Best Travel Insurance for Canadians in 2026 – Compare Manulife, Allianz & RIMI
Travelling should not be worrying about unexpected medical bills, it should be about making unforgettable memories. We do not expect calling airline on lost luggage, flight delays, sitting under sunshine shores of Bahamas. It should be our travel insurance, like an umbrella covering unexpected voyage interruptions, that is why choosing best travel insurance is more important then searching for sea facing deluxe room. The great news is we already done it for you, without wasting any moment, check the prices in the table below, along with step by step video guide on buying best travel insurance.
Compare Travel Insurance Plans
| Insurance Company | Best For |
|---|---|
| Manulife Travel Insurance | Families, seniors, worldwide travel |
| Allianz Global Travel Insurance | Annual plans, international travel, trip protection |
| RIMI Travel Insurance | Affordable emergency medical coverage |
Table of Contents
Why Travel Insurance?
Almost all Canadians assume that provincial health card is enough to cover within and outside of Canada, but the hard truth is health cards even does not cover completely with in the province. It is hard to digest but, when we think about health benefit plans, those exist because health cards wont cover more then emergency in home province, and when we are out of province, the coverages edges to end, and almost nothing out of country. As we know the Canadian health care system is good but very expensive for uninsured visitors, and hospitalization is skyrocketing in Europe, Asia and USA, for non residents.
What Does Travel Insurance Cover?
The best travel insurance help you protect from uncertain trip delays, unexpected medical emergencies, trip delays, lost luggage and trip cancelations. Notable benefits are:
- Emergency medical treatment
- Hospitalization
- Doctor and specialist visits
- Emergency surgery
- Prescription medications
- Ambulance services
- Emergency medical evacuation
- Air ambulance
- Trip cancellation
- Trip interruption
- Flight delays
- Missed connections
- Lost baggage
- Delayed baggage
- Accidental death and dismemberment
- Return of dependent children
- Emergency dental treatment
Please note there may be exclusions, limitations, waiting periods and specific eligibility needs for each plan, the best is to refer policy wording before payment, videos in above table explains how to get policy wording before payment
Why Every Canadian Should Consider Travel Insurance
The shortest answer is medical care outside Canada can be extremely expensive.
For example:
- A visit to an emergency room in the United States may cost several thousand dollars.
- Hospital stays can quickly exceed $10,000 per day.
- Emergency air ambulance transportation may cost more than $50,000.
Without travel insurance, these expenses are usually your responsibility.
For a relatively small premium, travel insurance can provide valuable financial protection and access to emergency assistance services 24 hours a day.
Comparing Manulife, Allianz and RIMI Travel Insurance
These are the three best travel insurance companies, there benefits, plan restrictions, and scope of coverage may be different.
Manulife Travel Insurance
Manulife is one of the best travel insurance companies in Canada, they offer global support and all type of plans to cover you everywhere. They offer two types of travel insurance plans
Single Trip Plans
Single trip plans are good for vacation, all inclusive packages, short term travel needs.
For example if you are a Canadian, traveling to USA for vacation, single trip plan is good enough for you, or you are applying for Schengen visa for a Europe trip, this plan will cover all unplanned happening. Highlights include:
- Emergency medical coverage
- Trip cancellation and interruption
- Loss of Luggage
- Air Ticket Cancelation
- Top ups and trip extensions
Multi-trip plans
If you are going to USA as a truck driver from Canada, this is the plan for you. People living in Canada and working in USA often do multiple trips to states per year, so this plan is best for you.
Manulife is often a strong choice for Canadians looking for comprehensive coverage backed by a well-established insurer.
This is Manulife toll free number for medical emergencies – 1-800-265-9977
If you have any questions regarding purchase, call or WhatsApp +1-437-238-8119
Allianz Global Travel Insurance
Allianz global is another global travel insurance provider, offers best plans for visitors, business trips and groups. Allianz global offer worldwide support for all travel insurance products.
RIMI Travel Insurance
RIMI is known for providing competitive pricing and straightforward travel medical insurance plans.
It may be a good option for travellers looking for:
- Affordable emergency medical coverage
- Single-trip plans
- Flexible coverage options
- Online application process
RIMI is becoming increasingly popular among Canadians looking for value while maintaining quality protection.
Please note, if you are looking for super visa insurance, it is not for Canadians traveling abroad, it is for people visiting Canada on super visa.
Which Travel Insurance Company Is Best?
It is really hard to pick the best travel insurance company, however the right policy depending upon following factors:
- Your age
- Your destination
- Length of your trip
- Medical history
- Existing health conditions
- Activities planned during your trip
- Desired coverage amount
- Budget
Comparing quotes from multiple insurance providers is often the best way to find coverage that meets your specific needs.
Tips Before Buying Travel Insurance
Before purchasing a policy:
- Buy insurance before your trip begins – Yes, to avoid unnecessary waiting periods, buy when you are in home country.
- Review your coverage limits – It is not one fits all, there are coverage limits, review dollar amount limits before purchase.
- Ongoing medical conditions – Check whether pre-existing medical conditions are covered, they might deny your claim based on pre existing medical conditions. Mostly, credit card insurances does not cover pre existing medical conditions.
- Stability period – This is kind of a hidden catch, when you buy any travel insurance with pre exiting medical conditions, always review the stability period clause. Mostly it is 90 days, means if you have any ongoing health issue, it must be stable in last 90 days before the effective date of policy.
- Understand exclusions – Always look into list of exclusions, mostly these are not going into war area, not traveling against doctor`s advise, illigal activities at vacation spots, participating in dangerous sports etc. Mostly these are excluded from the coverages, read policy wording for more.
- Keep a copy of your policy while travelling.
- Save the emergency assistance phone number in your phone. Manulife – 1-800-265-9977, Allianz – 1-800-654-1908, RIMI MSH Assistance – 1-833-774-2700
Taking a few extra minutes to review your policy can help avoid surprises if you ever need to make a claim.
Frequently Asked Questions
Is travel insurance worth buying?
Yes, all insurance products worth it, when they bought as per needs, health issues and coverage amounts. Travel insurance help you to protect from medical emergencies, flight cancelations, luggage loss and other travel related expenses.
Does OHIP cover medical expenses outside Canada?
Ontario health insurance program or OHIP provides very limited coverage outside Ontario. Most travellers purchase travel insurance to help cover eligible emergency medical expenses abroad.
How much does travel insurance cost?
The cost depends on several factors, including your age, destination, trip length, coverage amount, and medical history. On the top of it, plan type, such as medical coverage, all inclusive or comprehensive plans are comparatively expensive then others.
Can I buy travel insurance online?
Yes. Many travel insurance plans can be purchased online in just a few minutes, making it easy to compare coverage options before you travel. Click on any of the following buttons to buy now: –
Travel Insurance for Canadians Traveling Abroad
What is the best travel insurance for seniors?
The best option varies depending on age, health, destination, and trip duration. Comparing quotes from multiple insurers helps you find the most suitable coverage
If you have questions about choosing the right plan, we’re happy to help you compare options and find coverage that matches your travel needs.
