Travel Insurance
Travel Insurance helps you recover eligible expenses if unexpected events disrupt your journey. Trip Cancellation and Trip Interruption can cover more than just flights—they help safeguard your whole travel investment.
Travel Insurance helps you recover eligible expenses if unexpected events disrupt your journey. Trip Cancellation and Trip Interruption can cover more than just flights—they help safeguard your whole travel investment.
Why Choosing us:we are a reputable, experienced insurance provider, we provide flexible and affordable Travel Insurance Plan from multiple insurance companies like Manulife Insurance, GMS, TIC Insurance, SRMRM insurance, Travelance Insurance, TUGO, 21st Century, we provide services in Kitchener, Waterloo, Cambridge, Guelph, Stratford ,Hamilton, Brantford, Woodstock, London, Milton, Mississauga, Brampton, Toronto. Super Visa Insurance : Super Visa is a new option for parents and grandparents of Canadian citizens and permanent residents to visit their family in Canada. These individuals may be eligible to apply for the Parent and Grandparent Super Visa to visit their family in Canada for up to 2 years without the need to renew their status. Super Visa Insurance provides coverage for emergency medical and hospital care in Canada. This insurance is valid for 365 days.
Super visa Requirements : To obtain a Parent or Grandparent Super Visa for Canada, applicants must have valid Super Visa Insurance. With Super Visa applications They need to provide a proof that they have private medical insurance from a Canadian insurance company valid for a minimum of 1 year from a Canadian insurance company and that it: Here’s the things you need to know before you buy Super Visa Insurance Pre-existing Condition: A Pre-existing condition depends on your health condition means the critical illness, injury, symptom(s) that exists before and after effective date of insurance. Sometimes a healthy applicant can be deemed to have a pre-existing condition based on a past health problem or evidence of treatment for a particular condition. Deductible: Most plans have a variety of deductibles. The deductible is the amount of each claim that you will pay. A $0 deductible means the insurance company pays 100% of each eligible claim. A $1000 deductible means you will pay up to $1000 of each eligible claim and the insurance company will only pay amounts in excess of the $1000. Multiple Entry: Multiple entry coverage provides intermittent coverage that allows you to travel back and forth between Canada and your home country. Your coverage will be interrupted when you return to your home country, and then be automatically reinstated when you return to Canada. Plans that do not offer Multiple Entry have coverage that stops as soon as you return to your home country. Side Trip: Side trip coverage provides travel health insurance for any trips you take outside Canada during your stay, i.e. if you take vacations to the U.S. If you expect to spend some time outside of Canada during the term of your super visa, you should choose a plan that has side trip coverage. Refundable: The government requires that you purchase coverage for a full year. If you’re planning on staying less than a year a refundable plan will allow you to receive a refund of the unused portion of the annual/yearly premiums. These refunds come with conditions, so again it’s important that you read the policy.
If you're going overseas, travel insurance is as important as a passport. Without it, you or your family could suffer financially if things go wrong. travel insurance should be going with you. Even if you're travelling out of province but within Canada it's worth it because your provincial health insurance plan coverage may be limited. Things like ambulance services and prescription drugs may not be covered and you could end up paying out of pocket for some of the services you need.
The Government of Canada will not pay your medical bills Foreign hospitals can be very expensive and may require immediate cash payment Your Canadian health insurance may not pay your medical bills while you're outside Canada In some countries hospitals and clinics will not treat you if you do not have enough insurance or money to pay your bills Your provincial or territorial health plan may cover none, or only a small part, of the costs of your medical care abroad. It will never pay your bills up front
As you already know, Canadian Residents are insured under their Provincial Healthcare Plans. However, it only covers a small portion of medical expenses incurred outside Canada.
Your government insurance coverage will also be severely limited while travelling to another province or territory within Canada, and even the slightest injury or illness can deal a significant blow to your budget.
If you are planning on going out of your province or abroad, travel health insurance for Canadians will provide you with a simple and affordable way to protect yourself from the costs of medical emergencies that may happen during the trip.
Travel insurance covers a number of travel-related risks, from flight cancellations to lost bags to medical emergencies. The dollar amount of your coverage depends on the policy you bought and where and when you bought it. Most travel insurance providers offer several different policies to choose from, with higher or lower levels of coverage.
In order to be eligible for Travel Insurance, you MUST:
Provincial health plans like OHIP pay only a small part of emergency medical costs outside Canada, and a hospital stay in the United States can cost tens of thousands of dollars. Travel insurance covers those costs so a medical emergency doesn't become a financial one.
A single trip plan covers one trip from departure to return. If you travel several times a year, a multi-trip (annual) plan covers every trip up to a set number of days each and often costs less overall.
If you spend the winter outside Canada, check your province's rules on time away and buy a plan that covers your full stay. Answer medical questions carefully, since this is where most denied claims start.
Life Advice Insurance Inc compares travel plans from several Canadian insurers. Get a free travel insurance quote or call +1 855-500-5041. Family visiting you? See visitor insurance and Super Visa insurance.
Carefully research your needs. Verify the terms, conditions, limitations, exclusions and requirements of your insurance policy before you leave Canada. When assessing a travel health insurance plan, you should ask a lot of questions.
Single trip travel insurance covers one trip, from your departure date until you return. It is a good fit if you travel once or twice a year, for example a family trip to India or a winter vacation. If you take several trips a year, an annual multi-trip plan may cost less. Compare single trip and annual plans online at lifeadvice.ca.
An annual (multi-trip) plan covers any number of trips outside your home province during the year, as long as each trip is no longer than the trip length you choose, such as 8, 15, 30 or 60 days. It is often cheaper than buying several single-trip plans.
If you take 3 or more trips a year, an annual multi-trip plan is usually cheaper and simpler than buying single-trip plans. It covers every trip in the year up to a maximum length per trip (for example 8, 15, 30 or 60 days). If a trip runs longer, you can usually buy a top-up for the extra days.
Usually not. If a trip will be longer than your annual plan allows, most insurers require you to buy the top-up from the same insurer that issued your annual plan, before you leave or before the original coverage ends.
Snowbird insurance is long-stay travel medical coverage for Canadians who spend the winter in the U.S. or abroad. OHIP pays only limited amounts for emergency care outside Canada, while U.S. hospital bills can reach tens of thousands of dollars, so private coverage is essential for the full length of the trip.
Visitor insurance is emergency medical coverage for people visiting Canada, such as parents, relatives, tourists and new arrivals. Visitors are not covered by provincial plans like OHIP, so a hospital stay or emergency visit is billed directly to the visitor. A visitor plan pays for covered emergency care such as hospital stays, doctor visits, ambulance, diagnostic tests and prescriptions, up to the policy limit.
For a regular visitor visa (TRV) or eTA, private health insurance is not legally required, but it is strongly recommended because visitors pay the full cost of any care in Canada. For the Super Visa, insurance is mandatory.
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 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.
Common coverage amounts are $50,000, $100,000, $150,000 and higher. For older visitors or longer stays, $100,000 or more is a safer choice, because one hospital stay with tests or surgery can cost tens of thousands of dollars in Canada.
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.
Many plans cover stable pre-existing conditions. "Stable" usually means no new symptoms, treatment or medication changes for a set period before the policy starts, often 90 or 180 days. Plans with pre-existing coverage cost more. Rules differ by insurer and age, so read the stability clause carefully or ask us to compare.
A deductible is the amount you pay before the insurer pays. Choosing a higher deductible, such as $500 or $1,000, lowers the premium. A $0 deductible costs more but means you pay nothing for covered claims within the limits.
Yes. Many insurers offer family visitor plans that cover two adults and their dependent children on one policy, which is often cheaper than separate plans. Age limits apply to family plans, so older relatives such as grandparents are usually covered on their own policy.
Some visitor plans cover short side trips outside Canada (often excluding the visitor's home country), as long as most of the trip is in Canada. Coverage and limits vary, so tell us about planned trips and we will find a plan that includes them.
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.
Yes. Most insurers allow it, but a waiting period usually applies when coverage is bought after arrival, often 48 hours or a few days for sickness. Illness that starts during the waiting period is usually not covered. Accidental injuries are often covered right away. Buying before arrival avoids this.
Many plans refund unused days if the visitor returns home early and no claim has been made, usually minus a small admin fee. Rules differ by insurer, so check the refund terms before you buy.
Student travel insurance is emergency medical coverage for students studying away from home. In Ontario it is used by two groups: international students studying in Kitchener-Waterloo or elsewhere in Ontario who need health coverage, and Canadian students studying out of province or outside Canada, where OHIP pays little or nothing. Life Advice Insurance Inc. compares plans for both. Get a quote online or call 1-855-500-5041.
Yes. International students are not covered by OHIP. Most Ontario universities enrol students in UHIP (about $948 per student for 2026-27), while many colleges use their own private plan. Students not covered by a school plan, students arriving before their plan starts, and family members joining them often need private coverage. Check your school's plan first, then compare options with us.
Usually, yes. OHIP covers only part of medical costs in other provinces and very little outside Canada. A student travel medical plan can cover emergency hospital and doctor bills for the full study period. Check whether your school plan or a parent's plan already covers you, then compare plans for any gap.
Most travel plans include a 10-day right to examine. If you cancel within that time and before your departure date, you usually get a full refund. Read your policy and any medical questionnaire carefully before you leave.
Refunds are usually available up to your departure date. After you leave, some plans refund unused days if you return early and no claim has been made, often minus a small admin fee. Refund rules differ by insurer and plan.
Claims are handled directly by your insurance company. Contact the insurer’s claims department or emergency assistance line listed on your policy, complete their claim form, and send it with your original receipts and supporting documents.
