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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Companies Reviewed


Quotes Collected


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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

We requested quotes from ten travel insurance companies for their most affordable plan for a trip to Canada. The below quotes are for a 30-year-old traveler from Florida, traveling to Canada for ten days in September 2024, with a total trip cost of $4,000. Policies include coverage for cancellations, interruptions, delays, medical care and evacuation.

CompanyMost Affordable PlanCost
FayeTravel Protection$188.89
Seven CornersTrip Protection Basic$115.00
Berkshire HathawayExactCare Value$111.00
AIG Travel GuardEssential$95.80
TrawickSafe Travels Protect$85.85
Travel Insured InternationalWorldwide Trip Protector$141.00

These quotes were collected in April 2024 for a trip in September 2024.

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.


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)


How much travel insurance do I need for Canada? ›

All Manulife CoverMe® Travel Insurance for Visitors to Canada plans fulfill the super visa travel insurance requirement as long as you have the minimum coverage amount of $100K and are covered for 365 days from the day you arrive.

Will my US health insurance cover me in Canada? ›

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.

What insurance do I need to enter Canada? ›

Visitors traveling to Canada and to any country outside of their home country should have 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. To learn more, visit Visitors Insurance and you can request a quote.

Do I need extra health insurance to travel within Canada? ›

Not all Medical Expenses are Covered by OHIP

The fact is provincial health insurance plans will only cover some medical expenses. Therefore, you should always protect yourself by purchasing medical insurance when travelling within Canada.

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.

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 Canada accept American Medicare? ›

In general, Medicare only covers recipients while in the United States. This means that if you have Medicare and you travel to Canada, your healthcare costs will not be covered, even if the services or medications provided would normally be covered in the United States.

Can you use Medicare in 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.

Can US citizens go to Canada for free healthcare? ›

Do tourists get free healthcare in Canada? No. However, it is possible for non-residents to get emergency healthcare coverage while in Canada (but it won't cover non-emergency expenses). This is highly recommended no matter whether you're visiting the country for one week or multiple months.

What do U.S. citizens need to travel to Canada? ›

Entry into Canada: Canadian law requires that all persons entering Canada carry proof of citizenship and identity. A valid U.S. passport, passport card, or NEXUS card satisfies these requirements for U.S. citizens. Children under 16 only need proof of U.S. citizenship.

Does my car insurance cover me in Canada? ›

U.S. car insurance covers you while driving in Canada, even with a rental car. Make sure you talk to your insurance company before your trip, so you have the proper documents.

What can you not bring into Canada? ›

Restricted/prohibited goods

Firearms and weapons: You must declare all weapons and firearms at the CBSA port of entry when you enter Canada. Food, plants, animals and related products: All food, plants, animals, and related products must be declared. Food can carry disease, such as E. coli.

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.

Why is travel insurance to Canada so expensive? ›

Unlike India and other European countries, the countries such as the US and Canada do not have a nationally regulated medical body. They do not have a government hospital in each city. Thus, private hospitalisation, consultation, and care procedures in US and Canada are costly.

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 travel insurance is enough? ›

How much travel medical insurance do you need? Squaremouth, a travel insurance comparison site, recommends buying at least $50,000 in emergency medical coverage for international travel. For travelers going on a cruise or to a remote destination, the site recommends at least $100,000 in coverage.

Is 50000 enough medical travel insurance? ›

Every plan is different, but the coverage amounts and benefits may vary. Determine how much you really need. For example, SquareMouth recommends international travelers get around $50,000 in Emergency Medical coverage and $100,000 for cruises or travel to remote areas.

What percent of trip should travel insurance cost? ›

Travel insurance is not one-size-fits-all, so the price and conditions of a plan will vary. However, it may be useful to understand pricing guidelines to plan your travel insurance purchase. In general, you should expect a plan will cost anywhere from 4%-10% of your total pre-paid, nonrefundable trip cost.

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