Posted on Jun 13th, 2022 by Heena Ganotra, Last updated on Aug 8th, 2022
Looking for the best travel insurance in Canada? That’s a wise decision! Traveling without insurance can be quite troublesome. If you’re lucky, everything goes smoothly and you don’t experience any issues like health scares, injuries, lost baggage, theft, etc. However, accidents can happen unexpectedly and you end up paying out of your pocket for them. A cheap travel insurance Canada can help you avoid unexpected expenses.
Travel insurance is a policy that protects you and covers unforeseen or unexpected expenses on a trip. It covers things like flight delay or cancellation-related costs, medical or hospitalization expenses, lost luggage costs, theft or loss of expensive items, and more. Different insurance policies offer different levels of protection.
It is best to compare travel insurance and see which one is most effective and offers good coverage based on your budget. Always include the cost of travel insurance when you plan your travel budget. It is the most essential expense to consider because traveling without insurance can end up causing a lot of trouble.
Like all insurance policies, what travel insurance covers can vary from one policy to another. That’s one of the reasons why research and comparison are necessary. Let’s look at some of the basics the best travel insurance Canada should cover:
The best quality travel insurance will cover all of the basics effectively at a reasonable cost. It is important for travelers to have a realistic idea of what the expenses will be like. For example, if you wish to carry an expensive device like a DSLR camera or an iPad Pro with you on the trip, make sure you have travel insurance with high personal belongings cover.
Look for insurance companies that offer assistance services as well. They can come in handy when you’re in an unknown place and don’t know how to get the help you need. The additional services may include:
These are some of the additional services a trusted travel insurance provider will offer. We still recommend double-checking the information or contacting the provider directly to know what kind of perks are offered.
When you look online, you will find several reputable insurance providers. You can find everything from top medical to low-cost travel insurance in Canada. However, determining which ones are best for you can be a challenge. We have some recommendations!
This insurance company is popular in British Columbia and is often rated as the top insurance provider in the region. It offers:
Like most insurance providers, BCAA offers dedicated emergency support, including a 24/7 emergency phone line and 365-days service.
CAA or the Canadian Automobile Association provides different kinds of travel insurance options to people from different places in Canada, including Quebec, Ontario, Niagara, and more. The company is often considered Canada’s most trusted brand. You can expect:
COVID-19 wasn’t covered by CAA travel insurance Canada before but since the Canadian government has allowed travel, the illness and related problems are also covered. We recommend reading your policy documents carefully before traveling. Membership provides additional discounts and benefits.
Blue Cross is one of the most trusted names and it provides very comprehensive insurance policies, which is one of the reasons why it is considered the traveller’s choice travel insurance. This company offers:
It may also be one of the best COVID travel insurance Canada for fully-vaccinated individuals. Read their COVID-19 sections carefully to see if they provide coverage according to your requirements.
Manulife has some of the best travel insurance plans and provides additional coverage for COVID separately. This means you may get travel insurance with up to $5 million coverage with an additional $1 million just for COVID-19.
Manulife insurance covers three generations and is often considered the best Canadian travel insurance for seniors. It is a trusted brand that even Air Canada partnered with in 2021.
As the name suggests, World Nomads travel insurance is popular with budget travellers, backpackers, and solo travellers. It has global coverage and is ideal for individuals who are likely to engage in a few high-risk activities like watersports, trekking, skiing, and more. Offerings include:
If you’re looking to go backpacking across the wilderness, this may be the best visitor insurance Canada. The company claims to be an insurance provider for travellers by travellers so their policies are often tailored to a backpacker’s unique requirements.
RBC is well-established insurance coverage that offers medical, life, auto, travel, and other such insurance coverage. There are many travel insurance options available that make it one of the best options for travel insurance inside Canada.
Their travel package is comprehensive and covers things like trip cancellation, baggage loss, flight or travel accidents, and more.
You can compare offerings from all of these companies to find the best cheap travel insurance plan for your trip. Make sure your policy covers everything you need to cover and is flexible enough to handle unexpected events. You can also call the insurance company.
Ans: You can get travel insurance directly from the insurance company’s website or insurance aggregator websites. Both options are reliable, but aggregator websites allow you to compare different policies and determine whether they’re suitable for you.
Ans: This depends on your insurance provider. If your trip is open-ended, it is a good idea to ask your provider if the insurance can be extended. You may also want to get long-term travel insurance in Canada in that case. If you are forced to remain at your destination due to unforeseen circumstances, let your insurance provider know immediately.
Ans: Different insurance providers have different claims processes. We recommend reading your policy document and the insurance provider’s requirements carefully before making the trip. Keep the provider’s number with you and let your travel companions know who to call.
To claim the insurance, you will need to call or email the claims number/email address. You need to keep all receipts of unexpected expenses, carry details of your insurance policy, and contact the local authorities in case of theft. Be sure to contact your insurance provider immediately after there is any sort of medical emergency or hospitalization.
Ans: Yes! Especially if you’re traveling internationally because the medical expenses in some countries may consume the entirety of your savings. Replacing a damaged or stolen passport can also end up being a bit of an expensive affair. It is best to have some form of coverage to handle these costs instead of going without insurance entirely.
Think you have found the best travel insurance Canada? Maybe it is time to book a ticket!
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A writer by both passion and profession, Heena Ganotra is "half agony, half hope" but all heart. And oh, she has been a book lover from the start! Her love for books is what convinced her to make a career in the wonderful world of words. She loves what she does and is out-and-out a satisfied soul with a wish to spread happiness like herpes. Insight- Some say she is living the best life anyone could because she reads, writes, travels, and makes merry. They’re right because what else does one really need! 🙂