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Cheapest Travel Insurance

There are several policy options available to ensure you get the coverage you need:

• Single trip emergency medical travel insurance: This type of policy covers you for a specific trip from the day you depart to the day you return. It typically covers most emergency medical costs including in-hospital care, diagnostics, prescriptions, and even return home services. This insurance keeps medical expenses affordable in otherwise unaffordable circumstances. 
  
  
• Multi trip emergency medical travel insurance: This type of policy is good for frequent travellers. It covers you in the same ways as a single trip policy only for all the trips you may take within the span of a year. The only caveat is that the trip does not exceed the policy’s maximum number of days, but there’s a lot of options to choose from so you can buy a policy that fits your travel style. 
  
  
• All inclusive travel insurance: This type of policy covers the works: emergency medical, trip cancellation/interruption, and baggage loss or delay. 
  
  
• Trip cancellation insurance: If you already have supplementary travel health insurance, then perhaps it's trip cancellation insurance you're looking for. Vacations can easily get derailed by events outside of your control - whether you become suddenly unwell, find yourself unemployed, or there's a death or illness in your family.
  

No one anticipates getting sick or injured when they’re on vacation, but it happens. We’re fortunate to have healthcare coverage in Canada, but it does not cover you to the same extent when you travel.

Once you click into our quoter, you will be prompted to select a trip destination:

This is simple enough if you are looking for Single Trip insurance, but what happens if you are going on a cruise or looking for an annual plan to cover multiple trips to several different countries?

• If you plan on visiting more than one country, select the country you will be visiting the longest.
  
  
• If you are spending equal time in several countries, on a cruise ship for example, just select one of the countries you will be visiting. It does not matter which one.
  
  
• If you will be in the USA for six or more days, select the USA as your trip destination, even if you will be spending more time in another country. 
  

The best time to purchase your travel insurance is before you leave. If you purchase it after you leave, you may find that you’re not covered for the full duration of your trip or are excluded from some policy benefits. As a result, it’s wise to start looking into your travel insurance options as soon as you know you’re going to travel. This will give you the time to shop rates for the best price (at Kanetix.ca of course!) and give you the time to review policy benefits and details. It will also give you the time needed, if you have a pre-existing condition, to complete any medical questionnaire that may be required and consult your doctor if necessary.

Medical bills accrued while travelling are not typically covered in full by your provincial healthcare plan or the Government of Canada. Far from it. It’s typically reported that only about 10 per cent of out-of-country medical care costs are covered, which is why the Government of Canada strongly recommends having supplemental travel health coverage, no matter how near or far you’re going, or how short or long your trip may be.

There are several factors that can impact how much your travel insurance will be:

• Where you’re going and how long you’ll be there.

• The type of coverage you need (whether it’s just emergency medical or a comprehensive package like an all-inclusive policy).

• The number of travellers you need to insure.

• Your age and any pre-existing conditions you may have.