Travel Insurance for Canadians Travelling Abroad
Provincial health plans cover almost nothing outside Canada — OHIP pays $0 for out-of-country emergencies. Travel medical insurance protects any trip with up to $5,000,000 in emergency coverage, from $96.00 for a 30-day trip. Real premiums below, and instant quotes for your exact dates.
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Emergency medical up to $5,000,000 — with a 16% saving on trips that skip the USA. No medical questionnaire under age 60, or 60–74 for trips up to 60 days.
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30-day trip premiums by age
| Age | Worldwide incl. USA | Non-USA (16% less) |
|---|---|---|
| Under 30 | $101.00 | $84.84 |
| 30–54 | $96.00 | $80.64 |
| 55–59 | $157.00 | $131.88 |
| 60–64 | $165.00 | $138.60 |
| 65–69 | $218.00 | $183.12 |
| 70–74 | $300.00 | $252.00 |
Official insurer rates for $5,000,000 emergency medical, 30-day single trip; other trip lengths scale with the number of days. Ages 75–83 insurable with a medical questionnaire (no instant online rate above 74).
What's covered
- Emergency hospital & medical expenses up to $5,000,000
- Physician fees, diagnostics, and emergency prescriptions
- Medical evacuation and repatriation to Canada
- Emergency dental and paramedical services
- Stable pre-existing conditions (per the policy's stability period)
- All-inclusive packages (trip cancellation/interruption, baggage) and annual multi-trip plans available through the advisor
Spending the winter down south? See the dedicated snowbird travel insurance guide for long-stay pricing, provincial absence rules, and the pre-departure checklist.
Frequently asked questions
Do Canadians need travel insurance for the USA?
Yes — provincial plans pay almost nothing outside Canada (OHIP pays $0 for out-of-country emergency care), while US emergency care routinely costs thousands of dollars per day. Travel medical insurance with $5,000,000 coverage costs from about $96–$300 for a 30-day trip depending on age.
How much does travel insurance cost for Canadians?
Real 30-day premiums for $5,000,000 emergency medical coverage: $101 under age 30, $96 for 30–54, $157 for 55–59, $165 for 60–64, $218 for 65–69, and $300 for 70–74. Trips that do not enter the USA cost exactly 16% less. Shorter trips cost proportionally less.
Is a medical questionnaire required?
No questionnaire under age 60, and none for ages 60–74 on trips up to 60 days. Longer trips at 60–74 use a short questionnaire, and travellers 75–83 complete a medical questionnaire for any trip.
Does provincial health insurance cover me outside Canada?
Barely or not at all. Ontario eliminated its out-of-country emergency reimbursement in 2020, and other provinces reimburse only small fixed amounts (often $50–$400 per day) against foreign bills that can be 50 times higher. Travel insurance is the only realistic protection.
Can I buy a policy that excludes the USA to save money?
Yes. If your trip does not enter the USA at any point (including connections), the non-USA plan gives identical benefits for 16% less — a 70-year-old's 30-day premium drops from $300 to $252.
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