Travel Insurance for Canadians
Whether you are travelling abroad, within Canada, or returning home, the right travel insurance helps protect you against unexpected costs and disruptions. BestQuote makes it easy for Canadian travellers to compare plans from all of the country's leading insurers - from emergency medical coverage to trip cancellation and all-inclusive packages. Get the lowest available rates, expert advice, and peace of mind for your next trip.
Types of Canadian Travel Insurance
Specialist Coverage for Canadian Travellers
Not every traveller fits the standard insurance mould. If you are returning to Canada and waiting for your provincial health plan to restart, planning a working holiday abroad, or considering medical treatment outside Canada, we have policies designed specifically for your situation.
Coverage by Traveller Type
Not all travellers have the same insurance needs. Whether you are a snowbird escaping winter, a student studying away from home, or planning a long-term overseas adventure - we have organised the best options for your situation. Pick the type of traveller that best describes you to find tailored insurance options, benefits, and tips designed for your circumstances.
What Does Your Provincial Health Plan Actually Cover Abroad?
Many Canadians assume their provincial health plan covers them when they travel. It does, but far less than most people expect. Here is what each major provincial plan actually pays for out-of-country medical care:
Ontario (OHIP): Pays a maximum of $400 per day for out-of-country emergency hospital care. The actual cost of a hospital stay in the United States averages $10,000–$25,000 per day. OHIP covers nothing for physician visits outside Canada.
British Columbia (MSP): Pays $75 per day for out-of-country emergency hospitalization. Pays nothing for out-of-country physician visits.
Alberta (AHCIP): Covers a limited daily rate for out-of-province hospital care. Does not cover most out-of-country costs at US or international rates.
The gap between what your provincial plan pays and what a medical emergency actually costs abroad can be tens or hundreds of thousands of dollars. Travel insurance closes that gap for a fraction of the price (typically $30–$200 for a single trip).
How Much Does Travel Insurance Cost for Canadians? (2026)
The cost of travel insurance for Canadians depends on your age, destination, trip length, and the type of coverage you choose. Below are typical price ranges for the most common Canadian travel insurance types.
| Coverage Type | Typical Cost | Best For |
|---|---|---|
Emergency medical only (single trip) | $20-$250+ | Canadians with existing trip cancellation coverage or credit card benefits. |
Trip cancellation only | 4–8% of trip cost | Protecting non-refundable bookings on a single trip |
All-inclusive package (single trip) | $80–$500+ | Most Canadian travellers - combines medical, cancellation, and baggage |
Annual multi-trip plan | $150–$500+/year | Canadians who travel 2+ times per year |
Costs increase with age, trip length, with pre-existing conditions, and for travel to the United States (due to higher US medical costs). An annual multi-trip plan is often the best value for Canadians who travel more than twice a year as the cost is typically less than two single-trip policies combined.
Why Compare Travel Insurance with BestQuote?
BestQuote makes it easy for Canadian travellers to compare plans from all of the country's leading insurers and find the right coverage at the right price. Here is what sets us apart:
Canada's Largest Selection
More travel insurance options than any other Canadian price comparison website. Plans for seniors, students, snowbirds, expats, and working holiday travellers.
Compare Policies Side by Side
Compare real prices, coverage details, and key benefits from multiple providers in one place. Purchase online in minutes and receive your documents immediately.
Expert Advice When You Need It
Buying insurance can be confusing. If you are not sure which plan is right for you? Call us at 1-888-888-0510 and an advisor will help guide you through the process.
How to Buy Travel Insurance with BestQuote
Buying travel insurance through BestQuote is quick and easy:
Fill in our online quote form with your trip details -departure date, return date, destination, province of residence, and traveller date of birth.
Instantly compare prices and coverage from Canada's top insurance companies. Review real prices, deductible options, coverage details, and key benefits side by side.
Purchase online in minutes - your policy documents are delivered immediately by email. We recommend saving a copy for your records and bringing a printed copy with your travel documents.
Prefer to speak with an advisor? Call us toll-free at 1-888-888-0510 and we will help you find the best policy at the best price for your needs.
Frequently Asked Questions
Find answers to the most commonly asked questions about our services.
Yes, some Canadian insurers allow you to buy emergency travel insurance after leaving Canada, but options are limited and waiting periods may apply. It’s always best to purchase coverage before you travel.
Yes, many insurers allow you to extend your policy while abroad if you apply before your coverage expires and no claims have been made.
You can use our MSQ (Medical Screening Questionnaire) by filling out and submitting the form, and we’ll email you personalized recommendations based on your answers.
A single-trip plan is cheaper if you are only taking one journey, but an annual multi-trip plan is often the better value if you travel several times a year. Comparing both options helps you choose the most cost-effective coverage.
Yes, your provincial health plan usually covers basic doctor and hospital care in other provinces, but it will not cover many extra costs like ambulance services, prescriptions, or medical evacuation. Travel insurance fills these gaps and is strongly recommended even for domestic trips.
