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Travel Insurance for Canadians
Planning a trip from Canada? Travel insurance can help protect you against eligible medical emergencies and unexpected travel costs that may not be covered by your provincial health plan.
At SSJ Financial, we help Canadians explore travel insurance options for trips within Canada and around the world. Coverage can include emergency medical protection and, depending on the plan, trip cancellation, trip interruption, baggage and other travel benefits.
Why Consider Travel Insurance?
- Emergency medical protection
- Trip cancellation and interruption options
- Coverage options for international travel
- Support from a licensed insurance advisor
Every policy is different. Limits, exclusions, deductibles, medical eligibility and stability requirements apply, so it is important to review the policy wording before you buy.
Before You Travel
Choosing the right travel insurance can help provide added financial protection when unexpected situations occur while you are away from home.
- Compare coverage options from leading Canadian insurers
- Choose coverage based on your age, destination and trip length
- Review options for eligible pre-existing medical conditions
- Understand deductibles, benefits, limits and exclusions
Not sure which plan is right for you?
Select your age group to continue to an online quote.
Have questions? Call 416-825-3091
Travel Insurance Coverage Options
Choose coverage based on your trip, destination and personal needs.
Emergency Medical Travel Insurance
Helps protect against eligible emergency medical expenses while travelling. Depending on the policy, coverage may include hospital treatment, physician services, emergency dental care, ambulance services and other eligible expenses.
Medical Evacuation & Repatriation
Medical transportation can be extremely expensive. Eligible travel medical plans may provide transportation to another medical facility or back to Canada when medically necessary and authorized under the policy.
Trip Cancellation
Trip cancellation coverage may reimburse eligible prepaid, non-refundable travel expenses when you cancel before departure for a covered reason.
Trip Interruption
If a covered event occurs after your trip begins, trip interruption coverage may help with eligible additional travel expenses and unused prepaid arrangements.
Baggage & Travel Protection
Depending on the plan, benefits may be available for eligible baggage loss, theft or delay and other covered travel-related events.
24/7 Travel Assistance
Some plans include access to emergency assistance services that can help coordinate medical care and other support while you are travelling.
Travel Insurance Within Canada
A valid Ontario health card can provide coverage for some medically necessary insured services when you temporarily travel to another Canadian province or territory. However, OHIP does not cover every travel-related expense.
For example, Ontario identifies ambulance services, prescription drugs outside a hospital, home care and private facility fees among services that are not covered when travelling to another province or territory.
Domestic travel insurance may help address eligible expenses that are outside your provincial health coverage, depending on the plan.
Travel Insurance Outside Canada
Travelling outside Canada can expose you to medical costs that may be far higher than the amount covered by your provincial plan. OHIP may cover certain emergency services outside Canada only when specific requirements are met and generally at Ontario rates.
Ontario recommends purchasing private travel medical insurance before leaving the province. The Government of Canada also advises Canadians travelling outside Canada to arrange travel health and trip interruption insurance before departure.
International travel insurance can be especially important for medical emergencies, evacuation and return transportation.
Travel Insurance for Seniors & Pre-existing Conditions
Travel Insurance for Seniors
Travel insurance is available for older travellers, but premiums and eligibility can vary by age, destination, trip duration and medical history. Some plans are specifically designed for senior travellers.
If you are a senior traveller, compare the medical eligibility requirements, deductible, coverage limits and stability period before selecting a plan.
Pre-existing Medical Conditions
A pre-existing medical condition does not automatically mean that travel insurance is unavailable. Some policies may provide coverage when the insurer's eligibility and stability requirements are met.
A stability period generally refers to a period during which a medical condition, medication or treatment must remain stable before travel for coverage to apply. The exact definition varies by insurer and policy.
Answer medical questions accurately and review the policy wording carefully. When appropriate, ask your doctor about medical questions you cannot answer confidently.
Single-Trip vs Annual Multi-Trip Travel Insurance
Single-Trip Travel Insurance
A single-trip plan is designed for one specific trip. It can be useful when you have one vacation, business trip or extended journey planned during the policy period.
- Coverage is tied to one trip.
- Trip dates and destination matter.
- Coverage limits and benefits depend on the selected plan.
Annual Multi-Trip Travel Insurance
An annual multi-trip plan is designed for travellers who expect to take multiple trips during a policy year. The maximum length permitted for each trip varies by plan.
- One policy can cover multiple eligible trips.
- Useful for frequent travellers.
- Each trip remains subject to the plan's maximum trip duration.
Does OHIP Cover You When You Travel?
Outside Ontario
OHIP provides coverage for some medically necessary insured physician and public-hospital services when you temporarily travel to another Canadian province or territory.
However, Ontario states that some expenses are not covered, including ambulance services, prescription drugs outside hospitals, home care, private hospital or facility fees and certain other services.
Outside Canada
OHIP may provide limited reimbursement for certain emergency medical services outside Canada when specific criteria are met. Coverage is generally based on Ontario payment rates rather than the full amount charged abroad.
OHIP does not cover the cost of transferring an Ontario resident from an overseas hospital back to Ontario for ongoing care. Private travel medical insurance can provide important additional protection, subject to the policy.
How to Choose a Travel Insurance Plan
1. Check Your Destination
Your destination and the countries you will visit can affect eligibility, coverage and premium.
2. Review Medical Coverage
Look at emergency medical limits, deductible, hospital coverage, emergency transportation and assistance services.
3. Understand Medical Eligibility
Review pre-existing condition definitions, stability periods and medical questionnaires before purchasing.
4. Compare Trip Benefits
If you need trip cancellation or interruption protection, check the covered reasons, limits and exclusions.
5. Check Exclusions
Pay attention to exclusions involving hazardous activities, alcohol or drugs, travel advisories and other policy restrictions.
6. Buy Before You Travel
Arrange appropriate coverage before departure and keep your policy information and emergency assistance number accessible.
Travel Insurance FAQs
Important Information
This page provides general information about travel insurance and is not a substitute for the wording of an insurance policy. Benefits, limits, exclusions, deductibles, eligibility requirements and medical stability rules vary by insurer and plan. Coverage is subject to the policy terms and conditions.
Government health plans do not provide the same coverage as private travel insurance. Ontario recommends private health insurance before travelling outside Ontario and specifically recommends travel medical insurance with transportation coverage when travelling outside Canada.
Please review the policy wording carefully before purchasing. If you have a medical condition or are unsure how a question applies to you, ask your doctor or licensed insurance advisor for clarification.
