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Enjoy the confidence and peace of mind with Blue Cross when exploring Canada or around the world

#1 in Travel Insurance

Out-of-province emergency medical expenses are not generally covered by your provincial medical plan and these expenses can be financially overwhelming.

For millions of Canadians, comprehensive emergency travel coverage offered by Blue Cross has become an essential part of their holiday plans.

As a recognized symbol of health care globally, being trusted, professional and familiar is what you need in your coverage provider when travelling out of province.

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Travel Worry Free

Let Blue Cross travel coverage take care of any unexpected medical emergency costs so you can make the most of your trip.

Whether you travel frequently during the year, take regular sun destination trips or do only occasional short trips, there is a plan that’s right for you.

Blue Cross is a member of a trusted global network, including the American Blue Cross & Blue Shield Association and the International Federation of Health Funds.

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Canadians are optimistic about travel in 2024

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

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

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

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We understand making the right choice for your benefits and coverage is important.

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What is Canada's best travel health insurance (2024)?

Our users trust us :

  • The most competitive offer on the market
  • Fast and efficient submission process
  • Multilingual emergency assistance services available 24/7

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

allianz

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

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

tourmed-en-logo

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

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

manulife-logo

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

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

After saving for the trip you've long dreamed of, picture yourself strolling through the enchanting streets of a foreign city, when suddenly, a medical emergency pops up. It's a scenario none of us want to picture, but it can happen to any of us.

That's where travel health insurance comes in. Travel health insurance or travel medical insurance covers medical expenses, emergency medical evacuation, trip cancellations/interruptions , and related unforeseen events while traveling. But how do you get the perfect policy?

We take you through the best travel health insurance policies from top Canadian providers, and their pros and cons. You can use our comparator to compare multiple travel health insurances and get free personalized quotes so you can pick a policy that truly suits you best.

Best travel health insurance Canada plans

  • CAA Travel Health Insurance: Unmatched 24/7 Virtual Emergency Medical Assistance
  • RBC Travel Health Insurance: Direct Payment of Emergency Bills for Ultimate Convenience
  • Blue Cross Travel Health Insurance: Limited Pre-Existing Condition Requirements
  • Manulife Travel Health Insurance: Specialized Packages for Students, Traveling Canadians
  • TD Travel Health Insurance: Up to $5 Million Medical Coverage for Added Security

Our top 5 travel health insurance plans for 2024

Caa travel health insurance canada: unmatched 24/7 virtual emergency medical assistance.

With over 115 years of experience, CAA has been a trusted source for Canadians' safety, mobility, and protection. They are known to advocate for road safety, offer diverse services like Roadside Assistance, and CAA travel health insurance , and serve over two million Members in South Central Ontario and Manitoba.

CAA provides both Single Trip and Multi-Trip Annual travel medical insurance with coverage of up to $5 million for medical repatriation, medical and dental emergencies and Covid-19-related medical care . There is also a single-trip medical Canada plan to protect you while traveling across the country.

Let’s look at some of the pros and cons of their policies overall.

Pros of CAA travel health insurance

  • Multiple vacation packages ranging from a single trip to multi-trip travels
  • CAA health insurance travel coverage up to $100,000
  • 24/7 virtual emergency medical assistance is available
  • Access to a vast network of healthcare providers

Cons of CAA travel health insurance

  • Medical Questionnaire required for travelers above 60 years of age
  • Coverage might include limitations with a maximum of 4-30 days per trip

RBC Travel Health Insurance Canada: Direct Payment of Emergency Bills for Ultimate Convenience

As the insurance arm of Royal Bank of Canada (RBC), one of the world's largest banks, RBC provides diverse solutions, serving individuals, businesses, and groups in areas like life, home, auto, RBC travel health insurance , and more.

RBC offers a range of travel medical insurance plans to suit various needs. The Classic Medical Plan provides unlimited emergency medical coverage, direct payment of medical bills, and 24/7 global assistance for travelers aged 0-64, with no health questions and coverage for stable pre-existing conditions .

The TravelCare Medical Plan caters to travelers aged 65 and up, with similar benefits but a few health questions required, and coverage for pre-existing conditions based on the TravelCare category. There is also the 4-Day Getaway Multi-Trip Annual Medical Plan for unlimited short trips for travelers aged 0-74 , with no medical questions and coverage for stable pre-existing conditions.

Here are its pros and cons.

  • Essential coverage options for all ages, between 0-74
  • Direct payment of emergency bills
  • Family plan pricing is available
  • Various plans including coverage for pre-existing conditions
  • A maximum limit of $20,000 may be imposed without a valid government health coverage plan for the entire trip
  • Direct billing does not guarantee that all medical expenses will be covered

Blue Cross Travel Health Insurance Canada: Limited Pre-Existing Condition Requirements

Blue Cross Travel Health Insurance offers comprehensive coverage and support for your well-being while traveling. With a focus on medical emergencies, hospital stays, and essential medical services , Blue Cross ensures you're protected no matter where your journey takes you.

This coverage includes protection for situations like injuries or illnesses during your trip. It also provides benefits for medical repatriation, paramedical services ($400), hospital allowance, emergency dental treatment ($2,000) , and pain relief due to dental issues, ensuring you have financial protection for unexpected health-related incidents while traveling.

  • Free for kids medical insurance available
  • Provides $10 Million travel insurance coverage with only a 7-day pre-existing condition stability requirement.
  • Option to save an extra 10% as a member
  • May not cover conditions when medications have been changed
  • Potential limitations in coverage based on the destination of travel

Manulife Travel Health Insurance Canada: Specialized Packages for Students, Traveling Canadians

Manulife Travel Health Insurance serves as a prominent global financial services conglomerate, facilitating simplified decision-making and improved lifestyles for individuals. Operating under the name John Hancock in the U.S. and as Manulife internationally, the company offers a spectrum of financial guidance, insurance, wealth, and asset management solutions catering to individuals, groups, and institutions.

Manulife travel medical insurance also offers travel Emergency medical insurance for COVID-19 and related complications covered up to $5,000,000 if you are fully vaccinated for COVID-19 by a Health Canada-approved vaccine or for up to $1,000,000 for non-vaccinated policyholders.

  • Packages available specific to students, traveling Canadians, and visitors to Canada
  • Coverage of pre-existing conditions
  • Up to $10 million in emergency medical benefits
  • Medical questionnaire for those aged 60+
  • If you are unable to call before seeking treatment you pay 20% of the expense out of pocket

You can now get a quote from Manulife Travel health insurance right here.

TD Travel Health Insurance Canada: Up to $5 Million Medical Coverage for Added Security

TD Insurance, a part of TD Bank Group, operates in the general insurance and life and health insurance sectors. They're a major player in home, auto, and critical illness insurance, ranking among the top groups in Canada. Their expertise extends to affinity marketing, collaborating with groups to offer insurance to members.

TD travel health Insurance is committed to transparently informing customers about compensation for licensed representatives through a disclosure document. Under its plans, it provides 24*7 medical assistance worldwide and up to $5,000,000 coverage in medical emergencies including physician's bills, diagnostic services, ambulance services, medical appliances, and even emergency return home.

Let's take a look at its pros and cons.

  • Complimentary travel medical coverage for dependent child(ren) when two adults are covered under select family plans
  • Medical coverage up $5 million on eligible costs
  • Bedside companion benefit
  • Fees (physiotherapy, chiropractic, etc.)
  • Care for accidental dental injuries
  • Fewer coverage options for single trips
  • Limited to a maximum trip duration of up to 30 days

What is travel health insurance?

Travel health insurance or travel medical insurance covers medical expenses when you are outside your province or abroad. Your universal health insurance (provincial coverage like Ontario Health Insurance Plan or MSP in BC) may not fully cover accidents or illnesses that occur while traveling, leaving you responsible for potentially high medical bills.

Travel medical insurance is therefore designed to fill this gap and help you avoid unexpected financial burdens due to healthcare costs while traveling.

What is the difference between travel insurance and health insurance?

Travel insurance primarily covers trip-related issues like trip cancellation, luggage loss, and travel delays, safeguarding your travel investment and plans. In contrast, health insurance focuses on covering medical expenses within your home country (or province), ensuring access to healthcare services.

Travel health insurance, a subset of travel insurance, specifically addresses medical emergencies while traveling abroad, including unexpected illnesses, hospitalization, and medical evacuation. It is crucial for international travel to ensure you have financial support and access to medical care during your trip. To ensure comprehensive coverage, it's advisable to have both travel insurance and travel health insurance especially when planning overseas trips.

What does travel health insurance cover?

Travel Health Insurance typically covers:

  • Emergency Medical Treatment : Coverage for unexpected illness or injury requiring medical attention while traveling.
  • Hospitalization : Expenses related to hospital stays, surgeries, and medical procedures.
  • Medical Evacuation : Costs of transporting you to a medical facility if local facilities are inadequate.
  • Prescription Medications : Reimbursement for necessary medications prescribed during your trip.
  • Emergency Dental Care : Coverage for urgent dental treatments due to unforeseen accidents.
  • Repatriation : Arrangements and expenses for returning your remains to your home country in case of death.
  • Trip Interruption : Reimbursement for non-refundable trip costs if you need to return home due to covered reasons.
  • Lost Luggage : Coverage for lost, stolen, or damaged luggage and personal belongings.
  • Trip Cancellation : Reimbursement for canceled trips due to covered reasons.
  • Travel Assistance : Access to a 24/7 helpline for travel-related emergencies and information.

It's important to carefully review the specific policy details carefully, as coverage can vary between insurance providers and plans. If you'd like to explore the best travel health insurance options in Canada, you can do it right here using our comparator below. Compare multiple coverage and insurance companies and get tailor-made quotes in a few moments.

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How much is travel health insurance ?

When considering the monthly premiums for your policy, several key factors come into play.

  • Age : Younger travelers often pay lower premiums than older individuals.
  • Duration of Travel : Longer trips may lead to higher insurance costs.
  • Destination : Coverage costs can vary based on the country or region you're traveling to.
  • Coverage Limits : Plans with higher coverage limits may come with higher premiums.
  • Pre-existing Conditions : Coverage for pre-existing medical conditions can impact costs.

On average, premiums can range from a few dollars per day to more significant amounts for comprehensive coverage. However, it will also depend on your provider and your preferences.

So, how much does travel health insurance cost? The table below shows the premiums for different destinations to help you better understand the charges.

The costs mentioned are for more comprehensive packages while basic ones would be available for less than $100. Please note that these are just estimates, and actual travel insurance costs can vary widely based on the traveler's age, destination, travel duration, and pre-existing medical conditions . It is therefore essential to obtain a personalized quote to get an accurate cost estimate for your specific travel situation.

You don't have to look further to get quotes. Use our comparator tool below to compare coverages from the best providers and get free personalized travel health insurance quotes in no time.

Compare the best travel insurance plans on the market!

How does travel health insurance work?

When you purchase travel health insurance, you're essentially buying a policy that provides financial protection against unforeseen medical expenses while traveling abroad. In case of a covered medical emergency, you can contact your insurance provider's 24/7 emergency assistance line for guidance on seeking medical care.

It is advisable to have your policy details and emergency contact information easily accessible during your trip.

Do you need health insurance for other Canadian provinces?

When traveling to another province in Canada, your government health insurance plan like the Ontario Health Insurance Plan or MSP in BC might not cover all medical expenses. While the Canada Health Act mandates coverage for emergency care within different provinces, each province has its own time limits for coverage.

In most cases, medical bills are directly sent to your home province, except for Quebec, where visitors may need to pay upfront and seek reimbursement. This is why it might be a good idea to get your private plan before you travel.

Do you need travel health insurance USA plans from Canada?

Travel health insurance from Canada to the USA is strongly recommended for several crucial reasons . Firstly, Canada's healthcare coverage does not extend to the United States, where healthcare costs are notoriously high. Without insurance, you could be left with exorbitant medical bills if you fall ill or have an accident while visiting.

Additionally, in emergencies, you might require costly medical evacuation, which travel health insurance can cover, particularly given that natural catastrophes like floods, cyclones, and wildfires are becoming far too common.

How to get travel health insurance?

  • Research and Compare: Begin by researching reputable providers and comparing their policies. You can do this right here using the HelloSafe comparator.
  • Select Your Coverage: Determine the type of coverage you need based on factors like your destination, trip duration, and specific requirements. Choose a policy that aligns with your travel plans, whether it's a single trip, multi-trip, or long-term policy.
  • Apply and Provide Information: Fill out the insurance application form, providing accurate information about yourself, your trip details, and any pre-existing medical conditions if required. Be thorough in your disclosure to ensure your coverage is valid.
  • Purchase Your Policy: Once your application is approved, pay the premium for your chosen policy. You'll receive a confirmation and policy documents, which you should keep with you during your travels for reference in case of emergencies.

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

Travel Medical Insurance

Emergency medical treatment can cost thousands.

Protect yourself with unlimited coverage for eligible emergency medical expenses Disclaimer 1 and 24/7 assistance.

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Essential coverage for canadians, classic medical plan.

Single Trip: Ages 0-64 Multi-Trip: Ages 0-64

For travellers who need emergency medical coverage for trips outside their home province or territory.

  • Unlimited emergency medical Disclaimer 1
  • Direct payment of emergency medical bills Disclaimer 3
  • 24-hour worldwide emergency medical assistance
  • No deductible payment required

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  • No health questions required
  • Stable Opens in new window pre-existing medical conditions are covered Disclaimer 2
  • Single trip and multi-trip annual plan options Opens in new window
  • 9-, 16-, 30- and 60-day trip duration options available for multi-trip annual plans (call for 30- and 60-day options)
  • Family plan pricing available

Policy Documents:

For complete coverage details, limitations and exclusions, see:

  • Classic Medical (Single Trip) Opens PDF in new window
  • Classic Medical (Multi-Trip Annual) Opens PDF in new window

TravelCare ® Medical Plan

Single Trip: Ages 65+ Multi-Trip: Ages 65+

For travellers age 65 and up who need emergency medical coverage for trips outside their home province or territory.

  • A few health questions are required
  • Stable Opens in new window pre-existing conditions may be covered depending on the TravelCare Category Opens in new window for which you qualify
  • TravelCare Medical (Single Trip) Opens PDF in new window
  • TravelCare Medical (Multi-Trip Annual) Opens PDF in new window

4-Day Getaway Multi-Trip Annual Medical Plan

For travellers who want the ability to take unlimited quick trips outside their home province or territory in the next year for one low price.

  • No medical questions and no health exam
  • Stable Opens in new window pre-existing conditions are covered
  • Family plan pricing available (to age 59)
  • 4-Day Getaway Multi-Trip Annual Medical Plan Opens PDF in new window

Make sure you have the right travel insurance—get an online quote or talk to a licensed insurance advisor.

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Travel medical insurance

Key takeaways.

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

What is travel medical insurance?

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

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

That’s where travel medical insurance comes in.

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

When do you need travel medical insurance?

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

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

What do government health plans cover?

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

Travelling within Canada

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

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

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

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

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

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

Travelling outside of Canada

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

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

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

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

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

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

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

What does travel medical insurance cover?

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

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

What doesn’t travel medical insurance cover?

Again, it varies but these are pretty standard exclusions:

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

How do you get travel medical insurance?

There are a few different ways to get travel insurance:

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

What kinds of travel insurance can you get?

Annual or multi-trip medical insurance.

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

Single trip travel medical insurance

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

What's next?

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

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Why it can be important to have travel insurance.

Travelling can be expensive enough on its own, but a medical emergency could cost you much more. It’s also important to note that your credit card might not include travel insurance or may have limited coverage. Whether you’re planning a trip for yourself or your entire family, TD Insurance Travel Insurance can help provide protection from certain unexpected events.

Explore TD Insurance Travel Insurance Plans

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TD Insurance Multi-Trip All-Inclusive Plan

This is the most comprehensive plan we offer. It provides you with multiple benefits, including up to $5 million in emergency travel medical coverage, trip cancellation and interruption and more, for multiple covered trips up to the maximum trip duration selected within one year. 1

  Sample Insurance Policy - Multi-Trip All-Inclusive Plan

travel insurance canada medical

TD Insurance Single-Trip Medical Plan

This plan provides up to $5 million in emergency travel medical insurance coverage for one trip. 2

  Sample Insurance Policy - Single-Trip Medical Plan

travel insurance canada medical

TD Insurance Multi-Trip Medical Plan

If you travel often, then this multi-trip plan could be more cost-effective than buying a single-trip plan each time. This plan provides you with up to $5 million in emergency travel medical coverage for each covered trip up to the maximum trip duration selected within one year. 3

  Sample Insurance Policy - Multi-Trip Medical Plan

travel insurance canada medical

TD Insurance Trip Cancellation & Interruption Plan

This plan could be right for you if you do not need emergency medical coverage but want financial protection for eligible non-medical expenses like your trip being cancelled or interrupted due to a covered event. 4

  Sample Insurance Policy - Trip Cancellation & Interruption Plan

Compare plans

Please refer to the Sample Policy for defined terms and a full description of features, benefits, limitations and exclusions.

Ready to choose a plan?

Why choose td insurance travel insurance.

  • Up to $5 million in emergency travel medical coverage Feel good about your next trip with medical coverage up to $5 million on eligible costs.
  • 24/7 emergency assistance by phone worldwide Call our administrator anytime if you have an emergency during your trip.
  • Travel medical coverage for dependent child(ren) included with two paying travellers On select plans that have the family coverage 5,6  option, your dependent child(ren)’s travel medical coverage is included at no additional charge.
  • Convenient online quotes and claims servicing Available 24/7 when submitted online.

How to apply online

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Get a quote in minutes

No obligation to purchase.

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Decide whether you want to purchase

After reviewing the details, you can proceed to purchase.

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Pay and submit

Review and confirm your purchase.

Submit a travel insurance claim

Start the claims process by visiting our  Online Claims Portal.

Let’s connect

Our administrator is ready to answer your questions and help you on your way.

  • For 24/7 emergency assistance:  1-833-962-1140  (Canada and the U.S., toll free) or + 1-519-988-7629  (worldwide, collect).
  • For quotes, to purchase a policy or any general inquiries:  1-833-962-1143 . Mon-Fri 8am to 8pm ET Saturday 9am to 5pm ET
  • For claims:  1-833-962-1140 .

Check your TD credit card travel insurance benefits.

Are you an existing TD Credit Cardholder and dreaming of future travels? Learn about what travel insurance benefits are available on your TD credit card with our Credit Card Travel Insurance Verification Tool.

Information for Quebec Residents – TD and MBNA Credit Card Product Summaries

Below are the Travel Insurance Summaries and Credit Card Insurance Summaries for TD and MBNA credit cards. These summaries provide an overview of the features and benefits of the insurance coverages included with TD and MBNA credit cards.

TD Personal Credit Cards:

  • TD Cash Back Visa Infinite *  Card Travel Insurance Summary      Credit Card Insurance Summary
  • TD Cash Back Visa *  Card Credit Card Insurance Summary
  • TD® Aeroplan® Visa Infinite *  Card Travel Insurance Summary      Credit Card Insurance Summary
  • TD® Aeroplan® Visa Platinum *  Card Travel Insurance Summary      Credit Card Insurance Summary
  • TD® Aeroplan® Visa Infinite *  Privilege Card Travel Insurance Summary      Credit Card Insurance Summary
  • TD First Class Travel® Visa Infinite *  Card Travel Insurance Summary      Credit Card Insurance Summary
  • TD Platinum Travel Visa *  Card Travel Insurance Summary      Credit Card Insurance Summary
  • TD Rewards Visa *  Card Credit Card Insurance Summary
  • TD Emerald Flex Rate Visa *  Card Credit Card Insurance Summary
  • TD U.S. Dollar Visa *  Card Travel Insurance Summary      Credit Card Insurance Summary
  • TD Low Rate Visa Card Credit Card Insurance Summary

TD Business Credit Cards:

  • TD Business Travel Visa *  Card Travel Insurance Summary      Credit Card Insurance Summary
  • TD Business Cash Back Visa *  Card Credit Card Insurance Summary
  • TD Business Select Rate TM  Visa *  Card Credit Card Insurance Summary
  • TD® Aeroplan® Visa Business Credit Card Travel Insurance Summary      Credit Card Insurance Summary

MBNA Credit Cards:

  • MBNA Gold Mastercard® Travel Insurance Summary      Credit Card Insurance Summary
  • MBNA Platinum Plus or True Line Mastercard® Credit Card Insurance Summary
  • MBNA Rewards Platinum Plus® Mastercard® Credit Card Insurance Summary
  • MBNA Rewards World Elite® Mastercard® Travel Insurance Summary      Credit Card Insurance Summary
  • MBNA World Elite® Mastercard® Travel Insurance Summary      Credit Card Insurance Summary
  • MBNA World Mastercard® Travel Insurance Summary      Credit Card Insurance Summary
  • MBNA Platinum Plus® Mastercard® Travel Insurance Summary      Credit Card Insurance Summary

Other Products and Services You May Want To Consider For Your Trip

TD offers banking solutions, credit cards and competitive exchange rates for your travel needs. Explore our products to learn how TD can enhance your trip.

TD Travel Credit Cards

Earn travel reward points on everyday purchases to redeem for flights, hotels and more.

Foreign Exchange Services

We have over 50 foreign currencies available at competitive rates.

Cross Border Banking

Canadian-based U.S. dollar products with TD Canada Trust can help you avoid foreign exchange fees by allowing you to save and spend in U.S. dollars.

TD Insurance Travel Insurance plans (TD Insurance Multi-Trip All-Inclusive Plan, TD Insurance Single-Trip Medical Plan, TD Insurance Multi-Trip Medical Plan and TD Insurance Trip Cancellation & Interruption Plan) are individual insurance plans administered by Global Excel Management Inc. and its subsidiary, CanAm Insurance Services (2018) Ltd. TD Insurance Multi-Trip All-Inclusive Plan and TD Insurance Trip Cancellation & Interruption Plan are underwritten by TD Life Insurance Company (medical covered causes) and TD Home and Auto Insurance Company (non-medical covered causes). TD Insurance Single-Trip Medical Plan and TD Insurance Multi-Trip Medical Plan are underwritten by TD Life Insurance Company. Medical and claims assistance, claims payment and administrative services are provided by the administrator described in the insurance policies. Coverages and benefits are subject to eligibility conditions, limitations, and exclusions, including pre-existing medical condition exclusions. Please refer to the policy for full details. 1. The TD Insurance Multi-Trip All-Inclusive Plan will provide coverage for each covered trip taken within 1 year up to the maximum trip duration you selected when the policy was purchased. If the oldest person on the insurance policy is 15 days old to 59 years old, the maximum trip duration is 60 consecutive days. If you are 60 years and older, the available maximum trip durations are 22 or 30 consecutive days. Coverage may be subject to conditions, exclusions, and limitations. Refer to your Policy of Insurance for full details of coverage for the TD Insurance Multi-Trip All-Inclusive Plan. 2.Coverage may be subject to conditions, exclusions and limitations. Answering a Medical Questionnaire is required for those 60 years of age or older to determine eligibility for the TD Insurance Single-Trip Medical Plan. Refer to your Policy of Insurance for full details of coverage. 3. The TD Insurance Multi-Trip Medical Plan will provide emergency travel medical coverage for each covered trip taken within 1 year up to the maximum trip duration you selected when the policy was purchased. If the oldest person on the insurance policy is 15 days old to 79 years old, the available maximum trip durations are 4, 9, 16 or 30 consecutive days. If you are 80 years and older, the available maximum trip durations are 4, 9 or 16 consecutive days. Coverage may be subject to conditions, exclusions and limitations. Answering a Medical Questionnaire is required for those 60 years of age or older to determine eligibility for the TD Insurance Multi-Trip Medical Plan. Refer to your Policy of Insurance for full details of coverage. 4.Coverage may be subject to conditions, exclusions and limitations. Refer to your Policy of Insurance for full details of coverage for the TD Insurance Trip Cancellation & Interruption Plan. 5. The TD Insurance Multi-Trip All-Inclusive Plan has family coverage and provides coverage for you, your Spouse and unmarried Dependent Child(ren) if you name them in your application. Spouse means the person to whom you are legally married to; or the person you have lived for at least 1 year and publicly refers to as your domestic partner Dependent Child(ren) means your natural, adopted, or step-children who are: a) unmarried; and b) dependent on you for financial maintenance and support; and i. under 22 years of age, or ii. under 26 years of age and attending an institution of higher learning, full-time, in Canada; or iii. mentally or physically handicapped. All insured persons may travel independently of one another. All covered travellers must be a Canadian resident and be covered by the government health insurance plan of your Canadian province or territory of residence for the entire duration of your trip and at the time you incur a claim. If any of the travellers do not meet these criteria, that traveller will need to complete a separate application for their own policy. Up to 6 travellers including yourself are permitted to be under a policy through our online application. To purchase additional coverage for groups of more than 6 people, please call our administrator at  1-833-962-1143 . 6. Family Coverage is available on the TD Insurance Single-Trip Medical Plan and the TD Insurance Multi-Trip Medical Plan for you, your Spouse and unmarried Dependent Child(ren) if you name them in your application. Spouse means the person to whom you are legally married to; or the person you have lived for at least 1 year and publicly refers to as your domestic partner. Dependent Child(ren) means your natural, adopted, or step-children who are: c) unmarried; and d) dependent on you for financial maintenance and support; and i. under 22 years of age, or ii. under 26 years of age and attending an institution of higher learning, full-time, in Canada; or iii. mentally or physically handicapped. Your Dependent Child(ren) must be travelling with you or your spouse. All covered travellers must be a Canadian resident and be covered by the government health insurance plan of your Canadian province or territory of residence for the entire duration of your trip. Family Coverage is not available when a medical questionnaire is required for any of the travellers. If any of the travellers do not meet these criteria, that traveller will need to complete a separate application for their own policy. Up to 6 travellers including yourself are permitted to be under a policy through our online application. To purchase additional coverage for groups of more than 6 people, please call our administrator at  1-833-962-1143 . Mailing Address: TD Life Insurance Company P.O. Box 1 TD Centre Toronto, Ontario M5K 1A2 TD Home and Auto Insurance Company P.O. Box 1 TD Centre Toronto, Ontario M5K 1A2

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Manulife CoverMe ® Travel Insurance for Travelling Canadians

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

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

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

Manulife travel plans for travelling Canadians

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

Emergency medical plans

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

Single-Trip Emergency Medical

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

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

Single-Trip TravelEase TM

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

  • Medical underwriting required to cover pre-existing medical conditions

COVID-19 Pandemic Plan

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

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

Download a comparison chart for medical plans (opens PDF)

Non-medical plans

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

Trip Cancellation and Trip Interruption

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

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

Non-Medical All-Inclusive

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

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

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

All-inclusive plans

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

Single-Trip All-Inclusive

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

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

Youth All-Inclusive

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

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

Youth Deluxe All-Inclusive

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

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

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

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

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

Multi-Trip Emergency Medical

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

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

Multi-Trip TravelEase TM

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

Multi-Trip All-Inclusive

Comprehensive protection that covers emergency medical and unexpected travel expenses.

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

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

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

Emergency Medical Top-up

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

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

Why Manulife?

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

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

Ready to buy?

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

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

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

Need assistance?

Want to talk through your options.

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

Submit a travel claim

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

Explore other travel insurance products

Travel insurance for students.

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

Travel Insurance for Visitors to Canada

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

travel insurance canada medical

Top Travel Insurances for Canada You Should Know in 2024

Byron Mühlberg, writer at Monito.com

Byron Mühlberg

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

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

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

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

Canada Insurance Profile

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

Best Travel Insurances for Canada

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

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

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

Do I Need Travel Insurance for Canada?

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

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

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

VisitorsCoverage: Best Medical Coverage

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

Get a quote 🡪

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

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

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

Insured Nomads: Best Trip Coverage

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

Get a quote 🡪

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

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

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

SafetyWing: Best Combination For Youth

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

Get a quote 🡪

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

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

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

How Do They Compare?

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

Data correct as of 4/1/2024

FAQ About Travel Insurance to Canada

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

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

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

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

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

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

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

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

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

See Our Other Travel Insurance Guides

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  • Travel Insurance
  • Travel Medical Insurance

travel insurance canada medical

Travelling out of province or the country? Make sure you’re protected.

CIBC Travel Medical Insurance

  • Out-of-province and out-of-country coverage
  • Access to 24/7 emergency travel assistance

CIBC Travel Medical Insurance is underwritten by Co-operators Life Insurance Company.

Plan options

Choose a plan suited to your needs, coverage highlights.

Up to $10 million of travel coverage that you can rely on 4

Medical and dental

  • Provides coverage  for eligible hospital and physician's bills, expenses resulting from an accidental injury, or new sickness or disease 5
  • Paramedical services,  including those of a chiropractor, chiropodist, or physiotherapist, up to $500 if required as a result of a covered emergency
  • Dental treatment  for up to $4,000 coverage as a result of an eligible direct accidental blow to the mouth

Transportation

  • Costs for return home or to the nearest appropriate medical facility by regular flight, medically escorted flight, air ambulance or ground ambulance
  • Return home  for dependent children or travelling companion who are insured and travelling with you
  • A round trip  economy airfare by the most direct route for the transportation of a relative to your bedside if you’re hospitalized as a result of a critical emergency

Convenience and comfort

  • Meals and accommodation   expenses up to $300 per day to a total of $1,000 when your trip is delayed beyond the scheduled return date because of a medical emergency or death
  • Coverage extension  for up to 72 hours if your trip is delayed beyond your coverage end date because of a medical emergency or other covered event
  • Trip Break  allows you to return to your province or territory of residence once without terminating your coverage

For a detailed summary of benefits, eligibility conditions, limitations and exclusions, review the sample Certificate of Insurance  (CIBC Comprehensive Travel Insurance Plan) (PDF, 475 KB) Opens in a new window.

Pre-Existing Conditions Exclusion 5

Your Pre-existing Conditions Exclusion will be indicated on your confirmation of coverage. If you complete a medical questionnaire, your answers to the questions will determine the Pre-existing Conditions Exclusion that applies to you.

If you're age 59 or under

The insurance will not pay for losses or expenses incurred for, or as the result of:

  • your medical condition that was not stable 90 days before your effective date; or
  • any heart condition if you have used nitroglycerine in any form for a heart condition 90 days before your effective date; or
  • any lung respiratory condition if you have an active prescription for or used home oxygen or prednisone for a lung/respiratory condition 90 days before your effective date; or
  • an unrepaired aneurysm (4 cm or greater, measured in either length or diameter) that was diagnosed before the effective date; or
  • any cancer (other than basal or squamous cell skin cancer or breast cancer treated only with hormone therapy) for which you received treatment 90 days before your effective date.

If you are age 60 or over

  • your medical condition that was not stable during the number of days indicated on your confirmation of coverage (either 90 or 180 days) before the effective date; or
  • any treatment you received before the effective date.
  • Travelling against the advice of a physician or a condition that was diagnosed as terminal prior to your effective date of coverage.
  • Any medical consultation that is non-emergency or elective.
  • Any sickness or injury that occurs in an area for which Global Affairs Canada issued a written warning prior to the effective date to avoid all travel, or to avoid non-essential travel, and the sickness or injury is caused by the reason(s) for the warning being issued.

The above is a summary only. There are other limitations and exclusions. For details regarding all limitations and exclusions, refer to the sample Certificate of Insurance (CIBC Comprehensive Travel Insurance Plan) (PDF, 475 KB) Opens in a new window. . In particular, refer to the sections entitled "Specific Conditions and Limits On Coverage” and "Specific Exclusions."

Travel Insurance sample quotes

Affordable travel coverage that goes wherever you go, spring break — some sun and fun in cancun.

Any time you leave your province or territory, make sure you're covered for unexpected medical emergencies.  1

""

Did you know:  With the Multi Trip Annual Plan, coverage is valid for one year for trips outside of your province or territory, including a weekend getaway to Las Vegas or a last-minute shopping spree across the border. 1,2

Traveller profile: Single

Home province: Nova Scotia

Trip duration: 15 days

Sample quotes:

  • Single Trip Plan Cost:  $51.15*
  • Multi Trip Annual Plan Cost:  $86.29*

Family trip to the Maritimes

Whether by car, plane, or train, you're covered from the moment you leave your home province or territory.

""

Did you know:  With the Multi Trip Annual Plan, coverage for a family is valid for one year for trips outside your province or territory of residence. 1,2

Traveller profile: Family – parents with two children

Ages:  39, 37, 6 and 4

Home province:  British Columbia

Trip duration:  7 days

  • Per Trip Plan Cost:  $47.74*
  • Multi Trip Annual Plan (8 days) Cost:  $114.56*

* Sample quote is based on stated parameters and is for illustration purposes only. Your actual cost will depend on your information. Price quoted doesn’t include applicable taxes.

Ways to buy

Getting travel insurance may be the easiest part of your trip

Who is eligible?

You're eligible for CIBC Travel Insurance coverage if:

  • You’re a CIBC customer;
  • You are a resident of Canada who is covered by a Canadian Government or Provincial/Territorial Health Insurance Plan for the entire insured trip.

If you’re aged 60 or over, you’ll be asked some questions about your medical history to determine your eligibility for coverage and the applicable premium rate and pre-existing condition limitations and exclusions.

Get your quote in minutes 3

Get a quote by calling us.

To get a quote and apply now, call a licensed insurance agent at 1-800-281-9109 Opens your phone app. .

If you’re aged 60 or over, you’ll be asked some health history questions to determine your eligibility for coverage and the applicable premium rate and pre-existing condition limitations and exclusions.

Right to Examine

Please review your Certificate of Insurance when you receive it to ensure it meets your needs. You have 10 days after purchase to return your Certificate for a full refund, provided you have not departed on your trip and a claim has not been incurred. 

Travel Assistance

With cibc travel insurance, you're more than covered.

Call Allianz Global Assistance in the event of an emergency for help in your time of need.

  • Emergency translation services  provided in most major languages
  • Escort and transportation home  for your dependent children can be arranged
  • Messages to your family can be made to inform them of your status

Allianz Global Assistance is also your  starting point for claims.

Note: If you pay any expenses yourself, you must obtain original itemized receipts.

For pre-travel considerations to help maximize your travel enjoyment, review these  Travel Tips .

Our partners

CIBC earns compensation from the insurer for the promotion of CIBC Travel Insurance plans.

Distributing firm

CIBC Travel Insurance is administered by Allianz Global Assistance, which is a registered business name of AZGA Service Canada Inc. Allianz Global Assistance provides CIBC travel assistance and claims services in respect of all insurance coverage under CIBC Travel Insurance plans.

AZGA Insurance Agency Canada Ltd. operating as Allianz Global Assistance

700 Jamieson Parkway Cambridge, Ontario N3C 4N6 519-742-2800 Opens your phone app.

The insurers

CIBC Travel Insurance plans are underwritten by Co-operators Life Insurance Company, which covers accident and sickness benefits, and The Sovereign General Insurance Company, which covers property and casualty benefits.

Co-operators Life Insurance Company

1920 College Avenue Regina, Saskatchewan S4P 1C4 1-800-454-8061 Opens your phone app.

The Sovereign General Insurance Company

140 – 6700 Macleod Trail South East Calgary, Alberta T2H 0L3 1-800-510-0354 Opens your phone app.

More information about CIBC Insurance

Licensed sectors.

CIBC Travel Insurance is licensed to sell damage insurance (broker) and insurance of person.

Registration number

CIBC is registered with the Autorité des marches financiers (AMF) under 600575. Verify CIBC on AMF’s site Opens in a new window.

Are we not meeting all of your expectations? Follow Allianz’s complaint process Opens in a new window.

Terms and conditions

CIBC Travel Insurance is subject to eligibility conditions, limitations and exclusions, including pre-existing medical condition exclusions, which are contained in the Certificate of Insurance you receive following enrolment. Before applying, you can review a sample copy of the current  Certificate of Insurance (CIBC Comprehensive Travel Insurance Plan) (PDF, 365 KB) Opens in a new window. . You can also call CIBC Travel Insurance at 1-800-281-9109 Opens your phone app. . Coverage will be voidable if you fail to disclose or misrepresent any material fact or circumstance affecting coverage.

The above descriptions of insurance and assistance services are general descriptions only and don’t constitute legal or insurance advice. In all cases, you should speak to an insurance advisor before acting.

1  The maximum duration of an insured trip including any extensions or top-ups cannot exceed your provincial or territorial maximum. For more information, contact your provincial or territorial health authority or visit their website.

2  Before your Multi Trip Annual Plan expiry date, you’ll be contacted by mail or email. If you select to be automatically re-enrolled at time of application, you’ll be notified of the premium amount for the new 12-month term, and your premium will be charged to the credit card that you provide when you first apply for coverage. If you don’t authorize automatic renewal of your Multi Trip Annual Plan, then you’ll be notified by mail or email that you’ll need to re-enroll if you want to maintain coverage.

3  CIBC Travel Medical Insurance is available by phoning Allianz Global Assistance at Opens your phone app. Opens a new window in your browser. 1-800-281-9109 Opens your phone app. . Or you can visit CIBC Travel Insurance .

4  Certain benefits are subject to maximum coverage limits specified in the Certificate of Insurance. CIBC Travel Medical Insurance is subject to a maximum aggregate coverage limit of $10 million per insured traveller per insured trip.

5  A pre-existing medical condition or symptom means a sickness, injury or medical condition, whether or not diagnosed by a physician, for which you had symptoms, or required or received medical attention, consultation or treatment, and which existed before your departure date or the effective date of your coverage.

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Please note: Multilanguage sites do not provide full access to all content on CIBC.com. The full CIBC website is available in English and French.

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Travel insurance for individuals Per Trip Plan

What’s important about this plan.

The “Per Trip” plan is offered to persons of at least 3 months old and provides coverage up to $5,000,000 in the event of a medical emergency happening while on a trip outside of your province or territory of residence.

  • Coverage begins on your departure date and ends on your return date.
  • This plan can also complement (or “top up” as we say in the industry) coverage you already have through another insurer, such as a credit card or group plan, if you need additional days.

Does this plan meet your needs?

Occasional traveller

  • Travelling alone, with another person, or as a family Trip of 183/212 days maximum (depending on your home province or territory)
  • Looking to purchase travel medical insurance

* Certain conditions and age limits may apply. Please see the policy for full details.

Is this plan for you?

Your insurance company is the best I have ever dealt with!

What else do you need to know?

Coverage up to $5,000,000.

All of our medical protections provide coverage up to $5,000,000 in the event of a medical emergency while on your trip. This is more than enough to cover the medical costs of most emergencies. Benefits include hospitalization, diagnostic fees, repatriation if deemed necessary by the emergency assistance team, etc.

Eligibility and medical questionnaire

Eligibility conditions apply, and vary according to your age and the selected plan. Applicants of 60 years old and more, travelling for more than 15 days, must answer a medical questionnaire.

Complementing existing insurance (“top up”)

If you have travel insurance through another insurer, such as a credit card or group insurance, it probably offers coverage for a limited number of days. If you plan to travel for longer, you will need to complement your coverage so that your entire trip is covered. Check with your current insurer if they allow you to purchase a top up from us, and speak with your representative for a quote!

Complimentary Emergency Medical Assistance

All of our protections include services from  Tour+Med Assistance , our emergency assistance team. They are available 24/7, from anywhere in the world.

FAQs from travellers just like you

Do you cover pre-existing medical conditions.

Depending on your age and the length of your trip, you could be required to answer a medical questionnaire. Your premium will be based on your answers, combined with other factors. Pre-existing medical conditions are covered if they meet the definition of “Stable and Controlled” in the policy. (If a condition is not “Stable and Controlled”, ask about our  Reduced Stability Period option .)

Can I get a refund if my trip is cancelled or if I come back earlier than planned?

Yes. Your premium can be fully reimbursed if the policy is cancelled prior to your departure date (for a Per Trip plan) or prior to the effective date (for a Multi-Trip Annual plan). If you come back earlier than planned and have a Per Trip plan, you could get a refund for the unused days of your coverage. Conditions apply. See section “Premium Refunds” in the policy for details.

Discover our other plans and protections

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Travel insurance for individuals Multi-Trip Annual Plan

A multi-trip annual plan could also be called a “many trips within a year” plan, since it allows you to make as many trips of 8, 15 or 30 days and less as you want in a given year (depending on the option that you will choose).

travel insurance canada medical

Per Trip or Multi-Trip Annual Plans Plans for Families

Sold either as a “Per Trip” or “Multi-Trip Annual” Plan, our family protection covers up to 2 adults and 4 children on the same policy.

travel insurance canada medical

Other protections Trip Cancellation & Interruption, Baggage, Accidental Death & Dismemberment

Protect your non-refundable deposits and reservations. Ask about our coverage in case of lost, stolen, damaged or delayed baggage and personal effects.

Get a quote

Contact your broker, get a quote online or speak with one of our sales representatives.

(Some of the options may not be available on our online quoting tool. Speak with your representative if necessary.)

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819-377-3587

Emergency medical assistance

A bilingual team available 24 / 7 anywhere around the world!

E.U. and Canada:

1 844 820-6588

1 888 820-6588

1 819 377-2241

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Comprehensive travel insurance plans

Emergency medical travel insurance plans.

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

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

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

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

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

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Why buy an emergency medical plan option?

Medical emergencies can happen to anyone while travelling, regardless of age, destination or the length of your trip. Emergency medical insurance includes up to $10 million CAD in coverage for treatment of eligible unexpected medical emergencies, ambulance and emergency transportation services, dental emergencies, pet return, transportation of a family member of friend to your bedside and more.

Right to cancel:  If you are not satisfied with your policy, you may cancel it within 10 days of purchase as long as you have not left on your trip and have not experienced an event that would cause you to submit a claim, before you have left on your trip.

Tip:  If the "Total Trip Cost" field is left empty, trip cancellation benefits will be excluded from the quoted product options.

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Annual emergency medical travel insurance plans

travel insurance canada medical

By Lisa Jackson

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Best travel insurance in Canada

Day Of Victory Studio / Shutterstock

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

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

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

Best for thrill seekers: World Nomads

Designed for adrenaline lovers with wanderlust, World Nomads insures a long list of adventure sports, activities and volunteer or 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 including weather reports and travel advisories, assistance locating the nearest trail and finding a gear shop.

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

Best for families: CAA Travel Insurance

A long-trusted Canadian institution, CAA travel Insurance offers flexible travel plans to suit every type of traveller and vacation, but its policies are particularly great for families. The 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 kennelling.

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

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

Best for seniors and retirees: Blue Cross

Blue Cross has been around for more than 70 years, and 1 in 4 Canadians utilize its travel insurance. The company'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 Flight Delay Service, a free perk that provides a range of benefits if including exclusive coupons for access to lounges or hotels (depending on the length of the delay). Pre-existing conditions are generally not covered.

Best for budget travellers: Travel CUTS Bon Voyage Insurance

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

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

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

Manulife CoverMe offers highly comprehensive Canadian travel insurance packages and You access to the TravelAid mobile app, which provides directions to the nearest medical facility and local emergency telephone numbers.

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

Best for emergency medical assistance: Medipac Travel Insurance

Medipac is one of the only travel insurance companies out there that is staffed by their own team of trained medical professionals, via its Medipac Assistance hotline. The company'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 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, the company also offers personalized, underwritten insurance policies to help you meet your needs.

Medipac provides coverage for up to $5 million USD, including COVID-19, in addition to its other benefits. Additionally, most new clients may be able to save 3-5% in their first year with the company's Claim-free Advantage discount.

Best for frequent travellers: Allianz Travel Insurance

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

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

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

Will my provincial insurance be valid overseas?

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

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

Will my provincial insurance work in another province/territory?

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

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

Additionally, 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 $1 million as a 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, as well as 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 money 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.

Conditions Apply. Visit here for the Scotiabank Gold American Express® Card to learn more. *See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information.

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 your 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. Avio n

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

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Travel insurance

Travel insurance for Canada

Mandy Sleight

Alyce Meserve

Alyce Meserve

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

Heidi Gollub

Heidi Gollub

Updated 7:29 p.m. UTC June 17, 2024

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

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

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

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

Understanding travel insurance for Canada 

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

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

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

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

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

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

Key coverage considerations for travel insurance in Canada 

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

Trip cancellation insurance  

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

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

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

Delays in your Canada trip  

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

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

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

Tackling trip interruption  

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

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

Dealing with lost bags and belongings  

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

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

Making plans for medical bills in Canada

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

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

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

Even if you’re up-to-date on your COVID-19 vaccines, you might still want to consider a travel insurance plan that covers COVID-related medical treatment.

Evacuation for serious medical issues   

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

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

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

What is the cost of Canada travel insurance? 

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

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

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

Key benefits of having travel insurance for your Canada trip  

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

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

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

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

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

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

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

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

Other insurance considerations for Canada 

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

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

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

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

Travel insurance for Canada FAQs

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

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

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

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

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

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

Mandy Sleight

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

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

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

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

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

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

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

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

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

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

What kind of travel insurance plan do I need?

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

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

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

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

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

Read the fine print and check your credit card insurance

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

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

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

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

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

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

What snowbirds need to know

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

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

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

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

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

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

Download the Yahoo Finance app, available for Apple and Android .

Canadians Gilles Dupont, left, and Monique Dupont sit in the sun, Tuesday, Jan. 24, 2006, in Dania Beach, Fla. Temperatures at the Dupont's home in Valley Field, a small town southwest of Montreal, were in the low-30s midday Tuesday. "We miss it a lot," joked Gilles Dupont, laughing. The couple lives in a Lauderdale Lakes, Fla. condominium during their southern stay. (AP Photo/The Miami Herald, Marsha Halper) ** NO SALES MAGS OUT **

Us To Canada Travel: What To Know

  • Last updated Jul 08, 2024
  • Difficulty Beginner

Elani Piper

  • Category Travel

what to know traveling from us to canada

Planning a trip to Canada? Here's what you need to know.

Firstly, you'll need to ensure you have the correct documentation. If you're a US citizen, you can enter Canada by providing a valid passport, birth certificate, certificate of citizenship or naturalization, a US Permanent Resident Card, or a Certificate of Indian Status along with photo identification. If you're a permanent US resident, you'll need to carry proof of your status, such as a US Permanent Resident Card, in addition to your passport.

If you're a member of the NEXUS program, you can use your membership card as proof of identification and citizenship when entering Canada by land, air or water. FAST members can use their membership card as identification when entering by land or water. If you're a member of either NEXUS or FAST and are a permanent US resident, you'll need your passport and proof of permanent residence, as well as your membership card.

US citizens are exempt from the requirement to obtain a visitor's visa but will need to provide an Electronic Travel Authorization (eTA) before travelling.

Canada has strict laws concerning child pornography, and there have been increased random checks of electronic devices at the border. Canadian officials may search your electronic devices without a warrant, and illegal content can result in the seizure of your device, detention, arrest, and prosecution.

If you have a criminal record, you may be refused entry to Canada. If you have a DUI/DWI conviction, you may be granted a Temporary Resident Permit at the discretion of the Immigration Officer, depending on how long ago the offence occurred and the nature of the offence.

When crossing the border, you may experience delays and congestion, particularly during peak tourism season and at busy crossings such as the Ambassador Bridge connecting Detroit and Windsor. Keep your documents ready, turn off any music, and roll down your windows. Be prepared to answer questions about your visit and allow border officers to check the contents of your bags and trunk.

In terms of what you can bring into the country, you can bring certain goods for personal use, including clothing, camping and sports equipment, cameras, and personal computers. You must declare all goods upon arrival, and any food, plant and animal products. You are allowed to bring in specific amounts of alcohol and tobacco duty-free. Firearms and weapons must be declared at the port of entry.

Canada ended its COVID-19 travel restrictions in October 2022, and proof of vaccination or test results are no longer required. However, the Canadian government advises against travelling if you have COVID-19 symptoms.

US health insurance does not cover medical treatments in Canada, so you may want to obtain medical insurance before your trip.

Have a great trip to Canada!

What You'll Learn

Identification and entry requirements, transport options, health and insurance, border crossing by car, alcohol and tobacco allowances.

quartzmountain

Entering Canada

All visitors to Canada are required to present appropriate identification, passports, and documentation. The specific requirements depend on the visitor's citizenship and mode of transportation.

  • Visa-exempt foreign nationals flying to or transiting through Canada are expected to have an Electronic Travel Authorization (eTA).
  • U.S. citizens travelling by air to Canada must present a valid passport or a NEXUS card, which can be used at self-serve kiosks at designated airports.

By Land or Water:

  • Canadian citizens aged 16 and older must present a Trusted Traveler Program card, an enhanced driver's license (EDL), or an enhanced identification card (EIC) from a province or territory with an approved EDL/EIC program.
  • Canadian citizens aged 15 and under need an original or copy of a birth certificate or an original Canadian citizenship certificate.

Other Requirements:

  • All persons entering Canada must provide proof of citizenship and identity. A valid U.S. passport, passport card, or NEXUS card satisfies these requirements for U.S. citizens.
  • Citizens of other countries need proof of citizenship and identity from their country.
  • Children under 16 only need proof of U.S. citizenship.

Entering the United States

When returning to the U.S. from Canada, similar identification and entry requirements apply. Here are the key points:

U.S. citizens must present a U.S. passport book or other approved identification documents, such as a NEXUS card.

  • Recent changes in U.S. law require individuals to present a passport when entering the U.S. from Canada by car unless they have other appropriate documentation.
  • The Western Hemisphere Travel Initiative (WHTI) outlines specific requirements for documents, including Trusted Traveler's Cards, state-issued enhanced driver's licenses, and U.S. military IDs.
  • Canadian citizens are generally exempt from visa requirements when entering the U.S. by land and typically do not need a visa for stays of up to six months.
  • Dual citizens of Canada and the U.S. may have different entry/exit requirements and should carry both passports to facilitate their entry and return.
  • U.S. citizens returning from Canada no longer need to provide a negative COVID-19 test. However, non-citizens may still need to show proof of vaccination to fly to the U.S. from Canada.

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There are several transport options for travelling from the US to Canada. The most suitable option depends on your mode of transport preference, budget, and time constraints. Here are some options for travelling between the two countries:

Flying is the quickest way to travel between the US and Canada. Several airlines offer direct flights connecting major cities in both countries, such as Seattle, Boston, Vancouver, Toronto, and Montreal. The flight time can be as short as 55 minutes for certain routes, and the average flight time is around 2 hours.

Taking a bus is the cheapest option for travelling between the US and Canada. Greyhound offers bus services between the two countries, with the journey typically taking around 10 to 11 hours. When travelling by bus, you will need to carry proper identification documents, such as a valid passport, and you may need to present proof of vaccination or pre-testing.

Train Travel

Train travel is another option for those looking to travel between the US and Canada without flying. VIA Rail operates train services connecting New York and Toronto, with the journey taking approximately 13 to 14 hours. This option provides a balance between cost and travel time compared to flying and bus travel.

If you prefer to drive, you can also travel by car between the US and Canada. The driving distance between the two countries is approximately 475 miles. When driving, it is important to carry the necessary documentation, such as proof of auto insurance and vehicle registration. Additionally, be aware of the traffic laws and speed limits posted in kilometres per hour.

Other Options

For those looking for alternative options, there are also night bus and boat travel possibilities between the US and Canada. When travelling by boat, operators of small pleasure vessels must report their arrival to US Customs and Border Protection for inspection.

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When travelling from the US to Canada, it is important to consider your health and insurance. Here are some key points to keep in mind:

Canada has a high standard of public health and sanitation, and adequate health facilities are available throughout the country. However, access to ongoing medical care can be difficult for temporary visitors who are not members of a Canadian province's government-run health care plan. Many physicians will not take new patients, and specialist care can take months to obtain. Trauma care is on par with that in the US, but emergency room waits for non-life-threatening issues can be very long. Some healthcare professionals in Quebec may only speak French, so it is beneficial to learn some key phrases or have a translation app on hand.

It is recommended to consult a healthcare professional or visit a travel health clinic before your trip to Canada to get personalized advice and ensure your routine vaccinations are up to date. Some recommended vaccinations include measles, mumps, rubella (MMR), diphtheria, tetanus, pertussis, polio, varicella (chickenpox), influenza, and others. Additionally, be aware of the risk of insect-borne diseases such as Zika and dengue in certain areas of the US.

While travel insurance is not required to enter Canada, it is highly recommended. Your US health insurance plan will not be accepted in Canada unless it specifically provides global coverage, and American Medicare is not accepted. Therefore, it is crucial to purchase travel medical insurance to cover any unexpected medical expenses during your trip. This is especially important if you plan to participate in winter sports or other adventure activities, as injuries are common.

When choosing a travel insurance policy, look for coverage that includes trip cancellation, trip interruption, trip delay, medical expenses, medical evacuation, and baggage loss or delay. If you plan to drive in Canada, ensure your policy includes rental car collision damage coverage. Additionally, consider adding a medical evacuation upgrade to your policy, as emergency medical transport to a suitable hospital could be required, especially in remote areas.

In summary, when travelling from the US to Canada, be sure to prioritize your health and safety by consulting healthcare professionals, staying up to date with vaccinations, and purchasing comprehensive travel insurance that covers medical expenses and emergency assistance.

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When crossing the border from the US to Canada by car, there are several things you should know and prepare in advance. Firstly, it is important to carry the correct documentation. If you are a US citizen over the age of 16, you will need a passport, a passport card, or an enhanced driver's license (only issued by certain states) to enter Canada. It is also worth noting that if you are travelling by air, a passport is required regardless of age. As of March 15, 2016, visa-exempt foreign nationals who fly to or transit through Canada will need an Electronic Travel Authorization (eTA). Exceptions to this include US citizens and travellers with a valid visa.

In addition to the above, you may be deemed inadmissible and not allowed to enter Canada by the Border Services Officer for several reasons. These include involvement in criminal activity (which may include impaired driving convictions), human rights violations, and organized crime, to name a few.

It is also important to be aware of the current entry requirements to Canada. As of October 1, 2022, travellers no longer need to submit public health information through the ArriveCAN app or website, nor do they need to provide proof of vaccination or undergo pre- or on-arrival COVID-19 testing. However, individuals are reminded not to travel if they have symptoms of COVID-19 and to inform a flight attendant or border services officer upon arrival if they become sick during their journey.

When it comes to crossing the border by car, it is recommended that you contact the Canadian Border Services Agency for specific questions or concerns. You can also visit the Niagara Falls Bridge Commission's website for detailed information to make crossing easier and to get hourly updates on border wait times.

Finally, it is worth noting that about 30 million visitors cross the border into Canada every year, with an additional 18 million visitors arriving by boat or airplane.

Americans Abroad: Who's Traveling?

When travelling from the US to Canada, alcohol allowances vary depending on how long you've been away from Canada. If you've been away for 48 hours or more, you can bring in the following amounts of alcohol duty- and tax-free:

  • Up to 1.5 litres of wine
  • Up to 53 fluid ounces (1.14 litres) of liquor
  • Two 750 ml bottles of wine
  • Up to 40 fluid ounces of liquor
  • Up to 24 cans or bottles (355 ml each) of beer or ale

If you've been away for less than 48 hours, you can bring in 1 litre of alcohol (spirits, wine, and beer) duty- and tax-free.

Regarding tobacco, if you've been away from Canada for 48 hours or more, you can bring in the following amounts duty- and tax-free:

  • 200 cigarettes (1 carton)
  • 50 cigars or cigarillos
  • 200 tobacco sticks
  • 200 grams of manufactured tobacco

If you've been away for less than 48 hours, you can bring in the following amounts duty- and tax-free:

  • 50 cigarettes
  • 150 ml of alcoholic beverages

Please note that you must be 18 years of age or older to bring tobacco products into Canada under your personal exemption, and the minimum age to bring in alcohol varies by province or territory.

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Frequently asked questions.

US citizens need to carry proof of citizenship such as a passport, birth certificate, a certificate of citizenship or naturalization, a US Permanent Resident Card, or a Certificate of Indian Status along with photo identification. Children under 16 only need proof of US citizenship, but it is recommended to also have additional identification with their picture on it, such as a school ID card.

US citizens are exempt from needing a visa to enter Canada. Instead, you will need to provide an Electronic Travel Authorization (eTA) which you can apply for before you travel.

The restrictions on which food items you can bring into Canada vary depending on the product. You must declare all food products you bring into Canada, even those that are allowed to enter. Generally, do not bring wild game products such as venison, as all meat requires product identification labelling and must be USDA-approved.

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  • Elani Piper Author Editor Reviewer

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How to Find the Best Credit Card for Travel Insurance

By Royal Bank of Canada

A view from the side of an airplane

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Published July 11, 2024 • 17 Min Read

Table of Contents

How does credit card travel insurance work.

When to use travel insurance?

How to make the most of your credit card travel insurance

What to consider when looking for the best Credit Card for Travel Insurance for You

Types of travel insurance included with credit cards

What are the advantages of credit card travel insurance, how to apply for a credit card with travel insurance.

Frequently asked questions about credit card travel insurance

Many credit cards offer the convenience of embedded travel insurance, meaning you can leave the task of buying additional insurance off your to-do list and potentially save money. However, between the different coverages and features, choosing the travel insurance credit card that’s right for you may be challenging.

To help you choose the card for you, here’s information on how travel insurance on credit cards works, how to make the most of your travel insurance, and the different types available to Canadians.

Most travel rewards cards offer travel insurance as a benefit. Unlike other forms of travel insurance, credit card travel insurance is included in the card’s annual fee, so you don’t have to purchase it separately before a trip.

Travel insurance on credit cards may cover anything from emergency medical treatment to trip cancellations, and some cards may include more types of travel coverage than others. Typically, to be eligible for coverage, purchases like flights, hotel stays, and car rentals must be paid for with your credit card in full.

In most cases, you won’t need to do anything else to activate the travel insurance on your credit card. However, read your credit card’s certificate of insurance. The certificate explains your insurance coverage in detail. It will help you understand the types of travel insurance included, when coverage begins and ends, the number of days you’re covered for, the maximum coverage amounts, and any limitations and exclusions.

The travel insurance included with your credit card is an easy and convenient way to help protect yourself when you travel. However, you might do a few things to help get the most out of your benefits.

Read the fine print

The most important thing to do — even before you book your trip — is to read your credit card’s certificate of insurance. You’ll get this certificate when you get your credit card. You can usually find a link to it on your credit card provider’s website.

Make sure you understand all the requirements, limitations, and exclusions of your credit card travel insurance so you don’t face any unpleasant or costly surprises later. If you still have questions, call the phone number on the card to speak with an agent.

Save all the receipts from your trip

It’s good practice to save the receipts for all the major purchases related to your trip, such as flights, hotels, tour packages, and car rentals. But remember, credit card travel coverage only applies to purchases made with your credit card. Also, if you experience a medical emergency during your trip, keep all the original bills, invoices, and receipts, as you will need them to make a claim.

Keep your insurance documents handy

You don’t want to be scrambling to find your travel insurance during an emergency. Keep a copy of your certificate of insurance and any other relevant documents in a handy location, such as the inner pocket of your carry-on luggage. You can also email a copy to yourself and save it as a file on your mobile phone.

Tip:  If you have an RBC credit card with travel insurance, you can find a PDF version of your card’s certificate of insurance on the  Credit Card Documentation page .

Save the contact information of the insurance provider

Before you leave for your trip, make sure you know how to contact your insurance provider. Your insurance provider will let you know what to do to ensure you are covered. You’ll find the insurance provider’s phone number on your certificate of insurance. You may also want to save the number to your phone.

Understand how to make a claim

It’s important you understand how to make a claim before you leave for your trip, as you don’t want to discover you’re missing essential documents if you need them. Your certificate of insurance will outline all the steps for making a claim for each type of coverage (emergency medical, delayed baggage, auto rental collision, etc.).

Register your travel plans with the government of Canada

Though not directly related to travel insurance, if you’re a Canadian citizen traveling abroad, you may want to  register your plans with the Canadian government . This free service allows the government to send you important notifications in case of an emergency at your destination.

Registering on the website can help make it easier for the government to contact you if you need help returning to Canada. It also allows the government to notify you of a personal emergency at home.

What to consider when looking for the best credit card for travel insurance for you

Before comparing  credit cards with travel insurance , here are a few basic things to look out for so you can quickly narrow down your list.

Types of travel insurance coverage

Most travel credit cards include multiple types of travel insurance, such as emergency medical insurance, trip cancellation insurance, baggage insurance and car rental insurance. You’ll find more details on that below.

The types of coverage included can vary between cards, and some credit cards may also offer additional coverage, like travel insurance for people aged 65+ or hotel burglary insurance. Make sure the credit card you choose has suitable coverage for the traveling you plan to do.

Coverage amounts

The amounts of coverage can vary between credit cards. For example, one card may offer $1,000 in trip cancellation coverage per trip, while another may offer $1,500. Try to find a card that offers good value in terms of insurance coverage amounts.

Coverage duration

The time you’re covered may also differ between credit cards, so if you compare similar offerings, you may want to go with the card offering a longer coverage period. For example, one card may offer emergency medical coverage for eight days of travel, while another may offer similar coverage for 15 days. In some cases, you may be able to purchase additional coverage to extend your coverage beyond the original term.

Age restrictions

Some travel insurance credit cards limit coverage based on age. Most commonly, coverage conditions will be different for seniors. For example, some credit cards may not offer medical travel insurance for people over 65 or may offer coverage for a shorter duration than for people younger than 65.

Covered persons

Some credit cards may cover only the cardholder, while others may also cover a spouse and/or dependent children under 21, within certain limits. Additional cardholders (people other than the primary cardholder who have been approved to use the credit card) are also covered by some cards, but their spouses and dependent children under 21 may not be covered. Some cards also cover traveling companions who are not spouses or children. If you regularly travel with others, you may want to see if they can benefit from your travel coverage.

Credit card requirements

Credit cards, including travel credit cards, have basic requirements, such as being the age of majority in your province or having a good credit score. Some credit cards have additional requirements, like a minimum personal or household income. Before you apply for a travel credit card, check to see if you meet its requirements.

Annual fees

Credit cards with travel insurance typically come with an annual fee. Those with a higher annual fee tend to offer more comprehensive coverage — additional types of travel insurance, higher coverage amounts, or extended coverage periods. However, a card with a lower annual fee may provide just the right coverage for your needs. Consider the extent of coverage you want when comparing cards.

When comparing credit cards with travel insurance, you’ll want to check which types of insurance they include. Below is a list of the most common types of travel insurance and what they cover.

Travel medical insurance

Travel medical insurance can help cover the costs for unexpected health issues you may have on your trip — especially those requiring emergency treatment. When you’re experiencing a stressful situation, the last thing you’ll want to worry about is the cost of your medical bills.

Typical expenses covered under medical insurance include :

Emergency medical care for an injury or a sudden illness (like a broken leg or appendicitis)

Medical evacuation (to Canada or to the nearest place that can provide appropriate medical care)

Medical equipment such as crutches, a wheelchair, braces, canes, walkers, etc.

Prescription medications (excluding medications for pre-existing medical conditions)

Diagnostic procedures such as X-rays, lab tests (like bloodwork), and scans (like ultrasounds)

Ground, air, or sea ambulance services

Hospital accommodation, including expenses related to your stay, such as meals

Outpatient services at a hospital

Private nurse services while at a hospital

Emergency dental care for pain relief or an accidental injury

Repatriation in case of death — including the preparation and transportation of the remains, cremation or burial outside Canada, and a round trip for the person legally required to identify your remains

Travel medical insurance for seniors

Medical insurance for seniors will cover similar expenses to those above, but most credit cards don’t provide medical insurance for people aged 65 and above. If they do, they may provide limited coverage. For example, coverage will be for a shorter period than for younger people or have a higher deductible. Some credit cards also have additional limitations for those aged 75 and above.

If you’re a senior citizen planning to travel, choose a travel credit card that provides medical insurance for seniors and look closely at the coverage details.

For example, some cards provide medical insurance for cardholders aged 65 and above , but only the first 3 to 7 consecutive days of the trip are covered. Review the certificate of insurance carefully before you leave for your trip. In some cases, you may want to purchase additional coverage to extend your coverage period.

Trip cancellation/interruption insurance

Sometimes, due to unforeseen circumstances, you may need to cancel your trip before you leave or return home earlier than you planned. For example, you may experience a sudden illness or a death in the family or be notified of a severe storm in your destination.

Trip cancellation insurance covers some of the expenses you’ve already paid for your trip, including non-refundable expenses like flight tickets or organized tours. This type of insurance is important as it allows more flexibility with your plans and could help you save hundreds or even thousands of dollars.

Flight delay insurance

This covers any expenses you may incur because your flight is delayed, such as extra nights at a hotel and meal expenses. For specific coverage details, review your certificate of insurance before your trip. Most credit cards require a minimum of four hours’ delay before providing coverage.

Delayed/lost baggage insurance

Suppose something happens to your baggage during the trip (a delay or damage on the way to your destination, for example). In that case, this insurance reimburses you for necessary purchases such as clothes and toiletries. Typically, this coverage only applies to checked baggage.

Common carrier travel accident insurance

This type of insurance provides coverage in case of an accident that results in a disability or loss of life while traveling on a common carrier. A common carrier usually refers to an air, land, or water vehicle that provides regularly scheduled passenger services. Reimbursement is typically a lump sum paid to the covered person. Make sure to review your certificate of insurance for details.

Auto rental collision/loss damage insurance

If you typically rent a car on your trips, you’ll want to ensure your credit card includes this type of insurance. It protects you if your rental car gets damaged or stolen during a trip and covers repair costs. However, remember that auto rental insurance only covers damage to the vehicle—it does not cover any bodily injuries resulting from an accident.

Also, this insurance has limitations. For example, you won’t be covered if the damage to the car was caused by a dangerous activity like driving under the influence or speeding. In addition, auto rental insurance may exclude damage to parts like mirrors and tires.

Another thing to keep in mind is that not all rental cars are covered by this insurance — only those with an MSRP (manufacturer’s suggested retail price) under a specific value determined by the insurer. If you’re concerned about this when renting a car, check that its MSRP isn’t above the one specified in your certificate of insurance.

Roadside assistance insurance

If you plan to travel by car during your trip, roadside assistance insurance covers the costs of services required if your vehicle experiences a mechanical failure or requires a battery jump-start, towing, or replacing a flat tire. Note that the travel insurance provided on most credit cards doesn’t include roadside assistance; however, you may be able to purchase it as an add-on service.

Hotel/motel burglary insurance

This insurance reimburses you for any personal items stolen from your room while staying at a hotel or motel. It’s meant to cover any expenses required to repair or replace damaged or lost items.

Mobile device insurance

Mobile device insurance is typically not included with travel insurance, but some cards may include it as part of their coverage. It may come in handy at any time, especially when traveling and relying on your phone to stay connected. It provides coverage in case your mobile device is lost, stolen, has a mechanical failure or is damaged by accident.

The main advantage of credit card travel insurance is that it can give you peace of mind. You know you’re covered if you experience a medical emergency, such as an injury, or an inconvenience like losing your baggage. In some cases, travel insurance may save you significant money, which you would have had to pay for medical bills or purchasing replacement items.

Credit card travel insurance also has some unique advantages over other types of insurance:

It comes at no extra cost

It doesn’t require additional work, such as researching insurance providers

Travel credit cards often come with perks such as travel points, premium airport benefits like lounge access, and welcome offers

As with any insurance, it’s important to understand the coverage provided. If you plan to use it for a trip, read the certificate of insurance thoroughly to understand what it covers.

How do I know if my credit card has travel insurance?

Check your cardholder benefits guide to determine if your credit card provides travel protection. You can also visit the card provider’s website or call their customer service number to find out. Most credit cards with travel insurance have the customer service number on the back of the card.

Do all credit cards have travel insurance?

Not all credit cards have travel insurance. Travel credit cards usually include some travel insurance. Coverage types and limits vary between travel cards, with higher-tier credit cards usually offering more comprehensive travel insurance.

Is credit card travel insurance enough?

It depends. Before you go on a trip, think about your coverage needs and see if you meet the requirements for the travel insurance provided with your card. In addition, some credit cards only offer certain types of travel insurance. For example, they may include flight delay insurance but not emergency medical insurance. Read your card’s certificate of insurance carefully to understand what you’re covered for.

Sometimes, your credit card travel insurance may be sufficient for your needs, for example, if you’re going on a short leisure trip. However, some travelers, like snowbirds who travel abroad for long periods or travelers who plan on doing extreme sports on their trip, may require more comprehensive travel insurance than what credit cards offer.

Tip : If you have an RBC credit card, you can check the type of coverage your card includes on the Card Coverage page . RBC clients also have the option to purchase additional coverage through RBC Travel Insurance , which provides various coverage options for different types of travel.

Does credit card travel insurance cover all passengers?

Only sometimes. You will need to check your certificate of insurance to see who is covered. In some cases, only the cardholder will be covered, while in other cases, their spouse, dependent children, and/or traveling companions who are not family will be covered, within limits. Authorized users of the card may also be covered.

Do I have to buy travel insurance before booking?

No, you don’t have to buy travel insurance before booking. If you’re buying additional coverage, you can buy it any time before you leave for your trip, but it’s advisable to buy it as soon as you make the booking because it could help if you need to cancel your travel plans.

If you plan on using your credit card’s travel insurance, you don’t need to buy it as it’s included in your card’s annual fee. You just need to read the policy thoroughly, make sure you’re eligible for coverage, and ensure that it meets your needs.

What travel purchases does my credit card travel insurance cover?

Generally, your credit card travel insurance will cover travel purchases made with your card in part or full. For example, if you need to make a flight cancellation claim, the flight must have been purchased with the card that has travel insurance. Read your certificate of insurance to confirm which travel purchases your card covers.

Does credit card travel insurance require that I charge all travel purchases to my credit card to get coverage?

Most of the insurance types included with your credit card require you to use your card to pay for travel-related purchases to be eligible for coverage. However, a few types, such as travel medical insurance and road assistance insurance, don’t have that requirement. To fully understand what the travel insurance on your credit covers, read your certificate of insurance thoroughly.

In Canada, you can apply for a credit card with travel insurance online, by phone, or by visiting a bank branch. As with any credit card, you must be the age of majority in your province or territory to apply and a resident of Canada. Most credit cards also require a good credit score and a minimum individual or household income.

RBC offers a wide variety of credit cards with travel insurance. All those cards come with additional features and benefits, such as travel rewards, savings opportunities, and optional add-on services. If you’re interested in applying for one of RBC’s travel credit cards, follow these steps:

Choose which card you want to apply for. You can view all RBC travel credit cards and compare the ones you’re interested in by checking the “Compare” box below each card, or you can use the credit card selector .

When you’ve decided on a card, click on the Apply Now button to start your application online.

You can also call 1-800-769-2512 to speak to an RBC Advisor or book an appointment .

Things our lawyers want you to know Things our lawyers want you to know

This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.

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Home » Loyalty Lesson » Loyalty Lesson: Be aware of this condition with National Bank of Canada and Desjardins out of province emergency travel medical insurance coverage

medical insurance

Loyalty Lesson: Be aware of this condition with National Bank of Canada and Desjardins out of province emergency travel medical insurance coverage

Many of Canada’s top credit cards offer out of province emergency travel medical insurance coverage and for some Canadians, it is actually the number one determining factor in choosing a credit card. Despite differences in the amount of coverage, age brackets of coverage and length of coverage, most of the credit emergency travel medical insurance policies generally read the same and operate in a similar manner to one another.

Recommended reading: RWRDS Canada’s Guide to Credit Card Emergency Medical Insurance Coverage

However, there are some that do not, most notably credit cards issued by National Bank of Canada, Desjardins and Collabria.  These cards have a potentially impactful condition in place for trips that exceed the maximum number of days covered for their out of province emergency travel medical insurance.  (Thanks to Kemila who brought this to our attention as she has the National Bank of Canada World Elite Mastercard)

What is the condition to be aware of?

What is this condition you may ask? It is a term that states the cardholder will not receive ANY out of province emergency travel medical coverage if the trip is longer than the coverage provided.

National Bank’s insurance certificate states “If the length of the trip exceeds the maximum number of days, no coverage is offered for that trip.”

travel insurance canada medical

So this means if you have a trip that exceeds the number of days included, you will not be covered at all for the entire trip. And based on the term “the length of the trip cannot exceed the following maximum number of days” it does not appear National Bank provides any option to buy extended coverage.

Likewise with Desjardins they state: “If you’re going to be away for more than the number of days indicated, you have to ask us to extend your coverage. Otherwise, you won’t be covered at all for your trip”

travel insurance canada medical

At least Desjardins and as such Collabria credit cards which have insurance provided by Desjardins, allow cardholders to extend their coverage.

So why is this significant? Most other cards in Canada will cover you for the specified duration even if your trip exceeds that. Have 31 days of coverage and travel for 33? You simply won’t have coverage for the two days beyond the coverage period unless you choose to purchase additional coverage.

Examples of other card policies

Here are some examples of other card’s policies:

Here’s the policy stipulation on the CIBC Aeroplan Visa Infinite Card :

Except in the circumstances when coverage is automatically extended (see below “When does your coverage automatically extend?”), you do not have coverage under this certificate for any days of your trip that extend beyond the coverage period. However, you may purchase additional coverage for the excess portion of your trip by calling CIBC Travel Medical Insurance at 1 800 281-9109.

travel insurance canada medical

The American Express Gold Rewards Card :

You will be covered for the first: 15 consecutive days of a trip, including the date you leave on your trip and the date you return from your trip.

travel insurance canada medical

And the Scotiabank Passport Visa Infinite Card :

Only the first 25 consecutive days of a Trip are covered under Travel Emergency Medical Insurance, as determined by the originally scheduled departure and return dates. There is no coverage for that portion of a Trip which extends beyond the first 25 consecutive days.

travel insurance canada medical

As you can see from these small examples you will be covered by these card’s insurance for the specified duration even if your trip extends beyond the said amount of days. And this is the case with the majority of cards in Canada that provide this coverage.

Is it really a big deal?

For most people, not really. Given the length of coverage provided by National Bank and Desjardins of up to 60 days, the majority of people should be fine but nonetheless it is good to know about this rule should you be taking longer trips.

However, with the National Bank of Canada World Elite Mastercard heralded as one of the better options for the 65+ age bracket, it is really critical to know about this rule as the coverage for those 65 to 75 is only 15 days. This is the case of RWRDS Canada reader Kemila as she has the NBC World Elite Mastercard and is over 65. With the coverage only being 15 days and no ability to top it off/extend it, she is on the hunt for a card that will provide coverage for the first 15 days regardless of the length of the trip – and provide her the option to top it up (looks like Desjardins may actually be the way go since it can be extended)

Wrapping it up

This is our second loyalty lesson to delve into the world of credit card insurance. And while this one isn’t as convoluted of a topic as seen in our lesson on Desjardrins’ age restrictions on baggage insurance , it is still noteworthy.  With the majority of card issuers providing this insurance for their published number of covered days regardless the length of trip, it is an oddity that National Bank, Desjardins and Collabria don’t do so and it is good for the holders of these cards to know of this restriction on out of province emergency travel medical insurance coverage.

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    International medical insurance, travel health insurance, sometimes referred to as travel medical insurance, is designed to cover unexpected medical and related costs due to a medical emergency. ... Visitors to Canada insurance is helpful no matter what your reason for travel, which may include visiting, working, studying, or returning to ...

  6. Compare Travel Medical Insurance Plans & Quotes

    The plan provides 365 days of coverage within Canada and 4, 8, 15, 30, or 60 days per trip outside Canada - as many times as you want throughout the year. The Single Trip plan is great for a one-time trip, up to one-year long (365 days). For More Plan Options, including top-up insurance plans and family plans, call AMA Travel at 1-866-989-6595.

  7. Buy Travel Insurance

    To get the plan best suited to your needs, you can get a quote and apply online or by calling 1-877-268-3763. Have your travel dates, contact information, health information, and credit card or bank information on hand.

  8. The Best Travel Insurance in Canada

    Since public healthcare in Canada is provided at a provincial or territorial level, it's still a good idea to purchase travel insurance when taking a domestic trip. Your public health insurance will provide some form of medical coverage out-of-province, but you may still face additional expenses - including bills for ambulance rides ...

  9. Travel medical insurance

    What is travel medical insurance? When you travel outside of province or outside of Canada, the health insurance coverage you rely on when you're at home (whether government or individual) may not cover you for accident or illness - and if you are covered, the amount may be much smaller. This means that if you get hurt or become ill while ...

  10. TD Insurance Travel Insurance Plans for Canadians

    This plan provides up to $5 million in emergency travel medical insurance coverage for one trip. 2. TD Insurance Single-Trip Medical Plan Get Started ... For 24/7 emergency assistance: 1-833-962-1140 (Canada and the U.S., toll free) or +1-519-988-7629 (worldwide, collect).

  11. Quote and apply for Travel Insurance for Canadians

    As a top travel insurance provider, all our plans for travelling Canadians come with the following benefits: Access to Manulife's Travel Assistance 24/7 - 365 days a year - wherever you are in the world. Full refund for medical plans before your effective date if you change your mind. 50% off when you travel within Canada for select plans.

  12. Travel Insurance for Canada: Our Best Options in 2024

    VisitorsCoverage: Best Medical Coverage. Among the internet's best-known insurance platforms, VisitorsCoverage is a pioneering Silicon Valley insurtech company that offers comprehensive medical coverage for travellers going abroad to Canada. It lets you choose between various plans tailored to meet the specific needs of your trip to Canada, including coverage for medical emergencies, trip ...

  13. Why Travel Medical Insurance Is Essential

    Travel medical insurance pays "reasonable and customary" charges for bills such as: Ambulance service. Doctor bills. Hospital and operating room charges. X-rays, examinations, treatments, lab ...

  14. Travel Medical Insurance

    Before applying, you can review a sample copy of the current Certificate of Insurance (CIBC Comprehensive Travel Insurance Plan) (PDF, 365 KB). You can also call CIBC Travel Insurance at 1-800-281-9109. Coverage will be voidable if you fail to disclose or misrepresent any material fact or circumstance affecting coverage.

  15. Single trip medical travel insurance for individuals

    anywhere around the world! E.U. and Canada: 1 844 820-6588. Elsewhere: 001 888 820-6588. Collect: 001 819 377-2241. Check out our travel insurance plans for individuals and don't take chances on your next single trip. Reliable and for all ages.

  16. Emergency medical travel insurance

    Travel health insurance for Canadians travelling abroad or out-of-province. Get a quote online or call Allianz Global Assistance at 1-844-310-1578. Benefit from a 24/7 worldwide travel assistance and the largest medical network in the world.

  17. Best Travel Insurance in Canada for 2024

    Starting at only $1.36 a day, Travel CUTS Bon Voyage Insurance offers very affordable travel insurance packages. Yes, it's geared toward students (e.g., you can swap your travel dates at no ...

  18. Travel Insurance For Canada

    While travel insurance isn't a requirement to enter Canada, it may be worth buying for the benefits, like medical insurance, trip cancellation and baggage coverage.

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

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

  20. What's the best travel insurance for Canadians?

    With a presence in over 75 countries across the globe, other perks include a 24/7 call line, an in-house medical team to assist travellers with coverage for out-of-country medical benefits, and travel insurance coverage packages for visitors to Canada. Allianz Canada offers a TripWise travel insurance app for added assistance on-the-go.

  21. MEDOC® Travel Insurance

    Travel insurance that really soars. If your group is a Johnson sponsored group, there's one more great benefit—flexible, affordable travel insurance. MEDOC® Travel Insurance is available to members of our sponsored affinity groups at a special member rate. Find out if you're a Johnson group member & get insured today! Get Travel Insurance.

  22. 12 Best Travel Insurance Companies Of July 2024

    Buy Travel Medical Insurance for International Trips. ... Toronto, Canada. Toronto's score: 13.6 out of 100. Best travel safety rating from the State Department (level 1, exercise normal ...

  23. Ask the Expert: What you need to know about travel insurance ...

    A 2022 survey from insurance software firm Ancileo found about 68 per cent of Canadians planned to buy travel insurance, while Baby Boomers (73 per cent) were most likely to purchase travel insurance.

  24. Us To Canada Travel: What To Know

    Canada ended its COVID-19 travel restrictions in October 2022, and proof of vaccination or test results are no longer required. However, the Canadian government advises against travelling if you have COVID-19 symptoms. US health insurance does not cover medical treatments in Canada, so you may want to obtain medical insurance before your trip.

  25. PDF Business Travel Accident and Group Emergency Medical Insurance Summary

    Emergency Medical Travel Coverage Endorsement Summary The information below summarizes your Emergency Medical Travel Insurance coverage. It contains important information with respect to certain eligibility and benefit limits that apply to your coverage, but it does not reference all of the terms, conditions, limitations, and exclusions.

  26. Best Travel Medical Insurance Of 2024

    Editors' Take. We recommend checking out the Travel Medical Basic USA plan if you value having urgent care and emergency room care covered at 100% over coverage for pre-existing conditions ...

  27. How to Find the Best Credit Card for Travel Insurance

    Travel medical insurance. Travel medical insurance can help cover the costs for unexpected health issues you may have on your trip — especially those requiring emergency treatment. When you're experiencing a stressful situation, the last thing you'll want to worry about is the cost of your medical bills. Typical expenses covered under ...

  28. Loyalty Lesson: Be aware of this condition with National Bank of Canada

    Despite differences in the amount of coverage, age brackets of coverage and length of coverage, most of the credit emergency travel medical insurance policies generally read the same and operate in a similar manner to one another. Recommended reading: RWRDS Canada's Guide to Credit Card Emergency Medical Insurance Coverage