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What type of insurance do I need for International Experience Canada?

For International Experience Canada , you must have health insurance for the entire time you are in Canada. The health insurance must cover

• medical care;
• hospitalization; and
• repatriation.

We recommend you buy this insurance only after you receive your port of entry (POE) letter. We can’t recommend specific insurance companies or plans, but you can search online for something that meets your needs.

You may be refused entry if you don’t have insurance. If your insurance policy is valid for less time than your expected stay in Canada, you may be issued a work permit that expires at the same time as your insurance.

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Answers others found useful

• Can I come to Canada before I receive my POE Letter?
• Can I change employers if I have an International Experience Canada work permit?
• Can I extend my International Experience Canada work permit?
• Can I stay in Canada as a tourist after my work permit expires?

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• Application to work in Canada

Glossary term

• Work permit

The Best Travel Insurance for Canada: IEC Working Holiday

The International Experience Canada (IEC) Working Holiday program offers young people the chance to live and work in Canada for up to two years. It is an amazing opportunity but there is a couple of rules to abide by when taking part in the IEC.

One of these is the program requirement to have comprehensive health insurance while in Canada.

This article will help you find the best travel insurance for Canada. I moved to Canada on the IEC program and I’ve helped thousands of people do the same since then.

Last updated November 2023 . This post includes some affiliate links – if you make a purchase via one of these, we may receive a small percentage of the sale.

The importance of travel insurance for Canada

As mentioned, it is a mandatory part of the IEC program to have health insurance for the length of your stay in Canada.

If you go to Canada without appropriate IEC travel insurance,  you may receive a shortened work permit and/or be refused one altogether.

Those who do receive a shortened work permit are unable to extend or adjust the work permit later. This happens to more people than you would think!

As per the IEC rules , your health insurance for Canada must cover:

• medical care,
• hospitalization, and
• repatriation (returning you to your country in the event of severe illness, injury or death).

Be sure to buy the best travel insurance for Canada.

Taking part in the IEC program is a once-in-a-lifetime opportunity for most people – don’t waste this opportunity.

Thinking beyond the IEC requirement for insurance, you should also be aware that medical care in Canada can be very expensive.

Emergency room visits for relatively simple injuries can easily run up a bill of thousands of dollars.

Saving money on buying travel insurance for Canada can turn out to be an expensive mistake.

Options for IEC travel insurance

Read on for my research into the best IEC travel insurance for Canada.

Please research each company to ensure that the coverage is right for you. The specifics of the coverage can change at any time. Read the policy wording to make sure that you are covered.

UK and EU citizens – True Traveller

I used True Traveller insurance for my working holiday in Canada.

Travel insurance policies with True Traveller are available up to 24 months in length. Policies can be started if you are already travelling.

Unlimited visits home are also allowed, with the insurance cover being suspended when in your home country. Winter sports coverage is available and there are no minimum residency requirements.

92 activities are covered as standard with True Traveller, including horse riding and bungee jumping. If you need coverage for more activities (such as rock climbing), an additional activity pack can be selected.

An alternative to True Traveller for UK citizens is Go Walkabout . Working Holiday cover is available for 2 years with 3 years available soon. Unlimited visits home are allowed with ski coverage available for an additional premium (Activity Pack 4).

Australian citizens – Fast Cover and HeyMondo

With Fast Cover , an initial IEC 12-month policy can be purchased and then extended for another 12 months on the departure date.

Optional winter sports coverage is available for an additional fee. Fast Cover policies cannot be started when already abroad.

HeyMondo offers single trip policies up to 12 months in length. Coverage for Covid-19 is included as standard as well as up to $10 million for emergency medical and dental expenses.

To have coverage for a full 24 month IEC working holiday, simply purchase 2 x one-year policies before leaving for Canada. For the second policy, you’ll need to tick the ‘already travelling’ box for it to be valid.

There is a 5% discount available for HeyMondo if you use the below link when purchasing. Note that HeyMondo does not offer winter sports coverage.

Alternatively, look at BestQuote (note lower medical coverage), Cover More (phone call required to buy a 2 year policy) or World Nomads.

New Zealand citizens – HeyMondo

HeyMondo includes coverage for Covid and up to $10 million of medical expenses. There is, however, no ski cover available.

For 23 months of coverage with HeyMondo, you’ll need to purchase a 12 month policy and then another 11 month policy. Make sure to tick the ‘already travelling’ box when purchasing the second policy.

Alternatively, look at BestQuote (note lower medical coverage) or World Nomads.

For citizens of 100+ countries – BestQuote

BestQuote are travel insurance specialists, partnered with some of the largest and most reputable insurance providers in Canada. Through them, it is possible to review, compare and purchase IEC specific insurance policies with up to 2 years of coverage.

The 2 year IEC policies cover basic (non-competitive) ski cover as standard. Some options also include coverage for Covid19 related claims.

There are various medical coverage amounts available (most starting at $100,000), and adjustable excess levels as well. Please note that this medical coverage is lower than the other insurance providers mentioned on this page.

Buying the best IEC Travel Insurance

There is not one perfect working holiday travel insurance policy for Canada. Everyone has different requirements and circumstances.

The best working holiday travel insurance for Canada is the one that suits your own needs.

Before purchasing travel insurance for Canada, you may want to check factors such as:

• The type of activities that are covered.  Climbing, kayaking and even hiking may have an additional premium
• Whether it is possible to return home for a short time and still have valid insurance coverage on return . Some policies become invalidated as soon as you reach home
• Residency requirements to purchase.  Some IEC travel insurance policies require a minimum time spent resident in your home country before purchase
• Whether the policy can be started abroad if you are already travelling elsewhere. Most insurers are limited to only covering those who haven’t left home yet
• Winter sports coverage options. Even if you do not plan to work a ski season or live in a mountainous area, things can change
• The excess (deductible) on the policy. This is the amount you have to pay when making a claim

Finding Travel Insurance for Canada

Canada’s IEC program offers some of the longest working holiday options available in the world.

For this reason, one of the biggest problems with buying the best IEC travel insurance is finding a company that offers two-year travel insurance for Canada.

It can be such a rare occurrence that some working holiday companies advise their clients that there is no such thing. This is absolutely not true. 

Another thing to remember is that the cheapest travel insurance for Canada may not be the best travel insurance for you. Be sure to look at the coverage limits and whether the policy is suitable for your travel plans.

Working Holiday Travel Insurance for Canada: The Small Print

Always read the policy wording to decide which IEC travel insurance provider and policy is right for you. As noted above, the best travel insurance for Canada isn’t necessarily perfect for everyone.

All details of IEC travel insurance providers mentioned above are correct at the time of writing but are subject to change.

The above companies also offer standard travel insurance for short-term holidays as well as working holiday insurance for Canada.

Found this post helpful? Subscribe to our IEC newsletter ! Working holiday advice and updates delivered straight to your inbox, with a  FREE printable IEC packing list  

Check out these other posts about working holidays in Canada

IEC Working Holiday Canada Extension Guide

IEC Working Holiday Canada: Arrival Checklist

Working Holiday Visa 2024 Canada IEC: Ultimate Application Guide

One half of the Canadian/British couple behind Off Track Travel, Gemma is happiest when hiking on the trail or planning the next big travel adventure. JR and Gemma are currently based in the beautiful Okanagan Valley, British Columbia, Canada

Sunday 14th of May 2023

Hey Gemma, we are NZ residents coming to Canada on an IEC, coming through the US first. We have insurance confirmed for the first 12-months of our travel. Ideally we want to book the second year of our insurance, however, our current insurance company won't do that - they will only extend near the end of our current policy.. Do you know any options for us that would provide insurance for that second year (i.e., provide a policy so far in advance). Alternatively, do you know if it is doable/easy to get our visas extended/updated once we are able to confirm a further 12-months of travel insurance? Hope this makes sense!! Thank you :)

Sunday 21st of May 2023

Hi Annelise,

For your first question, I would look at World Nomads or BestQuote (the latter mentioned in this article). For your second question, you MUST have 23 months of insurance on entry into Canada to receive your full 23 month work permit. There is no way to extend your work permit if you did not have the appropriate insurance on arrival in Canada OR apply again. So make sure you have the full 23 months before you arrive in Canada!

Tuesday 5th of November 2019

Hi Gemma! Currently helping my British fiance figure out flights since he has been accepted for IEC. A little anxious that he will not receive his full 24 month permit if we buy return flights (since return flights only go aprox. 10 months ahead). Should we just splurge and buy the stupidley expensive one way ticket, or can we purchase a round trip ticket and just not use the return ticket? Do the border agents even ask for a return ticket or do they just expect that we won't have one since its an open 24 month work permit? Do you think he would just be able to tell the border agent, if asked, that he does have a return flight 3 days after his arrival flight but plans to cancel it because it's cheaper, then proceed to show the agent proof of funds for a return flight?

Monday 11th of November 2019

The good news is that you don't need a return ticket at all, just proof to be able to purchase one if needed. And for that, a credit card can be shown. Hope that helps!

Thursday 16th of May 2019

Hi Gemma, the question I have, do you have to pay the one year insurance all upfront or is it possible to pay monthly? My travel insurance offered it and I am wondering now if this would be accepted.

Saturday 18th of May 2019

Hi Jessica,

It needs to be upfront, not monthly. A monthly policy can be cancelled at any time so hence is not proof of insurance for the entire length of your trip.

Wednesday 14th of June 2017

Hi Gemma I am going to Canada from New Zealand and looking for travel insurance options...and a bit lost. The link for 'Down Under Insurance' under New Zealand doesn't seem to work, even when I searched it on Google. Would you please be able to recommend a travel insurance company / companies for someone going from New Zealand for the full 23 month period? Thank you :)

Thursday 15th of June 2017

The link to Down Under insurance goes directly to the booking page. As mentioned in the description on my page, you will need to call them to purchase the 23/24 month IEC policy. Alternatively, you could also book 2 x 1 year policies with World Nomads who are also linked on this page.

Saturday 14th of January 2017

Hi Gemma, I have been granted an IEC visa, I want it to be valid for the two years but I don't want to necessary stay there for two years. The idea is I go for 3/4 months say, before returning home. However, I would like to keep my options open and be able to return to Canada in the two year period. I also don't want to be paying for insurance for the full two years if I am not there. I assume It's possible to enter and leave Canada as many times as I like during the two year period?

I applied on my U.K. Passport but I have been living in Australia as a resident, and have become an Australian citizen since being granted my IEC Visa so will be travelling from oz(my Australian address and residency was on my IEC application). So another option I am looking at is if it's possible to reapply on an Australian passport now I can obtain one, even thought I have been granted the IEC on my uk passport. The reason being is I have to enter Canada by end of June 2017, however I am still in two minds financially as paying off debts and it would be more suitable for me to leave at a later date(I was granted my IEC a lot quicker then anticipated). I will be 31 in November 17 so would have to apply by then with Australian passport.

Otherwise 3rd option is to go on a holiday before end of June to validate and get the two years granted and then return later(rather then quitting my job and going for 3/4 months as per option one), but again that will go back to my intial question on insurance options to get a visa for two years to come and go as I please, and also if it's possible to enter and re-enter during the two years.

Thanks for any input or advice. Sorry it's long winded but wanted to include all the facts. You run a great site and I have been finding your ebook on whv in Canada most helpful. :-)

Tuesday 17th of January 2017

Wow, a lot of questions! OK, let's see if I don't miss anything. You can enter and re-enter Canada with the IEC subject to normal entry requirements (i.e. it is not technically a visa and as such does not guarantee entry). The usual problem with entering and leaving is with insurance. Most insurance policies do not allow you to return to your home country for 10 or more days. Some do not even allow you to return at all without invalidating the policy. To receive the full 2 year work permit on arrival it is necessary to have 2 years insurance - if you do not, then you risk being given a work permit to the length of your insurance (or no permit at all if you don't have any insurance).

Australian insurance by the way (as in, coverage for Australians) is VERY expensive, much more expensive than insurance for UK residents/citizens. Be aware though that you may not be eligible for many UK insurance policies as you have not been resident there for a while.

It seems like you have two options -

Go to Canada before your POE expires, activate your work permit with two years insurance. If you need to go home directly afterwards, that is OK, provided your insurance provider allows it (as mentioned, not many do and only for a short time). True Traveller allows you to return home for an indefinite time period without invalidating your policy is True Traveller. With your living situation, they are also one of the few UK insurers that you may be eligible to get a policy with.

Second option is to apply for the Australian quota. I would do this before September as the pools closed in early autumn last year. You must receive an invite before your 31st birthday to be eligible.

Best IEC Travel Insurance: Our Best Travel Insurance for Canada 2024

By: Author Sunset Travellers

Posted on Last updated: January 12, 2024

Categories Canada , Travel

In this post, we cover the Best IEC Travel Insurance: Our Best Travel Insurance for Canada – IEC Working Holiday Insurance.

If you’re moving to Canada under the International Experience Canada (IEC) program, you NEED to take out the right IEC health insurance policy.

After you receive your POE (point of entry) letter, it’s time to find the best travel insurance for Canada. Trust us, we spent a few weeks researching and trying to find the best one. So, having spent two years on our own IEC visa in Canada, we decided to share our travel insurance recommendations so you can pick the best option for you. 

So, what is the best IEC Travel Insurance you recommend? 

Loved these views in Vancouver!

You can read further down about why we chose these companies and what the guidelines are from the Canadian government. Based on all the important factors, we have found these companies to have the best travel insurance for Canada: 

• True Traveller (for Europe  and UK residents)
• Fast Cover insurance   (for Australian residents)
• BestQuote Travel Insurance   (for all nationalities, pre or post-departure)

There are a lot of companies out there which can make things quite hard when choosing the appropriate travel insurance for your Working Holiday Visa in Canada. Depending on the country you are from, your IEC visa might be approved for one or two years. For example, Steve has received a two-year work permit with an Irish passport. Sabina, with a Polish passport, was able to receive a work permit that was valid for one year only.

But thankfully, I have dual citizenship and got approved for a second IEC visa with my other passport. Otherwise, I was unable to stay for two years with Steve in Canada.

We have used these companies not only personally but also in our IEC Facebook group .

Navigating Insurance Requirements for the 2024 IEC Working Holiday:

Understanding the correct insurance for your 2024 IEC Working Holiday in Canada can be a bit perplexing. In the past, even the Canadian Government referred to the necessary coverage as ‘travel insurance’ in its communications with IEC applicants. This terminology led many insurance providers and information sources to promote travel insurance policies specifically for IEC participants.

However, the Government’s recent communications have shifted to a more precise term: IEC health insurance. This change aligns more closely with the actual requirements, as the essential coverage you need is health-related, not just general travel insurance. We’ll delve into the specifics of this coverage in the following section.

Despite this clarification, some insurance providers might still market their policies as IEC travel insurance. But, often, these policies are essentially health insurance. It’s crucial, therefore, to thoroughly examine any policy you’re considering to ensure it meets the specific health coverage requirements for your IEC Working Holiday.

This is why we worked hard to double-check with these companies that they are acceptable as the IEC travel insurance. 

So, if you are coming from: 

True Traveller Insurance

A favourite (and the one we used!) among Europeans for the International Experience Canada (IEC) program, including the Working Holiday initiative, True Traveller stands out for its comprehensive coverage. Our IEC-specific insurance not only meets but exceeds IRCC requirements, encompassing medical care, hospitalization, and repatriation. Trust True Traveller for your IEC journey – get your quote today!

BestQuote , a premier Canadian travel insurance broker, offers an extensive range of travel insurance options tailored for visitors to Canada. Our plans, which can be obtained either before or after departure, may cover health-related needs, extend up to 24 months, and even include pre-existing medical conditions. Secure your peace of mind with BestQuote’s comprehensive travel insurance plans – get your quote now!

Australia And New Zealand IEC insurance cover 🦘 :

Fast Cover(AUSTRALIA ONLY) is the go-to insurance provider for Australian participants in the International Experience Canada (IEC) program. Catering to your travel needs in Canada, we offer flexible policies for both 12 and 24 months. Our diverse range includes everything from basic medical to comprehensive coverage, as well as specialized options for snow sports and adventure activities. Travelling as a couple or with a friend? Our Duo policies offer a 5% discount for pairs. Start your Canadian adventure with confidence – get a quote from Fast Cover today.

BestQuote (NZ + AUSTRALIA) works for Australians as it is a premier Canadian travel insurance broker that offers an extensive range of travel insurance options tailored for visitors to Canada . Our plans, which can be obtained either before or after departure, may cover health-related needs, extend up to 24 months, and even include pre-existing medical conditions. Secure your peace of mind with BestQuote’s comprehensive travel insurance plans – get your quote now!

Rest of the world:

BestQuote is a premier Canadian travel insurance broker that offers an extensive range of travel insurance options tailored for visitors to Canada . Our plans, which can be obtained either before or after departure, may cover health-related needs, extend up to 24 months, and even include pre-existing medical conditions. Secure your peace of mind with BestQuote’s comprehensive travel insurance plans – get your quote now!

The International Experience Canada website states the following requirements:

For an iec working holiday visa in canada , you must have health insurance for the entire time you are in canada..

Therefore, we both needed 24-month insurance for Canada.  If we were to get travel insurance for Canada for any shorter period than our intended stay, we would have received a work permit only valid until our insurance is. 

This rule applies to everyone.

It is very important to get the appropriate travel insurance for Canada.

If you get asked at the border for proof of your travel insurance, make sure that it is valid for the entire duration of your intended stay.

Many people get only six months or one year of insurance and receive shortened work permits. When choosing the best travel insurance for your IEC visa in Canada, make sure that it also covers all the government requirements . 

As per the IEC rules , health insurance must cover you for the following:

• medical care
• hospitalisation and
• repatriation (returning you to your country in the event of severe illness, injury or death).

If you go to Canada without appropriate IEC travel insurance,   your work permit might be shortened and/or you might be refused one entirely. 

A note from the government website :

“ We recommend you buy this insurance only after you receive your port of entry (POE) letter of introduction. We can’t recommend specific insurance companies or plans, but you can search online for something that meets your needs. You may be refused entry if you don’t have insurance. If your insurance policy is valid for less time than your expected stay in Canada, your work permit may expire at the same time as your insurance .”

Provincial Canadian healthcare or medical cover from your employment typically does not cover repatriation costs.

After you land your dream job, it takes time to get enrolled in the healthcare system, and there’s usually a cool-off period. 

Therefore, you need to get separate 2-year travel insurance for Canada.

Don’t make the mistake of thinking you will be fine without one. We personally know a few people who decided to get the most basic insurance and ended up in a hospital with a broken bone and a huge medical bill to take care of. Many companies have policies built especially for the IEC visa, but it is essential to find the best travel insurance for Canada suitable for you.

We had to do our research based on several criteria and important inclusions.

What is the best IEC travel insurance?

That great feeling when you are fully insured!

Great question!

Depending on where you are travelling from and what you want to do in Canada, there will be certain criteria you might be looking for. 

Based on all the important factors, we have found these companies to have the best travel insurance for Canada: 

There are a lot of companies on the market, but based on our own experience and friends’ recommendations, these are the best companies to go with. 

When choosing your coverage, there are a few important questions you need to ask the insurance company before buying your 24-month travel insurance for Canada.

Let’s face it: 24 months is a LONG time, and you don’t want to pick the wrong company! 

Buying the best travel insurance for Canada

Along with the Canadian government rules, there are a few different things you might want to consider when choosing your insurance. 

To put it simply, these are the most common things you want to check before buying IEC travel insurance:

• What is the level of my coverage?

 If you are planning to hit the slopes or go hiking or kayaking, make sure that your insurance covers you. Most insurance companies will have an additional premium for covering you for extra activities. Who knew that cage shark diving isn’t included in the basic cover!? 

• Am I covered for trips outside of Canada? 

Travelling to the US, Central America, or any location outside of Canada might not be covered by some companies. If you are planning to explore the world, check if the places you are heading to while in Canada are covered. BestQuote has options to include trips outside of Canada to the USA, Mexico or elsewhere. 

• What is your policy if you wish to take a  trip back home for a holiday? 

Some insurers have a limit on trips to your home country, others only allow a couple, and some enable unlimited trips back and forth. Whether you plan to stay in Canada or visit home regularly, find out how your insurer covers you for home visits.

True Traveller , for example, allows you to go home as many times as you like! 

• Is there any excess?

You need to know how much you have to put out of your pocket to make a claim. The best coverages are no excess ones- but usually, you will have to pay a bit more for these.

• Are your items and luggage covered?  

It is critical for the company to cover you in case of luggage delay, bags lost by the carrier in transit (it happens!), stolen luggage, stolen passports etc.

• Are you covered for activities like winter sports? 

While we didn’t plan on snowboarding when we first landed in Vancouver, we were glad we opted for the additional cover when we decided to try snowboarding. We ended up doing a whole winter season in Whistler, and True Traveller completely covered us! You might also want to hike the Rocky Mountains , so make sure to get the right cover.

• Whether the policy can be started abroad if you are already travelling elsewhere.

Most insurers are limited to only covering those who haven’t left home yet.

• How do I contact the insurance company in case of an emergency in Canada and abroad?

Save the phone number on our phone as soon as you purchase your coverage.

So what are the best two-year IEC travel insurance options and why?

Relaxing again because kayaking is included in your policy.

Before you get overwhelmed with contacting every travel insurance company asking the above questions, we have done the hard work for you. 

If you prefer to do your own research, remember that buying the cheapest travel insurance for Canada usually isn’t a good idea.

Cheap insurance will have a lot of coverage limits, and keep in mind this is the next two years of your life! 

The best travel insurance options for Canada

Flying high over Toronto!

True Traveller – Available for EU citizens (including the UK)

These guys have been incredible, and we have continued to use them as we travel around the world. They offer you not only unlimited trips home but also fantastic coverage.

Travel insurance policies with True Traveller are available for up to 24 months, which covers you for the entire duration of your visa!

Winter sports coverage is available, and there are no minimum residency requirements.

You can claim while you’re still in Canada, as there is no need to wait to return home.

True Traveller covers you for over 92 activities on their standard cover.

These include bungee jumping, horse riding, safari touring, scuba diving to 18 meters and lots more activities you may end up doing on your trip.

For those extreme travellers out there, you can easily add more options at very reasonable prices.

We both used them for our 2-year IEC travel insurance and always recommended them to others.

We found True Traveller, the best and cheapest IEC insurance for Canada from Europe .

Get a quote here for your IEC travel insurance.

“Oh, so you went with Fast cover to!? Woo”

Fast Cover – Available for Australians

Our family, friends and many other people we met who have come from Australia went with Fast Cover.

They offer initial cover for 12 months but then it can be easily extended for another 12 months on the day of departure.

This totals the full 24 months needed for the IEC working holiday for Australians.

You simply purchase the first 12 months of travel insurance, and then you can log in and purchase the next 12 months.

Simply log in to the ‘Your Policy’ section of their website and extend it up to the full two years. 

They also allow unlimited trips home, and it is not necessary to have a return ticket home in order to submit your claim.

Winter sports cover is also available, and their basic cover includes a whole host of activities! 

Also worth noting is that their Ski & Snowboarding cover is one of the best we have ever seen!

They even include off-piste activities, which are often not included. 

  Fast Cover policies also include 24-hour overseas emergency assistance for IEC travellers.

Whale watching in Vancouver!

BestQuote Travel Insurance

With BestQuote , you can view and compare the best insurance options available for your IEC visa.

We really like them as their website is very clear and you can easily view and compare insurance prices, benefits, refund policies and much more. 

Simply start your quote by:

• choosing the dates of your intended stay in Canada,
• adding any additional countries, you wish to visit 
• indicating the number of travellers included in the cover
• adding dates of birth 
• filling your email address

And your quote will appear instantly!

BestQuote Travel Insurance also offers several IEC policies that allow for up to two years of coverage.  

Whether you are from Ireland, Australia, the UK, France, Portugal or New Zealand (max 23 months), you can get covered for the two years of your IEC visa. 

The BestQuote policy is issued through Lloyd’s Underwriters and has been specifically designed for IEC travellers (which means peace of mind for you).

With BestQuote, you get the required health and repatriation benefits.

They also include basic skiing/snowboarding cover and allow unlimited trips outside of Canada for up to 35 days. 

Final tips for Working Holiday Insurance for Canada ( th e small print)

Finding travel insurance for canada.

While we have used most of the companies above, it is always worth spending that little bit extra just to read the fine print.

It is important to pick the IEC travel insurance provider and policy that is right for you. 

As we mentioned above, you will be with them for the next 12 to 24 months, so it is worth spending that little bit of extra time to read through everything. 

Please always double-check cover details directly with your insurance policy provider, as any of the above information may change at any time. 

Thank you so much for reading, and if you have any questions at all, please reach out to us!

You will also find a great selection of useful links and discounts on other services below: 

Other useful links for your IEC visa:

Booking.com – This is the perfect  alternative to Airbnb when you need a short place to stay.

Hostelworld –  If you need a cheap place to stay where you can meet other travellers, Hostelworld is the best.

OFX – Another great money transfer company for larger transfers. We usually use them for larger sums. Follow the link for free transfers for life.

CurrencyFair – Our favourite money transfer company. They are 8x cheaper than banks. Follow the link for 10 free transfers with CurrencyFair.

Best Quote  and TrueTraveller – The best travel insurance companies on the market! We personally used them both and can highly recommend them.

Taxback.com –  Every time we have to do our taxes or claim Superannuation, we use these guys.

Sendmybag – The best  company to ship your excess luggage to and from Australia. Follow our link for a 5% discount on your shipment.

If you need more info on moving to Canada, make sure to check out our Canada posts here .

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Thanks for stopping by

Steve and Sabina

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Sunset Travellers

Sunday 13th of October 2019

Thanks a lot for letting us know!

Gerphil Galleto

Good day! I already found a travel insurance company they said that if something happens on me at work in canada they can't cover anything that happened to me because of my work. Is this reasonable from Insurance company?

Hi Gerphil,

Travel insurance is not a health insurance. It's designed for emergencies only. Once you are in Canada you most likely will be able to get health insurance via your employer. Best of luck!

Safe Visit | Canada Travel Health Insurance - Medical Insurance Quote.

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How To Choose The Best Travel Insurance For Canada

By Hugo O'Doherty

Updated 7 days ago

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Share article, whether you're planning a temporary visit or temporary move (with a temporary work permit), there are many companies offering travel insurance for canada -- and health insurance as well. but which policy will meet your needs.

Not all travel insurance or health insurance policies are created equal for your stay in Canada. Your plans will dramatically impact the type of coverage you need, so you will need to consider the following (amongst other factors):

• The length of your stay.
• Which provinces and territories you plan to visit.
• Your age and health status.
• Your planned activities while you stay (snow sports and other adventure sports may require specific coverage).
• Any supplementary coverage you might need.
• Whether you need specific insurance to receive your work permit .

It’s important that you find coverage that’s tailored, meets your needs, and is affordable.

What you'll find on this page

Start your IEC working holiday with a free Moving2Canada account

Do you have IEC health insurance?

What’s the difference between travel insurance for canada vs. health insurance.

Health insurance is designed specifically to cover medical expenses. Travel insurance can cover a range of different costs, which may include things like trip cancellation, lost luggage, medical costs, and repatriation. Notably, some travel insurance packages actually include health insurance coverage, so you may not need to buy them separately.

Health Insurance for Permanent Residents in Canada

If you are moving to Canada through a permanent residence program, you may eventually enjoy publicly-funded healthcare in Canada — but you won’t be covered for the first few months after landing. The reason for this is that it often takes a few months for your provincial or territorial health coverage to kick in. This means that you should consider health insurance for these first months in case of any emergencies.

Health Insurance for Temporary Residents in Canada

While you may get coverage in the province or territory you settle in,  you may also need to wait several months for the coverage to kick in if you are moving to Canada on a study permit or on a work permit (with some exceptions, see below). It’s important for you and your family, if applicable, to get quality health insurance for those early months, both Cigna Global and BestQuote are leaders in these policies. Get a quote from Cigna and a quote from BestQuote to begin comparing your options!

IEC Work Permit

If you’re participating in the IEC Working Holiday Visa in Canada program, you are required to have health insurance that covers the full duration of your work permit and insurance that will cover repatriation costs. Oftentimes, you can purchase a package for travel insurance for Canada which will cover all IEC requirements, including for health insurance.

You need this insurance even if you become eligible for provincial healthcare and medical cover from your employment in due course.

We always recommend beginning with BestQuote as they will offer you a comparison of rates for many different options on the market. Get your free quote from BestQuote today !

Quick note: British Columbia and Alberta are world-famous for skiing and snowboarding. If you want to hit the slopes, make certain your Canadian travel insurance policy contains coverage for any potential injuries.

Where will you be buying your travel insurance or health insurance for Canada?

Select the region you’ll be in when you’re buying your travel insurance for Canada, or your health insurance.

BestQuote Travel Insurance

A full service Canadian travel insurance broker offering the widest selection of travel insurance plans for visitors to Canada. Available plans may include health coverage, coverage for up to 24 months, and coverage related to pre-existing medical conditions. Plans are available before or after leaving home. Get your quote from BestQuote today !

True Traveller

For years True Traveller has been a popular option for Europeans seeking mandatory insurance for International Experience Canada (IEC) including the Working Holiday program. True Traveller’s IEC insurance includes medical care, hospitalization, and repatriation which exceeds IRCC’s requirements. Get your quote from True Traveller today !

BestQuote Travel Insurance A full service Canadian travel insurance broker offering the widest selection of travel insurance plans for visitors to Canada. Available plans may include health coverage, coverage for up to 24 months, and coverage related to pre-existing medical conditions. Plans are available before or after leaving home. Get your quote from BestQuote today !

Fast Cover Travel Insurance The company of choice for Australian IEC participants seeking travel insurance for Canada. Options for 12 and 24 months, and a range of products from medical only to comprehensive, snow sports, and adventure activities. Duo policies, for couples or two friends travelling together, get 5% off. Get a quote from Fast Cover .

New Zealand

Rest of the world (including canada), canadian health insurance.

Permanent residence applicants can consider more comprehensive health insurance policies, above typical plans for travel insurance for Canada.

Expatriate health insurance ensures access to the best possible healthcare while living and working abroad. Cigna Global is a leader in these policies and provides 12-month cover for those moving to Canada, regardless of nationality or age.

Click here to get a free online quote, which should take less than 60 seconds to complete.

Why IEC work permit holders need health insurance (and may want travel insurance for Canada)

1. It’s mandatory for IEC work permits.

Every year, we hear countless stories from people who aren’t issued with an IEC work permit because they didn’t buy Canadian health insurance. The rules clearly state that you must have insurance for the full duration of your work permit (e.g. two years).

2. You can’t buy a short policy, and then extend it later.

Again, the rules are clear: you can’t buy a three-month policy and agree to extend it to a two-year policy just to appease the immigration officer.

For example, if you only buy health insurance on a three-month or six-month policy, then the immigration officer is within their rights to issue only a three-month or six-month visa. This cannot be extended at a later date.

3. Provincial insurance doesn’t give the coverage you need.

Provincial insurance that’s on offer is not accepted as adequate by federal immigration officers. This is because it will not cover repatriation costs, i.e. flying you to your home country in the event of death.

Other costs not included in provincial cover included: dental accidents, ambulance, medications, medical devices like casts and crutches, and trips to the US and Mexico.  BestQuote has these options and will enable you to compare rates from many different insurance providers.  Get your quote from BestQuote today !

4. Nobody likes paying for insurance, but the alternative could be a lot worse.

You buy insurance in case the worst happens. Often, we feel it’s a waste if that big event does not happen. As an adult, we encourage you to be responsible, as your family would not appreciate a $20,000 hospital bill in the event of serious injury or death and your repatriation home.

Where to next?

• Get your Canadian adventure off to the best start! Download our free Getting Started Guide magazine .
• Learn how to shop around: see our 7 easy questions to ask your travel insurance provider  article.
• Find work in construction and engineering. Visit our Outpost Recruitment agency .

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2021-04-29T12:00:00

Should you get travel insurance for Canada? Here are 7 frequently asked questions about travel insurance to help you decide!

FAQs: 7 Questions to Ask When Choosing Travel Insurance for Canada

Many of us spend years saving up for a trip abroad and spend countless hours planning every detail of our trip itinerary. What we don’t prepare for is an unexpected pandemic or a luggage bag that suddenly grew legs and disappeared.

Things don't always go as planned and we learned this the hard way in 2020. While we can’t predict the future, we can definitely minimize the damage with a good travel insurance policy. So, if you’re planning to travel to Canada as a tourist, worker, student, or even if you’re a new permanent resident, you might want to consider getting travel insurance for your own peace of mind.

Don’t be left in the dark when it comes to finding the best insurance for your trip. Here are 7 questions to ask when choosing travel insurance for Canada.

7 Frequently Asked Questions About Canadian Travel Insurance

FAQ 1. What is Travel Insurance?

Travel insurance is a policy that you select and purchase from a travel insurance company to cover you from certain financial losses during your trip. Losses can be minor like delayed baggage to significant losses like injuring yourself while hiking in Banff National Park, and, needing 20 stitches! There is nothing that can quite put a damper on your holiday like unexpected medical bills overseas.

In most scenarios, travel insurance reimburses you for your covered financial losses after you file a claim and the claim is approved.

FAQ 2. Do I Need Travel Insurance for Canada?

It really depends on your reasons for traveling to Canada. If you’re planning to explore the country as a tourist with a visitor visa then the choice is really up to you. Most visitors consider travel insurance a worthwhile investment, especially if they're undertaking high risk activities like skiing at Whistler Blackcomb.

It’s important to note that your medical provider at home may not cover you overseas and you also won’t be covered by the free public healthcare system in Canada if you do have a medical emergency. Only some work permit holders, international students and permanent residents can access free healthcare in Canada.

Learn more:  Can Non-Citizens Get Healthcare in Canada?

On the other hand, if you participate in an IEC Program in Canada , including the Working Holiday, Co-Op, and, Young Professionals categories then you must get Canadian travel insurance as a strict requirement. Many applicants are rejected purely because they didn’t get travel insurance for the full duration of their work permit that ranges from one to two years.

While provinces like British Columbia offer free healthcare to IEC work permit holders, it won’t be accepted by immigration officers because it doesn’t cover things like repatriation costs.

Lastly, if you’re a new permanent resident of Canada then you might want to look at getting private health insurance until you qualify to apply for a provincial health insurance card. The waiting period is usually three months.

FAQ 3. What Should Travel Insurance Cover?

Different travel insurance packages will cover different individual needs so you would have to find a package that meets all your travel requirements. For example, planning a trip that involves many high-risk activities and travel within a few provinces of Canada would require a different travel insurance package to one which would be required for a quiet Montreal holiday. Depending on your package, below is a list of items your package could cover. You, of course, would need to verify this with your insurance company.

Types of Coverage

• Delayed or lost baggage;
• Natural disasters;
• Pre-existing health conditions;
• Stolen passport;
• Travel health insurance for medical emergencies;
• International health plans;
• Trip cancelation;
• Repatriation; and

FAQ 4. What is the Best Travel Insurance for Canada?

You can buy travel insurance through travel agents, insurance brokers, and even your credit card company may offer limited insurance coverage. To get the best policy for the right price it’s a good idea to request a few quotes from different insurance providers to consider all your options. There are some insurance providers like Best Quote Travel Insurance that offer packages that are tailored for specific visa programs like the IEC. This means you won’t have to add additional coverage or pay for something that you won’t need.

FAQ 5. How Much Does Travel Insurance Cost?

You can purchase a once-off insurance policy or if you’re a frequent visitor to Canada, you can get a more expensive annual cover that will pay out quickly. Your travel insurance premium will depend on a few factors such as your age, your trip duration, pre-existing medical conditions, your smoker status, and your policy type (single trip vs multiple trips). The overall cost of your trip will also be taken into consideration. So, an all-inclusive 21-day Canadian tour will be more expensive to insure than a trip to Canada without a lot of prepaid expenses. According to Business Insider, the average cost of travel insurance is $111.

FAQ 6: How Does COVID-19 Affect Travel Insurance?

Thousands of unexpected canceled trips and COVID-19 infections have led to a surge in demand for travel insurance. Previously, a pandemic was not considered an insured event by some insurance providers. So, it’s extremely important to choose travel insurance for Canada that offers COVID-related coverage. Cancel for any reason (CFAR) is a popular insurance option for travelers amidst the pandemic that reimburses between 50%-75% of travel costs, depending on the policy.

FAQ 7. What Are the Cons of Travel Insurance?

When it comes to travel insurance, it’s important to read the terms and conditions and be very clear about the specific coverage of your policy. It’s not unheard of that a policy refuses to pay out because of certain clauses or insured events that you were not aware of.

When Do Canada’s Travel Restrictions End?

Canada has extended its travel restrictions until May 21, 2021, for all countries. It’s not the first time that Canada changed the date that will allow entry to visitors for non-discretionary purposes. This is even more reason to protect your paid-for expenses such as flight tickets and hotel accommodation with the help of a great travel insurance policy.

What Else Do You Need to Travel to Canada?

Besides travel insurance, you’ll also need a visa to enter Canada. The type of visa you need to apply for depends on what you want to do in the country. For example, if you’re planning to visit family then you’ll need a visitor visa or an electronic travel authorization . Or if you want to work in Canada then you’ll need a Canadian work permit which will be issued along with a temporary resident visa. Canada has over 100 immigration and visa programs that make it possible for you to enter the country and participate in many activities or call Canada your permanent home!

Need a Visa? Apply Today!

Get your visa for Canada easier and quicker by applying through CanadianVisa.org . We specialize in assisting our international clients to identify a visa program that’s right for their needs and take care of the entire application process on their behalf!

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Do foreign workers in Canada need travel insurance?

Foreign workers, work permit holders, and other newcomers to Canada typically have to wait months before they can access “free” health care. Travel medical insurance can help cover emergency health costs in the meantime.

Visitors insurance

What is a canadian work permit, do work permit holders have insurance, why do foreign workers need travel insurance, what does travel insurance for foreign workers cover, how much does travel insurance cost, what insurance do i need to travel to canada.

• I'm new to Canada. How do I apply for coverage?

Canada has long been immigration-friendly. It’s no surprise that we welcome tens of thousands of foreign workers and work permit holders to our shores every year. It’s exciting to have landed a great new job in Canada and left your home country to start a new life up north!

But did you know that Canada’s famed “free” public health care doesn’t actually apply to newcomers right away? The onus falls on you to pay for any medical care you need for the first few months after arriving in Canada. Private health insurance options (like visitors insurance) help cover emergencies that come up during that time frame.

Need insurance answers now?

Call 1-888-601-9980 to speak to our licensed advisors right away, or book some time with them below.

Travel insurance can help give visitors to Canada peace of mind during their travels. For newcomers, in particular, you will already have a lot on your plate to deal with when moving to an entirely new country and culture. Having travel insurance will mean one less thing you have to worry about while settling in.

Depending on their status, visitors to Canada have several different options for travel insurance. The main options are:

• Travel medical insurance Insurance that covers the medical costs incurred from any medical emergencies you experience on your trips, including hospital stays, ER visits, cost of prescription drugs, medical transportation, and more.
• Travel insurance for trip-related incidents Insurance that covers things like flight delays, trip interruption, trip cancellation, hotel stays, lost baggage, etc.

Learn more about travel medical insurance vs trip interruption insurance . 

Visitors travelling to Canada on an eTA (Electronic Travel Authorization) issued by the government can legally stay in the country for as long as six months. During this time, they are not covered under Canada’s universal health care plan, so they must rely on private visitors insurance for any medical costs that may arise during their trip.

But there are three additional types of foreign nationals who travel to Canada and have particular needs: study permit holders/international students , super visa holders, and work permit holders/temporary workers.

These categories are distinct in that their stays in Canada are usually for a much longer period of time than most visitors.

Learn more about super visa insurance for parents/grandparents of Canadian citizens and permanent residents and super visa insurance payments . 

There are two general types of work permits offered in Canada:

• Open work permit This type of permit allows a foreign national to live and work in Canada with no restrictions on who they can work for. But in some cases, they are only allowed to work in a specific job category. Open work permits are valid for up to two years, with the option to be renewed or extended.
• Closed work permit Under this type of work permit, foreign nationals can live and work in Canada but only for one specific employer and in the specific role outlined in the conditions of their work permit. This means that if they want to seek a new job in Canada, they would have to submit an entirely new work permit application. This type of work permit is also usually valid for up to two years but can be extended.

Foreign workers in Canada will often be covered under the government health plan of the province they are working and living in, like OHIP in Ontario. Their family members who moved to Canada with them are usually also granted provincial or territorial health coverage.

But work permit holders have to meet specific eligibility requirements to be covered, including:

• Be employed full-time in the province
• Maintain that province as their primary place of residence
• Physically be in that province for a specific number of days

How long a temporary resident has to be in their province of residence varies throughout Canada. In Ontario, for instance, they have to physically be in the province for at least 153 days within a 12-month period to be eligible for OHIP.

On top of public universal health care, foreign workers may also get additional health insurance coverage with employee benefits provided through their employer (or as part of a group package through their job). This coverage varies based on different employers and different jobs, but will typically include benefits like vision and dental insurance on top of emergency medical coverage.

In most cases, once a foreign worker retains their employment, they are able to use the benefits provided to them through that job.

To start, newcomers to Canada, for the most part, do not have immediate access to health care through their provincial public health insurance.

In most provinces, newcomers have to wait three months before they can get public health coverage. In some cases, open work permit holders may have to be employed full-time for at least six consecutive months before they are eligible for public health coverage.

During that three-month waiting period (or longer), a foreign worker would be responsible for any medical attention they receive. This is where a private health insurance plan comes in handy.

A travel medical insurance plan in particular would help cover any unexpected emergencies that crop up during the time they wait for a provincial health plan to kick in.

What happens after I get universal public health care?

Once your government health plan takes effect, you would not need travel insurance for health care coverage anymore. Instead, you would be covered under your provincial health plan. The same goes for your spouse, children, or any family members/dependents who moved to Canada with you, as they are also covered under Canada’s public health care.

Although, you may want to consider ensuring that you have private health insurance for medical attention costs that may not be covered under your provincial health plan.

You may also still need to purchase another travel insurance policy if you take a trip outside of your province or go on vacation outside of the country.

And yes, even as a foreign national in Canada under a work permit, you are still absolutely eligible to purchase travel insurance.

Does Canadian health insurance work outside of Canada?

Even after your universal public health insurance comes into effect, it offers very little health care coverage outside of Canada. So, if you take a visit to your home country and end up needing emergency medical care, your Canadian health care plan will not cover you.

This is where having private travel insurance can make all the difference between you having to pay out of pocket for unexpected emergencies that happen once you venture away from your new Canadian home. In your time away, your coverage at home may have lapsed.

Do foreign workers need travel insurance for trips within Canada?

Universal public health care has some limitations within Canada too. Provincial health plans are generally limited to a specific province. As such, they have very limited coverage once you leave your province of residence.

This is another reason why temporary workers — and anyone living in Canada, really — should seriously consider travel insurance when planning to take a trip.

If you decide to explore your new home and take even a short trip to a neighbouring province, your provincial health plan may not cover everything if you run into a medical emergency.

Your provincial health plan may not cover these emergency services outside of your province:

• Ambulance transportation
• Cost of prescription drugs
• Private hospital fees
• Private facility diagnostic fees

Of course, no one ever wants to have to deal with or think about these kinds of emergencies happening to them. This is especially true while on a trip or as a newcomer to an entirely different country. But emergencies do happen and it’s better to know exactly what you would end up having to pay.

Emergency care costs can certainly add up. OHIP even recommends that you purchase private insurance coverage before leaving the province to cover any uninsured medical costs.

Plus, your provincial health plan will not apply to unexpected travel challenges that are not medical. If you have to pay for an extra hotel stay because of delayed or cancelled flights, if your bag gets lost, if you are placed under emergency quarantine due to COVID-19, or if any other countless number of mishaps happen, you’d be on your own as far as a public health care plan goes. But travel insurance plans could give you some relief.

The exact coverage your plan provides varies based on what kind of policy you buy and what provider you choose, among other factors. But most travel insurance policies cover:

• Emergency medical treatment
• Emergency dental treatment
• Travel accidents
• Ground and air ambulance transportation
• Medical evacuation
• Repatriation of remains
• COVID-19-related medical care

Travel insurance exclusions

However, it’s important to note that travel insurance does not cover any and everything, although it does provide a wide range of coverage. There are a few factors that insurance companies consider to determine whether to extend coverage to you:

• Destination For instance, government travel advisories play a major factor in determining your coverage. While getting travel insurance to come to Canada will be fine, the destination matters a lot if you want travel insurance to leave Canada on a short trip.

If the Canadian government has issued an order to avoid travel, or if a travel advisory has been issued for the destination you want to travel to, Canadian insurance companies will likely not provide coverage for travels.

• Activities (i.e. extreme sports) Further, certain activities are not covered under standard travel insurance plans. A major example of this is in the case of “extreme sports”, where insurance companies deem there to be an extra-high risk of injury. There’s nothing wrong with being a foreign worker who loves to go snowboarding, but keep in mind that your travel insurance may not cover you if you plan on taking part.

Learn more about travel insurance for athletes and others taking part in sports.

• Age The question of age will likely not apply to you, as a foreign worker. Travel insurance policies can cover individuals well into their 80s and even 90s. And we’d be impressed if you were still working at that age. But if you’re travelling to Canada with an elderly dependent or family member, it may be worth it to just keep this factor in mind.
• Pre-existing conditions Pre-existing conditions, however, are a factor that may impact you. A pre-existing condition refers to a medical condition you had been diagnosed with before your insurance policy starts and can be an illness as common as diabetes.

Some travel insurance plans may not provide coverage for certain pre-existing conditions or may charge you a higher premium as a result of it. Companies also typically require that a pre-existing condition be stable for at least 90 to 180 days before your departure date.

Learn more about pre-existing medical conditions . 

Of course, you are always welcome to speak with one of our expert advisors if you’re unsure what kind of plan you need. Or if you have a plan but you’re not sure it’s the best plan for your needs. We’re happy to help you find out exactly what’s covered and what isn’t, and make sure you’re getting the best plan for your budget.

On average, you can normally expect a standard travel insurance plan to cost 5% of your trip. But this depends heavily on what kind of insurance you buy, how much coverage you get, how long your trip is for, your age, and your health, among others.

As a newcomer to Canada, you’ll likely need a longer plan than the standard travel insurance package, so you should expect your plan to cost more than the typical 5% figure.

To give you an idea, Manulife, one of Canada’s largest insurance companies, offers a travel medical plan for newcomers that can cost around $500 to cover two young, healthy travellers for three months.

Also, if you’re travelling with your family, you may be able to get a better deal. Some providers offer discounts on policies bought together and some also have family plans for a discounted group rate.

In general, foreign nationals do not need to purchase private insurance before coming to Canada, although it is strongly recommended.

Some visitors, like super visa holders, and some foreign workers are required to have a private health insurance policy or travel insurance policy before they arrive in Canada and for the duration of their stay.

The International Experience Canada (IEC) Working Holiday Visa is one such example. This is an open work permit that allows individuals from over 30 countries to live and work in Canada for up to two years. Like with the Super Visa, foreign nationals who hold this visa are legally required to purchase private insurance that covers:

• Medical care
• Hospitalization
• Repatriation

The Canadian government also requires that these work permit holders purchase private insurance before they leave their home country to move to Canada. Otherwise, they can be denied entry into the country.

But the Canadian government advises that you only purchase this insurance once you receive a letter of acceptance into the program.

I’m new to Canada. How do I apply for coverage?

You can access insurance coverage by speaking with a Canadian travel insurance broker like the experts at PolicyAdvisor . We can help you assess your unique circumstances and find the best plan that fits your needs.

As a note, you may want to avoid relying solely on travel insurance coverage offered through your credit card provider during this time. While many premium credit cards include benefits like travel insurance and other perks, these are likely insufficient for the level of coverage you need.

With credit card travel insurance, In most cases, you would only be covered for less than a month. This means you would still be left hanging while waiting three months or more for your Canadian health insurance card. Plus, the travel plan may not recognize certain medical issues as emergencies they would cover.

Learn more about credit card versus owned travel insurance .

Once your Canadian health insurance comes into effect, and you need travel insurance to cover other travel, you can also check your employee benefits. Many employers or group benefits packages include some measure of travel coverage that may be adequate for your needs.

If in doubt, it can’t hurt to speak with us to find out exactly what you’re covered for, if anything, and whether you need additional coverage to make sure your policy hits all the important notes.

• Newcomers usually have to wait 3-6 months to become eligible for Canadian universal health care
• Private insurance options for visitors can help cover medical emergencies during the months-long wait period
• Canadian health coverage is limited in between provinces and outside of Canada

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The information above is intended for informational purposes only and is based on PolicyAdvisor’s own views, which are subject to change without notice. This content is not intended and should not be construed to constitute financial or legal advice. PolicyAdvisor accepts no responsibility for the outcome of people choosing to act on the information contained on this website. PolicyAdvisor makes every effort to include updated, accurate information. The above content may not include all terms, conditions, limitations, exclusions, termination, and other provisions of the policies described, some of which may be material to the policy selection. Please refer to the actual policy documents for complete details. In case of any discrepancy, the language in the actual policy documents will prevail. All rights reserved.

If something in this article needs to be corrected, updated, or removed, let us know. Email  [email protected] .

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Working Holiday in Canada: Why You Need the Best Travel Insurance for Your Adventure

Ditch your usual vacation! A Working Holiday Visa (WHV) in Canada lets you travel, discover yourself, and gain work experience.

Ditch your usual vacation! A Working Holiday Visa (WHV) in Canada lets you travel, discover yourself, and gain work experience. With this visa, you can work and earn money along the way, helping you fund your travels in Canada. But before you jump in, there’s a practical item to tick off your checklist: travel insurance. With the right coverage, you can truly immerse yourself in the land of stunning landscapes, majestic mountains, sparkling lakes, and endless poutine, all while feeling confident that you're well-protected against any unexpected events. 

Working Holiday in Canada: Your ticket to adventure

If you’ve never heard of International Experience Canada (IEC) , listen up, as it’s your golden ticket to live, work, and play in Canada for up to two years . 

This government of Canada program opens doors for young adults aged 18 to 35 from over 36 partner countries , including Australia, Germany, Japan, New Zealand, and the UK. It's your chance to dive into Canadian culture, gain international work experience, and embark on an adventure in one of the world’s most welcoming countries. 

‍ The length of your Canadian adventure with the IEC can vary based on your home country. Many participants can enjoy one or even two glorious years exploring Canada’s rich culture and breathtaking landscapes. It's important to note that age limits might be a factor for some participants. 

Heads up! In countries like Austria, Japan, Sweden, and Hong Kong, the cut-off age to apply is 30. So, double-check the details for your own country and jump on this chance while it's open to your age group!

Why is travel insurance your essential ally for the Working Holiday Visa?

When securing your Working Holiday Visa in Canada, remember that travel insurance is not merely a formality; it’s a prerequisite. Failing to get travel insurance could jeopardize your visa application. 

According to the IEC website, you'll need health insurance covering your entire stay . 

Also, upon arrival in Canada, be ready to show proof of this insurance . It’s vital to ensure you have this sorted out to avoid any hitches when you start your journey.

Your financial safety net

It might seem like an afterthought, but it's also the cornerstone of a stress-free and fulfilling Working Holiday Visa experience.

Picture this scenario: During one of your weekend escapades, you're exploring the cobblestone streets of Quebec City and have a sudden accident requiring urgent medical attention. Medical bills can skyrocket without travel insurance, leaving you with a financial headache and a potentially dampened adventure.

‍ Travel insurance is your lifeline in such situations. It acts as a safety net, reimbursing medical expenses incurred during emergencies. This ensures you receive the care you need without worrying about exorbitant costs eating into your travel budget. Think of it as an investment in peace of mind—a key ingredient for a truly enriching WHV experience.

‍ Ultimate Working Holiday Visa tip: ​​ Make sure your Working Holiday Visa health insurance covers your entire stay to avoid being issued a shorter visa duration upon arrival. This ensures you get the full experience without administrative complications.

Meet soNomad: your travel insurance champion for your Working Holiday

At soNomad, we’re excited to welcome you to our turf! As a proud Canadian company , we specialize in crafting travel insurance that’s perfect for those of you heading over on a Working Holiday Visa.

‍ We know the ins and outs of what you’ll need because, hey, this is our home. We combine affordability with comprehensive coverage, ensuring you can enjoy your Canadian adventure worry-free. Here's how we can be your perfect travel insurance partner:

‍ No hidden fees, no surprises: Transparency is key at soNomad. You'll get clear pricing with no hidden costs or unexpected fees. What you see is what you pay, making budgeting for your WHV experience a breeze.

‍ Adventure awaits: From skiing the legendary slopes of Mont-Tremblant to surfing in Tofino, we offer plans that cover a wide range of activities. Embrace Canada's adventurous spirit without worrying about being uninsured.

‍ 24/7 support in English and French: Navigating a foreign country can be challenging, especially when faced with unexpected situations. soNomad provides 24/7 multilingual assistance in both English and French. Whether you need help with a lost passport, a medical issue, or simply require guidance, our dedicated team is always available to support you.

‍ Exclusive guarantees:  We go the extra mile with exclusive guarantees. Lost luggage can disrupt your travel plans, but we offer coverage to help you minimize the inconvenience.

‍ Unbeatable prices and quick online booking: Getting insured is a breeze. We offer incredibly competitive prices and a user-friendly online booking system. In just a few minutes, you can have the peace of mind of comprehensive travel insurance, allowing you to focus on planning your epic Canadian adventure.

Early Return? No Problem!

Life can be unpredictable, and your WHV experience might unfold differently than planned.  

With soNomad, if you find yourself finishing your trip early, you can receive a refund for unused days (as long as you haven't made any claims). Simply contact our friendly customer service team to discuss your specific situation.

Get ready for your Canadian Working Holiday adventure!

With the right travel insurance from soNomad and these helpful tips, you're all set to embark on an unforgettable Working Holiday adventure in Canada.  

So pack your bags, embrace the spirit of adventure, and get ready to experience the magic of the Great White North! This incredible opportunity awaits—go forth and explore!

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OPTIMAL TRAVEL

 foreign workers insurance – work visa

when shopping for travel insurance

Emergency travel insurance for visitor’s to canada.

Emergency Medical Coverage Coverage for any emergency health issues or injuries, up to $300,000

Repatriation of the deceased Transportation of remains back to your own country in case of death.

No Additional Fees or Penalty Easy to change dates prior to arrival in Canada, at no extra cost or fees.

Accidental Dental Care Accidental causing damage to your teeth.

Travel Assistance 24/7 Call anytime  for assistance.

Direct payment  to providers No out-of-pocket Medical Bills

Get in touch your way!

WORKING VISA MEDICAL TRAVEL INSURANCE

What is medical insurance coverage for “ foreign workers ” coming to canada.

Medical Insurance is available to Foreign workers working in Canada. Workers medical insurance helps cover workers from unexpected costs due to accidents, health or medical emergencies. Medical insurance coverage is specifically tailored to fit the needs of International Foreign Workers. In the event of a serious accident or a medical emergency, your medical insurance can cover the cost of returning you home or cover for emergency hospital including medical care without automatically repatriating the insured back to their home country.

WHO NEEDS MEDICAL INSURANCE COVERAGE?

Anyone applying for the Canadian Work Visa must show they've purchased private medical insurance that meets Work Visa requirements.

Requirements:

• •   Be valid for a minimum of one year  •   Include the necessary health care, hospitalization and repatriation coverage  •   Provide a minimum coverage of $100,000  •   Be valid for each entry to Canada and available for review by a port of entry officer

WHAT’S COVERED?

Foreign Workers Medical Insurance is intended to cover emergency health and medical expenses incurred while in Canada.  If you have a medical emergency while working within Canada, one toll-free phone call will put you in touch with a professional who will refer you to a Canadian doctor or facility in order for your to receive the care you need. * The expenses the applicant(s) incurs resulting from an Acute, Sudden and Unexpected Emergency are covered. Refer to contract & policy for more informations.

WHO CAN APPLY FOR INSURANCE coverage?

Applying from outside Canada, will eliminate any waiting period.

• – Anyone may apply for a work permit before they enter Canada.  – In some cases, you must apply to a visa office outside Canada.  – If you need to have a medical exam before you come to Canada

Working in Canada?

Part of getting your Work Visa is your responsibility to make sure you have the proper Medical Insurance coverage, while you are working in Canada.

Coming to Canada?

Canadian Medical Insurance offers a flexible and affordable way to protect against the cost of unexpected Medical Emergencies while in Canada; up to $300,000 coverage.

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  Optimal Travel™ is changing the face of Travel Insurance! We're not an insurance company - we represent them!Our main goal is to provide you with a comprehensive understanding of insurance plans and find you coverage that best meets your needs at an affordable price. We offer many types of travel coverage, making it easy and seamless to access proper coverage online or by phone. We take pride in the service we offer, and we have faith in our products.  Let our Team of Licensed Travel Insurance Specialists do the research for you. | Authorized Agents for Allianz Travel Insurance ‍ Our services extend to the following provinces/cities across Canada and more: Ontario | Newfoundland | Labrador | Nova Scotia | Prince Edward Island | New Brunswick | Alberta | British Columbia | Saskatchewan Insurance Carrier: Tour+Med | Blue Cross Travel™ | TuGo |  Allianz |  Manulife | GMS

Canada Work & Travel Insurance

Planning on moving to Canada? Get Backpacker Travel Insurance whether you are going to work, study or simply take a gap year in the other side of the Atlantic with your 2 year working holiday visa. Keep in mind that you will need travel insurance for the duration of your stay and you must present a copy of your policy when you enter the country.

We offer insurance for up to 2 consecutive years that meets all the requirements of the International Experience Canada (IEC), including medical and repatriation costs. It also includes many other benefits of a regular backpacker insurance policy, such as cover for work, sports, missed departure and baggage. Get a quote now and enjoy your time in Canada!

2 Year Policy from €486.75* Or customise your policy for any length of time up to 2 years.

*Online Premier price for 2 years Canada Only cover for one person under 50 years.

From €129.99* 6 Months, 1 & 2 Year policies available.

*Online Premier price for 6 Months Worldwide incl. USA/Canada cover for one person aged under 50 years.

Key Benefits of Travel Insurance for Canada

Emergency assistance service.

The Emergency Assistance Service is available to you 24/7 with worldwide and multi-lingual support.

Worldwide Coverage

You still will be covered with the policy if you decide to go on a quick trip up to maximum 21 days to The United States of America.

Medical Cover & Repatriation

The policy provides cover for Emergency Medical expenses including hospitalisation and repatriation expenses.

If your plan is to work in Canada, the policy can provide cover for a number of different occupations.

Winter Sports

If you are planning on hitting the Canadian mountains, you can add Winter Cover to your policy for an Additional Premium.

Instant Cover

With BackpackerTravelInsurance.ie you get instantly covered once you have not already departed or commenced your trip.

Please see the policy wording for full terms, conditions and exclusions.

Why choose BackpackerTravelInsurance.ie?

Super competitive prices.

In addition to affordable insurance policies, we provide two levels of cover, Premier and Premier Plus.

Easy Claims Process

Claims procedure is made as simple and straightforward as possible and there is a claims adjuster based in Ireland.

Multi Award Winning Company

Backpackertravelinsurance.ie is part of Cover-More Blue Insurance Services Limited, winner of numerous Best Travel Insurance Provider awards.

High Customer Satisfaction

We have received many 5 star reviews on Trustpilot.

Safe and Secure

BackpackerTravelInsurance.ie website is SSL certified and all the transactions are encrypted.

Trustworthy Underwriter

Policies are underwritten by MAPFRE ASSISTANCE Agency Ireland.

We have received many 5 star reviews on Trustpilot, an independent third-party review platform.

What our Customers Say About Us

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• More info Australia is a popular destination for both Working Holiday Visas and tourists, however, it is also worth considering Australia as a destination for studying. Better yet, foreign students are in great demand, with many nationalities. Many choose to study in Australia to improve their English skills, travel around Australia and to gain an international degree. Many choose to study in Australia.
• ANU: Australia's number one uni

Working Holiday Travel Insurance

Travel insurance is a major consideration when preparing for your departure abroad, no matter where you are travelling to. Some wonder if it is essential to take a policy out, and others wonder what is the best insurance to leave with complete peace of mind. Nobody wants to think about what can go wrong whilst travelling or picture the worst case scenarios such as a car crash, snake bites or surf accidents… But it is easy to forget you could also just get a bad cold and need to see a doctor. So even if it’s not the most entertaining part of preparing your travels, it is important to research travel insurances. This comprehensive article answers all your questions and helps you choose the coverage that best suits your needs for your trip.

Table of Contents

Working Holiday travel insurance: Comparison

There are a few insurances that offer special health insurance policies for travellers on a Working Holiday visa (in Canada, Australia, New Zealand or Argentina, etc). This is why we have drawn up a comparison of Working Holiday travel insurances for Australia & New Zealand that will make it easier for you to choose one that best meets your needs.

There are a plethora of comparison websites with search engines that spit out an overwhelming number of travel insurances. It’s difficult to make a general comparison though, as individual interests and plans differ. We have been working successfully with the partners listed below. If their policies don’t meet your needs, you will surely find a travel insurance provider that offers what you want, when doing your own research. We don’t recommend you to take out a cheap cover. Always compare travel insurance before subscribing.

SafetyWing is a company that specializes in providing travel medical insurance for digital nomads, remote workers, and long-term travelers. Founded with the aim of creating a safety net for the global workforce, SafetyWing offers flexible , comprehensive coverage that can be initiated and adjusted according to the unique needs of individuals who live and work from different parts of the world. Unlike traditional insurance policies that require long-term commitments, SafetyWing operates on a subscription basis. You can choose to start, pause, or stop your coverage as your travel plans change. SafetyWing provides coverage for unexpected medical expenses , including accidents and illnesses, as well as travel-related issues such as trip interruptions, lost checked luggage, and natural disasters.

Go Walkabout (UK citizens only)

Go Walkabout offers a very competitive Travel Insurance to UK citizens traveling with a Working Holiday Visa.

Go Walkabout is a travel insurance company known for offering a wide range of insurance products tailored to meet the diverse needs of travelers. Specializing in policies for backpackers, those taking working holidays, and individuals embarking on once-in-a-lifetime adventures like gap years or extended overseas stays, Go Walkabout is committed to providing comprehensive coverage that ensures peace of mind. Their offerings include cover for medical emergencies , trip cancellations, lost or stolen baggage, and even specific activities that are often excluded by standard policies, such as adventure sports. With a focus on flexibility and customer service, Go Walkabout aims to make the process of purchasing and using travel insurance straightforward and hassle-free, ensuring travelers can focus on enjoying their journey with the assurance that they are well protected.

Go Walkabout Working Holiday policy has been specifically designed to cover a large range of jobs you might be doing whilst away from the UK. It also covers activities: 99 sports, activities, and leisure pursuits (without extra cost) , but you can also have a multitude of other activities covered with the addition of further activity packs.

Prices depend on different factors, such as your age, the length of your trip, visited countries, etc. But you can get a quick quote by clicking on the button below. Make sure to use our promo code   ABG10 to get a 10% discount!

True Traveller

True Traveller is a travel insurance company highly regarded by backpackers, adventurers, and long-term travelers for its comprehensive and flexible insurance options . They offer three Policies called True Value, Traveller and Traveller Plus. True Value is designed for travellers under 40 years of age , and is designed for last minute travellers and backpackers . The Traveller policy, is designed for holiday makers and adventurous travellers alike, and Traveller Plus gives enhanced medical and cancellation cover .

What sets True Traveller apart is its ability to provide coverage for a vast selection of adventure activities that many other insurers exclude, making it a popular choice for those engaging in hiking, skiing, scuba diving, and more. Customers can tailor their insurance to suit their specific travel plans, with options for single trips, multi-trip coverage, and extended stays. True Traveller is known for its straightforward claims process and excellent customer support , ensuring that travelers have access to assistance whenever they need it, wherever they are in the world.

World Nomads

World Nomads is a simple and flexible travel insurance for international travel. One of the key features of World Nomads is its flexibility . Policies can be purchased and modified online, even after the trip has begun, making it an ideal choice for long-term travellers and those whose plans are fluid.

World Nomads covers more than 100 countries worldwide except those that have specific Government ‘Do Not Travel’ warnings in place, and any sanctioned countries. So before or after your Working Holiday Adventure in Australia, you can easily have a stop over for a few days or even for a few months in other countries like Indonesia or New Zealand while being covered.

What truly sets World Nomads apart is its deep commitment to the travel community , offering not just insurance, but also a wealth of resources, travel guides, and safety tips to help travellers prepare for their journeys.

Prices depend on different factors like country of residence, age, duration of your travel, and countries you are going to visit. To get a quote, click on the button below.

Note: We receive a fee when you get a quote from the agencies listed above when you use the links provided. We do not represent these agencies. This is not a recommendation to buy travel insurance.

Remember, not all insurances offer the same cover in relation to luggage, emergency care, the practice of extreme sports, or even a possible repatriation or return to the country. Let’s say your teeth have caused a bit of pain lately, so make sure that emergency dental costs are covered. If you plan to go scuba diving, have a look if scuba diving is included. If you’re keen to travel for more than a year, choose a health insurance policy that will cover you for up to 24 or even 36 months. Most importantly, tick off the main criteria that are reimbursement of medical expenses and hospitalization, repatriation, and civil liability.

Read also : How to choose the best Working Holiday Travel Insurance

How to choose the best Working Holiday travel insurance?

There are quite a few health insurance providers, all of which have special features. To make the right decision, you need to thoroughly inform yourself and choose insurance that best suits your needs . This means, don’t skip reading the details.

When should I take out travel insurance?

It is advisable to take out health insurance as soon as you know your departure date. So wait until you have obtained your WHV and bought your plane ticket to subscribe. We advise you to subscribe a little in advance (2 or 3 weeks before departure).

In any case, insurance will not cover illnesses or accidents occurring before the contract takes effect.

If you are already abroad, do not panic! You can also take out insurance to cover you if you’ve already started travelling and already overseas. However, a waiting period may be applied (except in the event of contract renewal), always check with the insurance company prior taking out a policy.

Do I need a travel insurance?

When travelling abroad, you are generally more active and venturesome. Even though in most cases, you are as fit as a fiddle when coming out of the surf or back from a hike, there is always a chance that something goes wrong. Moreover, conditions in foreign countries are different, so the likelihood of falling sick is higher. Here are some of the reasons why you should get covered before leaving:

Healthcare System in Australia

You should think about getting a travel insurance for Australia to cover the services not included in the Medicare insurance, which are important for you and in case something goes wrong. It is also important for the time you are travelling overseas before or after your Work & Travel adventure.

Citizens of the  United Kingdom,the Republic of  Ireland, New Zealand, Sweden, the Netherlands, Finland, Italy, Belgium, Norway, Slovenia, Malta  can benefit from the Australian Health Care System (Medicare) thanks to  bilateral agreements  with Australia. For others, as Medicare is limited to citizens and permanent residents, travellers or temporary residents are not entitled to claim any benefits from Medicare. You should check if your national insurance plans cover international travel . If not, it is highly recommended to get a travel insurance.

As a member of the United Kingdom , you are eligible for Medicare . However, you aren’t covered at work for example, or when you need repatriation back to the UK if necessary. That’s why you need to consider getting a travel insurance.

The cost of living is high in Australia. The same goes for medical expenses, hospitalisation, etc. Here some examples of prices:

• Consultation with a general practitioner: from 80 AUD;
• Consultation at a dentist: 200 AUD;
• One day of hospitalisation: from 1500 AUD excluding care.

If you did not get any health insurance that covers you in Australia, these expenses are obviously yours. To make it short, if you don’t want to pay for potential medical expenses in full yourself, take out travel insurance!

Unsuitable Bank Card Insurance

Some travellers leave with a Visa Master or Gold Mastercard, thinking they will be covered no matter what. First of all, note that credit card insurance generally only covers you for a maximum period of three months. Working Holiday Makers usually come to Australia anywhere between six to 24 months (or 36!). Moreover, in general these cards only cover emergencies and repatriations, not traditional care such as consultations with a GP and medication.

Health Risks in Australia

By leaving for a few months, or even for one or two years, to Australia you will be of risk of having accidents . Nevertheless, every year backpackers leave for Australia without insurance trying to save some money, but end up finding themselves in really delicate situations. Australia can be an adventurous country and it is not uncommon to undertake exciting activities such as skydiving, scuba diving, cliff jumping etc. Inherently, the risk of accidents is higher when the danger can be part of the excitement. Even during a road trip, you might run into accidents. In the worst case we must also think about our families. In case of death, the cost of repatriation of the body and funeral expenses can be extremely expensive. Nobody wants to think about these things, but they do happen and it is better to be prepared beforehand.

Aside from the risk of accident you can get sick while traveling in Australia. A simple cold, food poisoning, a toothache…small annoyances of everyday life that can quickly eat up your travel budget if you do not have insurance.

Koalas and kangaroos aren’t the only animals that call Australia home! Pay particular attention to  mosquitoes ! Although the risk is low, cases of dengue have been revealed in northern Queensland. Mosquitoes are also vectors of transmission of the Ross River virus or Murray Valley encephalitis (similar to Japanese encephalitis). Again, the risk is very low, but it is never too safe to protect yourself against mosquito bites.

Australia is home to a variety of venomous creatures , including snakes, spiders, jellyfish, and marine animals like the blue-ringed octopus. While encounters with these creatures are relatively rare, it’s important to be cautious, especially in natural habitats, and know what to do in case of a bite or sting.

Australia’s high pollen levels and unique flora can trigger allergies and asthma for some individuals. The country also experiences periodic dust storms and bushfire smoke that can affect air quality. Those with respiratory conditions should carry necessary medication and stay informed about air quality reports.

Precautions and Preparedness

Know the local emergency number in australia: ‘000’.

The most important number is “ 000 “, which includes police, firefighters, and ambulances, who are available 24 hours a day, 7 days a week. This number is common to the whole of Australia.

Royal Flying Doctor Service for remote areas

In remote areas, it may take some time before these help desks can help you. In this case, contact the  Royal Flying Doctor Service , a group of doctors and pilots who can fly in to rescue you from the outback. These are the numbers for different states: 

SA (Outback Areas): 1800 RFDS SA (1800 733 772)

NT (Central Australia): 1800 1MRACC (1800 167 222)

NT (Top End/Darwin): 000 (St John NT)

HF Radio: (4010kHz, 6890kHz or 8165kHz)

Emergency Poison Advice

Poisons Information Centre provides the latest poisons information to the public, and toxicology advice to health professionals on the management of poisoned and envenomed patients. Telephone advice is available 24/7 on 131126 from anywhere in Australia.

First Aid kit

Carry a basic first aid kit and any personal medications with you.

Am I reimbursed for healthcare costs while I am abroad

Isn't my bank card insurance enough for my trip.

If you have a premium bank card (Visa Premier or Mastercard Gold), you can benefit from cover for up to 90 days. However, most WHV stays last between 6 and 24 months. These cards will not cover standard medical care, but only emergencies and repatriation. Basic cards generally do not offer health cover for travelling abroad.

Am I covered in other countries during my trip?

This will depend on the insurance company you choose. However, in most cases, you are covered worldwide as long as your working holiday visa is valid. So you will be covered in your working holiday host country and also in the rest of the world if you decide to travel during your WHV. Be careful, however, to check the cover that applies outside your whv country (often tourist cover, so you won’t be covered in the event of an accident at work, for example).

How do I renew or extend my travel insurance?

It’s quick and easy! All you have to do is go to your insurer’s website and take out a new policy with new dates. The start date of the new policy must, of course, be the day after the end of your first policy. This will ensure that you don’t run into any problems if an incident or illness occurs between the two policies. If this were the case, there would unfortunately be no coverage.

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IEC Working Holiday Travel Insurance

The following information applies to policies purchased from 30th October 2023 onwards. For policies purchased prior to 30th October 2023: you can find the PDS relevant to you in your policy confirmation email, by logging into My Policy , or you can contact us for assistance.

Step-by-step guide for a 2 year IEC Policy

Step 1. get a quote for 12 months.

You can get a quote for your travel either through our   website   or over the phone  by calling 1300 409 322  - noting this will be for a maximum of 12 months in the initial quote stage. Getting 2 years of travel insurance to meet visa requirements is explained in Step 4.

Step 2. Decide your level of cover

Compare the benefits of either Comprehensive, Standard Saver or Basic. Then assess if you require a   Snowsports   cover (for Skiing and Snowboarding). Please note all of our overseas policies offer unlimited Overseas Emergency Medical & Hospital Expenses PLUS Overseas Emergency Medical Evacuation & Repatriation.

Step 3. Finalise your Policy

We can help you finalise the Policy over the phone via a credit/debit card OR you can utilise our website for additional payment options such as PayPal (Pay-in-4 may be available), Apple Pay or Google Pay.

Step 4. Extend your cover for an additional 12 months

I f it is   less   than one month until your departure, you will be able to extend immediately.  Login to   Your Policy  and select "Extend your Policy", you may select up to a further 12 months. If more convenient, you can also call our helpful Australian based call centre by calling  1300 409 322   or reply to your policy confirmation email and we can arrange this extension for you.

If it is   more   than 1 month until your departure, you will have to wait until 1 month until your departure date to contact us or you can do it then yourself by logging into  Your Policy .  

Step 5. Print out your Policy Documents

We will email your updated documents - be sure to print out and/or take a screenshot on your phone of your Certificate Of Insurance which includes all your policy Benefits and limits, so you can present it to Canadian Immigration upon arrival!

What is IEC Travel Insurance for Canada?

Every year thousands of Australians head to Canada on the International Experience Canada (IEC) program for a one or two-year working holiday.

Between hitting the slopes in numerous snow resorts,   trekking and hiking   in scenic Jasper National Park, exploring the Rocky Mountain ranges, white water rafting on the Yukon or kayaking on one of Canada’s thousands of pristine lakes, there’s so much to do and see you’ll certainly never be bored on your days off work!

The IEC program only accepts a limited number of participants each year, so it’s important to make sure you meet the strict visa and work permit requirements so that you don’t miss out. Travel insurance that covers the duration of your IEC visa is one of those requirements.

Fast Cover’s working holiday travel insurance for IEC visas, provides cover for travellers who want to experience living and working in Canada for up to two years as part of the IEC program.

Why do I need IEC Canada Insurance for my Working Holiday Visa?

Travel insurance is required for the IEC visa because it can provide cover for some of the various unforeseen and unexpected emergencies you might experience while travelling in Canada.

Australians travelling to Canada to undertake a 2-year Working Holiday Visa as part of the IEC program are required to have International travel insurance that includes medical, hospitalisation and repatriation cover for the duration of their visa. 

All Fast Cover Comprehensive , Snow Sports Plus , Standard Saver and Basics policy options include 24-hour Overseas Emergency Medical Assistance as well as unlimited Overseas Emergency Medical and Hospital Expenses cover for IEC travellers, as well as:

• Repatriation: cover for medical transport and related expenses if you become seriously ill or injured overseas and need to be returned home to Australia for treatment.
• Up to $20,000 AUD cover for the repatriation of your remains to Australia if the worst should happen and you die overseas.

Some of our policies include benefits for cancellation , luggage , travel delays, and cover for lost or stolen credit card or travel documents.

If you’re in an emergency while on your working holiday in Canada, our emergency assistance team can help direct you to local medical providers, coordinate alternative transport, and act as a guarantor for overseas emergency medical expenses if required.

Note that the Australian Government recommends travel insurance to be taken out by all travellers to cover them for unexpected emergency medical expenses overseas.

For more information and the latest requirements about the International Experience Canada insurance, visit the Canadian Immigration and Citizenship website.

Is there health insurance for visitors to Canada?

Canada does have a public health care service available for Canadian Citizens and permanent residents. To access it, you’ll need to apply for provincial health insurance and serve the waiting period which is generally up to 3 months but you should check with the province you reside in. Alternatively, your employer may provide it for you once you have served your probationary period. So, once you get a job, ask your boss about getting universal healthcare. Once you’ve been approved, you’ll be issued with a card which you are required to present when you attend a medical clinic or hospital.

However, you should be aware that Canada’s public health insurance may not provide the level of cover required for your IEC visa. 

Common expenses that may not be covered by provincial health care include:

Sporting injuries while in Canada

Participating in Snow Sports is a very common activity for travellers on an International Experience Canada visa.

IEC visa insurance can provide assistance if you’re injured whilst participating in not only winter sports like skiing and snowboarding, but injuries from other covered sports or riding a motorcycle, moped or scooter. If you end up with a broken bone or become injured while participating in activities that we provide cover for including surfing, scuba diving or hiking , you have a 24/7 team of medical assistance experts that you can call to assist you in the event of an emergency.

Your luggage or belongings being lost, stolen or damaged during your working holiday

If your bag is lost, stolen or damaged, the   Luggage and Personal Effects benefit   can provide cover for your loss.

If someone grabs your bag while you’re travelling or tries to rip your possessions out of your hands, there may be provision to claim under your IEC Canada insurance. Make sure that you obtain a police report as soon as it is reasonable to do so, but preferably within 24 hours of the theft to submit with your claim.

Be wary, keep your stuff in sight and reach at all times!

Emergency medical repatriation for IEC visa holders

If you’re injured or sick when you’re travelling, we have a 24/7 emergency medical assistance team that will be able to organise repatriation for you to return home to Australia for treatment, if they deem it necessary.

The emergency team can arrange for you to be accompanied by a registered and approved nurse if required, and there’s also cover for an immediate family member to fly to Canada and fly back home to Australia if needed.

Travel Insurance with cover for Personal liability

Fast Cover Travel Insurance policies also include   Personal Liability Insurance .

This benefit can provide cover should a claim be made against you for the death or injury of a person, or the physical loss or damage to property.

Travel insurance may be able to assist in the payment of compensation and legal expenses whilst you work in Canada.

Top 5 things you should know about IEC Travel Insurance:

1. Cover for repatriation

It’s a requirement by Canadian immigration that travellers participating in the   International Experience Canada program   are covered for repatriation, hospital and medical.  Good news is that all Fast Cover policies provide cover for   repatriation   and overseas emergency hospital and medical expenses.

2. Two years’ worth of insurance

Another requirement for International Experience Canada policies is that it covers you for the length of your visa.  Fast Cover policies can be purchased for up to 1 year and extended for up to another year, ensuring you receive cover for the duration of your two-year working holiday visa.

3. Ability to return home without voiding your IEC insurance

Not all IEC travel insurance policies allow you to return home for a reason that isn’t covered under your policy without voiding your insurance policy.  Fast Cover policies allow you to return home to attend a wedding or birthday, or simply because you’re homesick, and resume your trip, as long as you have at least 14 days remaining on your policy. Of course, your return expenses in these situations aren’t covered under your policy, but your policy will still remain valid up until the return date as listed on your certificate of insurance.

4. Travel insurance that covers snow sports and more adventurous adventure activities

Our policies have an ability to upgrade to the   Snow Sports Plus   policy if you will be skiing or snowboarding or an optional   Adventure Pack   for the more adventurous traveller.

5. Travel insurance with pre-existing medical cover

When purchasing travel insurance for working in Canada, you can complete a medical screening for your existing medical conditions. Check out our Medical Conditions page for more information about medical screening for your existing medical and pregnancy conditions including information about the General Exclusions that may apply*.

Can I get cover for skiing, snowboarding or other snow sports?

Yes! If you want to do any skiing, snowboarding or other snow sports while in Canada or overseas, you can purchase our  Snow Sports Plus  policy which provides cover for:

• On-piste skiing and snowboarding
• Off-piste skiing and snowboarding with a professional instructor
• Big foot skiing and snowboarding
• Cross-country trail skiing
• Glacier skiing and snowboarding
• Cat and heli-skiing
• Ice skating
• Ice luge-ing
• Snowmobiling
• Tobogganing

If you will only be skiing or snowboarding for a short length of time (less than a month or two), you may purchase a Comprehensive , Standard Saver or Basics policy to provide cover for your IEC visa, and then purchase a Snow Sports Plus policy to cover the time that you will be skiing or snowboarding.

What other sports and activities are covered?

Just because you’re on a work permit doesn’t mean it’s all work and no play!

Canada’s many lakes, national parks and rugged wilderness means there’s no shortage of outdoor activities and adventure sports for you to try while you’re there.

To help you make the most out of your days off work, Fast Cover  covers a bunch of exciting sports and activities that are particularly popular in Canada. For travellers who are looking for something a little more thrilling to do during their time off, we also have an optional Adventure Pack add-on to cover more risky activities.

Covered sports and activities include:

• Bungee jumping
• Canyon swinging
• Canoeing and kayaking in rivers, rapids, lakes and canals up to Grade III
• Walking, hiking, trekking or tramping up to 3,000 metres
• Dog sledding
• Scuba diving up to 10 metres
• Ice skating on a rink
• Indoor rock climbing
• White water rafting up to Grade III
• Gym activities

Adventure Pack sports and activities include:

• Animal conservation and handling
• Canoeing and kayaking in rivers, rapids, lakes and canals up to Grade V
• Hiking, trekking or tramping up to 6,000 metres
• Quad biking
• Scuba diving up to 30 metres
• Outdoor rock climbing
• Tandem skydiving, hang gliding, parachuting and paragliding
• White water rafting up to Grade V

How much will my IEC Canada insurance cost?

To get an idea of the approximate cost for a two-year policy, just double the quote you have for the first 12 months. However, keep in mind that insurance prices can change over time.

To help you save on your travel insurance, Fast Cover will honour any discounts you received on the initial purchase when you extend your policy for the second year.

Can I return home to Australia for a visit without voiding my insurance?

Yes, you can!

We understand that for many young travellers, committing to one or two years working abroad without being allowed to return home can seem a bit daunting.

We also thought it was pretty unfair, so all of our policies allow for unlimited trips home to Australia during your working holiday.

It also doesn’t have to be for a medical emergency or something unexpected. You might just want to come back for a visit, or to attend a special event like a birthday, wedding or spend Christmas with your family. And that’s completely fine too!

Your policy will simply be suspended from the time you return to your home in Australia until the time you leave your home to continue your trip. And you don’t even need to let us know.

There’s only a couple of conditions to keep in mind:

• You must have 14 days remaining to the end date on your Certificate of Insurance.
• We will not pay any costs in relation to your return to Australia unless the costs are covered by this policy.

Following the resumption of your trip, your policy will remain valid until the end date shown on your Certificate of Insurance or your permanent return home, whichever comes first.

Can I get a refund on the second year once I have my IEC visa?

No, sorry. If you’ve already started travelling or exercised a right under the policy to obtain your working visa, we cannot cancel and refund the second year of your policy.

If purchasing travel insurance to cover the entire duration of your working holiday is a condition of entry into the IEC program, cancelling your policy after arriving in Canada might invalidate your work permit and result in the cancellation of your working visa. You may even face deportation if you have already entered the country.

What if I only have a one-year IEC insurance when I arrive in Canada - can I still get a two-year visa?

If you wish to stay in Canada for two-years, the IEC website does state that before you arrive in Canada, you need to have travel insurance for the duration of your stay, to be eligible for a 2 year working holiday visa.

It’s your responsibility to make the necessary enquiries regarding your IEC visa and the eligibility requirements. We’re not able to cover your cancellation costs if you’re refused a visa or issued with only a one-year visa because you entered Canada with a one-year travel insurance policy.

Can I get a partial refund on my insurance if I return home early?

No, sorry. If you voluntarily choose to cancel your trip and return home early, we can’t provide a refund for the remaining time left on your policy or cancel the second year extension of your policy. The price charged for everyone’s policy has been calculated so that we can pay the claims of your fellow travellers.

If you’re not sure how long you want to stay overseas, it might be a better option for you to purchase a one-year policy initially and then extend it at a later date. However, you should keep in mind that if you enter Canada with a one-year IEC visa insurance, you may only be issued with a one-year working holiday visa.

If you’re returning home early due to an unexpected illness, injury or other claimable event, you may wish to make a claim under your policy for related expenses.

Can Aussies working in Canada travel to other countries on their IEC visa insurance?

You can enter all the countries that you plan to visit when you get a quote. You can even contact us while you're in Canada to add even more countries to your policy, at no extra cost!

If you're not sure of the other countries that you plan to visit yet, or simply want to keep your options open, we can handle that too - you can simply select the 'Worldwide' region, which will provide cover for you to visit other countries or regions.

Also, a policy for Canada belongs to the 'Worldwide' region, which means it includes cover for countries in all the lower regions at no extra cost as well. This means that if you felt like visiting the United States , Singapore, New Zealand  or  Fiji on the way home, or even popping over to Europe, you can! Of course, this side travel still needs to be within the specified travel dates of your policy.

Please note that we are not able to provide cover for every country, and this can be due to reasons which includes but are not limited to:

• An Overall Advice Level of ‘Do not travel’ issued by the Department of Foreign Affairs and Trade (DFAT) and published on   smartraveller .
• A General Exclusion that applies to all benefits in the   PDS , which states to the extent permissible by law, we will not pay under any circumstances if you travel to Cuba, Iran or North Korea.
• A specific decision to not cover travel to certain destinations as a result of current extraordinary circumstances and/or due to underwriting eligibility criteria.

The circumstances in each country are constantly monitored and updated, so if you’re not sure if we are able to provide you with cover for the country that you plan to visit, you should check on our website, or contact us to check if we are able to provide you with cover for the country that you are visiting.

What is the Best Travel Insurance for Canada Working Holidays?

When assessing the right policy for you and your travel needs, it’s always best to review the benefits included in the insurance policy, and any that are required for your working holiday visa.  This way, you’ll be able to find the right IEC travel insurance policy for your IEC trip.

Did you know that Fast Cover won 9 awards in 2023 alone ? The awards include “Travel Insurance of the year 2023”, “Outstanding Customer Service 2023”, “Best Quality Travel Insurance 2023”, 'Best Value Domestic Travel Insurance” from WeMoney Awards* , just to name a few.

*†Fast Cover has a referral arrangement with this company.

Below are the benefits included in these multi award-winning policies:

2 year travel insurance for Canada

Fast Cover policies can cover you for up to two years while living and working in Canada.  Travel insurance is your resource to better deal with many of the unexpected situations you might experience while travelling on the IEC visa, including 24 hour emergency assistance, emergency hospital expenses and repatriation cover.

Repatriation cover while on a working holiday in Canada

Repatriation put simply means ‘to return you back to your home country’. Our repatriation cover is able to bring you back to Australia if you become sick, injured, or die overseas.

Range of policy options for Australians working in Canada

Fast Cover provides Travel Insurance policies ranging from Basic policies to Comprehensive Travel Insurance and also a Snow Sports Plus option for the avid skiers or boarders.

Travel Insurance with 24 hour emergency assistance

When overseas, you’ll have access to your 24/7 emergency medical assistance team. Whether you have an emergency or you're just not sure about something while overseas, you can call the 24 hour emergency assistance team.

IEC Travel Insurance with medical & hospital cover

This benefit provides cover for unexpected overseas medical expenses such as doctor’s consultations, prescribed medications for any acute medical conditions that arise such as antibiotics, the cost of staying in hospital and medical treatment such as surgeries. In serious cases, you may also be repatriated home to Australia if necessary.

Skiing and snowboarding cover while on a visa in Canada

Our Snow Sports Plus policy provides travel Insurance for Skiing and Snow Boarding while in Canada.  This Travel Insurance policy includes cover for off-piste (with a professional instructor), heli-skiing, cat-skiing, back-country skiing with a professional snow sport instructor and snow mobiling.

Cover for luggage and personal effects while working overseas

If your bag is lost, stolen or damaged we may be able to assist under the Luggage and Personal Effects benefit . If someone grabs your bag while you’re travelling or tries to rip your possessions out of your hands, there may be provision to claim under your IEC Canada travel insurance policy. Remember that there are thieves that target tourists around local shopping centres or upmarket areas.

Adventure sports and activities cover while travelling in Canada

In addition to the list of included Sports and Activities, Fast Cover policies have an optional Adventure Pack for the adventure seeking travellers, which can cover activities such as abseiling, amateur contact sports, hiking, quad biking, white water rafting, and zip lining.

Motorcycle riding while in Canada

The Fast Cover Motorcycle Pack can provide cover for riding motorcycles. mopeds or scooters overseas, as long as you have a n Australian Provisional or higher motorcycle licence, and are licenced to ride in the country you’re visiting. 

If you’re going to be a passenger on a motorcycle, the person in control of the motorcycle must hold a current licence (Provisional or higher) valid for the same class of motorcycle, mope or scooter that is valid for riding in Canada.

You should check local laws to determine what local or international licences may be required.

pre-existing medical conditions for your IEC Canada insurance

Check out our Medical Conditions page for more information about medical screening for your existing medical and pregnancy conditions including information about the General Exclusions that may apply*.

Trip disruption expenses if your IEC working holiday is interrupted

If you purchase a Comprehensive, Standard Saver or Snow Sports Plus policy, and your holiday is disrupted because you, your travelling companion or a family member back home is sick or injured, a natural disaster occurs or your travel documents have been stolen, you may be able to claim for additional accommodation, travel or travel document replacement costs.

Real-life IEC Claims Stories ~

Hannah's hospital shock.

Hannah, an 18-year-old snowboarder from NSW, was on a working holiday in Canada when she was admitted to hospital with severe abdominal pain. Further tests found she had an inflammatory bowel disease which required emergency medical treatment. The Fast Cover Emergency Assistance team stepped in to manage Hannah's care and acted as a guarantor for the payment of her hospital bills. Hannah's Snow Sports Plus policy set her back just over $1,000 but covered over $48,000 AUD worth of medical treatment and her recovery in hospital.

Shirelle’s Policy Pays Off – Twice!

Shirelle and her partner travelled to Canada on the IEC. They had scored great jobs at the Big White Ski Resort and planned to hit the slopes on their days off. However, just a few weeks into their holiday, Shirelle woke up with severe pain in her jaw. The pain was so bad she couldn’t eat or sleep! A dentist confirmed she required an emergency wisdom tooth extraction at a cost of around $500 USD. Shirelle contacted the Fast Cover Emergency Assistance helpline, submitted her claim and was fully reimbursed. Unfortunately, that was not the end of their troubles overseas, as Shirelle’s partner’s mother also unexpectedly passed away. Once again, they were reimbursed for their flights home to Australia for the funeral, as well as returning to Canada, covering almost $5,000 AUD.

~Traveller details have been changed to protect their privacy. Claims examples are from Fast Cover travel insurance customers from 1 July 2013 to 30 June 2016.

How can I find the right IEC Canada travel insurance policy?

We know it can be hard to know which travel insurance for the IEC is the right one for you. To help you out further, check out our handy guides on what to look out for, so you can find the IEC insurance policy that suits your type of working holiday.

• Benefits to look out for when looking for Canada working holiday visa insurance
• Find out what is generally not covered by your working holiday insurance

Why Travellers Recommend Fast Cover for their IEC Travel Insurance

Fantastic insurance company for those on iec.

I had my wallet stolen while I was on the IEC in Canada. I made the claim which got approved relatively quickly with all the documents I had provided. The claim process was very easy and quick to do and I was very happy with the outcome.

IEC Travel Insurance Made Easy

With so much other things to stress about when relocating overseas, having straight forward, clearly defined and easy to set up travel insurance was a weight off my mind. Getting updates on specials was an added benefit.

Price Competitive and Easy

Easy to do and extend to 2 years, customer representative very helpful on the phone as well. Competitive pricing for IEC, so will recommend and use again in the future

IEC Travel Insurance FAQs

I'm doing the iec program - how do i get a 2 year policy.

As long as you meet the eligibility criteria detailed in our Product Disclosure Statement (PDS) to buy travel insurance from us, we can provide a policy for up to two years through extension of your policy.

Initially, we are only able to issue you with a 12-month policy. Then, 30 days from your policy start date, you can login to your policy on our website and extend it up to a further 12 months for an additional premium. The date changes are instantaneous and you'll be able to download your updated certificate immediately showing your new cover dates.

You can also contact us via phone on 1300 409 322 or reply to your policy confirmation email to arrange this extension.

Cover is subject to the policy terms, conditions, limits and exclusions.in the  Product Disclosure Statement (PDS) ..

• IEC working holiday travel insurance

Can I get a policy for 2 years?

Yes, you can take out a 2 year travel insurance policy if you are travelling overseas.

As long as you meet the eligibility criteria detailed in our Product Disclosure Statement (PDS) to buy travel insurance from us, we can provide you with a policy for up to two years through extension of your policy.

Whether you're off to Canada on the IEC program to work the snow season, teaching English in Southeast Asia, volunteering in Africa, studying in Europe or just want to see the whole wide world, we'll be able provide you with cover. And if you're working, you'll have cover while you work and play!

• Firstly take out a 12 month policy, then
• Up to a month before your policy starts (this is the departure date specified on your policy certificate), you can login to your policy on our website, and extend it up to a further 12 months by paying an additional premium.

Once your payment goes through, the date changes are instantaneous and you'll be able to download your updated policy certificate immediately, showing your new cover dates. If you prefer, you can even start your policy the day before you actually leave Australia, which means that you'll be able to extend your policy up to another 12 months the day before you leave.

Now you're all set to go!

If you satisfy all of the requirements to take out an Already Overseas policy as detailed in our Product Disclosure Statement (PDS) . you can still take out a 2 year travel insurance policy. The process is the same as above, however, you MUST select the "I am already overseas" option when getting your quote and take out an Already Overseas policy.

• [email protected] (or simply reply to the policy confirmation email that we originally sent you)
• 1300 409 322
• +61 2 8215 7239 (from overseas)

For more information on our policies, refer to our Product Disclosure Statement (PDS) .

• Working holiday travel insurance

Why should I consider buying IEC travel Insurance?

There are some risks you will be exposed to when travelling and working while on an IEC visa, including possible injury, emergency medical repatriation and belongings being lost, stolen or damaged.

If you are in an emergency while on your working holiday in Canada, your travel insurer's emergency assistance team can assist in directing you to local authorities, coordinate repatriation back to Australia if this is deemed necessary, and act as a guarantor for overseas emergency medical expenses if required.

Am I eligible for IEC travel insurance?

Fast Cover policies are available to Australian Citizens or Permanent Residents. See ' Can I buy a policy? ' in our FAQ section for more details and check the IEC insurance requirements.

If you have a pre-existing medical condition, check out our Medical Conditions page for more information about medical screening for your existing medical conditions including information about the General Exclusions that may apply*.

If you are likely to be participating in adventurous activities such as motorcycling, abseiling or trekking between 3000 and 6000 metres, it is a good idea to take out the Adventure or Motorcycle Pack. If you do not, no cover will be available under your policy in relation to those activities.

Cover is subject to the policy terms, conditions, limits and exclusions in the Product Disclosure Statement (PDS) .

Please note: any advice is general advice only and has not taken into account your individual objectives, financial situation or needs. Consider the PDS prior to deciding whether this policy is right for you.

I am travelling with a friend to Canada for the IEC Visa, can we purchase a policy together?

Yes! If both you and a friend are participating in the IEC Visa in Canada, you may purchase a DUO policy together. However, note that any extensions, date changes, add-on packs etc apply to the entire policy. So, if there is any chance one of you may change your mind, or have a different appetite for travelling, adventure sports, etc, it may be a good idea to purchase separate policies.

When should I purchase my travel insurance for my IEC Working Holiday?

You can purchase travel insurance for your trip to Canada 12 months prior to your departure date and right up until you board the plane.

If you are overseas and remember you do not have travel insurance, we may be able to assist with our Already Overseas Travel Insurance . However, the earlier you purchase travel insurance, the earlier your cancellation cover will be in place.

Does the IEC travel insurance cover for elective dental or medical procedures?

You may be able to find cheaper elective medical surgery while travelling overseas, including breast enlargements, liposuction and Botox, however this is generally excluded from travel insurance. If you experience a complication as a result of the surgery, either while you are in Canada or after you return home, you will not be covered by travel insurance.

Cover is subject to the policy terms, conditions, limits and exclusions in the  Product Disclosure Statement (PDS) .

^ Price as at 20/03/2024 compared to the price calculated today for this policy.

* See Product Disclosure Statement for full terms and conditions and exclusions and limits that apply.

† Fast Cover has a referral arrangement with this company.

The entity that referred you does not act for Fast Cover and may receive remuneration from us. You can ask them or us for more details. Make sure any information listed in any quote provided remains accurate and if not, please change it on our website.