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Travel Insurance in Canada

KANETIX.ca's online quote comparison service for travel insurance brings Canadian travellers together with travel insurance providers in a one-stop shopping environment. Whether you're looking for travel medical insurance, top-up travel insurance, all inclusive travel insurance, or trip cancellation insurance, we can help you compare travel insurance quotes, policies and providers in minutes. Compare travel insurance quotes from leading Canadian travel insurance companies, pick your best rate and purchase it on the spot.

Through KANETIX.ca, not only can you compare free travel insurance quotes, but you can also compare policies that are designed to cover visitors to Canada insurance, Super Visa insurance and travel insurance for international students studying in Canada. We'll help you find cheap travel insurance, snowbird travel insurance, travel insurance for seniors, or various kinds of trip insurance online from many of the top travel insurance providers.

Introduction To Travel Insurance For Canadians

Your bags are packed; you're ready to go. Months of saving and arranging have gone into your dream trip. Then it happens - every traveller's worst nightmare - you break a leg, and you're far, far away from home.

It's a lot like Murphy's Law - if something can go wrong, it will probably happen during your trip or holiday. That's where travel insurance comes in handy: travel medical insurance products can cover you when unwelcome, unwanted, and unpredictable events occur.

Often, when people talk about travel insurance they're referring primarily to emergency medical travel insurance--it is, after all, arguably the most important component of a travel insurance policy. As a quick introduction to travel insurance in Canada, it is also commonly called travel health insurance, travel medical insurance, traveller's insurance and emergency travel medical insurance. For basic information, visit Travel Insurance 101 or explore other travel related questions and answers here or if you need clarity on travel insurance terms visit our travel insurance glossary.

However, there's often more to a travel insurance policy than just health insurance. Depending on the product, the right coverage can protect when:your baggage gets lost, if you become sick or injured, if you are forced to cancel your trip, and even if your tour operator goes bankrupt and so on. An annual travel insurance policy could provide emergency medical coverage for every trip you take within 12 months of buying your policy.

Whether you're travelling by plane, train or automobile, whether you're travelling for pleasure or for business - even if you're travelling over the border to the U.S. for cross border shopping - purchasing travel insurance that includes emergency medical coverage is a good idea. If you do decide to do some cross border shopping, make sure you have the travel requirements for Canadians visiting the U.S.

Travel insurance is a good idea even if you're only travelling out of province. Did you know that your provincial health insurance plan may not fully cover you when travelling out-of-province? If you're billed for a service that exceeds what your province typically pays for that service, you'll have to make up the difference. What's more, usually your provincial health insurance will cover you for physician and hospital services--but that's it. Anything else will likely be a cost out of your pocket. With an emergency medical travel insurance policy, you know you'll be covered for expenses arising from ambulance services, emergency dental work, and prescriptions needed as a result of an emergency.

For The Travel Insurance You Need, There Are A Variety Of Options

Because your provincial health insurance plan does not fully cover Canadians when travelling within Canada or travelling out-of-country, supplementary health insurance coverage can be obtained with any of the following policies:

Single Trip Emergency Medical Travel Insurance

One thing you really shouldn't take a chance with, is sickness or injury while travelling within or outside of Canada. In most countries, medical expenses can be extremely costly, often thousands of dollars a day. Emergency medical travel insurance can be a financial lifesaver.

Multi-Trip Emergency Medical Travel Insurance

This could be your most cost effective option if you travel frequently, or think it likely that you'll make more than one trip per year. Plans range from basic to comprehensive, and trips of up to 15 days are accommodated.

All Inclusive Travel Insurance

This covers most of the unwelcome events that a traveller could face, with the convenience of one purchase. All inclusive travel insurance is often a good value when compared to individual specialized policies, providing not only the basics like emergency medical, but, depending on the policy, also, trip cancellation and trip interruption insurance, coverage for baggage loss or baggage delay and more.

If you already have supplementary travel health insurance, then perhaps it's trip cancellation insurance you're looking for. Sometimes the best planned vacations get derailed by events outside of your control: you become suddenly ill, you find yourself unemployed, there's a natural disaster during hurricane travel season, or there's a death, illness or sickness in your family, which are real-life reasons why you may need travel insurance. With trip cancellation / interruption insurance, setbacks that are out of your control won't end up hitting you in the wallet.

Travel Insurance For Pre Existing Medical Conditions

Travel insurance coverage for people with pre-existing medical conditions can cover your health care costs should you become ill during your travels. A pre-existing condition typically means any medical condition which has been diagnosed, or had treatment recommended by a professional doctor. Policies may vary for cover on travel insurance with pre-existing medical conditions, so double-check the fine print in your policy to ensure your medical conditions are covered.

Canadian Travel Insurance Options Have Never Been Better

It cannot be overstated, things can get complicated, if not downright frightening, when medical emergencies and hospitalizations occur without adequate insurance. The right travel insurance plan can help to prevent small misfortunes while away from becoming big ones, and bad situations from becoming catastrophic.

You can purchase basic travel insurance that will cover things like emergency medical treatment and hospital stays, but you also have the option of buying policies that include extra bells and whistles. Benefits like a companion at your bedside, vehicle and pet returns, baggage delay etc. The key is to pick the level of coverage that you're comfortable with and that fits the type of trip you have planned.

If you are arranging any special excursions (i.e. mountain skiing, parasailing, zip-lining), pay special attention to the exclusions within the policy you are considering. Every policy varies, and you'll want to make sure whatever policy you purchase offers you the full range of benefits available.

Whether you're travelling to Mexico or Cuba (see requirements here), the Caribbean, Australia, India, Europe, the UK, Asia, or staying closer to home by travelling in the United States of America, we have the right travel insurance coverage for you (learn more about your travel insurance options). Senior travel is equally important and snowbird travel insurance quotes are also available.

Travel Insurance Resources From The Government Of Canada

Looking for more information about travel insurance in Canada and for Canadians abroad? The Government of Canada has many resources to help:

• Travel.gc.ca
• ServiceCanada.gc.ca
• Canadian Tourism Commission
• Citizenship and Immigration Canada
• Country Travel Advice and Advisories

Travel insurance quotes from KANETIX.ca are available for the following provinces: British Columbia, Alberta, Saskatchewan, Manitoba, Ontario, Quebec, Nova Scotia, and New Brunswick. The vast majority of travellers seem to visit us from Toronto, Calgary, and Montreal.

*The average savings found on KANETIX.ca for emergency medical travel insurance for single travellers, age 30 - 54, for single trips of 7 days, as compared with the published rates of 5 Financial Institutions for their equivalent emergency medical travel insurance. Actual savings vary depending on number of travellers, age, trip duration, and coverage selected. Based on research as of September 16, 2013.