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Travel insurance for Canada

Compare travel insurance quotes for Canada with theidol.com[1]

Covid-19 (coronavirus) – important information

From 17th May 2021, a travel traffic light system is being introduced and trips to green list countries will be legally permitted if you live in England. Strict border control measures will remain in place for your return to the UK.



Before you buy, you should consider the implications of your destination moving from a green list country to amber or red as you may incur additional costs and/or face travel restrictions that will not be covered by your travel insurance.



The traffic light rules only dictate what you have to do on returning to England – so even if a country is on the green list, you still need to check your destination's entry requirements and the Foreign, Commonwealth & Development Office (FCDO) advice for travelling there. If the Foreign Office has advised against travel to your destination and you still decide to travel, you will not be covered by any travel insurance policy you purchase.



A few insurers do offer cover If you are an essential traveller, however if you are in doubt or have any queries, please check the policy wording, or contact your chosen provider before purchasing.



Until dates have been set to permit non-essential international travel from Scotland, Wales and Northern Ireland it is important that you follow all the rules that apply to your country of residence.

What travel insurance do I need for Canada?

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 Canda, USA and the Carribean. 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.

Sports and adventure travel

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.[2]

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.

Medical care

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.

Travel advice and visas in Canada

  1. Weather disruption

    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

  2. Driving

    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

  3. Visas

    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

  4. Working holidays

    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

[1]Gocompare.com introduces customers to theidol.com which is authorised and regulated by the Financial Conduct Authority. Gocompare.com's relationship with theidol.com is limited to that of a business partnership, no common ownership or control rights exist between us. Please note, we cannot be held responsible for the content of external websites and by using the links stated to access these separate websites you will be subject to the terms of use applying to those sites

[2]Last checked 12 April 2021

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