Travel insurance for Canada

Get Canada travel insurance by comparing your options from NZ brands with a quick quote.

Make sure you’re covered for your hikes in the stunning Rocky Mountains, the slopes of Whistler and the uneven cobble stoned streets of Old Montreal. Not to mention a missed flight, lost luggage or a mid-holiday injury. So before you fly to The Great White North, you’ll need to tick one more thing off your to-do list – travel insurance.

Compare travel insurances for Canada

Name Product Medical Cover Cancellation Cover Luggage and Personal Effects Cover Default Excess
Unlimited
$50,000
$0
$100
Unlimited
$50,000
$5,000
$100

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What does Travel Insurance Generally Cover?

Unlike many other things we tend to hoard around on our travels, a comprehensive travel insurance policy for your trip to Canada is a non-negotiable, must-pack item.

While each travel insurance policy will offer different premiums for higher or lower coverage, some common protections you can expect in your travel insurance policy include:

  • Overseas emergency medical cover for medical, hospital, surgical, nursing and emergency dental treatment
  • Cancellation fees and lost deposits in case you lose your accommodation bonds or flight costs
  • Luggage and personal effects if they are lost, damaged or stolen
  • Delayed luggage allowance so you can get on with your trip feeling fresh while you wait for your bags to arrive
  • Travel delay in case you have to unexpectedly spend an extra night somewhere
  • Accidental death if you pass away from an injury you have suffered on your trip
  • Personal liability to cover you for legal liability and legal expenses
  • 24/7 worldwide assistance so you’re never left alone without help in an emergency

Travel Insurance for Canada General Exclusions

Having a comprehensive Canada travel insurance could be worthless if your insurance claims are rejected due to exclusions. As with any insurance policy, it’s important to look out for all exclusions listed in your policy’s Product Disclosure Statement (PDS).

Your Canada travel insurance claim will typically not be paid if:

  • You ignored the travel warning advisories from the Department of Foreign Affairs and Trade and travelled to a region that had a DO NOT TRAVEL warning
  • You were irresponsible such as acting up while under the influence of alcohol or leaving your luggage without supervision in a public place
  • You were under the influence of drugs other than those prescribed by a medical practitioner and taken accordingly
  • You’re claiming for a pre-existing medical condition that you didn’t tell your insurer about when you first applied for your Canada travel insurance
  • You acted illegally or unlawfully
  • You were participating in high-risk adventure sports or activities
  • It relates to self-inflicted harm, including suicide
  • It relates to acts of war, rebellion or terrorism

Canada health and safety background for travellers

Travel insurance in Canada can cost as low as just $4 per day. Compare that to the fact hospital charges can escalate to $1,000-$2,000 for foreigners, getting cover is a no-brainer.

Overall, Canada is a safe travel destination with the majority of hospitals and medical clinics offering an excellent standard of care, but accidents can happen anywhere, especially if you’re enjoying Canada’s great outdoors and hiking in the mountains or skiing down the slopes.

Without travel insurance, you could be sorely unprepared for the full payment that will be required before receiving appropriate medical attention. In the worst case scenario, you may even have to cut your trip short after being left out of pocket by an unexpected injury or illness, taking home more than you bargained for with additional lost deposits and cancellation fees.

With comprehensive travel insurance, you’ll be able to enjoy the magnificence of Canada with an easy peace of mind, being covered for both medical emergencies and any additional costs if you have to reschedule.

Travel insurance for a working holiday in Canada is compulsory

Health insurance is a compulsory requirement for all working holiday permit holders in Canada. Upon entering Canada, you will be asked to show proof of your health insurance for the entire duration of your intended stay. So if you intend to stay for two years but only have enough health insurance for one year, you will only be able to receive a visa valid to last 12 months.

“But can’t I just get a cheaper Canadian health insurance when I get there?”

Repatriation coverage is included in your health insurance during your working holiday, which leaves Canadian health insurance out of the question. Plus with the added benefits of being covered for extra things such as lost or damaged luggage and cancellation costs for those extra weekend trips away, why wouldn’t you pick a comprehensive travel insurance policy?

Comparing travel insurance policies doesn’t have to be a pain. Use finder.com.au to easily compare Canada travel insurance policies to match your budget and your needs to ensure a smooth start to your working holiday in Canada.

Winter Sports Travel Insurance for Canada

Canada is one of the top destinations in the world for skiing enthusiasts with your choice of marked runs, alpine bowls and glaciers in multiple provinces. But before you pack your snow gear and rush over to carve down your favourite mountains, have you considered what you would do if you were wiped out on a slope or in the event of a piste closure?

If you are headed to conquer the miles of snow outstretched in Canada, a ski insurance policy could save you multiple headaches and your hard-earned savings with coverage for things such as:

  • Medical treatment
  • Emergency rescue
  • Luggage and ski equipment
  • Ski pack reimbursement
  • Piste closure
  • Bad weather and avalanche closure

Find out more of the benefits of Ski Travel Insurance

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Who do I contact in an emergency?

If you find yourself in an emergency in Canada, some of helpful contacts include:

  • You travel insurer. You insurance provider will have an 24/7 helpline for claims and medical emergencies.
  • Police, Fire, Ambulance, Mountain Rescue. You can reach these services by dialing 911.
  • New Zealand Embassies and Consulates. You can find the contact details of New Zealand Embassies and Consulates in Canada below.

Canada Travel Tips

Canada is a beautiful country but with its large size and countless sights to take in, it can feel a little overwhelming. Luckily, the locals are known for their friendliness and English is the official language, which means that you are bound to have no trouble finding your way around the local gems.

Here are some tips to help get you started:

  • Visas for tourists – Because Canada is one of our friendly sisters of the Commonwealth, you won’t need to apply for a visa if you intend to travel with your New Zealand passport.
  • Drive safe – Renting a car and taking a road trip across the provinces is a popular option for Kiwis to discover Canada. But beware of your New Zealander driving habits – they drive on the right hand side of the road!
  • Tipping – It is customary to tip approximately 15% of the total bill before tax, and around 20% for exceptional service. If you are a larger group of 8 or more, restaurants may charge an automatic 15% on your bill. An easy method to figure out the appropriate amount for a 15% tip is to multiply the 5% GST amount shown on the bill by three.
  • Parlez-vous Français? – Heading to Quebec and worried because you don’t speak any French? Not a problem. Most Quebecois are fluently bilingual and it is common to be greeted with “Bonjour, Hi” at the shops and restaurants, allowing you to choose whether you wish to converse in English or French.

Find out the best way to take your travel money to Canada

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Travel Insurance Canada FAQs

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Bottom line

Canada is a prime destination for New Zealand travellers with a wide array of explorations on offer. Whether you’re headed to hike in British Columbia, off to ski the slopes at Whistler or explore the historic French sights of Quebec, a comprehensive Canada travel insurance will give you invaluable peace of mind for whatever adventure you choose to take on in the land of the maple leaf.

Picture: Getty Images

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