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Best Travel Insurance in Canada
We’re ready to find you the perfect travel insurance policy at the lowest rate. We just need a bit of information from you to get started.
How will we help:
- We’ll help you understand the product and answer any questions you may have
- Our licensed advisors will find the lowest quotes from top insurance companies
- Once we have some basic information, we’ll build and customize your plan
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What is the difference between travel insurance and visitor to Canada insurance?
Travel insurance is designed for Canadians traveling outside of Canada. This insurance covers a variety of unforeseen events such as emergency medical expenses, trip cancellations, lost luggage, and travel delays. It is essential for protecting against financial losses that may arise from various travel-related incidents while outside Canada.
Visitor to Canada insurance is for non-residents or new immigrants visiting Canada. It primarily covers medical expenses in Canada, including hospitalization and emergency care, since they may not have access to the country’s healthcare system. It includes services like hospitalization,
physician visits, ambulance services, and prescription drugs. Unlike general travel insurance, it does not typically cover trip cancellations or lost luggage.
What does travel insurance cover?
Travel insurance typically covers a range of potential risks and incidents that can occur while traveling. Here’s what standard travel insurance generally covers:
- Trip cancellation: Reimburses prepaid travel expenses if you need to cancel your trip due to unforeseen events such as illness, injury, death of a family member, or other covered reasons (e.g., natural disasters, job loss).
- Trip interruption: Covers the cost of returning home early if your trip is interrupted for similar reasons, as well as any non-refundable costs for unused portions of your trip.
- Baggage loss/theft: Provides compensation if your luggage is lost, stolen, or damaged during your trip.
- Baggage delay: Offers reimbursement for essential items you need to purchase while waiting for your delayed luggage.
- Flight delay or missed connection: Covers additional expenses incurred due to flight delays, missed connections, or alternative travel arrangements, including accommodations, meals, and transportation if your flight is delayed or canceled.
Coverage can vary significantly between policies, so it’s essential to read the terms carefully and understand what is included and any exclusions that may apply.
What does visitor to Canada insurance cover?
Visitor to Canada insurance typically covers emergency medical procedures and services including hospital, emergency room, and walk-in clinic visits, doctor’s consultation, prescription drugs, diagnostic tests and scans, repatriation, and more.
The following is a list of commonly covered situations for a visitor to Canada insurance plan:
- Physician consultations: Doctor’s or physician’s fee and in some cases, follow-up visits with the doctor
- Prescription drug coverage: Cost of medicines prescribed for an emergency that occurs after the policy has come into effect
- Pathological tests or diagnostic procedures: Coverage for various diagnostic procedures including blood work, X-rays, CT scans, MRI, and more. The diagnostic tests and scans should be related to the medical emergency that occurs after the policy’s start date
- Paramedical services: Services by licensed professionals such as physiotherapists, chiropractors, podiatrists, or massage therapists. These services are covered if they are necessary due to a medical emergency.
- Pre-existing condition coverage: Some insurance plans offer coverage for pre-existing conditions, which can be crucial for visitors with ongoing health issues.
- Emergency dental care Some insurance plans provide coverage for emergency dental treatment or surgery that may have resulted from an accident or sudden injury.
- Accidental death and dismemberment (AD&D): One-time lump sum amount in case of severe accidents that may lead to the death or loss of limbs of the insured.
- Ambulance transportation: Visitors’ health insurance covers the costs of ambulance services—whether ground or air—needed to transport the visitor to the nearest hospital or medical facility during a medical emergency.
- Repatriation: Insurance can cover the costs of emergency medical evacuation back to your home country, which can be a significant cost without coverage.
- Hotels, meals, taxis: If a medical emergency requires a visitor to extend their stay in Canada for treatment or recovery, the insurance can cover additional expenses for hotels, meals, and local transportation such as taxis.
- Childcare: If a visitor is hospitalized and unable to care for their dependent child, the visitor to Canada insurance may cover temporary childcare expenses. This ensures the child is safe and looked after while the insured individual receives necessary medical treatment, providing peace of mind during a stressful time.
- Trip break/Side trip: Some emergency medical insurance plans for visitors offer flexibility with a trip break or side trip coverage, which allows visitors to return to their home country for a short period or travel to another country without losing their insurance coverage.
The cost of a group health plan varies depending on the type of package an employer purchases with options such as basic, advanced, premium offering different levels of coverage. Each package offers different coverage and depending on who is covered, the premiums can vary. For small businesses, a benefits plan can cost about 5-15 percent of the total payroll on an annual basis.
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