Travel Insurance for a Canada Vacation (2024) (2024)

Compare Canada Travel Insurance Companies

CompanyAverage Plan CostCFAR CoverageCOVID-19 CoverageBBB RatingVisit Site

Our Top Pick

Travel Insurance for a Canada Vacation (2024) (5)FayeGET QUOTE

$298Yes, up to 75%YesNot RatedGET QUOTE

Travel Insurance for a Canada Vacation (2024) (6)TravelexGET QUOTE

$212Yes, up to 75%YesA+GET QUOTE

Travel Insurance for a Canada Vacation (2024) (7)Nationwide Travel InsuranceGTE QUOTE

$175Yes, up to 75%Yes, limitedA+GTE QUOTE

Travel Insurance for a Canada Vacation (2024) (8)Seven Corners Travel InsuranceGET QUOTE

$216Yes, up to 75%YesA+GET QUOTE

Travel Insurance for a Canada Vacation (2024) (9)Trawick InternationalGET QUOTE

$212Yes, up to 75%YesBGET QUOTE

Travel Insurance for a Canada Vacation (2024) (10)Generali Global AssistanceGET QUOTE

$255Yes, up to 60%YesA+GET QUOTE
$227Yes, up to 75%Yes, limitedA+GET QUOTE

Travel Insurance for a Canada Vacation (2024) (12)HTH Travel InsuranceGET QUOTE

$221Yes, up to 75%Yes, limitedA-GET QUOTE
CompanyBBB RatingAverage Plan CostCFAR CoverageCOVID-19 CoverageVisit Site

Our Top Pick

Travel Insurance for a Canada Vacation (2024) (13)FayeGET QUOTE

Not Rated$298Yes, up to 75%YesGET QUOTE

Travel Insurance for a Canada Vacation (2024) (14)TravelexGET QUOTE

A+$212Yes, up to 75%YesGET QUOTE

Travel Insurance for a Canada Vacation (2024) (15)Nationwide Travel InsuranceGTE QUOTE

A+$175Yes, up to 75%Yes, limitedGTE QUOTE

Travel Insurance for a Canada Vacation (2024) (16)Seven Corners Travel InsuranceGET QUOTE

A+$216Yes, up to 75%YesGET QUOTE

Travel Insurance for a Canada Vacation (2024) (17)Trawick InternationalGET QUOTE

B$212Yes, up to 75%YesGET QUOTE

Travel Insurance for a Canada Vacation (2024) (18)Generali Global AssistanceGET QUOTE

A+$255Yes, up to 60%YesGET QUOTE
A+$227Yes, up to 75%Yes, limitedGET QUOTE

Travel Insurance for a Canada Vacation (2024) (20)HTH Travel InsuranceGET QUOTE

A-$221Yes, up to 75%Yes, limitedGET QUOTE

No results were found.

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Our editorial team follows a comprehensive methodology for rating and reviewing travel insurance companies. Advertisers have no effect on our rankings.

20

Companies Reviewed

500

Quotes Collected

36

Rating Factors

Do I Need Travel Insurance for Canada?

There are no requirements for U.S. citizens to have travel insurance coverage as a condition of entry to Canada. However, most Canadian hospitals do not accept U.S. health insurance or Medicare. Travel insurance can help cover unexpected health care costs while traveling to Canada, along with unexpected trip cancellations.

Whether you’re mountain biking in Quebec or enjoying winter sports in Alberta, adventure activities are popular on Canadian vacations. Travel insurance includes emergency medical coverage for injuries or accidents, including up-front medical costs. Some tour companies may require travelers to have medical insurance to participate.

Cancel for Any Reason Coverage

Standard travel insurance includes trip interruption coverage to recoup costs in the case of an unexpected cancellation or delay. But policies limit cancellation coverage to predetermined reasons, such as the death of family members, hospitalization or other emergency circ*mstances.

With cancel for any reason (CFAR) coverage, canceling a trip is at your discretion. For example, say you booked a flight and hotel to attend an event hosted by a Canadian resident, friend or family member. If the host cancels the event, CFAR coverage allows you to claim compensation for prepaid and nonrefundable costs (like your flight).

Most travel insurance providers offer CFAR coverage as an add-on to your standard policy, and it’s subject to rules that vary by plan. You typically have to purchase CFAR coverage within a set number of days from booking your trip, and claim eligibility may depend on limits such as canceling within 48 hours of your departure date.

Gear Theft Protection

For all-inclusive vacations that include ski resorts in Whistler or wildlife photography journeys in Banff National Park, many travelers choose to bring equipment to Canada. For a Canadian trip, you may wish to take the following gear:

  • Professional camera equipment
  • Cellphone
  • Laptop
  • Sports equipment including snowboards
  • Jewelry
  • Personal entertainment gadgets

A trip insurance policy with gear theft protection can guard against financial loss if you are traveling with valuables. If items are lost, damaged or stolen during flights or on tours, travel insurance can help you recover the costs. Your specific policy will include predetermined coverage limits, exclusions and deductibles, but you may choose to leave valuable items at home that you deem irreplaceable.

Medical Emergency Insurance and Emergency Medical Evacuation

Canada provides world-class hospitals and top-ranked health care in the event of a medical emergency. However, U.S. government health insurance plans do not pay for hospital costs, medical expenses or prescription drugs for visitors to Canada. But if you have private insurance, you can check with your provider to see if you have coverage while abroad.

Travel insurance or a travel medical plan can provide coverage if you need emergency assistance or have a pre-existing medical condition. Typically, travel insurance for medical emergencies covers a variety of expenses, including:

  • Hospital fees
  • Operating room charges and anesthesia
  • Ambulance rides
  • Emergency dental work
  • Lab tests and X-rays

Most travel insurance plans include emergency medical evacuation and repatriation if you can’t receive health care locally. This covers the cost of an evacuation to your home country or a major Canadian hospital.

Rental Car Protection

Canada requires and includes fire and third-party liability insurance with all rental vehicles. Liability insurance covers damage or injury to people or property outside the rental car from your effective contract date. It’s also mandatory to have collision and theft insurance.

Optional coverage is available to further reduce your risks while driving in Canada. Depending on the car rental company, you can purchase local car insurance to cover the following:

  • Personal effects protection
  • Personal accident insurance
  • Tire and windshield protection
  • Roadside protection

Travel insurance plans offer an additional safeguard you can combine with rental car insurance. While some companies include rental car coverage in comprehensive plans, other providers may offer coverage as a policy add-on. This coverage can help you recover the costs if the rental car is damaged.

Trip Cancellation Insurance

Should you need to cancel your Canadian vacation before departure, trip cancellation insurance offers reimbursem*nt for nonrefundable and prepaid costs. While this helps prevent financial loss, travel insurance policies include limits on eligible reasons to cancel. Most standard policies state the following reasons as applicable:

  • Hospitalization, serious injury or illness
  • Death of family members or traveling companions
  • Domestic or international acts of terrorism
  • Severe weather conditions, excluding some natural disasters
  • Jury duty or military orders

If you prefer the peace of mind of canceling for any reason, opt for CFAR insurance.

How Much Does Canada Travel Insurance Cost?

What you pay for travel insurance will depend on your age, trip details and coverage needs. Most companies provide single-trip plans, but others offer multi-trip plans to suit more frequent travelers. You can also explore options for cheap travel insurance options if you are on a budget.

Travel insurance quotes will reflect the following details:

  • Age and number of travelers in your group
  • Destination country and location
  • Total trip price

To give you an idea of travel insurance costs, we requested quotes from five leading providers based on a 35-year-old person from Florida traveling to Canada for seven days. The total trip cost is $1,200, including flights and accommodation.

Travel Insurance ProviderMost Affordable PlanAverage Cost*
AllianzOneTrip Basic$65
Seven CornersTravel Protection Basic$58
Trawick InternationalSafe Travels Single Trip$37
Generali Global AssistanceStandard$68
TravelexTravel Basic$68

*Note: We collected the above quotes from each company’s website in May 2023. Plans include coverage for trip cancellation, trip interruption, medical emergencies and baggage loss or delay.

How Do I Get Travel Insurance for Canada?

Before shopping for travel insurance products, check if your credit cards (including Visa and Mastercard) offer trip coverage. Your current health insurance may also extend medical coverage abroad, and airlines and hotels typically provide the option to add cancellation coverage when booking.

Otherwise, find the best quote and buy Canada travel insurance after comparing prices between providers. Choose a level of coverage that meets your travel and personal needs. For example, if you are participating in sporting activities in Canada, you may want to include higher medical coverage limits and gear protection.

Canada Safety Tips

In the following sections, we will discuss general travel and safety tips to help you enjoy your vacation to Canada.

Crime and Safety

The Canadian Travel Advisory issued by the U.S. Department of State is at Level 1: Exercise Normal Precautions. Canada ranks among the safest countries in the world, but crime still occurs.

As with travel to any country, basic safety recommendations include locking car doors and storing your valuables in a safe. Remain alert in crowded areas in case of pickpockets targeting tourists. Avoid political or economic protests since such events can be unpredictable.

Day Trips, Tours and Excursions

You can enjoy a range of excursions in Canada, including cycling tours, kayaking, wildlife watching and mountain climbing. If you plan to participate in adventure sports, check that your travel insurance policy covers accidents and injuries. Also, check with your health insurance provider to see if you already have medical coverage abroad.

It’s best to book a tour through authorized and trusted organizations. Ask your travel agent or hotel concierge service for recommendations. Alternatively, you can find information on the official Canadian tourism site.

COVID-19

The government of Canada has removed all COVID-19 restrictions for entry and travel around the country. Check with local authorities in the event of changes to pandemic travel restrictions. Although not required, the U.S. Center for Disease Control and Prevention recommends you remain up-to-date on routine and coronavirus vaccinations before traveling to Canada.

If you are worried about the impacts the coronavirus could have on your travel plans, we recommend a travel insurance policy with COVID-19 coverage.

The Bottom Line: Is Travel Insurance for a Canada Vacation Worth It?

Whether it makes sense to buy travel insurance depends on the terms and conditions of your travel arrangements. If you booked a flight, room, rental or transportation that offers refunds for cancellations, travel insurance might not seem necessary.

However, travel insurance can come with expanded medical protections that prove useful in an emergency, and CFAR insurance may offer you more flexibility if plans change. Shopping around and comparing costs for coverage can help you decide the right type of protection for your trip to the islands.

Frequently Asked Questions About Travel Insurance in Canada

Generally, airlines will only compensate you for a canceled flight if the airline is at fault. But even then, compensation is subject to a variety of restrictions. Travel insurance with trip cancellation coverage can safeguard you against unnecessary financial loss if your flight is canceled due to a covered reason. You can also purchase CFAR coverage for more flexibility regarding trip cancellations.

Travel insurance is not a legal requirement to visit Canada. U.S. residents can enter the country with a valid passport. However, Canada does not cover medical expenses for travelers, and you may risk financial loss due to unexpected trip cancellations. Travel insurance can offer a safeguard by providing these types of coverage.

Not all credit cards offer travel insurance. Most travel rewards cards provide some form of travel insurance and therefore may attract higher annual fees. We recommend you check with your credit card company to see if you have any travel benefits.

Most basic travel insurance policies cover the necessities, including trip cancellation and interruptions, emergency medical expenses, and baggage loss or delay. More comprehensive plans include higher coverage limits for trip interruption insurance, plus additional coverages like rental car damage, valuables coverage, sporting gear protection and more.

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Travel Insurance for a Canada Vacation (2024) (25)

Nicole Leigh WestAuthor

Nicole Leigh West is an experienced lifestyle journalist and writer for publications including Wanderlust, TripSavvy and Vacations & Travel. Along with roaming the globe and penning fiction novels, Nicole works for World Words as a sub-editor and writer.

Travel Insurance for a Canada Vacation (2024) (26)

Tori AddisonEditor

Tori Addison is an editor who has worked in the digital marketing industry for over five years. Her experience includes communications and marketing work in the nonprofit, governmental and academic sectors. A journalist by trade, she started her career covering politics and news in New York’s Hudson Valley. Her work included coverage of local and state budgets, federal financial regulations and health care legislation.

Travel Insurance for a Canada Vacation (2024) (2024)

FAQs

What travel insurance do I need for Canada? ›

To visit Canada, you need worldwide travel insurance to cover you for loss, damage and theft of your belongings, cancellation or curtailment of your trip, and public liability if you should cause accidental damage or injury. You'll need to choose worldwide travel insurance including Canada, USA and the Caribbean.

Do I need travel insurance for traveling to Canada? ›

Any visitor traveling to Canada should purchase visitors health insurance. Most domestic policies will only cover you in your home country and have little to no coverage once you are traveling abroad.

How much does travel insurance for Canada cost? ›

Compare Canada Travel Insurance Companies
CompanyAverage Plan CostCFAR Coverage
Nationwide Travel Insurance GTE QUOTE$175Yes, up to 75%
Seven Corners Travel Insurance GET QUOTE$216Yes, up to 75%
Trawick International GET QUOTE$212Yes, up to 75%
Generali Global Assistance GET QUOTE$255Yes, up to 60%
4 more rows

Will my US health insurance cover me in Canada? ›

U.S. health insurance plans typically do not cover regular and routine medical care required overseas. This means your health insurance won't pay for care if you need to visit a doctor for a prescription medicine, or if you need treatment for a condition that is not considered an emergency.

Why is travel insurance to Canada so expensive? ›

America's high cost of living is one of the top reasons behind expensive insurance plans. Not just the US, Canada is a well-developed nation with a high standard of living. From meals to daily utilities, sustaining your stay here is an expensive task.

Who provides the best travel insurance in Canada? ›

Top 10 travel insurance Canada plans
  • Blue Cross Travel Insurance Canada: Flexible plans for every need.
  • CAA travel insurance: Best for CAA members.
  • RBC travel insurance: Coverage from a reputed bank.
  • TD travel insurance: High coverage limits.
  • BCAA travel insurance: Budget-friendly options.

What happens if an American goes to the hospital in Canada? ›

If during your visit to Canada you get sick or injured, the Canadian government won't pay for any hospitalization or emergency medical services for visitors. Also, if you don't have proper medical insurance coverage, you will be liable to pay for any medical service out of your own pocket.

Does Canada accept American Medicare? ›

Healthcare services received beyond U.S. borders are not covered. Medicare may cover inpatient hospital costs, ambulance services or dialysis for the following circ*mstances: You are in the U.S. when emergency treatment is needed and the closest hospital is in a foreign country (e.g., Canada or Mexico).

Does Medicare cover me if I travel to Canada? ›

In most situations, Medicare won't pay for health care or supplies you get outside the U.S. The term “outside the U.S.” means anywhere other than the 50 states of the U.S., the District of Columbia, Puerto Rico, the U.S. Virgin Islands, Guam, American Samoa, and the Northern Mariana Islands.

Do Americans need travel insurance in Canada? ›

Many U.S. travelers flock to our northern neighbor to take in Canada's cultural experiences and stunning remote landscapes. While travel insurance isn't a requirement to enter Canada, it may be worth purchasing for the benefits, like medical insurance, trip cancellation and baggage coverage.

Does my car insurance cover me in Canada? ›

An American car insurance policy works the same way in Canada as it does in the U.S. Your comprehensive car insurance coverage and auto collision coverage, for example, still apply to damage to your vehicle if you're in an accident while driving in Canada.

Is Allianz travel insurance good? ›

We at the MarketWatch Guides team awarded Allianz Travel Insurance 4.1 out of 5 stars based on our provider review methodology. Named our pick for concierge services, Allianz offers 24/7 travel assistance through a multilingual team, which can help policyholders with travel and coverage issues while abroad.

When should I buy travel insurance? ›

When Is the Best Time to Get Travel Insurance? If you're wondering when you should buy travel insurance, the simple answer is as soon as possible. Ideally, you'll buy coverage no later than 15 days prior to your trip.

Should I bring my health insurance card overseas? ›

Understand what medical services your health insurance will cover overseas before traveling. Carry your insurance card and a claim form if your policy covers you outside the United States.

What does travel insurance not cover? ›

Most travel insurance policies won't pay out if you're negligent while under the influence of alcohol or drugs, and have an accident or have property stolen.

How much medical insurance cover do I need for Canada? ›

Medical care fees

Hospital and medical centre rates vary per location. Insured residents pay less for medical attention than foreign visitors to Canada do. Unless you're able to put $50,000 down - right out of your pocket - you should get travel health insurance to cover any medical costs while visiting Canada.

Is travel insurance the same as health insurance Canada? ›

While it's not technically health insurance, most travel insurance offers some coverage for medical emergencies. This cannot be used for routine care or any medical treatment related to a pre-existing condition.

Do I need special car insurance to go to Canada? ›

Canadian law requires U.S. citizens driving into Canada to provide proper proof of motor vehicle insurance. The good news is that both your IMT Insurance Policy includes Canada as part of your coverage territory.

Do I need international coverage for Canada? ›

There are a few places very close to the border where you will be able to pick up American cell phone towers but beware as you will be bounced from tower to tower in this area. For the most part you will need to contact your service provider and add an international plan on for the length of your stay.

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