You should consider travel insurance in Canada to protect yourself from unexpected events such as medical emergencies, trip cancellations, and lost luggage, ensuring peace of mind during your travels.
To compare travel insurance companies in Canada, evaluate key factors like coverage types, limits, exclusions, and pricing, ensuring the policy fits your travel needs. Additionally, research customer reviews, the claims process, and the insurer's reputation for reliability and support. We’ve done some of the work for you by ranking the best travel insurance companies in Canada.
Here, you'll find all the necessary details of the top travel insurance providers in Canada, laid out in an easy-to-read-and-compare manner.
Key Takeaways
- The overall best travel insurance provider in Canada is TD Travel Insurance.
- Travel insurance can come with a range of coverages, including travel accidents, trip cancellations, and lost or stolen baggage.
- The credit card that offers the best travel insurance is the RBC Avion Visa Infinite Privilege with its 13 types of coverage.
Best travel insurance providers in Canada for November 2025
Here are the best places to get travel insurance in Canada:
| Travel insurance provider | Best for... | Our quote (per person)* | Pros | Cons |
|---|---|---|---|---|
| TD Travel Insurance | TD clients | $224.75 | * Per-trip and annual plans available | * Not a lot of customization options * Unintuitive quote tool |
| Manulife CoverMe Travel Insurance | Non-essential travel bans | $385.18 | * Easy to use quote tool * "Avoid Non-essential Travel" Government Travel Advisory Rider available * Per-trip and annual plans available | * Not many customization options * Quotes require offering significant personal information |
| World Nomads | Activity lovers | $247.77 | * Incredibly quick and easy quote process * Lets you specify your activities | * Not many customization options * Simplistic quote tool, likely slightly inaccurate |
| Medipac | Simplicity | $67.00 - $102.30, depending on deductible | * Per-trip and annual plans available * Endorsed by CSA and Royal Canadian Legion | * Only one type available for people under 55 * Very simplistic quote tool * Very simplistic quote tool |
| RBC Travel Insurance | RBC clients | $217.30 | * Per-trip and annual plans available * Very comprehensive coverage | * Not many customization options |
| BMO (through Allianz) | BMO clients | $281.10 | * Per-trip and annual plans available | * Only available for BMO clients |
| Scotiabank Travel Insurance (through Manulife) | Scotiabank clients | $216.69 | * Per-trip and annual plans available * Student plans available | * Not available for Quebec residents * Unable to see emergency medical coverage for trips 180+ days in the future |
* These quotes were accessed April 29, 2025 and were based on a 45-year-old couple travelling to Florida for ten days in the month of November with all-inclusive coverage. These numbers were included for illustrative purposes only. Your own quotes may differ.
How we picked the best travel insurance
To evaluate travel insurance, we analyze over 15 data points to generate a trustworthy Genius Rating. We consider all aspects of a travel insurance policy, including the premium, trip cancellation coverage, burglary and loss protection, customer satisfaction, and rental car coverage, to assess its overall value. Then, the travel insurance policy’s features are rated based on how they stack up against other available options.
Best travel insurance 2025 winner – TD Travel Insurance
The best travel insurance of 2025 is TD Travel Insurance. While its plans aren't as customizable as those of other companies, TD’s four different plans cover pretty much anything you could ever need from travel insurance.
TD has unique coverages, like escorting kids and pets home at no extra cost in an emergency situation. Plus TD's 24/7 emergency assistance support is accessible from anywhere in the world.
Travel Accident
$200,000
Emergency Medical
$5,000,000
Trip Cancellation
$25,000
Trip Interruption
$25,000
TD travel insurance is a convenient option for Canadians who are already customers of the big bank, letting you get insurance coverage from a familiar name. You have 4 options when it comes to what type of plan you can get: single trip, multi-trip all-inclusive, multi-trip medical, or trip cancellation and interruption coverage. Each plan offers your basics to keep you covered on your next trip.
Pros
- Backed by a big bank you trust
- 4 straightforward plans available
- Some unusual coverage included
- 24/7 emergency assistance
Cons
- Trip cancellation and interruption is at extra cost
- Might not have the cheapest premiums
Provinces
ALL
Eligibility
- Canadian resident
Why You Want It
Choose from 4 plans + convenient online quotes and claims 24/7.
Special Features
See Issuer for Details
Travel Accident
$200,000
Emergency Medical
$5,000,000
Trip Cancellation
$25,000
Trip Interruption
$25,000
Flight Delay
$700
Baggage Loss, Damage, Delay
$1,000
Hotel Burglary
N/A
Rental Car Theft And Damage
Rental Car Accident
N/A
Rental Car Personal Effects
N/A
Student Plans Available?
Manulife travel insurance
Manulife CoverMe Travel Insurance offered a straightforward and easy-to-use quote tool, giving us a wide variety of quotes. You can even choose a deductible and see your quote updated in real-time.
They even have a dedicated travel plan to cover any unexpected non-essential travel bans, which protects from expensive trip cancellation costs.
Travel Accident
$50,000
Emergency Medical
$10,000,000
Trip Cancellation
See Issuer for Details
Trip Interruption
$Unlimited
Proudly calling itself the largest travel insurance provider in Canada, Manulife travel insurance is a popular option for Canadians who are looking to be covered on their next trip. You'll get the choice of one basic CoverMe plan that can be customized as you want – including adding the COVID-19 Pandemic Travel plan. Students also get a cheaper option to help with their more limited budgets.
Pros
- 5 easy-to-understand options
- COVID-19 Pandemic Travel Plan available
- Multi-trip plans available
- Family and student coverages available
- Gave us some of the lowest quotes in our test
- Apply at any age (and no medical questions if you're under 60)
Cons
- No mention of 24/7 support
- No rental car insurance
- No hotel burglary insurance
Provinces
ALL
Eligibility
- Canadian resident (plans available for non-Canadians visiting Canada)
- Covered by Canadian provincial or territorial health insurance plan
Why You Want It
Offers COVID-19 travel coverage + Save on premiums if you’re a student.
Special Features
- Pandemic plan available for protection against COVID-19
Travel Accident
$50,000
Emergency Medical
$10,000,000
Trip Cancellation
See Issuer for Details
Trip Interruption
$Unlimited
Flight Delay
$2,700
Baggage Loss, Damage, Delay
$1,500
Hotel Burglary
N/A
Rental Car Theft And Damage
Rental Car Accident
See Issuer for Details
Rental Car Personal Effects
See Issuer for Details
Student Plans Available?
World Nomads travel insurance
World Nomads only offered two types of plans, though neither offers much customization within them. This provider's unique feature is the ability to indicate all the different activities you think you'll be doing on your trip. You can see whether your chosen plan covers your activities, and if it doesn't, you can simply switch to the Explorer plan (which still covers quite a bit of extreme activity).
This way, whether you're simply visiting a theme park for the day, trying out elephant riding, or going cage diving for sharks, you'll be covered.
| Pros | Cons |
|---|---|
|
|
Medipac travel insurance
For those seeking the quickest and easiest insurance quote that covers the basics, Medipac is the ideal choice. Users can choose either a single-trip plan, an annual plan for up to 23 days, or an annual plan for up to 33 days. The default coverage is up to USD $2 million, but you can upgrade to MedipacMAX, which provides USD $5 million worth of coverage.
The Quick Quote feature is the fastest and simplest of all the quote systems we tested, asking for nothing more than your home province, length of trip, your age, and whether you're a smoker. Our request resulted in just one coverage option, the Preferred Plus rate, which is the only option available for users under age 56.
The other seven age groups have three coverage options: Preferred Plus, Preferred, and Standard. The prices rise as the age brackets rise, but decrease as your chosen deductible increases.
Medipac is the only travel insurance endorsed by the Canadian Snowbird Association and the Royal Canadian Legion.
| Pros | Cons |
|---|---|
|
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RBC travel insurance
RBC travel insurance provides a range of packages and plans, but nothing that's necessarily cheap. Even so, their "Deluxe" package, which is available for both single and multi-trip plans, can provide the ultimate peace of mind – if you have the funds to pay for it.
You can also save money by opting for an annual plan if you're going on more than 1 trip this year.
Travel Accident
See Issuer for Details
Emergency Medical
$Unlimited
Trip Cancellation
See Issuer for Details
Trip Interruption
See Issuer for Details
As one of the biggest banks in Canada, RBC offers travel insurance alongside its large suite of other banking products. With RBC travel insurance, you'll have the option of being covered by all the basics, including travel medical, trip cancellation, and trip interruption – all backed by a big bank you likely already know and trust. Helping take things to the next level are the registered nurses and physicians that are available 24/7 to help you with your needs.
Pros
- Includes most main types of travel insurance we track
- Single trip and multi-trip coverage available
- Plans with seniors in mind
- Registered nurses and physicians available 24/7
- Discount if you're travelling in a group of 10 or more
Cons
- Not a lot of customization options
- Expensive premiums
- Doesn't offer COVID travel insurance
Provinces
ALL
Eligibility
- Canadian resident (plans available for non-Canadians visiting Canada)
- Covered by your government health insurance plan
- Under 60 and travelling for 183 days or less
- Over 60 and under 75 and travelling for 60 days or less
Why You Want It
Includes comprehensive, medical, and trip cancellation + 24/7 support.
Special Features
- 24/7 worldwide emergency travel assistance
- Multilingual assistance
- Registered nurses and consulting physicians available 24/7
Travel Accident
See Issuer for Details
Emergency Medical
$Unlimited
Trip Cancellation
See Issuer for Details
Trip Interruption
See Issuer for Details
Flight Delay
$1,750
Baggage Loss, Damage, Delay
$1,000
Hotel Burglary
N/A
Rental Car Theft And Damage
Rental Car Accident
N/A
Rental Car Personal Effects
N/A
Student Plans Available?
BMO travel insurance
BMO travel insurance is also offered through Allianz and is only available to BMO clients. Multi-trip and single-trip options are both available.
There were three options for our quote, including:
- Single Trip - Premium Travel (we chose this as it has the most comprehensive coverage)
- Single Trip - Trip Protection
- Single Trip - Travel Medical
You're even able to view the Certificate of Insurance before you purchase, which is something we didn't see with other providers.
| Pros | Cons |
|---|---|
|
|
Scotiabank travel insurance
Scotiabank travel insurance – now offered through Manulife – is available to all Canadians, even if you're not a Scotiabank client.
Our test brought us some some decently priced quotes, so it's a good option if you want to stick with a big bank for your insurance.
Travel Accident
$50,000
Emergency Medical
$10,000,000
Trip Cancellation
$2,500
Trip Interruption
$2,500
If you feel more comfortable sticking to a big bank name you know well, Scotiabank travel insurance offers some comprehensive single and multi-trip coverage. You'll get all the basics – like emergency medical and trip cancellation – with up to 50% savings if you're travelling within Canada. They also added COVID protection, so you can feel a bit more safe even in these uncertain times.
Pros
- Domestic travel perks
- COVID travel insurance plan
- Student plans available
- Easy online application
Cons
- Unavailable for Quebec residents
- No rental car coverage
Provinces
AB, BC, MB, NB, NL, NU, NT, NS, ON, PE, SK, YT
Eligibility
- Canadian resident
- Non-Canadian visitors
Why You Want It
Save up to 50% for travel within Canada + Pandemic coverage available.
Special Features
- COVID protection available
- Plan options for visitors to Canada
Travel Accident
$50,000
Emergency Medical
$10,000,000
Trip Cancellation
$2,500
Trip Interruption
$2,500
Flight Delay
See Issuer for Details
Baggage Loss, Damage, Delay
See Issuer for Details
Hotel Burglary
See Issuer for Details
Rental Car Theft And Damage
Rental Car Accident
N/A
Rental Car Personal Effects
N/A
Student Plans Available?
What’s the best travel insurance for seniors?
Manulife CoverMe Travel Insurance and Medipac are the two best travel insurance options for seniors in Canada.Here’s what we like about Manulife for seniors:
- Medical coverage considers pre-existing conditions and higher medical risks
- Flexible underwriting with a medical questionnaire
- Higher medical limits up to $10 million
Here’s what seniors might like about Medipac:
- Pre-existing conditions are available for specific coverage with Medipac
- There’s no age limit or restrictions, so you can get coverage at any age
- Endorsed by Canadian Snowbird Association and the Royal Canadian Legion
What's generally covered by travel insurance
Travel insurance usually provides coverage for things like delayed flights, lost luggage, emergency medical services, etc. There are a few types of coverage that are fairly standard, but others can vary from provider to provider.
Let's go over some of the standard coverages offered. Several of these are more popular on credit cards than they are in your standard travel insurance plan, but it's still important to know what kind of coverage is available.
| Type of travel insurance in Canada | Coverage and other details |
|---|---|
| Travel accident | * Covers dismemberment or loss of life on a common carrier (plane, train, boat, etc). * Payouts are typically only made in extreme cases. |
| Emergency medical | * Covers health and medical bills while travelling. * Takes care of the things your provincial health insurance would typically take care of, but won't as you're out of the area. * May require a screening for past/current health conditions. |
| Trip cancellation | * Covers non-cancellable flights or hotel rooms. * Must adhere to a pre-approved list of reasons for cancelling. * A rare type of insurance, especially with credit cards. |
| Trip interruption | * Covers any additional travel costs if you need to return home early, like rebooking flights and cancelling hotels. * More common than trip cancellation insurance. |
| Flight delay | * Covers any extra costs associated with a delayed flight, including extra meals, hotel rooms, personal items, etc. |
| Baggage delay | * Covers the extra costs associated with delayed luggage, such as purchasing clothing and personal items. |
| Lost or stolen baggage | * Provides funds to replace the contents of your missing luggage. * Costs must be within a pre-set amount. |
| Personal effects | * Protects your personal belongings throughout the duration of your trip. * Covers loss, theft, and damage. |
| Hotel burglary | * Protects all personal belongings in your hotel room. * Only covers theft, NOT loss or damage. |
| Rental car theft and damage | * Covers any costs associated with the damage or theft of a vehicle you've rented. * Allows you to waive the various types of insurance suggested by the rental agency. * Can be provided through your credit card or your personal car insurance. |
| Rental car accident | * Covers any damage caused to a vehicle you've rented if a collision occurs. |
| Rental car personal effects | * Provides funds to replace any personal items you had in a rental vehicle. * Covers loss, damage, or theft. |
"Cancel For Any Reason" coverage
Available as an upgrade from some travel insurance providers on some policies is the Cancel For Any Reason (CFAR) option. Its purpose is fairly self-explanatory: it allows you to cancel your trip for any reason that might not otherwise be covered in your plan.
However, there are usually a few caveats. Here are a few things to keep in mind regarding this type of coverage:
- Most providers have a strict timeframe for when you can take advantage of this coverage. Some require only a few hours before your departure, while others require several days.
- Some providers require that you purchase this upgrade within a certain amount of time from when you paid for the initial policy.
- It's very unlikely that you'll receive more than a 50% refund of what you spent on your unused coverage.
Are you missing important insurance coverage? Make sure you’re covered –here are 9 essential types of insurance in Canada .
And here's what's NOT generally covered by travel insurance
Travel insurance isn't perfect, and there are a few things that you can expect not to have included in your policy. Here are a few examples of what may not be covered by most insurance providers:
- Pregnancy
- Medical tourism (travelling elsewhere for a medical procedure)
- Medication refills
- Vision care
- Last-minute changes to your itinerary
- Routine health checkups or follow-ups
- Non-emergency care and cosmetic surgery
- Mental health disorders
- Drug or alcohol-related issues
- Pandemics, outbreaks, natural disasters, or bad weather occurring at your destination shortly before your departure
Your chosen travel insurance provider may cover some or all of these, but you shouldn't count on it. Be sure to read through your policy, especially the fine print, before committing.
Should I get travel insurance?
If you won't have any other health coverage on your trip, then you should consider getting travel insurance.
Here are some specific reasons you may need travel insurance:
- You’re visiting a high-risk area
- You’re leaving Canada, where provincial health plans don't fully cover costs
- You’re planning risky activities (like scuba diving, skydiving, etc.)
- You’re concerned about trip cancellations, delays, or lost luggage
Consider buying travel insurance if you're going abroad for non-leisure activities and will be gone for more than a few days.
Remember, your provincial/territorial coverage may not cover any of your medical costs abroad. Foreign hospitals may also require immediate payments, which your provincial plan can't cover for you.
You may not need additional coverage if you have a credit card that includes travel insurance.
Bottom line: Travel insurance provides essential protection against unexpected costs and risks. It's worth considering, especially for international trips.
How much does travel insurance cost?
Some sources say that travel insurance will cost approximately 5% to 6% of your total trip costs, while others claim it's between 4% and 8%. It's always wise to budget for more rather than less, so the latter option seems like a good range to assume during your planning phase.
There are a few factors that can affect the cost of a travel insurance policy:
- Number of travellers being covered
- Age and health needs of each person being covered
- Your chosen deductible
- Level of coverage you choose
- Trip destination and duration
Really, the more your trip costs, the more your travel insurance will cost. An inexpensive vacation to an all-inclusive Caribbean resort will likely result in a cheaper travel insurance policy than a month-long, $20,000 trip to India.
How to choose the best travel insurance policy
By now, you should know how to assess what you need for travel insurance, but there are a few key considerations to keep in mind, beyond just coverage and price.
- Deductibles: Are there high deductibles on your coverage? These can get you a cheaper premium, but your insurance won't be as helpful when it comes time to make a claim.
- Exclusions: Most insurance policies have a list of things that are specifically excluded from claims. This is very important to understand so you don't mistakenly think some things are included when they aren't.
- Your destination country: Are there any exclusions specific to the country you're visiting?
Plus, you should ask yourself these questions before committing to a provider or policy.
- What does the fine print say? Are there any unexpected details mentioned there that could affect coverage that's important to you?
- What are the emergency assistance options? Does the company offer 24/7 availability for this?
- Does the provider have a mobile app? Sometimes this feature can be more than just a convenience.
- What's the online claim submission process like? This could require a bit of research, but an easy submission can make a world of difference during an emergency.
- Can you extend the policy while still travelling? You may not need to, but it's nice to know that you can.
- Is your credit card's travel insurance enough? Or would a policy from a dedicated travel insurance provider be more appropriate for your needs?
And remember, it's very, very important to read over your policy and contract before actually leaving on your trip.
Best travel insurance credit cards in Canada
Many credit cards, especially premium travel credit cards, have substantial insurance packages included for no extra fee. And this often includes travel insurance
To take advantage, all you have to do is charge your trip-related costs to your credit card. There are no applications and no extra fees.
Here are the top-ranked travel insurance credit cards available in Canada and the travel-related insurance coverage they provide:
| Credit card | Best for | Types of travel coverage |
|---|---|---|
| RBC Avion Visa Infinite Privilege | Luxury travellers | * Travel accident * Emergency medical term * Emergency medical over 65 * Trip cancellation * Trip Interruption * Flight delay * Baggage delay * Lost/stolen baggage * Hotel burglary * Rental car theft/damage |
| BMO Air Miles World Elite Mastercard | Maximum coverage | * Travel accident * Emergency medical term * Emergency medical over 65 * Trip cancellation * Trip Interruption * Flight delay * Baggage delay * Lost/stolen baggage * Personal effects * Hotel burglary * Rental car theft/damage * Rental car accident * Rental car personal effects |
| National Bank World Elite Mastercard | Rewards | * Emergency medical term * Emergency medical term over 65 * Trip cancellation * Trip interruption * Flight delay * Baggage delay * Lost/stolen baggage * Rental car theft/damage |
| Scotiabank American Express Platinum | Seniors | * Travel accident * Emergency medical term * Emergency medical over 65 * Trip cancellation * Trip interruption * Flight delay * Baggage delay * Lost/stolen baggage * Hotel burglary * Rental car theft/damage |
| TD Aeroplan Visa Infinite Privilege Card | Aeroplan rewards | * Travel accident * Emergency medical term * Emergency medical over 65 * Trip cancellation * Trip interruption * Flight delay * Baggage delay * Lost/stolen baggage * Hotel burglary * Rental car theft/damage |
| American Express Platinum Card | Amex lovers | * Travel accident * Emergency medical term * Trip cancellation * Trip interruption * Flight delay * Baggage delay * Lost/stolen baggage * Hotel burglary * Rental car theft/damage |
| MBNA Rewards World Elite Mastercard | Car insurance and price protection | * Travel accident * Travel interruption * Flight delay * Baggage delay * Lost/stolen baggage * Rental car theft/damage * Rental car accident * Rental car personal effects |
You can find more information on these and others in our review of the best travel insurance credit cards in Canada.
Editorial Disclaimer: The content here reflects the author's opinion alone, and is not endorsed or sponsored by a bank, credit card issuer, rewards program or other entity. For complete and updated product information please visit the product issuer's website.
FAQ
Who has the best travel insurance in Canada?
TD Travel Insurance is the best overall option, but Manulife CoverMe Travel Insurance is the best choice for seniors. However, current RBC, BMO, and Scotiabank clients may find better offers through their banks – simply call and ask about options.
Should I get Costco travel insurance?
Costco travel insurance is provided by Manulife, which is one of the better travel insurance options for Canadians. Those with an Executive Costco membership save up to 5% on most Manulife travel insurance plans.
What's the best travel insurance for seniors in Canada?
Manulife CoverMe Travel Insurance and Medipac both offer excellent travel insurance coverage for seniors. There are also a few credit cards with decent travel insurance for seniors that you can consider, such as the National Bank World Elite Mastercard.
Where can I get cheap travel insurance in Canada?
The best way to get cheap travel insurance is by getting several quotes and comparing your options. Just be sure that the cheapest plan also has the specific types of coverage that your trip requires.
Do I need travel insurance to go to America?
Yes, you should still secure travel insurance even if you're just going to the U.S.A. Your provincial/territorial health insurance won't be of much help when you leave Canada, so it's best to be prepared.
Do I need travel insurance when I'm travelling within Canada?
Your provincial/territorial health insurance only covers specific things when you're outside of your home province or territory, and sometimes only partial coverage is provided. Therefore, it's best to secure travel insurance before any travel within Canada.
What kind of travel insurance can cover my medical and health bills?
Emergency medical coverage is your best bet if you're concerned about covering medical costs while you're away from home. The National Bank World Elite Mastercard provides emergency coverage for up to 60 days (15 for seniors).
What's the best credit card for travel insurance?
The best credit card for travel insurance is the RBC Avion Visa Infinite Privilege. This card comes with a total of 12 types of insurance, including emergency medical coverage, trip cancellation, flight delay, and more.
Are there things that travel insurance doesn't cover?
There are a few things that travel insurance won't typically cover, such as pregnancy care, medication refills, vision care, and routine checkups or follow-ups. Sometimes these are available at an extra cost, but sometimes not at all.
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