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To visit Canada, you need worldwide travel insurance to cover you for loss, damage and theft of your belongings, cancellation or curtailment of your trip, and public liability if you should cause accidental damage or injury.
You'll need to choose worldwide travel insurance including Canada, USA and the Caribbean. It'll be more expensive than European cover, and a worldwide policy excluding those locations, because of the high cost of medical care.
If you plan to take more than one trip abroad over the next year, annual multi-trip insurance can be cheaper than single-trip policies. It's worth comparing travel insurance and seeing what the difference is.
If your next trip is in Europe though, it'll probably be cheaper to take out single trip policies - you're just overinsuring yourself otherwise.
Get your travel insurance as soon as you’ve booked your trip, in case you, or your hotel/travel provider cancel the trip.
Canada is a winter and adventure sports destination, but certain activities won’t be covered as standard under your travel insurance.
We checked Defaqto and found that of 1,008 annual travel insurance policies, 97% covered cycling, 77% covered horse riding and 47% covered sea kayaking.
More extreme sports, like bungee jumping, are less likely to be covered.
If you’re skiing or snowboarding, only 13% of annual policies covered a winter sports trip as standard.
You can take out extra cover for winter sports. That way you're covered in case you have an accident, along with extra cover for your ski equipment and pass. We'll ask you if you need it when you're getting quotes with us.
The UK has no healthcare agreement with Canada, so visitors won’t get free treatment. Emergency treatment can be expensive, so make sure your insurance provides a good level of medical cover and includes repatriation to the UK incase you need it for more treatment.
You’ll have to pay for urgent medical treatment when you arrive at a hospital or clinic, so make sure you've got some money to hand in case you need it. Contact your insurer as soon as possible after that to help with the bill.
If you have dual citizenship, you might not have to pay for medical care, but make sure you have travel insurance so you’re covered for other unexpected events.
Canada’s weather system may disrupt your travel plans. You may have to book new flights, arrange alternative accommodation, and cover daily expenses until you’re able to get home.
Some travel insurance policies will cover delays but cover for enforced stays abroad and catastrophes are more common. Most insurance policies will cover cancellation due to weather conditions.
Read your policy carefully to see what protection you have
If you’re renting a car, make sure you have the relevant motor insurance policy in place. Read the Foreign, Commonwealth and Development Office (FCDO) guidance to make sure you’ve got the right licence, permit and insurance
You don’t need a visa if you’ve planned a short trip, however you do need an Electronic Travel Authorisation (eTA). You’ll need your eTA to board the plane, unless you have dual citizenship or a visa
If you’re between 18 and 30, you can apply for an International Experience Canada (IEC) Working Holiday Visa, which allows you to work for 12 to 24 months.
It’s a requirement of the visa that you have long-stay travel insurance to cover you for the whole of your stay
Last checked 12 April 2021