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Travel Insurance Quotes
Get instant quotes from Canada's top providers, compare emergency medical and trip cancellation coverage side by side, and buy online in minutes.
Travel insurance quotes in Canada
Your provincial health plan does not cover medical emergencies once you leave Canada. Travel insurance helps cover emergency medical care abroad, and can also protect you from trip cancellations or interruption. With PolicyAdvisor, you can compare travel insurance quotes from Canada’s leading providers and choose coverage that fits your budget.
Sample travel insurance quotes in Canada
Every quote is personalized, but the table below gives you an idea of what to expect for a single trip with emergency medical coverage.
| Age | Without pre-existing condition coverage |
With pre-existing condition coverage |
|---|---|---|
| 25 | $70 | $100 |
| 35 | $80 | $135 |
| 45 | $95 | $160 |
| 55 | $130 | $180 |
| 65 | $170 | $280 |
*Illustrative rates for a traveller seeking $100,000 in coverage for a 30-day trip.
What does travel insurance cover in Canada?
Travel insurance for Canadians can include far more than emergency medical care. Here’s what your coverage can include.
Emergency medical expenses
Covers unexpected out-of-country medical care, including hospital stays, physician fees, ambulance transportation, and emergency prescription drugs.
Trip cancellation
Reimburses your prepaid, non-refundable vacation expenses (like flights and hotel bookings) if you have to cancel your trip before departure for a covered emergency reason.
Trip interruption
Protects you if an unexpected emergency cuts your trip short after you've already departed, covering the cost of a one-way flight back home and replacing your lost, prepaid itinerary days.
Baggage loss & delay
Provides financial reimbursement if your luggage is permanently lost, stolen, or damaged by your carrier, or offers immediate funds to purchase essential items if your bags are delayed.
Flight & travel delays
Covers out-of-pocket costs for essential expenses like meals and hotel accommodations if your scheduled flight or connecting flight is delayed by a covered event.
Emergency evacuation & repatriation
Covers medically necessary transport to a hospital, or back to Canada, when local care isn't enough.
What an uninsured medical emergency can cost abroad
Your provincial plan doesn’t follow you out of the country, so every dollar comes straight out of pocket. In high-cost destinations like the United States, a single emergency can reach five figures within days.
Typical out-of-pocket figures for uninsured Canadians in the United States. Costs vary by destination, but none of it is covered by your provincial plan.
Why choose PolicyAdvisor for a travel insurance quote in Canada
PolicyAdvisor helps you compare travel medical insurance quotes online with complete clarity, so you know not just the price but what each plan actually covers before you buy.
See personalized travel insurance quotes right away, with no follow-ups or calls.
Compare Manulife, TuGo, GMS and more side by side, without switching between sites.
You pay the insurer's price, nothing more.
Browse your options freely and make a decision when you're ready
Get covered start to finish in a few minutes. No paperwork, no in-person visits, everything digital.
Connect with licensed advisors for guidance on pre-existing conditions and more.
Which companies provide travel insurance quotes on PolicyAdvisor?
At PolicyAdvisor, we help you get travel insurance quotes from several of Canada’s best travel insurers, so you can review your options in one place.
Insurers we compare:
What factors determine your travel insurance quote?
When you generate a quote, the premium isn’t arbitrary. Insurers price your rate based on a few key factors:
Traveller's age
Age is the biggest factor. Premiums rise as you get older, with noticeable jumps past 60 and again past 70, since medical risk increases with age.
Destination
Trips to high-cost healthcare countries like the United States cost more to insure than most other destinations, because a claim there is far more expensive.
Trip length and dates
Coverage is priced by the day, so longer trips cost more, and even a few extra days can raise your premium.
Coverage type, limit, and deductible
A medical-only plan costs less than an all-inclusive one that adds trip cancellation; higher medical limits raise the premium, while a higher deductible lowers it.
Types of travel insurance quotes
Travel insurance plans are structured into a few core protection types to match your specific needs.
Emergency medical coverage
Standalone emergency medical coverage focuses entirely on unexpected healthcare costs while you are outside your home province, safeguarding you against massive bills from hospital stays, doctor visits, ambulance transport, and emergency medical treatments.
Trip cancellation & interruption
This protection secures your financial investment, reimbursing your prepaid, non-refundable vacation costs like flights, cruises, and hotel bookings, if a covered emergency forces you to cancel your trip or cut it short.
For complete peace of mind, you can combine both into a single policy, or add trip interruption as an add-on to a baseline medical plan. Choose the type that matches what you most want to protect, then compare quotes across providers.
How can I lower my travel insurance quote?
A lower quote often comes down to a few simple choices, from the coverage you select to how you structure your plan.
Choose the right coverage type
If you only need medical protection, an emergency medical plan costs less than an all-inclusive one. Add trip cancellation only if you have prepaid, non-refundable costs to protect.
Increase your deductible
Plans with higher deductibles usually have lower premiums, as long as the deductible stays manageable if you claim.
Enter exact travel dates
Coverage is priced by the number of days, so even a few extra days can raise your premium.
Insure only your true trip cost
For cancellation coverage, enter the amount you have actually prepaid, so you are not over-insuring.
Review pre-existing condition rules carefully
Stability periods and medical disclosures can impact both eligibility and pricing. Some plans may cost more but offer better coverage.
Compare plans side by side
Similar-looking plans are priced differently across insurers, so comparing helps you avoid overpaying for the same coverage.
Single-trip or annual: which quote should you get?
Both plans protect you abroad; the right one depends on how often you travel. Here’s how they compare.
Single-trip plan
- ✓Covers one specific journey, from the day you leave your home province until the day you return.
- ✓The most straightforward, cost-effective choice for a single vacation or family visit.
- ✓You pay only for the exact dates of that one trip.
- ✓Ideal if you travel occasionally rather than throughout the year.
Multi-trip (annual) plan
- ✓A year-long policy covering unlimited departures over a rolling 12-month period.
- ✓Each trip is capped at a set maximum length, such as 15, 30, or 60 days per trip.
- ✓Usually more economical than buying separate single-trip policies if you take more than two trips.
- ✓No last-minute buying; you’re protected even on spontaneous trips.
The best approach is to compare both options directly side by side in your quote engine to see which pricing model offers the best value for your personal travel habits.
Need insurance answers now?
Call 1-888-601-9980 to speak to our licensed advisors right away, or book some time with them.
Travel insurance quotes for trips to the United States
The United States has some of the most expensive healthcare in the world, which is why your travel insurance quote for a U.S. trip will often come back higher than the same trip elsewhere. That difference simply reflects the cost of a potential claim: a single emergency room visit can run into the thousands, a few days in hospital can reach tens of thousands, and an air ambulance back to Canada can exceed $50,000.
When you compare quotes for the U.S., focus on the emergency medical limit, since most travellers choose a higher limit for U.S. trips than for other destinations. Running a quote lets you see how your destination, age, and trip length affect the price, and compare plans side by side so you can match your coverage to the higher cost of care in the U.S. without overpaying.
Frequently Asked Questions
Can I get travel insurance quotes online in Ontario?
Yes, you can get a travel health insurance quote online in just a few minutes through PolicyAdvisor. Simply enter your trip details, such as your destination, travel dates, and traveller information to compare plans from multiple insurers in one place.
Are travel insurance quotes accurate online?
Yes, provided your details are correct. Final premiums can change based on health questions, deductible choice, province of residence, taxes/fees, and policy effective date. Always review the full summary before purchase.
Is comparing travel insurance quotes free?
Yes. Comparing travel insurance quotes through PolicyAdvisor is completely free, with no obligation to buy. You can run as many quotes as you like and explore different providers at no cost. If you purchase, you pay only the insurer’s premium.
What does a travel insurance quote include?
A travel insurance quote shows your total premium along with key details such as medical limit, deductible, covered benefits, notable exclusions, maximum trip length, pre-existing condition rules, and more. Use it to compare both coverage and cost.
Why do travel insurance quotes vary for the same trip?
Quotes can vary because coverage levels, deductibles, and included benefits differ across plans. Underwriting rules (pre-existing stability, adventure sports) also change eligibility and price.
Can I get a travel insurance quote without booking my trip?
Yes, you can explore quotes using estimated travel dates and destination details. However, final pricing may change slightly once your trip details are confirmed, especially if cancellation coverage is included.
Can I get one quote for my whole family?
Yes. You can add multiple travellers to a single quote, including your spouse and children, and enter each person’s age for accurate pricing. Our quote tool then shows options from each insurer for everyone together, so family coverage is easy to compare.
Can I get a quote for multiple trips in a year?
Yes. Select the multi-trip option in the quote tool to see quotes that cover an unlimited number of trips over a year, each up to a set maximum length, which is often cheaper than separate policies for frequent travellers.
