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Updated Aug 2026 · in-depth guide
Travel insurance protects against emergency medical costs outside your province — costs that provincial health plans only partially cover. For an annual multi-trip policy, most Canadians pay $105-250.
A hospital stay in the US can cost tens of thousands of dollars; even within Canada, out-of-province care is not fully covered by your home plan. Medical limits range from $1M to $10M.
Age is the single biggest pricing factor — premiums rise sharply after 65, and some providers require medical questionnaires for seniors.
Canada-only plans are cheapest, US coverage costs more, and worldwide (including US) is the highest tier. If you travel to the US at all, buy a plan that includes it.
Winter travellers (snowbirds) should look for extended-duration policies — standard multi-trip plans cap each trip at 15-30 days.
If you travel 2+ times a year, annual multi-trip coverage is almost always cheaper and removes the "did I remember to buy insurance" problem.
Our calculator prices both single-trip (by day count) and annual multi-trip (by per-trip cap) plans by age, destination and coverage scope in real time.
Travel plans offer deductibles from $0 to $500 — a $250 deductible usually trims the premium noticeably. Some plans also apply a 48-hour waiting period after departure for new conditions.
Always declare pre-existing conditions accurately — undisclosed conditions are the #1 reason claims are denied.
Buy before departure, keep emergency contact numbers, and carry your policy card. Review the emergency-assistance process — 24/7 support matters when you are abroad.
Compare at least 3 carriers: definitions of "emergency", hospital limits and evacuation coverage differ more than the price.
No. Out-of-province and out-of-country care is only partially reimbursed, and ambulance, evacuation and US hospital costs can be catastrophic without private travel insurance.
Yes, rates rise sharply after 65 and again after 75. Seniors should compare providers and answer health questionnaires honestly to avoid denied claims.
Many plans cover stable pre-existing conditions if declared and stable for the required period (often 90-180 days). Undeclared conditions void the claim.