Travel Insurance
in Canada
Emergency medical coverage, trip cancellation protection, and adventure sports add-ons for Canadians travelling outside their province, across Canada, or anywhere in the world. Same-day coverage available. Get your policy instantly online.
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Why travellers trust EGE Insurance
Why It Matters
Everything You Need to Know About
Travel Insurance in Canada
We compare travel insurance plans from top Canadian insurers and explain coverage clearly, so you can travel with confidence, not uncertainty.
Why Travel Insurance Matters
Provincial health coverage outside Canada is very limited. A single day in a US hospital can cost $10,000–$30,000. Travel insurance protects you from bills that could follow you home for years.
- OHIP covers nothing outside Canada since January 2020. The program was eliminated
- USA medical costs are among the highest in the world
- Some visas require proof of travel insurance to be approved
As a Result, How EGE Insurance Helps
As a result, as a licensed brokerage, we compare plans from 15+ Canadian insurers side-by-side. We explain deductibles, exclusions, and pre-existing condition rules in plain language, with no surprises.
- Clear comparison across top Canadian insurers
- Plain-language guidance on what is and is not covered
- Support from departure through to claims if you need it
Who Needs Travel Insurance
Travel insurance isn't just for long international trips. Any time you leave your home province, your provincial coverage may not apply fully, including travel within Canada.
- Canadians travelling to the USA, Europe, or anywhere abroad
- Travellers visiting destinations with Schengen visa requirements
- Anyone doing outdoor, high-altitude, or adventure activities
Coverage Types
Emergency Medical Coverage vs. Non-Medical Coverage
Travel insurance is not one-size-fits-all. Understanding what each coverage type protects helps you build the right plan for your trip.
Emergency Medical Coverage
The core of any travel insurance plan. Covers eligible emergency medical expenses if you become ill or injured while travelling, with coverage often up to $10 million.
- Emergency hospitalization and physician fees
- Ambulance and air ambulance transport
- Emergency surgery and diagnostic tests
- Emergency prescriptions and medications
- Emergency dental treatment (injury or sudden pain)
- Medical repatriation back to Canada when required
- Return of remains in the event of death abroad
Coverage subject to policy terms, stability requirements, and insurer eligibility.
Non-Medical Coverage
Protects your financial investment in the trip itself. Covers losses that have nothing to do with your health, such as cancellations, delays, or lost luggage.
- Trip Cancellation: if you cannot travel before departure
- Trip Interruption: if you must cut the trip short
- Flight Delay: meals and accommodation for significant delays
- Baggage Loss: reimbursement for lost or stolen luggage
- Passport Loss: replacement costs abroad
- Personal Liability: if you accidentally cause damage or injury
- Personal Accident: accidental death and dismemberment benefit
Non-medical coverage is often available as an optional add-on or bundled with medical plans.
Speak With an AdvisorThe Provincial Coverage Gap
Your Provincial Health Plan Has Limits Outside Canada
Many Canadians assume their provincial health card works abroad. In Ontario, OHIP covers absolutely nothing outside Canada since January 1, 2020, when the Out-of-Country Travellers Program was eliminated.
What provincial plans typically cover outside Canada
- OHIP (Ontario): up to ~$400/day for in-patient hospital care. US hospitals often charge $5,000–$30,000/day
- Most provinces reimburse at the home province rate, not the destination country rate
- Air ambulance, evacuation, and repatriation are typically not covered at all
- Provincial coverage often ends the moment you leave the country
Provincial out-of-country coverage rules vary and change over time. Always confirm your province's current policy before travelling.
Important: notify your insurer within 24 hours
If you need emergency treatment while travelling, most travel insurance plans require you to call the 24/7 assistance line as quickly as possible, ideally within 24 hours of receiving care. Late notification can affect how a claim is processed.
Trip Cancellation & Interruption
What Happens If You Cannot Go or Have to Come Home Early?
Trip cancellation coverage protects the money you've already spent on prepaid, non-refundable travel costs if an unexpected event forces you to cancel or cut the trip short.
Common covered cancellation reasons
- Sudden illness or injury of you or a close family member
- Death of a covered family member before departure
- Involuntary job loss after purchasing the policy
- Natural disaster or severe weather at your destination
- Government travel advisory issued after booking
- Mandatory quarantine or illness diagnosed before departure
Covered reasons vary by insurer and policy. Cancel for Any Reason (CFAR) upgrades are available on select plans.
Trip Interruption: If the Trip Is Already Underway
- Emergency return airfare if you must fly home early
- Unused, prepaid, non-refundable accommodation costs
- Additional accommodation costs if you are stranded
- Cost of a companion flying out if you are hospitalized
Planning an Adventure Trip? Standard Coverage May Not Apply
Standard travel insurance policies commonly exclude high-risk activities, particularly anything above 4,500 metres (approximately 14,800 feet) in altitude, or activities classified as extreme sports.
EGE Insurance can identify plans with adventure sports riders that extend coverage to high-risk activities.
Ask About Adventure CoverageChoose Your Plan Type
Single Trip vs. Annual Multi-Trip Travel Insurance
The right plan type depends on how often you travel and how long each trip typically lasts.
Annual Multi-Trip Insurance
One annual premium covers an unlimited number of trips throughout the year. Each trip is covered up to the maximum trip length shown in your policy (typically 15, 30, or 60 days per departure).
- Best for 2+ trips per year, usually more cost-effective
- No need to buy a new policy before every departure
- Convenient for business travellers and frequent vacationers
- Coverage begins automatically on each new departure date
Single Trip Insurance
Covers one specific trip with a defined start and end date. Ideal for longer trips that may exceed the annual plan's maximum trip length, or for travellers who only take one or two trips per year.
- Covers trips of any length, including extended stays
- Ideal for one long trip (e.g., 90–180 day snowbirds to Florida)
- Best value for travellers who take 1 trip per year
- Can include trip cancellation and non-medical add-ons
Not sure which plan fits your travel pattern? Our advisors will compare both options for your specific situation. Monthly payment options are available on select plans.
Call 416-477-1516Pricing
How Much Does Travel Insurance Cost in Canada?
Travel insurance costs depend on your age, destination, trip length, and coverage type. Here are typical starting ranges for Canadians in 2026.
| Traveller Profile | Typical Cost | Notes |
|---|---|---|
| Age 18–40, healthy, 1 week USA | $30–$70 | Single trip, $10M emergency medical |
| Age 41–55, healthy, 2 weeks Europe | $70–$130 | Single trip, includes Schengen coverage |
| Age 56–65, stable pre-existing conditions | $120–$280 | Depends on stability period and insurer |
| Age 66–75, stable pre-existing conditions | $200–$450 | Enhanced plan recommended |
| Annual multi-trip (under 55, healthy) | $200–$500/year | Unlimited trips, 15–60 day max per trip |
| Snowbird plan (90–180 day single trip) | $800–$3,000/season | Age and health dependent |
*Rates are estimates for illustration only. Actual premiums depend on the insurer, plan selected, deductible, and individual health profile.
6 Factors That Affect Your Premium
Choose a Higher Deductible
A $1,000 deductible on a single-trip plan can reduce your cost by 20–30% vs. a $0 deductible plan. EGE Insurance shows you both options side-by-side so you can decide what fits your budget.
Get a Free QuoteCompare Insurers
Best Travel Insurance Companies in Canada (2026)
EGE Insurance compares plans from 15+ Canadian insurers. Here are the top providers and what they’re best known for.
| Insurer | Max Medical | Stability Period | Best For |
|---|---|---|---|
| Manulife | $10M | 180 days | Comprehensive coverage, seniors |
| Allianz | $10M | 180 days | Trip cancellation, families |
| TuGo | $10M | 180 days | Adventure sports, flexible plans |
| Blue Cross | $5M | 180 days | Budget-friendly, wide network |
| GMS | $10M | 90 days | Pre-existing conditions, short stability |
| Travelance | $10M | 180 days | Snowbirds, long-stay plans |
| 21st Century | $10M | 365 days (standard) | Enhanced stability period options |
*Coverage limits, stability periods, and plan details vary. Always confirm with your advisor before purchasing.
Not sure which insurer is right for you?
EGE Insurance compares all 15+ plans side-by-side and matches you with the insurer most likely to cover your age, destination, and health history, at the best available rate.
Compare Plans and Get an Instant QuoteGot Questions?
Travel Insurance: Frequently Asked Questions
Does my provincial health plan cover me outside Canada?
What's the difference between single trip and annual travel insurance?
Are pre-existing conditions covered by travel insurance?
Trip Coverage, Cancellation & More Questions
Does travel insurance cover trip cancellation?
Does travel insurance cover adventure sports and high-altitude activities?
What should I do if I need medical treatment while travelling?
Is travel insurance required for a visa application?
How much does travel insurance cost in Canada?
Compare Travel Insurance Plans Today
Send us your destination, travel dates, and travellers' ages and we'll help you find coverage that fits your trip, including medical, cancellation, and adventure sports options.
