Compare Travel Insurance Canada
Quote and Compare Travel Insurance in Canada to get the Best Price Plan
There are various terms and phrases used to describe travel insurance in Canada. There's the must-have:
- Travel Medical Insurance, otherwise known as travel insurance or emergency medical travel insurance;
And there's the nice-to-have:
- Trip Cancellation/Interruption, or Trip Interruption only as a standalone plan.
- All-inclusive coverage, a type of package plan, is worth considering. It combines emergency medical with trip cancellation/interruption benefits and even includes some baggage coverage.
We'll go through some of them here and link you to our other pages that contain more precise information.
For more detailed information and answers to specific questions, we encourage you to explore our Canadian traveller blog page before your next holiday!
Travel Medical Insurance
Referred to as either medical emergency travel insurance, emergency medical insurance, travel medical insurance, or travel health insurance, this form of insurance is more than just a safety net. It's a peace of mind, offering protection against certain financial losses arising from sudden, unexpected and unforeseeable circumstances.
Some might refer to this as trip insurance, but that would be oversimplifying. You may find, for example, that your credit card provides accidental travel insurance. Still, looking closely, you may find that it only covers medical emergencies arising from accidental injury, not an unexpected illness.
See travel medical insurance for information on what is and isn't covered and your single-trip and multi-trip insurance options. Check out our Q&A pages. Get informed, get a quote, and get insured!
Trip Cancellation Insurance
Whether you are travelling away from Canada or out-of-province in Canada, trip cancellation insurance protects you against the risk of cancelling your trip before it even starts. Many events can sidetrack your travel plans.
Sometimes, with cancellation penalties or non-refundable tickets, as well as reservations and tour expenses that might not be fully refundable, the costs of cancelling a trip can add up to more than pocket change. For a fraction of those costs, you can rest assured that if you do need to cancel because of an insured risk, the only money that will be out-of-pocket is the cost of your insurance.
See trip cancellation insurance for information on which types of risks are covered and how to save.
Trip Interruption Insurance
Trip interruption insurance helps prevent you from paying out-of-pocket costs that can occur if your trip is interrupted. This insurance would help insure things like a family emergency, a missed connection or a flight due to any number of events such as weather, roadblocks, immigration/visa issues, accidents or sicknesses.
See trip interruption insurance for Canadians to review an example list of covered risks.
Travel Insurance Packages
Travel insurance companies often bundle the three types of coverage mentioned above with baggage insurance and accidental flight insurance and offer everything at a price that's usually much lower than the sum of the parts. Baggage insurance covers certain types of baggage loss, damage, and delay, while accidental flight insurance would pay a lump sum benefit if an insured person is partially dismembered or dies in a flight accident.
These package plans, often referred to as all-inclusive plans, are not just a convenient option. They can be an excellent way to save on insurance costs, making your travel experience more affordable and enjoyable.
See travel insurance packages for more details.
Out-of-Province Insurance
When Canadians travel outside their province or territory, it's crucial to understand that any medical emergencies might not be covered the same way as in their home province. While that's perhaps 90-95% true, coverage differences exist between provinces (how much each province charges, and how much your home province covers), and not all costs will be coordinated between provinces upfront.
You might be put in a position where you must file a claim in your home province to recoup most costs (especially for Quebec).
But out-of-province travel medical insurance covers non-medical costs related to emergencies that your provincial health provider doesn't. The insurance would include things like sending a loved one to your bedside, returning your vehicle home and more. Some companies offer this coverage at roughly half the price of out-of-country travel medical insurance.
See out-of-province insurance for the list of unique benefits, and get covered for inter-provincial trips as well.
