Travel insurance for Canada

Whether you’re planning a skiing holiday in Canada or a trip to a big-name sight such as Niagara Falls, travel insurance for Canada needs to be top of your holiday to-do list.

Not only will this essential financial protection be invaluable should something go wrong on your holiday, such as an accident or the loss of your belongings, but if you buy it as soon as you’ve booked your holiday, you’re likely to be covered should something unexpected cause you to cancel.

Before you buy, you should always compare travel insurance for Canada on a site such as TravelSupermarket to ensure you’re covered for all of your essentials and to find a competitive price.

Don’t be tempted just to tick the travel insurance box and buy any cheap travel insurance for Canada. Make sure the policy you buy includes at least:

• Medical cover – the UK doesn’t have a reciprocal healthcare agreement with Canada and the cost of medical treatment for visitors can be high, so medical bills can soon add up. So, make sure your policy covers you adequately in the event of emergency.
• Repatriation to the UK
• Lost and stolen luggage – unfortunately, belongings can go missing while you’re away so ensure any holiday insurance for Canada you take out includes sufficient amounts for both the overall cost and individual items.
• Cancellation and curtailment cover – should something unexpected cause you to cancel your holiday before you go – such as the death of a close relative or redundancy – you may be able to claim the cost of your holiday back through your travel insurance. Canada holidays aren’t known for being cheap so ensure any policy you take out includes cover for at least the cost of your trip, plus any excursions.
• Personal liability – this will cover you should you accidentally injure someone or damage their property and they make a claim against you.
• Missed departure cover – in case something out of your control causes you to miss your flight.

If you’re not travelling on an ATOL-protected package holiday, you should also look for policies with scheduled airline failure or end supplier failure to protect you should your airline, hotel or other provider go bust. Catastrophe cover is another item to consider as this will cover you should an earthquake or another natural disaster disrupt your travel. And delay cover might be worth looking at as well.

While you’re comparing all of your options, pay attention to the excess amount on the policies you’re considering. This is what you’ll have to pay if you make a claim. We recommend looking for amounts less than £100 where possible.