How Much Is Travel Insurance To Canada?

If you’re planning a trip to Canada, travel insurance probably isn’t the first thing on your mind—but it should be. Canada is a beautiful country with a lot to offer, from breathtaking natural landscapes to vibrant cities and rich cultural experiences.

But while you’re busy thinking about your itinerary, visa process, and what to pack for the weather, it’s important to ask yourself one very practical question: What if something unexpected happens while I’m there?

Travel insurance might not be the most exciting part of planning a trip, but it’s one of the smartest.

A medical emergency in Canada can be expensive, and without proper coverage, you could end up paying thousands of dollars out of pocket. Travel insurance doesn’t just cover health emergencies—it can also protect you if your trip is delayed, canceled, or your luggage gets lost.

At TRAVUL.ORG, we believe planning and financing your travel shouldn’t be overwhelming. That’s why we’re building a platform that brings everything you need—trip planning, financing, visa support, and more—into one place. And yes, that includes helping you find and understand the right travel insurance for your trip to Canada.

Why You Need Travel Insurance for Canada

Canada doesn’t offer free health care to tourists or temporary visitors. Even a minor medical issue can lead to high costs at clinics or hospitals. Here are a few common scenarios where travel insurance becomes essential:

• Medical emergencies (from broken bones to unexpected illnesses)
• Trip cancellations or delays
• Lost or stolen luggage
• Emergency evacuation or repatriation
• Covid-related expenses (depending on the policy)

Many Canadian visa applications now recommend—or even require—proof of travel insurance, especially if you’re applying for a visitor visa or entering on a Super Visa. It’s not just a good idea—it’s becoming a necessity.

So, How Much Is Travel Insurance to Canada?

The cost of travel insurance to Canada depends on several key factors:

1. Length of Stay

The longer you stay, the more you’ll pay. For a short 1-week visit, a basic travel insurance policy can start from as low as $15 to $30 USD.

For a month-long stay, expect around $40 to $100 USD for good coverage. Longer stays, like 6 months or more, especially under programs like the Super Visa, can cost $800 to $1,800 USD depending on the provider and level of coverage.

2. Age of Traveler

Insurance gets more expensive as you get older. A 25-year-old might pay just $40 for 30 days, while a 70-year-old could pay $200 or more for the same coverage. That’s why Super Visa applicants (often parents or grandparents) are usually required to purchase coverage of $100,000 or more, which can significantly increase the cost.

3. Coverage Amount

Most standard policies offer coverage ranging from $50,000 to $1 million CAD. The higher your coverage limit, the more you’ll pay. For Canada, it’s recommended to get at least $100,000 CAD in emergency medical coverage.

4. Deductible

A deductible is the amount you agree to pay out-of-pocket before your insurance kicks in. Choosing a higher deductible will reduce your premium, but you’ll need to cover more costs upfront if something happens. Many travelers opt for zero-deductible policies for peace of mind, even though they cost more.

5. Pre-existing Medical Conditions

Some insurers charge more if you have health conditions like diabetes, asthma, or heart disease. Others might exclude those conditions altogether. Always check the fine print.

Sample Costs for Different Travelers

What Does Travel Insurance Cover?

Each insurance company offers slightly different coverage, but a good policy typically includes:

• Emergency medical expenses
• Hospitalization and treatment
• Ambulance and emergency evacuation
• Trip cancellation/interruption
• Lost/delayed baggage
• Accidental death & dismemberment
• 24/7 travel assistance hotline

Some plans also include:

• Covid-19 coverage
• Dental emergencies
• Flight accident insurance

Make sure you read the policy document carefully to know what’s covered—and what’s not.

Where Can You Buy Travel Insurance for Canada?

You can buy travel insurance from:

• Insurance companies (like Allianz, AXA, or Manulife)
• Online aggregators (like VisitorsCoverage, TravelInsurance.com, or Squaremouth)
• Banks or credit card providers (if they include travel insurance with premium cards)
• Through TRAVUL.ORG (we’re working on integrating travel insurance options right into your travel planning dashboard)

If you’re not sure where to start, our team at TRAVUL.ORG can help you compare options based on your trip length, age, and needs—all in one place.

Tips for Choosing the Right Travel Insurance

• Don’t go for the cheapest plan without checking what it covers
• Check if Covid-related cancellations are included
• Make sure it covers activities you plan to do (e.g., skiing, hiking)
• Confirm how claims are processed—some make it easy, others don’t
• Get coverage from your departure date to your return home date

How TRAVUL.ORG Makes Travel Insurance Easier

At TRAVUL.ORG, we understand that managing trip details, financing, and insurance on different platforms is frustrating and confusing. That’s why we’re building an all-in-one travel experience.

Soon, you’ll be able to:

• Plan your trip, apply for visas, and get travel insurance from the same dashboard
• Set up a travel savings plan or apply for a loan to cover upfront costs like insurance and flights
• Receive personalized insurance suggestions based on your travel profile
• Get human support when reviewing policies—so you’re not left guessing

This seamless experience means less time clicking around and more time enjoying your trip.

FAQs

Is travel insurance mandatory for visiting Canada?

It’s not always mandatory, but it is highly recommended. For Super Visa applicants, it is mandatory to have coverage of at least $100,000 CAD for one year.

Can I buy travel insurance after arriving in Canada?

Some insurers allow it, but coverage may be limited or delayed. It’s always better to buy before you leave.

Will Canadian hospitals treat me without insurance?

Yes, but you’ll have to pay upfront. Even a short hospital stay can cost thousands of dollars.

Does travel insurance cover visa refusals?

Some policies offer trip cancellation coverage that may help, but not all do. Be sure to check.

Can I get a refund if my trip is canceled?

Many insurers offer a “free look” period (usually 10–15 days) where you can cancel the policy for a full refund, provided the trip hasn’t started and you haven’t made a claim.

Final Thoughts

Travel insurance is one of those things you hope you’ll never need—but when you do, it can make all the difference.

At TRAVUL.ORG, we’re building a platform that doesn’t just help you plan your trip—we help you cover every part of the journey, including insurance, financing, and visa support, all in one place. Because travel should be exciting, not overwhelming.

Need help figuring out the right travel insurance for Canada? Let TRAVUL.ORG guide you every step of the way.