Canadian travel insurance, explained properly

Coming to Canada, or leaving home?

Your coverage depends on which side of the border your health plan lives. Choose yours and we'll show you exactly what to buy, and what to skip.

Already know what you need? Get a quote →

Why it pays to compare

Same traveller. Same coverage. Very different price.

Insurers price the same person very differently, and the cheapest isn't always the right one. We compare, explain the trade-offs, and point you to the plan that fits your trip.

The catch: the lowest price can be the wrong plan if you'll ski the backcountry, ride a bike park, or have a health condition that needs a shorter stability period. That's what the rest of this site is for.
VisitorStayInsurer AInsurer BYou save
Age 2512 months$1,296$1,376$81
Age 4512 months$1,595$2,047$452
Age 656 months$1,199$1,569$370
Age 6512 months$2,405$3,147$742

Real quotes from two Canadian insurers, November 2026: visitor from the US to BC, $100,000 emergency medical, $0 deductible. Prices change and depend on your details.

What actually matters

Six things that decide whether a claim gets paid.

Ranked by how often they matter. Hover or tap a card for a real-life example.

See how this works for visitors →

How it works

Three steps. No phone calls.

1

Tell us about your trip

Two quick questions take you to the page built for your kind of trip.

2

Know what matters

We explain what's included, what to add and what to skip, in plain language.

3

Quote and buy online

Quote on the insurer's secure site. Your policy arrives by email within minutes.

Sky, our blue jay guide

Not sure what you need? Ask Sky.

Instant answers about coverage, eligibility and claims, in English or French, any time of day.

Good to know

Questions travellers ask us most.

Do I need travel insurance if I have a provincial health plan?
Yes. Your provincial plan pays only a small part of medical costs outside your province, and nothing for many things, like an air ambulance home. Travel insurance covers the emergency costs your plan doesn't.
I have coverage through work or my credit card. Is that enough?
Often not for longer trips. Many plans cover only a set number of days or have age limits. A top-up plan can start the day your other coverage ends.
Why don't you just sell one insurer?
Because no single insurer is best for everyone. One may be cheaper for a quiet visit, another may cover the bike park or a recent medication change. We show you the difference so you can choose.
What do I do if I need to make a claim?
Call the 24/7 emergency number on your policy before you're treated whenever you can. Keep every receipt and report, then file your claim with your insurer online.
Who are you?
Canada Travel Insurance is powered by Ocean Sun Financial Group, an insurance agency based in Whistler, BC. Your insurer is named on your policy.