.We have gone on other cruises thinking that this was part of the medical coverage only to recently discover that not all plans cover this.Hopefully this would never happen but I have heard that this could happen if the ship couldn’t treat you if you were seriously ill or injured.Do you know which insurance companies cover this?

The Government of Canada has an informative article called Advice for Cruise Travellers . They say that you should “Purchase travel health insurance that includes at least $500,000 in coverage for accidental injury, hospitalization abroad, and medical evacuation at sea (the cost of medically evacuating a patient from a cruise ship by helicopter can easily reach $150,000).”

I looked a bit into specific policies to get you started, but keep in mind that I’m just a fellow traveller, not an insurance agent. Make sure you read your policy and chat with your insurance company for any clarification. You’ll need to call the companies directly to specifically ask if your specific policy covers emergency transport by helicopter while at sea.

I did a comparison quote search on Kanetix.ca , and came up with a couple of all inclusive policies that look like they cover an air ambulance. Click on the View sample policy link at the bottom of the quote to see policy details for yourself. Travel Guard Chartis Gold Deluxe’s policy notes that if you get “if Your attending Physician recommends Your return after Your Emergency Medical Treatment, and if approved in advance by Us, We cover, via the most cost-effective itinerary, one (1) or more of: … the cost of air ambulance transportation, pre-approved and arranged by Us”.

Just to note, the Group Medical Services TravelStar All Inclusive policy quoted at Kanetix does NOT cover a helicopter transport.

If you’re under age 60, World Nomads is a really good option. Their policy says “Once You have received Emergency Medical Care and Our consulting Physician determines You are able to and recommends that You return Home, We will arrange and pay for the following services and expenses to return You to Your province or territory of residence: … the cost of air ambulance transportation to the most appropriate facility in Your province or territory of residence, if the use of an air ambulance is required and Medically Necessary.” There’s a detailed review of World Nomads here .

Another option is RBC insurance. They have a great reputation, but you need to be an existing RBC client, spouse or child of the client. They’re the only company I’m aware of that offers unlimited emergency medical insurance (most companies cap at $1 million or $5 million).

The exact policy you get with RBC depends a lot on your age. I looked at an RBC policy quoted for people under 60, and the policy said they would pay for return to your departure point, “when pre-authorized and arranged by Assured Assistance Inc., when medically essential: the cost of air ambulance transportation if it is medically essential.” You can get an online quote with RBC at this link: http://www.rbcroyalbank.com/travelinsurance/index.html . Just be aware that you may need to buy a trip cancellation insurance add-on with them.

I think you should be able to get emergency air evacuation at sea included with one of these Canadian companies. However, if that fails, there are a couple of international companies (that cover Canadians) that specialize in medical evacuation insurance. They’re MedjetAssist and International SOS .

There’s a checklist that you can use for asking questions when getting a quote at Canadian Travel Insurance Review .

Hope that helps a bit!

Happy travels!

Excellent site. Plenty of helpful info here. I’m sending it to some buddies and additionally sharing in delicious. And certainly, thanks for your sweat!

Can you suggest an insurance provider for ON resident, aged 63. Planning a 9 month trip through USA & Bahamas.

Hi Ray! Recommending a specific provider is pretty tough – it depends on so many things – preexisting conditions, what kind of coverage you want (basic medical, cancellation, interruption, baggage, or some mix), and how much you want.

I always suggest to start with Kanetix to get a comparison quote, which will at least give you a baseline price you should pay, as their quotes tend to be pretty competitive. Squaremouth also gives quotes (there’s a review of Squaremouth here ), and they have some really cool filters.

Sounds like a great vacation, by the way!

Hi, My bank (royal bank) tells me that our royal bank avion infinite visa has travel/medical insurance for when we travel. They said if I purchased a travel/medical insurance policy from the bank, it is a mirrored one of the one our visa offers us. Assured Assistance is the company that takes care of the insurance. Any info or advice would be appreciated thanks

Thanks so much for checking out our review. The RBC Avion Infinite Visa has a fairly travel insurance package , which includes medical, cancellation, flight delay, trip interruption (but not cancellation!) insurance and travel accident insurance.

There are a few potential differences between the Avion credit card insurance and the bank insurance policy: -The RBC Avion credit card insurance is multi-trip insurance, meaning it insures you for multiple trips, but each trip is only 15 days in length, if you’re 64 or under (and 3 days per trip if you’re over 65). You can purchase additional insurance for an individual trip. – You must charge the full cost of your trip, including flights, accomodation, and hotel to the credit card for the RBC Avion credit card insurance to be valid – RBC Avion insurance provides Auto Rental Collision/Loss Damage Insurance, which I don’t think is included in RBC’s bank travel insurance policies

We’ve written a review of RBC’s travel insurance plans on our Canadian Travel Insurance Review site (which we started when we saw how much need there was for an independent look at travel insurance in Canada). There’s also a checklist of questions to ask when you get a travel insurance quote .

Hope that helps. Really, I know it’s about as much fun as watching paint dry, but you should sit down with both insurance policies certificates of insurance (and a really strong pot of coffee) and compare them to make sure they meet your needs. You can get a copy of the RBC Insurance and Protection Booklet through the insurance and protection tab on the RBC Visa Infinite Avion web page , and view the RBC bank insurance policies through the RBC Travel insurance site .

Have a wonderful trip!

Awesome information. You should make this a little ebook and sell it. Thanks a bunch.

Thanks Kate! I’m so glad that it helped you.

wow.. what a blog…it tells me about travel insurance and i am also looking for that kind of information…this blog helps me… thnx for the post… i like it..

Little confused about travel insurance and health insurance. I’m an American and need health insurance for 3 months.I will be in Toronto for next 3 months. Can someone help me to find a link or web site to buy only health insurance for 3 months ? Does Credit card provide health insurance only ?

Thanks for visiting. You can buy insurance for only three months from almost any company – that shouldn’t be a problem. The insurance provided by a credit card really depends on the card – all cards are different, so you’ll have to look at the travel insurance terms carefully. As an American, you’ll need to get a American credit card. I’m not overly familiar with American credit cards, but American Express may be a decent place to start, as I know they offer travel insurance on some of their cards.

I see on some credit union websites that included with their Gold and Platinum Mastercard credit cards is free travel medical insurance up to age 75 and up to 31 days travel with no deductible and preconditions! By comparison bank premium credit cards offer similar coverage but only to age 65.

I did talk to the people there who confirmed the above info. However to get more than 31 day coverage they referred me to their insurance partner who could do the top-up coverage. I did talk to them as well but found the top-up coverage more expensive than my existing insurer TD Monnex Meloche.

In any case the base coverage through the Cuets credit card is particularly good for retirees over 65 up to age 75. The Cuets people also told me that I was not obligated to purchase the top-up insurance from their partner so I could shop around for the best price.

Have you any more info on purchasing a credit card through a credit union and getting their travel insurance package?

I am 67 years and thankfully in great health, however while looking for travel insurance, I can only get a quote for anyone 60 and under – all others must call in and speak to an agent. I have answered 3 pages of medical questions – all No, No, No, and it seems that they don’t believe me. I am still asked to call a 1-800 number. I think this is age discrimination. Why do they think that everyone over 60 is on medication or had operations? I do not even take headache medicine!!!

It’s definitely age stereotyping Bernice. Just like car rental companies charge more for under 25 drivers regardless of their history. The simple fact is that most people over a certain age are more likely to have had complications in their past and are more likely to have some on their trip. It sucks they make you jump through more hoops however consider yourself fortunate Bernice that you’re in great shape and your premiums will be a lot less than others who aren’t as lucky.

Insurance is just a math game based on likely odds that at the end of the day the company is making more money than they’re paying out. We buy insurance on the principle that if the odds aren’t in our favor that we don’t lose everything we have paying sometimes exorbitant health costs. It really is just like gambling. If on a much more serious level.

Have fun on your trip!

I’ve been using Kanetix to find better insurance rates for everything and it seems to work fine–fast too, and saves you the trouble of entering all your info. multiple times. Reputable companies come up in the quotes and the site normally gives you about 5 options in the final quotation which you can easily revise and compare for different options.

Once you get older, the insurance provided on a credit card may no longer be available (I believe it cuts off at age 60 or 65 for most credit cards). Also, rates from most of the banks are too expensive, except for car and house insurance which I obtained excellent rates from TD Insurance (don’t know if they also provide travel insurance since I did not ask, but I guess they probably do as they are in the credit card business too).

This is great! I’m looking into the medical insurance required for the youth mobility visa to Spain and its been a headache! Its for a year and requires hospitalisation and repatriation for over 3 million canadian dollars. I wanted to ask you about the written extension from the provincial health care plan. What is this about?

Your detailed info on travel insurance was fantastic. It just saved me over $200 and we got better coverage (comprehensive) via TD Meloche Monnex as we have home and auto coverage with them.

Thanks so much

It would be helpful to make it clear that World Nomads will not cover anyone over age 59. Took 10 minutes of searching their website and a phone call to be told they don’t insure seniors by not offering any policy options at all. Haven’t worked my way through the other options yet

Thanks for letting us know Susan. We’ll add it to the post.

I’m interested to know if you found any that didn’t require you to have Canadian provincial coverage? My trip will be too long.

Hi Wes, what you need to look into is Canadian Expat Insurance. Expat insurance will cover you even though you don’t have Canadian provincial health care coverage. That’s especially important if you plan to be out of the country longer than your province will allow.

Most people don’t realize that nearly every Canadian travel insurance policy offered requires continual provincial health care.

Some provinces allow you to leave for extended amounts of time so it’s worth looking into that first. Check out this article . It has links to every provincial health care site and some good information about Expat Insurance.

Hope that helps!

Incredibly helpful article. You seem to have quite a lot of information about Canada travel insurance and that’s great that i came to learn about it.

Thanks, this was very helpful, especially pointing me to Kanetix. I dive and snorkel, so it’s important I don’t have exclusions because of that. If you are ever in Penticton, let me by you a beer!

Came here to throw my support behind World Nomads. They have been easy to use for me (2 years straight) and I really appreciate being able to extend my travel insurance on the road. As far as I know, WN is the only travel insurance that allows that!

Thanks for the comprehensive comparison of travel insurance providers. For those of us over 65 years of age, finding travel insurance can be very pricey if they will even insure us.

Next question: do you have a similar listing of ex-pat insurance?

Hi Bill. The truth is there isn’t that many Canadian expat insurance providers out there and pretty much none online. The vast majority of travel insurance companies in Canada require you to maintain your provincial medical plan and, as you probably know, most only give you 3 to 6 months to be away without written authorization.

We’re actually in the process of writing a post just for Canadian Expats and we’ll make sure we update this post with the link once it’s up.

Very good article.

I just have one confusion.

What if during my date of return say April 1st and for some reason no planes are flying for whatever reason. My medical insurance is only up to April 1st. On April 2nd, I got sick or have an accident, will I be covered?

It really depends on your plan. Some policies will automatically be extended if there are issues and others end on their allotted day regardless of the reason.

I would definitely recommend contacting your insurance provider if your trip gets extended for whatever reason and do it before your policy is over. When it comes to insurance, it’s better to err on the side of caution than to risk not being covered.

So helpful, thank you for this detailed analysis and keeping it up to date!

Hi there! Thanks for this. First time buying travel insurance and there’s a lot to learn. I’m travelling to India so I’m primarily worried about my belongings (camera, laptop, phone, dive gear) and hospital bills if I get sick. Seems WorldNomads is my best option. Quick question.. Could you elaborate on what you mean when you say: A lot of Canada travel insurance reviews don’t mention this, but it’s important: If you’re gone for more than six months, ensure you get a written extension from your provincial health care plan (this applies only to Canadians).

What is a ‘written extension’? What is the issue if one hasn’t gotten it?

Thanks in advance for any information!

These points are very helpful. Thanks for sharing!

Hi there Charles and Micki,

Any suggestions on which company would offer an extension after the 1 year is up? I like the World Nomads so that it would cover my gear – but they only do 1 year at a time and I would have to return to Canada to get another year. Thank you for your time.

Hi Kevin, that’s the million dollar question these days since the vast majority of Canadian travel insurance policies require 2 things. The first is that you maintain your provincial healthcare and the second is that the trip commences in Canada.

In that sense, World Nomads is great. Though they still require you to maintain your Canadian healthcare, you can actually purchase their travel insurance after you’ve left Canada. I’m not 100% positive but I do believe they only allow 1 year trips so I’m guessing that’s the quandary you’re in.

If you haven’t left Canada yet, you should look into Travelcuts . They’re about the only company I can think of that offers travel insurance for Canadians for trips longer than a year. We actually used them for our first year long RTW way back in the day and they were good to deal with.

If you’re already travelling, my only suggestion is to return to Canada for a quick visit and then get another year of coverage with World Nomads or another insurance company. If that’s not possible, you’re last option (besides going without, which I don’t suggest doing) is you need to look into Expat insurance.

The nice thing about Canadian Expatriate travel insurance is you don’t need to maintain your provincial healthcare while you’re gone so if you live in one of the provinces where you have to pay monthly premiums, you can at least save on that. The funny part is that it can actually be cheaper than normal travel insurance and you don’t even need to buy it from a Canadian company.

That said, there are only a few that we know of in Canada at this moment. You can check out this post regarding Expat insurance and the companies that cover it. Unfortunately, you can’t buy any of them online easily so you might need to contact them to see what they can do for you.

Good luck and safe travels.

Very wealthy information. And those key points in which you had mentioned is very useful and also some valid points too. Really nice thank you so much

Excellent Article. I ended up using TUGO as a direct result of this article and saved $160 over using my regular RBC travel insurance, so thank you very much. TUGO worked best for us as we only needed the travel medical. All else such as travel accident, travel cancellation is covered because I purchased my tickets with my RBC credit card. If I needed everything, I think I would have gone with Nomads

Great article. It is always good to know what are the options available. However, TIC travel insurance (mentioned in the article) has been overtaken by Allianz Global Assistance what is one of the insurance giants worldwide. The website remained the same though. I was able to find cheap premiums for Medical Policies for a month or even for annual plans for frequent fliers like me that is always onboard a plane going somewhere because of my job.

Hello, We went onto kanetix.ca website and received a quote for Ingle International. Has anyone used this company and experienced a positive or negative situation? I went to the http://www.travelinsurancereview.ca website and this company was not listed. They gave us a great rate $442 for 5 months and family of 4 for travel medical top-up insurance for 90 days and I am sceptical. We are also traveling to Egypt where there is a travel advisory for non-essential travel and this has been the only company that has told us we would be covered if we traveled there in the travel advisory zones. Any advice would be helpful. Thank you!

This is amazingly helpful! I’m a bit surprised TravelCuts (Also known as Merit Travel, they are backed by Allianz) was buried down the list a bit as their coverage and premiums are incredibly reasonable. You can get budget plan B which is basically just medical with some trip cancellation and it is MUCH cheaper (I’m talking nearly half price) of most of the other leading insurance places. I had never heard of them and was just going to go with World Nomads again which is fine, but WN seems to builds in a ton of other stuff in their policies which I can never use or wouldn’t bother. Personal effects and trip cancellation just has too many loopholes it seems. TravelCuts doesn’t even have a deductible either! I phoned to confirm. This is now my go-to. Thanks for this great info I wouldn’t have found them without this site!

Here is a real doozy for you! World Nomads no longer offers Canadians coverage past 365 days. I have been aboard 360 days and need to buy new insurance. I have looked at most of the sites here, however most of them do not 1) include on option to list multiple destinations (I will be in Thailand, Sri Lanka, India, Cambodia and Laos) and 2) do not offer an option for residents of the Northwest Territories! I am completely stumped. Losing World Nomads was devestating, especially as they used to allow to extend past 365 days. Any ideas of companies that will cover multiple countries AND NT residents?!?! And as a backpacker i am trying to stay on the budget savvy side so the big banks are not really an options.

Thanks for all the info on this, there is a lot out there for UK and USA residents, not as much for Canadians!

Brittany, if you’re out of Canada for that amount of time chances are that your provincial healthcare is no longer valid however that depends on which province you live in and if you’re a student outside of Canada. I believe that only Alberta (and perhaps NWT) allows you to be outside Canada for a year just backpacking around and maintain your healthcare.

That would be the first thing I would look at and, then following that line, I would look into Expat Insurance. There are only a few Canadian companies that offer it however, since it doesn’t require them to deal with your provincial healthcare if they need to make a claim, you can look into expatriate insurance providers from any country.

You’ll definitely be paying a little more for Canadian Expat Insurance however you can rest easier knowing that you’ll actually be covered. Some provinces cancel your provincial healthcare after only a month abroad if you don’t contact them and pretty much every Canadian travel insurance provider requires you maintain your provincial healthcare while you’re gone.

You can check out this post which talks a bit about it and has the relevant links to every provinces regulations. Good luck!

Thanks so much Barefoot Nomad! I checked my usual places for insurance, and my insurance/medical company, and banks and all crazy high. I did a quick search for reviews/advice and found your blog. So glad I did. I really only needed trip cancellation as my work insurance covers me for medical, but this World Nomads basic plan was includes medical and nice limits on trip cancellation. It was at least $50 less then the others I looked at ($120 for a 20 day trip) and far more comprehensive.

I’ll keep an eye on your blog, looks like I can learn a lot from you 🙂

Thank you for writing this useful tips. it might be help me in future.

I’m 62 years old and heading to a remote area of Ethiopia for a mission. It is not currently under any travel advisement from the Canadian gov’t, but I guess you know how things can go. What’s my best option for what might be considered a moderately dangerous trip at age 62?

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Unveiling the Best Travel Insurance Companies in Canada: A Comprehensive Guide for Seamless and Worry-Free Explorations

Embark on an exploration of [Unveiling the Best Travel Insurance Companies in Canada: A Comprehensive Guide for Seamless and Worry-Free Explorations]. Delve into a world of secure travel as we guide you through the intricacies of selecting the most reliable insurance providers in Canada. Ensure your journeys are protected with comprehensive coverage, enabling you to embrace the unexpected and revel in the wonders of unfamiliar destinations.

Key Takeaways:

• World Nomads:
• Best overall travel insurance company.
• User-friendly platform and global recognition.

Covers adventure activities.

CAA Travel Insurance:

• Top choice for families.
• Offers family-specific coverage and emergency assistance.

Stand-alone emergency medical coverage is available.

Blue Cross:

• Ideal for seniors and pensioners.
• Specialized packages for pre-existing medical conditions.

Covers medical expenses and trip interruptions.

Travel CUTS:

• Best for budget-conscious travelers.
• Affordable plans starting at $1.36 per day.

Designed for travelers aged 15 and above.

Allianz Global Assistance Canada:

• Honorable mention for value and coverage options.
• Offers Bronze and Silver plans.

Covers trip cancellation, medical expenses, and lost luggage.

Table of Contents

Best Travel Insurance Companies in Canada

As someone who’s jet-setted across continents and explored far-off lands, I’ve come to appreciate the value of a comprehensive travel insurance policy. It’s not just about protecting yourself from unforeseen events; it’s about ensuring peace of mind and the freedom to embrace the unexpected.

If you’re a Canadian planning your next adventure, selecting the right travel insurance is paramount. Let’s delve into the world of travel insurance and unveil the top companies that provide exceptional coverage and unparalleled service.

Exploring the Top Contenders:

Whether you’re a seasoned globetrotter or a first-time traveler, choosing the best travel insurance company can be daunting. To make your decision easier, here are the top contenders that offer comprehensive coverage and exceptional customer service:

World Nomads: A renowned name in travel insurance, World Nomads stands out for its ease of use and extensive coverage options. Whether you’re an adrenaline junkie or a laid-back traveler, their plans are designed to cater to your unique needs.

CAA Travel Insurance: When it comes to family travel insurance, CAA Travel Insurance reigns supreme. With a focus on emergency assistance and comprehensive coverage, they’ve got you covered for every twist and turn of your family adventure.

Blue Cross: Seniors and pensioners, take note: Blue Cross has got your back. They offer specialized packages tailored to pre-existing medical conditions, ensuring you have peace of mind and the coverage you need.

Travel CUTS: Budget-conscious travelers, rejoice! Travel CUTS offers affordable plans that won’t break the bank. Starting at $1.36 per day, you can protect your trip without compromising your budget.

Allianz Global Assistance Canada: Last but not least, Allianz Global Assistance Canada deserves a spot on our list. With a range of plans, including the Bronze and Silver options, they provide coverage for trip cancellation, medical expenses, and lost luggage, giving you the confidence to travel worry-free.

Navigating the Insurance Maze:

Selecting the best travel insurance company is like embarking on a journey in itself. Here’s a step-by-step guide to help you choose the perfect fit:

Assess Your Needs: Take stock of your travel plans, health requirements, and budget. Are you planning an adventurous backpacking trip or a luxurious getaway? Do you have pre-existing medical conditions that need coverage?

Research and Compare: Dive into the world of travel insurance companies. Compare their coverage options, policy limits, deductibles, and exclusions. Read reviews, check customer testimonials, and make informed decisions.

Consider Price: While cost is a factor, don’t let it be the sole determinant. Opt for a plan that strikes the right balance between coverage and affordability. Remember, the cheapest option may not always be the best.

Seek Expert Advice: If you’re unsure about which company to choose, don’t hesitate to consult with an insurance agent. They can help you navigate the complexities of travel insurance and tailor a plan that fits your specific needs.

The Traveler’s Checklist:

Before you embark on your journey, make sure you’ve ticked off these essential items:

Purchase Your Policy: Once you’ve chosen your travel insurance company, purchase your policy well in advance of your trip. This ensures you’re covered from the moment you step out your door.

Keep Your Documents Handy: Store your policy details, including your policy number and contact information, in a safe and accessible place. Make copies and keep them in different locations, just in case.

Understand Your Policy: Take the time to read and understand your policy terms and conditions. Know what’s covered, what’s not, and the process for filing a claim.

Stay Informed: Keep an eye on travel advisories and alerts issued by the Canadian government. This information can help you make informed decisions and adjust your travel plans if necessary.

With the right travel insurance in place, you can set off on your adventure with confidence, knowing you’re protected against the unexpected. So go ahead, explore the world, embrace the unknown, and create memories that will last a lifetime.

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Cost Analysis: Balancing Coverage and Budget

The importance of selecting travel insurance that meets your unique requirements and budget cannot be overstated. To achieve this delicate balance, consider the following:

Budget Considerations

• Anticipate Your Travel Expenses: Consider aspects such as destination, trip duration, activities, and accommodation costs to determine your total travel budget.
• Establish Your Coverage Priorities: Assess the aspects of travel that matter most to you, whether it’s medical coverage, trip cancellation, or baggage protection.
• Compare Costs: Obtain quotes from various insurance providers to compare premium rates.

Coverage Considerations

• Medical Coverage: Evaluate the coverage limits for medical expenses, especially if you have pre-existing conditions or require specialized care.
• Trip Cancellation/Interruption: Consider the extent of coverage for trip cancellation or interruption due to unexpected events.
• Baggage Coverage: Determine the coverage limits for lost, damaged, or delayed baggage, taking into account the value of your belongings.
• Adventure Activities Coverage: If you intend to engage in adventurous activities, ensure your policy covers such pursuits.

Deductible Options

• Choosing a Deductible: Opting for a higher deductible may lower your premium, but it means paying more out-of-pocket expenses before coverage kicks in.
• Weighing the Benefits: Assess whether the potential savings from a higher deductible outweigh the increased out-of-pocket costs in case of a claim.
• Balancing Act: Striking a balance between coverage needs and budget is crucial for selecting the best travel insurance policy.
• Prioritize Coverage: Identify the coverage aspects that align with your travel plans and budget.
• Compare Quotes: Obtain quotes from multiple providers to compare premium rates and coverage options.
• Deductible Considerations: Evaluate the pros and cons of choosing a higher or lower deductible.

Relevant URL Sources:

• Cost of Travel Insurance in Canada
• How to Choose the Right Travel Insurance Plan

Customer Service Evaluation: Ensuring Seamless Support

Navigating the complexities of travel insurance can be daunting, especially when seeking a provider that offers exceptional customer service. A reliable travel insurance company should prioritize your well-being and provide prompt assistance in times of need. Here’s a step-by-step guide to evaluating the customer service of travel insurance companies:

1. Analyze Company Policies and Procedures: – Scrutinize the insurance company’s policies and procedures to ensure clarity and transparency. – Look for a company with a transparent claims process, readily available claim forms, and simple instructions for filing claims.

2. Read Customer Testimonials and Reviews: – Seek out customer testimonials and reviews online to gather firsthand experiences and insights into the company’s customer service. – Pay attention to feedback regarding claim processing speed, responsiveness, and overall satisfaction.

3. Assess the Company’s Accessibility: – Check the availability of various communication channels, including phone, email, live chat, and social media. – Determine the company’s business hours and average response times to ensure timely support when needed.

4. Investigate Claim Settlement Ratios: – Research the company’s claim settlement ratios to gauge its track record in promptly settling claims. – A higher claim settlement ratio indicates a greater likelihood of claims being approved and paid out.

5. Evaluate the Company’s Financial Stability: – Assess the company’s financial stability and reputation to ensure its ability to honor claims and provide long-term support.

6. Seek Recommendations from Travel Industry Professionals: – Engage with travel agents, travel bloggers, or other industry professionals who have experience dealing with various travel insurance companies. – Ask for their insights on customer service quality and claim handling efficiency.

7. Experience the Company’s Customer Service Firsthand: – Contact the company’s customer service department with inquiries or scenarios to evaluate their responsiveness, professionalism, and knowledge. – Observe their ability to provide clear explanations and personalized assistance.

• Evaluating customer service is crucial in selecting a travel insurance company that offers seamless support.
• Assess company policies, read customer reviews, and consider the company’s accessibility and financial stability.
• Explore claim settlement ratios and seek recommendations from industry professionals.
• Engage with the company’s customer service directly to experience their responsiveness and expertise.
• Customer Service Evaluation: How to Choose the Best Travel Insurance Company
• How to Evaluate the Customer Service of a Travel Insurance Company

Top Travel Insurance Companies Revealed: Expert Recommendations

Navigating the world of travel insurance can be a tricky task, especially in today’s uncertain environment. From medical emergencies to flight delays, unforeseen events are lurking around every corner. That’s where travel insurance comes in, serving as your trusted companion, protecting you against unexpected setbacks and ensuring peace of mind throughout your journeys.

Key Takeaways: – Travel insurance offers a safety net against unforeseen events that may arise during your travels, from medical emergencies to trip disruptions. – Compare coverage options, policy limits, and deductibles to find a plan that suits your individual needs and budget. – Ensure you understand the terms, inclusions, exclusions, and claim filing process of your chosen policy. – Purchase your insurance well in advance of your trip to secure coverage from the outset. – Keep policy details and contact information easily accessible during your travels. – Travel with confidence, knowing you’re protected against unforeseen circumstances.

Unveiling the Top Contenders:

After meticulously analyzing the offerings of various travel insurance providers in Canada, I’ve compiled a list of the top companies that consistently deliver exceptional coverage and customer support. These companies have earned a reputation for reliability, financial stability, and a genuine commitment to ensuring your journeys are as smooth and worry-free as possible.

World Nomads: Adventurers, thrill-seekers, and globetrotters, meet your ideal travel insurance partner. World Nomads understands your unique needs, offering comprehensive coverage for a wide range of activities, from scuba diving to hiking, ensuring you’re protected no matter where your wanderlust takes you.

CAA Travel Insurance: Families, rejoice! CAA Travel Insurance has got your back. Their policies are meticulously designed to cater to the specific requirements of families, providing peace of mind and comprehensive coverage for every member, from grandparents to little ones. Their emergency assistance services are also top-notch, ensuring you’re never left stranded.

Blue Cross: For seniors and retirees, Blue Cross is your go-to choice. Their plans are tailored to address the unique health concerns and travel needs of this demographic, offering specialized packages that provide comprehensive coverage for pre-existing medical conditions. Embark on your retirement adventures with confidence, knowing you’re well-protected.

Travel CUTS Bon Voyage Insurance: Budget-conscious travelers, unite! Travel CUTS Bon Voyage Insurance understands the importance of affordable travel insurance without compromising on coverage. Their plans are designed to fit your budget, providing essential protection without breaking the bank. Whether you’re a student backpacker or a savvy traveler seeking value, Travel CUTS has you covered.

Manulife CoverMe: Canadians with pre-existing medical conditions, Manulife CoverMe has your back. Their policies are designed to provide comprehensive coverage for a wide range of pre-existing conditions, ensuring you can travel with peace of mind, knowing you’re protected against unexpected medical emergencies.

Choosing the right travel insurance policy can be a daunting task, but follow these simple steps to find the perfect fit for your needs:

Assess Your Needs: Take a moment to evaluate your travel plans, health requirements, and budget. This self-assessment will help you determine the necessary level of coverage.

Research and Compare: Dive into the world of travel insurance companies, comparing coverage options, policy limits, deductibles, and exclusions. Read reviews and testimonials from fellow travelers to gain valuable insights into their experiences.

Consider Price: While cost is a factor, it shouldn’t be the sole determinant. Remember, the right travel insurance policy is an investment in your peace of mind and protection against unforeseen events.

Seek Expert Advice: If you’re feeling overwhelmed by the options, don’t hesitate to consult with an experienced insurance agent. They can help you navigate the complexities of travel insurance, ensuring you make an informed decision.

Once you’ve selected your travel insurance policy, follow these steps to ensure you’re fully prepared for your journey:

Purchase Your Policy: Don’t wait until the last minute! Purchase your travel insurance policy well before your trip to ensure coverage from the start of your journey.

Keep Your Documents Handy: Store policy details and contact information safely and accessibly. Make copies for backup. Keep them readily available during your travels.

Understand Your Policy: Take the time to read and understand the terms of your policy, including coverage inclusions and exclusions, as well as the process for filing a claim.

Stay Informed: Monitor travel advisories and alerts from the Canadian government. Stay updated on any changes or developments that may impact your travel plans.

Peace of Mind and Exploration:

With the right travel insurance policy in place, you can confidently explore the world, knowing you’re protected against unexpected events. Travel insurance can facilitate peace of mind and enable you to create lasting memories during your adventures. Embrace the unknown with confidence, knowing you’re covered.

• Best Travel Insurance Companies of 2023
• Top Travel Insurance Companies in Canada

Q1: What is the average cost of travel insurance in Canada?

A1: The average cost of travel insurance in Canada is approximately $248 per trip, which typically ranges from 4% to 8% of the total trip cost.

Q2: Which factors influence the cost of travel insurance?

A2: The cost of travel insurance is influenced by various factors, including the insurance provider, the coverage package, the traveler’s age, the duration of the trip, the traveler’s smoking status, pre-existing medical conditions, the type of policy, and the deductible.

Q3: What are some of the benefits typically covered by travel insurance?

A3: Travel insurance typically covers unexpected events that can disrupt travel plans, such as medical emergencies, trip cancellations or interruptions, lost or delayed baggage, natural disasters, and more.

Q4: How can travelers get a quote for travel insurance?

A4: Travelers can obtain a travel insurance quote by visiting the website of a travel insurance provider and supplying information such as their age, trip destination, trip dates, and any pre-existing medical conditions.

Q5: What are some tips for saving money on travel insurance?

A5: Travelers can save money on travel insurance by comparing quotes from multiple providers, taking advantage of discounts for multiple trips or longer durations, and opting for a policy with a higher deductible.

– Uncovering the Best Travel Insurance Companies in Canada: A Comprehensive Guide for Secure Journeys

Unveiling the Best Travel Insurance Companies in Canada: A Comprehensive Guide for Secure Journeys. Navigating the world of travel insurance in Canada can be daunting, with countless companies and policies to choose from. This comprehensive guide will illuminate the best travel insurance providers in Canada, offering a clear path to a secure and worry-free travel experience. Discover the essential factors to consider when selecting a travel insurance company and delve into detailed comparisons of leading providers. Equip yourself with the knowledge to make informed decisions, ensuring your journeys are protected and memorable.

• World Nomads is the best overall travel insurance company in Canada.
• CAA Travel Insurance offers the best family travel insurance.
• Blue Cross provides the best senior and pensioner travel insurance.
• Travel CUTS offers the best discount travel insurance.

Allianz Global Assistance Canada is a notable mention.

Travel insurance is essential for non-residents in Canada as healthcare is not free.

Travel insurance covers trip cancellations, delays, lost luggage, and provides peace of mind while traveling.

Choose a travel insurance policy based on:

• Trip duration
• Destination
• Planned activities
• Age, health, budget
• Best Travel Insurance Companies In Canada – Hardbacon
• Best Travel Insurance in Canada for 2023 – HelloSafe.ca

As a seasoned travel writer, I’ve encountered the significance of reliable travel insurance firsthand. Navigating the intricate world of travel insurance in Canada can be daunting, so let me guide you through the essentials. From comparing leading providers to practical tips, this comprehensive guide will ensure you’re adequately protected during your journeys.

Why is Travel Insurance Important in Canada?

• Canada’s healthcare system isn’t free for non-residents. Travel insurance can cover unexpected medical expenses, so you won’t break the bank.
• Trip cancellations, delays, and lost luggage can ruin your vacation. Travel insurance can reimburse you for these inconveniences, saving you money and hassle.
• Peace of Mind: knowing you’re covered in case of emergencies can provide invaluable peace of mind, allowing you to fully embrace your travels.

Factors to Consider When Choosing a Travel Insurance Policy:

• Trip Duration: Consider the length of your trip. Longer trips may require more comprehensive coverage.
• Destination: Research the healthcare system and political stability of your destination. Some regions may require specialized coverage.
• Activities: If you plan on engaging in adventurous activities like skiing or hiking, ensure your policy covers these.
• Age and Health: Age and pre-existing conditions can affect your coverage options. Disclose any medical conditions accurately.
• Budget: Travel insurance policies vary in price. Compare quotes from multiple providers to find a plan that fits your budget.

Top Travel Insurance Companies in Canada:

World Nomads: Renowned for its comprehensive coverage, World Nomads is a top choice for adventure travelers.

CAA Travel Insurance: Families, take note! CAA Travel Insurance offers tailored policies for families, including coverage for children and emergency childcare.

Blue Cross: Seniors and pensioners, rejoice! Blue Cross offers specialized plans designed for your unique travel needs, including coverage for medical conditions and trip delays.

Travel CUTS: Budget-conscious travelers, listen up! Travel CUTS provides affordable travel insurance plans without compromising on coverage.

Allianz Global Assistance Canada: This reputable provider offers a wide range of coverage options, including trip cancellation, medical emergencies, and lost baggage.

Remember, the best travel insurance company is the one that aligns with your specific needs and budget. Research, compare quotes, and read reviews to make an informed decision.

Additional Tips for Getting the Most Out of Your Travel Insurance:

• Read the Policy Carefully: Understand the terms and conditions of your policy before you purchase it. Know what’s covered and what’s not.
• Purchase Insurance Early: Buying insurance well in advance of your trip ensures you’re covered from the moment you book your flights.
• Keep Records: Save all receipts and documentation related to your trip. These may be required if you need to file a claim.
• File Claims Promptly: If you need to make a claim, do so as soon as possible after the incident occurs.

By following these tips, you can choose the best travel insurance company in Canada and ensure you’re adequately protected during your travels. Bon voyage!

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Comparison of Coverage, Benefits, and Costs: Choosing the Best Travel Insurance for You

Shopping for a travel insurance policy can feel like navigating a maze, especially with so many providers offering various plans. To simplify your search, let’s break down the key factors to consider when comparing policies: coverage, benefits, and costs.

Coverage: What’s Protected?

When evaluating travel insurance plans, understanding what’s covered is paramount. Here are some common types of coverage included in different policies:

Medical Treatment: Coverage for unexpected medical expenses, including hospitalization, doctor’s visits, medication, and medical evacuation.

Trip Cancellation and Interruption: Reimbursement for non-refundable trip expenses if your trip is canceled or interrupted due to unforeseen events like illness, weather, or natural disasters.

Lost, Stolen, or Damaged Belongings: Coverage for your luggage, personal items, and valuables in case they’re lost, stolen, or damaged during your trip.

Trip Delay: Reimbursement for additional expenses incurred due to flight delays or missed connections.

Rental Car Damage: Coverage for damage to a rental car during your trip.

Emergency Assistance: Access to 24/7 emergency assistance services, including medical advice, legal aid, and travel arrangements.

Benefits: Extra Perks to Consider

Beyond coverage, many travel insurance plans offer additional benefits that can enhance your travel experience:

24/7 Customer Service: Access to customer support representatives who can assist you with any questions or issues you may encounter during your trip.

Pre-existing Condition Waivers: If you have pre-existing medical conditions, some policies may offer waivers that cover these conditions without excluding them from your coverage.

Adventure Sports Coverage: For adventure enthusiasts, specific policies offer coverage for activities like skiing, scuba diving, and rock climbing.

No-Claim Bonus: Some providers reward you with discounts or upgrades if you don’t file any claims within a certain period.

Costs: Finding the Right Fit

The cost of travel insurance varies depending on several factors, including:

Age: Generally, older travelers pay higher premiums due to the increased likelihood of medical issues.

Health: Travelers with pre-existing medical conditions may also face higher premiums.

Trip Length: Longer trips typically require more comprehensive coverage, resulting in higher premiums.

Destination: Travel to certain countries with limited healthcare infrastructure or political instability may result in higher premiums.

Coverage Level: The more coverage you opt for, the higher the premium will be.

By comparing different policies’ coverage, benefits, and costs, you can find a plan that suits your specific needs and budget.

Coverage: Understand what’s covered in different policies, including medical treatment, trip cancellation, lost luggage, and emergency assistance.

Benefits: Look for policies that offer additional benefits like 24/7 customer service, pre-existing condition waivers, and adventure sports coverage.

Costs: Consider factors like age, health, trip length, the destination, and coverage level when comparing premium costs.

Compare Policies: Use online comparison tools or consult with travel insurance experts to compare policies and find the best deal.

Read the Fine Print: Before purchasing, carefully review the policy’s terms and conditions to ensure you understand the coverage limitations and exclusions.

How to Choose the Best Travel Insurance Plan for Your Next Trip

The Ultimate Guide to Travel Insurance

Tips for Getting the Most Out of Your Travel Insurance

When it comes to travel insurance, the goal is to obtain maximum protection while minimizing financial outlay. Here’s how to do just that:

Familiarize yourself with your provincial health care coverage and determine if it extends to medical expenses incurred during travel.

Annual multi-trip travel insurance is a great option for frequent travelers.

Know what emergency medical expenses are covered, including hospital fees, ambulance services, prescription drugs, and medical appliances.

Non-medical coverage can include trip cancellation or interruptions, lost luggage, delays, emergency dental costs, and duration of coverage.

Always read the policy carefully before purchasing it to understand the terms and conditions thoroughly.

Consider purchasing travel insurance as soon as you book your flights to ensure coverage from the start of your trip.

Keep receipts and documentation related to your trip, as they may be required when filing claims.

Promptly file claims after an incident occurs to expedite the reimbursement process.

Source: Canadian Travel Insurance Tips | HealthQuotes.ca

Summary and Recommendations: Navigating the Travel Insurance Landscape in Canada

When planning your adventure, don’t let unforeseen circumstances derail your journey. Travel insurance serves as your safety net, providing a financial cushion against unexpected mishaps like medical emergencies, lost luggage, or trip delays.

Safeguard Your Journey: Travel insurance protects you from financial setbacks caused by medical emergencies, trip interruptions, or lost belongings abroad.

Compare and Contrast: Not all travel insurance policies are created equal. Research and compare offerings from reputable providers to find the best coverage for your unique needs and budget.

Read the Fine Print: Before committing, thoroughly review the policy terms and conditions. Ensure you understand the coverage limits, exclusions, and claim procedures.

Prioritize Essential Coverage: Ensure your policy covers medical emergencies, trip cancellations, lost luggage, and delays. Additional coverage options may include adventure activities, pre-existing conditions, and emergency dental care.

Know Your Destination: Research the healthcare system, political stability, and safety of your travel destination. Tailor your coverage accordingly.

Consider Annual Coverage: If you’re an avid traveler, consider annual multi-trip insurance to save money and enjoy peace of mind throughout the year.

Choose a Reputable Provider: Opt for a reliable travel insurance company with a strong track record of customer service, prompt claim processing, and a wide network of healthcare providers.

Disclose Your Medical History: Be honest about pre-existing medical conditions when purchasing travel insurance. Failure to disclose can jeopardize your coverage in case of a claim.

Keep Records: Retain all receipts and documentation related to your trip, including medical expenses, transportation costs, and accommodation expenses. These documents are crucial for filing claims successfully.

File Claims Promptly: If you need to file a claim, do so promptly. Most policies have specific time limits for submitting claims.

• Best Travel Insurance in Canada for 2023
• Is Travel Insurance Worth It?

Q1: What are the leading travel insurance companies in Canada?

A1: Top travel insurance providers in Canada include World Nomads, CAA Travel Insurance, Blue Cross, Travel CUTS, and Allianz Global Assistance Canada. These companies offer comprehensive coverage options tailored to different traveler needs and destinations.

Q2: Why is it necessary to obtain travel insurance in Canada?

A2: Travel insurance is crucial in Canada because the healthcare system may not cover non-residents for medical emergencies. It provides coverage for unexpected medical expenses, trip cancellations, delays, and lost luggage, ensuring peace of mind during your journey.

Q3: What factors should I consider when selecting a travel insurance policy?

A3: When choosing a travel insurance policy, consider factors such as the duration of your trip, destination, planned activities, age, health, and budget. Assess the coverage limits, exclusions, and any additional benefits that align with your travel needs.

Q4: Are there travel insurance plans that cover pre-existing medical conditions?

A4: Yes, some travel insurance companies offer coverage for pre-existing medical conditions. However, it’s important to note that exclusions may apply, and additional premiums may be required. It’s essential to disclose any pre-existing conditions to the insurance provider to ensure adequate coverage.

Q5: How can I compare different travel insurance policies to find the best coverage?

A5: To compare travel insurance policies effectively, consider obtaining quotes from multiple providers. Review the coverage details, limits, and exclusions carefully. Consider additional benefits like trip cancellation or interruption coverage, lost luggage coverage, and emergency medical coverage to determine the policy that best meets your travel requirements.

Unveiling the Best Travel Insurance Companies in Canada: A Guide to Secure and Enjoyable Trips

Embark on a journey through Canada’s top travel insurance providers in [Unveiling the Best Travel Insurance Companies in Canada: A Guide to Secure and Enjoyable Trips]. This comprehensive guide will navigate you through the intricacies of travel insurance, ensuring you make informed decisions to safeguard your adventures. Discover the leading companies that offer tailored protection plans, catering to every traveler’s unique needs, and unlock the secrets to a worry-free and fulfilling travel experience.

• World Nomads: Top-rated travel insurance, easy to use.
• CAA Travel Insurance: Ideal for families, covers medical emergencies, trip cancellations, and baggage loss.
• Blue Cross: Offers packages for seniors and pensioners, including coverage for pre-existing medical conditions.
• Travel CUTS: Budget-friendly plans starting at $1.36 per day.
• Allianz Global Assistance Canada: Variety of plans with different coverage and benefits.
• Travel insurance is essential in Canada due to high medical costs and unexpected expenses.
• Canada’s healthcare system may not cover all expenses for visitors.

Hey there, travel enthusiasts! Planning a trip to the breathtaking landscapes of Canada? Don’t forget to safeguard your journey with the best travel insurance companies in Canada .

Travel insurance is like a trusty travel companion, protecting you from unexpected bumps along the way. Whether it’s a medical emergency, trip cancellation, or lost luggage, these companies have your back.

Why Travel Insurance in Canada?

• Canada’s renowned healthcare system might not fully cover medical expenses for visitors.
• Travel insurance ensures financial protection in case of unforeseen circumstances.

Top Travel Insurance Providers in Canada

World Nomads: The go-to choice for adventurers and globetrotters, offering comprehensive coverage worldwide.

CAA Travel Insurance: A reliable option for families, providing peace of mind with emergency medical coverage, trip cancellation, and baggage protection.

Blue Cross: Tailored plans for seniors and pensioners, addressing pre-existing medical conditions and offering specialized coverage.

Travel CUTS: Budget-savvy travelers rejoice! Travel CUTS offers affordable plans starting at a mere $1.36 per day.

Allianz Global Assistance Canada: A trusted name with a range of plans catering to different coverage needs and budgets.

Choosing the Right Travel Insurance

Selecting the best travel insurance company in Canada is like finding the perfect travel buddy. Consider these factors:

Trip Type: Adventure junkies may need more extensive coverage than those on a relaxing beach vacation.

Destination: Some policies offer specific coverage for certain countries or regions.

Coverage: Read the fine print to understand what’s covered and what’s not.

Price: Compare premiums to find a plan that fits your budget.

Customer Service: Check reviews and ratings to ensure prompt and reliable assistance when you need it most.

Secure Your Trip, Embrace the Journey

With the best travel insurance companies in Canada by your side, you can confidently embark on your Canadian adventure, knowing you’re covered. Embrace the maple leaves, the majestic mountains, and the vibrant cities with peace of mind.

So, pack your bags, insure your journey, and let Canada’s wonders unfold before you. Safe travels, friends!

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Tips for Choosing the Right Company

Welcome, fellow adventurers! As an experienced travel enthusiast and seasoned writer, I’ve had the fortune of exploring the world and uncovering secrets worth sharing. When it comes to travel companions, choosing the right one is like finding the perfect travel buddy – seamless, dependable, and offering the peace of mind you deserve.

Key Takeaways: – Think About Your Trip: Match your insurance plan with the activities and destinations of your journey. If you’re getting adventurous, consider coverage for high-risk thrills.

Prioritize Health Necessities: If you have a pre-existing condition, ensure your plan covers it. Many providers offer specialized policies for specific needs.

Know Your Limits: Review coverage amounts for medical expenses, trip delays, and luggage limits. Choose a plan that aligns with potential expenses, so you’re fully protected.

Look for Extra Perks: Some plans offer convenient benefits like trip cancellation, baggage delay assistance, and emergency services abroad. These perks can save you from unexpected hassles.

Don’t Break the Bank: Compare premiums from various providers to find a plan that fits your budget. Keep in mind, the cheapest option might not always provide the best coverage.

Research and Read: Before committing, take the time to understand the fine print. Read the policy details thoroughly to avoid surprises later on.

Embrace Assistance: Check reviews and ratings to gauge the company’s customer service. Trustworthy and prompt assistance can make all the difference when you need it most.

Choosing the right travel insurance isn’t just about ticking boxes; it’s about finding a partner that becomes an integral part of your journey, providing a safety net to catch you when you need it most. It’s an investment in peace of mind, empowering you to explore new horizons with confidence.

Sources: – Best Travel Insurance in Canada for 2023 – The Best Travel Insurance for Canadians in 2023

Filing a Claim with a Travel Insurance Company

Navigating the world of travel insurance claims can be daunting, but it doesn’t have to be. Here’s a simplified guide to ensure a smooth and successful claim process:

Contact Your Travel Insurance Provider:

• Reach out to your travel insurance company via their hotline, website, or mobile app.
• Provide your policy number and personal information to initiate the claim process.

Review Your Policy Coverage:

• Before you file a claim, it’s crucial to understand your policy’s terms and conditions.
• Review your policy document to know what is and isn’t covered.
• If you have questions, don’t hesitate to contact your insurance provider for clarification.

Gather Supporting Documentation:

• Gather all relevant documentation to support your claim.
• This may include receipts, flight itineraries, medical records, and other relevant paperwork.
• Make copies of all documents as you may need to provide them to your insurance company.

File Your Claim:

• Once you have gathered all the necessary documentation, you can officially file your claim.
• This can typically be done online, via mail, or over the phone.
• Follow the instructions provided by your insurance company for a seamless claim process.

Be Patient and Follow Up:

• After submitting your claim, it’s important to be patient as it may take some time for your claim to be processed.
• If you haven’t heard back within a reasonable time, don’t hesitate to follow up with your insurance company for an update.

Appeal a Denied Claim:

• In case your claim is denied, you have the right to appeal the decision.
• Contact your insurance company and request an explanation for the denial.
• If you believe the decision was unjust, you can submit an appeal with additional information to support your claim.
• Contact your travel insurance provider immediately to initiate the claims process.
• Review your policy coverage to understand what is and isn’t covered.
• File your claim online, via mail, or over the phone, as per your insurance company’s instructions.
• Be patient and follow up with your insurance company if you haven’t heard back within a reasonable time.

Forbes Advisor: How To Get Reimbursement For A Travel Insurance Claim TuGo: Travellers Insurance Claims Canada

Additional Resources: A World of Travel Insurance Knowledge at Your Fingertips

When planning a journey, securing reliable travel insurance is like putting on a safety net that protects you from unexpected pitfalls. This curated section offers valuable insights and resources to help you make informed decisions about choosing the right travel insurance policy in Canada. From reputable providers to invaluable tips, we’ve got you covered!

• Planning Ahead: Travel insurance is your shield against unexpected medical emergencies, trip disruptions, and lost luggage, especially when venturing beyond Canada’s borders.
• Know Your Destination: Consider the destination’s healthcare system, political stability, crime rates, and natural disaster risks.
• Tailor Your Coverage: Opt for a plan that aligns with your trip type, duration, and activities. Consider high-risk coverage if you plan on adventurous pursuits.
• Compare and Contrast: Research and compare various travel insurance providers to find the best coverage at a reasonable price. Read reviews and check ratings to gauge customer satisfaction.
• Medical Coverage: Prioritize medical coverage, especially if you have pre-existing conditions. Look for plans that offer emergency medical assistance and evacuation.
• Trip Protection: Choose a plan that covers trip delays, cancellations, lost luggage, and personal liability.
• Read the Fine Print: Understand the terms and conditions thoroughly, including exclusions and limitations. Know what’s covered and what’s not to avoid surprises.

Providers We Trust

World Nomads: Your trusted companion for intrepid adventurers, offering comprehensive coverage for adrenaline-fueled activities and worldwide adventures.

CAA Travel Insurance: The family’s champion, providing peace of mind with tailored plans that safeguard families against unforeseen events during their travels.

Blue Cross: A beacon of support for seniors and retirees, offering specialized plans that address pre-existing conditions and ensure a worry-free journey.

Travel CUTS Bon Voyage Insurance: The budget-savvy traveler’s ally, providing basic yet reliable coverage at pocket-friendly rates, ensuring affordability without compromising protection.

Manulife CoverMe: A lifeline for travelers with pre-existing medical conditions, offering customizable plans that provide comprehensive coverage and peace of mind.

Medipac Travel Insurance: Your guardian angel in medical emergencies, offering robust coverage for medical assistance, evacuation, and repatriation, keeping you safe and secure wherever you roam.

Beyond Our Words: Delving Deeper

Explore these resources for a deeper dive into the world of travel insurance in Canada:

Best Travel Insurance in Canada for 2023: Link

How to Get Reimbursement For A Travel Insurance Claim: Link

In the realm of travel insurance, knowledge is power! By equipping yourself with the right information and choosing the optimal policy, you transform your journey into an adventure brimming with confidence and tranquility. Bon voyage, fellow traveler! May your explorations be filled with joy and the knowledge that you’re covered every step of the way.

Q1: What is the best travel insurance company in Canada for thrill-seekers engaging in extreme activities?

A1: World Nomads is a reputable travel insurance provider known for its comprehensive coverage for high-risk activities like skiing, snowboarding, and scuba diving. They offer flexible plans with customizable options to suit adventurous travelers’ needs.

Q2: Which travel insurance company is recommended for families traveling together?

A2: CAA Travel Insurance is a popular choice for families due to its tailored coverage for lost luggage, trip delays, and medical expenses. They provide various plans designed to meet the needs of families of different sizes and budgets.

Q3: Can I find travel insurance that covers pre-existing medical conditions?

A3: Yes, Manulife CoverMe is an ideal option for Canadians with pre-existing medical conditions. They offer coverage for a wide range of medical conditions, including chronic illnesses and disabilities, with flexible plans and customizable options to suit individual needs.

Q4: Which travel insurance company is suitable for budget-conscious travelers?

A4: Travel CUTS Bon Voyage Insurance is designed for travelers seeking affordable coverage. They provide basic coverage for medical expenses, trip delays, and lost luggage with budget-friendly plans that are easy on the pocket.

Q5: What factors should I consider when selecting travel insurance?

A5: To choose the right travel insurance policy, consider factors such as your trip type, destination, medical conditions, coverage limits, additional benefits, and cost. Ensure the plan aligns with your potential expenses and offers comprehensive coverage for a secure and worry-free journey.

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Unveiling the Best Travel Agency in India for International Tours: Your Gateway to Unforgettable Journeys

– the best travel tours for seniors: unforgettable experiences, enriching discoveries.

The Best Travel Insurances in Canada

• Author: Shoikot Ahmed
• May 11, 2023

Table of Contents

What is travel insurance in canada, what is covered by the best travel insurance in canada, the various types of travel insurance policies, top travel insurance companies in canada.

Looking for the best travel insurance in Canada while preparing for a vacation there? Here is everything you know about finding Canada travel insurance as a visitor to northern neighbors.

Financial protection from a variety of emergencies that can occur while you're traveling is provided by travel insurance. Costly consequences could occur, such as costs for medical care, trip cancellation, or misplaced luggage, whether you're planning a weekend trip across the province or an annual business trip abroad. You won't have to worry about these costs if you have comprehensive travel insurance coverage in place, allowing you to enjoy your trip.

Every travel insurance policy is unique, and the level of coverage you choose will determine what is and isn't covered. You can typically anticipate the following medical services to be covered:

• Emergency hospital visits and medical expenses
• Costs of ambulances and air ambulances
• Non-hospital services
• Medical and laboratory fees
• Medicines on prescription
• Direct payment to the medical facilities and practitioners treating you
• Help getting a family member to your bedside
• Commercial repatriation or air ambulance
• Return of your car if you're sick and need to return home
• cancellation of a trip due to non-refundable financial losses
• Trip cancellation
• Baggage loss, damage to a rented car, and personal expenses
• Accidental mutilation and death

Travel insurance policies in Canada vary widely. You can select an insurance package that meets your individual needs whether you're a seasoned traveler or arranging your first trip abroad.

• Single-trip insurance: Offers protection for just one trip, from the start date of the policy to the termination date of the policy.
• Multi-trip insurance: Offers coverage for each trip you take during the year, though there may be restrictions on how long each trip can last.
• Top-up insurance: Offers extra protection on top of any existing insurance advantages you may have.

Best for frequent travelers: Allianz Travel Insurance

As a significant provider of travel insurance, corporate help, and concierge services, Allianz Travel Insurance is recognized as a global leader in the Canadian travel insurance and assistance sector. It aims to assist its clients to find solutions for a range of travel-related problems. Travel agencies, airlines, hotels, websites, brokers of event tickets, enterprises, academic institutions, and credit card organizations are just a few of the renowned businesses that Allianz Travel has collaborated with.

Anyone looking for travel insurance in Canada should consider Allianz Travel Insurance. Travelers who leave their homes and stop at one or more other locations before returning home may benefit from its one-way plans. With varying levels of safety and coverage, its parent company, Allianz Global Assistance, offers five different insurances.

Allianz Travel Insurance offers annual/multi-trip plans that are perfect for frequent travelers who travel for both work and pleasure. There are four different alternatives available.

Best for Families: CAA Travel Insurance

Long a dependable Canadian institution, CAA travel insurance provides adaptable travel plans to fit every kind of traveler and vacation, but their family-friendly coverage is especially fantastic. They provide a very comprehensive stand-alone emergency medical policy that covers up to $5 million in medical expenses, including reimbursements for pet boarding and care as well as medical repatriation.

For pre-paid, all-inclusive vacation packages, the Vacation Package Plan offers comprehensive cancellation/interruption insurance, as well as family transportation and kid escort in case of emergencies. CAA travel insurance is available to everyone, but CAA members get a 10% discount on policies.

Customers who have received the COVID-19 vaccine are now covered by COVID-19-related illnesses under CAA's emergency medical policies. If only partially immunized, coverage is up to $2.5 million, and if fully immunized, coverage is up to $5 million.

The downside of this insurance is Stand-alone emergency medical coverage policy does not include trip cancellation/interruption coverage.

Best for budget travelers: Travel CUTS Bon Voyage Insurance

Travel CUTS Bon Voyage Insurance offers very reasonable travel insurance packages in Canada. Prices start at about $1.36 per day. It is designed with students in mind (for instance, you can change your trip dates without paying a fee if your schedule conflicts with an exam), but anyone between the ages of 15 and 50 can buy a policy.

The base plan comes with hospital and medical coverage up to $1 million, dental treatment, air ambulance evacuation, trip interruption/cancellation insurance, and flight accident coverage. Extreme sports and adventure are also covered.

Best for thrill-seekers: World Nomads

Designed for thrill-seekers with a wanderlust, World Nomads covers 200+ a long list of adventure sports, activities, volunteer/work adventures, as well as sporting equipment delay/loss/theft. Furthermore, you have access to a 24-hour helpline that offers information on the weather, travel warnings, finding the closest path, and finding a place to rent equipment.

The typical policy includes emergency dental bills up to $5 million, trip cancellation/interruption/delay, baggage delays/theft/damage, and more. The disadvantage is that you have to be younger than 66 to be eligible.

Ideal for seniors and retirees: Blue Cross

1 in 4 Canadians uses Blue Cross travel insurance, which has been around for more than 70 years. Emergency medical coverage from Blue Cross extends up to $5 million. Blue Cross is a great option for seniors because it offers unique "snowbird" travel insurance plans created for Canadians who vacation to warmer regions every year and VIP “Serenity Service” for flight delays.

Serenity Service, which was just released, is a component of the package. If your trip is delayed, this free perk offers a number of advantages, such as access to an airport lounge or even a hotel room (depending on the length of the delay). In general, pre-existing conditions are not covered.

Best for emergency medical assistance: Medipac Travel Insurance

The Medipac Assistance hotline is staffed by a team of in-house, highly qualified medical professionals, making Medipac one of the few travel insurance companies in Canada with such a service. When you have an urgent medical need, Medipac's medical staff should be your first port of call. When dealing with a high deductible, this service is particularly beneficial for navigating foreign medical systems and helping to avoid irrational costs.

No age restrictions, a claim-free discount, and a 90-day stability period for most pre-existing conditions are just a few of the competitive benefits Medipac offers for their travel insurance plans. Medipac also offers customized, underwritten insurance policies to help you fulfill your needs if your pre-existing medical condition isn't covered by a normal Medipac insurance plan.

Clients who have received a minimum of one dose of a COVID-19 vaccine are eligible for the new MedipacMAX option as well as a 5% vaccine discount from Medipac. In addition to its other advantages, this COVID insurance option offers maximum coverage of up to $5 million USD for COVID-19.

The disadvantage is that only the TravelEase package offers coverage for pre-existing medical issues.

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

For individuals who are visiting Canada as a visitor, a student, or a family, Manulife CoverMe offers extremely comprehensive Canadian travel insurance packages. Additionally, you get access to the TravelAid smartphone app, which offers call numbers for local emergency services as well as directions to the closest medical facility.

TravelEase, a unique policy created to cover fully revealed medical issues, maybe the characteristic that stands out. It covers a wide range of costs for transportation and medical services for travelers with pre-existing diseases. A unicorn in the field of travel insurance, it offers emergency medical benefits up to $10 million.

The disadvantage is coverage for pre-existing medical conditions is limited to the TravelEase package only.

Travel insurance in Canada protects you in the event you have to cancel or cut your journey short for many reasons, including weather, illness, government shutdowns, and more. Many policies also cover lost luggage or medical expenses incurred when traveling abroad.

The top travel insurance policies are inexpensive while still providing great coverage with minimal exclusions or limits and high customer satisfaction.

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Canadian Travel Insurance Reviews

We’ve looked into several online and offline policies and have written up information pertaining to some of the largest insurance companies that offer travel insurance to Canadians. Want to find out what they do or don’t offer? Want to do a comparison of travel insurance in Canada? Click on one of the following reviews to get you started.

• Air Canada . Travel insurance packages offered through Canada’s largest airline. All plans are underwritten by RBC Insurance.
• Alberta Blue Cross . A limited selection of travel insurance plans for Alberta residents only.
• Alberta Motor Association (AMA) . With 950,000 members in a province with a population of just over 4 million, AMA offers four basic travel insurance plans and a visitors to Canada plan.
• Allianz Canada . Formerly known as Mondail, Allianz is one of Canada’s major underwriters.
• American Express (AMEX) . One of Canada’s best known credit card companies, American Express also offers stand alone travel insurance policies.
• April International . A relative newcomer on the Canadian travel insurance scene, they offer affordable rates and insurance for almost everyone, from students to seniors, backpackers and visitors to Canada included.
• BCAA (British Columbia Automobile Association) . With 0ver 800,000 members, BCAA offers travel insurance to Canadians in British Columbia and the Yukon.
• BMO (Bank of Montreal) . Travel insurance from the gold standard of Canada’s banks.
• Blue Cross . Travel insurance offered by one of Canada Blue Cross’ seven member sites.
• CARP and The McLennan Group . Not just for seniors, CARP’s travel insurance products are provided by the McLennan Group Insurance Inc.
• Frontier MEDEX . This US-based company offers emergency evacuation insurance and medical travel insurance plans for Canadians.
• GMS (Group Medical Services) . While it might not be a household name, GMS is one of Canada’s biggest travel insurance companies.
• HSBC . One of the world’s largest banks, HSBC offers two travel insurance plans for Canadians.
• International SOS . World class medical evacuation insurance.
• itravel2000 . One of Canada’s first discount vacation booking websites, itravel2000 offers a few simple travel insurance packages to customers.
• Manitoba Blue Cross . Travel insurance for Manitoba residents only.
• Manulife . One of Canada’s largest names in travel insurance.
• Medavie Blue Cross . Travel insurance for residents of New Brunswick, Newfoundland & Labrador, Nova Scotia, and Prince Edward Island offered by useblue.com .
• Medipac . Extremely popular with seniors, Medipac is endorsed by t he Canadian Snowbird Association and the Royal  Canadian Legion.
• MedjetAssist . Medjet Assist is not traditional medical travel insurance. Instead, MedjetAssist offers its members air medical transport to the hospital of their choice in their home country,
• Ontario Blue Cross . Travel insurance for residents of Ontario.
• Pacific Blue Cross . Travel insurance offered to residents of British Columbia and the Yukon Territory.
• PC Travel Insurance . Affordable comprehensive, single trip, and trip cancellation plans from President’s Choice Financial.
• Quebec Blue Cross . Travel insurance and visitors to Canada plans for residents of Quebec only.
• RATESDOTCA (formerly Kanetix.ca) . Canada’s leading comparison website for travel insurance. RATESDOTCA is a fast, easy way to get quotes from some of biggest companies in Canada.
• RBC (Royal Bank) . Probably the most popular travel insurance company in Canada.
• RSA . RSA is one of the biggest travel underwriters in Canada.
• Scotiabank ScotiaLife . A wide range of insurance, from medical travel insurance to visitors and student insurance.
• Squaremouth . Allows you to compare dozens of travel insurance quotes and plans. Not well known in Canada, but well established in the States and the UK.
• TD Meloche Monnex . Wide Horizions Solution multi-trip (annual) insurance that includes trip cancellation and interruption.
• TD Travel Insurance . Single and multi-trip policies from one of Canada’s big banks.
• TIC Travel Insurance . One of Canada’s few companies that are travel insurance specialists.
• Tour+Med Travel Insurance . Popular with snowbirds, one of the few companies that offers custom plans on a case by case basis for pre-existing conditions.
• travelcuts . Backpacker and student insurance offered by Canada’s top student travel agency (formerly Travel CUTS Bon Voyage).
• Travel Guard . Despite a clunky web interface, Travel Guard is one of Canada’s biggest travel insurance companies with a wide range of policies.
• Travel Insurance Review for Seniors in Canada . Compares prices and coverage for seniors travel insurance plans. Reviews travel insurance offered through credit cards for Canadian seniors.
• TuGo Travel Insurance . A full suite of travel insurance products, including Visitors to Canada coverage (formerly Travel Underwriters).
• World Escapade . Affordable travel insurance for residents of multiple countries, best known for being cheap backpacker’s and long term insurance.
• World Nomads . Recommended by Lonely Planet and popular with backpackers, World Nomads offers insurance to travellers in over 150 countries.

This list is constantly growing. Don’t see your preferred insurance company here? Make sure they’re not just an agent or broker for one of the companies we’ve already reviewed and  send us an email . We’ll look into it and add it to our review list.

We also offer reviews of travel insurance available on credit cards:

• MBNA Platinum Plus Mastercard
• American Express comparison of all cards
• American Express Platinum
• American Express Gold
• Scotiabank American Express Card
• Scotiabank Gold American Express Card
• Scotiabank Platinum American Express Card
• ScotiaGold Passport® VISA card
• Scotiabank Travel Rewards® VISA

How to Compare Travel Insurance

The easiest way to compare Canadian travel insurance is to use a comparison website.

Comparison websites, like Kanetix.ca , let you compare quotes for travel insurance from several different companies at once.  You type in a few details about your trip, and compare policy coverage and prices to help narrow down your choice.  Check out our review of Kanetix.ca .

*As always, the information on this page is from one Canadian traveller to another. We have spent years abroad and have gotten to know the ins and outs of the industry however we are not travel insurance agents. If you have any travel insurance questions, please talk to a qualified travel insurance agent or broker. Finally, policies and plans can and do change all the time, without warning, so always consult your insurance policy since that is the legal document to which you are agreeing to. *This article is only intended as general advice. Please check your own policy carefully.

The information and content of this site is intended for general informational and entertainment purposes only. It is not intended as insurance, legal, financial, tax or any other professional advice or services. Insurance policy wordings are subject to change at any time, without prior notice. We are not responsible for errors or consequences from your use of this information. Read policy details to ensure that a policy is right for you.

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3,500,000 travel days insured for over 500,000+ people in 2015

Flexible travel plans.

Bon Voyage Travel plans are ideal for the traveler who needs flexibility on their travel insurance benefits and length of insurance required.  

Please note that travel plans cover medical condition caused by coronavirus/COVID-19 as long as it is not pre-existing. However, trip cancellation or curtailment due to COVID is not covered. 

Key Features

Maximum period of insurance up to 180 days | no deductible for all benefits (except optional car rental protection) | provides cover for winter sports, trekking, scuba diving, rafting, bungy jumping and various aquatic sports with no additional premium | baggage & personal effects cover extends to laptop computer or tablet computer.

Please follow the link for a full copy of the Bon Voyage Travel Plan Brochure .

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7 Best Canadian Travel Insurance Companies

Financial protection from a variety of emergencies that can occur while you’re traveling is provided by travel insurance.

Furthermore, Canadian health insurance isn’t valid outside of the country, and even while you’re traveling within the country, your provincial or territorial health plan might not fully cover your expenses. Unexpected medical costs from an accident or illness overseas could put you out of business. For this, the Canadian government recommends that all tourists purchase travel insurance , and I never leave Canada without it. Regardless of age, health, destination, or duration of vacation, everyone needs the best travel insurance in Canada, whether they are going on a two-week trip or spending a gap year abroad. Here are some of the top insurance providers to take into consideration when searching for the best travel insurance plan in Canada.

Table of Contents

1. World Nomad Travel Insurance

World Nomad Travel Insurance is the best for Thrill-Seekers : Designed for adrenaline lovers with wanderlust, World Nomads ensures a long list of adventure sports, activities and, volunteer/work experiences, as well as sporting equipment delay/loss/theft. You also have access to a 24-hour helpline that offers information that adventurers might require, such as weather updates and travel warnings, help to find the nearby route, and help to find a gear store.

The typical policy includes coverage for emergency dental costs up to $5 million, trip cancellation/interruption/delay, baggage delays/theft/damage, and more. The drawback is that eligibility requires that you be younger than 66 years.

2. CAA Travel Insurance 

CAA Travel Insurance is the best option for families : A long-standing Canadian institution, CAA travel insurance offers adaptable travel packages to fit every traveler and trip, but its family-friendly coverage stands out. They provide an exceptionally thorough stand-alone emergency medical policy that provides up to $5 million in health coverage, covering even medical repatriation, urgent dental care, and reimbursements for boarding and caring for pets.

The Vacation Package Plan offers complete cancellation/interruption insurance, making it perfect for pre-paid, all-inclusive vacation packages, as well as family transportation and kid escort in case of emergencies. Although anybody can purchase CAA travel insurance, members save 10%

For clients who have received the COVID-19 vaccine, the emergency medical plans from CAA now cover conditions that are related to COVID-19. A partial vaccination is covered up to $2.5 million, while a full vaccination is covered up to $5 million.

3. Blue Cross Blue Shield Travel Insurance 

Blue Cross is the best option for seniors and retirees : One in four Canadians uses the travel insurance provided by Blue Cross Blue Shield , which has been around for more than 70 years. Up to $5 million is covered under Blue Cross’ emergency medical coverage. Blue Cross is a great option for seniors because it offers unique “snowbird” travel insurance plans created for Canadians who vacation to warmer regions every year.

The freshly introduced Serenity Service is a component of the package. If your aircraft is delayed, this complimentary perk gives you access to a variety of advantages, such as a hotel room or an airport lounge (depending on the length of the delay).

4. Travel CUTS Bon Voyage Insurance 

Travel CUTS Bon Voyage Insurance is the best option for Budget Travellers : The travel insurance plans from Travel CUTS Bon Voyage Insurance starts at just $1.36 per day, and it has long been my “go-to” travel insurance. Although it is oriented toward students (you can change your trip dates for no additional cost if your schedule conflicts with an exam), anyone between the ages of 15 and 50 can buy coverage.

Hospital and medical coverage up to $1 million, dental care, air ambulance evacuation, flying accident, accidental death or dismemberment, and trip interruption/cancellation insurance are all included in the base package. Extreme sports and adventure are also discussed.

5. Manulife Travel Insurance

Manulife Travel Insurance is the best option for Canadians with Pre-Existing Medical Conditions : Manulife Travel Insurance provides extremely thorough Canadian travel insurance packages for those traveling with a family, as visitors to Canada, or as students. Furthermore, you have access to the TravelAid smartphone app, which offers contact information for the closest emergency services as well as instructions to the nearest medical facility.

The standout feature, though, is undoubtedly TravelEase, a unique coverage created to cover fully reported medical issues. It covers a variety of costs for medical services and transportation for travelers with pre-existing diseases. It offers emergency medical coverage up to $10 million, which is unheard of in the field of travel insurance.

6. Medipac Travel Insurance 

Medipac Travel Insurance is the best for Emergency Medical Assistance : Travel Insurance from Medipac is one of the few travel insurance providers with a dedicated team of medical experts available via their Medipac Assistance hotline. Your initial point of contact in an emergency medical issue should be a medical practitioner from Medipac. This service is useful for navigating foreign medical systems and for avoiding irrational costs when dealing with a high deductible.

In addition to no age restrictions, a claim-free discount, and a 90-day stability period for the majority of pre-existing diseases, Medipac offers several appealing benefits for their travel insurance policies. If a standard Medipac insurance plan does not cover your pre-existing medical condition, Medipac also provides customized, underwritten insurance policies to assist you to meet your needs.

Customers who have received at least one dose of the COVID-19 vaccination from Medipac are eligible for the new MedipacMAX option as well as a 5% vaccine discount. Along with its other advantages, this COVID insurance option offers maximum coverage for COVID-19 of up to $5 million.

7. Allianz Travel Insurance 

Allianz Travel Insurance is the best for frequent travelers : As a well-known global leader in the Canadian travel help and insurance market, Allianz Travel Insurance is a significant supplier of concierge, corporate assistance, and travel insurance services. It aims to assist its clients in locating remedies for various travel-related issues. In addition to working with respectable travel agencies, airlines, hotels, websites, ticket brokers for events, corporations, academic institutions, and credit card organizations, Allianz Travel has associated with a wide range of other trustworthy businesses.

A wonderful option for those looking for travel insurance is Allianz Travel Insurance. Its one-way plans are ideal for travelers who leave their houses and stop at one or more other places before returning home. There are five distinct policies offered by its parent business, Allianz Global Assistance, with various degrees of protection and coverage. The annual/multi-trip plans from Allianz Travel Insurance are ideal for both personal and business travelers who make several journeys each year. There are four different alternatives available.

Conclusion 

While your policy may vary based on the insurer you select, an all-inclusive travel insurance package normally includes the different types of coverage you choose. The simplest approach to buying travel insurance is to use a comparison method, both offline and online, and to rapidly see pricing and coverage alternatives without disclosing personal information.

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Bon Voyage!

Before you leave, make sure to get all the necessary travel insurance. There are several types of insurances to consider: Trip Cancellation Insurance : Covers the expenses you have incurred paying for your trip should you have to cancel at the last minute because of a serious incident.

Baggage Insurance : Protects your personal belongings against loss or theft.

Travel Health Insurance : Covers the costs incurred due to illness or accident while travelling, such as:

• Medical and hospital costs;
• Cost of prolonged stay due to delayed return;
• Cost of an early return for treatment;
• Travel expenses for a relative who has to join you.

When you travel to a foreign country, you are subject to the local civil and criminal laws. Illicit drug use is forbidden in all countries, even in those countries where you see people using them in public. People in possession of drugs or dealing drugs may be fined, jailed or even executed. When you attempt to cross the border to the United States, the customs officers can impound your car if you are caught with even a small quantity of an illicit drug or transporting someone who has been refused access to the States.

In some countries, your provincial driver's licence may not be valid. You may be required to have an international driver's licence. In the United-States, however, your provincial driver's licence is valid.

Your Passport Your Canadian passport is a universally recognized proof of citizenship and you may be called on to show it at any time when travelling. Your passport has an expiry date: make sure that it is valid at least three months beyond your expected date of return. Some countries you visit may require an even longer period of validation. Before leaving, check with a Passport Canada office in order to obtain the latest information for canadians travelling abroad.

Never leave your passport unattended!

Vaccination Certificate Immunization against certain diseases may be required for entry into some countries. Always bring your certificate of vaccination with you when travelling and keep it with your passport; authorities may ask to see it before you are granted entry.

Medications Some medications sold over-the-counter in Canada may require a prescription elsewhere and may cause problems if you are discovered with them in your possession at the border. Ask your pharmacist to label every medication before you leave. Keep all medications and medical products in their original container and keep a list of all your medications including their generic names and dosages.

For a short trip, take along a sufficient supply of all your medications to cover your needs-and not more. For longer trips, take a copy of all your prescriptions in case you need to buy some of them locally. Also take along a prescription for your glasses/contact lenses.

Divide your medications and store some in your handbag and some in your regular luggage so that you have an alternate supply if a piece of luggage is lost or stolen.

Pre-travel Medical Consultation

Before entering a country, you must have received all mandatory immunizations. Additional vaccines as well as booster shots of routine immunizations may also be recommended. Since international health data change frequently, you should always check with a travel clinic for updated information on the required immunizations. Contact your local CLSC for the travel clinic closest to you. Allow 6 to 8 weeks before travel to carry out your personal immunization program.

Keep your vaccination certificate up-to-date. And always bring it with you when travelling since authorities may ask to see it before letting you enter a country.

Long-term Stay and Special Medical Conditions

If you plan a long trip, consult your physician, dentist and ophthalmologist before you leave.

If you suffer from a chronic disease or a special medical condition, bring a summary of your medical and pharmaceutical records, even if you are protected by a travel health insurance.

• you are allergic to a drug;
• you take anticoagulants (Coumadin™, Sintrom™) or cortisone;
• you suffer from cardiac arrhythmias or hypertension;
• you have diabetes
• you have a major medical problem.

For more informations :

Essential information for a safe trip

www.travel.gc.ca

[UNIPRIX] © Copyright Vigilance Santé The patient information leaflets are provided by Vigilance Santé Inc. This content is for information purposes only and does not in any manner whatsoever replace the opinion or advice of your health care professional. Always consult a health care professional before making a decision about your medication or treatment.

canadalisthub.com

6 cheapest travel insurance in canada (2024).

Travel insurance is a type of insurance that protects your trip investment. It covers the costs of trip cancellation or interruption, as well as emergency medical care while traveling, emergency evacuation, rental car damage, lost luggage, and other expenses. In a country like Canada, the medical component is crucial. Out-of-province care is more expensive and offers fewer services than care in the patient’s home province.

Travel insurance comes in a variety of forms. It is available as a standalone policy or as an add-on to a travel purchase, such as a flight. 

Top 10 Cheapest Travel Insurance In Canada

1. world nomads.

This insurance is purposely created for adrenaline lovers with wanderlust. World Nomads insures a long list of volunteer/work experiences, sporting equipment loss/theft, and adventure sports.  You also get access to a 24/7 customer center that provides info that adventure travelers may need: from travel advisories, weather reports, and assistance locating the nearest trail to finding a gear shop. The standard policy covers emergency medical expenses up to $5 million, trip cancellation/interruption, emergency dental service, baggage theft/damage, and more. The drawback to this wonderful insurance package is that you must be below 66 years of age to apply.

2. CAA Travel Insurance

CAA is a long-trusted Canadian institution that offers flexible travel plans to suit every type of traveler and vacation. However, their policies are particularly great for families only. Their stand-alone emergency medical policy of up to $5 million in health coverage is extremely extensive, including emergency dental service, medical repatriation,  and reimbursements for pet care. The Vacation Package Plan provides full cancellation/interruption insurance, which is ideal for prepaid, all-inclusive vacation packages,  as well as family transportation and escort of children during emergencies. 

For vaccinated clients traveling during a Government of Canada-issued Level 3 (avoid non-essential) travel advisory, CAA’s emergency medical plans now include coverage for COVID-19-related diseases. If only partially vaccinated, coverage is up to $2.5 million, and if completely vaccinated, coverage is up to $5 million.

3. Blue Cross Insurance

Blue Cross has been around for over 70 years, and one out of every four Canadians uses its travel insurance. Blue Cross’ emergency medical coverage is up to $5 million, and it offers specific “snowbird” travel insurance packages for Canadians who spend part of the year in warmer climes, making it an excellent choice for retirees. The recently established Serenity Service is included in the package, and it’s a free bonus that gives you access to an airport lounge or even a hotel room if your flight is delayed (depending on the length of the delay). In most cases, pre-existing conditions are not covered.

4. Travel CUTS Bon Voyage Insurance

Travel CUTS starts at $1.36 per day. This Insurance has been the “go-to” travel policy for many Canadians – thanks to their low-cost travel insurance packages. Their insurance is also good for students, as you can change your travel dates for free due to an exam schedule problem. Hospital and medical has a coverage of up to $1 million in air ambulance evacuation, dental care, accidental death, trip interruption/cancellation, and flight accident. All these are included in the base package. 

5. CoverMe by Manulife 

For people traveling as a family, a visitor to Canada, or a student, Manulife offers very comprehensive travel insurance packages, as well as access to the TravelAid smartphone app, which provides directions to the nearest medical facility and local emergency telephone numbers. However, TravelEase, a specific policy designed to cover fully reported medical issues,  is undoubtedly the most notable service offered by this insurance company. It covers a variety of charges for health services and transportation for travelers with pre-existing diseases, as well as up to $10 million in emergency medical benefits, which is something rare in the travel insurance business.

6. Medipac Travel Insurance 

Medipac is one of the only travel insurance providers that has its team of certified medical professionals available to help you via their Medipac Assistance hotline. In an emergency medical situation, Medipac’s medical specialists are your first point of contact. This service is also beneficial when dealing with foreign medical systems and avoiding extra costs when dealing with a high deductible.

Medipac’s travel insurance policies provide several appealing features, a claim-free discount, no age restrictions, and a 90-day stability period for the majority of pre-existing conditions. If a normal Medipac insurance plan doesn’t cover your pre-existing medical condition, Medipac also offers customized, underwritten insurance coverage to match your needs.

Clients who have gotten at least one dose of a COVID-19 vaccination, as well as the new MedipacMAX option, will earn a 5% Vaccine Discount from Medipac. In addition to its other benefits, this COVID insurance option gives maximum coverage of up to $5 million for COVID-19.

What Is Covered By Travel Insurance?

What your travel insurance covers is determined by the insurer and the package of coverage you select. Emergency medical care, trip interruption, lost or damaged baggage, and trip cancellation are all common coverage.

If you already have supplemental individual medical coverage and are traveling within Canada, a basic plan covering only flight cancellation may suffice. If you’re planning a ski trip to the French Alps, on the other hand, a comprehensive plan that includes emergency medical care and evacuation back home could put your mind at ease if you have a bad fall on the slopes.

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Although it’s not compulsory to get a travel insurance when taking most vacations, it’s still financially credible to do. Because the financial cost of something going wrong while traveling is typically bigger than it would be at home, and travel insurance provides additional safety and peace of mind. Medical treatment is the finest example of this, as most health insurance, whether public or private, will not cover you if you travel outside Canada. An uninsured foreign emergency could cost you thousands of dollars because of the exorbitant expense of medical care. Hence you should consider signing up for one of the aforementioned insurance.

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Travel Medical Insurance: Top 5 Travel Insurance Plan in Canada (2024)

When planning a trip abroad or even within Canada, ensuring you have adequate travel medical insurance should be a top priority. Failing to do so may lead to costly consequences, particularly when facing health-related issues while away from home.

Travelling to destinations with less reliable healthcare services further underscores the importance of being adequately covered. Without proper insurance, you could find yourself in a precarious situation, requiring significant financial resources to address a sudden health emergency.

In this article, we will delve into the fundamentals of travel medical insurance, explore the key factors to keep in mind when purchasing coverage and provide guidance on comparing different platforms to secure the best possible deal for your travel insurance needs.

5 Best Travel Medical Insurance in Canada

When embarking on a journey, having reliable travel medical insurance can prove to be a significant boon. After all, mishaps are an unfortunate reality, and they can strike at any time, especially while you’re away from home. 

Regardless of how careful and responsible you may be, unexpected situations can arise. Travel medical insurance protects you from the financial fallout of such unforeseen events, and you can secure it through various channels, including travel agents, insurance brokers, employer-sponsored insurance plans, and credit card companies.

To make an informed choice for your travel medical insurance, it’s essential to conduct a thorough comparison and find a provider that aligns with your specific needs and budget. Here, we present our top selections for the five best travel medical insurance providers in Canada.

1. World Nomads Travel Insurance

• Best for: Thrill-Seekers
• Cover: up to $5,000,00
• Age limit: Below 66 years old

They ensure adventure sports, activities, volunteer/work experiences, sporting equipment, and loss/theft. What makes them unique is they provide 24/7 information on an adventure, from weather reports and travel advisories to assistance locating the nearest trail to finding a gear shop. You can cover trip cancellation, baggage theft, and many more. To qualify, you must be below 66 years. 

Why We Recommend World Nomads Travel Insurance

• Offers coverage for many adventure activities
• You can easily purchase coverage online
• Simple and flexible travel insurance offerings

Why We Don’t Like World Nomads Travel Insurance

• Less adapted for older travellers and snowbirds
• Some clients may prefer telephone assistance.

2. CAA Travel Insurance

• Best for: Families
• Stand-alone emergency policy: Up to 5,000,000
• Age limit: Anyone

CAA is a Canadian institution that offers comprehensive and flexible travel insurance plans to suit every type of traveller and vacation. Their coverage includes medical repatriation, emergency dental and pet care, and kenneling reimbursements. 

Their vacation package plan renders full cancellation insurance, which is ideal for prepaid and all-inclusive vacation packages. Family transportation and escort of children during emergencies are also part of it. Members get a 10% discount and coverage for COVID-19-related illnesses.

However, this benefits vaccinated members travelling during a Government of Canada-issued Level 3 (avoid non-essential) travel advisory. You get a cover of up to $2.5 million if partially vaccinated and up to $5 million if fully vaccinated.

Why We Recommend CAA Travel Insurance

• Enjoy 24/7 customer service.
• Easy to apply for coverage or file a claim online.
• Membership with CAA gives a 10% discount on travel insurance packages
• Extensive coverage for emergency medical intervention.

Why We Don’t Like CAA Travel Insurance

• It only offers special discounts to CAA members.

3. Travel CUTS Bon Voyage Insurance

• Best for: Budget Travellers
• Emergency medical benefit: up to $1,000,000
• Age limit: Between 15 and 50
• Editors Choice: Travel CUT

They start at only $1.36 daily and offer students affordable travel insurance packages. Due to exam schedule issues, students can swap their travel dates at no charge. The standard package includes adventure, sports, dental care, air ambulance evacuation, flight accident,  and trip cancellation insurance. 

Why We Recommend Travel CUTS Bon Voyage Insurance

• Covers high-risk activities and extreme sports
• Easy, intuitive online purchase
• Affordable, starting at $1.36/day
• Travel CUTS has a hassle-free TIC emergency assistance 800 number available 24/7 to find a local doctor.

Why We Don’t Like Travel CUTS Bon Voyage Insurance

• You must be under the age of 50 to get Travel CUTS insurance.

4. Manulife CoverMe Travel Insurance

• Best for: Canadians with Pre-Existing Medical Conditions
• Coverage: up to $10,000,000

Manulife Cover travel insurance plan offers comprehensive emergency travel medical insurance packages for those travelling as a family, a visitor to Canada, or a student. They give you access to the Travel Aid mobile app. The app provides directions to the nearest medical facility and local emergency telephone numbers. 

Moreover, they have a ” TraveEase” policy with fully disclosed medical conditions. Customers with pre-existing conditions enjoy health services and goods transportation systems. Moreover, they are seen as unicorns in the travel insurance world.

Why We Recommend Manulife Travel Insurance

• Up to $10 in emergency medical benefits
• Coverage for a single trip or multiple trips
• Save money if you are travelling within Canada
• Clear explanation of what the plans cover
• Several offers depending on your profile

Why We Don’t Like Manulife Travel Insurance

• Those above age 60 must fill out a medical questionnaire
• If you cannot call before seeking treatment, you pay 20% of the expense out of pocket.

5. Medipac Travel Insurance

• Best for: Emergency Medical Assistance
• Age limit: No age limit

Medipac is one of the travel insurance companies in Canada that is staffed by its own team of trained medical professionals.

You can get through these teams via their Medipac Assistance hotline. Their teams of medical professionals are your first point of contact in an emergency medical situation. 

They offer several features for their travel insurance plans, like a claim-free discount, and operates a 90-day stability period for most pre-existing condition.

Medipac also offers personalized and underwritten insurance policies for various customers’ needs, offers a 5% Vaccine Discount to customers who have received a minimum of one dose of a COVID-19 vaccine, and gives the new MedipacMAX option by providing COVID insurance and maximum coverage of up to $5 million for COVID-19.

Why We Recommend Medipac Travel Insurance

• 24/7 worldwide emergency assistance
• Offers coverage of up to $5 million and coverage for COVID-19
• A variety of travel insurance options
• Plans well-adapted for long stays in the United States

Why We Don’t Like Medipac Travel Insurance

• Being above 60 might require filling out a medical questionnaire.
• You must contact Medipac to receive the maximum allowable reimbursement before seeking medical treatment.
• Lacks coverage for trip cancellation, trip interruption, and lost luggage

What is Travel Medical Insurance?

Travel medical insurance is a unique form of health coverage tailored to the needs of those travelling abroad. It provides financial protection against healthcare expenses incurred while in a foreign country.

Essentially, this type of insurance is designed to safeguard individuals when they are outside their home country, ensuring that accidents or illnesses that may occur during their journey are covered.

The importance of travel medical insurance becomes abundantly clear when you find yourself in a situation where you require medical attention while away from home. In such instances, having the right coverage can make a significant difference in terms of your well-being and financial security during your travels.

Benefits of Travel Medical Insurance

If you’re a frequent traveller or simply concerned about potential injuries or illnesses while away from home, it’s time to explore the advantages of travel medical insurance. Here are some compelling factors to consider:

• Comprehensive Coverage: Travel medical insurance often extends a helping hand when conventional health plans fall short. This can encompass the expenses of emergency medical care, transportation, and even everyday health services like doctor visits, prescriptions, vaccinations, and more.
• Peace of Mind: Traveling with insurance means travelling with peace of mind. You’re shielded against unexpected medical costs that might crop up while you’re far from home, ensuring your journey remains worry-free.
• Immediate Care: In the event of a medical emergency, travel medical insurance offers swift access to the care you need, sparing you the stress of navigating unfamiliar healthcare systems.
• Language Assistance: Dealing with medical issues in a foreign country can be daunting, especially with a language barrier. Your travel medical insurance provider can assist you in bridging this gap and ensuring you get the care you require.
• Financial Protection: When you’re abroad, travel medical insurance provides specific safeguards. This includes coverage for evacuation and repatriation, as well as compensation for injuries sustained during your travels or due to unforeseen events like terrorist acts.

What Does Travel Medical Insurance Cover?

Travel medical insurance covers many emergencies and healthcare situations. However, it is not used for preventive treatments or regular medical care. It is meant to cover emergencies like:

• Broken body bones
• Sudden heart attacks
• Emergency strokes
• Emergency dental issues
• Medical evacuations
• Emergency transport to clinics
• Emergency repatriation
• 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
• Air ambulance or commercial home repatriation
• Return your vehicle if you are ill and have to come home.

Additional benefits may include the following:

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

Note: Anything that makes up a medical emergency and makes you seek treatment while you are on your trip should be covered by a comprehensive travel medical insurance policy.

What Does Travel Medical Insurance Not Cover?

• Pre-existing medical situations
• Medical evacuation
• Adventurous trip activities
• In the case of death.

Who Needs Travel Medical Insurance?

Purchasing travel medical insurance in Canada is a simple way to save money in an emergency. Anyone in Canada can benefit from the coverage.

Travel medical insurance is highly recommended on any trip abroad. While travelling within your own country, you don’t have to be concerned with the language barrier or finding an acceptable hospital or clinic.

However, when you’re abroad, everything changes, and you can only count on your travel medical insurance coverage. Travel medical insurance companies offer a variety of plans. The information below will help you to choose the right plan for you and your family. They include:

• Emergency Medical Plan: It may include physician services, ambulance transportation, hospitalization, prescription drugs, and more.
• COVID-19 Pandemic Travel: Available to Canadians travelling abroad, provides emergency medical insurance for COVID-19 complications, e.t.c
• All-inclusive Plan: Includes emergency Medical coverage, trip cancellation and interruption coverage, baggage loss/damage/delays, flight and travel accidents, e.t.c
• Trip Cancellation and Interruption Plan: Covers up to the purchased amount, e.t.c

Related: Life Insurance: Get Quotes Online Easily

Final Thoughts on Travel Medical Insurance

if you’re planning your next expedition or a simple getaway, consider the incredible benefits of travel medical insurance. Travel medical insurance is not just a phrase but a crucial shield against the unexpected. With this essential coverage, you can find peace of mind, knowing that you are protected no matter where your adventures take you.

So, before you embark on your next adventure, take a moment to consider the benefits of travel medical insurance. Don’t leave your health to chance; be proactive and protect yourself.

Ready to safeguard your travels with the peace of mind that comes from travel medical insurance? Explore your options, find the perfect coverage, and embark on your adventures with confidence.

FAQs on Travel Medical Insurance

Can you get medical-only travel insurance?

Yes, most insurers will offer travel and medical insurance to people with pre-existing medical conditions. However, depending on your circumstances, you may have to pay more for cover.

Can you get travel insurance after leaving Canada?

Yes, you can, but I advise you to check the insurance company with such a policy. Some may not allow such. But World Nomads policy permits that even when already overseas. However, a 48-hour waiting time relates to coverage of any illness, starting from the date you set the policy to run.

Is travel insurance mandatory for Canadian tourist visas?

Visitors are not required to have travel medical insurance. In a few cases, travel visa applicants may need proof of medical insurance coverage. 

Do Canadians need insurance to travel to other provinces?

Yes, it would be best to have insurance to travel to other provinces. Being conscious of your health situation is a plus because not all provinces in Canada offer the same coverage as your own. This difference means you may be paying out-of-pocket for your medical services. While some expenses may qualify for reimbursement from your province, it’s always the case. 

Does travel insurance cover Covid-19?

Some travel insurers now offer limited travel medical coverage for COVID-19. However, it will likely only cover the medical services, quarantine, and cancellation costs if you test positive for COVID-19.  Travel insurance providers are usually unlikely to cover cancellation if you cannot travel to your home due to lockdowns.

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Travel Cuts Travel Insurance  Review

An Insurance Canada summary of...

Travel Cuts Travel Insurance is an integral part of the Travel Cuts insurance company. Travel Cuts is one of Canada's leading insurance providers and has seen their customer base increase year on year. The company is dedicated to provide a wide variety of quality travel cover and offer several unique plans that will suit most Canadians. Policy holders will have the peace of mind knowing that while they are travelling abroad they are covered if they're involved in an accident and need hospital treatment. The company's policies will also cover loss or theft of luggage or other valuables.

They offer excellent cover at reasonable costs that the majority of people can afford. The average cost for an Travel Cuts policy is good value when comparing it to similar products available from other Canadian insurance companies.

Travel Cuts Offers on Travel Cover

Oftentimes Travel Cuts insurance offer savings and benefits on several types of insurance cover that help reduce the cost of their customer's policies. Their travel insurance products will cover clients in many situations when travelling abroad. Their insurance products include a wide variety of benefits and options as standard. They have a large selection of options for each product that ensures their ever growing Canadian client base will remain very satisfied.

Travel Cuts Insurance Online

Purchasing an online policy from the Travel Cuts website is relatively easy. Click the link below and follow their step-by-step instructions and your personal quote will be calculated within a few moments.

Contact Travel Cuts Insurance

Below you will find contact details for Travel Cuts Insurance compiled by the Insurance Canada research team.

Website:    Travel Cuts Travel Insurance

Email:    -

Telephone:     -

Toll Free:     1.800.667.2887

Fax:     -

Head Office: -

Travel Cuts Travel Insurance Notes

Please note that the information on this page concerning Travel Cuts Travel insurance is accurate at the time of publishing. However, details of insurance companies and brokers may change in the future. Although the team at Insurance CA strive to keep company information up to date there will be occasions when some info may be out of date.

Best Performing Travel Insurance Companies

Here are the top performing travel insurance companies in Canada according to the latest expert, retailer and customer reviews.

If you have an issue with this webpage, then EMAIL: [email protected]

For more information contact the team at insurance CA team by emailing [email protected]

Travel Insurance Companies A to Z

21st Century Travel Insurance

AAA Travel Insurance

AIG Travel Insurance

Air Canada Travel Insurance

Air Miles Travel Insurance

Allstate Travel Insurance

AMA Travel Insurance

Amex Travel Insurance

April Travel Insurance

ATB Travel Insurance

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Bank of Montreal Travel Insurance

BCAA Travel Insurance

Blue Cross Travel Insurance

Bon Voyage Travel Insurance

CARP Travel Insurance

CIBC Travel Insurance

Cooperators Travel Insurance

Cumis Travel Insurance

Desjardins Travel Insurance

Freedom Travel Insurance

Global Travel Insurance

GMS Travel Insurance

Great West Life Travel Insurance

HSBC Travel Insurance

I Go Insured

ICICI Lombard Travel Insurance

Ingle Travel Insurance

Insure My Trip

Intact Travel Insurance

Johnson Travel Insurance

Kanetix Travel Insurance

Manulife Financial Travel Insurance

Manulife Global Travel Insurance

Manulife Travel Insurance

Mastercard Travel Insurance

Medipac Travel Insurance

Nomad Travel Insurance

Orion Travel Insurance

PC Travel Insurance

RBC Travel Insurance

RSA Travel Insurance

Scotiabank Travel Insurance

Scotialife Travel Insurance

Snowbird Travel Insurance

Southern Cross Travel Insurance

Sun Life Travel Insurance

Sunwing Travel Insurance

TD Travel Insurance

TIC Travel Insurance

Tour Med Travel Insurance

Travel Cuts Insurance

Travel Guard Canada

VISA Travel Insurance

Westjet Travel Insurance

Travel Insurance Advice

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Best Travel Insurance Canada

Comparing Travel Insurance

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Flight Insurance

Health Travel Insurance

How to Buy Travel Insurance Online

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Medical Travel Insurance

Non Medical Travel Insurance

Online Travel Insurance

Out of Country Travel Insurance

Pre Existing Condition Travel Insurance

Student Travel Insurance

Travel Accident Insurance

Travel Cancellation Insurance

Travel Health Insurance

Travel Health Protector

Travel Insurance for Seniors

Travel Insurance for Visitors to Canada

Travel Insurance Quotes

Travel Medical Insurance

Travel Underwriters

Trip Cancellation Insurance

Travel Insurance Canada by State

Alberta Blue Cross Travel Insurance

Travel Insurance BC

Blue Cross Travel Insurance BC

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Blue Cross Travel Insurance Quebec

Manitoba Blue Cross Travel Insurance

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Travel Health Insurance for Canada

• NFP  / 
• Personal Risk  / 
• Travel Insurance

Bring the ultimate traveling companion with you wherever you roam: excellent travel insurance that suits your needs.

Traveling is one of the most rewarding experiences this world has to offer. In fact, traveling the world is on the bucket list of many Canadians whether for language learning, experiencing different cultures or taking in new sights.

Traveling can also be unpredictable. Whether it’s losing your bag or getting sick abroad, nobody wants to be in a foreign land facing uncertainty. No matter your travel insurance needs, NFP will help you select the appropriate amount of coverage. Whether you’re a Canadian traveling abroad or a visitor to Canada, we offer multiple options to give you peace of mind.

NFP Travel Insurance Package for Canadians and Visitors to Canada 

Travel medical insurance — worldwide: Travel medical insurance helps protect you in the event of injury or illness when traveling outside of Canada. An NFP travel medical insurance policy provides you with key health benefits in the event of an accident or sickness so that you’re not overwhelmed by medical bills while far away from home.

Trip cancellation insurance:  Things happen. Trips get cancelled. Trip cancellation insurance helps keep you covered in the event you have to cancel your trip. An NFP trip cancellation insurance policy will reimburse you, partially or fully, for any prepaid, forfeited or non-refundable costs.

Trip interruption insurance:  Put simply, trip interruption insurance covers the cost when an unforeseen circumstance causes you to cut your trip short or stay in the destination longer than you planned. Trip interruption insurance is vital for those travel-related mishaps you can’t always predict.

Baggage insurance:  This type of travel insurance is for when you find yourself waiting at the airport luggage carousel only to find your bags are gone. Baggage insurance provides coverage for luggage and covered items lost during travel.

Wherever your adventure takes you, let NFP help you get the most out of it with a travel insurance plan.

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We have insurance specialists that will help you with all the details to craft you a comprehensive rec and leisure insurance policy.

Peace of mind online and off.

As online threats continue to grow in frequency and severity across the world, NFP works to keep you protected.

Welcome to OnVoyage.ca!

Here, you can get the necessary information, and quick quotes, and buy online health and travel insurance products you need from various Canadian insurance companies.

Enjoy your trip!

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