Travel Insurance for Canada

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Canada, known for its breathtaking landscapes, diverse culture, and welcoming atmosphere, offers a multitude of experiences for travelers. From exploring the stunning national parks to immersing oneself in the vibrant cities, Canada has something to captivate every visitor. As you embark on your journey, it's important to prioritize your health, safety, and well-being.

When traveling to Canada from abroad, it's imperative to consider securing protection for your journey in the form of travel insurance, which can protect you in the event of an unexpected emergency while away from home.


What Is Canada Travel Insurance?

Travel insurance for Canada can give you the peace of mind you need to fully enjoy your visit to this beautiful country.

Canada travel insurance comes in two different types - trip insurance and travel medical insurance. While travel medical insurance is designed to offer coverage for medical expenses for emergency health situations, trip insurance can offer vital trip-related protection such as trip cancellation and interruption.

Travel Medical Insurance for Canada

Canada travel health insurance can offer a vital safeguard if you find yourself needing to seek medical care during your travels.

While Canada does offer universal healthcare for citizens and permanent residents, this free universal healthcare is not available for visitors or tourists in Canada, meaning that visitors will be responsible to pay for any medical care received in Canada.

Since healthcare can be particularly high for visitors to Canada, having a travel medical insurance plan is important to ensure that you have health insurance if you unexpectedly become ill or injured in Canada.

Canada travel health insurance can cover:

  • Hospitalization
  • Surgery
  • Urgent care
  • Prescriptions/medications
  • Emergency medical evacuation
  • Repatriation of remains

Trip Insurance for Canada

Another travel insurance option you have for Canada if you are traveling from the United States is trip insurance. Trip insurance offers protection for unexpected trip cancellations and other travel hiccups.

With trip insurance, the traveler will insure the total nonrefundable, prepaid cost of their trip. This can include things such as trip cancellation, trip delay, trip interruption, lost or stolen baggage, and accident and sickness.

With trip insurance, you can receive reimbursement for eligible lost prepaid funds related to your travels, such as the cost of your flight or accommodations, in the event that your trip is canceled, interrupted, or delayed due to a covered reason.

Canada trip insurance can offer coverage for:

  • Trip cancellation
  • Trip interruption
  • Trip delay
  • Baggage loss, delay, or damage
  • Emergency medical evacuation
  • Missed connections
  • Rental car collision coverage
  • Accident and sickness
Unsure of which type of travel insurance to choose? Read more about the differences between trip insurance and travel medical insurance to choose a plan that best suits your trip.

Frequently Asked Questions About Canada Travel Insurance

Q: Do I need travel insurance for canada?

Travel insurance is generally not required for most visitors to Canada. However, it is best to check the Government of Canada website for more information on requirements from your home country.

Q: What is the average cost of travel insurance in Canada?

The cost of travel insurance for Canada will vary based on the type of travel insurance you choose as well as other possible factors such as the length of your trip, age, trip cost, and more. Compare international travel insurance plans to find a policy that best fits your budget.

Q: Can I use my US health insurance in Canada?

Most US domestic health insurance plans will not offer medical coverage in Canada.

Q: How much travel insurance do I need for canada?

The amount of travel health insurance coverage to get for your trip to Canada is ultimately up to you. Consider factors such as your age and health. The higher your coverage, the more you will be protected in the event of a medical emergency.

Q: How do I get travel insurance for Canada?

Canada travel insurance can be purchased through VisitorsCoverage online in just a few minutes.

Q: Is travel insurance mandatory for Canada tourist visa?

In most cases, travel insurance is not mandatory to obtain a Canada tourist visa. However, medical costs in Canada can be extremely high, so travel medical insurance is highly recommended to stay protected abroad.

Q: Is travel insurance mandatory for Canada work visa?

If you are entering Canada through the International Experience Canada (IEC) program to work, health insurance is required for your entire time in Canada.

Q: What is the best travel insurance for visitors to Canada?

Visitors to Canada can compare travel insurance options to determine which travel insurance plan is best for their individual needs.

Canada Travel Insurance Requirements

Travel health insurance is not required for most visitors to Canada. However, some work visas, such as the International Experience Canada program, may require health insurance during your stay in Canada.

While travel insurance isn't required for Canada for visitors, it is still important to consider securing coverage with travel insurance to protect you in the event that you get sick or injured and need to seek medical assistance during your travels. Otherwise, you will be left to pay for your medical care out-of-pocket, as U.S.-based health insurance and Medicare will likely not cover you while in Canada.

What Is the Best Travel Insurance for Canada?

The best travel insurance for Canada will depend on the type of travel insurance you want and other factors such as your overall health and age.

To find the best Canada travel insurance plan, use our get quotes tool to compare policies and delve deeper into plan benefits and cost.

What to Know Before Your Trip to Canada

Before you leave on your journey to Canada, keep in mind the following:

  • Ensure that your passport is valid for at least three months beyond the return date of your trip.

  • Check the weather forecast ahead of time to pack appropriate clothing, especially in the winter time where temperatures can be freezing.

  • Canada uses the Canadian dollar (CAD) as its currency. Some businesses may accept US dollars, however, it is best to exchange currency to be safe and avoid high exchange rates.

  • While major Canadian cities offer public transport, it may be hard to travel outside of Canadian cities without a vehicle, so you may want to consider a rental vehicle if you are planning on adventuring outside of metro areas.

Health and Safety

Ensuring your health and safety is crucial when traveling to Canada. Here are some key points to consider:

  • Prioritize your well-being by maintaining good hygiene practices, such as washing your hands regularly.
  • Familiarize yourself with the healthcare system in Canada and ensure you have adequate travel insurance to cover any medical expenses.
  • Carry necessary medications and copies of prescriptions in your carry-on luggage.
  • Stay hydrated and protect yourself from extreme weather conditions, especially during winter months or in outdoor wilderness areas.
  • Adhere to any public health guidelines or advisories, especially during times of disease outbreaks or pandemics.


While Canada is generally considered a safe country for tourists, it's important to be aware of potential risks and take necessary precautions:

  • Be vigilant in crowded tourist areas, especially in major cities, and keep an eye on your belongings to prevent theft or pickpocketing.
  • Avoid leaving valuable items unattended, both in public places and in vehicles.
  • Stay in well-lit and populated areas, especially at night, and be cautious when walking alone.
  • If you rent a car, don't leave any valuables visible inside the vehicle and always lock the doors.
  • Familiarize yourself with the local laws and customs to avoid unintentional offenses.
  • In case of emergency or if you witness a crime, contact the local police by dialing 911.

Transportation Security

When it comes to transportation security in Canada, here are some key points to ensure your journey is secure and hassle-free:

  • Follow all safety instructions and guidelines provided by transportation providers, whether you're traveling by air, train, bus, or ferry.
  • Keep your belongings secure and within sight while using public transportation or at transportation hubs.
  • Be cautious of your surroundings when using ridesharing services or taxis and ensure they are licensed and reputable.
  • If renting a vehicle, familiarize yourself with local driving laws and regulations, and always wear seatbelts.
  • Secure your vehicle and belongings when parking, and avoid leaving valuables visible inside.

Road Safety

Exploring Canada by road can be a rewarding experience, but it's crucial to prioritize safety on the highways. Here are some key points to consider for a safe road trip:

  • Observe and obey speed limits, traffic signs, and road regulations.
  • Stay alert, especially in remote areas, and be cautious of wildlife crossing the roads.
  • Plan your journey, including rest stops and refueling, to avoid driver fatigue.
  • Ensure all occupants of the vehicle wear seatbelts at all times.
  • Be prepared for changing weather conditions, especially during winter, and equip your vehicle with appropriate tires and emergency supplies.

Wildlife and Nature

Canada's abundant wildlife and stunning natural landscapes offer incredible opportunities for exploration. Here are some key points to ensure a harmonious and safe encounter with the country's wildlife:

  • Observe wildlife from a safe distance and never attempt to feed or approach them.
  • Follow all regulations and guidelines when visiting national parks or protected areas.
  • Carry bear spray and know how to use it if you're visiting areas where bear encounters are possible.
  • Leave no trace and respect the natural environment by properly disposing of waste and refraining from littering.
  • Stay informed about potential hazards, such as avalanches or unpredictable weather, when engaging in outdoor activities.

Natural Disasters

While Canada is relatively safe from major natural disasters, it's important to be aware of potential hazards and be prepared. Here are some key points to be aware of and prepared for in case of natural disasters:

  • Familiarize yourself with the specific natural hazards in the region you plan to visit, such as wildfires, earthquakes, or severe weather conditions.
  • Stay updated on weather forecasts and follow any warnings or advisories issued by local authorities.
  • Have an emergency plan in place that includes communication methods, meeting points, and essential supplies like food, water, medication, and important documents.
  • Follow the guidance and instructions provided by local authorities during natural disasters, including evacuation orders if necessary.
  • Take note of emergency shelter locations in the area you're visiting.
  • Consider purchasing travel insurance that covers trip disruptions or cancellations due to natural disasters.
  • Stay informed about emergency contact numbers for local authorities, such as police, fire, and medical services.

What to Do If You Get Injured or Become Ill in Canada

If you get sick or injured in Canada, it's important to first determine whether or not your condition is an emergency or can wait for a doctor's visit.

If your condition is life-threatening, visit the nearest emergency room or dial 911 for emergency services.

If your illness or injury is minor, you can find the nearest doctor or urgent care centre for treatment.

Be prepared to pay for your medical care upfront, out-of-pocket. If you have a travel insurance policy, be sure to ask your provider for itemized receipts of your treatment, any proof of payment, doctor's notes or your diagnosis, and prescriptions - you will need this information later when you file a claim for reimbursement.

Travel Resources for Canada

Please note that the content provided is intended as a general overview, and it is always recommended to stay updated on the latest information and follow local guidelines and regulations during your visit.

For comprehensive information on travel tips, attractions, accommodations, and more, please visit the official tourism website of Canada. This resource will provide you with valuable insights and help you plan an unforgettable trip to Canada.

Immerse yourself in the natural wonders, cultural diversity, and warm hospitality of Canada. By staying informed, respecting local customs, and prioritizing your safety, you'll have a memorable and enjoyable experience exploring the vast beauty of this incredible country. Enjoy your journey through the breathtaking landscapes and vibrant cities of Canada!