Travel insurance for Canada
There is no rule we can cite that forces you to buy cover for Canada. Either way the question worth answering is what a medical problem there would actually cost you.
Visitors are not covered by provincial health plans.UNVERIFIED
What we would take
Our Prime plan, USD 150,000 medical. Not because bigger is better as a rule, but because North American hospital pricing makes a 50,000 limit thin.
What to check in any product, ours included
- The medical limit, and whether the transfer and repatriation sit inside or outside it.
- Whether you pay the clinic and claim back, or the operator pays the clinic directly.
- The pre-existing conditions clause, and what it costs to add cover.
- The deadline for notifying a claim. Ours is 24 hours for the event and 60 days for documents.
- Who answers the phone at 3 a.m., and in which language.
Questions
Is travel insurance mandatory for Canada?
We are not aware of a mandatory travel insurance rule for tourist entry to Canada, and we will not assert one we cannot cite. The reason to buy is cost, not compliance: Visitors are not covered by provincial health plans.
How much cover do I need for Canada?
For the United States and Canada we recommend the highest limit we sell, because a single hospital day can pass USD 10,000.
What does it cost?
For a 10 day trip, one traveller aged 34, our Prime plan is USD 112.10, about USD 11.21 a day. Priced 2026-10-16 from the live rate table.