FAQ Travel Insurance

Travel insurance offers protection against unexpected events that can happen before or during traveling. Traveling insurance will cover both minor and major accidents. Generally, basic insurance plans cover emergency medical costs, whereas, an all-inclusive policy normally covers flight delays, trip cancellation, baggage lost, and more. Keep in mind that most of the companies will not cover the risks listed on the Government of Canada’s travel advisory site.

There are several important reasons to buy travel insurance. Your Canadian health insurance plan and provincial health plan will not cover your medical bills outside Canada. A comprehensive travel insurance policy will provide safety against travel-related tragedies and unforeseen medical costs.

Usually, travelers are encouraged to get travel insurance to cover themselves from the following risks:Sickness, accidental injury or death of you, your family member or traveling partnerCancellation, interruption or delay in the trip because of bad weatherStolen, delayed or lost luggageStrikes or unpredicted events that can cause complete termination of travel activities.

Trip cancellation or trip protection is a benefit that provides reimbursement for travel expenses if your trip is canceled before departure and because of a covered risk.

One trip insurance plan is designed and offered to tourists who are preparing and planning to go on a trip and need an insurance policy that will cover cancellation and medical expenses for that particular trip only.Multi-trip insurance plans are available for travel enthusiasts who go on frequent journeys and need a policy that will cover their insurance claims for as many trips as they wish within a specific period.

It all depends on the seriousness and stability of your illness. Some illnesses are covered easily, while others need 3-6 months stability period.

If you are traveling, you can extend your coverage before its termination date. Call us at +1-855-500-5041, our representative will assist you in extending your coverage.

Depending on the covered risk, you need to complete the relevant claim form and send us with necessary supporting documents. Call us at +1-855-500-5041, we will send you relevant information and supporting documents to make a claim

The cost of visitor insurance depends on the visitor's age, length of stay, coverage amount, deductible and whether stable pre-existing conditions are covered. Short trips for younger visitors cost much less than one-year plans for seniors. A one-year, $100,000 plan costs about the same as Super Visa insurance (for example, about $1,300–$1,700 a year for ages 60–69). Get a free quote for an exact price.

Yes. You can buy visitor insurance after arriving in Canada. Most insurers apply a short waiting period for illness (often 48 hours to 8 days, depending on the insurer), but injuries from accidents are usually covered right away. It is best to buy before arrival so coverage starts the day you land.

The cost of visitor insurance depends on the visitor's age, length of stay, coverage amount, deductible and whether stable pre-existing conditions are covered. Short trips for younger visitors cost much less than one-year plans for seniors. A one-year, $100,000 plan costs about the same as Super Visa insurance (for example, about $1,300–$1,700 a year for ages 60–69). Get a free quote for an exact price.

Insurance is not required for a regular visitor visa, but it is strongly recommended because visitors are not covered by provincial health plans and must pay hospital bills in full. If your parents or grandparents apply for a Super Visa, they must have at least $100,000 of emergency medical insurance valid for at least one year from entry.

The best plan depends on the visitor's age, health and length of stay. Compare the coverage amount, deductible, pre-existing condition rules, waiting period and refund policy, not just the price. As a broker, Life Advice compares plans from several Canadian insurers to find the right fit for your family.