Travel Insurance Expert and Head of Communications
Last updatedDecember 5 2025
10 min read
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.
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% would consider buying from InsureandGo again1.
What does InsureandGo’s Canada travel insurance cover?
We strive to provide as much cover as possible. However, there are some situations that no travel insurance will cover. For example:
You cannot cover events or reasons to claim that 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
We will consider all pre-existing medical conditions – find out more about medical travel insurance. The excess and the amount of cover available will vary depending on the level of travel insurance you buy. To check the policy exclusions and what is and isn’t included, take a look at our policy wording.
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 60 days of consecutive travel.
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, the Northwest Territories, and Nunavut, have at least one golf course. Keep both you and your clubs covered with our golf insurance.
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
Canada travel insurance with pre-existing medical conditions
Securing travel insurance for medical conditions can be a concern, but there’s no need to worry. We’ll consider any medical condition and do our best to provide the best possible cover. Just follow our simple online screening process when you buy your policy, either over the phone or online.
Examples of medical conditions we can cover include:
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 helps us 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:
We’ll give you your quote, and you can either choose to buy a policy or save the details for later.
Our experts say…
“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 for Canada will cover you for medical emergencies and more.”
“After months of deliberation, I have chosen to purchase the InsureandGo Gold Policy for our single trip to Canada. Customer Service was extremely knowledgeable and helpful while we were completing the pre-existing medical conditions, as we needed the correct amount of cover. He was friendly and was a pleasure to buy the policy from, as he understood all our needs and the fact that our ages were not a barrier. We will certainly use this company again for further travel insurance. Thank you, Harry S.”
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?
Medical insurance and travel insurance with medical cover aren’t quite the same. While neither is a legal requirement for entry into Canada, travel insurance that includes medical cover is strongly recommended.
Standard UK medical insurance often won’t cover you abroad, which means you could face high medical costs if something goes wrong. With travel insurance from InsureandGo, you’ll have the protection you need to enjoy your trip with confidence.
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
At InsureandGo, we make it easy to get a tailored quote, so you only pay for the cover you need.
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.
Yes, absolutely. At InsureandGo, we believe that age shouldn’t be a barrier to adventure. That’s why our travel insurance policies have no upper age limits, making it easy for seniors to get the cover they need for a trip to Canada.
Whether you’re visiting family, exploring the Rockies, or enjoying a once-in-a-lifetime rail journey, our policies can include cover for pre-existing medical conditions, emergency medical expenses, and cancellation, giving you reassurance from the moment you book.
Who can buy an InsureandGo Canada 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.
