Services
Travel Insurance
Don't let a medical emergency abroad become a financial one.
A medical emergency outside your home province can cost tens of thousands of dollars — and provincial health plans only cover a small fraction of that when you're travelling. Travel insurance protects you against emergency medical costs, trip cancellation, and lost or delayed baggage.
Who this is for
- Snowbirds spending winters in the US or abroad
- Families planning a vacation who want cancellation protection
- Frequent travelers who benefit from an annual multi-trip plan
- Parents or grandparents visiting Canada on a Super Visa
- Visitors and newcomers to Canada who need coverage while they're here
Plan types
Ways to get covered
Travel Insuranceisn't one-size-fits-all. Here's a closer look at the main ways this coverage is structured — we'll help you narrow it down to what fits your situation.
Single-Trip Travel Insurance
Emergency medical, trip cancellation, and baggage coverage for one specific trip — the right fit if you travel only occasionally.
Multi-Trip / Annual Plans
One policy covering unlimited trips over a full year, up to a set number of days per trip. Usually the most economical option if you travel more than once or twice a year.
Super Visa Insurance
Mandatory emergency medical coverage for parents and grandparents visiting Canada on a Super Visa, meeting the minimum coverage and duration required by IRCC.
Visitors to Canada Insurance
Emergency medical coverage for visiting family, friends, or newcomers not yet eligible for provincial health coverage, including options for pre-existing conditions.
Trip Cancellation & Interruption
Reimburses prepaid, non-refundable trip costs if you need to cancel or cut a trip short for a covered reason — illness, a death in the family, or other qualifying events.
Canadian Snowbird Plans
Extended-stay coverage built for Canadians spending winters in the U.S. or abroad, with options for pre-existing condition stability periods and top-ups if your travel plans change.
Don't let a medical emergency abroad become a financial one.— compared across multiple insurers, so you see real options instead of a single company's product list.
Good to know
Things worth understanding upfront
Pre-existing conditions need to be disclosed accurately
Most claim denials trace back to a pre-existing condition that wasn't disclosed properly at the time of purchase. We'll help you complete the medical questionnaire correctly so a legitimate claim doesn't get denied later.
Check government travel advisories before you go
Coverage can be affected by official travel advisories in effect for your destination. The Government of Canada publishes up-to-date advisories at travel.gc.ca/travelling/advisories — worth checking before you buy and before you fly.
Provincial health coverage travels with you — barely
OHIP and other provincial plans typically reimburse only a small fixed daily amount for care outside your home province, a fraction of what care actually costs abroad or even in another Canadian province.
Common questions
Frequently asked questions
Yes. Provincial plans cover very little outside your home province or country — often a small daily rate that falls far short of actual costs. Travel insurance is what protects you from the real bill.
Ready to find the right coverage?
Tell us a bit about what you need and we'll put together options from multiple insurers — no cost, no obligation.