Canada is a preferred destination for Indians for its breathtaking natural beauty, high standards of living, higher education facilities and career opportunities. However, both short trips and long stays to this country carry risks such as medical emergencies, accidents, lost baggage and missed flights, making travel insurance an essential safety tool.
Canada’s high cost of healthcare makes it necessary to buy travel insurance with a high sum insured. With many options available, learn how to choose the right plan for your needs and budget. Read through this guide to understand the cost and coverage of travel insurance to Canada and check the most affordable plans.
Is Travel Insurance Mandatory for Visitors to Canada
Travel insurance is not mandatory for standard tourist and short–term visas. However, having travel insurance cover is strongly recommended, as the country’s public healthcare system does not provide free medical care to visitors. Canada also has a high cost of living and medical inflation.
Note that travel insurance Canada is mandatory only when you apply for a Super Visa, which allows parents and grandparents of Canadian citizens to stay for up to 5 years. It requires at least CA$100,000 of private health insurance for at least one year from the date of entry.
How Much Does Travel Insurance to Canada Cost?
The cost of travel insurance for Canada varies from one insurance provider to another. The premium depends on your age, trip duration, number of trips covered, sum insured amount, add-ons selected and pre-existing medical conditions (if you have any). Younger travellers and large families can get discounts when they buy travel insurance plans for Canada.
What Does Travel Insurance for Canada Cover?
Here is what most Canadian travel plans cover:
- Emergency Medical Treatment: Covers hospitalisation and emergency room visits for sudden illnesses and accidents.
- Medical Evacuation: Pays for transporting you to the nearest hospital or your home city.
- Accidental Death and Dismemberment: Pays a lump sum for accidental death or serious injury.
- Flight Cancellation and Delays: Covers the non-refundable costs of flight tickets.
- Baggage Delay or Loss: Compensates you for delayed or lost checked-in baggage.
List of the Cheapest and Best Travel Insurance Plans for Canada
Check our curated list of the most affordable travel insurance plans for Canada:
| Name of the Insurer | Top Travel Insurance Plans for Canada | Starting Premium | What’s Covered | Additional Benefits |
| TATA AIG | TATA AIG Travel Insurance – International Plus (Single-Trip and Annual Multi-trip options available) | ₹22.5 per day | Unlimited sum insured of up to US$1 million per incident in medical coverage. Also covers accidental death, lost and delayed baggage, lost passport, trip cancellation, and more | Policy purchase in minutes Visa-ready travel plans No medical tests required Global cashless treatments 24/7 claim support |
| HDFC Ergo | Individual, Multi-Trip, Family and Senior Citizen Travel Insurance Plans | ₹31 per day | Sum insured up to US$1 million. Covers medical emergencies, trip cancellation, baggage loss/theft, personal accident and more | Covers COVID-19 hospitalisation No health checkups required 1 lakh+ cashless hospitals 24/7 in-house claim assistance Dedicated claims approval team |
| Acko | International Travel Insurance | ₹45 per day | Delayed baggage, flight cancellation, passport loss, emergency hospitalisation, evacuation, etc. | Customisable coverage options Visa-compliant comprehensive travel cover 1 lakh+ global network hospitals No medical tests needed Quick claim support |
| Care Insurance | Individual, Family, Student, Senior Citizen and Single and Multi-Trip Plans | ₹37 per day | Covers emergency hospitalisation, personal accident, compassionate visit, trip delays and cancellation, etc. | Cross-border cashless coverage 15-day free-look period Family coverage options Dedicated third-party service providers 24/7 claim and customer support |
| IndusInd Insurance | Single-Trip, Multi-Trip, Senior Citizen, Individual, Family and Student Travel Insurance Plans | ₹306 per trip | Up to US$500,000 covered. Covers emergency treatment, accidental liability, delay coverage, lost passport, trip delays, and more | Cashless hospitalisation No medical checkups Instant policy issuance Hassle-free claims 24/7 assistance services |
Final Words
When you are preparing for your Canadian trip, remember to get a robust travel insurance plan. A good plan should provide sufficient coverage for Canada’s high costs without breaking the bank. Take your time comparing Canadian travel insurance plans to find the best plan offering the highest medical coverage, accessible cashless treatments and reliable services in a foreign country.
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