Traveling can be an exhilarating experience, but it’s not without its risks. Whether it’s a sudden medical emergency or a trip disruption, unforeseen events can quickly turn your holiday plans upside down. That’s where travel insurance becomes essential. But with so many options available in Canada, how do you choose the best coverage for your needs?
In this post, we’ve reviewed 15 of the top travel insurance providers in Canada—including trusted names like Manulife, Allianz, TuGo, and Blue Cross—so you can make an informed decision for your next adventure.
From frequent flyers to snowbirds, and from families to solo travelers, we’ve analyzed each insurer based on key factors like coverage, customer satisfaction, and overall pricing to help you find the right plan.
1. Allianz Global Assistance Canada
Allianz is one of the most recognized travel insurance providers globally. Their plans include comprehensive medical coverage and the option to upgrade with a Cancel for Any Reason (CFAR) feature, offering added flexibility. With coverage up to CAD 5 million, Allianz is perfect for frequent travelers.
Pros:
- High medical limits
- Flexible multi-trip packages
- 24/7 multilingual support
Cons:
- CFAR upgrades increase costs
- Strict cancellation terms
Pricing: CAD 70–150/week (single trip), CAD 200–400/year (annual plan)
Rating: 4.2/5 – Reliable but with a slightly higher cost for flexibility.
2. TuGo Travel Insurance
TuGo offers customizable coverage tailored to adventure seekers and solo travelers. Known for its digital-first approach, TuGo lets you adjust your policy to fit your specific needs, such as adding coverage for activities like scuba diving or snowboarding.
Pros:
- Customizable plans
- Efficient digital claims processing
- Great for high-risk or outdoor activities
Cons:
- Limited international recognition
- Higher premiums for adventurous profiles
Pricing: CAD 60–120/week (basic), CAD 100–200/week (with adventure coverage)
Rating: 4.3/5 – Ideal for tech-savvy and active travelers.
3. Manulife Travel Insurance
Manulife provides solid coverage with the added benefit of integrating with their Super Visa and family plans. They’re known for covering pre-existing stable conditions and offering easy renewal processes, making them a favorite for structured travelers.
Pros:
- Comprehensive medical and trip protection
- Covers stable pre-existing conditions
- Smooth digital processes
Cons:
- Less flexible for last-minute travelers
- Limited coverage for high-risk activities
Pricing: CAD 50–100/week (basic), CAD 80–160/week (with trip interruption)
Rating: 4.1/5 – Reliable but not ideal for spontaneous trips.
4. Alberta Blue Cross
Blue Cross specializes in regional coverage and is particularly well-suited for seniors, offering benefits like emergency dental and ambulance coverage. Their plans come with no maximum age limit, making them a strong choice for older travelers and snowbirds.
Pros:
- No age limits for emergency plans
- Excellent support for seniors
- Includes emergency dental and ambulance coverage
Cons:
- Outdated website and claims portal
- Limited flexibility with add-ons
Pricing: CAD 40–90/week (basic), CAD 100–150/week (with dental/ambulance)
Rating: 4.0/5 – Great for seniors, but a bit behind in technology.
5. CoverMe by Manulife
CoverMe offers clear and affordable visitor-to-Canada insurance, with the added benefit of covering pre-existing conditions. It’s ideal for families and long-term visitors, providing flexible deductible options.
Pros:
- Affordable plans for visitors
- Clear deductible options
- Covers pre-existing conditions
Cons:
- Variable customer service experience
- Fewer add-ons compared to mainstream plans
Pricing: CAD 80–150/week (depending on deductible), CAD 150–250/week (higher limits)
Rating: 4.1/5 – Smart and cost-effective for long stays, though support may vary.
6. GMS (Group Medical Services)
GMS offers budget-friendly options and is particularly suited for those needing Super Visa or visitor coverage. They provide up to CAD 2 million in emergency medical coverage and are known for fast claims processing.
Pros:
- Affordable plans
- Fast claim processing
- Excellent for Super Visa holders
Cons:
- Limited recognition outside of Saskatchewan
- Fewer bundled options
Pricing: CAD 38–55/week (single trip), CAD 1,700/year (Super Visa)
Rating: 4.2/5 – Great for budget-conscious travelers, especially Super Visa applicants.
7. Blue Cross Canada
Blue Cross is widely known for its strong medical coverage, especially in North America. Their plans are perfect for travelers frequently crossing the Canadian-U.S. border, as they offer high hospital acceptance and pre-existing condition coverage.
Pros:
- Extensive coverage across North America
- No age limit for emergency medical coverage
- Simple online quote system
Cons:
- Premiums can be slightly higher than others
- Regional differences in benefits
Pricing: CAD 60–80/week (single trip), CAD 190/year (annual plan)
Rating: 4.4/5 – Trusted for cross-border travel, though slightly pricier.
8. World Nomads
World Nomads is a top choice for adventurous travelers. Their coverage includes over 150 activities and sports, making them perfect for those who love scuba diving, hiking, or volunteering abroad.
Pros:
- Extensive coverage for adventure sports
- Worldwide coverage
- Flexible trip extensions
Cons:
- Higher premiums
- No Canadian call center
Pricing: CAD 95–135 for a 2-week adventure trip
Rating: 3.9/5 – Great for adventure travel but not for typical vacations.
9. RSA Travel Insurance
RSA offers travel insurance through Johnson Insurance. While it’s not as well-known in the direct-to-consumer market, RSA provides solid coverage for those who already have home or auto insurance with Johnson.
Pros:
- Bundling discounts available
- Good for students and snowbirds
- 24/7 emergency assistance
Cons:
- Limited online availability
- Weak brand recognition
Pricing: CAD 42–60/week (single trip), CAD 160/year (annual)
Rating: 3.8/5 – Best bundled with other insurance.
10. Destination Canada Visitors Insurance
Destination Canada offers medical insurance tailored for visitors to Canada. With coverage up to CAD 300,000 and flexible deductibles, it’s a great option for newcomers awaiting provincial health coverage.
Pros:
- High coverage limits
- Flexible deductible options
- Monthly payment plans for long stays
Cons:
- Only emergency medical coverage
- Strict documentation for refunds
Pricing: CAD 1.50–2.50/day (basic), CAD 3.00–4.00/day (high coverage)
Rating: 4.2/5 – Great flexibility and high limits, but limited in extra-trip benefits.
Final Thoughts
When selecting a travel insurance plan, it’s important to consider more than just the price. The right coverage ensures peace of mind, protects against unexpected costs, and allows you to focus on enjoying your trip. Choose a provider that fits your needs, whether you’re traveling for leisure, work, or a long-term stay in Canada.
By comparing coverage, pricing, and support, you’ll be able to select the perfect travel insurance policy for your next adventure. Happy travels!
