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Travel Insurance for Canada
Travel Insurance for Canada
Written by
Rachel Gregg
Edited by
Ellie Garran
Reviewed by
Adrian BennettEasily compare Travel Insurance
Save time and effort by comparing a range of travel insurance policies with iSelect
Travelling to Canada
Long story short
Travel insurance can help when things go wrong
It’s not compulsory in Canada, but it can help cover lost valuables, medical expenses, personal liability, and cancelled trips.
Basic travel insurance in Canada starts at around $74
The cost can change depending on the level of coverage you need and extras like snow sports or cruise coverage.
Some things won’t be covered
This includes theft of unattended items, undeclared pre-existing medical conditions, and some extreme adventure sports.
Travelling to Canada
Canada is big – it’s the second-largest country in the world, after all (when looking at land mass). But you won’t have to travel far to find sparkling lakes, breathtaking snow-capped mountains and urban attractions in abundance.
The good news is that Canada is generally considered a safe destination, with locals having a reputation as some of the friendliest on the planet. But even the nicest places come with a few risks, which is why getting travel insurance sorted before you go is a smart move.
Do I need travel insurance for Canada?
Technically, travel insurance isn’t mandatory when visiting Canada. But if you like the idea of enjoying Canada stress-free, it’s highly recommended. Travel insurance can help protect you if you get injured on an icy road or if your bags disappear when flying from Vancouver to Montreal.
Because Canada’s public health system doesn’t extend to Australian visitors, if you do end up needing emergency medical treatment, you could end up shedding a few tears over the bill. A solid travel insurance policy means less time worrying about what-ifs and more time planning that dog-sledding tour under the northern lights.
Which activities in Canada might I want coverage for?
Canada isn’t all just maple syrup and mountains; it’s filled with adventure, from relaxing lakeside hikes to heart-pumping ski trips. No matter what activities you’ve got planned, they might not feel so daunting when you have a great travel insurance policy by your side. Here are a few activities where your policy can come in handy.
Skiing and snowboarding
Canada is home to some of the best ski resorts, like Whistler, Sunshine, and Revelstoke. This makes it an obvious destination for Aussies looking to experience some true snowy slopes. But before you hit the powder, make sure to check whether your travel insurance policy specifically covers snow activities in case things go awry.
Getting up close with a polar bear
The tiny town of Churchill in Manitoba is known as the world’s polar bear capital. Winter here can see these Arctic animals ambling along the ice to hunt ringed seals. But you won’t want to run into these bears alone, so 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
Once the snow melts across parts of Canada, it becomes more than just a winter sports destination. When summer arrives, the countryside is perfect for hiking, biking, and climbing, with places like Jasper National Park and the Canadian Rockies popular picks. 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. If you’re hiring a car, you could also explore the nearby Niagara region of Ontario, known for its ice wine (made from grapes picked in freezing temperatures). Just remember, during your sampling, 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 hotspots like Whistler, or the tranquillity of Victoria Island.‘
Laura Taunt
Senior Brand and Campaign Manager at iSelect
What does travel insurance cover for Canada usually include?
When researching policies for your Canadian adventure, you’ll probably find that providers offer similar benefits. But since coverage limits can differ, it’s helpful to compare policies against each other. Here are some common inclusions and exclusions you might see in travel insurance for your trip to Canada.
Medical and hospital costs up to a stated limit
Coverage for luggage and personal belongings
Some low-risk activities like surfing or zip lining (depends on your coverage and insurer)
Personal liability if you injure someone or damage property
Cancellation fees or lost deposits from circumstances outside your control
Rental car excess coverage
Theft of unattended belongings
Claims for undeclared pre-existing conditions
Claims from sports and activities not included in your level of coverage
Claims from breaking the law
Travelling to a ‘do not travel’ destination as listed by Smartraveller
Mistakes in your travel bookings from personal error
Medical and hospital costs up to a stated limit
Coverage for luggage and personal belongings
Some low-risk activities like surfing or zip lining (depends on your coverage and insurer)
Personal liability if you injure someone or damage property
Cancellation fees or lost deposits from circumstances outside your control
Rental car excess coverage
Theft of unattended belongings
Claims for undeclared pre-existing conditions
Claims from sports and activities not included in your level of coverage
Claims from breaking the law
Travelling to a ‘do not travel’ destination as listed by Smartraveller
Mistakes in your travel bookings from personal error
How much will travel insurance for Canada typically cost?
The price of travel insurance to Canada varies by provider, but you can expect basic cover to start at about $74, with comprehensive coverage sitting at around $115.1Indicative prices from iSelect comparison tool, April 2025 This premium amount will depend on things like your age and if you have any pre-existing medical conditions.
While this is pricier than travel insurance for Thailand and many European countries, it’s on par with travel insurance for the United States. And if you’ve got some extra activities planned, like snow sports or cruises, you’ll need additional cover. Which means you could see your premium cost double or even triple.
And since Australia doesn’t have a reciprocal healthcare agreement with Canada, insurance isn’t just a ‘nice-to-have’ partner on your trip; it’s essential if you want to avoid paying out of pocket for unexpected injuries, illness, and more.
Helpful tip
Before you book those flights or start packing, make sure to double-check the latest travel warnings with Smartraveller. Any changes can affect your travel insurance. If you decide to ignore warnings and travel to a ‘do not travel’ or a ‘reconsider travelling’ country, some policies might not cover you in case something goes wrong, since there’s a higher risk of danger.
Adrian Bennett
General Manager for General Insurance
Travel tips for Canada
Health
Australia and Canada don’t have a reciprocal health care agreement, so if you need to be rushed to the hospital and don’t have travel insurance, the bill is all yours. If you’re covered by travel insurance, it’s a good idea to keep a proof of purchase on hand in case you need it.
Safety
When it comes to safety, Canada’s crime rates are pretty similar to Australia’s. But its wildlife is something else. Bears, moose, and other wildlife can pose a serious threat in national parks, especially in certain seasons. And when driving on roads in winter, make sure to take extra care as well, since icy roads in Canada are no joke.
Language
Canada might feel like the US’s maple-loving cousin (although don’t say that to a Canadian!), but nearly half of its population speaks French. Most French speakers are in the province of Quebec, but you can also hear some French in Ontario and New Brunswick. English is still predominant across most areas, but you might want to have a few basic French terms in your back pocket.
Weather
Despite its nickname, the Great White North, Canada’s weather isn’t always snowy. Spring can be mild in the west and chilly in the east, while autumn can see snow in some places. Northern Canada tends to cop the brunt of winter’s extremes with ice storms. So, make sure to pack accordingly.
Tipping culture and currency
Canada has a tipping culture like the US but has its own currency – the Canadian dollar. Since wages are lower than in Australia, tipping about 15 to 20 per cent of your bill is expected. And fun fact: Canada (like Australia) doesn’t have one-cent coins (pennies), so cash payments will be rounded to the nearest 5 cents.
Frequently asked questions
Which companies offer travel insurance for Canada?
When finding the perfect policy match for your snowy northern holiday, there are a few insurers to browse from. Some insurers that iSelect can help you compare include:
- Fast Cover
- Huddle Insurance
- Insure4less
- InsureandGo
- ReadySet Travel Insurance
- Southern Cross Travel Insurance
- Tick Travel Insurance
- Travel Insurance Saver
- Travel Insuranz
- Travel Protect
- WAS Insurance
- World2Cover
- Zoom Travel Insurance
Other travel insurers in the market include:
- 1Cover
- Allianz
- Blue Insurance
- Budget Direct
- Bupa Travel Insurance
- Cover-More
- Everyday Travel Insurance
- Medibank
- Nib
- RACV Travel Insurance
- Travel Insurance Direct
Note: iSelect does not compare all travel insurance providers in the market, or all products offered by our partners in your area.
Does my travel insurance cover COVID-19?
These days, a lot of providers include some level of COVID-19 coverage, but it’s worth looking at the details, as each travel insurance policy differs. For example, some providers might not cover the cost of getting a COVID-19 test but will help out with any related medical expenses.
With this in mind, it’s a good idea to double-check the product disclosure statement (PDS) so you know exactly what you’re covered for. You can also check Smartraveller for the latest advice or purchase flexible flights just in case your Canadian adventure gets delayed.For more information, see Smartraveller – Canada
Can I extend my travel insurance while I’m already in Canada?
Decided you haven’t seen enough snow-covered caps or eaten enough beaver tails? There’s always the option to extend your policy. Already-overseas policies work a lot like ones you would’ve organised before you left, just with a few more conditions. To be able to get coverage while you’re already overseas, you need to have been overseas for 14 days or less or had your current policy expired for no more than 14 days.
Ready to lock in travel insurance for your Canadian trip?
Whether you’re planning a quick city visit to Vancouver or want to explore the rugged wildness of Labrador, the right travel insurance is out there waiting to join your trip. Compare online from a range of travel insurance providers to find the right fit for an unforgettable Canadian adventure.
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Save time and effort by comparing a range of travel insurance policies with iSelect
iSelect does not compare all travel insurers or policies in the market. Travel insurance is only available through our website and not all policies are available at all times or in all areas. Not all policies available from our partners are compared by iSelect and due to commercial arrangements and customer circumstances not all policies compared by iSelect will be available to all customers. Click here to view iSelect’s range of providers.
iSelect General Pty Limited ABN 90 131 798 126, AFS Licence Number: 334115. Any advice provided by iSelect is of a general nature and does not take into account your objectives, financial situation or needs. You need to consider the appropriateness of any information or general advice iSelect gives you, having regard to your personal situation, before acting on iSelect’s advice or purchasing any policy. You should consider iSelect’s Financial Services Guide which provides information about our services and your rights as a client of iSelect. iSelect receives commission for each policy sold.