Emergency medical travel insurance should be purchased before departure, and trip cancellation coverage should be purchased at the time of booking, since it applies to covered events occurring after the policy takes effect.

Travel insurance

One hospital bill abroad can cost more than the trip.

Q: Doesn’t my provincial health plan cover me abroad?

Provincial health plans typically reimburse only a small fraction of out-of-country emergency medical costs, leaving a significant gap that travel insurance is designed to cover.

Q: What about my credit card coverage?

Credit card travel coverage is often limited by benefit caps, maximum trip length, and age restrictions, so it should be reviewed before being relied upon as sole coverage.

Q: Are pre-existing conditions covered?

Coverage of pre-existing conditions depends on the plan’s stability clause, which varies by insurer and determines whether related claims are paid.

Q: Single trip or annual plan?

Travellers taking more than roughly two trips per year often find annual multi-trip plans more economical than single-trip policies, subject to per-trip duration limits.

Emergency medical travel insurance for Canadians — so a health emergency on holiday doesn’t become a financial emergency at home.

The basics

What does travel insurance actually cover?

Emergency medical travel insurance pays for hospital and medical care if you get sick or injured while travelling outside your province or country — the costs your provincial health plan largely won’t.

Provincial coverage stops at the border in any meaningful sense: a few hundred dollars a day against a foreign hospital bill that can run tens of thousands. Emergency medical is the core; trip cancellation, interruption, and baggage cover the other ways a trip can go wrong.

Emergency medical

Hospital, doctor, diagnostics, and emergency transport while you’re away.

Trip cancellation & interruption

Recover prepaid costs when a covered reason cancels or cuts short the trip.

Single trip or multi-trip

Cover one holiday, or an annual plan if you travel more than once a year.

Get covered

Quote your trip in a few minutes.

Answer a few questions about your trip and travellers, and see coverage and pricing right away. If you have a health condition or you’re unsure which plan fits, call me first — that’s the part worth getting right.

Instant quote

Travel insurance for Canadians

Get a quote for your next trip on our insurance partner’s secure form — single trip or annual multi-trip.

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Quote my trip → or talk to Harpreet first

The quote and application are provided by our insurance partner and completed on their secure form above. Coverage, eligibility, pricing, and terms are set by the insurer and subject to the policy; information you enter goes to the insurer, not to us. Questions before you buy? Book a free call — there’s no extra cost for going through a licensed advisor.

Common questions

Questions people ask

Doesn’t my provincial health plan cover me abroad?

Barely. Provincial plans typically reimburse only a small fraction of out-of-country emergency costs. The gap between that and an actual foreign hospital bill is what travel insurance exists to cover.

What about my credit card coverage?

Check the limits, age rules, and trip-length caps. Card coverage can be a useful base but is often capped, limited to shorter trips, and reduced at older ages. Read what you actually have before relying on it.

Are pre-existing conditions covered?

It depends on the plan’s stability clause. Many plans cover conditions that have been stable for a defined period before departure; the definition of “stable” varies by insurer and decides whether a related claim pays. This is the single most important thing to check.

Single trip or annual plan?

If you travel more than about twice a year, an annual multi-trip plan is often cheaper than buying single-trip cover each time. Annual plans limit the length of each trip, so match that to how you travel.

When should I buy?

Emergency medical: before you leave. Trip cancellation: as soon as you book — cancellation coverage only helps for events that happen after the policy is in force.

Let’s talk

Travel covered — in minutes.

Quote it yourself in a few clicks, or book a free call if there’s a health condition in the picture and you want the fine print read properly first.

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Harpreet Singh · Licensed advisor (LLQP, Ontario) · Proudly Canadian. This page is general information only — not insurance, medical, or travel advice. Travel insurance is subject to eligibility, the application, and the terms, conditions, exclusions, and stability clauses of the individual policy, which vary by insurer. Quotes and applications are completed on the insurer partner’s platform. Speak with a licensed advisor about what is appropriate for your trip and health situation.