Travel with confidence knowing you are protected from unexpected medical costs, whether you are exploring another province, visiting the U.S., or traveling worldwide. Travel medical insurance keeps a sudden illness or injury from turning your trip into a financial burden.
Your provincial health plan offers limited coverage outside your home province and even less when you travel outside Canada. Travel medical insurance fills those gaps and covers emergency medical care so you can focus on enjoying your trip.
What Travel Medical Insurance Covers
Typical coverage
Emergency medical treatment for illness or injury, hospitalization and physician services, ambulance transportation, diagnostic tests and lab work, prescription drugs for emergencies, emergency dental treatment, medical evacuation or repatriation, and 24/7 worldwide emergency assistance.
Coverage amounts can reach up to $10 million, depending on the plan.
When You Need Travel Medical Insurance
Common scenarios
Leaving your home province or territory, visiting the United States, traveling internationally, or needing coverage for additional benefits not covered outside your home province.
Types of Travel Medical Insurance Plans
Single-Trip Medical Plans
Perfect for occasional travelers and provides emergency medical coverage for one specific trip.
Multi-Trip Medical Plans
Ideal if you travel multiple times per year, covering unlimited trips within a 12-month period up to your selected maximum trip duration.
All-Inclusive Plans
Combine emergency medical coverage with trip cancellation, trip interruption, baggage protection, and more.
Top-Up Coverage
Extends coverage if your existing plan or credit card insurance does not cover your full trip length.
Why It’s Worth It
Peace of mind
Avoid massive medical bills abroad, protect your savings, get 24/7 support, and travel stress-free knowing you are covered. Some insurers even offer family discounts, companion discounts, and free coverage for children under certain plans.
Who Should Get Travel Medical Insurance
Recommended for
Families traveling for vacation, snowbirds heading south, business travelers, students studying abroad, and anyone crossing a provincial or international border.
