Travel insurance in Ontario
Travel with confidence. Emergency medical, trip cancellation, and baggage protection for vacationers, snowbirds, and visitors to Canada — single-trip or annual multi-trip plans.
- Emergency medical coverage abroad
- Trip cancellation & interruption
- Single-trip & annual multi-trip options
OHIP covers little to nothing outside Ontario — and even less outside Canada. A single medical emergency abroad can cost tens of thousands of dollars. Travel insurance protects you from that risk and handles the emergencies that can derail a trip.
Whether you’re taking one big vacation, travelling frequently for work, spending winters down south, or hosting family visiting Canada, there’s a plan sized to the trip.
Types of travel insurance
Emergency medical is the core coverage — it pays for hospital, physician, and emergency treatment while you’re away from your home province. Trip cancellation and interruption reimburse non-refundable costs if you have to cancel or cut a trip short for a covered reason. Baggage coverage handles lost, stolen, or delayed luggage.
Frequent travellers often save with an annual multi-trip plan that covers unlimited trips up to a set number of days each. Snowbirds need plans built for longer stays, and visitors-to-Canada coverage protects family and new residents who aren’t yet on a provincial plan.
Key benefits
Emergency medical abroad
Covers the huge out-of-country medical bills OHIP won’t.
Trip cancellation & interruption
Recover non-refundable flights, tours, and deposits for covered reasons.
Annual multi-trip savings
Frequent travellers can cover a whole year of trips for less than repeat single policies.
Snowbird & visitor plans
Coverage sized for long winter stays and family visiting Canada.
Who needs travel insurance?
- Anyone travelling outside Ontario, even within Canada
- Snowbirds spending winters in the U.S. or abroad
- Frequent business or leisure travellers (annual plans)
- Parents/relatives visiting Canada without provincial coverage
- Travellers with pre-existing conditions needing stable-condition coverage
How much does travel insurance cost?
Cost depends on your age, trip length, destination, coverage limits, and any pre-existing conditions. A short trip for a young, healthy traveller can cost very little, while longer snowbird stays and older travellers pay more — but the coverage is trivial next to the cost of an out-of-country hospital stay.
We compare insurers on price, medical limits, and — critically — how they handle pre-existing conditions and the stability period, so your claim isn’t denied on a technicality.
*Rates shown across this site are illustrative and vary by insurer, health, age, and coverage. Your exact quote is free and takes minutes.
Travel Insurance FAQs
Doesn’t my credit card include travel insurance?
Some cards include limited coverage, but it often has low limits, short trip caps, age restrictions, and gaps around pre-existing conditions. We review what your card actually covers and top up only what you need.
What is a “stability period” for pre-existing conditions?
Many medical plans only cover pre-existing conditions that have been stable (no changes to treatment or medication) for a set period before departure. Getting this right is the single biggest factor in avoiding denied claims, and we help you match the right plan.
Single-trip or annual plan — which is cheaper?
If you take two or more trips a year, an annual multi-trip plan is usually cheaper than buying separate single-trip policies. We’ll compare both based on your travel habits.
Can I insure a parent visiting Canada?
Yes. Visitors-to-Canada insurance covers family and new residents who aren’t yet eligible for provincial health coverage, including some pre-existing condition options.
Ready to protect what matters most?
Get a free, no-obligation quote in minutes — or talk to a licensed Ontario advisor today.