Travel Insurance for Canada

Canada is big – it’s the second-largest country in the world after all – but you won’t have to look far to discover incredible fun. From breathtaking snow-capped mountains to urban hotspots, you’ll find memorable experiences in abundance. 

You’ll also be happy to know the country is generally considered safe, and the locals have a reputation for being exceptionally friendly. But just like with any overseas trip, getting appropriate Travel Insurance is essential. 

Do I need Travel Insurance for Canada? 

Travel Insurance isn’t mandatory when visiting Canada, but it offers peace of mind and may protect you against unexpected issues. You’ll be glad you have it if your luggage gets lost, you encounter medical expenses far from home or a pre-paid ski tour gets cancelled. 

Which activities in Canada might I want coverage for? 

There’s no shortage of ways to immerse yourself in Canadian adventure, from relaxing lakeside hikes to heart-pumping ski trips. Yet thrill-seeking activities don’t feel so daunting when you have a great Travel Insurance policy. Protecting yourself with an appropriate level of Travel Insurance might help you embrace adventure as part of your journey. 

Skiing and snowboarding 

Canada is home to some of the best ski resorts, with the quality of alpine destinations like Whistler, Sunshine and Revelstoke an obvious destination for sun-baked Aussies. But before you hit the slopes, it might be wise to consider a Travel Insurance policy that specifically covers snow activities in case things go awry. 

Getting up close with a polar bear 

Known as the world’s polar bear capital, the tiny town of Churchill, Manitoba sometimes features these animals ambling down the street. However, booking a guided tour is a much safer way to get up close. Just know that your Travel Insurance might not cover you if you behave recklessly, so keep your distance. 

Summer mountain sports 

Canada is more than just a winter sports destination. When summer arrives, the countryside is perfect for hiking, biking and climbing. Travel Insurance usually covers a wide range of sports and activities, but make sure your policy includes the workout you have planned.  

Feeling the power of Niagara Falls 

You’ve probably heard of Niagara Falls. Straddling the US–Canada border, it features three enormous cascades best viewed from the Canadian side. You might not have heard that the Niagara region of Ontario is also known for its ice wine. If you book a rental car, it’s the ideal opportunity to stop at a local vineyard to sample some. But it’s important to stay under the legal limit, as insurance likely won’t cover you if you have an accident after drinking.

‘Canada is one of the most naturally beautiful places I’ve ever travelled to – and while its lakes, mountain ranges and forests aren’t to be missed, city adventures are worthwhile here too. While Toronto is larger, Vancouver was special. It offers a trendy downtown, great food, beautiful gardens and bay views, while being accessible to hot-spots like Whistler, or the tranquillity of Victoria Island.’

Laura Taunt
Senior Brand and Campaign Manager at iSelect

Does my Travel Insurance cover COVID-19?   

Many providers now include COVID-19 coverage, but it’s worth looking at the fine print as each Travel Insurance policy differs. For example, some providers won’t cover the cost of getting a COVID-19 test.  

With this in mind, it’s a good idea to read the Product Disclosure Statement (PDS) to assess how a policy relates to your travel needs. You can also take other steps to safeguard your journey. This might include checking Smartraveller for the latest advice or purchasing flexible flight tickets in case your Canadian adventure gets delayed. 

How much will Travel Insurance for Canada typically cost? 

The price of Travel Insurance to Canada varies by provider, but as of 2024, you can expect basic cover for a week-long trip to start at about $75, depending on factors like your age and pre-existing medical conditions. While this is pricier than Travel Insurance for Thailand, India and many European countries, it’s about the same cost as Travel Insurance for the United States. 

However, if you need additional cover for snow sports or cruises, expect the premium to cost double or even triple.  

Australia doesn’t have a reciprocal healthcare agreement with Canada, so you’ll pay out of pocket if you don’t have Travel Insurance cover for injuries, illness and more. 

What does Travel Insurance cover for Canada usually include?  

When researching policies for your Canadian adventure, you can expect some providers to have similar benefits. But as coverage limits can differ, it’s helpful to compare policies against each other. Here are some typical inclusions for Canada Travel Insurance. 

Medical costs 

Your policy might cover ambulance transport, repatriation flights, and medical and hospital costs up to the stated limit of your policy. 

Personal liability 

If you injure someone or damage property while in Canada, personal liability cover can help you cover costs up to the limits specified in your policy. 

Cancellation fees and lost deposits 

Need to cancel or rearrange part of your trip due to circumstances outside of your control? This inclusion can reimburse you for cancellation fees incurred and lost deposits up to the specified limit. 

Rental vehicle excess 

If you have an accident in your rental car, your policy can cover you up to the amount listed on your policy against the rental company’s insurance excess payments. 

What won’t Travel Insurance cover in Canada? 

Travel Insurance can cover a lot, but it doesn’t cover everything. It usually won’t cover theft of unattended items or claims due to undeclared pre-existing medical conditions. Plus, additional cover is often required for things like adventure sports. 

If you’re all about the adventure sports, you should consider purchasing Ski Travel Insurance for an extra charge. While it still tends to exclude extreme winter sports, like off-piste skiing without a professional guide, you can gain cover for recreational skiing and snowboarding. 

Compare Travel Insurance policies with iSelect 

Compare Travel Insurance from our range of providers to look for a great policy when planning an unforgettable Canadian adventure.