Travel Insurance for Canada Vacations (2024)

Travel Insurance for Canada Vacations (1)

Is the trip of a lifetime waiting for you just across the border? Find travel insurance for your Canada trip and start planning your dream vacation with protection in mind.

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Why do I need travel insurance for Canada?

Whether you’re on a road trip through the Canadian Rockies or gallery hopping through Toronto, a visit to Canada offers a variety of experiences. But before you pack your bags, it’s important to consider safeguarding your trip investment from unplanned setbacks with travel insurance.

Why? No matter how well you plan, anything can happen while you’re traveling—including in Canada. Amidst your exciting itinerary, you may find yourself having a hurt knee at a hockey game, a canceled flight to Niagara Falls, or a stolen suitcase on Saint Paul Street. If something unexpected does come up during your Canada vacation that puts you and your finances at risk, travel insurance from Travelex may be able to provide the necessary financial and medical support you need.

So, if you’re dreaming of feasting your way through Vancouver’s food markets or strolling past 17th-century architecture in Montreal, don’t forget to consider protecting your journey to Canada with travel insurance.

  • Top benefits of having travel insurance for Canada vacations

  • Travelex travel protection plans can provide coverage that offers many important benefits. Consider getting travel insurance for your Canada vacation with Travelex so you have a comprehensive coverage plan that offers support when you need it most.
  • View all benefits >

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How to choose the best travel insurance for a visit to Canada

With two comprehensive plan options available for international trips—plus several upgrades to choose from—Travelex can provide useful coverage for your upcoming trip to Canada.

Travel Insurance for Canada Vacations (8)

Travel Basic

Following a strict budget for your trip to Canada? This plan offers essential coverage like reimbursem*nt for emergency medical expenses, trip cancellation coverage, and 24/7 travel assistance, so you can have more money to spend on poutine in Quebec City.

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Travel Insurance for Canada Vacations (9)

Travel Select

Looking for more comprehensive travel insurance coverage for your Canada vacation? Whether you’re planning to visit loved ones or set off on a new adventure, this plan has enhanced benefits and optional upgrades to help keep you and your vacation investment protected.

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Reasons to choose a Travelex plan for your Canada vacation

Life sometimes throws curveballs at us – including while we’re traveling. What starts as a calm trip to Canada can swiftly take a turn for the worst if unexpected incidents occur. If something goes wrong, it’s comforting to know travel specialists are on your side to help you navigate challenges and protect you financially from unforeseen expenses and logistical difficulties.

24/7 Assistance

Get emergency travel and medical assistance whenever and wherever you need it while you’re vacationing in Canada.

Travel Insurance for Canada Vacations (11)

Expertise On the Go

Travelex’s Travel On app provides real-time security alerts, destination advice, tap-to-call travel assistance, and more.

Travel Insurance for Canada Vacations (12)

Customizable

With the Travel Select plan, you can choose optional upgrades to fit your travel needs while in Canada.

FAQs about finding the best travel insurance for Canada trips

Are there any travel alerts I should be aware of before my trip to Canada?

While planning your trip, it’s important to stay updated on travel alerts posted by the U.S. Department of State on its Travel Advisories website. Travel alerts that may affect your travel insurance policy can be found on Travelex’s website.

Plus, as a Travelex policyholder, you can receive real-time security alerts while in Canada via the Travelex Travel On app.

Do I need travel insurance for Canada if I’m traveling with an organized tour?

While you might be joining an organized tour, it’s still important to have travel insurance for Canada. In fact, many tour companies require proof of travel insurance before departure to join the tour.

Not only will it help protect you in case you or a travel companion gets sick or injured while away, but travel insurance can also provide coverage for unforeseen events such as travel delays, lost luggage, and even non-refundable tours that get canceled because of bad weather.

Can I get coverage for driving a rental car in Canada?

With endless wide-open spaces and awe-inspiring national parks, Canada was made for road trips. If you’re planning to drive a rental car while abroad, travel insurance can add extra protection in the case of an accident that results in damage to the rental vehicle.

When you’re behind the wheel and experience a collision, vandalism, theft, or weather events, including a windstorm, fire, hail, or flood, rental car coverage through travel insurance can assist. Car Rental Collision Coverage can be added to Travelex’s Travel Select and Travel Basic plans as an optional upgrade.

Can I get coverage for driving my own car in Canada?

With much of the northern U.S. and Canada sharing a border, many Americans may choose to drive to Canada rather than fly. However, travel insurance for visitors to Canada typically does not cover personal vehicles when driving to Canada. Travel insurance primarily focuses on providing coverage for the traveler and their belongings during the trip.

If you’re taking your own vehicle to Canada, you may consider looking into separate auto insurance options specifically designed for international travel or extending your existing auto insurance coverage to include international travel to Canada. Before you leave on your trip, it's a good idea to contact your auto insurance provider to inquire about coverage options and requirements for driving in Canada.

Can I get coverage for my cruise during my Canada trip?

If you're planning to set sail on a cruise during your trip to Canada, it’s worth considering investing in travel insurance. If your cruise schedule changes, you get sick or injured on board, or miss a connecting flight, the right coverage can help to reimburse costs of non-refundable travel bookings, medical expenses, medical evacuation, lost personal belongings, and more.

Good news: Travelex’s Booking a cruise? Consider travel insurance for your Canada trip and discover Travelex’s Travel Select and Travel Basic plans.

Can I get coverage for snow sports in Canada?

Visiting Canada for a snow adventure at Whistler, Big White, or another Canadian ski resort? Travelex can provide travel insurance coverage for sports equipment delays, emergency medical bills, adventure sports, and more to help protect you and your upcoming ski or snowboard trip investment.

Travelex’s sel/node/86 plan offers comprehensive coverage for snow sports vacations in Canada. From injuries to icy conditions interrupting your travel plans, travel insurance is designed to provide 24/7 medical assistance and coverage for additional costs in the event your trip is delayed or canceled.

Can I get coverage for adventure activities in Canada?

Canada quickly captures the hearts of thrill seekers – but it’s important to ensure you have the right coverage for all the adventure activities you plan to do while abroad.

Good news: Travelex’s Travel Select and Travel Basic plans automatically include coverage for certain activities. This includes kayaking, skiing, canyoning, river rafting, horseback riding, hiking, and more. If your next trip involves any extreme sports or adventures other than what is automatically covered by these two plans – including zip-lining, mountaineering, and skydiving – it is recommended you consider purchasing the Adventure Sports upgrade, which can be added to the Travel Select plan.

Still have questions? You can check your policy wording or speak to a Travelex representative to ensure your policy provides coverage for your chosen adventure activity before you purchase travel insurance.

Can I get coverage if I think I may have to cancel my trip to Canada?

Life is unpredictable and the reality is you don’t always know what’s around the next corner.

If you’re planning a trip, Travelex’s Cancel For Any Reason upgrade may be a wise addition to your travel insurance policy. Available only on the Travel Select plan, it lets you cancel for any reason – whatever it may be – up to 48 hours prior to your scheduled departure date. This helps ensure you’re not left completely out of pocket, as Travelex can reimburse you with up to 75% of your insured trip costs (up to $7,500).

Will travel insurance for Canada cover medical procedures while I’m abroad?

If you’re searching for health insurance for travel to Canada, it’s important to understand the medical coverage that travel insurance can – and can’t – offer.

Travelex’s Travel Select and Travel Basic plans offer coverage for emergency medical and dental expenses only. This does not include elective medical procedures undertaken while abroad or traveling for the purpose of obtaining medical treatments.

Will travel insurance for Canada cover pre-existing medical conditions?

If you are already aware of a pre-existing medical condition, you may also be wondering if it will cause you problems during your trip to Canada. Travel insurance for Canada can offer coverage for pre-existing medical conditions if all the following requirements are met:

  • The Travel Select travel insurance policy is purchased within the “early purchase window” (within 15 days of first trip payment);

  • The amount of coverage purchased equals all prepaid nonrefundable payments or deposits applicable to the trip at the time of purchase;

  • The costs of any subsequent arrangements added to the same trip are insured within the timeframe in the early purchase window; and

  • All insureds are medically able to travel when the policy is purchased.

Trip Cancellation and Trip Interruption coverage under the pre-existing medical condition exclusion waiver will be limited to 100% of insured trip cost, up to a maximum of $50,000.

Why should I get travel insurance for Canada if I have insurance with my credit card?

While numerous credit cards offer travel insurance, the plans offered can have lower benefit limits and often include special conditions required to activate the coverage. Comprehensive travel insurance from a specialized provider like Travelex can provide greater coverage across several important benefits, such as possible coverage for pre-existing medical conditions.

Ready to get travel insurance for your trip to Canada?

Discover how Travelex can protect your upcoming vacation.

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Travel Insurance for Canada Vacations (2024)

FAQs

Do I need travel insurance when traveling to Canada? ›

Travel insurance is not a legal requirement to visit Canada. U.S. residents can enter the country with a valid passport. However, Canada does not cover medical expenses for travelers, and you may risk financial loss due to unexpected trip cancellations.

What travel insurance do I need for Canada? ›

As Canada is a part of North America, you'll need worldwide travel insurance to protect you against: Loss, damage, or theft of your belongings - If your luggage goes missing or is damaged in transit, your insurance will help cover the costs of replacing your things.

Who has the best travel insurance in Canada? ›

  • Best for thrill seekers: World Nomads. ...
  • Best for families: CAA Travel Insurance. ...
  • Best for seniors and retirees: Blue Cross. ...
  • Best for budget travellers: Travel CUTS Bon Voyage Insurance. ...
  • Best for Canadians with pre-existing medical conditions: Manulife CoverMe. ...
  • Best for emergency medical assistance: Medipac Travel Insurance.

Will my US health insurance work in Canada? ›

Even though Canada is just over the border, your U.S. health insurance plan will not be accepted there unless it specifically provides global coverage. American Medicare also is not accepted in Canada. It's important to purchase travel medical insurance in case you suffer an injury or fall ill while in Canada.

Do US citizens get free healthcare in Canada? ›

Do tourists get free healthcare in Canada? No. However, it is possible for non-residents to get emergency healthcare coverage while in Canada (but it won't cover non-emergency expenses). This is highly recommended no matter whether you're visiting the country for one week or multiple months.

Do Americans travel to Canada for healthcare? ›

Traveling Internationally for Medical Care

Medical tourists from the United States most commonly travel to Mexico and Canada, and to several other countries in Central America, South America, and the Caribbean.

Why is travel insurance to Canada so expensive? ›

Lack of a Regulatory Body for Healthcare

Unlike India and other European countries, the countries such as the US and Canada do not have a nationally regulated medical body. They do not have a government hospital in each city. Thus, private hospitalisation, consultation, and care procedures in US and Canada are costly.

Does my insurance cover me in Canada? ›

An American car insurance policy works the same way in Canada as it does in the U.S. Your comprehensive car insurance coverage and auto collision coverage, for example, still apply to damage to your vehicle if you're in an accident while driving in Canada.

How much is Canadian travel insurance? ›

The Breakdown: The Average Travel Insurance Cost Based on Coverage Type
Coverage TypeAverage Cost (CAD)
Basic (Trip Cancellation & Interruption)50-100
Comprehensive (Including Medical Expenses)120-250
Medical Only70-150
CFAR (Cancel for Any Reason) Add-onAdditional 40-60% on Base Premium
Mar 7, 2024

Do visitors to Canada need insurance? ›

If I get sick or have an accident while visiting Canada, will the Government of Canada pay for my medical treatment? Canada does not pay for hospital or medical services for visitors. You should get health insurance to cover any medical costs before you come to Canada.

What is the best travel insurance for seniors? ›

This list does the heavy lifting for you as you search for the best senior travel insurance, so read on to learn about the top picks.
  • Trawick International: Best Overall.
  • Allianz Travel Insurance: Best Cancel for Any Reason.
  • AIG Travel Guard: Best Annual.
  • Nationwide: Best for Cruises.
  • WorldTrips: Best Budget.
Jul 1, 2024

What is the number one insurance company in Canada? ›

Key Takeaways. Manulife Financial is the largest insurance provider in Canada and offers a broad range of financial services. Great-West Lifeco, Inc., the second-largest insurer, operates as a holding company for six subsidiaries.

Do I need extra health insurance to travel within Canada? ›

Not all Medical Expenses are Covered by OHIP

The fact is provincial health insurance plans will only cover some medical expenses. Therefore, you should always protect yourself by purchasing medical insurance when travelling within Canada.

Will Medicare cover me in Canada? ›

In most situations, Medicare won't pay for health care or supplies you get outside the U.S. The term “outside the U.S.” means anywhere other than the 50 states of the U.S., the District of Columbia, Puerto Rico, the U.S. Virgin Islands, Guam, American Samoa, and the Northern Mariana Islands.

Do I need medical insurance in Canada? ›

Healthcare Costs on the Rise

With healthcare costs steadily rising, the financial impact of an unexpected illness or injury can be devastating if you don't have adequate insurance coverage. Canada health insurance plans help protect you and your family by reducing your out-of-pocket medical expenses.

What does a US citizen need to travel to Canada? ›

Entry into Canada: Canadian law requires that all persons entering Canada carry proof of citizenship and identity. A valid U.S. passport, passport card, or NEXUS card satisfies these requirements for U.S. citizens. Children under 16 only need proof of U.S. citizenship.

Can a visitor get health care in Canada? ›

Foreign visitors don't have access to Canada's universal healthcare system. But visiting families, tourists, and foreign workers and students can purchase “visitors to Canada” insurance. It comes in very handy in the event of illness or an accident.

Can I go to the ER in Canada without insurance? ›

For uninsured residents and non-residents, hospital outpatient fees are applicable for each and every emergency visit, outpatient clinic visit (ambulatory care, Childbirth Centre, day surgery, rehabilitation, orthopedic services, etc).

Do you need proof of insurance to cross the Canadian border? ›

Your auto insurance card should be sufficient, but you can also request a non-resident inter-province insurance card from your insurance company.

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