Most trips
Single-trip medical
Emergency medical cover for one trip, for exactly the days you're away.
Interactive tool
What Would OHIP Pay If You Got Sick Abroad?
Enter a possible hospital stay and what the hospital charges. We'll show what OHIP pays and what you'd owe without travel insurance.
Choose your cover
Types of Travel Insurance
People who travel often
Multi-trip annual
Covers every trip in a year, up to a set number of days per trip.
Retirees and long visits
Snowbird / long stay
Longer trips, such as a winter in the U.S., with options for pre-existing conditions.
Expensive or non-refundable trips
Trip cancellation & interruption
Pays back prepaid costs if you must cancel or come home early for a covered reason.
Package holidays
All-inclusive package
Medical, cancellation, interruption and baggage in one policy.
Long trips beyond your plan
Top-up
Extends coverage from a work or credit card plan that doesn't cover the whole trip.
Before you go
6 Tips Before You Buy Travel Insurance
- Check what you already haveGroup benefits or a credit card may include some travel medical cover, often with day and age limits.
- Cover every day you're awayCount from the day you leave to the day you get home, including travel days.
- Declare health conditions honestlyPre-existing conditions are covered only if stable as the policy defines it.
- Make sure repatriation is includedOntario says OHIP doesn't pay to bring you home; your policy should.
- Know the emergency numberMost policies want you to call the assistance line before treatment.
- Buy early if you have prepaid costsCancellation cover usually needs to be bought soon after you book.
Family visiting you in Canada?
That's visitor insurance, a different product. Compare plans and use our visitor planner.
Visitors to Canada insuranceParents on a Super Visa?
IRCC requires $100,000 for one year from entry.
Super Visa insurance requirementsRead the fine print
Pre-existing conditions, deductibles and exclusions decide what gets paid.
10-point plan details checkerCommon questions
Travel Insurance in Canada: FAQs
Do I need travel insurance if I have OHIP?
Yes. Outside Canada, OHIP pays at most $400 a day for high-level emergency inpatient care, $200 a day for lower levels of care, and up to $50 a day for emergency outpatient care. Ontario says it's essential to buy travel medical insurance before you leave.
Does OHIP pay to fly me home if I get sick abroad?
No. Ontario says OHIP doesn't cover transfer to an Ontario hospital. A travel medical policy with repatriation cover pays for the trip home for medical reasons.
How much does travel insurance cost in Canada?
It depends on your age, trip length, destination, health and the coverage you choose. Use the live quote form on this page to see prices from Canadian insurers.
Is travel insurance needed for trips to the U.S.?
Strongly recommended. U.S. medical care is among the most expensive in the world, and provincial plans pay only a small part of it.
Are pre-existing conditions covered?
Many plans cover pre-existing conditions that were stable for a set period before you leave. The definition of 'stable' and the period differ by insurer and age.
What's the difference between single-trip and annual (multi-trip) insurance?
Single-trip covers one trip. Annual multi-trip covers every trip in a year up to a maximum length per trip, and is often cheaper if you travel several times a year.
Does my credit card travel insurance cover me?
Some credit cards include travel medical cover, but often with low age limits, short trip lengths or lower limits. Check the details, and buy a top-up if you need more days.
Do I need travel insurance to travel within Canada?
Provincial plans cover you in other provinces for many services, but not everything, such as some ambulance costs or prescriptions. Out-of-province travel insurance fills those gaps.
Can I buy travel insurance after I've left Canada?
Some insurers allow it with a waiting period; many don't. It's best to buy before you leave.
Do you sell travel insurance for visitors coming to Canada?
Yes, but that's a different product. See our visitors to Canada insurance page for family and friends visiting you.
Sources
Sources
- Ontario.ca: OHIP coverage while outside Canada (updated January 16, 2026)
- Government of Canada (travel.gc.ca): Travel insurance
Last reviewed October 18, 2026 by Pankaj Bhatia, PFA, CHS. OHIP amounts are for Ontario residents; other provinces' plans differ. Coverage, exclusions and prices differ by insurer and are set out in each policy.
Travel with peace of mind
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