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Canada Travel Insurance

Travel insurance for canada: a guide for us travelers .

From exploring Banff National Park's breathtaking landscapes to experiencing Toronto's vibrant culture or the historic sites of Quebec City, Canada offers a wide range of popular locations and activities. However, before you dive into your adventure, there's a crucial detail to address: securing your travel insurance. 

Discover all the ins and outs of travel insurance for Canada in this guide.   We've got you covered with details on costs, requirements, essential coverage, COVID-19 restrictions, and some handy tips for your trip. 

What should your travel insurance cover for a trip to Canada? 

At a minimum, your travel insurance should cover trip cancellation, trip interruption and emergency medical expenses. Regarding international travel, the US Department of State outlines key components that should be included in your travel insurance coverage.   AXA Travel Protection plans are designed with these minimum recommended coverages in mind.    

  • Medical Coverage – The top priority is making sure your health is in order. With AXA Travel Protection, you can have access to quality healthcare during your trip overseas in the event of unexpected medical emergencies.    
  • Trip Cancellation & Interruptions – Assistance against unexpected trip disruptions can dampen the mood, AXA Travel Protection offers coverage against unforeseen events.   
  • Emergency Evacuations and Repatriation – In situations where transportation is dire, AXA Travel Protection offers provisions for emergency evacuation and repatriation.   
  • Coverage for Personal Belongings – AXA offers coverage for your belongings with assistance against lost or delayed baggage.   
  • Optional Cancel for Any Reason – For added flexibility, AXA offers optional Cancel for Any Reason coverage, allowing you to cancel your trip for non-traditional reasons.  Exclusive to Platinum Plan holders. 

In just a few seconds, you can get a free quote and purchase the best travel insurance for Canada.

How does Travel Insurance work for Canada 

Let’s say you’re exploring Ottawa's stunning architecture or skiing down Banff's slopes with AXA Travel Protection. If you were to fall ill or face an unexpected travel hiccup, AXA Travel Protection steps in to help support you. Whether assisting in medical transportation or finding the best alternative for a trip delay, AXA Travel Protection ensures you’re supported in your time of need.  

How AXA Travel Protection Can Benefit Visitors to Canada 

Here’s the entire list of benefits travelers can have access to with an AXA Travel Protection Plan: 

Medical Benefits: 

  • Emergency Medical Expenses: Should you fall ill or have an accident during your trip, your policy may offer coverage for medical expenses, including hospital stays and doctor's fees. 
  • Emergency Evacuation & Repatriation: In case of a serious medical emergency, your policy may include provisions for evacuation to the nearest appropriate medical facility or repatriation. 
  • Non-Emergency Evacuation & Repatriation : In non-medical crises (e.g., political unrest), your policy may cover evacuation or repatriation, subject to policy terms.   

Baggage Benefits: 

  • Luggage Delay: If the airline delays your checked baggage, your policy might offer reimbursement for essential items like clothing and toiletries. 
  • Lost or Stolen Luggage: In the unfortunate event of permanent loss or theft of your luggage, your policy may offer reimbursement for its value, assisting you in replacing your belongings.   

Pre-Departure Travel Benefits: 

  • Trip Cancellation: You may be eligible for reimbursement if you cancel your trip due to a sudden illness or injury. 
  • COVID-19 Travel Insurance: Coverage is available for trip cancellation and medical expenses related to COVID-19, subject to policy terms and conditions. 
  • Trip Delay: If your flight faces delays due to unforeseen circumstances, you may have coverage for additional expenses such as meals and accommodations.   

Additional Travel Benefits that are Optional 

  • Rental Car (Collision Damage Waiver): Exclusive to Gold & Platinum plan policy holders, this optional benefit gives travelers extra coverage on their rental car against damage and theft. 
  • Cancel for Any Reason: Exclusive to Platinum plan policy holders; this optional benefit gives travelers more flexibility to cancel their trip for any reason outside of their standard policy. 
  • Loss Skier Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate some costs associated with pre-paid ski tickets that you or your traveling companion cannot use due to specified slope closures. 
  • Loss Golf Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate the expenses linked to prepaid golf arrangements that you or your travel companion are unable to utilize due to specified golf closures.   

Do I Need Travel Insurance for Canada? 

Americans aren't required to purchase domestic or international travel insurance to visit Canada. But it’s still highly recommended to have a travel insurance plan before embarking on your next trip.  

Why? There are several reasons: 

  • Medical Emergencies: Your health is a top priority. If you face a sudden illness or injury in Canada, travel insurance offers the means to receive prompt and quality medical care.    
  • Lost Baggage: Airlines sometimes mishandle baggage, and the last thing you want is to be without essentials in an unfamiliar place. Travel insurance offers to cover the cost of replacing necessary items, allowing you to continue on.   
  • Flight Delays: Travel disruptions like flight delays can happen. If you miss a connecting flight or incur additional expenses due to delays, travel insurance can help cover the costs. 

How Much Does Travel Insurance Cost for Canada? 

In general, travel insurance costs about 3 – 10% of your total prepaid and non-refundable trip expenses. The cost of travel insurance depends on two factors for AXA Travel Protection plans: 

  • Total Trip cost: The total non-prepaid and non-refundable costs you have already paid for your upcoming trip. This includes prepaid excursions, plane tickets, cruise costs, etc.   
  • Age: Like any other insurance type, the correlation is rooted in increased health risks associated with older individuals. It's important to note that this doesn't make travel insurance unattainable for older individuals. 

With AXA Travel Protection, travelers to Canada will be offered three tiers of insurance: Silver, Gold , and Platinum . Each provides varying levels of coverage to cater to individual's preferences and travel needs. 

Travel Insurance Requirements for Canada 

Travel insurance is not mandatory for US travelers coming to Canada, but having coverage for medical emergencies is a smart move. It's also worth checking if your visa, entry requirements, or tour operator call for extra coverage.   

Are there any COVID-19 Restrictions for US Visitors? 

As of October 2023, Canada has eliminated all COVID-19 entry requirements. However, it's crucial to be mindful of your health. If you develop COVID-19 symptoms before your trip, consider postponing your travel plans to Canada. Having Cancel for Any Reason as part of your travel insurance plan becomes invaluable in such a scenario. This optional benefit provides the flexibility to cancel your trip, even for a reason beyond standard coverage.   

Are there any required travel vaccinations for Canada? 

Canada does not have specific vaccine requirements for travelers. However, due to COVID-19, travel requirements may change from time to time. Stay up-to-date on vaccine requirements and recommendations by consulting official sources such as the Government of Canada's website.   

Traveling with pre-existing Medical Conditions? 

Traveling with pre-existing medical conditions can complicate your plans, but with AXA Travel Protection, we're here to support you during your trip.   Our Gold and Platinum  plans offer coverage for pre-existing medical conditions.  The Platinum plan, in particular, is our highest-offered choice for travelers who want our highest coverage limits and optional add-ons, 

What does this mean for you? If you've got a medical condition that's been hanging around, you can qualify for coverage under our Gold and Platinum plans with a pre-existing medical condition , so long as it’s within 14 days of placing your initial trip deposit and in our 60-day look-back period. We're here to ensure you travel easily, no matter your health situation.   

Our Suggested AXA Travel Protection Plan 

AXA presents travelers with three travel plans – the Silver Plan , Gold Plan , and Platinum Plan , each offering different levels of coverage to suit individual needs. Given that Canadian hospitals often do not accept U.S. health insurance or Medicare, we genuinely recommend travelers consider purchasing any of these plans, particularly for the crucial coverage they offer for emergency accident and sickness medical expenses.  

The Platinum Plan is your go-to choice if you're looking for extra coverage aligned with the Canadian experience. " Cancel for Any Reason " offers greater flexibility for those unexpected twists in your travel plans and the " Rental Car (Collision Damage Waiver) " offers assistance when you're out exploring Canada's stunning landscapes in a rental car. 

Additionally, part of the Platinum Plan is the " Lost Skier Days " benefit, offering potential reimbursement if ski resorts unexpectedly close due to ever-changing snow conditions. These perks make the Platinum Plan an excellent option for anyone seeking comprehensive protection during their exciting Canadian adventures. 

FAQs about Canada Travel Insurance   

1. can you buy travel insurance after booking a flight .

Absolutely! Travelers can purchase travel insurance for Canada after they've booked their flights.  Purchasing travel insurance for your trip is advisable as soon as you have made your initial trip deposit (prepaid and non-refundable trip costs.)  

2. When should I buy Travel Insurance for Canada?

AXA Travel Protection offers coverage as soon as you purchase your protection plan. We can give coverage against unforeseen events before you leave for your trip.   Additionally, our policies offer coverage for pre-existing medical conditions and Cancel for Any Reason if you purchase your protection within 14 days of making your initial trip deposit. 

3. Do US citizens need travel insurance to Canada? 

Travel insurance to Canada from the USA is not mandatory but highly recommended. While Canada’s healthcare system is fantastic, it might not cover all your medical expenses as a non-resident and medical bills can add up fast.  

4. What type of medical conditions does AXA Travel Protection cover? 

AXA covers three types of medical expenses: 

  • Emergency medical expenses 
  • Emergency evacuation & repatriation 
  • Non-medical emergency evacuation & repatriation 

Emergency medical expenses are unexpected incidents that arise, such as broken bones, burns, unexpected illnesses, and allergic reactions.  Emergency evacuation and repatriation can cover your immediate transportation home in the event of an accidental injury or illness.     Non-medical emergency evacuation and repatriation can cover evacuation assistance when you immediately leave a destination for non-medical-related events. These could be things like natural disasters or civil unrest.   

Disclaimer: It is important to note that Destination articles are for editorial purposes only and are not intended to replace the advice of a qualified professional. Specifics of travel coverage for your destination will depend on the plan selected, the date of purchase, and the state of residency. Customers are advised to carefully review the terms and conditions of their policy. Contact AXA Travel Insurance if you have any questions.  AXA Assistance USA, Inc.© 2023 All Rights Reserved.  

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Our best travel insurance for visitors to Canada

Canada entry requirements & travel information, why should i get travel insurance for my trip to canada, what types of travel insurance do i need for canada, what doesn’t travel insurance for a trip to canada cover, how much does travel insurance for canada cost, tips for choosing the best travel insurance for canada, canada travel insurance faqs, related topics.

Travel Insurance to Canada: Tips & Quotes for US Visitors

Sarah Stasik

KEY TAKEAWAYS

  • Based on our research, our top picks for Canada travel insurance come from Tin Leg, Seven Corners, Generali Global Assistance, Travel Insured International, and IMG . ( skip ahead to view these insurance plans )
  • It is a good idea to purchase Canada travel insurance because US private insurance and Medicare will not work in Canada .
  • Despite having a robust public health system, there is no free health insurance in Canada for visitors.
  • If you are without a travel insurance policy, any medical treatment you receive while in Canada will leave you out of pocket .
  • The most basic policy you should acquire is one that covers both travel medical insurance and medical evacuation coverage.
  • To help you find the right travel insurance for your trip to Canada, try using an online comparison tool . This way you can get multiple quotes and compare your options easily in one place.

Whether you’re planning to visit Niagara Falls, hike through Banff National Park, or show off your French accent outside of France in Montreal, Canada is an ideal travel destination.

You don’t even need a visa for trips lasting less than 180 days , so it’s also relatively easy to plan a Canadian vacation. That said, it’s important to plan for emergencies.

When travelling to Canada insurance reimburses some of your expenses if you have to cancel your trip for a covered reason. It may also cover losses associated with delays, rental car damage, rental car theft, or problems with your baggage.

To help you plan a hassle-free trip, we researched the requirements for traveling from the United States to Canada. Find out why we recommend comprehensive travel insurance for your trip.

Our top picks for the best canada travel insurance

  • Tin Leg: Best for High Medical Coverage
  • Seven Corners: Best Coverage for Pre-Existing Conditions
  • Generali Global Assistance: Best Basic Coverage
  • Travel Insured International: Best for Medical Evacuation Coverage
  • IMG: Best for Travelers Aged 80+

Best for High Medical Coverage

Tin Leg

Why We Like It

Editor's take

Tin Leg’s Gold policy is renowned for offering top-quality travel insurance at reasonable prices and at a competitive rate.

AM Best rates all of Tin Leg’s policies at A- or higher when it comes to their financial strength and Tin Leg’s Gold plan is no different. What makes this policy stand out is its great medical and evacuation coverage limits, all offered at an affordable price.

With both trip cancellation and interruption coverage offered for numerous instances, including COVID-19, you will covered should the worst happen while visiting Canada. The high coverage of $500,000 for emergency medical expenses and up to $500,000 in emergency medical evacuation coverage both make the Tin Leg Gold policy a popular travel insurance choice.

  • Excellent primary coverage for medical expenses
  • High limit for emergency evacuation coverage
  • Optional cancel for any reason (CFAR) coverage available
  • Comes with coverage for hurricanes and inclement weather
  • Coverage for pre-existing conditions is available if purchased within 14 days of the trip deposit
  • Baggage delay coverage requires a 24-hour waiting period
  • Low coverage limits for baggage and personal effects

Best Coverage for Pre-Existing Conditions

Seven corners.

This Trip Protection Choice plan from Seven Corners offers great all-around coverage at a competitive price. Although at the lower end of the price spectrum, Trip Protection Choice provides travelers to Canada with a reassuring $500,000 in primary medical coverage. To match this high level of coverage, this plan from Seven Corners also offers $1 million in medevac and repatriation coverage, which is some of the highest around.

Further popular additions include trip cancellation, interruption, and delay coverage, accidental death & dismemberment coverage, baggage damage and loss coverage, and a 14-day money-back guarantee.

Trip Protection Choice is a great choice for those with pre-existing conditions. The pre-existing conditions waiver stipulates you can be covered if:

  • The policy payment & enrollment form is received within 20 days of the initial trip payments/deposits and within 15 days of payment for any subsequent travel arrangements added to your trip
  • You or your traveling companion are medically able to travel and at the time your premium is paid based on the assessment of a physician.
  • Offers coverage for pre-existing conditions
  • Money-back guarantee
  • Cancellation & Interruption coverage standard
  • Covers action sports & equipment
  • Cancel for any reason not included standard
  • Must meet waiver for pre-existing conditions to be covered

Best Basic Coverage

Generali global assistance.

Generali Global Assistance offers high coverage limits for medical expenses, emergency dental expenses, emergency medical evacuation coverage, and so much more for your visit to Canada. With an A rating from AM Best, it is no wonder that Generali Global Assistance is one of the more popular choices when it comes to travel insurance.

Generali Global Assistance’s Standard plan is fantastic for those who are looking for basic coverage at an affordable price. Offering both trip cancellation and interruption, this standard plan is perfect for countering those unforeseen circumstances.

Other Standard plan perks include $1,000 per person in baggage coverage, up to $50,000 in medical coverage, and $250,000 in medical evacuation coverage.

  • Lowest cost of all Generali Global Assistance plans
  • 24/7 emergency travel assistance included
  • Telemedicine included
  • Lower coverage than other Generali plans
  • Pre-existing conditions are not covered by the Standard plan
  • No coverage for accidental death and dismemberment during on-land travel

Best for Medical Evacuation Coverage

Travel insured international.

Travel Insured International’s Worldwide Trip Protector offers superior coverage and is ideal for those looking to take a trip over the border to Canada. This plan covers 100% of the insured trip cost due to cancellation, 150% of the insured trip cost due to interruption, and $1,500 for trip delays.

A popular perk is the Worldwide Trip Protector $500 coverage for baggage delays after only 3 hours. When it comes to medical coverage, Worldwide Trip Protector provides $100,000 of secondary medical coverage and $1 million of evacuation coverage - ideal if the worst should happen in the Canadian wilderness.

  • Travel delay coverage kicks in after just six hours
  • Generous $150,000 non-medical evacuation coverage
  • CFAR and IFAR coverage not included
  • Baggage delay coverage only kicks in after 12 hours
  • No rental car coverage

Best for Travelers Aged 80+

IMG’s iTravelInsured Travel LX Basic is a great plan for travelers of all ages and offers fantastic coverage for surprisingly low prices. For example, with this plan, you will be covered for up to $500,000 of primary emergency medical coverage - meaning you won’t be out of pocket and waiting for a reimbursement while traveling.

This plan also comes with travel cancellation, interruption, and travel delay coverage as well as $40,000 in rental car damage protection included. Protection for baggage delays and baggage loss also comes standard.

Elderly travelers to Canada will also see the appeal of the iTravelInsured Travel LX Basic’s ‘look-back period of 60 days’ This means it only considers pre-existing conditions as “an illness, disease, or other condition during the 60-day period immediately prior to the date your coverage begins.”

  • 10-day money back guarantee
  • Generous limits for trip delays, emergency evacuation, and more
  • Coronavirus-related medical expenses covered
  • Rental car coverage included
  • Recently developed pre-existing conditions may not be covered
  • CFAR and IFAR coverage only available as an add-on with premium plans

The table below provides an overview of entry requirements and travel information for your trip to Canada from the United States, according to the US Department of State .

Do I need a passport to visit Canada?

Yes. Under the Western Hemisphere Travel Initiative , all U.S. citizens must present a valid passport when crossing the US-Canada border.

Do I need to be vaccinated to go to Canada?

No. Canada travel restrictions don’t include any vaccine-related requirements for American citizens .

Do Americans need travel insurance in Canada?

You may not have to use your travel insurance in Canada, but, it’s worth bearing in mind that you won’t be financially covered for medical expenses if you require emergency care.

That means that the Canadian government will charge you for any treatment received and you could be left out of pocket should anything unexpected happen. This is also the case even if the services or medications provided would normally be covered in the United States.

When planning your visit to Canada, insurance may not be top of mind. However, an emergency can happen at any time, making travel insurance helpful in the following situations:

  • Accidents: If you’re in a car accident, fall down the stairs at your hotel, or injure yourself while sightseeing, travel medical insurance will cover the cost of diagnosing and treating your injuries.
  • Illnesses: Even if you’re healthy, there’s a chance you could come down with food poisoning, develop appendicitis, or display symptoms of another serious illness while you’re in Canada. If this happens, your American health insurance won’t foot the bill, nor will Canada’s publicly funded health care system. Travel insurance will cover your medical expenses, including X-rays, blood tests, CT scans, physical exams, and medications.
  • Cancellations : No matter how much planning you do, there’s always a chance that you’ll have to cancel your trip due to an emergency. If you don’t have travel insurance, you may not be able to get any of your money back.
  • Medical evacuation : If your travel plans include rural areas with limited access to health care services, you may need to be evacuated to another area. Travel insurance often includes coverage for medical evacuations.

Hazards in Canada’s national parks

Canada is home to 38 national parks. These great expanses of wilderness are incredible places to explore and are populated with wildlife of all kinds. These parks offer great opportunities to hike, ski, climb, and camp. As we can see from the official Canadian National Park website , they are also volatile regions, susceptible to extreme weather fronts and close encounters with potentially dangerous animals.

Travel insurance for emergency medical evacuation, medical coverage, and adventure sports coverage are a must while exploring the vastness of the Canadian wilderness. However, not all plans automatically cover adventure activities, so it is important to compare plans before purchasing.

Wildfire season

Wildfire season in Canada typically runs from May through to October. In recent years, particularly in the west of the country, Canada has begun to experience far more extreme and prolonged wildfires. While predicting the movement of wildfires and their effects can be difficult, downloading local alert apps and keeping yourself updated via government websites all help avoid any disastrous situations.

Ensure your travel insurance policy has high-quality emergency evacuation and trip cancellation insurance. This will allow you to be far more prepared and flexible should wildfires affect your vacation plans.

Winter sports

Canada is famous the world over for its winter sports. Numerous tourists come to Canada every year to experience the thrill of skiing, snowboarding, and riding snowmobiles on its many trails. As highlighted in Canada’s official government website on the issue, you should take extreme caution by avoiding closed trails and keeping up-to-date with local weather reports, especially where there is a risk of avalanches and winter storms.

Similarly to those exploring Canada’s grand national parks, it’s advisable to ensure your policy offers adventure sports coverage and emergency medical evacuation coverage, should the worst happen during your trip.

Travel insurance plans are typically divided into two distinct categories:

Medical-based travel insurance

  • Comprehensive travel insurance

What is included in your overall coverage depends on the type of policy you purchase.

The most basic level of travel insurance for Canada visits should be a policy that is medical-based. Medical insurance for Canada is often the cheapest level of insurance you can buy. Medical insurance will cover you should you experience any illness or accidents during your vacation.

As noted above, Medicare and other US private insurers won’t cover you while you are in Canada, so those without medical-based travel insurance will be left out of pocket should the worst happen. Therefore, when visiting Canada, health insurance should be at the top of your travel checklist.

Medical-based travel insurance policies usually cover two separate coverage limits for medical emergencies and emergency medical evacuations:

  • Emergency medical insurance : At a minimum, we recommend getting a plan that provides health insurance for visitors to Canada. Travel medical insurance covers a wide range of health care expenses. For example, if you develop a health condition after eating contaminated food, travel medical insurance should cover the cost of blood tests, IV fluids, and other types of medical care.
  • Medevac insurance: You may be used to having a hospital within just a few miles of your home. When you’re traveling, that’s not always the case, especially if you plan to spend time in a national park or hunt in the Canadian wilderness. Medical evacuation insurance , or medevac, pays to transport you to the nearest suitable medical facility if you develop a serious illness or injury during your trip.

Medical plans will not include far more in-depth travel insurance add-ons such as trip cancellations or trip cost reimbursement. If you require this additional coverage, you will need to purchase a more comprehensive travel insurance plan.

Comprehensive travel coverage

When selecting a travel insurance policy, you have the option of purchasing plans that reimburse you for non-refundable prepaid trip expenses and plans that don’t. You may want to be insured for things such as trip cancellations, trip interruptions, travel delays, and the loss of personal items. If this is the case, you will need to select an insurance policy that covers you for trip cost reimbursement.

Some medical-based plans may reimburse you for a canceled or interrupted trip if it is the result of a pre-covered illness or injury. However, your trip may be interrupted or canceled based on unforeseen events such as a terrorist attack or natural disaster. In this case, you will need to purchase a policy that covers cancellation and interruption coverage for prepaid, nonrefundable expenses to make a claim.

Further below , you will see a cost example that shows the difference in prices of medical-based plans versus comprehensive travel insurance coverage.

Optional Add-ons

Some travel insurance for Canada vacations will also offer cancel for any reason (CFAR) insurance . With this type of coverage, you can cancel your travel plans for any reason at all and still get back around 50% to 75% of your prepaid travel expenses. Including this will allow you far more flexibility should you change your Canadian vacation plans.

Does US health insurance work in Canada?

US government health plans such as Medicare, Medicaid, Tricare, and the State Children’s Health Insurance Program will not pay for health care while in Canada. This includes treatment such as hospital visits and the supply of prescription drugs.

The only exceptions to these rules are where you require emergency medical treatment within the US and the closest hospital is across the Canadian border. Also, if you are passing through Canada between Alaska and a US state and a medical emergency arises.

Generally speaking, most travel insurance policies exclude coverage for the following scenarios:

  • Claims resulting from illegal activities
  • Claims related to medical tourism
  • Injuries resulting from intoxication from drugs or alcohol
  • Cancellations due to fear COVID-19 (See COVID-19 travel plans)

Aside from the highly obvious reasons, some travel insurance providers will also include restrictions are the following situations :

  • Pre-existing medical conditions: Unless you have a waiver, most travel insurance plans do not cover pre-existing conditions . To qualify for a waiver, you typically must purchase your travel insurance plan within 14 to 15 days of making your initial trip deposit.
  • Adventure sports : Standard travel insurance plans won’t usually cover injuries associated with skiing, rock climbing, and other adventure activities you may do on your Canadian vacation. If you plan to do these types of activities, make sure to purchase coverage that includes these types of sports.
  • Pregnancy-related care: Regular wellness care and normal delivery are not covered by travel insurance. However, emergency care that you require while traveling while pregnant may still be covered.
  • Non-emergency medical care :Non-emergency procedures that can wait until you return home are not covered by travel insurance.

Travel Insurance for a trip to Canada can cost as little as around $1 per day for the cheapest, most basic coverage . For more comprehensive plans, you can expect to pay around $8 to $10 per day.

To compare the cost of travel insurance , we got price quotes from a few popular companies.

We used the following details to obtain quotes:

  • Destination: Canada
  • Age: 35 years old
  • Trip length: 7 days
  • Trip cost: $2,000

The table below shows quotes for basic travel insurance plans.

Cost Example Where Travel Insurance Plan Doesn’t Reimburse the Full Trip Cost

While searching for a travel insurance plan, you may wish to have more comprehensive protection for your trip to Canada. To give you an idea of how much this costs, we compared quotes for plans that reimburse the full cost of a trip for the table below.

Cost Example Where Travel Insurance Plan Reimburses the Full Trip Cost

When searching for travel insurance, keep in mind that several factors impact how much you’ll pay.

Factors that influence the cost of travel insurance include:

  • Your age: Even if you’re in good health, your risk of developing medical problems increases as you age. Insurance companies charge higher premiums for travel insurance for seniors to account for their increased risk.
  • The cost of your trip: The more you spend on your trip, the more an insurance company is likely to owe you if you have to file a claim. Therefore, insurers charge more to cover expensive trips.
  • The length of your trip: The longer you plan to travel, the more you can expect to pay for travel insurance.
  • Your destination: Your insurance company may charge more for some destinations than others, increasing your cost of coverage.

Before you purchase travel insurance for your trip to Canada, follow these tips to find the best plan :

Shop around and compare

Just because a plan has the highest premium doesn’t mean it offers the best coverage. Use the LA Times Comparison Tool to determine which company offers the most benefits at the lowest price.

Think about additional coverages you may need

Travel insurance doesn’t usually cover injuries associated with skiing, rock climbing, and other adventure activities. If you plan to do one of these activities, look for a plan that includes extra coverage.

Adjust your transportation plans

Travel insurance doesn’t cover trip delays unless you’re traveling via a common carrier. You may want to adjust your transportation plans to ensure that you’re eligible for this type of coverage.

Purchase a policy early

You may be able to get a better deal on travel insurance if you purchase a plan as soon as you make your initial trip deposit.

Do I need travel insurance to visit Canada?

You are not legally required to buy travel insurance to visit Canada, but it should be a top priority. You should always purchase travel insurance before you travel outside the United States. This type of insurance reimburses you for expenses associated with trip cancellation, trip delays, and other travel issues, limiting your losses.

Can I use my US health insurance in Canada?

No. Both private and government-sponsored health insurance plans only cover expenses incurred in the United States.

Do I need travel health insurance for Canada?

It’s a good idea to purchase travel medical insurance before you go abroad. This type of insurance covers emergency transportation, physical exams, diagnostic tests, medications, surgical procedures, and other health expenses. Most travel insurance plans will also include coverage for COVID-19 as standard.

Can Americans travel to Canada without a COVID-19 test?

No. Canada no longer requires tourists from the United States to take a COVID-19 test or quarantine before entering the country.

What happens if I get sick in Canada?

If you get sick in Canada and don’t have travel medical insurance, you will have to pay for your own hospital or medical services. This is why it’s so important to purchase travel insurance with medical coverage before you embark on your trip.

Sarah Stasik is an editorial writer and a Six Sigma certified project manager. She is well versed in personal finance thanks to her previous role as a Revenue Cycle Manager for a Fortune 500 healthcare company. Using her inside knowledge and expertise, Sarah often covers topics ranging from insurance and the economics of private healthcare to personal finance and small business management.

Over the past 12 years, Sarah has contributed to numerous publications in the personal and small business finance sector, including content on budgeting, bankruptcy, small business accounting, and financial tech. Her writing focuses on making complex or seemingly daunting financial topics more accessible and providing helpful, relevant resources for readers.

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HelloSafe » Travel Insurance

Best travel insurance in Canada for 2024

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Travel, whether for leisure, business, or work, has become integral to our modern lives. While it opens doors to diverse experiences, travel insurance is crucial in providing peace of mind against unforeseen expenses like medical emergencies and trip disruptions, particularly during unpredictable events.

But choosing the right travel insurance can be a challenge and demands careful consideration of factors like coverage, individual needs, exceptions, and more. We've got you covered.

In this guide, we take you through everything from coverage types and costs to the best plans and how to find cheap travel insurance. You can use our comparator at the top of this page to compare plans, get free quotes , and find a policy that truly fits your needs.

Top 10 travel insurance Canada plans

  • soNomad travel insurance: Straightforward and affordable
  • Allianz travel insurance: Affordable Plans Starting At $27
  • Tugo travel insurance: Tailored solutions
  • Destination travel insurance: Specialized coverage
  • Manulife travel insurance: Flexible policies
  • Blue Cross Travel Insurance Canada: Flexible plans for every need
  • CAA travel insurance: Best for CAA members
  • RBC travel insurance: Coverage from a reputed bank
  • TD travel insurance: High coverage limits
  • BCAA travel insurance: Budget-friendly options

Before we explore the best plans in the market, let's look at the basics of this coverage first.

What is travel insurance?

Travel insurance is a policy that protects your investment in a trip. It reimburses for financial losses of a canceled or interrupted trip, as well as emergency medical care during travel, emergency evacuation, damage to a rental car, lost luggage, and more. The medical care component is critical in a country like Canada. Out-of-province care costs more and offers less than in patients' home province.

It takes different forms. You can purchase it as an individual policy or as an add-on to a travel purchase like a flight. It may even be included as a credit card benefit when you use yours to make a travel purchase.

What is international travel insurance?

International travel insurance is a subset of travel insurance, specifically tailored for trips abroad, while the latter can cover domestic and international trips. The key difference is that international coverage is designed to address the unique challenges and risks associated with international journeys, such as medical emergencies, visa issues, and currency exchange, in addition to covering the same aspects as standard travel coverage, like trip cancellations and lost baggage.

How does travel insurance work?

Here's how it typically works:

  • Purchase a Policy: Before your trip, you buy a policy, specifying the coverage, trip duration, and other relevant details.
  • Traveling: During your trip, if you encounter covered events like medical emergencies, trip cancellations, lost baggage, or other unexpected issues, you can contact your insurance provider or its 24/7 assistance line.
  • Claim Submission: Submit a claim with the required documentation, such as medical bills or receipts for lost items, to your insurer for reimbursement.
  • Reimbursement: If your claim is approved, the insurance provider reimburses you for eligible expenses, helping you manage unexpected costs and disruptions during your travels.

What does travel insurance cover?

What is covered depends on the insurer and the level of coverage you choose. It commonly covers emergency medical care, trip cancellation, trip interruption, and lost or damaged baggage.

Travel insurance is customized based on the needs of your specific trip. A basic plan covering just flight cancellation may be fine if you already have supplemental individual medical coverage and are traveling within Canada. On the other hand, if you are planning a ski trip to the French Alps, a comprehensive plan with emergency medical care and evacuation back home could help set your mind at ease if you experience a bad fall on the slopes.

Manulife’s CoverMe is one of the most popular providers in Canada, and here is what their Single Trip All-inclusive plan offers:

What does it not cover?

Common exclusions typically include:

  • Pre-existing Medical Conditions: Coverage may not extend to pre-existing medical conditions without a specific waiver or rider.
  • High-Risk Activities: Activities like extreme sports or dangerous hobbies may require additional coverage or be excluded.
  • Traveling Against Advisories: Trips to countries under travel advisories or travel restrictions may not be covered, depending on the policy.

What are the different types of travel insurance?

The most common categories are:

  • Baggage insurance - Did you make it to that Caribbean island or European capital, but your luggage did not? It does not have to ruin your trip. This insurance will give you some spending money to get essentials due to a delay or replace it in case it is lost.
  • Emergency medical insurance - You cannot put a price on your health. This protects you if you get injured or sick while away.
  • Trip cancellation - Have an emergency back home before your trip? If you are unable to travel, this coverage will reimburse what you spent on nonrefundable travel.
  • Trip interruption - Miss a connection flight? Maybe you need to return home early? That is okay, you are covered. This is similar to trip cancellation insurance but covers you during a trip rather than before it.
  • All-inclusive policies - Want to be prepared for anything? These policies include all of the above insurance types.

Finally, consider how much you will be traveling in the year. Single-trip and annual coverage options exist. Annual plans may save you money if you intend to travel two or more times per year.

What is travel medical insurance?

Travel medical insurance provides coverage for medical emergencies during your trip, including doctor's visits, hospitalization, and emergency medical evacuation. It is a subset of travel insurance, which covers a wider range of risks such as trip cancellations, lost baggage, and non-medical aspects of travel. You can often purchase stand-alone medical coverage if you primarily need health-related coverage for your trip.

How much is travel insurance?

A basic plan for a 30-year-old single traveler could be as little as $26 for a week, while a comprehensive plan could cost that same traveler $125.

How much travel insurance costs depends on the length of your trip, the destination, the desired coverage, and your age. We recommend plans that include emergency medical coverage.

How much is travel insurance in Canada?

On average, a basic single-trip policy for a one-week trip may cost around $25 to $50 CAD for an individual, while an annual multi-trip policy can range from $100 to $300 CAD. More comprehensive coverage or longer trips can increase the cost. Seniors and individuals with pre-existing conditions may pay higher premiums.

It's essential to compare quotes from different providers to find a policy that suits your needs and budget. Try our comparison tool below to get free personalized travel insurance quotes for your upcoming trip. Compare rates, explore options, and find the best policy for you in just seconds.

Prepare for your trip Compare. Choose. Save.

What does travel insurance for seniors cover?

Travel insurance for seniors offers increased medical coverage over other plans and coverage for stable pre-existing conditions. It works like any other emergency medical insurance plan but is adapted to the needs of senior travelers.

Leading plans medical travel insurance for seniors Canada plans offer:

You can use our comparator at the top of this page to find the best Canadian travel insurance for seniors based on their unique needs. It only takes a few steps and you have free quotes in seconds.

How much is travel insurance for Canadian seniors?

The cost of travel insurance for Canadian seniors can vary based on factors like age, health, destination, and trip duration. On average, a comprehensive single-trip policy for a senior traveler may range from $50 to $200 or more, while an annual multi-trip plan could cost approximately $300 to $1,000 or higher, depending on coverage limits and individual circumstances. Pre-existing conditions may also alter the coverage you can access.

What is the best travel insurance for visitors to Canada?

Leading Canadian travel insurance companies offer medical travel insurance to visitors. These can be perfect for non-residents in the country on vacation, business, or visiting family. These plans can be a lifeline for people living in Canada who have not yet qualified for public healthcare.

The best travel insurance for visitors to Canada depends on the traveler’s needs. Additionally, plans may be available to them from their home country.

Is it mandatory to have travel insurance to visit Canada?

No, you do not need private travel coverage to visit Canada. It is not mandatory for all visitors to Canada, but it is highly recommended. Canada's public healthcare system does not cover visitors, and some provinces may require health insurance for entry. Having travel coverage provides financial protection and peace of mind for medical emergencies and unexpected events. Policies and requirements can change, so check with Canadian authorities for the latest information.

Good to know

If you are sponsoring a parent or grandparent to visit you in Canada, did you know that you are required to purchase super visa insurance? Learn more and compare the best super visa insurance plan in Canada in our super visa guide .

How to get the cheapest travel insurance Canada plans?

So how to get travel insurance? Most importantly, how to get the most affordable plans? Follow these 5 steps to get the best deals.

  • Compare Multiple Quotes: Obtain quotes from various insurance providers to find the best price for your desired coverage.
  • Choose Essential Coverage: Select coverage that matches your specific travel needs, avoiding unnecessary add-ons.
  • Consider Annual Policies: If you travel frequently, annual policies often offer more value than single-trip coverage.
  • Review Deductibles: Higher deductibles can lower your premium, but be prepared to pay more in case of a claim.
  • Utilize Membership Discounts: Check if your memberships or affiliations offer discounted coverage options.

While finding the cheapest travel insurance Canada plan or to other regions may seem like a daunting process, we've got you covered. You can simply use our free comparator below to compare plans, and coverage, check on discounts, and get free quotes in no time.

When should I buy travel insurance?

Travel insurance can be purchased anytime between booking and departure, but we recommend buying a plan at the same time that you book your trip.

Booking as soon as possible ensures greater protection. The ideal time to purchase is right after making your initial trip payment, typically within 10-21 days. Buying it early allows you to access coverage for pre-existing medical conditions and other benefits . You can often obtain last-minute insurance up to the day before departure, but some coverages may be limited.

But when is it too late to buy travel insurance? Once you've begun your trip or used any part of it, you generally cannot purchase coverage for trip cancellations or interruptions. However, annual multi-trip policies can be purchased at any time, with coverage beginning from the policy's start date.

What are the best travel insurance plans in 2024?

Please note that the specific coverage, terms, and pricing may vary based on individual circumstances and plan options. It's essential to review the policies in detail and obtain personalized quotes to make an informed decision for your needs. You can do that using our comparator below. Compare multiple plans and get free quotes in no time right here.

Other popular companies include the following :

You can find more on these options by clicking on them:

  • AMA travel insurance
  • CIBC travel insurance
  • Costco travel insurance Canada
  • BMO travel insurance (also includes BMO World Elite Mastercard travel insurance)
  • Medipac travel insurance
  • Medoc travel insurance
  • World nomads travel insurance
  • Scotiabank travel insurance

What are the FAQs on travel insurance Canada plans?

How does credit card travel insurance work.

Travel coverage is a benefit on many credit cards. It is worth checking what your card includes before purchasing a separate policy. You may already have sufficient coverage.

Credit cards with travel insurance usually only cover expenses purchased on that card. Buy your plane tickets on one card, but the hotel on another? The first company will not reimburse you for a hotel issue. Additionally, terms and exclusions may be more restrictive than a standalone plane. Credit card travel insurance is a wonderful benefit, but weigh whether its coverage is sufficient for you and your trip.

The best travel insurance credit cards have offerings like this:

Does travel insurance cover COVID-19?

Many plans now specifically cover COVID-19 cancellation and medical expenses or offer stand-alone COVID travel insurance. They may reimburse costs incurred from a mandatory quarantine, COVID-19 medical expenses, and trip interruption and cancellation . Some specific COVID plans only cover COVID-19 expenses and do not automatically include coverage for other medical needs.

It is worth verifying details carefully before deciding on a Covid-19 travel insurance policy. Covid-19 coverage and news change frequently, so check with your service providers for the latest information.

There are a few important points to consider:

  • Coverage may be explicitly excluded in your policy if the destination countries or regions are under an “avoid non-essential travel” or “avoid all travel” advisory at the time of purchase.
  • Your Covid-19 vaccination status may affect your coverage. If you are unvaccinated by choice, your insurer may declare your claims ineligible.

Do I need private health care coverage when traveling outside Canada?

Yes, we always recommend travel medical insurance when traveling abroad. Healthcare prices and standards can be very different while traveling. Some public provincial plans offer some coverage, but it may be insufficient. Your provincial plan covers may only pay what the cost would be back at home, not the actual price at your destination. Even then, you likely have to pay out-of-pocket and request reimbursement later.

In some countries, healthcare facilities may request treatment upfront. They may refuse treatment if you are unable to pay. This alone makes emergency medical insurance extremely valuable.

Do I need travel insurance to USA from Canada?

Getting a private travel protection plan is highly recommended when traveling from Canada to the USA, as it provides essential medical coverage. Medical expenses in the USA can be exorbitant, and without insurance, a simple hospital visit can lead to substantial bills, potentially running into thousands of dollars.

For example, a basic emergency room visit for minor treatment might cost around $1,000 to $2,000 , while more serious medical procedures or surgeries can lead to bills that range from $10,000 to tens of thousands of dollars, or even more for complex surgeries or prolonged hospital stays.

Do I need travel insurance within Canada?

We recommend getting medical travel insurance Canada plans while traveling within the country. Specific plans are available for domestic travelers. While Canadian citizens and residents are guaranteed basic emergency care by the Canada Health Act, this does not include prescription drugs and ambulance services. Your OHIP coverage from Ontario will not cover you for a private hospital, laboratory, or paramedic services while visiting British Columbia.

Additionally, payment for medical services may be required upfront, leaving you responsible for seeking reimbursement from your home province upon your return. Canadian residents traveling within Canada may qualify for a discount on their medical travel insurance.

When traveling outside of your province or territory without adequate coverage, you assume risk. Note that you may already have sufficient coverage if you have a supplemental individual or group private health insurance policy.

Want to protect yourself while traveling in Canada? Compare the best travel insurance medical plans anonymously today using our comparator at the top of this page.

What does travel insurance for snowbirds cover?

Travel medical insurance for snowbirds commonly covers the following medical expenses:

  • Medical treatments
  • Prescription medications
  • Paramedics and ambulance rides
  • Repatriation to Canada
  • Emergency dental care

Snowbird insurance policies do not usually cover elective treatments. Those should wait until you have returned to Canada.

But who are Snowbirds? Snowbirds are people who travel to warmer climates during the cold Canadian winter. They are usually retirees. Therefore, getting adequate protection for their travels is particularly important for these groups. Many of them go to warm parts of the United States, the country with the world’s highest medical care costs.

Snowbirds may be more at risk for a medical emergency while away due to the length of their trips and underlying health conditions.

To learn more, see our guide to snowbird travel insurance.

How do I buy travel insurance online?

The easiest way to purchase a travel plan is by using an online comparison tool like ours. See rates and coverage options quickly without giving up personal data. Alternatively, you may purchase it through an agent, a broker, your private individual or group health insurer, or a travel credit card.

How much travel insurance do I need?

The amount of coverage you need depends on various factors, including the destination, duration, and activities of your trip. As a general guideline, consider coverage for emergency medical expenses, trip cancellations, and lost baggage.

Aim for a coverage amount that provides financial protection for potential unexpected costs while keeping your budget and specific travel plans in mind. It's essential to balance adequate protection with affordability.

What is the best travel insurance for cancer patients?

The best protection plan for cancer patients depends on individual circumstances, including the stage of cancer and current health. It's advisable to look for insurance providers that specialize in covering pre-existing medical conditions, offer comprehensive coverage, and have experience handling cancer-related claims.

Companies like Allianz and IMG Global among others often provide options for travelers with pre-existing conditions, including cancer*. However, it's essential for cancer patients to compare policies, disclose their medical history accurately, and consider consulting their healthcare providers when selecting the most suitable coverage.

Does travel insurance cover cruises?

Yes, travel coverage plans frequently cover cruises. When shopping for a plan, be sure to verify that yours offers cruise coverage. To give an example, RBC offers two popular examples, their Deluxe and TravelCare (for seniors) packages.

They cover:

  • Cruise cancellation or interruption due to mechanical failure or weather
  • Catch-up costs for a missed departure due to a canceled flight
  • Unused shore excursion tickets (due to illness or injury)
  • Last-minute cancellations due to a covered reason
  • Lost luggage, passports, and medications
  • Eligible emergency medical expenses
  • 24-hour worldwide emergency medical and travel assistance
  • Repatriation costs

See our guides on travel insurance in Canada:

  • Is soNomad insurance best for you? Review 2024
  • Is Red Cross Travel Insurance Good in 2024?
  • Best Travel Insurance South Africa Plans 2024
  • Expat Travel Insurance: A Complete Guide (2024)
  • What is the best Travel Insurance Hong Kong for 2024?
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  • Best Travel Insurance Dubai Plans for Canadians (2024)
  • What is the best group travel insurance in 2024?
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  • Travel Insurance UK: Complete Guide (2024)
  • Annual Travel Insurance Canada: Full Guide 2024
  • Travel Insurance for Schengen Visa: 2024 Guide
  • How does Multi Trip Travel Insurance work? Full guide 2024
  • How does student travel insurance work? A full guide 2024
  • Is CoverMe Travel Insurance worth it? Review 2024
  • Is Air Canada travel insurance worth it? 2024 Review
  • Is Cooperators Travel Insurance worth it? Review 2024
  • How to get the best European travel insurance in 2024?
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  • Is Canada Life Travel Insurance worth it? Review 2024
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  • Is Blue Cross Travel Insurance in Canada worth it? 2024 Review
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Alexandre Desoutter has been working as editor-in-chief and head of press relations at HelloSafe since June 2020. A graduate of Sciences Po Grenoble, he worked as a journalist for several years in French media, and continues to collaborate as a as a contributor to several publications.

This message is a response to . Cancel

I have had BCAA travel insurance in the past and nothing has changed regarding my medical needs. Am I able to apply for insurance without having to go through all the questions again?

author-profile-picture

Hi Marylou, Thank you for reaching out to us. You should be able to renew your policy without having to go through the whole process again. Here is a link to help you with the same. https://www.bcaa.com/Apps/Travel/FullTravelMedical/Renewal Please feel free to reach out to us if you have any further doubts. Thank you!

I am wanting a quote for travel/medical insurance

Hi Patricia, You can use the comparator tool at the top of the page to find the perfect insurance policy for you. You can then contact the company of your choice directly to get a quote.

Have a nice day, The HelloSafe team

If we go to Portugal for one week and France for another, do we buy separate insurance?

Hi Julie, It depends. Some insurances contracts cover any trips in a given period, while others are meant to cover a specific destination. You can use the comparison tool at the top of the page to find the perfect contract for you and ask for a quote.

Hello, how are you? Does travel insuance covering breast biospys overseas?

Hi Nour, Each travel insurance covers different medical services. Please contact the insurer of your choice for more detail about a potential contract.

Does anybody ever answer the phone at caa Ins. Tried several times and waited half hr or more with no response. I am member but find this very irritating.

Hi Brian, We are not related to CAA Insurance and therefore we cannot help you.

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Enjoy the confidence and peace of mind with Blue Cross when exploring Canada or around the world

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Out-of-province emergency medical expenses are not generally covered by your provincial medical plan and these expenses can be financially overwhelming.

For millions of Canadians, comprehensive emergency travel coverage offered by Blue Cross has become an essential part of their holiday plans.

As a recognized symbol of health care globally, being trusted, professional and familiar is what you need in your coverage provider when travelling out of province.

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Let Blue Cross travel coverage take care of any unexpected medical emergency costs so you can make the most of your trip.

Whether you travel frequently during the year, take regular sun destination trips or do only occasional short trips, there is a plan that’s right for you.

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Canadians are Reducing Stress

After several years of missing out on travel, Canadians are looking forward to travelling again, according to a new study from Blue Cross.  The 2023 Blue Cross Travel Study reveals nine in 10 Canadians want to take a vacation this year and are taking steps to achieve greater peace of mind and reduce their stress while on a trip.

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We understand making the right choice for your benefits and coverage is important.

We’re here to help!

Please click below to be redirected to your local Blue Cross for more specifics, including local contact information.

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You’ve packed your bags, mapped your itinerary, and set your “out of office” message – it’s vacation time! But what about travel insurance?

According to a 2019 study by the Travel Health Insurance Association of Canada, 13% of Canadians aren’t sure if they have travel insurance before they go on vacation. Of those who have bought insurance, 17% don’t know what their policy covers.

As a professional travel writer, I find this rather alarming. Canadian health insurance is not valid outside Canada, and your provincial or territorial health plan may not cover all the costs even if you’re travelling domestically. If you suffer an accident or get sick abroad, unexpected medical bills can bankrupt you. It’s why the Canadian government  advises all travellers to buy travel insurance , and I never leave the country without it. Whether you’re taking a two-week trip or a gap year abroad, every one needs the best travel insurance in Canada, regardless of age, health status, destination, or length of vacation.

World Nomads: Best for thrill seekers

Designed for adrenaline lovers with wanderlust, World Nomads insures a long list of adventure sports, activities and volunteer/work experiences, as well as sporting equipment delay/loss/theft. You also get access to a 24/7 hotline that provides information that adventure travellers may need: weather reports and travel advisories, assistance locating the nearest trail, and finding a gear shop.

World Nomads

The standard policy covers emergency medical expenses up to $5 million, emergency dental, trip cancellation/interruption/delay, baggage delays/theft/damage, and more. The downside: you must be under 66 years of age to qualify.

CAA Travel Insurance: Best for families

A long-trusted Canadian institution, CAA travel Insurance offers flexible travel plans to suit every type of traveller and vacation, but their policies are particularly great for families. Their stand-alone emergency medical policy of up to $5 million in health coverage is extremely comprehensive, even including medical repatriation, emergency dental, and reimbursements for pet care and kenneling.

CAA

The Vacation Package Plan provides full cancellation/interruption insurance – ideal for prepaid, all-inclusive vacation packages – as well as family transportation and escort of children during emergencies. Anyone can buy CAA travel insurance, but members get a 10% discount.

CAA’s emergency medical plans also now include coverage for COVID-19-related illnesses for vaccinated customers. Coverage is up to $2.5 million if partially vaccinated and up to $5 million if fully vaccinated.

Blue Cross: Best for seniors and retirees

Blue Cross has been around for more than 70 years, and 1 in 4 Canadians utilize its travel insurance. Blue Cross’s emergency medical covers up to $5 million. It has special “snowbird” travel insurance packages designed for Canadians who head to warmer climates each year, making Blue Cross ideal for retirees.

Blue Cross

Part of the package is the recently launched Serenity Service. This free perk provides a range of benefits if your flight is delayed, including access to an airport lounge or even a hotel room (depending on the length of the delay). Pre-existing conditions are generally not covered.

Travel CUTS Bon Voyage Insurance: Best for budget travellers

Starting at only $1.36 a day, Travel CUTS Bon Voyage Insurance offers very affordable travel insurance packages, and it’s personally been my “go-to” travel policy for years. Yes, it’s geared toward students (e.g., you can swap your travel dates at no charge due to an exam schedule conflict), but anyone between 15 and 50 years of age can purchase a policy.

Travel CUTS

The standard package includes hospital and medical up to $1 million, dental care, air ambulance evacuation, flight accident, accidental death or dismemberment, and trip interruption/cancellation insurance. Adventure and extreme sports are also covered.

Manulife CoverMe: Best for Canadians with pre-existing medical conditions

Manulife CoverMe offers highly comprehensive Canadian travel insurance packages for those travelling as a family, a visitor to Canada, or a student. You also get access to the TravelAid mobile app, which provides directions to the nearest medical facility and local emergency telephone numbers.

<a href="https://www.coverme.com/travel-insurance.html?province=ON&agecode=0" target="_blank">Manulife CoverMe</a>

However, the stand-out feature is arguably TravelEase – a special policy designed to cover fully disclosed medical conditions. For travellers with pre-existing conditions, it insures a bunch of expenses for health services and transportation. It provides up to $10 million in emergency medical benefits – a unicorn in the travel insurance world.

Medipac Travel Insurance: Best for emergency medical assistance

Medipac is one of the only travel insurance companies out there that is staffed by their own team of trained medical professionals, via their Medipac Assistance hotline. Medipac’s medical professionals are your first point of contact in an emergency medical situation. This service is also helpful for dealing with foreign medical systems and helping to prevent unnecessary expenses when dealing with a large deductible.

Medipac Travel Insurance

Medipac offers several competitive features for their travel insurance plans, including no age limits, a claim-free discount, and a 90-day stability period for most pre-existing conditions. If your pre-existing medical condition isn’t covered by a standard Medipac insurance plan, Medipac also offers personalized, underwritten insurance policies to help you meet your needs.

Medipac is offering a 5% Vaccine Discount to clients who have received a minimum of one dose of a COVID-19 vaccine, as well as the new MedipacMAX option. This COVID insurance option provides maximum coverage of up to $5 million USD for COVID-19, in addition to its other benefits.

Allianz Travel Insurance: Best for frequent travellers

Touted as a world leader in the Canadian travel insurance and assistance industry, Allianz Travel Insurance is a major provider of travel insurance, corporate assistance, and concierge services. It seeks to help its customers find solutions to various travel-related problems. Allianz Travel has partnered with many reputable companies, including travel agencies, airlines, resorts, websites, event ticket brokers, corporations, universities, and credit card companies.

<a href="https://www.allianztravelinsurance.com/" target="_blank">Allianz Travel Insurance</a>

Allianz Travel Insurance is a great choice for anyone looking for travel insurance. Its single-trip plans are perfect for those leaving home and visiting another destination (or destinations) before going back home. Its parent company, Allianz Global Assistance, has five plans to choose from, all offering different levels of protection and coverage.

Allianz Travel Insurance’s annual/multi-trip plans are perfect for both personal and professional travelers who take multiple trips in a year. It offers four distinct options to choose from.

Will my provincial insurance be valid overseas?

No! If you get sick or injured overseas, the Canadian government will not cough up a dime to cover your medical costs. Here are the sobering facts:

  • Canadian public health insurance is not valid outside of Canada.
  • Foreign hospitals can be extremely expensive and may demand payment before treating you.
  • The Canadian government will not pay a Canadian’s medical bills for an illness or accident suffered abroad. You’re on the hook for footing the bill!

Will my provincial insurance work in another province/territory?

Flash your valid provincial health card in another part of Canada, and you’ll likely be covered for some of the same services insured by your home provincial plan. This is because the provinces and territories (except Quebec) signed an agreement whereby the host province foots the bill for any medically necessary health care services and gets reimbursed by the home province later.

However, that doesn’t mean you’re completely out of the woods. Depending on your destination, a slew of other services may not be covered, such as an ambulance, hospital transfer, prescription drugs, transportation back to your home province, and procedures not currently approved by your home plan.

Plus, since Quebec wasn’t a signatory to the interprovincial billing agreement, you’ll likely be charged for any medical bills incurred there. For this reason, it’s recommended that you buy extra travel insurance (or verify your  credit card’s travel insurance coverage ) to cover any uninsured health care services that may crop up during your trip.

What does the best travel insurance in Canada cover?

Every travel insurance policy is different and what’s covered depends on how much you’re willing to pay for coverage. Typical medical services that you can expect to be covered include:

  • Emergency hospital and medical costs
  • Ambulance and air ambulance costs
  • Outpatient services
  • Physician and laboratory costs
  • Prescription drugs
  • Direct payment to the hospitals and doctors caring for you
  • Assistance with bringing a family member to your bedside
  • Air ambulance or commercial repatriation home
  • Return of your vehicle if you are ill and have to come home

Additional benefits may include:

  • Trip cancellation for non-refundable monetary losses
  • Trip interruption
  • Baggage loss, rental car damage, out-of-pocket expenses
  • Accidental death and dismemberment

How much coverage do I need?

Securing a policy with a minimum of $1M maximum payable is a safe bet. But don’t just look at the numbers when choosing a policy – read the fine print. Every insurer has a list of situations in which coverage is not provided, otherwise known as “exclusions.” Check whether your provider includes coverage or has provisions for the following:

  • Pre-existing medical conditions: According to the International Association for Medical Assistance to Travelers, a pre-existing condition is “something that happened (or started to happen) before you were insured.” Some policies may cover claims relating to pre-existing conditions that are “stable and controlled,” but read the definitions carefully. If you don’t declare a condition, the entire policy could be invalidated!
  • Medical evacuation: Ensure the policy covers medical evacuation to the nearest hospital and/or to Canada and the costs of a medical escort to accompany you to your final destination.
  • Repatriation in case of death: On the grim side, ensure that your plan covers the preparation and return of your remains to Canada.
  • Adventurous Activities: If you plan on engaging in “high-risk” activities on your trip, you may need to shell out extra dough for a more comprehensive plan. Many policies don’t cover “risky” activities, such as skiing or snowboarding “out of bounds,” skydiving, scuba diving, white-water rafting, mountaineering, or participation in any rodeo activity. To cover your bases, ask questions and get specifics before purchasing a policy.

You may have to pay more to have these things included, but a few extra bucks may be worth it for peace of mind.

Should I buy “a la carte” travel insurance or get a travel credit card with free insurance?

A credit card with travel insurance is always a good thing to carry in your wallet. The  best travel credit cards in Canada  usually cover everything from emergency medical costs to trip cancellation/interruption to flight delay to rental car insurance, which could save you a wad of cash.

The  Scotiabank Gold American Express ® Card  has saved my butt a few times, and I’ve filed several travel-related claims through my card. I cancelled my trip to Portugal a few years ago due to a death in the family, and I got a full refund on my hotel deposit and flights for myself, my husband, and my baby. It totally justified the $120 annual fee.

That being said, don’t rely on your credit card to take care of all your travel insurance needs. It usually includes a basic policy, meaning it offers low (or no!) travel medical insurance as part of the package. Like any travel insurance company policy, you’ve really got to read the fine print and understand the conditions of your policy to avoid sticky situations.

For instance, the Scotiabank Gold American Express ® Card requires a cardholder to have charged at least 75% of trip expenses to make a trip cancellation/interruption insurance claim. So if you book an all-inclusive vacation for $5,000 and then cancel due to illness, at least $3,750 must have been charged onto your AMEX to qualify for a claim. If you didn’t do that, you’re out of luck.

Can I still purchase insurance if i’ve already started my vacation?

The short answer: most insurance providers won’t cover you after your departure date. However, a handful of insurers (such as World Nomads) will allow you to purchase a policy while already overseas. Just know that it can come with sky-high costs and/or conditions: World Nomads has a 48-hour waiting period before coverage kicks in. The bottom line? It’s always best to buy travel insurance before leaving the country.

Can I get travel insurance for part of a trip?

Some plans offer insurance coverage options that will allow you to customize your coverage, but you’ll have to research to find one that works for your unique circumstances. Alternatively, you could take out an insurance policy for each destination and/or segment of your trip.

For instance, you could get a World Nomads policy for the two weeks you’re scuba diving in Australia, followed by a basic Travel CUTS Bon Voyage insurance to cover a month-long trip to Europe. However, when you buy Canadian travel insurance, you must select a trip start and end date – meaning you must know the exact dates for travelling to those places.

Should I carry a printout of my policy with me at all times?

I recommend carrying the travel insurance card in your wallet and locking it up in the hotel safe with other important travel documents like my passport. But don’t rely totally on paper: Wallets get lost or stolen, luggage can be delayed or M.I.A., and papers are easy to misplace when you’re on the road. My advice is to send a copy of the policy to your email and save it on your iCloud or another storage system that can be accessed anywhere, anytime.

Recommended reads

  • What’s the Added Value of a Credit Card with Travel Insurance?
  • The Best Travel Rewards Programs in Canada
  • Aeroplan vs. AIR MILES vs. Avion

About our author

Lisa Jackson

Lisa Jackson is a freelance personal finance and travel journalist, editor, and blogger who contributes to various online and print media outlets in Canada and abroad, including The Globe & Mail, Toronto Star, Islands Magazine, Fodors, BRIDES, Huffington Post Canada, CAA Magazine, The Food Network, West Jet Magazine, NUVO Magazine, and many others. When she's not writing from her home office, she's busy globe-trotting to new destinations in search of her next story.

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Best Travel Insurance Canada: Protect Your Trip with Comprehensive Coverage

Georgia Straight Team

December 18, 2023

Best Travel Insurance Canada

Travel insurance is becoming increasingly popular, especially after the Covid-19 pandemic. Many Canadian travelers experienced the disruption and financial loss caused by the pandemic and understand the importance of travel insurance.

According to the Canadian Life & Health Insurance Association, the Canadian travel insurance industry paid out $950 million in claims in 2020 due to trip cancellations caused by the pandemic. Insured travelers were reimbursed for their lost flights, cancelled hotel rooms, and missed reservations, while those without travel insurance lost thousands of dollars.

To help travelers choose the best insurance plan for their needs, this guide compares the top travel insurance plans for 2023. The comparison includes coverage options, costs, and post-Covid-19 protection. By comparing these plans, travelers can make informed decisions and enjoy their trips with peace of mind.

What is Travel Insurance?

Travel insurance is a type of insurance policy that safeguards your investment in a trip. It provides coverage for financial losses incurred due to a cancelled or interrupted trip, emergency medical care during travel, emergency evacuation, damage to a rental car, lost luggage, and more. Medical care coverage is particularly important in Canada, where out-of-province care is more expensive and offers less coverage than in the patient’s home province.

Travel insurance can be purchased as an individual policy or added on to a travel purchase, such as a flight. Some credit cards also offer travel insurance as a benefit when used to make a travel purchase.

What Does Travel Insurance Cover?

The coverage provided by travel insurance varies depending on the insurer and the level of coverage selected. However, most travel insurance policies typically cover the following:

  • Emergency medical care: This covers the cost of medical treatment in case of an accident or illness during the trip.
  • Trip cancellation: This covers the cost of the trip if it is cancelled due to unforeseen circumstances such as illness, injury, or death.
  • Trip interruption: This covers the cost of the trip if it is interrupted due to unforeseen circumstances such as illness, injury, or death.
  • Lost or damaged baggage: This covers the cost of replacing or repairing lost or damaged baggage.

When selecting a travel insurance plan, it is important to consider the specific needs of the trip. For example, a basic plan covering just flight cancellation may suffice if the traveler already has supplemental individual medical coverage and is traveling within Canada. However, a comprehensive plan with emergency medical care and evacuation coverage may be necessary for a ski trip to the French Alps.

Manulife’s CoverMe is one of the most popular travel insurance providers in Canada. Their Single Trip All-inclusive plan offers comprehensive coverage, similar to other comprehensive travel insurance plans. When selecting coverage, it is important to evaluate the level of risk, the availability of healthcare in the destination, and the affordability of a cancelled trip.

What Are the Different Types of Travel Insurance?

Travel insurance is a must-have for any traveler. It protects you from unexpected events that can ruin your trip. There are several types of travel insurance available, each with its own unique benefits. Here are the most common ones:

  • Baggage insurance – This type of insurance covers you if your luggage is lost or delayed. It provides you with some spending money to purchase essentials or replaces your lost items.
  • Emergency medical insurance – This essential type of travel insurance covers you in case you get injured or sick while away. It ensures that you receive the medical attention you need without worrying about the cost.
  • Trip cancellation – If you need to cancel your trip due to an emergency back home, this coverage will reimburse you for the nonrefundable travel expenses.
  • Trip interruption – If you miss a connection flight or need to return home early, this insurance will cover you during your trip.
  • All-inclusive policies – These policies include all of the above insurance types. They provide comprehensive coverage, making them ideal for those who want to be prepared for anything.

When purchasing travel insurance, consider how much you will be traveling in the year. Single-trip and annual coverage options exist. Annual plans may save you money if you intend to travel two or more times per year.

How much does travel insurance cost?

The cost of travel insurance varies depending on several factors such as age, destination, length of trip, and desired coverage. For instance, a 30-year-old single traveler could pay as little as $26 for a week with a basic plan, while a comprehensive plan could cost up to $125. It is advisable to opt for plans that include emergency medical coverage. To find the best policy for you, it is recommended to use a comparison tool to get personalized travel insurance quotes.

When to Consider Buying Travel Insurance

It is recommended to purchase travel insurance at the same time you book your trip to ensure greater protection. Waiting until later may put your investment at risk if something happens between booking and purchasing insurance. Keep in mind that once a problem arises, it is too late to buy insurance. Therefore, it is best to buy travel insurance as soon as possible to avoid losing your investment.

How Credit Card Travel Insurance Works

Credit card travel insurance is a benefit that comes with many credit cards. Before purchasing a separate policy, it is worth checking what your card includes, as you may already have sufficient coverage. However, keep in mind that you are typically only covered for expenses purchased on that credit card. If you buy your plane tickets on one card and your hotel on another, the first company will not reimburse you for a hotel issue. Additionally, terms and exclusions may be more restrictive than a standalone policy. The best travel credit cards offer comprehensive coverage, including trip cancellation, trip interruption, emergency medical coverage, and more.

Does Travel Insurance Cover COVID-19?

Many travel insurance plans now offer coverage for Covid-19-related expenses, including cancellation and medical expenses. Some plans even offer stand-alone Covid-19 travel insurance. However, it is important to carefully verify the details of the policy before purchasing, as coverage may be explicitly excluded if the destination country or region is under an “avoid non-essential travel” or “avoid all travel” advisory at the time of purchase. Additionally, Covid-19 vaccination status may affect coverage, as insurers may declare claims ineligible for those who are unvaccinated by choice.

It is also important to note that specific Covid-19 plans may only cover Covid-19-related expenses and not automatically include coverage for other medical needs. As Covid-19 coverage and news change frequently, it is recommended to check with service providers for the latest information.

Below is a summary of what travel insurance may cover for Covid-19-related expenses:

  • Reimbursement for costs incurred from mandatory quarantine
  • Coverage for Covid-19-related medical expenses
  • Trip interruption and cancellation coverage

Overall, it is advisable to carefully review the policy details and consult with service providers to ensure adequate coverage for Covid-19-related expenses.

Do I need private health care coverage when travelling outside Canada?

When travelling abroad, it is always recommended to have travel medical insurance. Healthcare prices and standards can vary significantly, and some public provincial plans may offer insufficient coverage. Even if your provincial plan covers some expenses, it may only pay what the cost would be back at home, not the actual price at your destination. In some cases, you may have to pay out-of-pocket and request reimbursement later.

In countries like the United States, treatment can be exceedingly expensive, with an average overnight stay in a hospital costing around $14,000 CAD. Private health care coverage can help cover these costs and prevent financial strain.

Moreover, in some countries, healthcare facilities may request payment upfront and refuse treatment if you are unable to pay. This makes emergency medical insurance extremely valuable, as it can ensure that you receive the necessary treatment in case of an emergency.

Do I Need Travel Insurance Within Canada?

While the Canada Health Act guarantees basic emergency care to Canadian citizens and residents, it does not cover prescription drugs and ambulance services. Therefore, it is recommended to have medical travel insurance while travelling within Canada.

It is important to note that OHIP coverage from Ontario will not cover private hospital, laboratory, or paramedic services while visiting British Columbia. In addition, payment for medical services may be required upfront, leaving the traveller responsible for seeking reimbursement from their home province upon their return.

Canadian residents travelling within Canada may qualify for a discount on their medical travel insurance. One popular insurer offers a 50% discount compared to their abroad plans.

Travellers who do not have adequate travel insurance while travelling outside of their province or territory assume the risk of paying out-of-pocket for medical expenses. It is recommended to compare the best travel insurance medical plans anonymously to protect oneself while travelling in Canada.

It is important to check if one already has sufficient coverage through a supplemental individual or group private health insurance policy.

What is the Best Travel Insurance for Visitors to Canada?

When it comes to choosing the best travel insurance plan for visitors to Canada, it is important to consider the individual needs of the traveller. Many leading Canadian insurance companies offer medical travel insurance plans that can be tailored to meet the unique requirements of non-residents in the country for vacation, business, or visiting family.

It is also worth noting that some visitors may already have insurance plans available to them from their home country.

Good to Know

If you are sponsoring a parent or grandparent to visit Canada, it is mandatory to purchase super visa insurance. This insurance is designed to provide medical coverage for a minimum of one year and can be renewed for up to 10 years. It is important to compare different super visa insurance plans to find the best one that suits your needs. Check out our super visa guide for more information and comparisons.

What are the top travel insurance companies?

The best travel insurance company for an individual depends on their specific needs and travel plans. In Canada, popular private health insurance companies that offer travel insurance include 21st Century, Allianz, AMA, BCAA, BMO, CARP, CIBC, Desjardins, GMS, Goose, Johnson (Medoc), Manulife CoverMe, Medipac, RBC, Scotiabank, TD, and World Nomads. It is important to compare coverage and prices to find the best fit for each individual’s travel needs.

What Travel Insurance for Seniors Covers

Travel insurance for seniors provides increased medical coverage and coverage for pre-existing conditions. Leading plans offer emergency medical insurance adapted to the needs of senior travellers. Coverage includes:

  • Increased medical coverage compared to other plans
  • Coverage for stable pre-existing conditions

Note that coverage may vary depending on the specific plan and provider.

What Does Travel Insurance for Snowbirds Cover?

Snowbirds, who are often retirees travelling to warmer climates during the Canadian winter, need to ensure they have appropriate travel medical insurance. Such insurance policies commonly cover medical treatments, prescription medications, paramedics and ambulance rides, repatriation to Canada, and emergency dental care. However, elective treatments are not usually covered by snowbird insurance policies and should wait until the traveller returns to Canada.

It is important to note that snowbirds may be more at risk for a medical emergency while away due to the length of their trips and underlying health conditions. Additionally, many snowbirds travel to warm parts of the United States, which has the world’s highest medical care costs. Therefore, having adequate travel insurance is crucial to avoid potential financial burdens and ensure access to necessary medical care.

How to Purchase Travel Insurance Online

The simplest way to buy travel insurance is by using an online comparison tool. This tool allows you to compare rates and coverage options quickly without revealing personal data. Alternatively, you may purchase travel insurance through a travel agent, an insurance broker, your private individual or group health insurer, or a travel credit card.

Does Travel Insurance Cover Cruises?

Travel insurance plans frequently offer coverage for cruises. When looking for a plan, it is important to ensure that it includes coverage for cruise travel insurance. For instance, RBC offers two popular packages, namely Deluxe and TravelCare (for seniors), which cover a range of scenarios:

  • Cruise cancellation or interruption due to mechanical failure or weather
  • Catch-up costs for a missed departure due to a cancelled flight
  • Unused shore excursion tickets (due to illness or injury)
  • Last-minute cancellations due to a covered reason
  • Lost luggage, passports, and medications
  • Eligible emergency medical expenses
  • 24-hour worldwide emergency medical and travel assistance
  • Repatriation costs

It is crucial to review the policy details to confirm the extent of coverage and any limitations or exclusions.

See Our Guides on Travel Insurance in Canada:

HelloSafe provides comprehensive guides on travel insurance in Canada. These guides aim to help travelers understand the importance of having travel insurance and the different types of coverage available to them. The guides also provide information on how to choose the right travel insurance plan based on their needs and budget.

The guides cover a wide range of topics related to travel insurance, including:

  • The benefits of having travel insurance
  • Types of travel insurance coverage
  • Choosing the right travel insurance plan
  • Travel insurance for seniors
  • Travel insurance for students
  • Travel insurance for families
  • Travel insurance for adventure sports
  • Travel insurance for pre-existing medical conditions

HelloSafe’s travel insurance guides are written by experts in the field who have years of experience in the insurance industry. They provide clear and concise information that is easy to understand, making it easier for travelers to make informed decisions about their travel insurance needs.

In addition to the guides, HelloSafe also offers a comparison tool that allows travelers to compare travel insurance plans from multiple providers. This tool helps travelers find the best travel insurance plan that meets their specific needs and budget.

Overall, HelloSafe’s guides and tools provide travelers with the information they need to make informed decisions about their travel insurance needs.

Frequently Asked Questions

Who is the best travel insurance provider in canada.

There is no one-size-fits-all answer to this question, as the best travel insurance provider in Canada will depend on your specific needs and circumstances. However, some of the top travel insurance providers in Canada include Manulife, Allianz Global Assistance, and Travel Guard.

What are the best options for travel health insurance in Canada?

When it comes to travel health insurance in Canada, some of the best options include Blue Cross, Manulife, and RSA Travel Insurance. These providers offer comprehensive coverage for medical emergencies, including hospitalization, medical evacuation, and repatriation.

What factors should I consider when choosing a travel insurance company?

When choosing a travel insurance company, it is important to consider factors such as coverage options, price, customer service, and reputation. You should also consider the specific needs of your trip, such as the duration, destination, and activities you will be participating in.

Are there any travel insurance companies that specialize in coverage for trips to the United States?

Yes, there are several travel insurance companies that specialize in coverage for trips to the United States. These include Allianz Global Assistance, Blue Cross, and RSA Travel Insurance.

Which travel insurance companies offer the most comprehensive coverage?

Some of the travel insurance companies that offer the most comprehensive coverage include Manulife, Allianz Global Assistance, and Travel Guard. These providers offer a range of coverage options, including emergency medical coverage, trip cancellation and interruption coverage, and baggage loss and delay coverage.

What are the differences between travel insurance plans offered by different companies?

The differences between travel insurance plans offered by different companies can vary widely. Some of the key differences to look for include coverage options, price, deductibles, and exclusions. It is important to carefully review the terms and conditions of each policy to ensure that you are getting the coverage you need at a price you can afford.

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Top Travel Insurances for Canada You Should Know in 2024

Byron Mühlberg, writer at Monito.com

Monito's Managing Editor, Byron has spent several years writing extensively about financial- and migration-related topics.

Links on this page may earn us an affiliate commission. This does not affect the opinions and recommendations of our editors.

Canada is a massive country known for its natural splendour, including the Rocky Mountains, the Northern Lights, and Niagara Falls, as well as its energetic cities like Toronto, Montreal, and Vancouver. Although travelling to Canada can be an accessible holiday destination for many people, out-the-pocket healthcare costs in the country tend to be expensive, so it's a very good idea to arrive there with travel insurance under your belt.

Luckily, online global insurances (known as 'insurtechs') specialize in cost-savvy travel insurance to Canada and other countries worldwide. Our list below explores the four services we believe provide the best deals for young travellers, adventurers, everyday holidaymakers looking for comprehensive but affordable coverage, and longer-term expats.

Canada Insurance Profile

Here are a few of the many factors influencing the scope and cost of travel insurances for Canada:

Best Travel Insurances for Canada

  • 01. Should I get travel insurance for Canada? scroll down
  • 02. Best medical coverage: VisitorsCoverage scroll down
  • 03. Best trip insurance: Insured Nomads scroll down
  • 04. Best mix for youth and digitial nomads: SafetyWing scroll down
  • 05. FAQ about travel insurance to Canada scroll down

Heading to Canada soon? Don't forget to check the following list before you travel:

  • 💳 Eager to dodge high FX fees? See our picks for the best travel cards in 2024.
  • 🛂 Need a visa? Let iVisa take care of it for you.
  • ✈ Looking for flights? Compare on Skyscanner !
  • 💬 Want to learn the local language? Babbel and italki are two excellent apps to think about.
  • 💻 Want a VPN? ExpressVPN is the market leader for anonymous and secure browsing.

Do I Need Travel Insurance for Canada?

No, there's currently no legal requirement to take out travel insurance for travel to or through Canada.

However, regardless of whether or not it's legally required, it's always a good idea to take our health insurance before you travel — whether to Canada or anywhere else. For what's usually an affordable cost , taking out travel insurance will mitigate most or all of the risk of financial damage if you run into any unexpected troubles during your trip abroad. Take a look at the top five reasons to get travel insurance to learn more.

With that said, here are the top three travel insurances for Canada:

VisitorsCoverage: Best Medical Coverage

Among the internet's best-known insurance platforms,  VisitorsCoverage  is a pioneering Silicon Valley insurtech company that offers comprehensive medical coverage for travellers going abroad to Canada. It lets you choose between various plans tailored to meet the specific needs of your trip to Canada, including coverage for medical emergencies, trip cancellations, and travel disruptions. With its easy online purchase process and 24/7 live chat support, VisitorsCoverage is a reliable and convenient option if you want good value and peace of mind while travelling abroad.

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  • Coverage 9.0
  • Quality of Service 9.0
  • Pricing 7.6
  • Credibility 9.5

VisitorsCoverage offers a large variety of policies and depending on your needs and preferences, you'll need to compare and explore their full catalogue of plans for yourself. However, we've chosen a few highlights for their travel insurance for Canada:

  • Policy names: Varies
  • Medical coverage: Very good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, mental health-related conditions, and many others.
  • Trip coverage: Excellent - but only available for US residents.
  • Customer support: FAQ, live chat and phone support
  • Pricing range: USD 25 to USD 150 /traveller /month
  • Insurance underwriter: Lloyd's, Petersen, and others
  • Best for: Value for money and overall medical coverage

Insured Nomads: Best Trip Coverage

Insured Nomads is another very good travel insurance option, especially if you're adventurous or frequently on the go and are looking for solid trip insurance with some coverage for medical incidents too. With Insured Nomads, you can choose the level of protection that best suits your needs and enjoy a wide range of benefits, including 24/7 assistance, coverage for risky activities and adventure sports, and the ability to add or remove coverage as needed. In addition, Insured Nomads has a reputation for providing fast and efficient claims service, making it an excellent choice if you want peace of mind while exploring the world.

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  • Coverage 7.8
  • Quality of Service 8.5
  • Pricing 7.4
  • Credibility 8.8

Insured Nomads offers three travel insurance policies depending on your needs and preferences. We go through them below:

  • Policy names: World Explorer, World Explorer Multi, World Explorer Guardian
  • Medical coverage: Good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, and many others.
  • Trip coverage: Good. Includes coverage for trip cancellation and interruption, lost or stolen luggage (with limits), adventure and sports activities, and many others.
  • Customer support: FAQ, live chat, phone support
  • Pricing range: USD 80 to USD 420 /traveller /month
  • Insurance underwriter: David Shield Insurance Company Ltd.
  • Best for: Adventure seekers wanting comprehensive trip insurance

SafetyWing: Best Combination For Youth

SafetyWing is a good insurance option for younger travellers or digital nomads because it offers flexible but comprehensive coverage at a famously affordable price. With SafetyWing, you can enjoy peace of mind knowing you're covered for unexpected medical expenses, trip cancellations, lost or stolen luggage, and more. In addition, SafetyWing's user-friendly website lets you manage your policy, file a claim, and access 24/7 assistance from anywhere in the world, and, unlike VisitorsCoverage, you can even purchase a policy retroactively (e.g. during a holiday)!

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  • Coverage 7.0
  • Quality of Service 8.0
  • Pricing 6.3
  • Credibility 7.3

SafetyWing offers two travel insurance policies depending on your needs and preferences, which we've highlighted below:

  • Policy names: Nomad Insurance, Remote Health
  • Medical coverage: Decent. Includes coverage for doctor and hospital visits, repatriation, and many others.
  • Trip coverage: Decent. Includes attractive coverage for lost or stolen belongings, adventure and sports activities, transport cancellation, and many others.
  • Pricing range: USD 45 to USD 160 /traveller /month
  • Insurance underwriter: Tokyo Marine HCC
  • Best for: Digital nomads, youth, long-term travellers

How Do They Compare?

Interested to see how VisitorsCoverage, SafetyWing, and Insured Nomads compare as travel insurances to Canada? Take a look at the side-by-side chart below:

Data correct as of 4/1/2024

FAQ About Travel Insurance to Canada

Travel insurance typically covers trip cancellation, trip interruption, lost or stolen luggage, travel delay, and emergency evacuation. Some travel insurance packages also cover medical-related incidents too. However, remember that the exact coverage depends on the insurance policy.

No, you'll not be required to take out travel insurance for Canada. However, we strongly encourage you to do so anyway, because the cost of healthcare in Canada can be high, and taking out travel insurance will mitigate some or all of the risk of covering those costs yourself if you need medical attention during your stay.

Yes, medical travel insurance is almost always worth it, and we recommend taking out travel insurance whenever visiting a foreign country. Taking out travel insurance will mitigate some or all of the risk of covering those costs yourself in case you need medical attention during your stay. In general, we recommend VisitorsCoverage to travellers worldwide because it offers excellent value for money and well-rounded travel and medical benefits in its large catalogue of plans.

Health insurance doesn't cover normal holiday expenses, such as coverage for missed flights and hotels, but in case you run into medical trouble while abroad, it may cover some or all of your doctor or hospital expenses while overseas. However, not all health insurance providers and plans offer coverage to customers while abroad, and that's why it's generally best to take out travel insurance whenever you travel.

Although there's overlap, health and travel insurance are not exactly the same. Health insurance covers some or all of the cost of medical expenses (e.g. emergency treatment, doctor's visits, etc.) while travel insurance covers non-medical costs that are commonly associated with travelling (e.g. coverage for missed flights, stolen or lost personal belongings, etc.).

The cost of travel insurance depends on several factors, such as the length of the trip, the destination, the age of the traveller, and the level of coverage desired. On average, travel insurance can cost anywhere between 3% and 10% of the total cost of the trip.

A single-trip travel insurance policy covers a specific trip, while an annual one covers multiple trips taken within a one-year period. An annual policy may be more cost-effective for frequent travellers.

Yes, you can sometimes purchase travel insurance after starting your trip, but it is best to buy it before the trip begins to ensure maximum coverage. If you do need to buy insurance after you've started your trip, we recommend VisitorsCoverage , which offers a wide catalogue of online trip and medical insurance policies, most of which can be booked with immediate effect. Check out our guide to buying travel insurance late to learn more.

Yes, you can most certainly purchase travel insurance for a trip that has already been booked, although we recommend purchasing insurance as soon as possible aftwerwards to ensure all coverage is in place before your journey begins. Check out our guide to buying travel insurance late to learn more.

See Our Other Travel Insurance Guides

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Do You Really Need Travel Insurance?

How do travel and medical travel insurance work, what factors affect travel insurance rates.

Like other types of insurance, rates will vary by provider and the type of coverage you need. Some factors that play a role in your travel insurance rate are:

  • Where you are traveling to
  • The kinds of activities you will be doing
  • How many people are traveling with you
  • How many past claims you have filed, if any
  • Your desired coverage

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Types of travel insurance, travel medical insurance, trip cancellation insurance, trip interruption insurance, lost baggage insurance, out-of-province travel insurance, what does travel insurance cover.

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Travel Insurance Frequently Asked Questions (FAQ)

Why do i need travel insurance, won’t my provincial health insurance cover me, how do i get a quote, how do i save money on travel insurance, how soon will i get my health insurance quotes, get the lowest rates on all types of insurance.

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Travel Insurance for Canada – Best Insurance & Cost

Home | Travel | North America | Canada | Travel Insurance for Canada – Best Insurance & Cost

Buying Canada travel insurance is not an entry requirement for visiting Canada. However, travel insurance for Canada is still a worthwhile purchase because Canadian healthcare can be expensive without insurance coverage.

Northern lights in Canada, travel insurance for Canada

Travel Insurance for Canada – Best Insurance & Cost

In fact, visitors to Canada are not covered by Canada’s universal healthcare program, which only provides coverage to Canadian citizens and permanent residents. As a bare minimum, make sure you have health insurance to travel to Canada before you go.

After comparing the different Canadian medical travel insurance , Heymondo stands out as the best option for insurance for Canada travel . Their plans offer some of the best COVID-19 travel insurance coverage , and they are the only Canadian travel insurance provider that pays your medical bills directly, so you won’t have to file a claim.

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Keep reading to find out more about travel insurance for Canada coverage and the best travel insurance companies to Canada .

Do I need travel insurance to visit Canada?

As I mentioned before, you won’t be denied entry to Canada if you don’t have Canadian travel insurance , but the Canadian government doesn’t cover visitors’ healthcare, so you will have to pay out of pocket if you need medical treatment and don’t have travel insurance for Canada .

On top of that, Canadian healthcare fees can be expensive. If you do have to pay for medical bills at your own expense, it may cost you quite a bit of money.

Whale-watching in Canada, health insurance to travel to Canada

If you’re an American citizen or resident, you may be wondering if your US health insurance will cover you while you’re in Canada. Unfortunately, American healthcare coverage does not generally extend to Canada; most domestic US health insurance does not cover American citizens or residents if they are outside the US.

Even if you get lucky and your American health insurance covers you while you’re in Canada, you will most likely get only partial or low coverage. Ultimately, if you’re an American citizen or resident, it’s safe to assume that you won’t be able to use your US health insurance in Canada, so make sure you buy Canadian travel insurance or health insurance to travel to Canada .

Even if you’re not American, having travel insurance to visit Canada is still a good idea if you want to avoid paying for healthcare fees at your own expense.

How much is travel insurance to Canada?

Your travel insurance Canada cost will depend on several factors, including your age, your home country/US state, the length of your trip, and the price of your trip. If you’re looking to get the lowest travel insurance Canada price , know that the shorter and less expensive your trip is, the more affordable your Canadian travel insurance will be.

To help you compare travel insurance for Canada prices, I used the example of a 30-year-old American citizen who lives in Pennsylvania and is traveling to Canada for two weeks with a trip cost of $2,500 USD.

*Price used for example.

What is the best travel insurance for Canada?

All of the companies I compared above have excellent Canada travel insurance plans, but as you can see from the chart, the best travel insurance for Canada is Heymondo , which stands out for its high amount of coverage in all categories.

Heymondo is also unique in that it is the only Canadian travel insurance provider to pay travelers’ medical expenses directly for them rather than requiring them to file a claim.

1. Heymondo , the best travel insurance for Canada

The best travel insurance for Canada is most definitely Heymondo . Even if you’re not impressed by the fact that the Heymondo Top plan is the only Canada travel insurance plan where your medical expenses get paid directly without your even having to file a claim, the Top plan also provides the highest amount of coverage for Emergency Medical Expenses, Trip Cancellation, and Baggage Loss.

Heymondo, health insurance to travel to Canada

Beyond that, the Top plan provides a high amount of coverage in all categories while still being affordable, giving it an excellent coverage-to-price ratio. You can even add Electronics or Adventure Sports coverage if you need it.

We have been using Heymondo for the last couples of years and their assistance has been always superb. Right now, we have an annual travel insurance plan, that can be also a good option for you if you’re a frequent traveler.

Best of all, Heymondo offers a 5% discount on their plans to Capture the Atlas readers who use the link below.

2. World Nomads , an affordable insurance for Canada travel

World Nomads is one of the most affordable travel insurance for Canada plans I compared. It’s also the perfect plan if you’re planning an adventurous trip to the Rockies because the Standard plan includes coverage for activities like hiking, ice fishing, and scrambling.

WorldNomads, travel insurance for Canada

World Nomads’ Standard plan provides a good amount of coverage in all medical- and travel-related categories. However, you can get twice as much Emergency Medical Expenses, Evacuation and Repatriation, and Baggage Loss coverage for slightly cheaper from Heymondo, so if you want to get the most value for money from your Canadian travel insurance , Heymondo is a better bet.

3. IMG , the best Canadian travel insurance for seniors

Whether you’re a senior traveler or slightly younger, IMG is an excellent option for travel insurance to Canada . Their iTravelInsured Travel SE plan offers a high amount of Evacuation and Repatriation coverage as well as a good amount of coverage in all other categories.

The iTravelInsured Travel SE plan even includes Cancel for Work Reasons coverage, so you can get reimbursed if you’re forced to cancel your trip for a work-related reason, such as unexpected termination or transfer.

IMG, best travel insurance Canada for seniors

Plus, IMG’s GlobeHopper Senior Single Trip plan is by far the best travel insurance for seniors . This plan is geared toward travelers who are 65+ and offers a choice of deductibles from $0 to $2,500. You can also choose your maximum coverage limit and even extend your plan for up to 12 months, so it’s a very flexible plan for older travelers.

If you’re a traveler who is over the age of 65, IMG’s GlobeHopper Senior Single Trip plan will be the best choice for you, but if you’re a younger traveler who wants better coverage than the iTravelInsured Travel SE plan for a lower price, Heymondo will work best for you.

4. Trawick , the best travel insurance Canada for students

If you’re a student on a budget who still wants to globetrot, Trawick ’s Safe Travels Explorer plan is the ideal choice, since it’s the cheapest insurance for travel to Canada and therefore the best travel insurance Canada for students .

Trawick International, the cheapest insurance for travel to Canada

Keep in mind that because the Safe Travels Explorer plan is so affordable, the coverage it offers is quite basic. The plan provides good Trip Interruption and Trip Cancellation coverage, but its Evacuation and Repatriation and Emergency Medical Expenses coverage are low, so if you want the security of more coverage at a slightly higher price, it might be worth shelling out for Heymondo .

5. WorldTrips , the best travel insurance for visitors to Canada with pre-existing conditions

WorldTrips is another great choice for Canadian travel insurance , especially if you have a pre-existing condition. WorldTrips’ Journey Economy plan is one of the best pre-existing conditions travel insurance policies as long as you purchase that plan within 21 days of your initial trip payment date.

WorldTrips, Canadian travel insurance

The Journey Economy plan provides relatively good Evacuation and Repatriation, Trip Interruption, Trip Cancellation, and Baggage Loss coverage. However, you can get ten times the amount of Emergency Medical Expenses coverage in the Journey Economy plan for a lower price with Heymondo , so if you don’t have a pre-existing condition and want more medical coverage, Heymondo might be best for you.

What should my Canada travel insurance cover?

As I’ve already pointed out, as a bare minimum, your travel insurance to Canada should include health coverage. However, it can also be useful to have travel-related coverage for any travel mishaps that come up.

The best travel insurance for Canada should include coverage for:

  • Emergency Medical Expenses – avoid paying expensive Canadian healthcare fees out of pocket if you break a leg while hiking or come down with a serious case of the flu. With coverage for emergency medical expenses, you won’t have to worry about paying for medical transportation, medical treatment, hospitalization, or prescription medication.
  • Evacuation and Repatriation – you could be hiking in the Rockies and break a leg far from a hospital or contract an illness so severe that you need to return to your home country for treatment. Evacuation and repatriation coverage will be exactly what you need since it covers transportation from remote areas to the nearest hospital or from Canada to your home country if you fall seriously ill.
  • Trip Cancellation/Interruption/Delay – travel doesn’t always go according to plan, but there’s no need to panic if you have to interrupt, cancel, or delay your trip. Trip cancellation, interruption, and delay coverage will reimburse you for any pre-paid travel costs, so you won’t need to lose out on a bunch of money for a trip you don’t take.
  • Baggage Loss – if your luggage goes missing and you lose your favorite clothes, you may not be able to find exact replacements, but with baggage loss coverage, at least you’ll get reimbursed for the value of your clothing and be able to buy something similar.

Is Canada travel insurance worth it?

Ultimately, yes, purchasing travel insurance for Canada is worthwhile because, without it, you won’t have any medical coverage as a visitor. It just takes one illness or sprained ankle for travel health insurance to Canada to pay for itself, especially since Canadian travel insurance can save you a lot of money on medical bills and treatment.

Speaking of saving money on medical bills, remember that the best travel insurance for Canada , Heymondo , is the only Canada travel insurance provider that will pay your medical expenses directly so you don’t have to pay a cent out of your own pocket. You can even save 5% on Heymondo policies just for being our reader.

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The Best Travel Medical Insurance of 2024

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Allianz Travel Insurance »

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Seven Corners »

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GeoBlue »

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WorldTrips »

Why Trust Us

U.S. News evaluates ratings, data and scores of more than 50 travel insurance companies from comparison websites like TravelInsurance.com, Squaremouth and InsureMyTrip, plus renowned credit rating agency AM Best, in addition to reviews and recommendations from top travel industry sources and consumers to determine the Best Travel Medical Insurance Plans.

Table of Contents

  • Allianz Travel Insurance
  • Seven Corners

Buying travel insurance is a smart move for any type of trip, but you may not need a policy that covers everything under the sun. If you don't need coverage for trip cancellations or delays because you're relying on your travel credit card to offer these protections, for example, you may find you only need emergency medical coverage that works away from home.

Still, travel medical coverage varies widely based on included benefits, policy limits and more. If you're comparing travel insurance plans and hoping to find the best option for unexpected medical expenses, read on to learn which policies we recommend.

Frequently Asked Questions

The term travel insurance usually describes a comprehensive travel insurance policy that includes coverage for medical expenses as well as trip cancellations and interruptions, trip delays, lost baggage, and more. Meanwhile, travel medical insurance is coverage that focuses on paying for emergency medical expenses and other related care.

Travelers need international health insurance if they're visiting a place where their own health coverage will not apply. This typically includes all international trips away from home since U.S. health plans limit coverage to care required in the United States.

Note that if you don't have travel health insurance and you become sick or injured abroad, you'll be responsible for paying back any health care costs you incur.

Many travel insurance policies cover emergency medical expenses you incur during a covered trip. However, the included benefits of each policy can vary widely, and so can the policy limits that apply.

If you're looking for a travel insurance policy that offers sufficient protection for unexpected medical expenses, you'll typically want to choose a plan with at least $100,000 in coverage for emergency medical care and at least that much in protection for emergency medical evacuation and transportation.

However, higher limits can provide even more protection from overseas medical bills, which can become pricey depending on the type of care you need. As just one example, Allianz says the average cost of emergency medical evacuation can easily reach up to $200,000 or more depending on where you’re traveling.

Your U.S. health insurance policy almost never covers medical expenses incurred abroad. The same is true for most people on Medicare and especially Medicaid. If you want to ensure you have travel medical coverage that applies overseas, you should purchase a travel insurance plan with adequate limits for every trip. Read the U.S. News article on this topic for more information.

The cost of travel medical insurance can vary depending on the age of the travelers, the type of coverage purchased, the length of the trip and other factors. You can use a comparison site like TravelInsurance.com to explore different travel medical insurance plans and their cost.

  • Allianz Travel Insurance: Best Overall
  • Seven Corners: Best for Families
  • GeoBlue: Best for Expats
  • WorldTrips: Best Cost

Coverage for preexisting conditions is available as an add-on

Easy to purchase as needed for individual trips

Relatively low limits for medical expenses

No coverage for trip cancellations or trip interruption

  • Up to $50,000 in emergency medical coverage
  • Up to $250,000 in emergency medical evacuation coverage
  • Up to $2,000 in coverage for baggage loss and damage
  • Up to $600 in baggage delay insurance
  • Up to $1,000 for travel delays
  • Up to $10,000 in travel accident insurance
  • 24-hour hotline assistance
  • Concierge services

Purchase comprehensive medical coverage worth up to $5 million

Coverage for families with up to 10 people

Low coverage amounts for trip interruption

Medical coverage options vary by age

  • Up to $5 million in comprehensive medical coverage
  • Up to $500,000 in emergency evacuation coverage
  • Up to $10,000 in coverage for incidental trips to home country
  • Up to $25,000 in coverage for terrorist activity
  • Up to $500 in accidental dental emergency coverage
  • Up to $100 per occurrence in coverage for emergency eye exams
  • $50,000 in coverage for local burial or cremation
  • 24/7 travel assistance
  • Up to $25,000 in coverage for accidental death and dismemberment per traveler
  • Up to $500 for loss of checked baggage
  • Up to $5,000 for trip interruptions
  • Up to $100 per day for trip delays
  • Up to $50,000 for personal liability

Qualify for international health insurance with no annual or lifetime caps

Use coverage within the U.S. with select providers

Deductible from $500 to $10,000 can apply

Doesn't come with any nonmedical travel insurance benefits

  • Up to $250,000 in coverage for emergency medical evacuation
  • Up to $25,000 for repatriation of mortal remains
  • $50,000 in coverage for accidental death and dismemberment

High limits for medical insurance and emergency medical evacuation

Covers multiple trips over a period of up to 364 days

Deductible of $250 required for each covered trip

Copays required for medical care received in the U.S.

  • Up to $1,000,000 of maximum coverage
  • Up to $1,000,000 for emergency medical evacuation
  • Up to $10,000 for trip interruptions
  • Up to $1,000 for lost checked luggage
  • Up to $100 per day for travel delays
  • Up to $25,000 in personal liability coverage
  • Medical coverage for eligible expenses related to COVID-19
  • Ability to add coverage for your spouse and/or child(ren)
  • Repatriation of remains coverage up to overall limit
  • Up to $5,000 for local burial or cremation 
  • $10,000 to $50,000 for common carrier accidental death

Why Trust U.S. News Travel

Holly Johnson is an award-winning content creator who has been writing about travel insurance and travel for more than a decade. She has researched travel insurance options for her own vacations and family trips to more than 50 countries around the world and has experience navigating the claims and reimbursement process. In fact, she has successfully filed several travel insurance claims for trip delays and trip cancellations over the years. Johnson also works alongside her husband, Greg, who has been licensed to sell travel insurance in 50 states, in their family media business.

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Travel Insurance

John Hancock travel insurance review 2024

Jennifer Simonson

Mandy Sleight

Mandy Sleight

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Kara McGinley

Kara McGinley

Published 5:00 a.m. UTC Jan. 24, 2024

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John Hancock Insurance Agency

John Hancock Insurance Agency

Top-scoring plan

Covers covid, medical & evacuation limits per person, what you should know.

John Hancock’s Silver travel insurance plan has solid coverage for baggage and personal item loss, baggage delay and travel delay. Silver is John Hancock’s top-scoring plan in our analysis of the best travel insurance plans , but its pricier Gold plan gets the same rating of 3 stars.

  • Silver plan has $1,000 specific items limit for personal item loss.
  • Generous $500 per person baggage delay benefit.
  • “Cancel for any reason” coverage upgrade of 75% available.
  • Lower emergency medical coverage limit than many leading competitors.
  • No option to purchase “interruption for any reason” coverage.
  • No non-medical evacuation coverage.

Why trust our travel insurance experts

Our team of experts evaluates hundreds of insurance products and analyzes thousands of data points to help you find the best product for your situation. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content. You can read more about our  methodology  below.

  • 1,855 coverage details evaluated.
  • 567 rates reviewed.
  • 5 levels of fact-checking.

John Hancock overview

John Hancock travel insurance is underwritten by Starr Insurance, which was founded in 1919. It offers three travel insurance plans: Bronze, Silver and Gold. Its Silver and Gold plans get 3 stars in our rating of the best travel insurance . 

John Hancock travel insurance plans

John Hancock offers three plans with varying levels of travel insurance coverage . Each plan includes: 

  • 24/7 assistance.
  • Airline ticket change fee.
  • Baggage/personal effects coverage. 
  • Emergency medical coverage. 
  • Emergency medical evacuation coverage. 
  • Missed connection coverage.
  • Terror attack coverage. 
  • Trip cancellation coverage.
  • Trip delay coverage.
  • Trip interruption coverage. 

Bronze 

John Hancock’s Bronze plan is the most economically affordable of the three options. This plan includes all the standard coverage benefits:

  • Emergency medical evacuation: $250,000.
  • Emergency medical: $50,000.
  • Trip cancellation: 100% of eligible trip costs.
  • Trip interruption: 125% of eligible trip costs.
  • Optional “cancel for any reason” CFAR coverage: 75% reimbursement for prepaid, nonrefundable payments. Must be purchased within 14 days of your trip deposit. To use this coverage, you must cancel at least two days before your departure date. 

The Bronze plan also includes coverage for delayed and lost baggage, missed connections, travel delay and 24-hour accidental death and dismemberment. This plan includes a pre-existing conditions waiver if purchased within 14 days of your first trip deposit and 100% of your trip costs are insured. Pre-existing conditions are typically not covered by travel insurance. 

Silver 

The John Hancock Silver travel insurance plan scores 3 out of 5 stars in our review of the best travel insurance companies . 

  • Emergency medical evacuation: $500,000. 
  • Emergency medical: $100,000.
  • Trip interruption: 150% of eligible trip costs.

The Silver plan includes more coverage than the Bronze plan for missed connections, travel delay, lost and delayed baggage and 24-hour accidental death and dismemberment. 

Like the Bronze plan, the Silver plan includes a pre-existing conditions waiver if purchased within 14 days of your first trip deposit and 100% of your trip costs are insured. 

The John Hancock Gold plan also scores 3 out of 5 stars in our analysis of the best travel insurance companies. 

  • Emergency medical evacuation: $1 million.
  • Emergency medical: $250,000. 
  • Trip cancellation: 100% of eligible trip costs. 
  • Trip interruption: 150% of eligible trip costs. 
  • Optional “cancel for any reason” CFAR coverage: 75% reimbursement for prepaid, nonrefundable payments. Must be purchased within 14 days of your trip deposit. To use this coverage, you must cancel at least days before your departure date.

Of the three plans offered by John Hancock travel insurance, the Gold plan offers the highest coverage limits for travel delay, missed connections and baggage loss. It also offers baggage delay and 24-hour accidental death and dismemberment coverage.

Additional travel coverages

John Hancock offers three add-on coverage options to further customize your insurance plan. For an additional cost, these add-ons can be purchased at the time you purchased your policy. 

“Cancel-for-any-reason” (CFAR) coverage

The Bronze, Silver and Gold plans all offer the option to upgrade to “cancel for any reason” (CFAR) coverage . CFAR coverage reimburses 75% of nonrefundable payments or deposits even if the trip is canceled for a reason that is not listed in your policy. 

A CFAR upgrade is only available if you buy it within 14 days of your first trip deposit. To use this coverage, you need to cancel your trip at least 48 hours before your scheduled departure date. 

Accidental death and dismemberment coverage

Each of John Hancock’s travel insurance plans include coverage for accidental death and dismemberment (AD&D). The Bronze plan includes $25,000 per person, while the Silver and Gold plans increase coverage to $100,000 per person. Each plan offers the option to include coverage for flight only AD&D, which pays an additional benefit for loss of limb or life when you’re a passenger on a common carrier aircraft.

Rental car damage coverage

Rental car damage is add-on coverage that will reimburse up to the vehicle’s actual cash value (ACV), the cost of repairs or the benefit outlined in your policy details if it’s damaged in a collision or stolen while in your possession. Covered losses include fire, flood, hail or windstorm damage.

What John Hancock travel insurance doesn't cover

Like all travel insurance companies, John Hancock does not cover every incident that could occur before or during your trip. 

For instance, exclusions to emergency medical coverage for the John Hancock Gold plan include:

  • Cosmetic surgery (except as the result of accidental injury).
  • Dental treatment (unless as a result of accidental injury).
  • Injuries due to activities such as contact sports, hang gliding, skydiving, mountaineering, horse racing, car and motorcycle racing, parachuting, scuba diving (unless accompanied by a dive master at a depth of 100 feet or less), spelunking and bungee jumping.
  • Injuries resulting from being intoxicated above the legal limit or under the influence of drugs or narcotics (unless prescribed by a physician and taken in accordance with your physician’s instructions).
  • Mental or emotional disorders.
  • Non-emergency treatments or surgeries including routine physical exams, hearing aids, eyeglasses or contact lenses.
  • Piloting or learning to pilot an aircraft.
  • Suicide or attempted suicide.

Each John Hancock’s travel insurance plan has limitations, so it is important to read the fine print for what is covered. John Hancock’s “free-look” period gives you 14 days in most states to review your policy and cancel for a full refund if it doesn’t fit your needs.

John Hancock travel insurance policy rates

How much you’ll pay for a John Hancock travel insurance plan will depend on personal factors such as your trip destination, trip length, number of travelers and age of travelers. Upgrades such as “cancel for any reason” (CFAR) coverage will also impact your rate. 

We plugged in several travel scenarios to give you sample rates for John Hancock Insurance Agency’s Silver plan. 

Methodology

Our insurance experts reviewed 1,855 coverage details and 567 rates to determine the best travel insurance of 2024. For companies with more than one travel insurance plan, we shared information about the highest-scoring plan.

Insurers could score up to 100 points based on the following factors:

  • Cost: 40 points. We scored the average cost of each travel insurance policy for a variety of trips and traveler profiles.
  • Medical expenses: 10 points. We scored travel medical insurance by the coverage amount available. Travel insurance policies with emergency medical expense benefits of $250,000 or more per person were given the highest score of 10 points.
  • Medical evacuation: 10 points. We scored each plan’s emergency medical evacuation coverage by coverage amount. Travel insurance policies with medical evacuation expense benefits of $500,000 or more per person were given the highest score of 10 points. Pre-existing medical condition exclusion waiver: 10 points. We gave full points to travel insurance policies that cover pre-existing medical conditions if certain conditions are met.
  • Missed connection: 10 points. Travel insurance plans with missed connection benefits of $1,000 per person or more received full points.
  • “Cancel for any reason” upgrade: 5 points. We gave points to travel insurance plans with optional “cancel for any reason” coverage that reimburses up to 75%.
  • Travel delay required waiting time: 5 points. We gave 5 points to travel insurance policies with travel delay benefits that kick in after a delay of 6 hours or less.
  • Cancel for work reasons: 5 points. If a travel insurance plan allows you to cancel your trip for work reasons, such as your boss requiring you to stay and work, we gave it 5 points.
  • Hurricane and severe weather: 5 points. Travel insurance plans that have a required waiting period for hurricane and weather coverage of 12 hours or less received 5 points.

Some travel insurance companies may offer plans with additional benefits or lower prices than the plans that scored the highest, so make sure to compare travel insurance quotes to see your full range of options.

Frequently asked questions (FAQs)

John Hancock travel insurance is a subsidiary of Manulife. Manulife is an international financial services company that operates primarily as John Hancock in the United States and Manulife elsewhere.

Yes, John Hancock travel insurance Bronze, Silver and Gold plans all offer the option to purchase “cancel for any reason” CFAR coverage . This upgrade will reimburse up to 75% of your nonrefundable trip payments if you decide to cancel, as long as you do it at least two days before your scheduled departure.

Pre-existing conditions won’t be excluded from coverage if you buy a John Hancock travel insurance plan within 14 days of your first trip payment, your policy is the first and only policy issued for your travel dates and destination and you are medically able to travel at the time you buy your policy. As always, it is a good idea to check your policy details to confirm coverage.

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Jennifer Simonson

Jennifer Simonson covers everything from business to the wine industry to international travel. Outdoor adventure, water parks and all things Texas are by far her favorite beats. Her work has appeared in Forbes, Travel + Leisure, Texas Monthly, Smithsonian Magazine, Fodor's, Lonely Planet, Slate and more. You can follow her on Instagram at @storiestoldwell.

Mandy is an insurance writer who has been creating online content since 2018. Before becoming a full-time freelance writer, Mandy spent 15 years working as an insurance agent. Her work has been published in Bankrate, MoneyGeek, The Insurance Bulletin, U.S. News and more.

Kara McGinley is deputy editor of insurance at USA TODAY Blueprint and a licensed home insurance expert. Previously, she was a senior editor at Policygenius, where she specialized in homeowners and renters insurance. Her work and insights have been featured in MSN, Lifehacker, Kiplinger, PropertyCasualty360 and more.

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Business Insider

Travel Insurance Cost: This Week's Average Rates

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Our experts answer readers' insurance questions and write unbiased product reviews ( here's how we assess insurance products ). In some cases, we receive a commission from our partners ; however, our opinions are our own.

  • The average travel insurance premium this week is $292.52, a 3% increase compared to last week.
  • For travel in the United States, the average premium is $99 to $390.
  • Travel insurance protects against delayed baggage, trip cancellation, and more.

The average cost of travel insurance fluctuates throughout the year, based on demand and whether or not school's in session. Also keep in mind that where you're traveling and how many people are taking the trip will affect your exact premium.

Travel insurance weekly rates at a glance:

  • Average premium: $292.52
  • Average trip cost: $6,990.59
  • Average trip length: 16 Days

What is travel insurance?

Travel insurance plans can cover both domestic and international travel. It could protect against something as familiar as delayed baggage (experts estimate 85% of lost luggage is returned to its owner within 48 hours) or as complicated as trip cancellation.

The benefits and limitations of travel insurance vary based on the company and plan. Above all else, this insurance coverage offers peace of mind.

See Insider's picks for the best travel insurance companies »

Some credit cards offer a limited amount of travel insurance annually. If you need clarification on what your credit card offers, contact your provider to verify. These plans are great for cancellations and interruptions but may not cover more costly losses associated with unexpected medical expenses or emergency evacuations.

Individual travel insurance plans include this and much more. Travel insurance protects travelers from the unexpected when away from home.

Average cost of travel insurance by most popular destinations

Some countries are naturally more expensive travel destinations due to higher flight and lodging costs, which could increase travel insurance costs. Travel insurance will generally cost 5% to 10% of your total trip price, according to SquareMouth.

Here's how the prices stack up:

Source: SquareMouth

When are people buying travel insurance?

According to an AAA travel survey , 88% of travelers say that reimbursement after a trip cancellation is the most valuable benefit of trip insurance.

According to data gathered by SquareMouth in the last six months, travelers tend to purchase trip cancellation travel insurance 53 days before their trip. Meanwhile, travelers without trip cancellation insurance will buy a policy approximately 16 days before their trip. Regardless of when you buy, cancellation protection can kick in to protect you against the unexpected.

Average cost of travel insurance by age

A traveler's age is a significant factor in determining the cost of travel insurance. The older a traveler is, the higher travel insurance premiums are. For instance, a senior traveler may need more insurance for health-related emergencies than a millennial.

When calculating your travel insurance premium, travel insurance providers consider the likelihood of a medical emergency.

Get your free travel insurance quote with SquareMouth »

What does travel insurance cover?

Travel insurance can help reimburse you for non-refundable parts of your trip or help you if you're injured or face an emergency.

Travel insurance policies cover six main things:

  • Trip cancellation or interruption
  • Trip delays
  • Medical costs while traveling
  • Baggage damage, delays, or loss
  • Emergency transportation
  • Rental car damage

If you have a credit card, you may already have access to some of these coverages without purchasing a separate travel insurance policy. For example, many airline credit cards and some of the best travel credit cards offer trip cancellation, delay coverage, and baggage coverage.

For example, the Chase Sapphire Preferred and Chase Sapphire Reserve cards both come with some travel coverage, including trip cancellation, interruption, and delay coverage, baggage delays, rental cars, accidental death, and dismemberment coverage.

Before getting a travel insurance policy, making sure the terms match your needs or concerns is essential. During the COVID-19 pandemic, that's especially important - each travel insurance company has unique reimbursement and cancellation rules due to this event. So read the fine print of any travel insurance policy before purchasing.

Is travel insurance worth it?

Many customer reviews talk about peace of mind. Travelers didn't have to use travel insurance, but they're so glad they had it. Occasionally, travelers must file a claim for lost luggage, medical or hotel expenses, and more. This is the true test of value for travelers' insurance.

When travel insurance companies have online claims processing, phone or chat-based customer support, and pay claims quickly based on purchased plans, it's worth it. However, when the claims process is overly burdensome, taking weeks or even months, the value of travel insurance may not be as clear.

The adage "you get what you pay for" applies when shopping for the best travel insurance companies. The more you're willing to spend, the more comprehensive your travel insurance coverage can be. Trusted providers also offer faster claims and better customer service. Insider recommends comparing at least three quotes to find competitive rates and high customer satisfaction ratings to cover your next trip.

Travel Insurance Rates FAQs

How much does travel insurance typically cost.

Travel insurance rates through most providers fall between 4% and 8% of the total trip cost. Like the cost of flights, cruises, etc., rates may vary substantially based on the season, your original location, your destination, and other factors.

Does travel insurance cover COVID and political events?

Travel insurance covers the unpredictability of life, and this could include larger incidents like the COVID pandemic, political unrest, or large winter storms along with more common issues like lost luggage and unexpected accidents while on the road.

How do I buy travel insurance?

You can buy travel insurance online through provider websites. We recommend going through broker sites like Squaremouth to get multiple quotes for easy comparison online.

What travel insurance coverage do I need?

Travel insurance should make sense for your travel plans. The higher your travel costs, the more coverage you'll want. Basic cancellation and medical coverage are essential for big trips. If you plan to travel in the US, you should consider extra auto protection. Depending on the company, you may also find niche options like sports equipment and pet insurance.

Travel Insurance Cost: This Week's Average Rates

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19 Best Travel Credit Cards in Canada for January 2024

Shannon Terrell

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own.

Nearly one in four Canadians (23%) say they’re planning to vacation this spring, according to the Scotiabank Spring Travel Poll conducted by Maru/Blue in 2023. Among those planning a trip, the majority want to venture internationally (53%).

Our picks for Canada’s best travel credit cards include top cards across numerous categories to help you earn discounts, perks and rewards before your next trip.

  • The best travel credit cards in Canada
  • Why you should trust us
  • Summary of our selections

How travel credit cards work in Canada

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Best Travel Credit Cards in Canada from Our Partners

Best overall, best travel credit cards in canada, best overall travel card, scotiabank platinum american express® card.

Scotiabank Platinum American Express® Card

  • Annual Fee $399
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  • You must redeem a minimum of 5,000 points per travel-related rewards redemption, equivalent to $50 in travel savings. Points must be redeemed within 12 months of the purchase date.
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  • 12 types of insurance provided, including 31-day travel medical benefits — up to $2 million in coverage — for you, your spouse and any dependent children under the age of 65. 10-day coverage available for those over the age of 65.
  • Preferred rates: 9.99% for purchases, 9.99% for cash advances.
  • To be eligible, you must have a Canadian credit file and be a Canadian resident of the age of majority in the province or territory where you live.
  • Terms and Conditions Apply. Click ‘Apply Now’ for complete details.

Best for: Expedia bookings

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  • Annual Fee $139 To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the first Additional Cardholder first-year annual fee rebate, you must add your first Additional Cardholder by March 5, 2024. Waived first year
  • Interest Rates 20.99% / 22.99% 20.99% on purchases, 22.99% on cash advances.
  • Rewards Rate 2x-8x Points Earn 8 TD Rewards Points† for every $1 you spend when you book travel through Expedia® For TD†. Earn 6 TD Rewards Points† for every $1 you spend on Groceries and Restaurants†. Earn 4 TD Rewards Points† for every $1 you spend on regularly recurring bill payments set up on your Account†. Earn 2 TD Rewards Points For every $1 you spend on other Purchases made using your Card†.
  • Intro Offer Up to 135,000 Points Earn up to 135,000 TD Rewards Points†: Earn a welcome Bonus of 20,000 TD Rewards Points when you make your first Purchase with your Card†. Earn 115,000 TD Rewards Points when you spend $5,000 within 180 days of Account opening†. Earn a Birthday Bonus of up to 10,000 TD Rewards Points†. Account must be approved by March 4, 2024.
  • Earn up to $1,100 in value†, including up to 135,000 TD Rewards Points† and no Annual Fee for the first year†. Conditions Apply. Account must be approved by March 4, 2024.
  • To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening.
  • To receive the first Additional Cardholder first-year annual fee rebate, you must add your first Additional Cardholder by March 5, 2024.
  • Earn 8 TD Rewards Points† for every $1 you spend when you book travel through Expedia® For TD†.
  • Earn 6 TD Rewards Points† for every $1 you spend on Groceries and Restaurants†.
  • Earn 4 TD Rewards Points† for every $1 you spend on regularly recurring bill payments set up on your Account†.
  • Earn 2 TD Rewards Points For every $1 you spend on other Purchases made using your Card† plus earn an annual Birthday Bonus† of up to 10,000 TD Rewards Points.
  • No travel blackouts†, no seat restrictions† and no expiry† for your TD Rewards Points as long as your account is open and in good standing.
  • Each year, you will receive one $100.00 TD Travel Credit on your first Eligible Travel Credit Purchase of $500.00 or more made with Expedia For TD and posted to the Account in a calendar year.
  • Interest Rates: 20.99% on purchases and 22.99% on cash advances.
  • Go Places on Points: Your Points are worth more when you redeem through Expedia® For TD: Search over a million flights, hotels, packages and more! When you’re ready to book, you can redeem† your TD Rewards Points towards your travel purchase right away.
  • Redeem your TD Rewards Points towards making purchases at Amazon.ca with Amazon Shop with Points. Conditions apply.
  • Shop online through TDRewards.com Redeem your TD Rewards Points for great deals on a wide selection of merchandise and gift cards.
  • Option to purchase TD Auto Club Membership†: and be covered 24 hours a day for emergency roadside assistance services in case something goes wrong when you are out on the road.
  • Travel Medical Insurance†: Up to $2 million of coverage for the first 21 days. If you or your spouse is aged 65 or older, you are covered for the first 4 days of your trip. Additional top-up coverage is available.
  • Trip Cancellation/Trip Interruption Insurance†: For Trip Cancellation, up to $1,500 of coverage per insured person, with a maximum of $5,000 for all insured persons, and for Trip Interruption, up to $5,000 of coverage per insured person, with a maximum of $25,000 for all insured persons on the same covered trip.
  • To be eligible, $60,000 (individual) or $100,000 (household) annual income is required. Also, you must have a Canadian credit file and be a Canadian resident of the age of majority in the province or territory where you live.
  • †Terms and conditions apply.
  • This offer is not available for residents of Quebec.
  • The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click the Apply Now button.

Best for: Airport lounge access

The platinum card® from american express.

The Platinum Card® from American Express

  • Annual Fee $799
  • Interest Rates Varies This card also has a Flexible Payment Option (FPO), which lets you carry a portion of your balance with interest on eligible purchases. Card members must pay all charges not included in their FPO balance in full.
  • Rewards Rate 1x-2x Points 2x on eligible dining and food delivery in Canada, 2x on eligible travel and 1x on all other purchases.
  • Intro Offer Up to 100,000 Points New Platinum® Cardmembers, earn 70,000 Welcome Bonus points after you charge $10,000 in net purchases to your Card in your first 3 months of Cardmembership. Plus, earn 30,000 points when you make a purchase between 14 and 17 months of Cardmembership.
  • Unlock special experiences with the Platinum Card®.
  • Earn up to 100,000 Membership Rewards® points – that’s up to $1,000 towards a weekend away.
  • New Platinum® Cardmembers, earn 70,000 Welcome Bonus points after you charge $10,000 in net purchases to your Card in your first 3 months of Cardmembership.
  • Plus, earn 30,000 points when you make a purchase between 14 and 17 months of Cardmembership.
  • Earn 2 points for every $1 in Card purchases on eligible dining and food delivery in Canada, 2points for every $1 in Card purchases on eligible travel, and 1 point for every $1 in all other Card purchases.
  • Access a $200 Annual Travel Credit through American Express Travel Online or Platinum® Card Travel Service.
  • Enjoy a $200 Annual Dining Credit at some of Canada’s best restaurants.
  • Unlock $200 or more in additional value with Member extras. You can earn statement credits for qualifying purchases with participating brands.
  • Take full advantage of The American Express Global Lounge Collection™ which unlocks access to over 1300 airport lounges worldwide. This includes The Centurion® Lounge network, Plaza Premium Lounges, and hundreds of other domestic and international lounges designed to enhance your travel experience.
  • Enjoy flexible ways to use your points such as statement credits for any eligible purchase charged to your Card, new travel purchases booked on American Express Travel Online through the Flexible Points Travel Program, and eligible flights through the Fixed Points Travel Program.
  • Transfer points 1:1 to several frequent flyer and other loyalty programs.
  • Enjoy complimentary benefits that offer an average value of $750 CAD at over 1,300 extraordinary properties worldwide when you book Fine Hotels + Resorts.
  • Platinum Cardmembers can enjoy access to special events and unique opportunities.
  • Enjoy premium benefits at the Toronto Pearson Airport.
  • You will also have access to many leading hotel and car rental companies’ loyalty programs. Our partners include Marriott International, Hilton Hotels and Resorts, Hertz and Avis.
  • Interest applies in accordance with your Cardmember Agreement, Information Box, and Disclosure statement if the total New Balance is not paid by the Payment Due Date each month. All payments must be received by the Payment Due Date shown on the monthly statement.
  • American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link. If you apply and get approved for an American Express Card, NerdWallet may receive compensation from American Express, which can be in the form of monetary payment.

Best for: Aeroplan points

American express® aeroplan® reserve card.

American Express® Aeroplan® Reserve Card

  • Annual Fee $599
  • Interest Rates 20.99% / 21.99% 20.99% on purchases, 21.99% on cash advances.
  • Rewards Rate 1.25x-3x Points 3x on eligible purchases made directly with Air Canada and Air Canada Vacations, 2x on eligible Dining and Food Delivery purchases in Canada, and 1.25x on everything else.
  • Intro Offer Up to 90,000 Points New American Express® Aeroplan®* Reserve Cardmembers can earn up to 90,000 Aeroplan points: Earn 5,000 Aeroplan points for each Additional Aeroplan®* Reserve Card with an annual fee added to your account at time of application, up to a maximum of 2 approved Additional Cards. That could add up to 10,000 Aeroplan points. Plus, earn 7,500 Aeroplan points for each monthly billing period in which you spend $2,000 in net purchases on your Card for the first 6 months of Cardmembership. That could add up to 45,000 Aeroplan points. You can also earn 35,000 Aeroplan points when you spend $6,000 in net purchases between 13 and 16 months of Cardmembership. That’s up to $2,700 or more in value when you combine your welcome bonus points and card benefits.
  • New American Express® Aeroplan®* Reserve Cardmembers can earn up to 90,000 Aeroplan points:
  • Earn 5,000 Aeroplan points for each Additional Aeroplan®* Reserve Card with an annual fee added to your account at time of application, up to a maximum of 2 approved Additional Cards. That could add up to 10,000 Aeroplan points
  • Plus, earn 7,500 Aeroplan points for each monthly billing period in which you spend $2,000 in net purchases on your Card for the first 6 months of Cardmembership. That could add up to 45,000 Aeroplan points
  • You can also earn 35,000 Aeroplan points when you spend $6,000 in net purchases between 13 and 16 months of Cardmembership
  • That’s up to $2,700 or more in value when you combine your welcome bonus points and card benefits.
  • Receive up to $100 CAD in statement credits every four years when a NEXUS application or renewal fee is charged to your American Express Aeroplan Reserve Card.
  • Highest Air Canada earn rate on an Aeroplan payment card in Canada: Earn 3X the points on eligible purchases made directly with Air Canada®* and Air Canada Vacations®*.
  • Standard Earn Rate: Earn 2X the points on eligible Dining and Food Delivery purchases in Canada.
  • Earn 2X the points on eligible purchases with Rocky Mountaineer®**. Plus, you could receive a Complimentary Hotel Room Category Upgrade, on the first and last night, and a Complimentary Upgrade from SilverLeaf to GoldLeaf class of service when you book directly with Rocky Mountaineer using your Aeroplan Reserve Card.
  • Standard Earn Rate: Earn 1.25X the points on everything else.
  • Get through the airport quicker with Air Canada Priority Check-In, Air Canada Priority Boarding and Air Canada Priority Baggage Handling.
  • Receive one Annual Worldwide Companion Pass when you spend $25,000 in net purchases prior to your Card anniversary date; your Pass entitles you to buy an accompanying Air Canada economy class ticket for a companion at a fixed base fare from $99 to a maximum of $599 CAD (plus taxes, fees, charges, and surcharges).
  • Enjoy access to select Air Canada Maple Leaf Lounges™* and Air Canada Café™ in North America for you and a guest, with a same day ticket on a departing Air Canada or Star Alliance flight.
  • Enjoy your eligible first checked bag free for up to 9 people travelling on the same reservation on Air Canada flights.
  • Roll over any unallocated Aeroplan Elite™* Status Qualifying Miles and unused eUpgrade Credits to the following year to enjoy during your travels.
  • American Express® Experiences opens doors for you to access a number of special events, including special dining experiences, VIP parties, advance film screenings and more.
  • Get more from your travel experience at Toronto Pearson International Airport with:
  • Access to Pearson Priority Security Lane.
  • Complimentary valet service at the Express Park and Daily Park.
  • 15% discount on parking rates at the Express Park and Daily Park.
  • 15% discount on Car Care Services.
  • Get access to more than 1,200 Priority Pass™ airport lounges and enjoy an oasis of comfort before your flight, regardless of your airline or cabin class.
  • Insurance Coverage: whether you’re shopping nearby or travelling abroad, you can feel confident knowing you can be taken care of
  • American Express® Aeroplan®* Reserve Card is made from precision cut and engraved 13 g metal – it’s the perfect companion on your next exceptional journey
  • American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply.

Best for: NEXUS rebates

Td® aeroplan® visa infinite privilege* credit card.

TD® Aeroplan® Visa Infinite Privilege* Credit Card

  • Rewards Rate 1.25x-2x Points Earn 2 points† for every $1 spent on eligible purchases made direct through Air Canada® purchases (including Air Canada Vacations®). Earn 1.5 points† for every $1 spent on eligible gas, grocery, travel and dining purchases. Earn 1.25 points† for every $1 spent on all other purchases made with your Card.
  • Intro Offer Up to 75,000 Points Earn up to 75,000 Aeroplan points: Earn a welcome bonus of 20,000 Aeroplan points when you make your first purchase with your new card†. Earn an additional 30,000 Aeroplan points when you spend $10,000 within 180 days of Account opening†. Plus, earn an anniversary bonus of 25,000 Aeroplan points when you spend $15,000 within 12 months of Account opening†. Account must be approved by March 4, 2024.
  • Earn up to $2,700 in value† including up to 75,000 Aeroplan points (enough for a round trip to Los Angeles†) and additional travel benefits. Conditions Apply. Account must be approved by March 4, 2024.
  • Earn a welcome bonus of 20,000 Aeroplan points when you make your first purchase with your new card†.
  • Earn an additional 30,000 Aeroplan points when you spend $10,000 within 180 days of Account opening†.
  • Plus, earn an anniversary bonus of 25,000 Aeroplan points when you spend $15,000 within 12 months of Account opening†.
  • Earn 2 points† for every $1 spent on eligible purchases made direct through Air Canada® purchases (including Air Canada Vacations®).
  • Earn 1.5 points† for every $1 spent on eligible gas, grocery, travel and dining purchases.
  • Earn 1.25 points† for every $1 spent on all other purchases made with your Card.
  • Earn points twice when you pay with your Card and provide your Aeroplan number at over 150 Aeroplan partner brands and at 170+ online retailers via the Aeroplan eStore.
  • Global Airport Lounge Access†: Receive a complimentary membership to the Visa Airport Companion† Program hosted by Dragonpass International Ltd. and take advantage of six lounge visits included for each Cardholder per membership year at over 1,200 airport lounges worldwide. Enroll through the Visa Airport Companion App or through visaairportcompanion.ca
  • Complimentary Visa Infinite Concierge† : On-call 24 hours a day, seven days a week, the Visa Infinite Concierge can help with any Cardholder request — big or small, to help you get the most out of life whenever you travel, shop and use your Card.
  • Visa Infinite Luxury Hotel Collection†: Receive seven exclusive benefits when you book your stay through the Visa Infinite Luxury Hotel Collection featuring over 900 of the world’s most intriguing properties. Enjoy an additional 8th benefit at over 200 properties, exclusively for Visa Infinite Privilege cardholders.
  • Travel Medical Insurance†: Up to $5 million of coverage for the first 31 days. If you or your spouse is aged 65 or older, you are covered for the first 4 days of your trip. Additional top-up coverage is available.
  • Trip Cancellation/Trip Interruption Insurance†: For Trip Cancellation coverage of up to $2,500 per insured person, with a maximum of $5,000 for all insured persons, and for Trip Interruption coverage of up to $5,000 per insured person, with a maximum of $25,000 for all insured persons on the same covered trip.
  • Flight/Trip Delay Insurance†: Up to $1,000 in coverage per insured person if your flight/trip is delayed for over 4 hours.
  • Delayed and Lost Baggage Insurance†: For delayed baggage over 4 hours, up to $1,000 of coverage per insured person for the purchase of essentials, such as clothing and toiletries. For lost baggage, up to $2,500 of coverage per insured person.
  • Common Carrier Travel Accident Insurance†: Up to $500,000 of coverage for covered losses while travelling on a common carrier (for example, a bus, ferry, plane, train or auto rental).
  • Save time at the border with NEXUS: Enroll for a NEXUS and once every 48 months get an application fee rebate (up to $100 CAD)†. Additional Cardholders can also take advantage of this NEXUS rebate.
  • To be eligible, $150,000 annual personal income or $200,000 household annual income is required. Also, you must have a Canadian credit file and be a Canadian resident of the age of majority in the province or territory where you live.

Best for: Rewards on travel spending

American express® gold rewards card.

American Express® Gold Rewards Card

  • Annual Fee $250
  • Rewards Rate 1x-2x Points 2x points on eligible travel purchases, 2x on eligible purchases at gas stations, grocery stores and drugstores in Canada, and 1x on purchases everywhere else.
  • Intro Offer Up to 60,000 Points New American Express® Gold Rewards Cardmembers, earn 5,000 Membership Rewards® points for each monthly billing period in which you spend $1,000 in net purchases on your Card. This could add up to 60,000 points in a year. That’s up to $600 towards your next vacation.
  • Earn up to 60,000 Membership Rewards® points:
  • New American Express® Gold Rewards Cardmembers, earn 5,000 Membership Rewards® points for each monthly billing period in which you spend $1,000 in net purchases on your Card.
  • This could add up to 60,000 points in a year. That’s up to $600 towards your next vacation.
  • Earn 2 points for every $1 in Card purchases for eligible travel purchases, including flights, hotels, car rentals, cruises, and more.
  • Earn 2 points for every $1 in Card purchases at eligible gas stations, grocery stores and drugstores in Canada, and 1 point for every $1 in Card purchases everywhere else.
  • The Card is now available in your choice of Gold or Rose Gold metal options.
  • Receive a $50 CAD statement credit when a NEXUS application or renewal fee is charged to your American Express Gold Rewards Card.
  • You have access to an annual $100 CAD Travel Credit, compliments of your American Express Gold Rewards Card. Use the credit once annually towards any single travel booking of $100 or more charged to your Gold Rewards Card through American Express Travel Online.
  • As a Gold Rewards Cardmember, you can receive complimentary membership in Priority PassTM – one of the world’s largest independent airport lounge programs. Escape the chaos of airports and relax in an oasis of calm and simply enjoy the fact that the travel experience has begun before your plane has even left the ground. Enrollment is required and entry fees apply.
  • Enjoy four (4) complimentary visits per Calendar year to Plaza Premium Lounges across Canada. Entry fees apply once complimentary visits have been used.
  • Charge any eligible purchase to your credit Card then log in to redeem your earned points for a statement credit.
  • 1 Free Additional Gold Rewards Card (a $50 value) to help you earn points faster.
  • Subject to approval. The preferred rate for purchases is 20.99% and funds advances is 21.99%. If you have Missed Payments, the applicable rates for your account will be 25.99% and/or 28.99%. See the information box included with the application for the definition of Missed Payment and which rates apply to charges on your account and other details.
  • American Express is not responsible for maintaining of monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply.

Best for: Hotel rewards

Marriott bonvoy® american express®* card.

Marriott Bonvoy® American Express®* Card

  • Annual Fee $120
  • Interest Rates 20.99% / 21.99% 20.99% for purchases, 21.99% for cash advances.
  • Rewards Rate 2x-5x Points 5x points for every dollar in eligible Card purchases at hotels participating in Marriott Bonvoy®. 2x points for every $1 in all other Card purchases.*
  • Intro Offer 50,000 Points New Marriott Bonvoy® American Express®* Cardmembers earn 50,000 Marriott Bonvoy® points after you charge $1,500 in purchases to your Card in your first three months of Cardmembership. Subject to change at any time
  • New Marriott Bonvoy® American Express®* Cardmembers earn 50,000 Marriott Bonvoy® points after you charge $1,500 in purchases to your Card in your first three months of Cardmembership. Subject to change at any time
  • Earn 5 points for every dollar in eligible Card purchases at hotels participating in Marriott Bonvoy®.
  • Earn 2 points for every $1 in all other Card purchases.
  • Receive an Annual Free Night Award for up to 35,000 points at eligible hotels and resorts worldwide every year after your first anniversary.
  • No annual fee on Additional Cards.
  • Redeem points for free nights with no blackout dates at over 7,000 of the world’s most desired hotels.
  • Automatic Marriott Bonvoy Silver Elite status membership.
  • Receive 15 Elite Night Credits each calendar year with your Marriott Bonvoy® American Express®* Card. These can be used towards attaining the next level of Elite status in the Marriott Bonvoy program.
  • Enjoy an automatic upgrade to Marriott Bonvoy Gold Elite status when you reach $30,000 in purchases on the Card each year or when you combine 10 qualifying paid nights within one calendar year with the 15 Elite Night Credits from your card.

Best for: British Airways flyers

Rbc® british airways visa infinite‡.

RBC® British Airways Visa Infinite‡

  • Annual Fee $165
  • Interest Rates 20.50% / 22.99% 20.50% on purchases, 22.99% on cash advances.
  • Rewards Rate 1x-2x Miles Collect 1 Avios for every $1 CAD spent on qualifying net purchases*. Collect double Avios when you shop with British Airways and BA Holidays*.
  • Intro Offer Up to 60,000 Miles Receive up to 60,000 Aviosˆ: Receive 15,000 Avios as welcome bonus upon approval. 35,000 bonus Avios when you spend $6,000 CAD in the first 3 months. Another 10,000 bonus Avios after your first yearˆ.
  • Intro offer: Get Up to 60,000 Aviosˆ: Receive 15,000 Avios as welcome bonus upon approval. 35,000 bonus Avios when you spend $6,000 CAD in the first 3 months. Another 10,000 bonus Avios after your first yearˆ.
  • Collect 1 Avios for every $1 CAD spent on qualifying net purchases*.
  • Collect double Avios when you shop with British Airways and BA Holidays*
  • Earn a companion voucher when you spend $30,000 CAD annually. You can either take a companion with you or fly solo instead for a 50% Avios discount on the cost of one reward seat ticket. Plus, you’ll have the flexibility to pay a lower, flat fee to cover taxes, fees and carrier charges and a fixed Avios amount when you make a Reward Flight booking.
  • Eligible members who spend a minimum of $30,000 CAD on qualifying purchases on their card in a calendar year (“calendar year” refers to the time period starting from January 1 and ending December 31) will receive a maximum of one Companion Voucher for that calendar year. See ba.com/rbc-visa for full terms and conditions.
  • 10% off British Airways flights when you book and pay with your card∞.
  • Redeem for flights and more – you can spend your Avios on all of the travel things you love, including cabin upgrades with British Airways or reward flights with British Airways and any of the oneworld partner airlines to almost 1,000 destinations worldwide**.
  • Comprehensive Insurances including 31–day out of country/province emergency medical insurance¹, flight delay insurance², hotel burglary³ and rental car⁴ insurance. Even eligible purchases you make with the card are protected³.
  • Luxury Visa Infinite benefits⁵ such as first in line service for exclusive events and hotel and dining exclusives via www.visainfinite.ca.
  • Complimentary 24/7 Concierge Service⁵.
  • Link your RBC card with a Petro-Points membership to instantly save 3₵ per litre on fuel at Petro-Canada stations and earn 20% more Petro-Points and 20% more RBC rewards points.
  • Get $0 delivery fees for 12 months from DoorDash.
  • Link your RBC British Airways Visa Infinite card with a Rexall Be Well account and get 50 Be Well points for every $1 spent on eligible products at Rexall. Redeem Be Well points faster for savings in store on eligible purchases where 25,000 Be Well points = $10
  • Eligibility: This card requires a minimum personal income of $60,000 or a minimum household income of $100,000. Must also be a Canadian resident of the age of majority in the province or territory of residence.
  • Corresponding legal references and product terms are available on the RBC website, which will be available and agreed upon in the customer onboarding process.

Best for: AIR MILES rewards

Bmo air miles®† world elite®* mastercard®*.

BMO AIR MILES®† World Elite®* Mastercard®*

  • Annual Fee $120 Waived first year
  • Interest Rates 20.99% / 23.99% 20.99% on purchases and 23.99% on cash advances (21.99% for Quebec residents).
  • Rewards Rate 0.08x-0.25x Miles Earn 3x the Miles for every $12 spent at participating AIR MILES Partners and 2x the Miles for every $12 spent at any eligible grocery store.* Earn 1 reward mile for every $12 in credit card purchases, everywhere you spend.*
  • Intro Offer 2,000 Miles Spend $3,000 in the first three months to earn 2,000 AIR MILES Bonus Miles. Waive the $120 annual fee in the first year. Applications must be received by May 31, 2024. Terms and conditions apply.
  • Welcome offer: Get 2,000 AIR MILES Bonus Miles and we’ll waive the $120 annual fee for the first year.*
  • Get 3x the Miles for every $12 spent at participating AIR MILES Partners and 2x the Miles for every $12 spent at any eligible grocery store*.
  • Earn 1 reward mile for every $12 in credit card purchases, everywhere you spend.*
  • Get valuable benefits and offers for digital everyday services from a variety of on-demand apps and subscription services.
  • Use your card at Costco.*
  • Extended Warranty.
  • Access over 1 million Wi-Fi hotspots around the world – all at no added cost, and no added fees or roaming charges.*
  • Complimentary membership in Mastercard Travel Pass provided by DragonPass.*
  • Use less Miles with our exclusive 25% discount on one worldwide AIR MILES flight redemption during the calendar year.*
  • BMO AIR MILES World Elite Travel and Medical Protection.*
  • BMO Concierge Service.*
  • Unlock Mastercard Travel Rewards cashback offers when you travel and shop outside of Canada.
  • *Terms and conditions apply.
  • BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information.

Best for: Newcomers to Canada

Scotiabank passport™ visa infinite* card.

Scotiabank Passport™ Visa Infinite* Card

  • Annual Fee $150
  • Interest Rates 20.99% / 22.99% 20.99% on purchases. 22.99% on cash advances.
  • Rewards Rate 1x-3x Points Earn 3X Scene+ points for each dollar charged to your account on all eligible purchases¹ at Sobeys, IGA, Safeway, Foodland, FreshCo, Voilà by Sobeys, Voilà by IGA, Voilà by Safeway, Chalo! FreshCo, Thrifty Foods, IGA West, Les Marchés TradItIon, Rachelle Béry and Co-Op. Earn 2 Scene+ points on every $1 you spend on eligible grocery stores, dining, entertainment purchases, and daily transit purchases (including buses, subways, taxis and more). Earn 1 Scene+ point on every $1 you spend on all other eligible purchases.
  • Intro Offer Up to 35,000 Points To qualify for the 35,000 bonus Scene+ points: 1. Earn 25,000 bonus Scene+ points by making at least $1,000 in everyday eligible purchases in your first 3 months. 2. Plus, as a Scotiabank Passport Visa Infinite cardholder, you are eligible to earn an annual 10,000 Scene+ point bonus when you spend at least $40,000 in everyday net eligible purchases annually. Offer Ends January 3, 2024.
  • Earn up to $1,100+ in value in the first 12 months, including up to 35,000 bonus Scene+ points and first year annual fee waived on your first supplementary card. Offer Ends January 3, 2024.
  • The only major bank credit card offering you no foreign transaction fees, including for shopping online or abroad.
  • Your Award Winning Card For Travel.
  • Earn 2 Scene+ points on every $1 you spend on eligible grocery stores, dining, entertainment purchases, and daily transit purchases (including buses, subways, taxis and more).
  • Earn 1 Scene+ point on every $1 you spend on all other eligible purchases.
  • You’ll earn 3X Scene+ points for each dollar charged to your account on all eligible purchases¹ at Sobeys, IGA, Safeway, Foodland, FreshCo, Voilà by Sobeys, Voilà by IGA, Voilà by Safeway, Chalo! FreshCo, Thrifty Foods, IGA West, Les Marchés TradItIon, Rachelle Béry and Co-Op.
  • Airport lounge access through complimentary Visa Airport Companion Program membership, plus six complimentary lounge visits per year from the date of enrollment, providing you with access to 1,200+ airport lounges globally, including participating Plaza Premium Lounges.
  • Visa Infinite* benefits including Visa Infinite Concierge, Visa Infinite* Luxury Hotel Collection, Visa Infinite* Dining Series, and Entertainment & Lifestyle Offers.
  • Access to Scotia SelectPay™.
  • To be eligible, $60,000 (individual) or $100,000 (household) annual income is required, or a minimum assets under management of $250,000. Also, you must have a Canadian credit file and be a Canadian resident of the age of majority in the province or territory where you live.

Best for: Cash back

Bmo cashback® world elite®* mastercard®*.

BMO CashBack® World Elite®* Mastercard®*

  • Interest Rates 20.99% / 23.99% 20.99% on purchases, 23.99% on cash advances (21.99% for Quebec residents).
  • Rewards Rate 1%–10% 10% intro offer, then 5% on groceries*, 4% on transit including ride sharing, taxis and public transportation*, 3% on gas and electric vehicle charging*, 2% on recurring bill payments like your monthly phone bill or favourite streaming service*, 1% unlimited cashback on all other purchases*.
  • Intro Offer Up to $260 Receive 10% cash back in the first three months, up to $2,600 in purchases (equal to $260 cash back). Must apply by May 31, 2024. Terms and conditions apply.
  • Welcome offer: Get up to 10% cash back in your first 3 months and the $120 annual fee waived in the first year.*
  • Earn more cash back on the categories that mean the most: 5% on groceries.* 4% on transit including ride sharing, taxis and public transportation.* 3% on gas and electric vehicle charging.* 2% on recurring bill payments like your monthly phone bill or favourite streaming service.* 1% unlimited cashback on all other purchases.*
  • Get the highest cash back earn rate on groceries in Canada.†
  • Extended Warranty Plus.*
  • Purchase Protection Plus.*
  • Complimentary membership in Mastercard Airport Experiences provided by LoungeKey.*
  • Complimentary Roadside Assistance Program.*
  • BMO CashBack World Elite Travel and Medical Protection.*
  • †Statement based on a comparison of the non-promotional grocery rewards earn rate on Canadian cash back credit cards as of January 4, 2023.

Best for: WestJet flyers

Westjet rbc world elite mastercard.

WestJet RBC World Elite Mastercard

  • Annual Fee $119
  • Interest Rates 20.99% / 22.99% 20.99% on purchases, 22.99% on cash advances (21.99% if you reside in Quebec).
  • Rewards Rate 1.5%-2% Earn 1.5% back in WestJet dollars for everyday purchases you make on your card⁸. Earn 2% back in WestJet dollars on WestJet flights or WestJet Vacations packages using your card⁸.
  • Intro Offer Up to $700 Get up to 700 in WestJet dollars¹: 300 WestJet dollars upon your first purchase.¹ 300 WestJet dollars when you spend $5,000 in the first 3 months.¹ 100 WestJet dollar one-time anniversary bonus.¹
  • Get up to 700 WestJet dollars¹ with the WestJet RBC World Elite Mastercard. Plus a Round-Trip Companion Voucher Every Year.
  • Buy One, Bring One! Get an annual round-trip companion voucher starting from $119 CAD³ (plus taxes, fees, charges and other ATC) with the WestJet RBC World Elite Mastercard.
  • Reach higher with WestJet Rewards Status Lift. Now everyday purchases on the WestJet RBC World Elite Mastercard can bring you closer to achieving status with WestJet⁵.
  • First free checked bags for the primary cardholder on WestJet flights⁴ and up to 8 guests on the same reservation.
  • Earn 1.5% back in WestJet dollars for everyday purchases you make on your card⁸.
  • Earn 2% back in WestJet dollars on WestJet flights or WestJet Vacations packages using your card⁸.
  • Redeem your WestJet dollars toward all or part of a WestJet flight or WestJet Vacations packages⁹ — no blackout periods and your WestJet dollars don’t expire¹⁰ — to destinations across North America, Central America, the Caribbean and Europe.
  • Travel coverage including emergency medical insurance²⁰ as well as trip interruption insurance²¹, hotel burglary¹⁸ and rental car insurance¹⁸. Even eligible purchases you make on the card are protected.
  • Link your RBC card with a Petro-Points membership to and instantly save 3₵ per litre on fuel¹² and always earn 20% more Petro-Points¹³ at Petro-Canada.
  • Free Boingo Wifi for Mastercard holders¹¹ at over 1 million hot spots.
  • Get $0 delivery fees for 12 months from DoorDash^. Add your eligible RBC credit card to your DoorDash account to: Get a 12-month complimentary DashPass subscription± – a value of almost $120. Enjoy unlimited deliveries with $0 delivery fees on orders of $15 or more when you pay with your eligible RBC credit card.
  • Eligibility: This card requires a minimum personal income of $80,000 or a minimum household income of $150,000. Must also be a Canadian resident of the age of majority in the province or territory of residence.

Best for: Aventura points

Cibc aventura® gold visa* card.

CIBC Aventura® Gold Visa* Card

  • Annual Fee $139 Waived first year
  • Interest Rates 20.99% / 22.99% 20.99% for purchases, and 22.99% for cash advances (21.99% for Quebec residents).
  • Rewards Rate 1x-2x Points 2x for every $1 spent on travel purchased through the CIBC Rewards Centre, 1.5x on for every $1 spent at eligible gas stations, electric vehicle charging stations, grocery stores and drug stores (up to $80,000 annual spend), 1x for every $1 spent on all other purchases.
  • Intro Offer Up to 35,000 Points Get a total of up to 35,000 Aventura Points (up to $800 in travel value) during your first year: 1. 15,000 Aventura Points when you make your first purchase. 2. 20,000 Aventura Points when you spend $3,000 or more in the first 4 monthly statement periods.
  • Earn up to 35,000 Aventura Points (up to $800 in value) during your first year. Receive 15,000 Aventura Points when you spend $3,000 or more in the first 4 monthly statement periods.
  • Get a one-time annual fee rebate ($139) for you (the primary cardholder) and up to three authorized users ($50 each): over $189 value.
  • Enjoy 4 complimentary visits with the Visa Airport Companion Program.
  • Plus, get a NEXUS Application Fee rebate: a $50 value.
  • Offer applies to newly approved card accounts only.
  • 2x for every $1 spent on travel purchased through the CIBC Rewards Centre.
  • 1.5x on for every $1 spent at eligible gas stations, electric vehicle charging stations, grocery stores and drug stores, up to $80,000 annual spend.
  • 1x for every $1 spent on all other purchases.
  • 1x for every $4.00 spent on a CIBC Global Money Transfer, through June 30, 2022.
  • Redeem points for airline tickets, merchandise, gift cards and more.
  • Apply points to your CIBC Aventura card balance or select CIBC financial products.
  • $139 annual fee.
  • Access to more than 1,300 airport lounges across the globe. Priority Pass membership with 4 complimentary lounge visits a year. Zip in and out of the country with a rebate on one NEXUS™ application fee every 4 years.
  • Fly any airline with points that don’t expire.
  • Use Aventura Points to cover full airfare including taxes and fees.
  • Link your Journie Rewards card to save on every fill-up at participating Pioneer, Fas Gas, Ultramar and Chevron gas stationsabout the features of this card.
  • Visa’s Zero Liability Policy and Fraud Alerts.
  • Valuable insurance included: Out-of-Province Emergency Travel Medical Insurance, Flight Delay and Baggage Insurance, Auto Rental Collision and Loss Damage Insurance, $500,000 Common Carrier Accident Insurance, Purchase Security and Extended Protection Insurance, Hotel Burglary Insurance and Mobile Device Insurance.
  • Access to installment plans through CIBC Pace It.
  • Preferred rates: 20.99% for purchases, and 22.99% for cash advances (21.99% for Quebec residents).
  • To be eligible, a $15,000 individual annual income is required and you must be a Canadian resident that has reached the age of majority in your province.

Best for: Students

Cibc aeroplan® visa card for students.

CIBC Aeroplan® Visa Card for Students

  • Annual Fee $0
  • Interest Rates 20.99% / 22.99% 20.99% on purchases, 22.99% on cash advances (21.99% for Quebec residents).
  • Rewards Rate 0.67x-1x Points 1x per $1 spent on gas, electric vehicle charging, groceries and Air Canada travel purchases, and 1x per $1.50 spent on all other purchases.
  • Intro Offer 10,000 Points Earn 10,000 Aeroplan points when you make your first purchase at any time with your card. New cardmembers only.
  • 1x Aeroplan points per dollar on gas, electric vehicle charging, groceries and Air Canada travel purchases, up to $40,000 annual spend.
  • 1x Aeroplan points per $1.50 spent on all other purchases, including gas, electric vehicle charging, groceries and Air Canada travel purchases that exceed the $40,000 threshold.
  • Earn points twice at over 150 Aeroplan partners and 170+ online retailers through the Aeroplan eStore.
  • Aeroplan Points never expire and can be redeemed for a variety of travel, merchandise, gift card, and other rewards offered by Aeroplan’s participating partners and suppliers.
  • $0 annual fee.
  • Get three free months of Uber Pass for discounts on rides, meals and more. Offer ends September 8, 2022.
  • Earn 1 Aeroplan point for every $6 spent on CIBC Global Money Transfer, with no transaction fees or interest as long as you pay your balance on time. Offer ends June 30, 2022.
  • Maximize your points by adding up to three additional cards and giving them to your spouse or other family members. Points can be shared with other Aeroplan members in your household.
  • Earn points by using your CIBC Aeroplan Visa to automatically make recurring bill payments.
  • Receive preferred pricing when paying for flights with your Aeroplan points.
  • Save up to 25% on car rentals at participating Budget and Avis locations worldwide when paying with your card.
  • Save up to 10 cents per litre at participating Chevron, Ultramar and Pioneer gas stations if you link your card with Journie Rewards.
  • Use the CIBC Pace It feature to make installment payments on large purchases.
  • Four types of insurance are provided: auto rental collision and loss damage insurance, purchase security, extended protection insurance, and $100,000 in common carrier accident insurance.
  • Preferred rates: 20.99% for purchases, 22.99% for cash advances.
  • To be eligible, you must have full-time status in a college or university.

Best for: Businesses

Td® aeroplan® visa* business card.

TD® Aeroplan® Visa* Business Card

  • Annual Fee $149 Waived first year
  • Interest Rates 14.99% / 22.99% 14.99% on purchases, 22.99% on cash advances.
  • Rewards Rate 1x-2x Points 2x on Air Canada purchases, including Air Canada Vacations. 1.5x on travel, dining and select business categories, such as shipping, internet, cable and phone services. 1x on everything else.
  • Intro Offer Up to 65,000 Points Earn up to 65,000 Points: Earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase with your new card. Plus, earn up to 45,000 Aeroplan points when you spend $2,500 in purchases each month for the first 12 months of Account opening. Plus, earn up to 10,000 Aeroplan points by setting up new recurring bill payments (maximum two). Account must be opened by January 3, 2024.
  • Earn up to 65,000 Aeroplan points, no Annual Fee in the first year. Conditions Apply. Account must be opened by January 3, 2024.
  • Earn 2 Aeroplan points for every dollar spent on eligible purchases made directly with Air Canada, including Air Canada Vacations.
  • Earn 1.5 Aeroplan points for every dollar spent on eligible travel, dining and select business categories, such as shipping, internet, cable and phone services.
  • Earn 1 Aeroplan point for every dollar spent on all other eligible purchases.
  • Earn points twice when paying with a TD Aeroplan Visa Business Card and providing an Aeroplan number at over 150 Aeroplan partner brands and more than 170 online retailers via the Aeroplan eStore.
  • Points can be redeemed for flights, hotels, merchandise, gift cards and more. They can also be used to pay down the card’s balance.
  • Linked cards earn 50% more Aeroplan points and Stars at participating Starbucks stores.
  • $149 annual fee — rebated in the first year.
  • Free first checked bag for up to 9 people travelling on the same reservation on Air Canada flights.
  • One free one-time guest pass to Maple Leaf Lounges for every $10,000 in net purchases. Maximum of 4 passes a year.
  • Reach Aeroplan Elite Status more quickly by earning 1,000 Status Qualifying Miles and one Status Qualifying Segment for every $5,000 in net purchases.
  • Access online reporting, review business expenses, managing existing credit limits and apply spend controls through the TD Card Management Tool.
  • Visa SavingsEdge program: save up to 25% on eligible business purchases.
  • Travel benefits: travel medical insurance (up to $2 million in coverage for the first 15 days for those under 65; coverage lasts for 4 days for those 65 and older); common carrier travel accident insurance (up to $500,000 for covered losses), trip cancellation insurance (up to $1,500 per insured person; maximum of $5,000), trip interruption insurance (up to $5,000 per insured person; maximum of $25,000), flight/trip delay insurance (up to $500 if a flight or trip is delayed for longer than 4 hours), delayed and lost baggage insurance (up to $1,000 of overall coverage per insured person), auto rental collision/loss damage insurance (covers the full cost of a car rental for up to 48 days), hotel/motel burglary insurance (up to $2,500), mobile device insurance (up to $1,000 in coverage).
  • Toll-free emergency travel assistance services.
  • Receive a rebate of up to $100 on NEXUS enrolment application/renewal fee costs once every 48 months.
  • Save a minimum of 10% on the lowest available base rates in Canada and the U.S., and a minimum of 5% on the lowest base rates internationally on qualifying car rentals at participating Avis and Budget locations.
  • Visa Zero Liability protection, Verified by Visa and instant alerts to prevent fraudulent card use.
  • Purchase security and extended warranty protection.
  • Minimum credit limit of $1,000.
  • Interest rates: 14.99% on purchases, 22.99% on cash advances.

Best for: USD purchases

Rogers™ mastercard®.

Rogers™ Mastercard®

  • Interest Rates 19.99% / 22.99% 19.99% on purchases, 22.99% on cash advances and balance transfers.
  • Rewards Rate 1%-2% Earn 2% unlimited cash back on all eligible purchases if you have 1 qualifying service with Rogers, Fido or Shaw. Otherwise earn2%unlimited cash back on U.S. dollar purchases and 1% unlimited cash back on all other eligible purchases.
  • Intro Offer Up to $100 Earn 10% cash back on eligible purchases for the first three months, up to $1,000 spend.
  • No annual fee.
  • 10% cashback on eligible purchases for the first three months, up to $1,000 spend.
  • 2% unlimited cash back on all eligible purchases if you have 1 qualifying service with Rogers, Fido or Shaw.
  • For cardholders who don’t have a qualifying service, earn 2% unlimited cash back on U.S. dollar purchases and 1% unlimited cash back on all other eligible purchases.
  • 1.5x More cash back every time you redeem for Rogers, Fido or Shaw purchases – that’s a 3% cash back value.
  • Get five free Roam Like Home days in 185 destinations for talk, text and data.
  • Pay your bill using your mobile phone device.
  • Transaction monitoring and fraud alerts.
  • Balance protection insurance helps pay your minimum payment in the event of illness, disability or job loss.
  • To apply, you must be the age of majority, be a resident of Canada, and have not filed for bankruptcy in the last seven years or have worked with a trustee under a formal Consumer Proposal.

Best prepaid card

Ac™ conversion visa* prepaid card.

AC™ Conversion Visa* Prepaid Card

  • Rewards Rate N/A
  • Min. Deposit $0 No minimum load required.
  • Maximum Deposit $20,000 The maximum the card can hold is the equivalent of $20,000 CAD in your choice of currencies.
  • Intro Offer N/A
  • General fees and features: There’s no fee to order the card, no fee to load it, and no annual fee.
  • Purchases: No fees for CAD purchases and no conversion fees when you make a purchase in one of 10 supported foreign currencies. There’s a 2.5% foreign conversion fee for transactions made in a currency other than the 10 supported currencies. The daily (24-hour) maximum point-of-sale purchase limit is $2,999.99 CAD equivalent.
  • Reload methods: To load funds onto your card, use your mobile app or sign onto your account at acconversion.cibc.com. The website also works on your phone or tablet on the go. The maximum load amount for a single transaction is $2,999.99 CAD equivalent.
  • Lock in a great exchange rate each time you load. That means you don’t have to worry about exchange rate fluctuations. Plus, there’s no extra conversion fee.
  • Shop with foreign currency on global e-commerce sites.
  • Manage your funds from the palm of your hand with the AC conversion App. Reload as you go so you never run out of currency on your trip. Check your balance, keep track of your spending, transfer money from one currency to another, and retrieve your PIN.
  • Protected by advanced chip and PIN technology to minimize fraud and theft. It also comes with Emergency Card Replacement Service, Emergency Cash Service and Protection from unauthorized use of cards or account information.
  • Sign up for your card online or at a CIBC Banking Centre in Pearson Airport. You don’t need to be a CIBC client to order a card. No credit check is required.

Best for: Flat-rate rewards

Cwb world elite® mastercard®.

CWB World Elite® Mastercard®

  • Annual Fee $120 No annual fee for the first year, then $120. Waived first year
  • Interest Rates 19.99% / 21.50% 19.99% on purchases, 21.50% on cash transactions
  • Rewards Rate 2x-30x Points Earn 2 reward points on every $1 spent, plus earn up to 30 rewards points on every $1 spent with CWB Rewards partners.
  • Reward yourself faster by earning 2 points for every $1 spent on your purchases, up to a $25,000 annual spending limit. After that, earn 1 point per $1 spent.
  • Earn more with CWB Rewards partners by earning up to 30 rewards points on every $1 spent.
  • Redeem CWB Rewards powered by Brim as cash back or to pay for purchases.
  • Free Global Wi-Fi access to over 1 million Boingo Wi-Fi hotspots.
  • Lounge access, exclusive restaurant offers, airport transfers and security fast track with Mastercard Travel Pass.
  • Feel fully protected with 15 types of insurance coverage, including mobile device insurance.
  • To be eligible, an $80,000 annual income or $150,000 household income is required.

Best for: Premium travel perks

Cibc aeroplan® visa infinite privilege card.

CIBC Aeroplan® Visa Infinite Privilege Card

  • Annual Fee $599 Enjoy an annual fee rebate every year for the primary cardholder of up to $139 if you have a CIBC Smart Plus™ Account. Annual fee rebate available
  • Rewards Rate 1.25x-2x Points 2x on Air Canada purchases, 1.5x on gas, electric vehicle charging, grocery, travel and dining, and 1.25x on other purchases.
  • Intro Offer Up to 110,000 Points You’ll receive 20,000 Aeroplan points when you make your first purchase, another 30,000 points if you spend $6,000 or more during your first four monthly statement periods, and 60,000 more points as an additional anniversary bonus if you have at least $25,000 in net eligible purchases posted on your account during the first 12 monthly statement periods. This offer only applies to newly approved card accounts.
  • Get up to 110,000 Points: You’ll receive 20,000 Aeroplan points when you make your first purchase, another 30,000 points if you spend $6,000 or more during your first four monthly statement periods, and 60,000 more points as an additional anniversary bonus if you have at least $25,000 in net eligible purchases posted on your account during the first 12 monthly statement periods. This offer only applies to newly approved card accounts.
  • 2x Aeroplan points on Air Canada purchases, including Air Canada Travel Vacations.
  • 1.5x Aeroplan points on gas, electric vehicle charging, groceries, travel and dining, up to annual $100,000 spend.
  • 1.25x Aeroplan points on other purchases.
  • Earn points twice by providing your Aeroplan number at over 150 Aeroplan partner brands and over 170 online retailers through the Aeroplan eStore.
  • Points can be redeemed for flights, car rentals and hotel stays, as well as complete vacation packages like cruises and all-inclusive resort visits. Points can also be redeemed for gift cards and merchandise sold through the Aeroplan eStore.
  • $599 annual fee, which can be reduced by up to $139 each year if you have a CIBC Smart Plus account.
  • An annual Worldwide Companion Pass, worth up to $599, to any destination in the world that Air Canada flies when you spend $25,000 on your card.
  • Exclusive access to Visa Infinite Luxury Hotel Program, Visa Infinite Dining Series and the Visa Infinite Wine Country Program.
  • Reach Aeroplan Elite status sooner by earning 1,000 Status Qualifying miles and one Status Qualifying segment for every $5,000 you spend on eligible purchases.
  • Save up to 25% on car rentals at participating Avis and Budget locations.
  • Authorized users can access travel benefits when travelling without you by linking their Aeroplan number.
  • Access to CIBC Pace It, an installment plan designed to help you pay off large or unexpected purchases over time at a lower interest rate.
  • 13 types of insurance provided, including 31-day travel medical benefits (10 days if you’re 65 or older on your departure date) — worth up to $5 million in coverage per insured person.
  • To be eligible, $150,000 (individual) or $200,000 (household) annual income is required. You must be a Canadian resident who has reached the age of majority in your province or territory and who hasn’t made a bankruptcy claim in the last seven years.

Methodology to choose the best travel credit cards

NerdWallet Canada selects the best travel rewards credit cards based on overall consumer value as well as their suitability for specific kinds of travellers. Factors in our  evaluation methodology  include each card’s annual fee, foreign transaction fees, rewards earning rates, ease of use, redemption options, domestic and international acceptance, promotional APR period, bonus offers, insurance offers, and cardholder perks such as automatic statement credits and airport lounge access.

Summary of the best travel credit cards

By barry choi and shannon terrell.

Travel rewards credit cards earn points or miles as a reward for making eligible purchases. The type and rate of rewards you earn depends on the travel credit card you have. Additionally, how you can use those rewards may depend on the loyalty program associated with your card.

Why get a travel credit card?

Travel rewards credit cards account for 22% of credit cards in Canada, according to a 2021 report by Payments Canada. Outside reduced travel costs, travel cards can offer travel insurance, airport lounge access , baggage fee discounts, no foreign transaction fees and more. The right travel credit card can help you plan trips and access upgraded services that may have once been out of reach.

Types of travel credit cards in Canada

Generally speaking, there are three different categories of travel rewards credit cards. Knowing how they differ will help you determine what card is best for you.

General travel rewards credit cards

If you’re not loyal to one specific airline or hotel chain, then a general travel rewards program is something that will interest you. The points you earn can typically be used for any type of travel redemption, such as airfare, hotels, car rentals, cruises, and even vacation packages. Since your points don’t belong to one specific program, you have more options.

Some general travel rewards credit cards only allow you to use your points when booking travel through their online portal, while others let you use your points for any travel purchases you charge to your card.

Airline rewards credit cards

Airline credit cards allow you to earn points or miles for a specific airline. What’s interesting about airline credit cards is that the points you earn can usually be used on any airline that’s part of their network.

For example, Aeroplan is the loyalty program for Air Canada. Even if you don’t have one of the best Aeroplan credit cards, you can redeem your points for a flight on any carrier that’s part of the Star Alliance network. There are also some general travel rewards programs, such as Air Miles , that also earn miles and can offer some additional value.

Depending on the tier of your airline rewards credit card, you may get additional perks such as free checked bags, priority boarding and increased status. Having an airline credit card is highly lucrative if you frequently fly with one airline or network.

Hotel rewards credit cards

While some people love the idea of free flights, getting a luxury stay at a nice hotel appeals to other people. Some would argue that hotel rewards are better than airline rewards since some hotel chains have a greater reach. For example, Marriott has over 7,000 properties in 130+ countries, so no matter where you’re travelling, it won’t be hard to find a room where you can use your points.

Hotel rewards credit cards will also typically include benefits that will make your stay more comfortable. For instance, you could get early check-in and late check-out. You could also get free high speed WiFi or enhanced status.

Additional rewards to look for in a travel card

Besides the main rewards categories that come with travel credit cards, consider the additional perks that are included. These extra perks can often be the thing that helps you choose one card over another.

Consider the following benefits that often come with travel rewards credit cards:

  • Free checked bags. Airlines charge anywhere from $30-$60 per checked bag, each way, so getting free checked bags can save you a fair amount of money.
  • Airport lounge access. Some credit cards include airport lounge access , plus free annual lounge passes. These benefits could easily have a value of over $300, so it can offset any annual fee you might pay.
  • Travel insurance. An extensive travel insurance package is included on some credit cards. This could cover things such as medical expenses, trip cancellation, lost luggage, and more.
  • No foreign transaction fees. Many credit cards charge a 2.5% fee when you make a purchase in any currency that’s not Canadian dollars. You simply pay the straight exchange rate if your card has no foreign transaction fees .
  • Extended warranty. Many credit cards will lengthen your warranty up to one additional year as long as you charge the full cost of the purchase to your card.
  • Price protection. If you find a lower price after making a purchase, some credit cards will give you back the difference if it falls within a specific period.
  • Concierge service. A credit card concierge can help you with basic tasks such as booking travel, ordering fits and securing event tickets.

As you can see, the list of additional benefits you can get with your travel rewards credit cards can be pretty extensive. Some of the best travel credit cards in Canada will have many of the above benefits, but not all of them. Always prioritize the perks that are important to you when applying for a credit card .

Travel credit card pros and cons

  • Earn points or miles to reduce travel costs, like discounted flights and hotel stays.
  • Get additional perks, like travel insurance, discounted baggage fees, airport lounge access and more.
  • Earn introductory bonus points when you sign up for certain travel credit cards.
  • Some cards let you transfer points to airline and hotel loyalty programs.
  • Many travel credit cards carry annual fees.
  • Blackout periods may restrict when you can redeem your points.
  • Introductory bonus offers may require you to spend a large sum of money in a short period of time.
  • Some travel rewards points expire if you don’t use them quickly enough.

Using travel rewards

Understanding travel credit card earn rates.

The earn rate on a travel credit card is the number of rewards points or miles you earn on each dollar spent.

Some cards offer a flat rate, meaning you earn the same rewards on every purchase. For example, you may earn 2 points for every $1 you spend with your card.

Most rewards credit cards have a tiered rewards structure when making purchases. The type of structure can vary quite a bit between cards. For example, you may have an accelerated earn rate on purchases made in certain categories, such as travel, groceries, gas and drugstores. All other purchases will use the lower base earn rate.

Ideally, you want to choose a credit card with an accelerated earn rate that is aligned with your spending habits.

“You have to make sure the loyalty program is going to let you do what you want,” says Laura Scheck, vice president of credit cards at Scotiabank. “Or else you’ll end up with points that you can’t necessarily use. And no one wants to be in that situation. Points are fun!”

Additionally, travel credit cards may deliver additional points or miles when you make purchases with their main partner, if they have one. For example, an Aeroplan credit card gives you an accelerated earn rate on Air Canada purchases. Some loyalty programs even have a network of partners where you can earn additional points or miles.

How to calculate the value of travel credit card points

Knowing how to calculate the value of your points or miles is essential since not every redemption value is the same. By establishing a baseline value for your points, you can decide if specific redemptions are worth it — even if you’re not getting the maximum value.

The formula used to determine the value of one point is as follows:

Cash value of the redemption x 100 / number of points required = Cost per point

Let’s say you want to fly from Vancouver to Toronto, and it’s going to cost $585 in cash, or 25,000 Aeroplan points, plus $75 in taxes. You would use the following formula. Note that since you have to pay $75 in taxes, you’d have to subtract that amount from the cash value for an accurate assessment.

$510 x 100 / 25,000 = 2.04 cents per point

This formula can be applied to any redemption regardless of the loyalty program. For example, let’s say you want to redeem 13,400 points for a $100 gift card. Your formula would be the following:

$100 x 100 / 13,400 = .75 cents per point

The flight is a better bang for your points if these redemption options are available with the same program.

Do travel rewards points ever expire?

It doesn’t matter how long you’ve been a loyalty program member or how many points you’ve accumulated; you can lose everything if you’re not paying attention.

Generally speaking, most loyalty programs that belong to an airline or hotel have a defined expiry date of 12 – 18 months. However, that only applies if there’s been no account activity in your account during that time. If you earn or redeem just one point during that time, your clock would reset. Even if you’re not travelling anytime soon, you could make a small redemption or donate some points to ensure you don’t lose the rest of your points.

When it comes to bank credit card rewards programs, it’s unlikely your points will expire as long as your credit card account is in good standing. Your account would only fall out of good standing if it becomes delinquent or your credit card is used for fraudulent activity.

How to redeem travel credit card rewards

Some credit card rewards programs only let you redeem points or miles through their rewards portals. Others allow point redemption for any eligible purchase you make with your credit card.

Rewards programs offered through banks typically have their own website where you can make redemptions. They often have separate tabs where you can choose from travel, gift cards, merchandise, and financial rewards. While this can be handy, you’re typically limited to their offerings — what you see is what you get.

Airline and hotel loyalty programs will almost always allow you to redeem your points or miles directly on their website or mobile app. When searching for flights or hotels, you’ll likely see a box that says “use points.” The prices displayed will be in points, so you’ll know exactly how much you’ll need to make a redemption.

Knowing where to go to redeem your points is important, but you may also want to familiarize yourself with the different point redemption systems.

Travel reward point redemption options

Not all rewards programs are created equal, especially when it comes time to cash in your travel points. These three redemption models tend to be the most popular among travel credit cards:

Consistent points

Consistent points hold a constant value, regardless of season or travel destination. This point redemption model is the most transparent and user-friendly of the three.

Fluctuating points

The value of fluctuating points can be impacted by several factors, including travel destination and time of year. A point may carry less value when travelling during peak season instead of in the off-season. This model can make it challenging to determine the value of your points when trip planning. Look for any provider-issued charts or tables that outline what factors impact the value of your points.

Point transfers

Point transfers let you transfer points to affiliated rewards programs. This model may be useful for those trying to take advantage of multiple rewards programs. The catch? The value of your points may be different once they’ve been transferred, which means you’ll need to figure out the transfer ratio before you make a decision.

What to know about credit card travel insurance

For many, travel insurance is essential — especially when venturing outside Canada. While it’s likely the last thing you want to worry about when on vacation, medical emergencies happen. And your federal, provincial and territorial health plans may not cover the medical expenses you incur while travelling. That’s where travel insurance comes in.

Not only does travel insurance help cover medical expenses, it can also offer trip cancellation coverage, vehicle damage insurance, flight delay insurance and more.

You can get travel insurance from a third party, like a travel agent or insurance provider, but many travel credit cards offer it , too — and at no added cost to the cardholder.

Out-of-province travel emergency medical insurance

Travel medical insurance isn’t only for those travelling outside Canada; it can also provide coverage for those exploring another province or territory. Your provincial plan may not extend to emergency medical expenses incurred out of province. Out-of-province medical insurance can provide coverage for a range of medical needs and services, from prescription medication to emergency evacuations and hospital stays.

If your travel card offers out-of-province medical insurance, ask your provider about coverage limitations. Your medical expenses may not be covered if they’re the result of a pre-existing medical condition or high-risk activity, like bungee jumping or motorized racing.

Travel accident insurance

This type of insurance can be useful in the event of accidental injury or death while travelling on public or ticketed transportation, sometimes referred to as a common carrier. Some policies only cover accidents that happen on airplanes while others encompass a wider range of common transports, like trains, ships and buses.

Travel interruption/cancellation insurance

Trip cancellation coverage reimburses non-refundable travel expenses if your trip gets cancelled. Eligible cancellation circumstances may include dangerous weather conditions, pregnancy complications or the death of an immediate family member.

Trip interruption coverage activates once you’ve departed and reimburses non-refundable travel expenses if your trip is cut short. Again, not every circumstance will qualify for trip interruption coverage. Covered reasons for heading home ahead of schedule are often similar to those that qualify for cancellation coverage.

Flight delay insurance

Flight delays are frustrating, but they happen. If your flight is postponed and you need to book a place to stay or grab a bite to eat while you wait, flight delay insurance may reimburse those costs.

Lost/delayed baggage insurance

If your bags are delayed, this type of insurance will cover the cost of essential items you may need to purchase — like clothes or toiletries — while you wait for your bags to arrive. And if your bags are lost outright, you may be covered up to a predetermined amount for your lost property.

Rental car collision/loss damage insurance

If you plan to rent a car on your next trip, collision and damage insurance may come in handy. This insurance covers costs associated with theft or damage to your rental car. But it doesn’t replace liability insurance — the insurance that provides coverage if you injure someone or damage another vehicle on the road.

Your personal auto insurance policy may come with liability insurance that extends to rental vehicles, but contact your insurance provider to confirm you’re covered before you hit the road.

To take advantage of your credit card’s collision and damage insurance, you’ll need to decline coverage offered by your car rental company.

Hotel/motel burglary insurance

If your hotel or motel room is broken into while on the road, this coverage will reimburse you for the loss of stolen goods up to a set amount. Not all stolen items may be eligible for reimbursement.

How to choose the right travel credit card

Every credit card is good for at least one thing, so deciding on which card is best for you can be difficult. Here are some important criteria you can use to compare different travel credit card options.

Welcome bonus

If you’re trying to decide between several travel cards with similar rewards, the tiebreaker can often be the sign up bonus. Some credit cards offer a generous welcome offer that covers the annual fee or jumpstarts your rewards collection with thousands of free points or miles.

Every credit card has a base earn rate, but many of the best travel credit cards in Canada have an increased earn rate for specific bonus categories — like the TD First Class Travel Visa Infinite Card , which offers up to 8x the points per dollar spent on travel through its online Expedia portal.

If you have a general travel credit card, you could earn extra points on categories such as groceries, gas, pharmacies and more, like the Scotiabank Passport Visa Infinite Card , which offers 2x the points on food, drink and groceries . The earn rate is essential since choosing a card that lines up with your spending habits can quickly increase the number of points or miles you earn.

If you’re firmly against paying an annual fee for your credit card, you’ll instantly narrow down your choices. That said, there are some instances where an annual fee is worth the cost . Travel credit cards with a yearly fee typically have more benefits than their fee-free counterparts.

Reward flexibility

Having a lot of points is meaningless if it’s hard to redeem them. Look for a loyalty or rewards program where you know you’ll be able to use your points without much trouble. This means programs with no blackout dates and multiple redemption options.

You’ll also want to consider whether the program has any transfer partners, as that’s another way to use your points. Additionally, knowing if and when your points expire is key to ensuring you don’t lose your hard-earned rewards.

Perks and benefits

Besides the type of rewards, welcome bonus and earn rate, additional perks may sweeten the deal and sway your decision.

“Lounge access is always very important,” says Scheck. “It’s nice to have as you’re catching your flight. It’s a little bit quieter — a bit of an oasis from the rest of the airport.”

Another make-or-break consideration? Foreign transaction fees. Scheck says they can really add up, especially if you’re making a lot of transactions while travelling. A card with no transaction fees, like the Scotiabank Gold American Express Card, can help you save in the long run.

Scout for travel card perks when comparing your options: 

  • Seat upgrades.
  • Room upgrades.
  • Premium lounge passes.
  • Entertainment ticket presale access.
  • Car rental discounts.
  • Priority check-in and boarding.
  • Various types of credit card insurance.

How to apply for a travel rewards credit card in Canada

Make sure you’re eligible.

Different travel credit cards have different eligibility criteria, so check whether you meet a card’s requirements before you begin the sign-up process. Here are some general eligibility criteria you may encounter when applying for a travel credit card:

  • Canadian resident with a Canadian credit file.
  • Age of majority in the province or territory where you live.
  • Minimum annual income thresholds.

Fill out the application

When you apply for a credit card , you’re typically able to follow an online application process that can be completed from the card issuer’s website. Here’s a general rundown of the application process:

  • Review the card’s details, terms and conditions.
  • Enter your personal information, including your full name, date of birth, residential address and mobile phone number.
  • Enter your Social Insurance Number.
  • Enter your financial information, including your annual income and monthly expenses.
  • Verify your identity by submitting photos of your original government-issued ID, like your passport or Driver’s Licence.
  • Review the information you’ve supplied and submit your application.

Keep in mind that applying for a credit card may impact your credit score .

Tips to maximize your travel credit card rewards

If you’ve decided that a travel credit card is for you, follow these few tips to ensure you get the most out of your credit card rewards .

  • Pay your bills in full and on time, so you don’t pay any interest.
  • Make sure you meet the minimum spending requirement to get your welcome bonus.
  • Pay attention to your earn rate and use your rewards card on purchases that earn extra points.
  • Research your rewards program so you know what you can do with your points or miles.
  • Calculate the value of your points before making a redemption.
  • See if your loyalty program has a partner network where you can earn additional points.

Although choosing a travel credit card may require you to do some research, the value you get is often worth it. Getting free stuff on points feels great, especially if it’s something you’ve been saving a long time for. Back to Top

FAQs for Canada’s Travel Reward Credit Cards

Yes, travel credit card rewards can expire. Most loyalty programs that belong to an airline or hotel have a defined expiry date of 12 – 18 months. However, that only applies if there’s been no account activity in your account during that time. If you earn or redeem just one point during that time, your clock would reset.

When it comes to bank rewards programs, your points may never expire as long as your credit card account is in good standing. Of course, your account would only fall out of good standing if it becomes delinquent or you use your credit card for fraudulent activity.

In most cases, a good credit score — generally 660 to 724 — is required to get the best travel credit cards. However, some secured credit cards and prepaid options offer rewards, and are more suitable for people with lower credit scores.

About the Authors

Shannon Terrell is a lead writer and spokesperson for NerdWallet, where she writes about credit cards and personal finance. Previously, she was a writer, editor and video host for financial…

Barry Choi is a freelance personal finance and travel expert. His website moneywehave.com is one of Canada's most trusted sites when it comes to all things related to money and…

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