Travel Insurance / Travelling Canadians
Travel Insurance for Canadians Leaving Home
Your provincial health plan pays very little once you leave Canada. Emergency travel medical insurance protects you from hospital bills that can reach tens of thousands of dollars, especially in the United States.
OHIP covers only a small part of emergency costs outside Canada, and sometimes nothing at all. Whether it is a weekend in the US, a family trip to India or a winter in Florida, the right travel plan pays for emergency care and gets you home safely.
Types of travel coverage
Single-trip medical
Emergency medical coverage for one trip, priced by the number of days you are away.
Multi-trip annual
One plan covers every trip during the year, up to a set number of days per trip.
Snowbird coverage
Long-stay plans for Canadians who spend the winter in the south.
All-inclusive packages
Medical coverage plus trip cancellation, interruption and baggage.
Trip cancellation and interruption
Get back non-refundable costs if you have to cancel or come home early for a covered reason.
Visiting family abroad
Plans for long visits to family overseas, with options for pre-existing conditions.
What emergency medical coverage includes
- Hospital stays and doctor’s fees
- Emergency surgery, tests and prescriptions
- Ambulance and air evacuation
- Emergency dental care after an accident
- Return home for treatment in Canada
- A family member’s travel to be at your bedside
- 24/7 emergency assistance in your language
Before you buy
Check your existing coverage
Workplace benefits and some credit cards include travel coverage, but limits are often low.
Answer health questions carefully
A wrong answer on a medical questionnaire can lead to a denied claim.
Check stability periods
Pre-existing conditions usually need to be stable for a set period before you leave.
Buy before you go
Coverage must start before you leave your province.
Frequently asked questions
Do I need travel insurance for a short trip to the US?
Yes. Even one night in a US hospital can cost thousands of dollars, and your provincial plan pays only a small part.
Is my credit card coverage enough?
It may be for short trips, but card plans often have age limits, short trip lengths and low limits. We can compare your card coverage with a full plan.
What if I have a pre-existing condition?
Many plans cover stable pre-existing conditions. Being honest on the application is the most important step to make sure your claim is paid.
Talk to Devendra Kumar, Financial Planner (CLU, CHS)
DK Insurance & Investments Inc. serves families across the GTA from offices in Vaughan, Mississauga and Brampton. Call or text +1-647-761-0517 for a free, no-obligation conversation.