The best travel insurance in Canada

Travel insurance is designed to cover you for a wide range of emergencies and financial shocks that could happen while you're travelling - within Canada or internationally, for business or pleasure. This can include sudden trip cancellation, flight delays, lost baggage, or medical accidents and emergencies.

Technically, you don’t need to have travel insurance when going on most trips, but getting coverage is the smart and financially responsible thing to do. The financial cost of something going wrong overseas is generally much higher than if it were to happen back home, so travel insurance offers you extra protection and peace of mind. Medical care is the best example of this, as most health insurance - public or private - won't cover you overseas. Because of the high cost of medical care, an uninsured overseas emergency could cost you several thousands of dollars.

Travel insurance policies vary with regard to what they cover, but most policies will cover emergency medical care, as well as some level of trip cancellation coverage due to unforeseen events. Additional cover is available for snow sports, additional trip cancellation protection, as well as loss or theft of property.

Yes! Our partners offer travel insurance even if you've already left on your trip. However, there will be a waiting period - generally 48 hours - before you'll be able to make a claim. Keep in mind, not all travel insurance companies offer this option. It’s always best to book ahead of time, no matter what.

Since public health care is provided at the provincial level, you'll still need travel insurance even when travelling within Canada's own borders. While your home province will provide some medical coverage out-of-province, you'll generally have more out-of-pocket expenses than you would at home. Out of province travel insurance covers you in those situations.

In general, theft of property is covered by most travel insurance policies, but it depends on your policy and what gets stolen. For instance, a policy might cover $1,000 worth of luggage and $500 worth of snow sports equipment. Typically, a travel insurance policy won't pay out if the theft was due to "carelessness" - like if your gear was left in an unlocked car.

Not all travel insurance policies are the same. Depending on your needs, there are different types of coverage you might want to consider. 

Types of travel insurance

• Single trip insurance is the most affordable travel insurance available, and will cover you for a single trip - from departure to return. A single trip can include multiple layovers and destinations, but will end once you arrive back home.
• Multi-trip insurance is a more expensive type of travel insurance, but it's very flexible and convenient. Multi-trip insurance will cover you for any trips with a certain period of time, usually one year - it's also sometimes known as annual travel insurance. Multi-trip insurance is generally more expensive than taking out multiple single-trip policies, as it offers worldwide coverage.
• All inclusive travel insurance covers you for medical emergencies and care, trip cancellation or delay, as well as theft of property. It may also cover you for additional activities on your travels, like snow sports. Because it covers more potential problems, all inclusive travel insurance is more expensive than other policies.
• Trip cancellation insurance is travel insurance that's limited to unforeseen interruptions or cancellations to your trip. This could include delayed flights and missed connections, lost, stolen, or misdirected luggage, as well as cancellation of accommodation, tours, or travel.

We make it easy to get a travel insurance quote in just minutes. That makes it fast and easy to find the right policy for you, at a price you can afford. It doesn't cost you any extra to compare, but it can save you a lot.