Comprehensive medical-only or all-inclusive plans, single-trip or multi-trip annual coverage, plans that cover pre-existing conditions, plans tailored for visitors to Canada — we shop the right plan for the trip.
The plans we shop
Emergency Medical (Out-of-Country)
For Canadians traveling abroad. Covers emergency hospital, doctor visits, prescriptions, ambulance, and emergency dental. The most-purchased category and usually the most affordable.
Trip Cancellation & Interruption
Refunds prepaid non-refundable trip costs if you have to cancel for a covered reason (illness, family emergency, job loss in some plans), and covers the cost of cutting a trip short.
All-Inclusive (Medical + Cancellation)
Combines medical and cancellation coverage in one policy. Often slightly cheaper than buying both separately.
Multi-Trip Annual
One annual policy covers an unlimited number of trips up to a defined length per trip (commonly 4, 9, 17, or 30+ days). Best for frequent travelers — pays for itself by the second or third trip.
Visitor to Canada
For visiting family without a Super Visa — emergency medical coverage while in Canada. Often required by hosts and gives families peace of mind.
Student / Working Holiday
Specialty plans for international students and working-holiday visa holders coming to Canada.
What people forget to check
Stability period for pre-existing conditions
Most travel medical plans cover pre-existing conditions only if they've been "stable" for a defined period (commonly 90 or 180 days) before the trip starts. "Stable" usually means no new diagnosis, no medication changes, no treatment changes, and no new symptoms. Buy too close to a recent doctor's visit and you may not be covered for that condition.
Trip-cancellation start date
Trip cancellation coverage usually starts the day you buy the policy and pay the deposit on the trip — not the day you travel. If you book a trip in March for July and don't buy insurance until June, anything that happens between March and June isn't covered for cancellation.
The deductible
Most travel medical policies offer $0, $250, $500, $1,000+ deductible options. Higher deductibles drop the premium significantly — often the right choice for younger, healthier travelers.
Adventure-sport and high-risk exclusions
Skiing, snowboarding, scuba diving, mountain climbing — many policies exclude or limit these activities. If your trip includes adventure activities, ask specifically about coverage.
Travel insurance is one of the most under-bought categories in Canada
Provincial health plans (MSP in BC) cover almost nothing outside Canada. A single overnight hospital stay in the US can cost $10,000+. Air ambulance from a remote destination back to Canada can cost $50,000+. Even routine ER visits abroad commonly run thousands of dollars. Travel medical insurance from $30 for a short trip is one of the highest-leverage purchases you can make.
Tell us where you're going (or who's visiting), how long, and any medical history we should know about. We'll compare carriers and come back the same day. Request a quote →