Travel insurance for Canada

Travel Insurance for Canada

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This article is aimed at helping you decide on what type of travel insurance for Canada you will require. We will also highlight where to purchase your travel insurance for Canada.

Travel insurance for Canada is compulsory for most working holiday programs. To participate on the IEC program you are required to have insurance that covers the full duration of your work visa and insurance that will cover repatriation costs.

Provincial healthcare in Canada and medical cover from your employment typically do not cover these items, so you need to get separate travel insurance.

Many firms have policies built especially for the IEC market. True Traveller has great options for those travelling from Europe, while BestQuote compares prices from a wide range of plans.

Provinces like British Columbia and Alberta are world-famous for skiing and snowboarding. If you think you’ll want to try hitting the slopes, make certain that you have coverage for any potential injuries. See Heathcare in Canada to learn more.

Travel Insurance for Canada: Summary.

Click here to view the summary if the table below isn’t displaying.

Travel Insurance for Canada

Some notes on the above table:

  • Where fields in the table are blank, the answer will depend on the specific policy you choose.
  • Information is correct as of May 2016.
  • An example of ‘financial failure protection’ would be insurance against your airline going into liquidation.
  • *Extensions possible (True Traveller customers can get a discount on extensions)
  • **Except ‘True Value’ policy.

Health insurance for expats.

Permanent Residency applicants can consider more comprehensive health insurance policies, above typical travel insurance plans.

Expatriate health insurance ensures access to the best possible healthcare while living and working abroad. Cigna Global is a leader in these policies and provides 12-month cover for those moving to Canada, regardless of nationality or age.

Click here to get a free online quote, which should take less than 60 seconds to complete.

Travel Insurance for Canada: providers.

Readers from Ireland, Australia, and the UK can click on your country name to navigate straight to providers in those countries.

All jurisdictions

IEC travel insurance BestQuote IEC travel insurance

True Traveller — Europe
Covers residents of 25 European countries and provides policies for those already traveling. True Traveller is the vendor of choice for a huge number of temporary workers in Canada.

BestQuote Travel Insurance
A full service Canadian travel insurance broker offering the widest selection of travel insurance plans for visitors to Canada. Available plans include coverage for up to 24 months, and coverage related to pre-existing medical conditions. Plans are available before or after leaving home.

Worldnomads.com
Your trip can start from anywhere. Designed for adventurous travelers, with cover for overseas medical, evacuation, baggage and a range of adventure sports and activities. Financial failure protection included.

Worldwide Insure: European website / UK website
Worldwide Insure‘s Longstay option allows policies for up to 18 months, which suits many temporary workers in Canada.

Travel Insurance for Canada: Irish providers.

Multitrip backpacker-insurance-logo

USIT 2 Year Insurance Cover
Get a two-year insurance policy, with unlimited free winter sports and up to €10 million medical cover while in Canada, plus coverage in the USA and any country worldwide.

Cover also includes baggage, delayed and missed flights, and much more on this comprehensive gold policy.

MultiTrip Ireland
Multitrip offer policies for up to 12 months. The Backpacker policy has a restriction of 31 days of winter sports cover.

Backpacker Travel Insurance Ireland
Offers unlimited winter sports cover as an add-on. 24-month policies are available.

Travel Insurance for Canada: Australian providers.

Fast Cover Travel Insurance for Canada Down Under Travel Insurance for Canada

Fast Cover
The company of choice for Australian IEC participants, with options for 12 and 24 months, and a range of products from medical only to comprehensive, snow sports, and adventure activities. Duo policies, for couples or two friends travelling together, get 5% off.

DUInsure
The International Experience Canada Policy has been designed for those that have 2 year working holiday visas for Canada, between the ages of 18 & 30. The policy is underwritten by Allianz Australia Insurance and is issued for the full two years as per the visa requirements. Standard policy costs $2,199 or including Snow sports cover for $2,699. Terms, conditions, limits and exclusions apply.

Travel Insurance for Canada: UK providers.

alpha_travel_insurance Worldwide Insure alpha_travel_insurance

Alpha Travel Insurance
Whether you choose a Longstay, Wintersports, Single or Multi Trip policy, the cover remains the same and you decide the excess you pay. Alpha allows you to craft an affordable, bespoke policy. Over 100 activities included as standard, as well as baggage, cancellation, and repatriation.

Policies are for UK residents only and all trips must start and end in the UK.

Worldwide Insure UK
Flexible and easily customised policies, available to UK citizens.

Get Going Travel Insurance
Specialist travel insurance for people living with medical conditions including Asthma, HIV, Diabetes, Cancer, High Blood Pressure and many others.

Holiday Safe Travel Insurance
The maximum duration for cover is for 18 months. Does not cover one-way travel. Cover must be taken out before the customer leaves the UK.

Essential Travel
Policies of up to 24 months.

Outbacker Insurance
Working holiday cover including manual labour as standard. All policies include over 100 sports and activities as standard.

WARNING:

We continually read that not getting travel insurance for Canada is a great way to save money. It’s rare that border officers will check for travel insurance for Canada, but it’s important to understand the full scope of the issue.

Provincial health insurance in Canada is not a substitute for travel insurance as it does not cover repatriation (i.e. cost of flying you home in the event of serious injury or death).

We buy insurance in case the worst happens. Often, we feel it’s a waste if that big event does not happen. As an adult, we encourage you to be responsible, as your family would not appreciate a $20,000 hospital bill in the event of serious injury or death and your repatriation home.

Where to next?

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