Travel Insurance for Canada – Best Insurance & Cost

Purchasing medical insurance for visits to Canada is not mandatory for entering the country. However, healthcare coverage for trips to Canada is still a good investment because treatment without coverage can result in expensive costs.

Indeed, guests to Canada are not secured by Canada`s universal medicinal services program, which just gives coverage to Canadian residents and lasting occupants. As a base necessity, ensure you have wellbeing protection to travel to Canada before you go.

After reviewing the varying Canadian medical travel coverage,Heymondo stands out as the best choice for insurance for Canada trips. Their plans offer some of the top COVID-19 travel protection, and they are the sole Canadian travel insurance service that pays your medical bills directly, so you won’t have to submit a claim.

Continue reading to learn more about travel insurance for Canada protection and the top travel insurance companies to Canada.

Do I need travel insurance to visit Canada?

As mentioned beforehand, entry to Canada won`t be denied if lacking Canadian travel insurance, but healthcare costs aren`t covered by the Canadian government for visitors, so any medical treatment needed without travel insurance for Canada must be paid out of pocket.

In addition, Canadian healthcare fees can be expensive. If you do have to pay for medical bills on your own, it may cost you quite a lot of money.

In the event that a citizen or occupant of the United States is questioning if their domestic medical insurance from the US will cover them while in Canada, sadly American healthcare protection generally does not extend to Canada; most internal US health insurance does not cover American citizens or inhabitants if they are outside the borders of the US.

Even if good luck allows your American healthcare policy to cover you while you’re in Canada, you will most likely get only partial or low coverage. Ultimately, if you’re a US citizen or resident, it’s prudent to assume that you won’t be able to use your American health insurance in Canada, so ensure you obtain Canadian travel insurance or health insurance for traveling to Canada.

Even if you’re not American, having travel protection for visiting Canada is still sensible if you want to avoid paying healthcare fees yourself.

How much is travel insurance to Canada?

The cost of your travel insurance in Canada will rely on numerous aspects, like your age, your home nation/US state, the length of your trip, and the price of your trip. If you’re looking to get the lowest price for travel insurance in Canada, recognize that the shorter and less costly your trip is, the more affordable your Canadian travel insurance will be.

To facilitate your comparison of travel insurance for Canada pricing, I utilized the example of a 30-year-old American citizen living in Pennsylvania embarking on a two-week trip to Canada with a voyage cost of $2,500 USD.

*Cost utilized for example.

What is the best travel insurance for Canada?

All of the insurance providers I assessed above offer superb Canada travel coverage plans, but as evident from the chart, the finest travel insurance for Canada is Heymondo, which stands out for offering the most extensive scope in all categories.

Heymondo is also unique in directly paying travelers’ medical costs for them rather than necessitating submission of claims, as the sole Canadian travel protection provider doing so.

1. Heymondo, the best travel insurance for Canada

The best insurance plan for travel within Canada is undoubtedly Heymondo. Even if one is not impressed by the reality that the Heymondo Top plan is the only Canada travel insurance arrangement where medical expenditures get reimbursed immediately without the need to submit a claim, the Top plan also offers the highest amount of coverage for Emergency Medical Expenses, Trip Cancellation, and Baggage Loss.

Beyond this, the Top plan offers robust coverage across all groups while still being affordable, giving it an excellent relationship between coverage and price. You can even add Electronics or Adventure Sports protection if necessary.

We have been using Heymondo for the last couples of years and their help has been constantly superb. Currently, we have an annual travel insurance plan, that can also be a good choice for you if you’re a frequent traveler.

Additionally, Heymondo provides Capture the Atlas readers who use the link below with a 5% discount on their plans.

2. World Nomads, an affordable insurance for Canada travel

World Nomads is one of the most reasonably priced travel coverage for Canada plans I examined. It’s also the perfect plan if you’re planning an adventurous trip to the Rockies because the Standard plan includes protection for activities like hiking, ice fishing, and scrambling.

World Nomads` Standard plan offers decent protection across all medical and travel classifications. However, you can acquire twice the sum for Emergency Medical Expenses, Evacuation and Repatriation, and Baggage Loss coverage for marginally cheaper through Heymondo, so if you want to get maximum value for money from your Canadian travel insurance,Heymondo is a better alternative.

3. IMG, the best Canadian travel insurance for seniors

Whether you’re an older traveler or somewhat younger, IMG is an excellent choice for travel protection to Canada. Their iTravelInsured Travel SE plan provides a high amount of Evacuation and Repatriation coverage as well as a good amount of coverage in all other categories.

The iTravelInsured Travel SE plan provides additional protection, covering expenses if one is required to cancel their trip due to work commitments, such as unexpected termination or transfer of employment.

Additionally, IMG`s GlobeHopper Senior Single Trip plan represents by far the most suitable travel insurance for seniors. This plan caters toward travelers aged 65+ and offers a selection of deductibles from $0 to $2,500. You can also opt for your maximum coverage limit and even extend your plan up to 12 months, so it`s a very flexible plan for older travelers.

If a voyager is over the age of 65, IMG’s GlobeHopper Senior Single Trip plan will be the best choice, but if a younger explorer desires improved coverage than the iTravelInsured Travel SE plan for a lower cost, Heymondo will function best.

4. Trawick, the best travel insurance Canada for students

If you’re a budget-conscious student still wanting to globe-trot, Trawick’s Safe Travels Explorer plan is the ideal selection, since it provides the most cost-effective insurance for travel to Canada and consequently the top travel insurance for students.

Bear in mind that because the Safe Travels Explorer plan is so affordable, the coverage it provides is quite basic. The plan offers good Trip Interruption and Trip Cancellation coverage, but its Evacuation and Repatriation and Emergency Medical Expenses coverage are low, so if you want the security of more coverage at a slightly higher price, it might be worth investing in Heymondo.

5. WorldTrips, the best travel insurance for visitors to Canada with pre-existing conditions

WorldTrips is another high-quality choice for Canadian travel protection, particularly for those with prior medical conditions. WorldTrips’ Journey Economy plan is regarded as one of the premier pre-existing conditions travel insurance options provided it`s purchased within 21 days of the initial trip payment.

The Journey Economy plan offers relatively good Evacuation and Repatriation, Trip Interruption, Trip Cancellation, and Baggage Loss coverage. However, you can receive ten times more Emergency Medical Expenses coverage in the Journey Economy plan for a lower price through Heymondo, so if you don’t have a pre-existing medical condition and want increased healthcare protection, Heymondo may be a better option for you.

What should my Canada travel insurance cover?

As I`ve already highlighted, at the bare minimum, your traveling health insurance to Canada should incorporate health coverage. Nonetheless, it may also be useful to have trip-related protection for any travel mishaps that emerge.

The preferable travel insurance for Canada should involve protection for:

• Expenses for Emergency Medical Care – avoid paying expensive Canadian healthcare fees out of your own pocket if you break a leg while hiking or develop a serious case of the flu. With coverage for emergency medical expenses, you won’t have to worry about paying for medical transportation, medical treatment, hospitalization, or prescription medication.

• Evacuation and Repatriation – if hiking in the mountainous regions and sustaining an injury far from medical care or contracting an illness severe enough to necessitate returning home for treatment, evacuation and repatriation coverage would prove invaluable. Such coverage facilitates transportation from remote areas to the nearest hospital or from Canada back to one`s home country in case of grave sickness.

• Cancellation, Interruption or Delay of a Trip – travel does not always go as planned, yet there is no need to panic if you have to interrupt, cancel or delay your trip. Insurance that covers cancellation, interruption or delay of a trip will reimburse you for any pre-paid travel costs, so you won’t need to lose money for a trip that does not occur.

• Misplaced Luggage – if your baggage goes missing and you lose your favourite outfits, you may not be able to find exact replacements, however with baggage loss coverage, at minimum you’ll get reimbursed for the value of your apparel and be able to purchase something comparable.

Is Canada travel insurance worth it?

Ultimately, purchasing medical coverage as a visitor to Canada is prudent because without protection, you will lack healthcare for any illness or accident. It requires only one minor health issue or sprain to justify the cost of travel protection for Canada as it can potentially prevent high medical costs and fees for treatment.

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