Canadian News and Stats

Best travel insurance in Canada, 2026

Half of Canada's provinces pay $100 a day or less toward a hospital stay outside the country. We read the policy wordings of eight travel medical plans, checked what every province pays abroad and went through what regulators found when they studied denied claims.

By Canadian News and Stats insurance desk Published Updated 38 sources

Our picks

No travel insurer is cheapest or best for every traveller. Your price depends on your age, your health, how long you're away and the deductible you choose, and every policy treats pre-existing conditions its own way. We picked plans for specific needs, using terms you can check in each policy wording and the insurer's AM Best rating. We could not rank insurers on how they pay claims: no regulator or ombudsman publishes travel insurance complaints by company.

  1. Under 60, short trips

    TuGo

    TuGo's Traveller policy has the shortest stability period we found. If you're 59 or under and away 35 days or less, a pre-existing condition only has to be stable for the 7 days before you leave.1 Emergency medical coverage goes to $10 million, and the plan sets no age limit.2 The insurer, Industrial Alliance, is rated A+ by AM Best.3 Older travellers wait longer: 180 days from 60 to 74, and 365 days from 75.1

    7 daysStability period, age 59 and under, trips of 35 days or less
  2. Simplest to buy, top-rated insurer

    Manulife CoverMe

    CoverMe asks no medical questions under 60 and covers up to $10 million.4 The Manufacturers Life Insurance Company underwrites it and holds an A+ rating from AM Best.5,3 A condition has to be stable for 3 months before you leave, or 6 months if the questionnaire for travellers 60 and over puts you in rate category B or C.5 Call the assistance centre before you get treatment. If you don't, you pay 25% of the covered bills.4

    A+AM Best rating, Aug. 31, 2026
  3. No dollar cap on emergency care

    RBC Insurance

    RBC's travel medical plans pay unlimited eligible emergency medical costs.6,7 Under 65, the Classic plan asks no health questions and uses a 90-day stability period. At 65 and over, the TravelCare plan's questionnaire places you in Gold, Silver or Bronze, with stability periods of 90, 180 or 365 days.6,7 The underwriter, RBC Insurance Company of Canada, is not on AM Best's list of rated Canadian insurers.3

    UnlimitedEmergency medical maximum
  4. Travellers 60 to 69

    CAA Travel Insurance

    CAA's policy has no maximum age, and travellers up to 69 get the same 3-month stability period as younger ones. At 70 it becomes 6 months.8 Applicants 60 and over complete a medical questionnaire. The limit is $5 million, half of what Manulife, TuGo and TD offer.8 The underwriter, Echelon Insurance, is rated A- by AM Best.3

    3 monthsStability period to age 69
  5. Snowbirds and travellers 70 and over

    Medipac

    Medipac uses a 90-day stability period at every age and has no age limits.9 It is the exclusive travel insurance partner of the Canadian Snowbird Association, and its underwriter, Old Republic Insurance Company of Canada, is rated A by AM Best.9,3 The base plan pays up to US$2 million; the MedipacGOLD option raises that to US$10 million.9 Medipac also prints its full price table in its guide, so you can check a premium before you call.

    90 daysStability period at any age

What your provincial health plan pays outside Canada

Every province pays something toward emergency care outside Canada, and the amounts are small. You pay the hospital first and claim later. Health Canada's latest Canada Health Act report says the daily rates every province except Prince Edward Island pays for hospital care abroad appear lower than its rates at home, which is contrary to the act's portability requirement.10

ProvinceHospital stay, per dayOutpatient or ER visitTime you can be away
British Columbia$7511Not listed separatelyCall Health Insurance BC if away 6 months or more in a calendar year12
Alberta$10013not counting the day you leave$50, one visit a day13Up to 212 days in 12 months, for vacation10
Saskatchewan$10014$50 a visit, two a day at most14Must be in Saskatchewan 5 months of every 1210
ManitobaAn average daily rate set by the province; amount not posted15Not listed separatelyUp to 7 months in 1210
Ontario$20016$400 in intensive care, coronary care, an operating room or a neonatal unit$50 a day16212 days in any 12 months10
Quebec$10017$50 a day17Less than 183 days per calendar year18
New Brunswick$10010$50 a visit10Over 212 days for vacation needs approval10
Nova Scotia$52519plus half of ancillary feesNot covered10Up to 7 months per calendar year10
Prince Edward IslandPaid at P.E.I. rates10Paid at P.E.I. rates10Must live in P.E.I. 6 months and a day each year10
Newfoundland and Labrador$35010$465 at a tertiary hospital$62 a visit10Not set out in our sources

Canadian dollars. Doctors' bills are paid separately, at no more than the home province's fee rates. Time-away rules are for vacation travel; work and study absences have their own rules. Sources: provincial health ministries and Health Canada's Canada Health Act Annual Report 2024-2025, as cited.

The most a province pays for one day in a hospital abroad

Standard in-patient rate, Canadian dollars. Ontario pays up to $400 in intensive care; Newfoundland and Labrador $465 at a tertiary hospital. Manitoba and P.E.I. don't post a fixed amount.

  • Nova Scotiaplus half of ancillary fees$525
  • Newfoundland and Labradorcommunity hospital$350
  • Ontariostandard care$200
  • Alberta$100
  • Saskatchewan$100
  • Quebec$100
  • New Brunswick$100
  • British Columbia$75
$0$600

For comparison, British Columbia's health ministry says the average U.S. hospital day "often exceeds $1,000 (US)" and can reach US$10,000 in intensive care.12

Why you need your own travel medical policy

Global Affairs Canada tells travellers that a provincial plan "may cover none, or only a small part" of medical care abroad, including a medical evacuation, and "will never pay your bills up front." It adds that the federal government "will not pay your medical bills."20 Its advice is to buy travel health insurance before you leave, even for a day in the United States.20

The gaps go beyond the daily rate. Ontario covers only conditions that are acute, unexpected and "not pre-existing," and it does not pay to move you to an Ontario hospital for ongoing care.16 B.C.'s PharmaCare won't cover prescriptions bought outside the province, and B.C. doesn't subsidize ambulances outside B.C.11 Nova Scotia doesn't pay for ground or air ambulance abroad.19

Travel advisories can cancel your coverage

Global Affairs warns that many policies won't cover you where Canada has issued an "avoid all non-essential travel" or "avoid all travel" advisory.20 Check the advisory for your destination before you book and again before you leave.

Eight travel medical policies compared

We read the current policy wording for eight emergency medical plans sold to Canadians. The table shows the terms that most often decide whether a claim gets paid: the coverage limit, the stability period for pre-existing conditions, when you have to answer medical questions, and what happens if your provincial coverage lapses. It leaves out prices because insurers quote each traveller individually, and only Medipac's documents include a full price table.

Plan and insurerMedical maximumStability periodMedical questions, age limitIf provincial coverage lapsesAM Best rating
Manulife CoverMeManufacturers Life$10M43 months (rate A, or 59 and under); 6 months (rates B and C)5None under 60; at 60+ a questionnaire decides eligibility. No maximum age stated4,5Capped at $25,0005A+3
TuGo TravellerIndustrial Alliance$10M27 days (59 and under, trips up to 35 days); 90 days (59 and under, longer trips); 180 days (60 to 74); 365 days (75+)1At 60+, sets your rate; a wrong answer adds a US$15,000 deductible. No age limit2,1Capped at $50,0001A+3
Blue Cross, Ontario and QuebecCanassurance$5M per trip213 months (54 and under); 6 months (55+), or 3 with an option. At 60+, some heart, kidney, cancer and digestive conditions excluded unless your certificate says otherwise21Wrong answers make the policy voidable. Annual plans to age 85 (80 for 150 and 180 days)21No benefits21Withdrawn at the company's request, 202022
RBC Classic (0 to 64), TravelCare (65+)RBC Insurance Company of CanadaUnlimited6,790 days under 65; 90, 180 or 365 days at 65+, by category7None under 65; questionnaire at 65+. Trips up to 183 days at 65+6,7Capped at $20,0007Not rated3
TD Travel MedicalTD Life; TD customers only$10M per trip2390 or 180 days, by rate category23At 65+, and at 60 to 64 for trips of 30+ days. 60-day annual plan to age 8423No benefit23Not rated3
Allianz Global AssistanceCUMIS General (Co-operators group)$10M2490 days (64 and under); 150 days (65+)24None in the policy; at 65+ you must not need help with daily living. No maximum age stated24Not eligible; must be covered the whole trip24No separate rating; Co-operators General is A25
MedipacOld Republic Insurance Company of CanadaUS$2M; US$10M with GOLD990 days at any age9Over 55, to set your rate category. No age limit9No hospital or medical benefits9A3
CAA Travel InsuranceEchelon Insurance$5M83 months (under 70); 6 months (70+)8Questionnaire at 60+. No maximum age8Capped at $25,0008A-3

Single-trip emergency medical plans, except TD (annual plan certificate) and Blue Cross (policy covering single-trip and annual plans). Dollar amounts in Canadian dollars unless marked US$. "Not rated" means the underwriter is not on AM Best's list of Canadian ratings effective Aug. 31, 2026; RBC Life Insurance Company, a different RBC company, is rated A.3 Blue Cross plans are run separately in each region: Pacific Blue Cross in B.C. covers up to $10 million and sells to any age,26 and Alberta Blue Cross uses a 3- or 6-month stability period on standalone plans.27

Why travel insurance claims get denied

Most denied travel claims trace back to two clauses: the stability clause and the medical questionnaire. Canada's insurance regulators studied both. In a 2016 review of the 2014 market, the Canadian Council of Insurance Regulators found that claims were made on about 2% of policies and about 7% of those claims were denied. Exclusions, including pre-existing conditions, were the second most common reason.28 The regulators also found "that the majority of complaints were related to claims denials."28

The stability clause

A stable condition is one that hasn't changed during a set period before you leave. The Travel Health Insurance Association, the industry group for travel insurers, says policies generally won't cover a condition that in that period has gotten worse, been treated, needed a change in medication type or dosage, or "been recommended for consultations or tests."29 In the eight policies we checked, the period runs from 7 days to 365 days, and it usually gets longer as you get older.1,7

Global Affairs Canada advises getting written confirmation that a policy covers your pre-existing condition, "otherwise you could find your claim 'null and void.'" It also suggests looking for a compassion clause, which says an inaccurate statement "may not invalidate the entire policy."20

The medical questionnaire

The regulators found that 95% of travel medical applications sold in 2014 were accepted automatically, with no underwriting beyond the application's questions. Consumers and industry observers told them the questionnaires are "too complicated even for medical experts to fully understand." A mistake, related to a later claim or not, "can lead to claim rejection and policy voidance, even when consumers answer medical questions in good faith."28 In 2017 the regulators asked insurers to standardize definitions and improve the application, screening and claims process.30

The industry association's own guide says a claim can be denied "even if the question that is answered incorrectly is not related to the cause of the claim."29 Current wordings spell out the cost. TuGo adds a US$15,000 deductible to every claim if a questionnaire answer was wrong.1 Blue Cross says your policy "will be voidable."21 Manulife won't pay for any medical condition if you didn't answer every question truthfully and accurately.5

Not calling first

Most policies want you to call their assistance line before treatment. If you don't, Manulife makes you pay 25% of covered bills,4 and Allianz pays 80% of eligible medical expenses.24

What the ombudsman sees

The OmbudService for Life and Health Insurance reviewed 338 complaints in the year to March 31, 2025, and 55 were about travel insurance, about 16% by our calculation. Travel made up 129 of the 1,470 complaint inquiries it received.31 In one case it published, a couple who drove home after an emergency got 70% of their costs back; after the ombudsman stepped in, the insurer paid another 15% of the total.31

Credit card travel insurance vs. a standalone policy

Many premium credit cards include emergency medical coverage, and Global Affairs lists credit card companies among the places to buy it, with a reminder to "verify the coverage."32 The catch is the day limit. On the five cards we checked, coverage lasts 15 to 25 days if you're under 65. Four of them cover 3 or 4 days at 65 and over, and the fifth covers no one 65 or older.

CardDays covered, under 65Days covered, 65+MaximumInsurer
Scotiabank Passport Visa Infinite2533333$2M33Manulife33
TD First Class Travel Visa Infinite2134434$2M34TD Life34
RBC Avion Visa Infinite1535335Unlimited35RBC Insurance Company of Canada35
CIBC Aventura Visa Infinite1536336$5M36Belair Insurance36
American Express Platinum1537Not covered37$5M37Belair Insurance37

Cardholder coverage per trip, from each issuer's certificate or product summary retrieved Oct. 6, 2026. "Under 65" means 64 or younger on the departure date.

Card coverage has the same fine print as a standalone policy. The CIBC Aventura card, for example, excludes conditions that weren't stable in the 90 days before you leave, or 180 days at 65 and over.36 The Amex Platinum coverage ends once you've been away more than 15 consecutive days.37

For a longer trip, buy a top-up for the extra days. TD lets First Class Travel cardholders apply for one by phone.34 If you top up with a different company, check first: TuGo warns that the original insurer "may void or restrict coverage if you don't extend or top-up with them."2

Snowbirds and seniors: the two rules that matter most

Stay inside your province's absence limit. Ontario lets you be outside Canada 212 days in any 12 months; Alberta allows up to 212 days for vacation; Manitoba and Nova Scotia allow 7 months.10 Quebec residents must be away less than 183 days per calendar year.18 The table above lists each province's rule.

If your provincial coverage lapses, most private coverage collapses with it. Manulife and CAA then cap emergency medical benefits at $25,000, TuGo at $50,000 and RBC at $20,000.5,8,1 TD, Blue Cross and Medipac pay nothing.23,21,9

What a winter away costs

Age changes the price sharply. Medipac is the only provider we checked whose public documents include a full rate table. For a stay of 176 to 183 days in its healthiest rate category, with a US$99 deductible, the premium rises from $2,036 at 66 to 70 to $6,381 at 80 to 85, about 3.1 times as much by our calculation.9 Applicants over 55 answer medical questions that place them in one of three categories, and the other two cost more.9

Medipac premium for a 176-to-183-day trip, by age

Preferred PLUS rate category, US$99 deductible, 2026-2027 rate table. Medipac's guide states deductibles in U.S. dollars and does not label the currency of premiums.

  • 55 and under$1,051
  • 56 to 60$1,351
  • 61 to 65$1,656
  • 66 to 70$2,036
  • 71 to 75$3,145
  • 76 to 79$3,928
  • 80 to 85$6,381
  • 86 and over$11,369
$0$12,000

Source: Medipac 2026-2027 Travel Insurance Guide, Preferred PLUS rates.9 Other insurers price differently, so use this to see how age moves the price, not to estimate another company's quote.

How to pay less without buying the wrong policy

  • Compare stability periods before prices. A cheap policy that excludes your heart condition costs more than a dearer one that covers it. Match the period to how long your condition has been unchanged.
  • Take a higher deductible if you can afford it. CoverMe takes 10% off with a $500 deductible and 30% off with $5,000.4 TuGo offers deductibles up to $100,000 for a discount.2
  • Watch your birthday. Medipac notes that if a birthday moves you into the next age band, your premium can rise, so leaving before it can save money.9
  • Answer the questionnaire with your records in front of you. The industry association suggests asking your doctor about medications, tests and referrals, and keeping a copy of your answers.29
  • Use your card for the first days, then top up. If your card covers 15 or 21 days, a top-up for the rest of the trip can cost less than a full policy. Confirm the card's insurer allows it.2

Before you trust a "best travel insurance" ranking

Nobody publishes claim records by travel insurer. The OmbudService for Life and Health Insurance breaks its complaints down by product and province, not by company.31 When regulators surveyed the market, they found the data they asked for "is not systematically collected and/or monitored by the industry."28 A ranking that claims to know which insurer pays claims best is guessing, or relying on reviews it can't check.

Treat coverage limits with care too. A $10 million or unlimited maximum doesn't help if the stability clause excludes the condition that sends you to hospital. This page has no affiliate links, and no insurer paid to be included.

If your claim is denied

Ask the insurer for a final position letter. Then you can take the complaint to the OmbudService for Life and Health Insurance, which is free; it accepts complaints once you have that letter.31 Call 1-888-295-8112.38 OLHI publishes the names of insurers that don't accept its recommendations.31

Common questions

What is the best travel insurance in Canada?

No policy is best for everyone. For travellers 59 and under on trips of 35 days or less, TuGo's 7-day stability period was the shortest we found.1 CAA keeps a 3-month stability period to age 69, and Medipac uses 90 days at any age with no age limit.8,9

What is the cheapest travel insurance in Canada?

No company is cheapest for everyone, because insurers price each traveller on age, trip length, health and deductible. A higher deductible cuts the price: CoverMe takes 30% off with a $5,000 deductible.4 Compare quotes with the same deductible and the same stability terms.

How much is travel insurance in Canada?

It depends most on age and trip length. In Medipac's published 2026-2027 rates with a US$99 deductible, a 7-to-9-day trip costs $82 at 55 and under, and in its healthiest rate category $134 at 66 to 70 and $311 at 80 to 85.9 The other insurers we checked don't publish rate tables.

What is the best travel insurance for seniors in Canada?

Start with the stability period for your age. CAA requires 3 months of stability up to age 69 and Medipac 90 days at any age, while TuGo requires 180 days from 60 to 74 and 365 days from 75.8,9,1 CAA, TuGo and Medipac set no maximum age.8,2,9

What is the cheapest travel insurance for seniors in Canada?

Prices rise steeply with age, and no insurer is cheapest for every senior. In Medipac's table, a 176-to-183-day trip costs $2,036 at 66 to 70 and $6,381 at 80 to 85 in the same health category.9 A higher deductible, an annual plan if you travel often and leaving before a birthday that changes your age band can lower the price.

Does OHIP cover me outside Canada?

Only in part. OHIP pays up to $200 a day for an emergency hospital stay ($400 in intensive care or an operating room), up to $50 a day for emergency outpatient care, and doctors at Ontario rates. It does not pay to transfer you to an Ontario hospital.16

Is credit card travel insurance enough?

For a short trip it can be. The five premium cards we checked cover 15 to 25 days if you're under 65.33,34,35 Four cover 3 or 4 days at 65 and over, and the Amex Platinum covers no one 65 or older.36,37 Check the certificate for the day limit and the pre-existing condition rules before you rely on it.

What can I do if my travel insurance claim is denied?

Ask the insurer for a final position letter, then take it to the OmbudService for Life and Health Insurance, which is free. OLHI reviewed 55 travel insurance complaints in the year to March 31, 2025.31

How we did this

We started with what each province pays. We took daily rates and absence rules from provincial health ministries and from Health Canada's Canada Health Act Annual Report 2024-2025, which reports every province's out-of-country rates in one place.10 For the case for private coverage we used Global Affairs Canada's travel insurance guidance.20

For the policies, we downloaded the current policy wording or certificate for eight travel medical plans from the insurers' own websites and read the eligibility, stability, questionnaire and benefit sections. We chose providers Canadians see most when they shop: two bank insurers, a life insurer's direct brand, a travel insurance specialist, a Blue Cross plan, a global assistance company, a snowbird specialist and an auto club. Ratings come from AM Best's list of Canadian credit ratings effective Aug. 31, 2026.3 For claim denials we used the regulators' 2016 issues paper and 2017 position paper, the Travel Health Insurance Association's consumer guide and the ombudsman's latest annual report.28,30,29,31 For credit cards, we read the insurance certificates or product summaries for five premium travel cards.

Picks rest on policy terms and ratings you can check. They do not reflect price, which varies by traveller, or claims service, which no public data measures by company. We also searched r/PersonalFinanceCanada for first-hand travel insurance claim stories, but we could not finish reading those threads in time for this version, so the page does not quote travellers yet. We plan to add their reports in an update. No insurer paid for a placement on this page, and it has no affiliate links. We will update it when insurers change their policy wordings or a province changes what it pays, and each change will go in the log below.

Sources

Show all 38 sourcesHide sources
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  2. TuGo / Industrial Alliance. "Product summary: Traveller emergency medical insurance." 2025. files.ia.ca/-/media/files/ia/solutions-pour-marches-speciaux/pdf/en/tugo/tugo-product-summary-english.pdf
  3. AM Best. "AM Best's Credit Ratings, September 2026 (ratings effective Aug. 31, 2026)." September 2026. www.ambest.com/multimedia/GCR_Sept2026.pdf
  4. Manulife CoverMe. "Single-Trip Emergency Medical Plan." Retrieved Oct. 6, 2026. www.coverme.com/travel-insurance/travelling-canadians/single-trip-emergency-medical.html
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  6. RBC Insurance. "Travel medical insurance." Retrieved Oct. 6, 2026. www.rbcinsurance.com/en-ca/travel-insurance/travel-medical-insurance
  7. RBC Insurance Company of Canada. "TravelCare Medical (Single Trip) policy, 123642, and Classic Medical (Single Trip) policy, 123640." June 2023. www.rbcinsurance.com/en-ca/wp-content/uploads/sites/2/2021/06/travelcare-medical-single-trip-e.pdf
  8. CAA Travel Insurance (Orion Travel Insurance, underwritten by Echelon Insurance). "CAA Travel Insurance policy, CAA North & East Ontario edition." July 1, 2025. caaneo.ca/insurance/travel-insurance/policy-guide-2025
  9. Medipac International. "2026-2027 Medipac Travel Insurance Guide (policy and rate tables)." 2026. www.medipac.com/UserFiles/files/MedipacGuide.pdf
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  14. Government of Saskatchewan. "Health coverage outside of Saskatchewan and Canada." Retrieved Oct. 6, 2026. www.saskatchewan.ca/residents/health/prescription-drug-plans-and-health-coverage/health-benefits-coverage/health-coverage-outside-of-saskatchewan-and-canada
  15. Government of Manitoba. "Out of province coverage." Retrieved Oct. 6, 2026. www.gov.mb.ca/health/mhsip/out-of-province-coverage.html
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  34. TD Life Insurance Company. "TD First Class Travel Visa Infinite card: travel insurance product summary." Retrieved Oct. 6, 2026. www.td.com/content/dam/tdct/document/pdf/personal-banking/credit-cards/welcome-guide/firstclasstravel-ps-en.pdf
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  37. Belair Insurance Company Inc.. "The Platinum Card (American Express): Out of Province/Country Emergency Medical Insurance certificate." Effective July 1, 2025. www.americanexpress.com/content/dam/amex/en-ca/insurance/pdfs/certificates-of-insurance/The-Platinum-Card-COI-EN.pdf
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Update log

  • First published. Policy wordings and provincial rates retrieved Oct. 6, 2026.