Travel Insurance Quotes for Canadians – Simple & Hassle Free
Travel Insurance: Don’t Leave Home Without It
Travel insurance is one item you don’t want to leave behind, whether you’re travelling abroad to the pyramids of Egypt or heading across the border on a day trip to Trader Joe’s. Unfortunately, accidents and unexpected illnesses happen, which is why the Government of Canada recommends packing travel insurance along with your passport. Travel insurance protects your health, travel plans and bank account while you’re away, so you can travel with peace of mind.
Types of Travel Insurance
Not all travel insurance policies are created equal. Comparing travel insurance quotes ensures you’re not only getting the best rate, but also the best coverage for your needs.
There are several different types of travel insurance that you can get to protect you and your loved ones while you’re away. Without coverage, you’re left paying out of pocket for what can easily amount to massive medical bills and unexpected trip related expenses. This is when travel insurance comes in handy.
Here are the different types of travel insurance available to you.
Travel Health Insurance – Covers emergency medical costs such as ambulance trips, hospitalization, emergency room fees and prescription medication.
Trip Cancellation – Protects you in the event you must cancel a trip due to an emergency or unforeseen medical problem.
Trip Interruption – Protects you in the event you must end your trip early and immediately tend to an emergency back home.
Travel Life Insurance – Protects you in the event you pass away while abroad and covers costs such as returning your remains to Canada.
Flight Delay and Cancellation – Protects you when weather or other issues cause unexpected flight-related expenses, such as hotel costs.
Lost Baggage – Provides coverage in the event the airline loses your luggage in transit, allowing you to replace the items in your bag.
Snowbird Travel Insurance – Special travel insurance for seniors that typically travel south for the winter. Find out more here.
Visitors to Canada Travel Insurance – Provides medical coverage to those visiting Canada from other countries while they’re here. Learn more here.
International Student Medical Insurance – Provides medical coverage to international students studying in Canada. Read more here.
Soar Into Savings by Comparing Travel Insurance Quotes Today
You compare flights, hotels, restaurants and outings. Why not do the same for your travel insurance?
Join millions of Canadians who have saved time and money by comparing travel insurance quotes on InsuranceHotline.com. We’re proud to provide our fellow travellers with travel insurance options from dozens of trusted Canadian providers. Soar into savings by completing a quick, no-obligation quote today.
Travel Insurance Frequently Asked Questions
Unpacking your most asked travel insurance questions.
What does travel insurance cover?
Depending on your policy, travel insurance provides coverage for:
- Emergency medical expenses
- Emergency trip cancellation and interruption
- Lost baggage
- Emergency transportation to a hospital
- Hospitalization and emergency room fees
- Medical examinations such as x-rays
- Transportation back home after a medical event
- Flight delays and cancellations
Personal belongings such as cameras and laptops are typically covered under your home insurance policy, which protects your belongings even when you’re away from home. Give your home insurance provider a call prior to departure to confirm your valuables are protected.
What kind of travel insurance do I need?
The Government of Canada recommends that your travel insurance include:
- Health, life and disability coverage
- Flight cancellation, trip interruption, lost luggage and document replacement (when flying)
- Driver and vehicle coverage (when driving) to provide protection in the event you’re in an accident while abroad
The coverage you purchase is up to you, but we always recommend at least securing travel health insurance. Ideally, you won’t have to use your travel insurance, but you’ll be grateful it’s there in the event you find yourself or a travel companion needing emergency medical care or other services abroad.
Won’t my provincial health coverage cover me?
Provincial healthcare plans are not valid outside of Canada and the Government of Canada will not pay for medical bills accrued abroad. There are some exceptions, but these are rare and the Government of Canada highly recommends securing travel insurance from a trusted insurer prior to departure to ensure you’re protected.
Why do travel insurance costs vary so much?
Just as the cost of flights differ from carrier to carrier, travel insurance policies can range vastly from one company to the next. Here are some of the factors that go into determining your rates:
- Your likelihood of filing a claim
- The type of coverage you need
- The insurer’s claims experience
- The number of people travelling
- The destination, which may be affected by the Government of Canada’s Travel Advice & Advisories
How do I get the best travel insurance rate?
It’s easy! Compare rates on InsuranceHotline.com. In just a few minutes, you can get quotes from our network of more than 30 insurers.
Questions? No problem! Connect directly with a licensed insurance professional who can answer your questions, put your mind at ease and ensure you get the coverage you need at a price you can feel great about.
If you travel frequently, you may be able to save additional money with an annual travel insurance plan. Talk to your provider today to learn more.
How much can I save on travel insurance with InsuranceHotline.com?
InsuranceHotline.com shoppers save an average of 50 per cent and upwards of 64 per cent when comparing travel insurance quotes.
*The average savings found on insurancehotline.com for emergency medical travel insurance for single travellers, between the ages of 21 – 54, for single trips of 10 days, as compared with the published rates of 3 Financial Institutions for their equivalent emergency medical travel insurance. Actual savings vary depending on number of travellers, age, trip duration, medical conditions, and coverage selected. Based on research as of July 28, 2017.
How does travel insurance work?
Travellers are required to purchase travel insurance prior to departure in order for coverage to be active while you’re away. These policies act as temporary insurance that covers you during a set period of time, typically the duration of the trip.
When it comes to filing a claim, each insurance company has its own process, but typically you or someone operating on your behalf would have to contact your insurance provider in the event of a medical emergency or another large claim to coordinate details. In some cases such as smaller claims, you may have to pay up front then submit a form for reimbursement within a set period of time. Speak with your insurance provider to ensure you fully understand the process and who to contact in the event of a claim.
Frequent travellers can benefit from an annual travel insurance policy. These policies can save you money in the long run while carrying coverage over from trip to trip. They are commonly used by people who travel often for work, typically to the same destinations.
A few final travel insurance tips:
- Understand your policy, including how it works, what it covers and for how much
- Document everything and keep all receipts for reimbursement
- Use your smartphone camera to document injuries, damage to a vehicle, even actual documents. This will come in handy in the event of a claim
- Bring a copy of your travel insurance policy and contacts with you on your trip
- Write the policy number, insurance provider name and contact information on a piece of paper and keep it in your wallet for easy access in case of emergency and/or take a photo of the documents with your phone so you have it with you at all times
As you prepare for you trip, don’t forget to pack travel insurance. This affordable type of insurance is a small price to pay for peace of mind and health coverage. Plus, it can save you thousands of dollars in the event of a claim. There’s always room in your luggage to squeeze in some extra savings. Compare travel insurance quotes today to find the best rates and save.
* The average savings found on InsuranceHotline.com for emergency medical travel insurance for single travellers, age 60 – 75, for single trips of 90 days or more, as compared with the published rates of three financial institutions for their equivalent emergency medical travel insurance. Actual savings vary depending on number of travellers, age, trip duration, medical conditions, and coverage selected. Based on research as of July 28, 2017.