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Why It Matters

Everything You Need to Know About Travel Insurance in Canada

We compare travel insurance plans from top Canadian insurers and explain coverage clearly, so you can travel with confidence, not uncertainty.

The Provincial Coverage Gap

Your Provincial Health Plan Has Limits Outside Canada

Many Canadians assume their provincial health card works abroad. In Ontario, OHIP reimburses only token daily amounts outside Canada, up to $50 per day for emergency outpatient care and $200 to $400 per day as an inpatient, which is nowhere near the cost of a single day in a U.S. hospital.

What provincial plans typically cover outside Canada

• OHIP (Ontario): up to ~$400/day for in-patient hospital care. US hospitals often charge $5,000–$30,000/day
• Most provinces reimburse at the home province rate, not the destination country rate
• Air ambulance, evacuation, and repatriation are typically not covered at all
• Provincial coverage often ends the moment you leave the country

Provincial out-of-country coverage rules vary and change over time. Always confirm your province's current policy before travelling.

Important: notify your insurer within 24 hours

If you need emergency treatment while travelling, most travel insurance plans require you to call the 24/7 assistance line as quickly as possible, ideally within 24 hours of receiving care. Late notification can affect how a claim is processed.

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Trip Cancellation & Interruption

What Happens If You Cannot Go or Have to Come Home Early?

Trip cancellation coverage protects the money you've already spent on prepaid, non-refundable travel costs if an unexpected event forces you to cancel or cut the trip short.

Common covered cancellation reasons

• Sudden illness or injury of you or a close family member
• Death of a covered family member before departure
• Involuntary job loss after purchasing the policy
• Natural disaster or severe weather at your destination
• Government travel advisory issued after booking
• Mandatory quarantine or illness diagnosed before departure

Covered reasons vary by insurer and policy. Cancel for Any Reason (CFAR) upgrades are available on select plans.

Trip Interruption: If the Trip Is Already Underway

• Emergency return airfare if you must fly home early
• Unused, prepaid, non-refundable accommodation costs
• Additional accommodation costs if you are stranded
• Cost of a companion flying out if you are hospitalized

Choose Your Plan Type

Single Trip vs. Annual Multi-Trip Travel Insurance

The right plan type depends on how often you travel and how long each trip typically lasts.

Best for frequent travellers

Compare Insurers

Best Travel Insurance Companies in Canada (2026)

EGE Insurance compares plans from 15+ Canadian insurers. Here are the top providers and what they’re best known for.

*Coverage limits, stability periods, and plan details vary. Always confirm with your advisor before purchasing.

Not sure which insurer is right for you?

EGE Insurance compares all 15+ plans side-by-side and matches you with the insurer most likely to cover your age, destination, and health history, at the best available rate.

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