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Important: Top insurers like Manulife and Allianz Global may not always be listed on comparison sites.
For personalized coverage, consider working with a licensed travel insurance broker.
⚡ Never choose on price alone. The cheapest policy may have restrictive conditions that could leave you unprotected in an emergency.
Best travel insurance providers for Canadians
Comprehensive coverage. Clear policy wording. High coverage limits. Excellent reputation.
Worldwide assistance network. 24/7 emergency support. Single & multi-trip plans.
Established Canadian insurer. Fair claims process. Multiple coverage options.
Simple online experience. Adventure coverage. Quick claims. Easy to understand policies.
Specialist in adventure travel insurance. Covers 150+ adventure activities. Flexible plans for backpackers and travelers.
Competitive pricing. Flexible coverage. Bundle discounts. Clear policy terms.
Avoid claim denials! Download our comprehensive checklist of critical questions you must answer correctly when applying for travel insurance.
Incomplete or incorrect answers on your insurance application are the top reason travel insurance claims get denied. Our comprehensive checklist ensures you provide accurate information.
Do you have any pre-existing medical conditions?
Heart disease, diabetes, COPD, arthritis...
What medications are you currently taking?
List ALL prescriptions with dosages
Does your provincial health plan cover you abroad?
OHIP, MSP, Alberta Health coverage limits
What is your total trip cost?
Include flights, hotels, tours, deposits
FREE
100%
Insurance companies WILL verify your answers
Use this checklist to avoid costly claim denials.
Provincial health plans have limited coverage outside Canada. Travel insurance covers emergency medical, hospital, and evacuation costs.
Get at least $5 million in medical coverage, especially for USA travel where costs are extremely high.
Understand what's covered and excluded. Pre-existing conditions, adventure sports, and certain destinations may require additional coverage.
If you travel twice or more per year, an annual multi-trip plan may be more cost-effective than buying single-trip policies.
Purchase insurance soon after booking your trip to maximize coverage for trip cancellation and interruption benefits.
Save your insurer's 24/7 emergency contact numbers in your phone and keep a copy of your policy with you while traveling.
Yes! Provincial health plans provide minimal coverage outside Canada. For example, OHIP covers only a small fraction of U.S. medical costs. A hospital stay in the U.S. can easily cost $10,000+ per day, far exceeding provincial coverage.
Most policies cover emergency medical expenses, hospital stays, emergency evacuation, trip cancellation/interruption, lost baggage, and flight delays. Coverage varies by provider and plan level - always read the policy details carefully.
For travel to the USA, we recommend at least $5 million in medical coverage. For other countries, $2-5 million is usually sufficient. Higher coverage is recommended for seniors or those with pre-existing medical conditions.
If you travel 2+ times per year, multi-trip (annual) plans are usually more cost-effective. Each trip is typically limited to 30-60 days. For one long trip or fewer than 2 trips per year, single-trip insurance is usually better.
Purchase as soon as you book your trip to maximize coverage for trip cancellation and interruption benefits. Many policies have time-sensitive clauses that require purchase within a certain period after initial trip deposit.
Most insurers can cover pre-existing conditions if they are stable (no changes in treatment or medication for a specified period, usually 90-365 days). You must answer medical questions honestly. Some conditions may be excluded or require higher premiums.
Call your insurer's 24/7 emergency assistance line immediately (save this number in your phone before you travel). They will direct you to appropriate medical facilities and coordinate billing. Never delay calling - most policies require pre-approval for treatment.
Basic policies usually cover common activities like hiking and snorkeling. High-risk activities (scuba diving, skiing, bungee jumping) often require additional coverage or a specialized policy. Check your policy's exclusions and consider add-ons if needed.