Travel Insurance for Canadians

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Travel medical insurance: Don’t leave home without it

Comparing travel insurance quotes is your ticket to travel insurance savings

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. Complete a quick and easy quote so you can find your best travel insurance today.

Types of travel insurance in Canada

Not all travel insurance policies are created equal. Compare travel insurance quotes to get the best rate and 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.

Different Travel Insurance Plans

Emergency medical coverage is the most common type of travel insurance, but it’s not the only type. Single trip travel insurance, multi trip travel insurance, trip cancellation travel insurance, and all inclusive travel insurance are the four most common types of travel insurance plans, and the ones available through InsuranceHotline.com. Compare travel insurance plans today.

Single Trip Travel Insurance Multi Trip Travel Insurance Trip Cancellation Travel Insurance All Inclusive Travel Insurance
Emergency medical coverage for a single trip up to 365 days. Depending on your age, you may have to complete a short health questionnaire to qualify for a policy. Also called annual travel insurance, multi trip travel insurance provides emergency medical coverage for any number of trips occurring within one year, with each trip length having a maximum number of days set forth by the policy. Covers the full cost of your flight or travel package in the event unforeseen circumstances disrupt your trip or you’re unable to take your trip. If you also want emergency medical coverage, look to all inclusive travel insurance. Includes emergency medical coverage as well as trip cancellation and trip interruption coverage. Depending on the policy, this also includes baggage loss, baggage delay, accidental death and dismemberment, and more.
This is the most common type of travel insurance This is great for people who travel frequently for business Typically for travellers who have adequate emergency medical coverage through their employer’s health benefits or credit card. Provides travellers with the most protection.

Canadian travellers like you save an average* of 50 per cent on travel insurance found using InsuranceHotline.com

Soar into savings by using our site to compare 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 (FAQs)

Unpacking your most asked travel insurance questions. 

How much does travel insurance cost?

Travel insurance costs an average of:

  • $22.20 for a 10-year-old traveller
  • $41.16 for a 35-year-old couple
  • $42.24 for a family of four

These numbers are calculated based on quotes completed on InsurancHotline.com for travellers with no pre-existing health conditions who are heading out on a 10-day vacation with $2 million in coverage with no deductibles.

What does travel insurance in Canada cover?

Depending on your policy, travel insurance for Candian travellers typically 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 

Does travel insurance cover my personal belongings?

Personal belongings such as cameras and laptops are typically covered under your home insurance policy, not your travel insurance policy.

Home insurance protects your belongings even when you’re away from home, such as when you’re on vacation. Give your home insurance provider a call prior to departure to confirm your valuables are covered.

The exception to this is if an airline were to lose your luggage in transit. In this case, your travel insurance would cover your belongings if you purchased lost baggage coverage.

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 

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.


Does provincial health coverage cover me for injuries abroad?

No. 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 that Canadians secure travel insurance from a trusted insurer prior to departure to ensure you’re protected.

As of October 1, 2019, the Province of Ontario will no longer provide any out-of-country coverage whatsoever. For Ontario-based travellers, it’s more important than ever to purchase travel insurance before your trip to ensure you’re protected on your travels.

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! Use InsuranceHotline.com to compare rates.

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 using 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 through published rates 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 in Canada 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 before you take off

Tips that make filing a travel medical insurance claim easy

1) Understand your policy, including how it works, what it covers and how much your coverage is for


2) Document everything and keep all claim-related receipts for reimbursement


3) 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


4) Bring a copy of your travel insurance policy and contacts with you on your trip


5) 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 them with you at all times  


Have a great trip! 

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 so you can find the best rate and save.