Travel Insurance in Canada
Travel Insurance for Canadians
Your provincial health plan was designed for care at home — not for a hospital in Florida, Mexico, or Europe. Once you leave your home province, your coverage shrinks, and outside Canada it covers only a small fraction of what foreign hospitals charge. Travel insurance for Canadians fills that gap, so one medical emergency abroad doesn’t turn into a financial one at home.
Why Canadian travellers need their own coverage
Provincial plans like OHIP pay only limited amounts for care received outside your home province, and even less outside the country. A single emergency room visit or hospital stay abroad can cost far more than most travellers expect. Travel medical insurance pays for the unexpected: emergency treatment, hospitalization, and getting you home safely.
What's covered
A good travel insurance plan for Canadians typically includes:
- Emergency medical care — hospital stays, doctor and specialist services, diagnostic tests, and ambulance services
- Prescription drugs — medications required to treat a covered emergency
- Emergency evacuation and repatriation — transport to the nearest suitable facility, or back to Canada when medically necessary
- 24/7 emergency assistance — a helpline that coordinates your care and talks to the hospital on your behalf, any time of day
Package plans can add trip cancellation, trip interruption, and baggage protection for the non-medical side of travel.
Single-trip vs. multi-trip annual plans
Taking one trip? A single-trip plan covers you for those exact travel dates. Travelling more than once a year — business trips, family visits, winter escapes — an annual multi-trip plan covers every trip you take within the year and is usually the better value for frequent travellers.
Snowbird-friendly options for long winter stays
Heading south for the winter? Snowbird travel insurance is built for extended stays: long coverage periods, medical follow-up benefits back in Canada, and options for travellers with pre-existing conditions. If you take daily medication or manage a health condition, talk through your medical history before you buy — the right plan depends on it, and a broker can match you to an insurer whose rules fit your situation.
Frequently asked questions
Do I really need travel insurance if I have provincial health coverage?
Provincial coverage outside your home province is limited, and outside Canada it covers very little. Travel insurance covers the difference — most travel-savvy Canadians wouldn't cross the border without it.
What about my pre-existing medical conditions?
Many plans cover stable pre-existing conditions, but the definition of "stable" and the required stability period differ between insurers. Disclose everything honestly — incomplete medical information is the most common reason claims get denied.
Is a multi-trip plan worth it?
If you take two or more trips a year, an annual multi-trip plan is usually cheaper and far more convenient than buying a separate policy every time.
What should I do if I get sick while travelling?
Call the 24/7 emergency assistance number on your policy as soon as you can. They'll direct you to appropriate care, coordinate with the hospital, and handle the paperwork.
Why buy through Jubilee Financials
With 540+ five-star Google reviews, Sohil Rayani helps Canadian travellers compare plans from multiple Canadian insurers and choose coverage that actually fits the trip — then stays with you if you ever need to claim. Always with you — from sales to claims.
Call or text Sohil Rayani at 647-567-6786 for a free travel insurance quote, or visit www.jubileefinancials.com.
