Who has Cheap Travel Insurance for Trips to Canada?
While no single travel insurance company or policy is the best for everyone, we've analyzed dozens of travel insurance plans for trips to Canada to arrive at a selection of stand-out travel insurance policies, based on their features and prices. Read our research to help you find the best plan for you.
The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here.
Find Cheap Travel Insurance to Canada
Protect your holiday today. Quick quotes from 20 insurers.
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Best Cheap Travel Insurance to Canada
travelinsurance.co.uk, Coverforyou, Insure & Go, Sainsbury's, Explorer Travel -
Best Premium Travel Insurance to Canada
FortifyMyTravel, Coverforyou, Economycover.com -
Learning
How To Pick a Good Travel Plan to Canada
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Travelling to Canada with your family?
Here's what to look for from travel insurance -
Cost
How Much is Travel Insurance to Canada? -
Comparing
Summary of the Best Travel Insurance to Canada
Best Cheap Travel Insurance to Canada
Travel insurance to Canada can cost from £11.50 to £85, or more, for a healthy, young traveller going on a one-week trip. For those on a budget, the following plans stood out for relatively high levels of cover for features like Cancellation and Baggage for £20 or less for our sample 35-year-old traveller. As there is no one best travel insurance company or plan for everyone, please just use the information in this review to help you understand options and narrow down your choices.
Travelinsurance.co.uk: Super Saver
If your priority is locking in some cheap tourist health insurance for a trip to Canada, travelinsurance.co.uk's Super Saver plan provides up to £15 million of Emergency Medical cover for a starting price less than £11.50. With a budget plan like this, you don't get much cover for events like lost baggage (£500) or unexpected, emergency trip cancellation (£500). But if these limits are sufficient for your needs and/or you really just want to pay for Emergency Medical protection and not the other bells and whistles of a travel insurance plan (e.g., there is no cover for Baggage Delay, Travel Delay, SAFI, ESF, etc.), then the Super Saver plan might be a good option.
For another £2 or so, you can choose travelinsurance.co.uk's Saver plan which provides £1,000 of Cancellation and £750 of Baggage (and cover for Travel Delay). You can read more about the nuances of each plan in our in-depth review of travelinsurance.co.uk. Beware of the high excess of £250 that helps keep the prices low—you'll contribute more towards any claims than with many pricier plans. One perk is that you can add optional Gadget cover—£5.90 for £1,000 or £10.70 for £2,000 of cover.
- £15 million Medical, £500 Cancellation, £500 Baggage
- High £250 excess
- No Baggage Delay or Travel Delay
- Optional Gadget cover up to £1,000 or £2,000
- No SAFI/ESF
Coverforyou: Emerald and Ruby
In all price ranges, Coverforyou's plans stand out from the competition for quite high levels of Baggage and Cancellation cover relative to others in the market. For those looking to spend less than £20 for a trip to Canada, their Emerald plan provides £1,500 of Cancellation cover and £1,250 for Baggage. Luxury trips worth up to £6,000 can be covered by the Diamond plan, which also protects up to £3,000 of your baggage, for a starting price under £40—also a good deal for the amount of protection you get.
Coverforyou Travel Insurance Plans: Prices and Features
| Plan Name | Emergency Medical | Cancellation | Baggage | Est. Starting Premium to Canada |
|---|---|---|---|---|
| Emerald | £15 Million | £1,500 | £1,250 | £17 |
| Ruby | £15 Million | £3,000 | £2,000 | £23 |
| Diamond | £15 Million | £6,000 | £3,000 | £39 |
Holidaymakers wanting insurance for gadgets like mobile phones, tablets and laptops can buy Coverforyou's optional Gadget cover providing either £1,000, £2,000 or £3,000 of extra gadget cover from £14. (Without this optional add on, there's no cover for gadgets.)
Cost of Coverforyou Extended Gadget Cover via Comparison Site
| Total Gadget Cover | Single Article Gadget Limit | Emerald | Ruby | Diamond | |
|---|---|---|---|---|---|
| Annual, Multi-trip | £1,000 | £500 | £22.25 | £31.75 | £36.75 |
| £2,000 | £750 | £33.75 | £47.75 | £55.50 | |
| £3,000 | £1,000 | £45.00 | £64.00 | £69.00 | |
| Single Trip Policies | £1,000 | £500 | £14.00 | £14.00 | £14.00 |
| £2,000 | £750 | £18.25 | £18.25 | £18.25 | |
| £3,000 | £1,000 | £22.25 | £22.25 | £22.25 |
Ruby plans include £2,500 of Scheduled Airline Failure (SAFI) cover; if you want this protection with the entry-level Emerald plan you'll need to buy an Annual, Multi-trip plan. Coverforyou's higher-end Diamond plan is discussed on the next section on premium travel insurance plans.
- High cover levels for the price
- Baggage Delay and Travel Delay
- Optional Gadget cover up to £1,000, £2,000 or £3,000
- Emerald: £2,500 SAFI on Annual plans
- Ruby: £2,500 SAFI
Insure & Go: Light Premium
Insure & Go's Light Premium plan offers up unlimited Emergency Medical cover, £2,000 of Cancellation and £1,250 of Baggage cover for prices starting from less than £20 for a healthy, young adult.
To protect your gadgets when you're in Canada from loss, theft or damage, you can buy Insure & Go's optional Valuables Extension—for a Single trip to Canada you'd pay £5.90 for £1k or £10.70 for £2k of total Gadget cover. More premium plans are available from Insure & Go as well, if you need higher cover levels for your Baggage and non-refundable travel/accommodation costs.
- Baggage Delay and Travel Delay
- Optional Gadget cover up to £1,000 or £2,000
- £4,000 SAFI
- No ESF
Sainsbury's Bank: Standard & Premier
Sainsbury's Bank's travel insurance plans also represent good value for trips to Canada. The top two tiers, Standard and Premier, provide £1,500 and £2,000 of Baggage and £3,000 and £5,000 of Cancellation, respectively. Both plans include £1,500 of SAFI; top-tier Premier also covers £1,500 of ESF cover.
While gadgets aren't covered under standard Valuables, you can buy Optional Gadget cover of £2,000 on the Standard plan and £3,000 on the Premier plan. Catastrophe cover—a relatively high amount of £3k or £5k—is also available through an optional add-on feature called "Travel Disruption Cover".
- Baggage Delay and Travel Delay
- Optional Catastrophe/Travel Disruption up to £3k (Standard) or £5k (Premier)
- Optional Gadget cover up to £2k (Standard) or £3k (Premier)
- SAFI & ESF
Explorer Travel: Gold Plus
Providing £2,500 of Cancellation cover and £1,500 of Baggage cover, Explorer Travel Gold Plus plans can insure budget trips to Canada for a starting price of less than £20. Whilst phones and laptops are covered via the Valuables section, there's a pretty low limit of only £200—and there is NOT an optional add-on Gadget feature to top up your cover. Those wanting to insure their gadgets through travel insurance need to look elsewhere. But you do get £1,000 of Catastrophe cover to help protect you from expenses should a natural disaster impact your holiday.
- Baggage Delay and Travel Delay
- Catastrophe up to £1k
- Phone/laptop covered up to £200 through Valuables
- £1k SAFI
- No ESF
Premium Travel Insurance to Canada
Those insuring more expensive holidays with non-refundable travel and accommodation costs over £5,000 and/or luggage worth more than £3,000 will pay in the range of £30 to £90 for sufficient cover for a one-week trip to Canada. We've selected some plans from our study that seem to offer good value for money.
Annual Travel Insurance for Canada and Worldwide: AA
While both of AA travel insurance's travel insurance plans produce good value, with the top-tier Standard plan costing around £65 for Worldwide, Annual, Mutli-Trip cover, which offers much wider coverage than a Single trip plan.
We particularly like the features and higher limits of the top-tier Standard plan, as it also covers Financial Failure, Delayed Departure, Abandonment, Hospital Benefit, Hijacking and Mugging, as well as cover for longer trip lengths. (Both plans include some level of cover for Missed Departure, Emergency Medical, Baggage/Possessions, Personal Liability and Legal Advice.) Plus, the Standard plan may cover your pre-existing conditions—potentially helpful for those with a medical issue.
We would recommend that you consider adding the Travel Disruption Extension to protect against events like natural disasters. With this option (cost approx. £10), the Standard policy offers quite comprehensive travel insurance for a good price.
- Competitive premiums
- Can add Travel Disruption (e.g., due to Adverse Weather/Natural Catastrophes) for extra cost
- Financial Failure cover
- Lower Baggage limits
- No cover for trips bought with frequent flier miles/points
Best Cheap Travel Insurance to Canada: Admiral
Admiral's Single Trip Gold and Platinum plans covering Canada include Catastrophe cover, in addition to Trip Delay/Missed Departure, Legal Assistance and Personal Accident. Platinum plans also include Hijack cover and Cruise cover as well. Optional Winter Sports cover can add £10 to £15 to the cost of a policy for up to 17 days of travel, per policy term.
- Competitive premiums
- Catastrophe included on mid- and top-tier plans ("Gold" and "Platinum")
- No Insolvency cover
- Low-tier "Admiral" plans don't include Catastrophe cover
FortifyMyTravel: Premier and Premier Plus
For those with more pricey travel and accommodation arrangements, FortifyMyTravel offers some of the best deals of £5,000 and £10,000 of Cancellation cover. With these plans, Premier and Premier plus, you get Baggage cover of a respectable £2,000 or £3,000, respectively, and the same amounts for Catastrophe cover to help protect you should a natural disaster impact your holiday. But there's no SAFI, ESF or mobile phone cover with FortifyMyTravel.
- Baggage Delay and Travel Delay
- Mobile phones not covered. No Gadget option.
- £2,000 or £3,000 Catastrophe cover
- No SAFI/ESF
Coverforyou: Diamond
Mentioned in more detail in the previous section as a stand-out amongst solid, cheap travel insurance plans, those needing higher levels of cover might do well with another of Coverforyou's's travel insurance plans: our research showed that Coverforyou Premier was the cheapest plan to offer £6k of Cancellation and £3k of Baggage, with starting prices from £32.
Additionally, you get £2,500 of Scheduled Airline Failure (SAFI) and End Supplier Failure (ESF) cover, which again is pretty unique at that price point. Unexpected, adverse weather conditions causing delay or cancellation may be covered subject to conditions; volcanic eruptions and/or volcanic ash clouds are not covered.
- High cover levels for the price
- Baggage Delay and Travel Delay
- Optional Gadget cover up to £1,000, £2,000 or £3,000
- £2,500 SAFI/ESF
Economycover.com: Premier Plus
Economycover.com's Premier Plus plan offers a higher level of cover for financial failure, with £5,000 of SAFI and £2,000 of ESF cover. For a starting price to Canada under £50 you get £8,000 of Cancellation and £5,000 of Baggage—definitely some of the best cover limits in that price range. While there's no extra Gadget add on available, gadgets are covered up to £400 through the Valuables section.
- Baggage Delay and Travel Delay
- Baggage Delay and Travel Delay
- £1,000 Catastrophe
- £5,000 SAFI
- £2,500 ESF
Travel Insurance to Canada for Families
Lost luggage, travel delay, and medical accidents can feel even more stressful when you have children in tow. There are two features in particular to look out for that are not included on all plans, which can make life a bit better in the case of some travel mishaps: Baggage Delay and Travel Delay. Baggage Delay cover can cover you for essentials (e.g., nappies, clothing, etc.) you need to buy if your bags are lost or delayed. Travel Delay cover can provide reimbursement for food if you're flight is delayed for over 12 hours. More than other travelling groups, we think travel insurance is critical for a family on the go, to help them ease the burden of a holiday mishap.
Generally speaking, when it comes to travel insurance, children often travel free. That is, travel insurance for a family of 4 (2 adults, 2 kids) costs roughly 2X the cost of an individual, adult traveller. If only the airlines charge accordingly! With the exception of travelinsurance.co.uk's plans (the cheapest here), the travel insurance plans mentioned on this page offer some level of travel delay and baggage delay cover—critical for families, we think.
Cost of Travel Insurance to Canada
The cost to protect holidays in Canada ranges widely; a healthy, young adult can expect to pay an average of £32 for a 1-week stay, but the cheapest cover costs as little as £15 or so. A family of four will pay £70 on average or just £34 for a budget plan.
Prices are largely a function of the overall Medical, Baggage and Cancellation limits, as you can see below. And cheaper plans typically have a higher excess, resulting in you contributing more towards any claims. To a large extent, you get what you pay for.
Single Trip Travel Insurance Premiums to Canada: leave in six months, stay 1 week
| Premium | Emergency Medical (millions) | Cancellation | Baggage | Excess | |
|---|---|---|---|---|---|
| 35-year-old Individual | |||||
| Average of 20 Cheapest | £15.90 | £13.10 | £1,063 | £968 | £183 |
| Average Overall | £31.8 | £12.90 | £2,774 | £1,750 | £112 |
| Family of Four | |||||
| Average of 20 Cheapest | £34.30 | £11.75 | £1,175 | £980 | £186 |
| Average Overall | £68.9 | £13 | £2,769 | £1,735 | £113 |
If you'd like information on the cost of travel insurance to North America that already includes coverage for winter sports, please see our article Average Cost of Winter Sports Insurance UK.
Travel Insurance to Canada: Why it's Important
A British tourist to Canada needs health insurance, as there is no reciprocal health agreement in place between the UK and Canada. If you fall ill or become injured whilst in Canada you'll be responsible for paying the medical bills, which can be very expensive like in America.
It is standard practice for travel insurance policies to include some amount of Emergency Medical coverage, usually in the millions of pounds, which can reimburse you for health care bills incurred as the result of an accident or unexpected illness while you're abroad. Pre-existing conditions are generally not covered unless they are declared and accepted. In many cases, you'll need to pay extra to have your pre-existing condition covered, the cost of which will depend on factors like the particular condition, if you are currently being treated, etc.
In addition to medical cover for unexpected health issues, travel insurance can cover non-refundable travel and accommodation expenses should your trip be unexpectedly canceled or cut short due to certain emergency situations. As flights to Canada alone can easily cost £500 or more, this can be a valuable feature. Baggage cover will reimburse you for luggage that is lost, damaged or stolen during your travels, subject to conditions.
To help you decide which travel insurance plan is best for you, we've analysed over 100 travel insurance plans from dozens of insurance providers for Single Trip travel insurance to Canada. Choosing the best travel insurance for your needs will depend on factors like price points and features that you might find valuable.
Going to Canada to Ski or Snowboard?
If your trip to Canada involves skiing or snowboarding, be sure to add Winter Sports cover on to your travel insurance policy. In most cases, you'll need to pay extra for the cover. Winter Sports cover typically provides reimbursement for piste closures, lost ski equipment and medical expenses if you're injured in a skiing or snowboarding accident.
Some insurance providers will invalidate the rest of your travel insurance if you participate in any Winter Sports but you have not purchased the Winter Sports add-on cover—this would result in loss of cover across all other areas of cover such as Cancellation cover, lost Baggage or non-sport-related accidents or illnesses for your entire trip. There are a few providers who include Winter Sports cover as standard on some annual plans—insureandgo and Virgin Money, to name a few.
Summary of Best Travel Insurance to Canada
Here is a recap of plans that stood out to us due to their features and cost for good value travel insurance plans for trips from the UK to Canada. They might not be the best for you though.
Average Cost of 1-Week Travel Insurance to Canada from the UK
| Insurer | Policy Name | Excess | Emergency Medical | Cancellation | Baggage | Starting Premium |
|---|---|---|---|---|---|---|
| Travelinsurance.co.uk | Super Saver | £250 | £15 Million | £500 | £500 | £11.5 |
| CoverForYou | Emerald | £95 | £15 Million | £1,500 | £1,250 | £17.0 |
| InsureandGo | Light Premium | £80 | Unlimited | £2,000 | £1,250 | £19.2 |
| Explorer Travel Insurance | Gold Plus | £100 | £5 Million | £2,500 | £1,500 | £19.3 |
| Virgin Money | Standard | £99 | £15 Million | £2,000 | £1,500 | £19.6 |
| Sainsbury's | Standard | £95 | £12.5 Million | £3,000 | £1,500 | £20.5 |
| Zurich | Enhanced | £95 | £10 Million | £3,000 | £1,500 | £22.6 |
| CoverForYou | Ruby | £50 | £15 Million | £3,000 | £2,000 | £23.0 |
| fortifymytravel | Premier | £115 | £10 Million | £5,000 | £2,000 | £26.4 |
| Sainsbury's | Premier | £70 | £15 Million | £5,000 | £2,000 | £28.7 |
| CoverForYou | Diamond | £50 | £15 Million | £6,000 | £3,000 | £39.0 |
| fortifymytravel | Premier Plus | £50 | £25 Million | £10,000 | £3,000 | £44.7 |
| economycover.com | Premier Plus | £45 | £20 Million | £8,000 | £5,000 | £50.0 |
If you're interested in comparing the cost of travel insurance to other countries, see our other country-specific travel insurance studies:
If you'd like to get quotes for some of the plans mentioned on this page, and more, please click on the link below.
Find Cheap Travel Insurance to Canada
Protect your holiday today. Quick quotes from 20 insurers.