Best Travel Insurance in Canada

Advertiser Disclosure This article/post contains references to products or services from one or more of our advertisers or partners. We may receive compensation when you click on links to those products or services.
Last updated on May 26, 2022 Comments: 12

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

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

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

Best Travel Insurance Providers in Canada

Travel Insurance ProviderBest ForBest FeaturesOther Considerations
World NomadsThrill Seekers Covers 200+ adventure sports, activities, and volunteer/work experiencesMust be under 66 years of age to qualify
CAA Travel InsuranceFamiliesComprehensive coverage for the whole family including pets

CAA members get a 10% discount on policies
Stand-alone emergency medical coverage policy does not include trip cancellation/interruption coverage
Blue CrossSeniorsSpecial packages for snowbirds

VIP “Serenity Service” for flight delays
Pre-existing medical conditions are generally not covered
Travel CUTS Bon Voyage InsuranceBudget SeekersStarts at $1.36 a dayMust be at least 15 days old and no more than 50 years old
Manulife CoverMeCanadians with Pre-Existing Medical ConditionsTravelEase policy covers pre-existing medical conditions

TravelAid mobile app
Coverage for pre-existing medical conditions is limited to the TravelEase package only
Medipac Travel InsuranceEmergency Medical AssistanceMedipac has an in-house team of medical professionals who are trained in emergency medical and critical careTrip cancellation not available on the annual multi-trip plan

Note: COVID-19 has significantly changed the way we travel, and our travel insurance needs. For COVID-specific policies, check out our list of the Best Travel Insurance Plans with COVID-19 Coverage. Several of the insurance providers listed here, including Manulife, CAA, and Medipac, have dedicated COVID-19 options.

World Nomads: Best for Thrill-Seekers

World NomadsDesigned for adrenaline lovers with wanderlust, World Nomads insures a long list of adventure sports, activities and volunteer/work experiences, as well as sporting equipment delay/loss/theft. You also get access to a 24/7 hotline that provides info that adventure travellers may need: from weather reports and travel advisories to assistance locating the nearest trail to finding a gear shop. The standard policy covers emergency medical expenses up to $5 million, emergency dental, trip cancellation/interruption/delay, baggage delays/theft/damage and more. The downside: you must be under 66 years of age to qualify.


CAA Travel Insurance: Best for Families

CAAA long-trusted Canadian institution, CAA offers flexible travel plans to suit every type of traveller and vacation, but their policies are particularly great for families. Their stand-alone emergency medical policy of up to $5 million in health coverage is extremely comprehensive, even including medical repatriation, emergency dental and reimbursements for pet care and kenneling. The Vacation Package Plan provides full cancellation/interruption insurance – ideal for prepaid, all-inclusive vacation packages – as well as family transportation and escort of children during emergencies. Anyone can buy CAA travel insurance, but members get a 10% discount.

CAA’s emergency medical plans also now include coverage for COVID-19-related illnesses for vaccinated customers who are travelling during a Government of Canada-issued Level 3 (avoid non-essential) travel advisory. Coverage is up to $2.5 million if partially vaccinated, and up to $5 million if fully vaccinated.


Blue Cross: Best for Seniors and Retirees

Blue Cross Blue ShieldBlue Cross has been around for more than 70 years, and 1 in 4 Canadians utilize its travel insurance. Blue Cross’s emergency medical covers up to $5 million, and it has special “snowbird” travel insurance packages designed for Canadians who head to warmer climates each year, making Blue Cross ideal for retirees. Part of the package is the recently launched Serenity Service – a free perk that provides a range of benefits if your flight is delayed, including access to an airport lounge or even a hotel room (depending on the length of the delay). Pre-existing conditions are generally not covered.


Travel CUTS Bon Voyage Insurance: Best for Budget Travellers

Travel CutsStarting at only $1.36 a day, Travel CUTS Bon Voyage Insurance offers very affordable travel insurance packages, and it’s personally been my “go-to” travel policy for years. Yes, it’s geared to students (e.g., you can swap your travel dates at no charge due to an exam schedule conflict), but anyone between 15 and 50 years of age can purchase a policy. The standard package includes hospital and medical up to $1 million, dental care, air ambulance evacuation, flight accident, accidental death or dismemberment, and trip interruption/cancellation insurance. Adventure and extreme sports are also covered.


Manulife CoverMe: Best for Canadians with Pre-Existing Medical Conditions

Manulife CoverMeManulife offers highly comprehensive travel insurance packages for those travelling as a family, a visitor to Canada, or a student, and you also get access to the TravelAid mobile app, which provides directions to the nearest medical facility and local emergency telephone numbers. However, the stand-out feature is arguably TravelEase – a special policy designed to cover fully disclosed medical conditions. For travellers with pre-existing conditions, it insures a bunch of expenses for health services and transportation and provides up to $10 million in emergency medical benefits – a unicorn in the travel insurance world.


Medipac Travel Insurance: Best for Emergency Medical Assistance

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

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

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

Will My Provincial Insurance Be Valid Overseas?

Will My Provincial Insurance Be Valid Overseas

Image source: Shutterstock

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

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

Will My Provincial Insurance Work in Another Province/Territory?

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

However, that doesn’t mean you’re completely out of the woods. Depending on your destination, a slew of other services may not be covered, such as an ambulance, hospital transfer, prescription drugs, transportation back to your home province, and procedures not currently approved by your home plan. Plus, since Quebec wasn’t a signatory to the interprovincial billing agreement, you’ll likely be charged for any medical bills incurred there. For this reason, it’s recommended that you buy extra travel insurance (or verify your credit card’s travel insurance coverage) to cover any uninsured health care services that may crop up during your trip.

What Does Travel Insurance Cover?

What Does Travel Insurance Cover

Image source: Shutterstock

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 beside
  • Air ambulance or commercial repatriation home
  • Return of your vehicle if you are ill and have to come home

Additional benefits may include:

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

How Much Coverage Do I Need?

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

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

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

Should I Buy “a la carte” Travel Insurance, or Get a Travel Credit Card with Free Insurance?

A credit card that includes 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 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® 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 $3750 must have been charged onto your AMEX in order to qualify for a claim. If you didn’t do that, you’re out of luck.

Other Travel Insurance FAQs

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: for instance, 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 travel insurance, you must select a trip start and end date – meaning you must know the exact dates for travelling to those places.

Should I Carry a Printout of My Policy with Me at All Times?

I recommend carrying the travel insurance card in your wallet and locking it up in the hotel safe with other important travel documents like my passport. But don’t rely totally on paper: Wallets get lost or stolen, luggage can be delayed or MIA 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:

Author Bio

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

Article comments

12 comments
Zoli says:

Why is there no facility for publishing atrocious performance of claim settlements?
RBC insurance claims department is grossly incompetent and inefficient, and this should be publicised. Are insurance companies censoring complaints and negative reviews? There doesn’t seem to be any facility for publishing ratings, or real, meaningful reviews of performance. This isn’t about claim disputes, but rather the inefficient, incompetent settlement of claims.

Aaron Broverman says:

Hi Zoli,
I would say that any imbedded insurance department with captive agents — as in, insurance agents who can only sell products from one insurance provider — is at a gross disadvantage to an MGA (Managed General Agent) who is independent and can offer a variety of insurance products from many different providers in an effort to find you the best available rate. Next time you travel, forget RBC and go with an individual travel insurance policy from an individual and independent insurance agent.

Norm says:

Hi Lisa: Can you bring us up to date on which travel insurers are insuring for Covid-19? I understand Medipac is covering and I believe Blue Cross. Are there any others? It should be mentioned that there is a travel advisory to the USA and you may not be able to secure medical services.

Aaron Broverman says:

Hi Norm,
Air Canada is providing travel insurance that covers COVID-19 and related expenses to southern destinations such as Mexico and the Caribbean in partnership with Allianz Global and brokerage TW Insurance Services at no extra cost to travelers. The policy covers quarantine accommodation expenses, COVID-19 related medical expenses and repatriation in the event of death abroad from COVID-19 for $100,000 of coverage per person per trip. Air Canada says they are the first Canadian tour operator to offer COVID-19 insurance as part of their vacation packages.

Maureen says:

You may want to mention that World Nomads does not offer insurance to residents of Ontario.

Aaron Broverman says:

Thanks Maureen,
I actually spoke to an agent at Travel Guard (providing emergency assistance for World Nomads policyholders) and he said though you are right, World Nomads did have an issue with their licensing and are unable to insure residents of Ontario as of this response (2020-02-25 3:26 P.M. EST) he said the issue should actually be fixed in a week from now, so residents of Ontario will be able to select Ontario as their province of residence and bill through the website then. Anyone with a World Nomads insurance from Ontario, please let us know if that’s the case in the future.

Malin Christensson says:

Kanetix does not cover BC? My postal code is not accepted.

Aaron Broverman says:

Hi Malin,
Yes, you are right. Sadly, Kanetix is not available in the province of B.C., but if you call them, they suggest you visit insurancedirectory.ca where you will be able to find an independent insurance broker that can provide you with the insurance you’re looking for. Check out Greedyrates.ca/insurance for all our insurance articles if you need more help.

Angie Robson says:

I have a World elite RBC card, recently retired, have read all the fine print on the emergency medical coverage it looks ok, well as ok as other additional coverage , I have blue cross in canada thro pension plan, looking to see if I need to buy more or just keep up with the credit card? any thing you have to add would be much appreciated ty

Nate Siegel says:

Hey Angie,

It’s important to look closely at your Blue Cross policy to see if it covers travel emergency medical costs, or provides similarly relevant insurance for injuries or illnesses outside of your province. If not, then you’ll need to check if your credit card has emergency medical insurance (tip: the World Elite card does) and for how long it covers you. This will depend on how old you are, as most issuers change the number of coverage days depending on the cardholder’s age at any given time. You might find that the RBC coverage isn’t enough, for example if your trip is 30 days long and your coverage lasts just 10. In that case, call RBC and they’ll connect you with the insurer, who will let you buy a simple extension. Good luck.

GreedyRates

Brenda says:

If your credit card covers only 2 or 3 weeks away, but you’re going to be gone longer, can you just get additional insurance for the extra time period? Thanks for the great info!

Nate Siegel says:

Hey Brenda,

Great to have you at GreedyRates, and thanks for your inquiry. If you’re a cardholder with a card providing the standard 15 days of consecutive medical coverage, for example, then once that window is up, your coverage falls off even if it’s mid-trip. For this reason, most insurance agencies (via their issuers and/or banks) make it really easy to purchase coverage extensions. Just call them up and describe the vacation you’re going on, how long it’ll be, and how much coverage your card gives. They’ll give you a quote and will be able to charge it directly to your card in many cases. Have a safe trip!

GreedyRates