Travel Insurance

If you plan to travel outside Canada ‒ even for a day in the United States – you should buy travel health insurance before you leave. If you are flying, make sure you get insurance for trip interruption, lost luggage and document replacement. If you are driving, make sure you have driver and vehicle coverage in case you have an accident.

Why you should buy Travel Health Insurance

  • Your Canadian health insurance may not pay your medical fees while you are outside Canada
  • Your provincial or territorial health plan may cover none, or only a small part, of the costs of your medical care abroad. It will never pay your bills up front
  • Foreign hospitals can be very expensive and may require immediate cash payment
  • In some countries hospitals and clinics will not treat you if you do not have enough insurance or money to pay your bills
  • The Government of Canada will not pay your medical bills

    What travel health insurance should cover

    1. Medical evacuation

    Make sure your policy covers medical evacuation to Canada or to the nearest place with appropriate medical care. The policy should also cover the costs of a medical escort to travel with you to your final destination.

    2. Pre-existing medical conditions

    3. Repatriation in case of death