Canada offers remarkable natural beauty, as well as some of the most cosmopolitan cities in the world. Vancouver, Montreal, and Toronto are dream destinations for many travellers.
However, like in the United States, health care costs in Canada are staggering. So, regardless of whether you’re visiting the big cities, or Niagara Falls, travel insurance is essential. It might be the most important investment you ever make!
Finding the best travel insurance for Canada is not an easy task. That’s why I’m devoting today’s post to giving you all the information you need about the best policies, including coverage and pricing. There are also some great discounts on offer right now.
Choosing the right travel insurance for Canada
It can be very exciting to think about all the adventures that await you, but it’s critical to take precautions when purchasing travel insurance to Canada, so you get the appropriate level of coverage for your trip.
If you’re contracting travel insurance to Canada, you need to consider your traveller profile. Choosing travel insurance that is specific to your traveller profile will ensure that you receive the coverage you need, without paying for coverage you don’t need!
To give you an idea of the different alternatives, let’s start by comparing the best policies offering travel insurance for visitors to Canada:
Travel Insurance to Canada: comparison in June 2026
The best way to find the ideal insurance is to compare policies. This can be somewhat time-consuming, but ultimately worth it when visiting an expensive country like Canada. The moment you realise you have extra spending money, you’ll be glad you did it!
To help you find the right option, I’ve created sections outlining the best insurance options for various types of trips, from short-term family holidays, to long-term backpacking adventures. Let’s start with the classic short holiday.
Short-term travel insurance for Canada
If you’re planning a trip of less than 3 months to The Great White North, there are lots of good insurance options that you can take advantage of now.
This comprehensive guide of policies for travel insurance to Canada is based on our list of insurance criteria, which you can see in the table below. But first, we must tell you about this limited time only offer!
This 5% discount from Chapka is valid until 06/06/2026.
Click here: Activate Discount
- Fill in your info: country, coverage regions, and dates.
- Click on “Calculate Price”.
- Done! Your discount will be applied automatically.
Chapka’s most useful benefits for short holidays include:
- Extensive medical assistance at the destination
- Repatriation and early return
- Cover for loss or damage to baggage
The best health travel insurance to Canada is the one that adapts to the needs of your trip, in other words, covers all your companions, and all your activities in Canada, and trust me, there’s a lot!
Currently, there are some great deals on travel insurance to Canada, categorised by traveller profile.
Families travelling short-term
Going on a family holiday to Canada? Look no further!
Until 06/06/2026, get 5% off Heymondo Insurance when you travel as a family.
If you’re seeking coverage for an adventure with the whole family, this is a great option. It offers medical assistance abroad, pharmaceutical expenses, repatriation of minors, and children’s liability.
Remember: when travelling with children, it is especially important to opt for travel insurance suited to families.
Solo-travellers and couples travelling short-term
If you’re going away on holiday to Canada, you want to find an insurance policy that covers you in all situations, so you can really enjoy and take in your experience in Canada.
Luckily, there’s a promotional offer that you can take advantage of now, but don’t wait too long!
Get a 5% discount on Heymondo travel insurance valid until 06/06/2026!
This is the ideal option for travellers exploring the world on their own or as a couple. This policy offers good value for money, has broad equipment and medical coverage, insures you during sporting activities, and even covers pre-existing conditions.
Backpackers and adventurers travelling short-term
If you consider yourself an intrepid traveller, and you’re looking to experience the wilder side of Canada, you need insurance that covers all your activities. Taking out travel insurance allows you to embrace your adventures with peace of mind.
Heymondo is the perfect insurer for adventurous travellers, and for travel to countries with high medical expenses. Its comprehensive coverage includes motor vehicle accidents and adventure sports.
Activate your coupon for a 5% discount on Heymondo, available now until 06/06/2026.
Best long-term travel insurance for Canada
If you plan to travel for more than 3 months, it’s absolutely imperative that you take out insurance. Luckily, there are plenty of good deals on long stay travel insurance that you can take advantage of now, to ensure your trips runs as smooth as possible.
You have until the 06/06/2026 to get a 5% discount on Heymondo Insurance!
Click here: Activate Discount
- Fill in your info
- Click on “Calculate Price”
- You’re ready to go! Your discount will be applied automatically.
Remember, the longer the trip, the higher the chance that something will go wrong at some point.
There are plenty of great policies offering cheap travel insurance to Canada that I recommend you take a look at. Finding the best deal takes a little time and effort, but Canada can be expensive, so every bit of saving counts!
Families travelling long-term
Travel insurance becomes even more crucial when travelling for longer than 3 months, and you’ll travel with peace of mind knowing that you and your loved ones are covered if you should require assistance while in Canada.
Get a 15% Discount on Chapka Adventure for a family of 3 persons or more (valid until 06/06/2026).
This is a great option for long-term family trips. It includes a 24-hour medical chat, repatriation and early return, and pharmaceutical expenses because access to prescription drugs is crucial when travelling with the little ones.
Solo-travellers and couples travelling long-term
As mentioned, Canada has both vast natural beauty, and cosmopolitan cityscapes, so it’s impossible to know exactly what kinds of activities you’ll do while in Canada. That’s why you should opt for broad coverage, so you don’t miss out on any of the fun!
Activate 5% Discount at Heymondo Insurance (valid until 06/06/2026).
If you’re ready to dive straight into your next big adventure, either solo, or with a partner, you want peace of mind.
This insurance policy is ideal for long-term trips (from 1 to 12 months), as it includes a high level of medical costs, repatriation, and it allows for renewal whilst on the road.
Backpackers and adventurers travelling long-term
Canada is a dream destination for adventurers, especially winter sportspeople. If you plan to take part in any activities where there is a risk of injury, insurance is essential.
If you’re an intrepid traveller who’s ready to leap into the unknown and experience the adrenalin and adventure of your next trip, this next long-term travel insurance is for you.
Until 06/06/2026, get a 5% discount on Heymondo Travel Insurance.
Perfect for backpackers, this policy includes a wide variety of high-risk activities, such as activities with undomesticated animals, jet skiing, and off-roading!
The best travel insurance to Canada for digital nomads and businesses
Canada’s high standard of living makes it the perfect place for digital nomads. There are currently plenty of great deals on cheap travel insurance to Canada, especially suited to digital nomads and businesses.
In a country with high healthcare costs, such as Canada, digital nomads really can’t afford not to have insurance. If you’re a digital nomad planning on going to Canada to live and work, take a look at this offer:
Get a 5% discount on Heymondo until 06/06/2026. Get in quick!
Activate Discount Here
- Fill in your trip info
- Click on “Calculate Price”.
- All done! The discount will be applied automatically.
Some of the most useful benefits of Hey Mondo travel insurance for digital nomads include:
- 24/7 assistance platform.
- Repatriation and early return.
- Travel expenses for a family member if you are hospitalised for over a week.
The best travel insurance to Canada for working holidays
Canada has long been a popular destination for working holidays, and the International Experience Canada program is very popular.
Canada is a fantastic place to live and work, not only for its stunning natural beauty, but Canadians are well-known for being friendly and polite.
Enjoy a 5% discount on Chapka Working Holiday insurance (valid until 06/06/2026)
Click Here: Activate Discount
- Fill in your trip info
- Click on “Calculate Price”.
- Done! The discount will be applied automatically.
The most useful benefits that Cap Working Holiday gives those working abroad include:
- Coverage during short trips to your home country.
- Repatriation and early return.
- Medical expenses and hospitalisation abroad covered at 100%.
- This policy is renewable abroad, in case you decide to extend your stay.
Best annual travel insurance for Canada
Do you travel to Canada a lot? If you take out an annual insurance plan, you’ll have travel insurance for all your short-term trips to Canada. A true travel insurance hack!
Annual insurance is essential for frequent travellers. This package insures you for all the trips you take in a year, so you can save time and money on insurance. Each trip under 60 days will include cancellation coverage and a 24-hour assistance platform.
Activate a 5% Discount on Heymondo Annual Multi-trip, only valid until 06/06/2026.
In my experience, the following benefits are crucial for any annual travel insurance policy:
- Strong coverage of medical expenses
- Repatriation and early return
- Covid-19 cover
- Luggage theft or damage
- Trip cancellation cover
Best travel insurance for international students in Canada
If you’re planning a semester abroad in Canada, your student travel insurance plan will be a great companion, and will ensure a smooth exchange.
Canada is a great destination for exchange students, as it has a quality education system, and is home to several well-known schools, such as the University of Toronto, and the University of British Columbia in Vancouver.
Chapka Student is perfect for students heading abroad. This policy is especially useful for students studying in countries with high medical costs, such as the USA, Canada, Australia, New Zealand and Japan.
Get a 5% discount on Cap Student in June 2026:
Click here: Activate Discount
- Fill in your trip info (country of residence, travel dates, type of insurance).
- Click on “Calculate your Insurance”.
- All done! The discount will be applied automatically.
Cap Student also covers travel and accommodation costs for a family member to visit you if you are hospitalised for 2 days or more:
- Repatriation and early return.
- Chronic, pre-existing or congenital conditions.
- Dental expenses.
- Personal injury from motor vehicle accidents.
Travelling to Canada at the best price in 2026
After lots of research and first-hand experience travelling around the world, I’ve compiled some travelling hacks that I’d like to share with you. They’ll help you save money on your travels, so you can focus on the things you enjoy about travelling!
These tips and tricks may take a little time and effort, but it’s worth it when you can reduce the total cost of your trip. Canada is an expensive country to visit, so make sure you’re saving where you can.
There are countless ways to make your travels cheaper. Choosing cheap travel insurance to Canada that is tailored to your needs is important, but remember that there are many more factors that will help you save money, including:
- Flights
- Accommodation
- The card you use
- How you book your activities
If you follow these tips, you might just find that by the end of your trip, you have enough money left over to spend an extra day on the slopes!
Fly at reduced prices!
Both international flights to Canada and domestic flights within Canada are expensive, so here’s a little travel hack to help you save.
You know, flights don’t cost the same from all countries! To pay for my cheapest flights, I use NordVPN.
Basically, it’s a private network that allows you to access Internet sites from locations other than your own, and this can have some serious benefits:
In June 2026, enjoy a 59% discount on NordVPN.
Click here: Activate Discount
Flights from Barcelona to Buenos Aires don’t cost the same if you buy them from Spain as from India, for example. So, once you’ve installed NordVPN, simply access websites like Skyscanner and compare prices by entering as if you were browsing from different countries.
The 8 countries from which it is cheapest to buy flights are: Malaysia, Bulgaria, India, Turkey, Romania, Indonesia, Portugal, and Thailand. Once you have NordVPN, head over to Skyscanner and start paying reduced prices for flights all over the world!
Stay at a discount all year round
Accommodation is also expensive in Canada, especially in the most popular cities for tourists, such as Toronto, Vancouver and Montreal. Follow this trick to save a little extra.
Access Booking.com now and get discounts of up to 15% in June 2026 by becoming a Genius user.
There are also ways to save money when booking your accommodation with Booking. The first of which is becoming a Genius user, something you get from making 2 bookings (Genius level 1), and 5 bookings (Genius level 2).
As a Genius user in Booking.com, you can enjoy:
- Discounts on room rates.
- Free breakfast.
- Upgrades to superior room categories.
- Free parking.
- Late check-out.
- Welcome gifts.
In addition, there are hotels in Booking.com that directly offer you a 10 to 15% discount on your rate for being a Genius user.
Access to get discounts of up to 15% by becoming a Genius user.
Finally, Booking.com has a Minimum Price Guarantee program, so if you find a cheaper price for your hotel on any other website, they’ll match it!
Get the best travel card
This next trick will help you avoid paying exorbitant transaction fees.
If you travel frequently, the Revolut Metal Card is another great way to save money. For starters, they offer you unlimited currency exchanges without paying any fees!
This Card allows you to make unlimited domestic transfers free of charge, and withdraw up to £800 a month from international ATMs.
If you spent £650 abroad in a month using a standard card, and withdrew £350 at ATMs, you would have paid around £44 in fees.
With the Revolut Metal card, you would have paid £0 in fees.
Reserve your entertainment and sightseeing in advance
You can also book your leisure activities in advance and receive discounts.
GetYourGuide is an indispensable tool for organising any trip to any destination. It’s a platform that helps you book tourism and leisure activities for your trip.
With GetYourGuide, you can book your activities online to avoid queues, and take advantage of a discount for online bookings. This way, you save time and money, so you can enjoy more activities during your trip!
Discounts on Travel Insurance for Canada
The best way to save money on your trip is to find a policy at a discount. We’re here to help you, as you can take advantage of the following exclusive discounts on cheap travel insurance for Canada:
Promo code applies an automatic and immediate discount.
Entry requirements for Canada in 2026
In order to enter Canada by air, you need an Electronic Travel Authorization, or eTA. On this website, you will find information about Canada’s entry requirements.
You can apply for an eTA online, and it costs 7 Canadian dollars. You will typically get a response within 72 hours.
As of January 5, 2023, proof of Covid-19 vaccination or a negative test is no longer mandatory to enter Canada, except for travellers arriving on flights originating in China, Hong Kong, Macao, or Taiwan.
Is travel insurance to Canada mandatory?
The Canadian Government does not explicitly require you to have travel insurance to enter the country.
However, it is highly recommended that you do so, especially for long stay travel insurance to Canada, as costs for medical care in Canada are very high for non-residents, and not even the most urgent cases are spared.
If you want to avoid a financial nightmare, taking out medical travel insurance to Canada is essential.
Furthermore, if you’re going to take part in the International Experience Canada program, you do need insurance, and may even be denied entry into the country without it. Your insurance must cover hospitalisation, medical care, and repatriation.
What should my travel insurance to Canada cover?
Here is a list of the main benefits that your insurance policy should cover. This is to ensure that you are covered for any unforeseen events during your trip.
- Medical expenses: the insurer must cover your medical expenses if you get sick or have an accident in Canada. This is paramount for the adventurers and extreme sportspeople!
- Lost luggage: can be reimbursed in case of loss, or theft of luggage, personal belongings, or travel documents.
- Flight cancellations and delays: if you experience flight cancellations or delays, you will be entitled to a refund.
- Medical emergency (accident or illness). This is extra important if you will be exploring in nature in Canada, whose vast forests can be dangerous and unforgiving!
- Repatriation or funeral expenses abroad.
- Delayed baggage (and emergency replacement of essentials).
- Travel delays due to weather.
- Adventure sports add-ons.
Adventure sports in Canada
Here’s a quick tip for backpackers and adventurers travelling to Canada:
Canadians love spending time in nature, and there are tons of thrill-seeking opportunities all over the country. Here are just a few activities you can expect to find:
- Skiing
- Snowboarding
- Snow scootering
- Canoeing
- Ziplining
- Bungee jumping
- Downhill mountain biking
These are all popular activities in Canada. Some will be covered by your regular plan, but for the riskier activities, you may need to purchase an adventure-sports add-on. Remember to check your policy’s terms and conditions carefully!
When contracting travel insurance for Canada, it’s important to do your research to ensure that you’re covered for the activities you want to try. The best way to make sure you don’t miss out on any of the fun is to have the right coverage.
How much does travel insurance to Canada cost?
The price of travel insurance to Canada will depend on various factors, such as the duration of the trip, and the type of cover you take out.
Because health care costs are so high in North America, most insurance companies include the US and Canada in their own category, which, unfortunately, is more expensive.
Here is a set of average prices for travel insurance for visitors to Canada:
- 30-47 € per week for short trips.
- 76-141 € per month for long trips, nomadic or business travel.
- 39-111 € per month for business travel (Working Holiday).
- 39-104 € per month for overseas study travel.
Choosing the option with the highest level of coverage is the best way to ensure a smooth trip, hassle-free. Remember that taking out travel insurance is an investment, and will allow you to rest assured that you are covered while in Canada.
How to take out travel insurance to Canada
Here is a step-by-step guide on how to contract your travel insurance for Canada:
The websites of the insurance companies I’ve mentioned are straightforward and intuitive, so don’t worry!
- Go to the website of the insurer of your choice and click on the insurance plan that you want to contract.
- Once you have selected the insurance, you will see a “Contract” button, or something similar. Click to start the contracting process.
- Once there, you will need to fill in your trip details. This includes the duration of your trip, the number of travellers contracting insurance, and the countries you’ll be visiting. Remember to check the policy’s renewal terms for trips lasting longer than 12 months. For travel to Canada, select the option that says, “North America,” or “World including US/Canada.”
- Fill in the details of each traveller and add a supplement if necessary. This is usually the cancellation or adventure sports option. Remember, these may be very useful when travelling to Canada.
- Read the insurance conditions carefully, and that’s it. You now have your travel insurance to Canada!
Is it safe to travel to Canada?
Canada is one of the safest countries in the world. In fact, the country has a very low crime rate and a high quality of life. However, in major cities, it is advisable to be wary of theft, as tourists are often targeted.
Open drug-use and homelessness are common in places like Vancouver and Toronto, so keep your wits about you, and take sensible precautions at nighttime. If you run into trouble, call 911, or 0, and contact your country’s Consulate in Canada.
It is also a country where natural disasters and bad weather are common. For this reason, travel insurance to Canada must be part of your travel plan. Always check your Government’s official travel advice before going to Canada.
Whether you’re going to Canada to experience their winter sports, big cities, or their countless stunning national parks, I’m certain that you’ll have an incredible time.
Just remember to take out insurance! ✈️🇨🇦
