Travel Insurance in Canada: Which Plan Do You Need?
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Not every traveller needs the same travel insurance in Canada, there are a lot of differences, especially when you are traveling to and from Canada. It all depends upon your scenario, following cards describes all in brief:
Visitor to Canada
- Tourist, TFWs, Immigrants
- Returning Canadians
- Work Permit, No Health Card
A Canadian going to vacation trip to USA, Mexico or anywhere in the world, need a travel insurance plan. Almost all provincial health care programs cover very limited out of province, and they are none when it comes to out of country. When it comes to emergency medical insurance plan, it is not one fit all, A Canadian traveler going to USA for multiple business trips a year, need different plan then applying for Schengen visa.
Our recommendation and cheapest is RIMI Secure Travel, one fit all situations is further described in this article.
Some news articles, where buyers end up with a massive medical bill, despite of having travel insurance, but may not have the right one: –
So you should not have surprises at claim, to make it easier, we divided into two types
- Canadians travelling outside Canada.
- People travelling to Canada.
Choose the section below that matches your situation, learn what coverage you need, and compare plans before you buy.
Travel Insurance needs for Canadians Travelling Abroad
If you live in Canada and are travelling outside the country, your provincial health plan may only provide limited coverage—or none at all—for emergency medical expenses.
Whether you’re travelling to the United States, Europe, Mexico, Asia, or anywhere else in the world, unexpected medical bills can quickly become expensive.
Travel insurance in Canada is commonly purchased for:
- Vacations, cruises, family trips and group travels
- Business trips, annual multi trip plans, single trip plans
- Canadians studying abroad, short term or long term courses
- Multi trips (truckers and employees) to USA for business and job
- Visa applications such as Schengen visa
We have all top Canadian companies, cheapest and best from RIMI Secure Travel, to Manulife and Allianz Global Assistance. All these offer plans for vacations, business annual single trips, Canadians studying abroad and visa applications.
If you are a Canadian truck driver, and driving to United States, you need multi trip emergency medical insurance. Manulife offer multi trip plans, and cover truck drivers also. If you are not driving to US, you might need this coverage for out of province truck driving. Still you might need to understand the concept of first payor, and second payor, mostly travel insurance in Canada have a catch, providers are second payor.
Please note that policy definitions and conditions change overtime, the best is to read the policy wording before purchase. The best is all Canadian insurance companies have worldwide support toll free numbers, they send you in the email upon purchase, so call at that number in case of emergency.
If you are a trucker and need disability plan with inbuilt travel insurance, this Edge Benefits plan might fit your needs.
Insurance needs for People Travelling to Canada
Visitors to Canada are generally not covered by provincial health insurance. If you become sick or injured during your stay, even a simple visit to an emergency room can result in a large medical bill.
Visitor to Canada emergency medical insurance is recommended for, this covers all applicants of travel insurance in Canada such as:
- Parents and grand parents visiting family on super visa
- Work permit holders, temporary foreign workers
- Spouses waiting for health card
- Family members waiting for permanent residency
- Returning Canadians waiting for province health care plan to kick in
- Visitors to Canada
All top Canadian companies listed in this table.
Top Canadian Companies – Cheapest Onwards
| Provider – $100K Price | Coverage Amount | Plan Highlights |
|---|---|---|
| Trustone / Ingle Price from $45/Month – Get Quote No Health Issues Get Quote With Health Issues | $25,000 to $200,000 | High approval rate, good support, monthly payment options. Up to 85 years, under written by IA |
| RIMI / Secure Travel From $80/Month Check Price and Policy Wording | $25,000 – $1M | Only the company with $1 Million coverage, Flight accident, AD&D included, easy monthly payments, smooth refunds. Coverage up to age 89, under written by IA |
| Travel Shield Plan from $80/Month – Check Here | $25,000 – $300,000 | Quick refunds, easy application, offer walk in clinic, monthly payments, upto age 85 |
| Travelance – Plan from $120/Month – Get A Quote | $25,000–$300,000 | Family-friendly rates, easy installments, good company, quick support, upto age 84, Old republic is underwriter |
| GMS Plans from $130/Month – Your price is here | $25000 – $300,000 | Simple claim process, one plan for all, easy application, up to age 79 |
| Destination Travel Coverage from $130/Month – Price and Policy Wording | $15,000 – $300,000 | Good prices, monthly payment, quick support. |
| Manulife – Options from $150/Month Check Price here | $100,000–$300,000 | Strong network, flexible top-ups, Manulife brand, great company |
| Allianz Global Plans from $180/Month Your Quote Here | $25,000 – $300,000 | Worldwide assistance, global recognized provider, up to age 80 |
| Tugo -From $180/Month Price and Policy Wording here | $100,000 onwards | Good company for short stability periods, under written by IA |
Please read the exclusion section of policy wording, mostly they wont cover
- Travel against travel advisories
- Participating in illegal activities at destination
- Health issues with in stability period
- Participating in dangerous sports
- Diagnosed with certain type of cancers and terminal illnesses
We’ll help you compare plans from multiple insurance companies and explain the differences in coverage, deductibles, eligibility, and pricing so you can choose the best travel insurance in Canada, never have surprise at the time of claim.
If you’re unsure which plan is right for your situation, contact us
