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What is travel insurance?  

  

You’ve spent months planning for your big getaway vacation – everything from flight tickets to hotel stays have been booked. As soon as you land, however, you find that the airline lost your luggage. Losing valuable belongings and the hassle of getting new ones can put a damper on your much-awaited trip, and the loss that you incur may be a couple of hundred dollars. But you can rest assured that your insurance company will reimburse you for it if you’ve purchased a travel insurance policy. 

However, the stakes could be higher. Not only does travel insurance cover you for lost or delayed baggage, but also prevents you from paying out-of-pocket for expensive health care in a foreign country. An accidental fall can lead to a dislocated shoulder or worse, a medical emergency like a stroke. 

Travel insurance includes: 

Travel insurance policies do not cover:  

As a prerequisite to entry or obtaining a visa, some countries – Bhutan, Qatar, and the Schengen visa required for Europe, for example – mandate purchasing travel insurance. 

The Canadian government advises all travellers to purchase travel insurance. Not only for international trips, but even within Canada, as provincial healthcare may not be sufficient to cover gaps in coverage. 

Whether you are travelling for work or pleasure, are a snowbird or a digital nomad, a frequent flyer or going on your first trip, consider travel insurance as an investment in your safety. While it may not seem necessary, it’s there to protect you and provide peace of mind while abroad. 

You should ideally, purchase travel insurance ahead of your trip. However, don’t just opt for the first insurance provider that you stumble across. When shopping for travel insurance, be sure to determine the type of coverage you require, policy coverage limits, inclusions and exclusions, and the policy deductible. 

At LowestRates.ca, all you have to do is enter a few details about yourself and your trip, and we will find the cheapest travel insurance rates from a wide range of insurance companies. 

But don’t just take it from us.  

Its worth taking some time to read through the terms of the policy to make sure you are getting the lowest travel insurance quote that is best suited to your needs. 

 

 

Types of travel insurance plans 

 In the world of insurance, there’s no ‘one-size-fits-all.’ The good news is that you can customize your travel insurance policy and opt for coverage that is best suited to your needs. 

 

Type of travel insurance

What it covers and benefits

Single-trip travel insurance

Emergency medical coverage for one trip, which you can take anytime within a 365-day period.
Policyholders are covered for up to $10 million in medical expenses.
It’s best suited for the occasional traveller, as the insurance rate is calculated (among other factors) based on the number of days that you are abroad.

Multi-trip or annual travel insurance

Emergency medical coverage for any number of trips taken within one year.
It’s best suited for frequent travellers. However, your insurer may have a limit on the number of days for a particular trip, say 30 days at a time.

Trip cancellation and interruption insurance

Insurance coverage that reimburses you for pre-booked flights, hotel stays, and other travel expenses if you have to cancel your trip for a covered reason. For instance, if your tour operator suddenly files for bankruptcy.
Some policies also reimburse for food and lodging costs if your trip has been interrupted or delayed.
As mentioned, this coverage is usually not included in standard travel insurance policies, in which case, it can be purchased as an add-on.
If your trip bookings are non-refundable, consider adding this coverage for additional protection in case things go awry.

Comprehensive travel insurance or all-inclusive travel insurance

A comprehensive policy offers emergency medical coverage plus insurance against logistical problems, like lost or stolen baggage, trip cancellations, and travel interruptions.
Since all-inclusive insurance has the most extensive coverage, premiums tend to be higher than that of other travel policies.
With increased travel uncertainties, consider opting for comprehensive travel insurance for a safe and hassle-free trip.

Top-up insurance

Travel insurance coverage for travellers who have insurance for a portion, but not for the entire duration, of their trip.
Top-up insurance takes effect after the original coverage lapses.
Top-up insurance is a good option for travellers who may have travel insurance through their credit card but find that it offers insufficient coverage.

After-departure insurance

Some insurance companies offer the option of purchasing travel insurance after you’ve left for your trip. It’s not a regular offering because it raises a lot of red flags for risk-averse insurers whose priority is to safeguard against fraudulent claims, and medical costs in a foreign country can be expensive.
For your application to be accepted, you must not have seen a doctor since departing, have symptoms of illness or a pre-existing health condition, and must be covered under a provincial health insurance plan.
To avoid restrictions on coverage and higher prices, its best to purchase travel insurance ahead of your trip. But better late than never!

How much does travel insurance cost? 

   

 Travel insurance doesn’t have to be expensive.  

We used our travel insurance quoter to find out the cost of travel insurance. The best rate per trip for:  

is $28. 

While travel insurance quotes will vary depending on the coverage one opts for, insurers use certain factors to calculate the rate. These include: 

When compared to the hefty bills that you would be paying out-of-pocket if something one runs into a medical emergency in the US, about 30 bucks is a small amount to pay.  

One way to make sure you’re getting the lowest rate available for your coverage requirements is to compare travel insurance quotes across various providers. A quick three-minute exercise can save you hundreds of dollars that you would otherwise potentially shell out on travel insurance. 

 

 

Why you’ll love using LowestRates.ca to find cheap travel insurance quotes.   

Cheap 

Travel insurance doesn’t have to be expensive. Find the cheapest insurance rates from a wide range of insurance companies. 

Free  

Our travel insurance quoter is 100% free to use. So, finding the best travel insurance quotes won’t cost you a dime.  

Unbiased  

At LowestRates.ca, we bring you the top travel insurance providers – all competing for your business on a level-playing field. 

Secure 

Your personal information will never be given to a third-party. We only ask for the details we need to find you the best travel insurance quotes.  

Awesome 

There are perks to shopping for travel insurance with us. On top of getting the best rates, the process is quick – it only takes 3 minutes. And did we mention it’s free? 

Comprehensive  

One or two quotes won’t do. Get multiple travel insurance quotes from all the top insurers in your area. 

Easy  

No rocket science here – just provide us with a few quick details about yourself and type of travel you intend on doing and leave the hard part to us. 

Quick  

Finding the lowest rates on travel doesn’t take long. Actually, it only takes 3 minutes. All you need to do is provide a few details about yourself and your trip.    

Travel Insurance checklist

Before purchasing travel insurance, it’s important to understand what coverage you will be receiving. Be sure to read the fine print or speak with your insurance provider to understand what may and may not be covered.  

Here’s a quick checklist that can help you with the travel insurance purchase process. 

 

  

 

Your travel insurance questions, answered.

Why do I need travel insurance?

International travel is fun and exciting, but it can also be unpredictable.

Often times you’re operating in a different culture, in a different language, and with a different medical system. Whether it’s damaged luggage or a serious health emergency, travel insurance can help keep you safe if things go wrong while you’re away from home.

Travel insurance is likely the last thing on your mind while you’re mapping out your getaway, but medical emergencies and logistical snafus can happen anywhere. So, it’s a good idea to buy a policy that covers you. We’ll help you compare offers from Canada’s leading travel insurance providers and bring you the cheapest travel insurance possible.

Why compare with LowestRates.ca?

We bring you the best rates from the top travel insurance providers. Simply provide a few, quick details about you and your trip, then click ‘Compare’ to see the best travel insurance quotes available. And just like that, you have the cheapest rate for your travel insurance coverage requirements.

I’ve already left for my vacation. Can I still purchase travel insurance coverage?

The short answer is probably not. Most insurance companies will not allow you to purchase coverage for your vacation while you’re on said vacation.

But who decides when a vacation officially begins, anyway? If you’re travelling by plane, for instance, some insurers might say your vacation begins when you’ve gone through customs. For others, it might begin as soon as you check-in at the airport.

There’s no universal standard, so it may be worth a quick call to your insurance provider to clarify.

Most companies will let you purchase insurance up until the day before your departure – you may even be able to purchase it on the day of (in your Uber, on the way to the terminal). If you’ve already left your home province, a smattering of insurers offer after-departure insurance. But this kind of policy typically comes with a heavy list of conditions, and it can be pricey.

Generally speaking, don’t leave insurance-buying until the last minute. But if you do, call your insurer and see what they can offer you. Better late than never.

Do I need travel insurance to travel between provinces in Canada?

Yes, you need travel insurance for trips within Canada.

Why? Because while you are covered under your home province’s health care plan when you travel out of province, your coverage will be limited. Every provincial health care system is different, and the cost of medical procedures varies by province. That means if you require health care while travelling within Canada, your existing coverage will only pay the equivalent of what that medical service would cost in your home province.

For example, an Ontarian who requires emergency surgery in British Columbia will only be covered for what that surgery costs in Ontario, and you may be forced to pay thousands of dollars more to make up the difference.

Your provincial plan also does not cover the following services while you’re out-of-province: Prescription drugs Dental emergencies Medical transportation back home Emergency air or ground transportation While some provinces have billing agreements, not all of them do. That’s why it’s important to stay covered even inside Canada. Travel insurance is an affordable alternative to the costs you could incur if you experience a medical emergency.

 

Your provincial plan also does not cover the following services while you’re out-of-province:

  • Prescription drugs

  • Dental emergencies

  • Medical transportation back home

  • Emergency air or ground transportation

While some provinces have billing agreements, not all of them do. That’s why it’s important to stay covered even inside Canada. Travel insurance is an affordable alternative to the costs you could incur if you experience a medical emergency.

If I have personal property stolen while I'm travelling, will my travel insurance policy cover it?

The simple answer is yes: your property is covered by your insurance policy, but only up to a certain dollar amount. Even within the same policy, coverage can vary depending on the item. For example, the amount of coverage that a policy extends to electronics might be different than the coverage you’ll get for sports equipment

Keep in mind that there are often specific items that insurance companies won’t cover. Make sure to check what these items are with your insurance provider.

If you didn’t get travel insurance and your items are stolen, it becomes more challenging, but not impossible, to get reimbursed. If your belongings were stolen at a hotel, and it can be proven that the hotel was at fault, the establishment will compensate you up to a certain amount. If items are missing from your checked-in luggage after a flight, most airlines will allow you to file a claim with them.

What types of travel insurance are available?

All inclusive travel insurance

A comprehensive policy that offers emergency medical coverage plus insurance against logistical problems, like lost or stolen baggage, trip cancellations, and travel interruptions. Since all inclusive insurance has the most extensive coverage, premiums tend to be higher than for other travel policies.

Trip cancellation and interruption insurance

This insurance reimburses you for your flight and travel expenses if you have to cancel your trip for a covered reason. Some policies also pay benefits for food and lodging costs if your trip is interrupted or delayed. Those policies may even cover you if your tour operator suddenly files for bankruptcy.

Single trip insurance

Emergency medical coverage for one trip, which you can take any time within a 365-day period.

Multi-trip insurance

Emergency medical coverage for any number of trips taken within 1 year. Also known as annual travel insurance.

Top-up insurance

Purchased by travellers who already have insurance for a portion, but not for the entire duration, of their trip. Top-up insurance takes effect after the original coverage lapses.

After-departure insurance

Few insurance companies offer insurance that covers you when you’ve already left for vacation. Why? It raises a lot of red flags for risk-averse insurers whose priority is to guard against fraudulent claims — medical costs in foreign countries can be expensive. For your application to be accepted, you must not have seen a doctor since departing, you must not be showing symptoms of illness, and you must be covered under a provincial health insurance plan.

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