travel insurance in ontario

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Explore Comprehensive Travel Insurance Plans Across Canada

Welcome to Travel Guardian Insurance, your trusted partner for comprehensive travel insurance in Ontario and throughout Canada. We take pride in offering high-quality coverage at reasonable prices, even for individuals with pre-existing conditions. Planning a trip? Get peace of mind with our customizable travel insurance plans.

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Affordable Travel Insurance Across Canada

Discover budget-friendly travel insurance solutions tailored to meet your needs in Ontario, Alberta, BC and across Canada. Our policies ensure you’re covered for unexpected events, providing financial security throughout your journey.

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Obtain a fast and accurate travel insurance quote with our user-friendly online tool. We understand the importance of transparency, and our quotes reflect our commitment to offering value-driven coverage.

Coverage for Pre-Existing Conditions

At Travel Guardian Insurance, we specialize in providing coverage for individuals with pre-existing conditions. Our inclusive plans ensure that everyone can enjoy their travels worry-free.

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Whether you’re near our offices in Barrie, Abbotsford, Edmonton, Amherstburg, or located anywhere else in Canada, we’ve got you covered. Explore our regional coverage options designed to address specific needs in your area.

Need another reason to choose Travel Guardian? Check out our Google Reviews pages for Barrie ,  Abbotsford , Edmonton and Amherstburg . We pride ourselves on our dedicated customer service and accommodating team.

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By Lisa Jackson

Best travel insurance in Canada

Day Of Victory Studio / Shutterstock

You’ve packed your bags, mapped your itinerary, and set your “out of office” message – it’s vacation time! But what about travel insurance?

According to a 2024 study by Pacific Blue Cross ,  a British Columbia health benefits provider, 87% of Canadians recognize the risks of travelling without insurance, while 57% purchase a policy at least occasionally. However, younger generations remain rather hesitant about the need for this coverage when travelling abroad. Nearly half of Gen Z travellers (47%) who never purchase insurance say it is because they don't think anything anything bad will happen when vacationing. They also underestimate the actual cost of emergency medical care more than any other generational cohort. 

As a professional travel writer, I find this rather alarming. Canadian health insurance is not valid outside Canada, and your provincial or territorial health plan may not cover all the costs even if you’re travelling domestically. If you suffer an accident or get sick abroad, unexpected medical bills can bankrupt you. It’s why the Canadian government advises all travellers to buy travel insurance, and I never leave the country without it. Whether you’re taking a two-week trip or a spending a year abroad, every one needs the best travel insurance offered to Canadians, regardless of age, health status, destination or length of vacation.

Best for thrill seekers: World Nomads

Designed for adrenaline lovers with wanderlust, World Nomads insures a long list of adventure sports, activities and volunteer or work experiences, as well as sporting equipment delay/loss/theft. You also get access to a 24/7 hotline that provides information that adventure travellers may need including weather reports and travel advisories, assistance locating the nearest trail and finding a gear shop.

The standard policy covers emergency medical expenses up to $5 million, emergency dental, trip cancellation/interruption/delay, baggage delays/theft/damage and more. The downside: You must be under 66 years of age to qualify.

Best for families: CAA Travel Insurance

A long-trusted Canadian institution, CAA travel Insurance offers flexible travel plans to suit every type of traveller and vacation, but its policies are particularly great for families. The stand-alone emergency medical policy of up to $5 million in health coverage is extremely comprehensive, even including medical repatriation, emergency dental and reimbursements for pet care and kennelling.

The Vacation Package Plan provides full cancellation/interruption insurance – ideal for prepaid, all-inclusive vacation packages – and family transportation and escort of children during emergencies. Anyone can buy CAA travel insurance but members get a 10% discount.

CAA’s emergency medical plans also now include coverage for COVID-19-related illnesses for vaccinated customers. Coverage is up to $2.5 million if partially vaccinated and up to $5 million if fully vaccinated.

Best for seniors and retirees: Blue Cross

Blue Cross has been around for more than 70 years, and 1 in 4 Canadians utilize its travel insurance. The company's emergency medical covers up to $5 million. It has special “snowbird” travel insurance packages designed for Canadians who head to warmer climates each year, making Blue Cross ideal for retirees.

Part of the package is the Flight Delay Service, a free perk that provides a range of benefits if including exclusive coupons for access to lounges or hotels (depending on the length of the delay). Pre-existing conditions are generally not covered.

Best for budget travellers: Travel CUTS Bon Voyage Insurance

Starting at only $1.36 a day, Travel CUTS Bon Voyage Insurance offers very affordable travel insurance packages. Yes, it’s geared toward students (e.g., you can swap your travel dates at no charge due to an exam schedule conflict), but anyone between 15 and 50 years of age can purchase a policy.

The standard package includes hospital and medical up to $1 million, dental care, air ambulance evacuation, flight accident, accidental death or dismemberment and trip interruption/cancellation insurance. Adventure and extreme sports are also covered.

Best for Canadians with pre-existing medical conditions: Manulife CoverMe

Manulife CoverMe offers highly comprehensive Canadian travel insurance packages and You access to the TravelAid mobile app, which provides directions to the nearest medical facility and local emergency telephone numbers.

However, the stand-out feature is arguably TravelEase – a special policy designed to cover fully disclosed medical conditions. For travellers with pre-existing conditions, it insures a bunch of expenses for health services and transportation. It provides up to $10 million in emergency medical benefits – a unicorn in the travel insurance world.

Best for emergency medical assistance: Medipac Travel Insurance

Medipac is one of the only travel insurance companies out there that is staffed by their own team of trained medical professionals, via its Medipac Assistance hotline. The company's medical professionals are your first point of contact in an emergency medical situation. This service is also helpful for dealing with foreign medical systems and helping prevent unnecessary expenses when dealing with a large deductible.

Medipac offers several competitive features for their travel insurance plans, including no age limits, a claim-free discount and a 90-day stability period for most pre-existing conditions. If your pre-existing medical condition isn’t covered by a standard Medipac insurance plan, the company also offers personalized, underwritten insurance policies to help you meet your needs.

Medipac provides coverage for up to $5 million USD, including COVID-19, in addition to its other benefits. Additionally, most new clients may be able to save 3-5% in their first year with the company's Claim-free Advantage discount.

Best for frequent travellers: Allianz Travel Insurance

Touted as a world leader in the Canadian travel insurance and assistance industry, Allianz Travel Insurance is a major provider of travel insurance, corporate assistance, and concierge services. It seeks to help its customers find solutions to various travel-related problems. Allianz Travel has partnered with many reputable companies, including travel agencies, airlines, resorts, websites, event ticket brokers, corporations, universities and credit card companies.

Allianz Travel Insurance is a great choice for anyone looking for travel insurance. Its single-trip plans are perfect for those leaving home and visiting another destination (or destinations) before going back home. Its parent company, Allianz Global Assistance, has five plans to choose from, all offering different levels of protection and coverage.

Allianz Travel Insurance’s annual/multi-trip plans are perfect for both personal and professional travelers who take multiple trips in a year. It offers four distinct options to choose from.

Will my provincial insurance be valid overseas?

No! If you get sick or injured overseas, the Canadian government will not cough up a dime to cover your medical costs. Here are the sobering facts:

• Canadian public health insurance is not valid outside of Canada.
• Foreign hospitals can be extremely expensive and may demand payment before treating you.
• The Canadian government will not pay a Canadian’s medical bills for an illness or accident suffered abroad. You’re on the hook for footing the bill!

Will my provincial insurance work in another province/territory?

Flash your valid provincial health card in another part of Canada and you’ll likely be covered for some of the same services insured by your home provincial plan. This is because the provinces and territories (except Quebec) signed an agreement whereby the host province foots the bill for any medically necessary health care services and gets reimbursed by the home province later.

However, that doesn’t mean you’re completely out of the woods. Depending on your destination, a slew of other services may not be covered such as an ambulance, hospital transfer, prescription drugs, transportation back to your home province and procedures not currently approved by your home plan.

Additionally, since Quebec wasn’t a signatory to the interprovincial billing agreement, you’ll likely be charged for any medical bills incurred there. For this reason, it’s recommended that you buy extra travel insurance (or verify your  credit card’s travel insurance coverage ) to cover any uninsured health care services that may crop up during your trip.

What does the best travel insurance in Canada cover?

Every travel insurance policy is different and what’s covered depends on how much you’re willing to pay for coverage. Typical medical services that you can expect to be covered include:

• Emergency hospital and medical costs
• Ambulance and air ambulance costs
• Outpatient services
• Physician and laboratory costs
• Prescription drugs
• Direct payment to the hospitals and doctors caring for you
• Assistance with bringing a family member to your bedside
• Air ambulance or commercial repatriation home
• Return of your vehicle if you are ill and have to come home

Additional benefits may include:

• Trip cancellation for non-refundable monetary losses
• Trip interruption
• Baggage loss, rental car damage, out-of-pocket expenses
• Accidental death and dismemberment

How much coverage do I need?

Securing a policy with a $1 million as a maximum payable is a safe bet. But don’t just look at the numbers when choosing a policy – read the fine print. Every insurer has a list of situations in which coverage is not provided, otherwise known as “exclusions.” Check whether your provider includes coverage or has provisions for the following:

• Pre-existing medical conditions: According to the International Association for Medical Assistance to Travelers, a pre-existing condition is “something that happened (or started to happen) before you were insured.” Some policies may cover claims relating to pre-existing conditions that are “stable and controlled,” but read the definitions carefully. If you don’t declare a condition, the entire policy could be invalidated!
• Medical evacuation: Ensure the policy covers medical evacuation to the nearest hospital and/or to Canada, as well as the costs of a medical escort to accompany you to your final destination.
• Repatriation in case of death: On the grim side, ensure that your plan covers the preparation and return of your remains to Canada.
• Adventurous Activities: If you plan on engaging in “high-risk” activities on your trip, you may need to shell out extra money for a more comprehensive plan. Many policies don’t cover “risky” activities, such as skiing or snowboarding “out of bounds,” skydiving, scuba diving, white-water rafting, mountaineering or participation in any rodeo activity. To cover your bases, ask questions and get specifics before purchasing a policy.

You may have to pay more to have these things included, but a few extra bucks may be worth it for peace of mind.

Should I buy “a la carte” travel insurance or get a travel credit card with free insurance?

A credit card with travel insurance is always a good thing to carry in your wallet. The  best travel credit cards in Canada  usually cover everything from emergency medical costs to trip cancellation/interruption to flight delay to rental car insurance, which could save you a wad of cash.

The  Scotiabank Gold American Express® Card  has saved my butt a few times, and I’ve filed several travel-related claims through my card. I cancelled my trip to Portugal a few years ago due to a death in the family, and I got a full refund on my hotel deposit and flights for myself, my husband and my baby. It totally justified the $120 annual fee.

That being said, don’t rely on your credit card to take care of all your travel insurance needs. It usually includes a basic policy, meaning it offers low (or no!) travel medical insurance as part of the package. Like any travel insurance company policy, you’ve really got to read the fine print and understand the conditions of your policy to avoid sticky situations.

For instance, the Scotiabank Gold American Express ® Card requires a cardholder to have charged at least 75% of trip expenses to make a trip cancellation/interruption insurance claim. So if you book an all-inclusive vacation for $5,000 and then cancel due to illness, at least $3,750 must have been charged onto your AMEX to qualify for a claim. If you didn’t do that, you’re out of luck.

Conditions Apply. Visit here for the Scotiabank Gold American Express® Card to learn more. *See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information.

Can I still purchase insurance if i’ve already started my vacation?

The short answer: most insurance providers won’t cover you after your departure date. However, a handful of insurers (such as World Nomads) will allow you to purchase a policy while already overseas. Just know that it can come with sky-high costs and/or conditions: World Nomads has a 48-hour waiting period before coverage kicks in. The bottom line? It’s always best to buy travel insurance before leaving the country.

Can I get travel insurance for part of a trip?

Some plans offer insurance coverage options that will allow you to customize your coverage, but you’ll have to research to find one that works for your unique circumstances. Alternatively, you could take out an insurance policy for each destination and/or segment of your trip.

For instance, you could get a World Nomads policy for the two weeks you’re scuba diving in Australia, followed by a basic Travel CUTS Bon Voyage insurance to cover a month-long trip to Europe. However, when you buy Canadian travel insurance, you must select a trip start and end date – meaning you must know the exact dates for travelling to those places.

Should I carry a printout of my policy with me at all times?

I recommend carrying the travel insurance card in your wallet and locking it up in the hotel safe with other important travel documents like your passport. But don’t rely totally on paper: Wallets get lost or stolen, luggage can be delayed or M.I.A. and papers are easy to misplace when you’re on the road. My advice is to send a copy of the policy to your email and save it on your iCloud or another storage system that can be accessed anywhere, anytime.

Recommended reads

• What’s the Added Value of a Credit Card with Travel Insurance?
• The Best Travel Rewards Programs in Canada
• Aeroplan vs. AIR MILES vs. Avio n

Lisa Jackson is a freelance personal finance and travel journalist, editor, and blogger who contributes to various online and print media outlets in Canada and abroad, including The Globe & Mail, Toronto Star, Islands Magazine, Fodors, BRIDES, Huffington Post Canada, CAA Magazine, The Food Network, West Jet Magazine, NUVO Magazine, and many others. When she's not writing from her home office, she's busy globe-trotting to new destinations in search of her next story.

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The Best Travel Insurance in Ontario: A Practical Guide

Posted on Published: January 10, 2024  - Last updated: July 6, 2024

Categories Blog , Product Reviews , Resources , Reviews , Travel Planning , Travel Safety

Looking for the best travel insurance in Ontario and the rest of Canada? Travel insurance is an absolute essential when you’re travelling outside of the province. Accidents and emergency situations happen all the time. It’s best to be well-equipped should these potential pitfalls arise.

We’re going to explain why you need travel insurance and include a brief guide to how travel insurance works . Then, we’ll introduce you to our insurance company of choice, soNomad . They’ve quickly become our new favourite travel insurance company due to their simple and low cost approach. Who said that travel insurance had to be complicated and expensive?

This article contains affiliate links, which help run this site at no extra cost to you.

Table of Contents

Why Do I Need Travel Insurance?

Everyone needs travel insurance, plain and simple. If you are travelling outside of Canada, you need travel insurance. While visiting new destinations and embarking on new adventures can be incredible, life-changing experiences, it’s always best to expect the unexpected. Anything can happen when you’re away, and these situations become much more complicated when you’re not close to home.

Travel insurance provides a safety net should the unexpected happen. You could face a medical emergency, unanticipated trip cancellations, or family emergencies where you need to travel back home earlier than expected. There might be other problems like flight cancellations, lost baggage, or even natural disasters.

Travel insurance is for everyone. It doesn’t matter whether you’re a business traveller, student on exchange, backpacker, frequent traveller, cruiser, senior or retiree, expatriate, or any kind of tourist. If you’re leaving the country, please plan ahead and protect yourself with a travel insurance policy.

The Best Travel Insurance in Ontario: soNomad

After reviewing and trying several travel insurance companies, soNomad stands out as the best travel insurance in Ontario. They describe themselves as a “no-nonsense travel insurance company”. I love that. You have enough planning to do for your trip, so why should travel insurance be overly complicated?

soNomad has reinvented travel insurance and you will save up to 25% in the process when compared to other travel insurance companies. They can offer lower travel insurance prices as they have access to exclusive products that are not offered by other companies.

Their policies offer emergency medical coverage to Canadians travelling outside of their provinces. soNomad’s trip cancellation and interruption insurance protects you from financial costs associated with unexpected events.

soNomad also offers travel insurance for visitors to Canada. If you live outside of Canada but you’re planning a trip to Canada, you can take advantage of their “visitors to Canada travel insurance”. This will save you from costly medical bills while you travel to Canada.

Best Travel Insurance in Ontario: What Does soNomad Cover?

soNomad offers extensive travel insurance coverage in a variety of areas. When it comes to travel medical insurance, trip cancellation or interruption, flight delays or cancellation, baggage insurance, emergency evacuation and repatriation, and adventure sports, they’ve got you covered.

Travel Medical Insurance

Medical insurance is often the first thing that comes to mind when people think of travel insurance. If you have travel medical insurance, your bills will be covered if you need to visit the doctor or hospital when you’re abroad.

Considering how much medical attention can cost in foreign countries, every traveller should have travel medical insurance. Medical expenses abroad could leave you with substantial debts and financial ruin. So, instead of worrying about the medical bill, you can focus on your own recovery.

As an additional note, it is important to get travel medical insurance, even if you’re travelling out of province. Canadian provincial healthcare covers you if you get injured in another province or territory, but it may not provide coverage for emergency services such as a helicopter evacuation.

Trip Cancellation/Interruption

Having trip cancellation will allow you to cancel your trip before departure or while you’re travelling. You might have a sudden illness or injury that keeps you from your holidays. There might be a family emergency that forces you to stay home or return home unexpectedly.

Adding trip cancellation and interruption insurance means that you’ll secure the cost of your trip should the unforeseen happen. You can reschedule your trip for a later date without losing out.

Flight Delay or Cancellation

Flight delays and cancellations happen all the time. These can completely interrupt your original itineraries or turn your vacation into a chaotic situation. For example, if you’re going on a cruise and the ship leaves on a set date, a flight delay or cancellation can completely impact your trip.

Travel insurance can help you right away when you have a flight delay or cancellation. It will help you with your meals and accommodations that are necessary while you wait for the next available flight.

Baggage Insurance

Baggage insurance pays you if your bags are lost or delayed. I’ve been in situations where I’ve waited at the luggage carousel at the airport…and my suitcase never appears. With travel insurance, you can recoup your losses as you’ll likely need to purchase many new items upon arrival.

Emergency Evacuation and Repatriation

Natural disasters and political conflicts can happen overseas. Travel insurance provides a backup plan in case there is an emergency evacuation or you need to be repatriated. soNomad will walk you through all the necessary steps to ensure your safety, especially when it comes to dangerous situations.

Adventure Sports Coverage

Did you know that many travel insurance policies won’t cover adventure sports? For parasailing, scuba diving, skiing, and others, you may not be covered. Fortunately, soNomad offers policies that are designed to protect you for adventurous activities overseas. To make sure you are covered for the sports activities you’ll be participating in, please reach out to a soNomad representative at 1-855-221-4555.

Why is soNomad the Best Travel Insurance in Ontario?

Does soNomad offer the best travel insurance in Ontario and other provinces within Canada? There are a few things that set soNomad apart from other travel insurance companies.

Not only can you receive 24/7 customer service and have peace of mind when you travel overseas, but you’ll also find that soNomad offers the most affordable travel insurance. With the money you save on your travel insurance, you can splurge on something fun during your vacation!

The Most Affordable Travel Insurance

soNomad has a unique, low-cost approach that will save you money. They are completely transparent when it comes to their fees. I’ve never seen any other travel insurance company that explains their fee structure. When you compare your travel insurance quote with soNomad to other travel insurance companies, you’ll save up to 25%!

Peace of Mind While Travelling

Travel insurance is essential for your own peace of mind. It’s most likely that you won’t need to use your insurance policy and there won’t be any mishaps while you are away. But, you never know when problems may arise.

I’ve broken my ankle in the past on a trip outside of the province. I also avoided a close call once – I was flying home from India just two days before their borders closed due to the global pandemic. There are many situations that can arise that are completely out of your control. Having travel insurance will put your mind at ease because you know you’ll be protected in case anything does happen.

Customization of Your Travel Insurance Policy

You can completely customize your travel insurance policy to your personal needs. Whether you need simple medical coverage or more comprehensive coverage, soNomad can cater to your travel insurance requirements. Every traveller is different!

24/7 Customer Assistance Service

Problems can arise at any time of the day and within all time zones. With soNomad, you can receive customer assistance 24 hours a day, 7 days a week by telephone. You will receive continuous support throughout your trip. This is one reason why they offer the best travel insurance in Ontario.

Before the trip, you can always call to ask about requirements for visas, passports and vaccinations. During the trip, the representatives at their assistance service can help direct you to hospitals and healthcare facilities. They’ll help you in case your luggage or personal items are stolen or lost. If you need any assistance at all, soNomad is there for you any time of day.

The Next Steps: Purchasing Travel Insurance with soNomad

We highly recommend purchasing travel insurance before you travel. If you aren’t sure of your travel end dates, you can always buy your insurance for a set amount of dates and extend your policy. Simply get in touch with soNomad to extend your policy before your scheduled expiration date. It’s as easy as sending soNomad an email to get things sorted with an agent.

There are a couple of ways that you can buy your travel insurance with soNomad . If your travel plans are pretty straightforward, I recommend buying your travel insurance online from their website. If you have a complicated situation or you’d rather talk to an agent, you can always phone soNomad and purchase your insurance over the phone.

How to Purchase Travel Insurance Online in Minutes

It’s easy to buy the best travel insurance in Ontario, anytime, anywhere. You can get a quote for travel insurance in minutes. From there, you can purchase the travel insurance for your trip with soNomad.

I am sure you’ll be delighted to find that soNomad is amongst the most affordable travel insurance. If you compare their quotes with quotes from other travel insurance companies, they are much more cost effective. Get your free online quote here.

Call the soNomad Team

If you’d like to talk to a human, give soNomad a call at 1-855-221-4555. Their team will assist you through the booking process and answer any questions that you might have.

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This article is brought to you by soNomad, a low cost travel insurance company that we highly recommend.

Lauren is the full-time travel blogger and content creator behind Justin Plus Lauren. She started Justin Plus Lauren in 2013 and has travelled to 50+ countries around the world. Lauren is an expert on vegan travel as one of the very first vegan travel bloggers. She also focuses on outdoor adventure travel, eco and sustainable travel, and creating amazing travel itineraries for cities and small towns.

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