Travel insurance for Canada means you’re covered if you have unexpected issues while abroad. That includes medical emergencies, trip cancellations or lost luggage. Take us with you and experience up to unlimited cover for medical expenses and repatriation too.
What is Canada travel insurance and do you need it?
Travel insurance for Canada means you’re covered against unexpected medical costs. You’re also covered for cancelling your trip or lost luggage.
Canada is a popular destination for us Brits, expecting to welcome 881,000 visitors from the UK in 2025. However, there’s no telling what surprises could arise. This could include petty thefts, lost luggage or health emergencies. That’s why our travel insurance for Canada covers a range of mishaps so you can focus on enjoying your trip.
- Emergency medical costs: The UK Government says that healthcare costs in Canada can be very expensive. There are no special arrangements for British visitors but with InsureandGo travel insurance, those costs will be covered.
- Cover for your medical conditions: Just declare your condition, give us some details and we’ll send you a quote. Find out more about medical travel insurance or contact our helpful team.
- Get the right cover for your trip: Canada is a world-class skiing and snowboarding destination, so we offer winter sports insurance. We also cover over 100 popular activities, including hiking, surfing, cycling, sailing, and golfing.
- Protect against delays: If flight delays affect your trip, we’ll help cover the cost.
- Protect your belongings: Don’t let a lost or stolen bag ruin your getaway. Our insurance for travel to Canada includes cover for your personal belongings, baggage and passport. Plus, we offer optional valuables cover for expensive gadgets like your tablet or laptop.
We’re here to support you with the best travel insurance policy for your trip to Canada. We’ve helped over 27 million travellers get cover, and 99.7% would consider buying from InsureandGo again3.
What does InsureandGo’s Canada travel insurance cover?
What’s covered?
Our travel insurance for Canada includes:
- Medical emergency expenses.
- Cover for cancellation of your trip.
- Our 24-hour emergency assistance team, available to call, day or night, wherever you are
- Over 100 sports and activities covered (see your policy wording for a full list of activities)
- Personal belongings and baggage cover.
- Personal money, passports and travel documents cover.
- Accommodation cover.
- Legal expenses cover.
What’s not covered?
There are some situations travel insurance will not cover. For example:
- You cannot cover events or reasons to claim which took place before you booked the trip or purchased insurance. Insurance exists to cover unexpected events outside of the insured’s control
- Claims which are less than the excess for that section of cover. For example, you cannot claim a £40 lost item if your baggage excess is £60
- All of our travel insurance policies include cover for cancellation of your trip, but there may be some exclusions. For example, you won’t be covered to cancel if you simply decide not to go
Find out about our optional add ons for activities like extreme sports, cruises and golf. Please note: Our winter sports add on cover is only available to those under 65.
We will consider all pre-existing medical conditions. Find out more about medical travel insurance.
The excess and amount of cover available varies depending on the level of travel insurance you buy. Check the policy wording to see the full terms and conditions.
The best travel insurance for Canada
Heading to Canada? You might need a different type of travel insurance based on what you’re doing while you’re there.
- Just heading away once this year? You’ll need single trip travel insurance. This covers you for up to 365 days of consecutive travel.
- Going abroad multiple times? Our annual multi-trip travel insurance covers you for between 45-55 days of each trip.
- Cruising around the Maritime Provinces? You’ll need cruise holiday insurance to protect you against cruise-specific mishaps. This includes cabin confinement, cruise interruption, and itinerary changes.
- Golfing in the Canadian outback? All Canadian provinces, except Yukon, Northwest Territories, and Nunavut, have at least one golf course. Keep both you and your clubs covered with our golf insurance.
- Not just visiting Canada? Worldwide travel insurance covers you across the globe.
Canada travel insurance with pre-existing medical condition cover
At InsureandGo, we’re proud to offer travel insurance for medical conditions. If you have a pre-existing medical condition that you think might prevent you from getting insured, give us a call.
Examples of the types of health conditions travel insurance can cover include:
Before you get your travel insurance policy quote, we’ll need to ask you a few questions about your condition/s. Things we may ask include:
- When were you first diagnosed?
- Are you currently taking medication for your condition?
- When were you last admitted to hospital for this condition?
Remember that you must disclose any and all medical conditions before you set up your travel insurance, otherwise, your policy may become invalid. To find out more, please read our page about travel insurance for medical conditions or take a look at our policy wording documents.
If you’d rather talk to someone instead, please get in touch with us.
Choose a cover level to suit your travel needs
| Black | Gold | Silver | |
| Medical expenses and repatriation | Unlimited | £15 million | £10 Million |
| Cancellation and curtailment | £10,000 | £7,500 | £5,000 |
| Travel delay | Up to £650 | Up to £540 | Up to £450 |
| Personal belongings | £5,000 | £2,500 | £2,000 |
| Legal Expenses | £60,000 | £50,000 | £15,000 |
| Standard Excess | Nil | £50 | £60 |
Which destinations are covered by our Canada travel insurance?
We’ll cover Canadian travel with our single-trip, worldwide and annual multi-trip policies.
When choosing travel insurance for Canada, consider the cost of your holiday. And don’t forget any activities you’ll be doing. It’s important to make sure you’re fully covered if anything happens.
We cover all of the major locations in Canada under our Canada travel insurance, such as:
- Toronto, Ontario: A vibrant, multicultural city. It’s known for the iconic CN Tower, diverse neighbourhoods, and rich arts and entertainment scene.
- Vancouver, British Columbia: Offers stunning natural beauty. Mountains, ocean, and parks feature alongside a bustling urban environment.
- Montreal, Quebec: Celebrated for its European charm, vibrant festivals, historic architecture, and culinary scene.
- Banff National Park, Alberta: Renowned for its mountain landscapes, turquoise lakes, and outdoor recreational activities.
- Niagara Falls, Ontario: Famous for the Niagara Falls, one of the world’s most powerful and awe-inspiring natural wonders.
- Quebec City, Quebec: Known for its well-preserved historic centre, charming cobblestone streets, and rich French-Canadian culture.
- Victoria, British Columbia: Offers picturesque coastal scenery, beautiful gardens, and a charming, old-world atmosphere.
How to book our Canada travel insurance
There’s so much to think about when planning a holiday. Luckily, you can get your travel insurance for Canada sorted in just two steps.
1. Let us know a little info
We need to know a bit about your holiday, who you want to cover, and when you want the policy to start. We will also ask you for information about any pre-existing medical conditions. This is so we can provide you with the right level of cover.
It’s quick and easy to give us this information. Either contact us online or by calling our team:
2. Get your quote
After you’ve given us all the necessary details, we’ll send you a quote. Once you’ve got the quote, you can either purchase it there and then or save it for the future.
Russell Wallace – Travel insurance expert
“Canada is a top destination for Brits. It’s easy to see why. Canada’s healthcare system provides free healthcare services to its residents. However, these services aren’t extended to visitors. As a visitor, you’ll have to pay for any medical treatment. Our travel insurance will cover you for medical emergencies and more.”
Our reviews speak for themselves
Holiday Insurance
“I got the holiday insurance I needed to visit my son in Canada. It was a very pleasant experience talking to a very nice young man who made everything easy to understand so making a decision was not difficult.”
– June
– Date of experience: 15 May 2024
There’s a reason 99% of our customers would recommend us to family and friends3. Here’s what they have to say about us.
Frequently asked questions on Canada travel insurance
Do I need travel insurance for Canada?
It is not a legal requirement to have travel insurance when going to Canada. However, the NHS and the UK Government both recommend that all UK nationals have travel insurance with medical cover before leaving the country. The UK and Canada do not have a reciprocal healthcare agreement.
Travel insurance is not mandatory. However, you’ll be liable for the costs if you have a medical emergency in Canada. If needed, you’ll receive emergency medical care, but you will be billed for it. Emergency medical services can be very expensive. Hospital stays and treatments can end up costing tens of thousands of dollars.
Do I need medical insurance to travel to Canada?
There is a difference between medical insurance – or private medical – and Travel Insurance with medical cover. Neither is a legal requirement to enter Canada, but Travel Insurance with medical cover is recommended when visiting. If you only have medical insurance, you may find that it doesn’t cover you when you’re outside of the UK.
How much is travel insurance for Canada?
The cost of travel insurance for Canada varies from person to person. It’s based on many different factors, such as:
- Your age
- Your medical history
- Your destination
- How long you’ll be away for
Do UK citizens get free healthcare in Canada?
If you’re a UK national and have an accident in Canada, you’re not entitled to free healthcare. The healthcare system in Canada is free for residents. However, as a visitor, you’ll have to pay for any medical treatment. This includes costs for doctor visits, hospital stays, surgeries, medications, and other healthcare services.
Does the GHIC cover Canada?
Canada and the UK do not have a reciprocal healthcare agreement. This means there’s no arrangement for mutual free healthcare services. Even if you have a GHIC, you’ll be liable for the cost of any healthcare or treatment you get in Canada. That includes emergency treatment.
Can seniors get travel insurance for Canada?
Yes, seniors can get travel insurance for Canada. At InsureandGo, our travel insurance policies have no upper age limits.
Which travel insurance do I need for skiing and winter sports in Canada?
Planning to enjoy skiing, snowboarding, snowmobiling or even reindeer rides in Canada? You’ll need winter sports cover. This add-on can be added to any of our travel insurance policies. It provides specific cover for winter sports activities.
Who can buy an InsureandGo worldwide travel insurance policy?
All our travel insurance for Canada policies are available to UK residents. This means:
- Someone who has been living in the UK or the Channel Islands for at least six of the last 12 months
- They must be in the UK at the time of purchase
- All trips must start and end in the UK
Unfortunately, we can’t provide cover to anyone who doesn’t fit this description.
Get a quote online or browse our policy documents for more information.
Travel insurance guides
Frequently asked questions
If you’ve got more questions about how our Canada travel insurance works, or more general travel insurance queries, have a read through our FAQs.
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Travel insurance reviews
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