Canada Travel InsuranceReal quotes. Clear answers. The right coverage at the right price.
Whether you're visiting Canada, applying for a Super Visa, travelling abroad, wintering south as a snowbird or studying overseas, we compare real quotes from Canada's leading travel insurers side by side, so you see exactly what you get for the price.
Most sites just sell you a policy. We show you the research behind it, explain what's covered and what isn't in plain English, and help you buy with confidence.
Ask us anything, 24/7
Our assistant is trained on the full policy wordings of the insurers we recommend, so you get straight answers on what's covered, pre-existing conditions, Super Visa rules, adventure sports and claims, any time of day.
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Compare insurers side by side
Real prices from Canada's leading insurers for your exact trip.
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Get your custom quote
Choose your coverage and see your price in minutes, with no obligation.
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Buy online, or ask us first
Secure checkout on the insurer's site, or get answers from our licensed team.
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Instant confirmation by email
Your policy and a digital wallet card arrive in minutes, ready on your phone.
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Changed your mind? Get a refund
Cancel before your coverage starts and get your money back.
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Extend or top up anytime
Staying longer or need more coverage? Extend online or by phone before your policy ends.
Real quotes, side by side
Compare prices in seconds
Prices checked November 6–11, 2026
Visitor from the US to BC, age 25, 1 month, $100K emergency medical, $0 deductible.
TuGo ComprehensiveVisitors to Canada · Covers stable pre-existing conditions and side trips; sports option$113.13Get my price
How our insurers stack upShowHide
We ran this same trip through other well-known Canadian insurers, so you know our insurers are a strong buy, not just a convenient one. Same traveller, same dates, same coverage. Plans differ in the details, so price is only part of the picture.
| Insurer | Plan | Price |
|---|---|---|
| Manulife CoverMe | Visitors to Canada, Enhanced | $113.10 |
| Pacific Blue Cross | Visitors to Canada · Sold from $100,000 | $120.00 |
| Desjardins | Visitors to Canada · Sold from $100,000 | $121.80 |
| BCAA | Visitors to Canada · Price before deductible choice | $167.10 |
| RBC Insurance | Visitors to Canada Plan I / II · $50 deductible; no $100,000 plan | Not offered at this amount |
Illustrative prices from each insurer's public quote tool, checked November 6–11, 2026, for one healthy non-smoking traveller on the trip described above. Plans differ in what they cover, so check the plan details before you buy. Travellers 60 and over answer health questions, which can change the price. Rates change often and are not an offer of insurance. We are paid by the insurers you can buy through us: GMS, TuGo and Allianz.
Travel insurance explained
What to know before you buy travel insurance
Most people buy travel insurance without knowing what it covers. Here's what matters, in plain language. Pick a topic below, or go straight to a price.
Am I eligible for travel insurance?
Visiting Canada, working here, studying or waiting for provincial health coverage? You can usually get covered. Each policy sets its own rules, but these are the usual ones.
Visitors to Canada
- You're a visitor, foreign worker, international student, or a new immigrant waiting for provincial health coverage
- You don't already know of a reason you'll need medical care while you're here
- You're not travelling against a doctor's advice
Canadians travelling abroad
- You're covered by a provincial or territorial health plan, and keep it while you're away
- You're not travelling to get treatment, or against a doctor's advice
- Older travellers may answer a few health questions, and some plans have age limits
What does travel insurance cover?
Emergency medical travel insurance pays for sudden, unexpected illness or injury while you're away. It isn't a health plan for routine care.
Usually covered
- Hospital stays, doctors and surgeons
- Ambulance, and air ambulance to the right hospital
- X-rays, scans and lab tests
- Prescription drugs for the emergency
- Emergency dental care after an accident
- Getting you home for treatment, and bringing family to your bedside
- Follow-up visits for the same emergency
Usually not covered
- Routine check-ups and ongoing treatment
- Care you knew you'd need before you left
- Pre-existing conditions that weren't stable long enough
- Pregnancy close to the due date
- Injuries while impaired by alcohol or drugs
- High-risk sports, unless you add cover for them
Most plans cover a condition you already have if it's been stable, with no new symptoms, treatment or medication changes, for a set time before you leave. That time differs by plan and age.
Many workplace, retiree and credit card plans stop after a set number of days. A top-up plan covers the rest of your trip. How top-up works
How much does a hospital visit cost in Canada?
Canadian health care isn't free for visitors. These are British Columbia's published rates for people without provincial health coverage.
Three days in intensive care, in hospital fees alone. Doctors, surgeons, scans and lab tests are billed on top.
Sources: Vancouver Coastal Health non-resident rates, effective November 1, 2025 (rate list); BC Cancer rate schedule 2025–26 (ward); BC Emergency Health Services fees for people without BC coverage (ambulance). Rates vary by province and hospital.
What adventure and high-risk sports can I add?
Many travel insurance plans exclude high-risk activities. TuGo's optional Sports and Activities add-on covers the ones below, so you can ski, climb, dive or race and still be covered for emergency medical care.
Available with TuGo only
Age 21 and over and playing in a registered team or league? Football, ice hockey and rugby also need the add-on. Choose each activity when you buy, and you pay only for the highest-priced one.
What is trip cancellation and interruption insurance?
Medical insurance protects your health. Trip cancellation and interruption insurance protects the money you've paid for your trip.
Trip cancellation
Pays back your prepaid, non-refundable trip costs if you have to cancel before you leave for a covered reason, such as illness, injury, a death in the family or a travel advisory.
Trip interruption
If a covered reason cuts your trip short or delays your return, it pays for the unused part of your trip and the extra cost of getting home.
Some benefits only apply if you buy within a few days of your first trip payment.
I have coverage through work or my credit card. Is that enough?
Often not for longer trips. Many workplace, retiree and credit card plans cover only a set number of days, stop at a certain age, or leave out pre-existing conditions. A top-up plan can start the day your other coverage ends, so you're covered for the whole trip.
How do I make a travel insurance claim?
Call your insurer's emergency line before you get treatment, whenever you can. It's the single most important step.
Call first
Use the 24/7 emergency number on your wallet card. The insurer can direct you to a hospital and often pays it directly.
Keep everything
Save every receipt, medical report and bill, and ask for itemized copies.
Send your claim
Submit your claim form and documents to the insurer as soon as you can after you get home.