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Coverage for one trip .

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Visiting Canada Coverage

Why buy travel insurance?

Emergency medical treatment or hospitalization

Sickness or injury before or during a trip

Travel delays or interruptions

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Within the Lower Mainland:

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• 1 Your Trip Details
• 2 Plans & Packages
• 3 Personal Information
• 4 Purchase Your Plan

Your Trip Details

Please provide your trip details, so we can quote a travel plan that will best suit your needs.

Visitor to Canada Trip Plan

Our Visitors to Canada Travel plan provides protection against the high cost of emergency medical care for foreign visitors entering Canada

Before we start

Definitions, foreign workers and immigrants.

This insurance is available to foreign workers in Canada and to immigrants or persons who intend to file an application for immigrant status during their trip. For foreign workers, a valid proof of active work during the Period of coverage is required from the employer.

Foreign Students

This insurance is offered to foreign students in Canada. Registration as a full-time student in an educational institution is required during the Period of coverage.

Visitors To Canada

This insurance is offered to foreign persons visiting Canada.

Returning Canadians

This insurance is offered to returning Canadians that are not eligible for a government health insurance plan due to an extended leave.

• Visitor to Canada
• Foreign Student (49 and under)
• Landed Immigrant
• Foreign Worker
• Returning Canadian

Are you buying this coverage prior to or within 30 days of your arrival in Canada?

Policies may only be purchased prior to or within 30 days of arrival.

If you wish to extend your existing Visitor to Canada Coverage you must contact us directly.

For more information or to extend your existing plan, please contact us at 1 800 873-2583 or email us .

Who is Visiting?

Complete this section if you are travelling alone and selected "Visitor to Canada" above.

Complete this section if you are travelling alone and a Foreign Student.

Complete this section if you are travelling alone and a Landed Immigrant OR a Foreign Worker.

Complete this section if you are travelling with one or more family members and selected "Visitor to Canada" above.

What is an Adult?

Adult means a person who is:

• 19 years of age or older, and
• not applying as a dependent.

What is a Dependent?

A dependent is defined as the child of the applicant, the applicant spouse, or both, over 30 days old before departure date, who is dependent on the contract holder, who is not married, and who is:

• under 21 years of age or;
• under 25 years of age and attends an educational institution full-time as a duly registered student, or;
• with disabilities

For a disabled dependent, 21 years of age or older, please call us at 1 800 873-2583 or 604 419-2200 in the Lower Mainland to purchase coverage.

Complete this section if you are travelling with one or more family members and a Foreign Student

Complete this section if you are travelling with one or more family members and a Landed Immigrant OR a Foreign Worker

Discount Eligibility

If you have a Pacific Blue Cross Extended Health Care and/or Dental plan you may be eligible to receive a discount off of your Travel Insurance premium during our sales promotions. Simply enter your Promotion code or your friend or relative’s extended health or dental policy number and any applicable discounts will be applied.

How long are you visiting for?

When this coverage is purchased prior to arrival in Canada, coverage becomes effective on the day you arrive.

If you wish to extend your existing Visitor to Canada Coverage you must contact us directly at 1 800 873-2583 or email us .

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BC Health Plans | MacLellan Moffatt

Health insurance and travel insurance plans for British Columbians

Pacific Blue Cross Travel Insurance

You never know when an accident or medical emergency will happen. If it occurs while travelling, it can cost you thousands of dollars. If you don’t have the right protection, that’s not the souvenir you want to take home from your vacation.

Our Pacific Blue Cross travel insurance products are designed to provide peace of mind to British Columbians from Vancouver to Prince Rupert to Fort St John.

As travel insurance advisors, we work with most of the travel insurance carriers in Canada including Blue Cross and Manulife. That means we shop on your behalf for both price and quality.

Don’t rely on your credit card insurance or group insurance coverage. Be sure to pack one of our travel insurance plans in your bag before you leave home.

Emergency Medical Travel Insurance Plan Features

If you only travel once a year, or if you have many trips scheduled, we are here to help!

Pacific Blue Cross t ravel insurance plans for BC include coverage for:

• Single or Multi-Trip Plans
• Coverage for COVID-19
• $5 to $10 million for emergency medical care
• Hospitalization fees
• Ambulance (Ground or Air Transportation)
• Prescription drugs required to treat emergency situations
• Professional fees for nurses, physicians and other health care professionals for emergency medical treatment
• Emergency dental treatment as a result of an accident
• Emergency repatriation by air ambulance or commercial flight with a medical escort
• Return of your traveling companion and/or family members covered by the same policy

Non-Medical Travel Insurance

Not all emergencies and expenses are medical. You can also get insurance coverage for these situations.

• Trip Cancellation: for pre-paid travel fees if your trip gets unexpectedly cancelled before departure
• Trip Interruption:  for pre-paid travel fees if your trip gets unexpectedly cancelled after departure
• Accidental Death & Dismemberment: in case of death or loss of limbs due to an accident while travelling
• Baggage Insurance: for lost, stolen or damaged baggage

Check Your Current Travel Insurance Coverage

Not sure what you’re covered for? Check the extent of travel insurance coverage on your credit card. Pay particular attention to these items:

Travel Duration

Some institutions limit the length of stay based on age. If you are a snowbird wintering south, you may not be covered.

Trip Cancellation or Interruption Insurance

Be sure to verify what the limits are for trip cancellation and interruption. For example, many gold cards limit coverage to $2,000 – not enough to cover a 3 or 4 week trip abroad. Very few group plans provide these benefits.

Emergency Medical Care Coverage

Check the eligibility requirements for your coverage. Do you have a chronic illness or a pre-existing condition? Your condition may have to be stable for more than 6 or 12 months, depending on your age. Sometimes, only a percentage of total emergency medical care costs may be reimbursed. As well, indemnities are subject to a deductible and you may need to pay for services up front, and then be reimbursed.

Baggage Insurance

Many credit card plans and group plans, don’t cover baggage. If they do, they usually have very low maximum coverage amounts.

Protect Your Travel Investment with BC Blue Cross Before You Leave

If your group or credit card insurance is limited, we can enhance your coverage with additional travel insurance. One way or another, it is likely your supplemental coverage will take over in the event of an accident or illness.

Contact one of our travel insurance specialists to help you choose the Pacific Blue Cross travel insurance coverage you need before you leave BC.

Is your child travelling away from BC for their education? Protect them with medical insurance for Canadian students studying abroad.

Canadians are optimistic about travel in 2024: Blue Cross Travel Study

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Take off with Canada’s #1 travel insurance provider

Enjoy the confidence and peace of mind with Blue Cross when exploring Canada or around the world

#1 in Travel Insurance

Out-of-province emergency medical expenses are not generally covered by your provincial medical plan and these expenses can be financially overwhelming.

For millions of Canadians, comprehensive emergency travel coverage offered by Blue Cross has become an essential part of their holiday plans.

As a recognized symbol of health care globally, being trusted, professional and familiar is what you need in your coverage provider when travelling out of province.

Travel Worry Free

Let Blue Cross travel coverage take care of any unexpected medical emergency costs so you can make the most of your trip.

Whether you travel frequently during the year, take regular sun destination trips or do only occasional short trips, there is a plan that’s right for you.

Blue Cross is a member of a trusted global network, including the American Blue Cross & Blue Shield Association and the International Federation of Health Funds.

Canadians are optimistic about travel in 2024

The cost of travel is on the rise, but that isn’t stopping most Canadians from planning a vacation.

A ccording to a new study from Blue Cross , Canadians spent an average of $4,200 on their last vacation, and 94 per cent feel the cost of travelling is increasing .

H owever , the 2024 Blue Cross Travel Study also reveals that more Canadians are feeling optimistic about travel and are planning more trips this year.   

Find the Right Plan

We understand making the right choice for your benefits and coverage is important.

We’re here to help!

Please click below to be redirected to your local Blue Cross for more specifics, including local contact information.

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Travel Insurance

Without travel medical insurance unexpected costs due to a medical emergency such as food poisoning etc.can quickly turn even a short cross-border US trip into a financial nightmare. Without sufficient medical coverage even the hospitals in the US will not treat you.

Travel Insurance Experts

Health Insurance BC also strongly recommends the purchase of additional travel insurance when travelling outside of the province ( as your provincial health insurance plan does not fully cover you when traveling out-of-province or out-of-Canada) even if the trip is only for a day or so. MSP does not subsidize fees charged for ambulance service obtained outside the province.

Our travel medical insurance ensures you get access to the best emergency medical care available without having to worry about its financial impact so you can have a worry-free travel experience.

S&S Insurance professionals will help protect you and your family with an optimal travel insurance package at the best possible rates.

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Ensuring Safety for Travellers by Providing Travel Insurance in Vancouver

Despite planning our holidays for months, things may go wrong or may not turn out as planned. By investing in travel insurance in Vancouver, you can be financially secure and be prepared to face any challenges. We serve customers in the Lower Mainland and surrounding cities of British Columbia. We, at Multiple Insurance Services, offer travel insurance for:

• International students
• Temporary foreign workers
• New Canadians
• Parents and grandparents travelling on a super visa

Travelling in and out of British Columbia? Planning an interstate or international trip? Time to get insured and let go of all your travel tensions!

Travel Insurance Coverage

Getting travel insurance is essential to ensure that you have a worry-free and comfortable trip. If you experience an unexpected medical or general expense, our insurance will protect you against any such unforeseen expense. We offer coverage for:

• Medical emergencies
• Injuries while travelling
• Lost luggage
• Emergency accommodation
• Missed flights

Why Invest in Travel Insurance?

The wise will not mind spending a little more to cover their trip when they have spent so much time and money planning the trip. Here are reasons why you should choose travel insurance:

• Travel insurance will provide you financial support during any medical emergency
• It covers emergency diagnostics if you meet with an accident while travelling
• You can reclaim your cancelled and rescheduled flight costs
• It provides you peace of mind and ensures that you have a stress and hassle-free travel
• It can cover stolen or lost luggage in flights, hotels, buses and more

Customized Insurance Solutions

Whether you are planning a business trip or are going on a vacation, we have got the right insurance for you. Our travel insurance offers coverage against medical emergencies, losses, and delays. We offer customized insurance plans for students, corporate customers and senior citizens. We pride ourselves on offering professional and reliable services.

Travel Stress-free

Multiple Insurance Services provides a host of customized travel insurance plans to help make your travel worry-free.

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Travel Insurance

Travel Insurance: Your bags are packed and you are finally are on your way to that vacation you have been looking forward to for so long. Unfortunately, accidents happen! Make sure the hard earned money you've saved for that once in a lifetime trip doesn't end up paying your medical bills instead. Ask about our Travel Insurance coverage today!

Whether you’re a vacation traveller, snowbird, or frequent cross-border visitor, make sure you are protected for the unexpected.

Travel insurance has many different types of coverage and can be purchased as single-trip or multi-trip, individual or family package. You can select the plan that’s right for you and your family so that you can travel without having to worry about significant financial impact resulting from unexpected circumstances.

Options Include:

• Travel Medical Insurance
• Trip Cancellation/Trip Interruption Insurance
• Baggage Insurance
• Visitors to Canada Insurance
• Snowbird Insurance

Need to buy travel insurance? Visit www.sussexinsurance.com/tugo

Travel Medical

Travel within canada, other coverages, cross-border.

Whether you are traveling to the United States, worldwide, or within Canada Sussex Insurance offers enhanced coverage’s that you won’t find with other travel insurance providers.

With varying coverage amounts to choose from and single or multi-trip packages available, you can select the plan that’s right for you and your family.

Coverage for Single and Multi Trip Policies:

• provides coverage for injury or sickness requiring an emergency hospital stay or emergency medical treatment while traveling outside of the Insured’s home province or territory whether abroad or within Canada
• must be a Canadian resident and insured and/or eligible for benefits under a government health care plan of their province or territory
• $10,000,000 coverage
• Non-medical evacuation up to $4,000
• Accommodation and meals expenses up to $700 when flight is delayed for more than 4 hours
• Additional transport and entertainment expenses up to $200 when flight is delayed for more than 4 hours.
• No age limit
• Strong coverage for pre-existing conditions

Claim Examples

49-year-old female: compound elbow fracture.

Broken Elbow Led to Emergency Surgery

49-year-old Anna was visiting family in California when she tripped and fell at a museum, severely injuring her arm. An ambulance was called and she was taken to Emergency; she suffered a compound elbow fracture, as well as lacerations to her head and legs. Anna’s elbow required immediate surgery. After three days, she was able to leave the hospital to stay with family until her scheduled return to Canada.

Hospital Fees: $149,845.02 Doctor Fees: $14,832.88 Radiology Fees: $1,799.11 Ambulance Fees: $1,699.27 Prescriptions Costs: $41.06 Provincial Medical: – $1,659.45 Amount Paid by Travel Insurance: $166,557.89

72-year-old Male: Massive Stroke Stroke Led to Repatriation

While vacationing in Florida, 72-year-old Patrick lost consciousness. He was found in his condo by friends, after he didn’t show up for an evening get-together. Patrick was taken to hospital by ambulance, where he was diagnosed with a massive stroke. Unfortunately, he didn’t regain consciousness and was put on life support until family members could be contacted. After several days in intensive care, his family arrived. After speaking with the doctor, the decision was made to disconnect his life support. Patrick passed away peacefully several hours later. Arrangements were made to return his body and his vehicle back to Canada.

Hospital Fees: $43,950.17 Doctor Fees: $6,212.33 Radiology Fees: $2,265.76 Ambulance Fees: $3,245.00 Family’s Transportation: $1,156.96 Repatriation: $4,654.29 Return of Vehicle: $1,400.90 Provincial Medical: – $1,600.00 Amount Paid by Travel Insurance:  $61,285.41

* These examples are based on actual claims with pertinent client information changed to protect privacy. Claims are subject to exclusions, limitations, and conditions. Please refer to policy wording for all coverage.

Canadians travelling out of province within Canada may not be aware that their provincial health plan does not fully cover them if they are sick or injured and need medical attention.

The Government of British Columbia strongly advises residents to purchase additional health insurance when travelling to other Canadian Provinces.

Medical coverage under MSP is not guaranteed while travelling outside of British Columbia, but is covered while travelling within Canada under Travel Medical insurance .

If you are travelling to Quebec and are a British Columbia resident, you must purchase Travel Medical insurance.

Claim Example

89-year-old female: rapid onset of confusion & urinary tract infection led to trip interruption.

89-year-old Katherine was travelling alone from British Columbia to Quebec via train when she became confused and disoriented. In Toronto, an ambulance met the train and took Katherine to the nearest hospital. Staff contacted Katherine’s son to inform him of the situation; he agreed to fly out to be with her. At the hospital, the doctor determined Katherine’s confusion was due to a urinary tract infection. She was kept overnight for observation, then discharged the next day. Due to the rapid onset of her confusion, doctors recommended that a family member accompany her either back home or on the rest of her travels. Katherine wanted to continue her trip, so she purchased new train tickets for her and her son to continue on to Quebec.

Ambulance Fees……………………………………………..$530.00 PrescriptionCosts ……………………………………………$26.99 Family Transportation……………………………………..$790.00 Accommodation and Meals – Trip Interruption….$160.00 Rail Ticket Toronto to Montreal………………………$152.55 Amount Paid by Travel Insurance . ……………..$1,659.54 * These examples are based on actual claims with pertinent client information changed to protect privacy. Claims are subject to exclusions, limitations, and conditions. Please refer to policy wording for all coverage.

Sometimes your trip doesn’t go as planned, but there are additional coverage’s you can purchase to help reclaim money already paid out should something prevent you from taking or continuing your trip. We offer the following coverages in addition to medical insurance.

Trip Cancellation Don’t be left paying the bills for a trip you never got to take! You’ve worked hard to save your money and spent hours researching your options. You finally settle on the perfect vacation. unfortunately you just received some unexpected news that means you will have to cancel that long awaited trip. Trip Cancelation coverage can help save you money should your trip be cancelled for an unforeseen event such as injury, illness or severe weather that halts your travel plans. Trip Cancelation can be purchased as a stand alone policy or as a package policy combined with Trip Interruption.

Trip Interruption Don’t leave home without it! You never know once you start on your trip what unexpected even could prevent you from completing your journey. Don’t end up having to pay more for missed flight connections due to unforeseen weather conditions or medical emergencies that are out of your control. Trip interruption insurance will protect you so you can have a worry free vacation once you are on your way.

Baggage Loss Can provide compensation for lost, damaged or stolen luggage including items such as clothing, baggage itself, and personal care items.

Trip Cancellation/Trip Interruption

65-year-old Female: Heart Condition and Diabetes

65-year-old Marie planned to take a cruise vacation, departing from Miami. She arrived the day before but was experiencing breathing problems, fever, and a cough. She was taken to the hospital and admitted for pneumonia. Marie’s condition deteriorated and she was put on a ventilator. Arrangements were made to return her back to Canada via air ambulance.

Upon review, it was noted that Marie didn’t purchase Trip Cancellation/Interruption . As a result, the cost of her cruise wasn’t covered. Also on the MHQ, Marie answered that she only took one medication for a heart condition. However, she should have answered three; two for a heart condition and one for Diabetes. Due to answering incorrectly, Travel Underwriters applied the $10,000 deductible , and was still able to reimburse Marie over $65,000.

Hospital Fees: $44,668.34 Doctor Fees: $3,628.41 Radiology Fees: $3,163.37 Ambulance Fees: $673.73 Air Ambulance Fees: $25,300.00 Provincial Medical: – $1,900.00 Deductible Applied: – $10,000 Amount Paid by Travel Insurance: $65,533.85

Trip Cancellation

75-Year-Old Female: Hip Fracture Led to European Trip Cancellation

75-year-old Marge and 46-year-old Julie purchased a one week river cruise through Europe. They also extended their trip and purchased a week of land tours, accommodation and rail travel. Both Marge and Julie purchased Trip Cancellation when they first booked their trip. However, one month prior to departure, Marge fell and fractured her hip. Due to her injury, both women cancelled the trip. The accommodation charges were 100% refundable and both women claimed for the unused non-refundable portions remaining of their travel expenses.

Cruise Cost: $2,300.00 Each Return Airfare: $1,750.00 Each Rail Tickets: $156.00 Each Land Tours: $2,743.95 Each Amount Paid by Travel Insurance: $13,899.90

Unless you are a resident of Canada you will not be covered for medical costs should you become sick or sustain an injury and need emergency medical attention while visiting.

It is recommended that visitors to Canada purchase medical insurance prior to coming to Canada, however, it can be purchased while in Canada subject to a waiting period.

• Visitors to Canada
• Immigrants waiting for Citizenship
• Canadians returning to Canada after living abroad
• Available in increments of $10,000 to a maximum of $300,000 CAD
• No waiting period on sickness if purchased prior to arrival in Canada
• Family plan available
• includes Air Flight Accident and 24 hour Accident Insurance up to $25,000 CAD each

Super Visa’s

If you are a parent or grandparent of a Canadian citizen or a permanent resident, you may be eligible for the Super Visa program.

• valid for up to 10 years
• allows you to visit your family in Canada up to 2 years without renewing your status
• requires a minimum of $100,000 in coverage for at least one year

Learn more about the Super Visa

17-year-old Male: Spinal Swelling

Snowboarding Accident Led to Hospitalization.

Seo, a 17-year-old Korean international student, went snowboarding with friends. While going over a jump, he fell and had a sudden loss of feeling in his lower extremities. Seo was air ambulanced to the hospital, where he was admitted. Tests showed swelling around his spine, but luckily, no fractures. Seo remained in the hospital for one week and was then discharged with anti-inflammatory medication.

Hospital Fees: $17,458.00 Doctor Fees : $2,354.55 Ambulance Fees : $3,500.00 Prescription Costs : $45.77 Amount Paid by Travel Insurance . …………..$23,358.32

22-year-old Female: Fibula Fracture

Field Hockey Incident Led to Hairline Fracture and Muscle Contusion.

22-year-old Rebecca was attending university in the USA. While playing field hockey for her school, she was struck across the calf with a stick. She was taken to the hospital by her team trainer, and an MRI was scheduled for the next day. She was prescribed crutches and advised to return to Emergency five days later for the MRI results. The MRI determined that she had a hairline fracture of the fibula bone and a muscle contusion. Both would heal on their own, without further treatment.

Hospital Fees: $7,841.15 Doctor Fees : $1,346.00 Radiology Fees: $1,731.22 Crutch Rental : $15.00 Provincial Medical: – $150.00 Amount Paid by Travel Insurance……………$10,753.37

Trek® Travel – Cross border

Exclusively sold at Sussex Insurance, this annual policy is designed specifically for British Columbians between the ages of 19 and 55 who frequently take short term jaunts for cross border shopping, sporting events or concerts, filling up on gas, picking up or visiting friends or relatives outside of Canada. Trek travel allows you to make unlimited trips during a one year policy so you’re still covered even if you make that last minute decision to cross the border. Ask us today about how you can get covered.

Trek Travel policy covers:

• unlimited 5 day trips during the one year policy term
• additional top up days available for longer trips
• $2 million in coverage, deductible, no medical health questions
• Coverage includes Canada, US or worldwide
• starting at $40 for individual travelers up to the age of 40 and $80 for a family (no limit on number of family members)

To buy or to renew visit your local Sussex Insurance office today!

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Vancouver Travel Insurance

Vancouver Travel Insurance Overview

Just like most big cities, Vancouver has lots of travel insurance providers. Vancouver travel insurance is vital to every Vancouverite, especially when going on vacation outside Canada. In the event of an accident, your medical cost could easily add up even when you travel outside British Columbia. You don’t just need Vancouver travel insurance coverage, you need a plan that will suit your lifestyle and also offer you the features you need. Call Insurdinary for travel insurance quotes adequate for Vancouver residents. When you call Insurdinary, we will connect you to experienced insurance advisors who will guide you to choose the best travel insurance plan in Vancouver.

To learn more about Vancouver travel insurance, click here

Vancouver Travel Insurance Details

Getting the best travel insurance in vancouver.

You need coverage for so many things when you are traveling out of the province. Your Vancouver travel insurance coverage should be able to cover for medical emergencies, trip cancellation as well as any other custom feature you want. When you call Insurdinary, we will link you to the right insurance advisors who will provide expert advice and guidance to help you to make the right choice.

To learn more about Vancouver travel insurance, click here .

Speak To An Expert

Vancouver travel advisory.

Your travel destination’s weather condition matters. Before leaving B.C, it is important to take a look at the travel advisory for popular destinations to be sure you are on the right track.

• https://travel.gc.ca/destinations/russia
• https://travel.gc.ca/destinations/italy
• https://travel.gc.ca/destinations/jamiaca
• https://travel.gc.ca/destinations/cuba
• https://travel.gc.ca/destinations/dominican-republic
• https://travel.gc.ca/destinations/saint-martin
• https://travel.gc.ca/destinations/australia
• https://travel.gc.ca/destinations/thailand
• https://travel.gc.ca/destinations/mexico

Vancouver Airports

There are 10 airports, 12 heliports, and 4 water aerodromes in the Lower Mainland region of British Columbia. The aviation facilities are located in the Greater Vancouver and Fraser Valley are and serve regional air travel, airline passengers and commercial cargo transportation. Vancouver International Airport is the busiest airport in the Canadian province of British Columbia and the second-busiest airport in Canada.

Here are the airports in the region:

• Abbotsford International Airport - https://www.abbotsfordairport.ca/
• Boundary Bay Airport - http://www.czbb.com/
• Pitt Meadows Airport - http://flyypk.ca/
• Vancouver International Airport - http://www.yvr.ca/en/passengers
• Chilliwack Airport - https://www.chilliwackairport.ca/
• Delta/Delta Heritage Air Park - http://www.deltaheritageairpark.org/
• Hope Aerodrome
• Langley Regional Airport - http://ynj.tol.ca/
• Surrey/King George Airpark
• Tipella Airport

To get to the local airports on time, you should also plan your arrival times and choose the best route on time before your trip.

Choosing the right airport limos

Choosing the right airport taxi or limo service will help to get around the city on your trip. To choose the best airport limo service in Vancouver, you need to shop around and compare the features and prices offered by various providers. If you are keen on getting the best price and service, you should reserve the limo of your choice as early as possible.

• Excel Limousine Service - (604) 433-3550 - 7176 Nanaimo St, Vancouver, BC V5P 4L9
• Perimeter Transportation - (604) 717-6600 - 410 W Pender St, Vancouver, BC V6B 1T3
• Griffin Transportation Services - (604) 682-4474 - 1450 Venables St, Vancouver, BC V5L 2G5
• KJ Limousine Services - (604) 655-2888 - 2401-550 Taylor St, Vancouver, British Columbia V6B 1R1
• Quest Limos - (604) 900-3180 - 1155 W Pender St 708 A, Vancouver, BC V6E 2P4

Vancouver Travelers Story

A lot of Vancouverite cross the border into the U.S. on a daily basis for shopping, to buy gas and for some other purposes but don’t even think about getting travel insurance. Travel insurance will cover you for accidents and medical emergencies for a one-day trip as well as a vacation.

Goose Insurance Services has developed an innovative app to help you to get travel insurance on the go. According to Dejan Mirkovic, the company’s CEO, Canadians ought to get travel insurance coverage before leaving the country but up to 50% forget to do this. If you are struck with sudden illness and requires hospitalization, the financial consequences could be huge, Mirkovic added.

The app, known as Goose, notifies you when you are close to the border. It allows you to purchase travel insurance for $4 a day with a total coverage of $10 million. You can also easily read the policy on the app and find the emergency contacts and contacts to call for claims on the app.

Also, you can even buy insurance if you have already crossed the border but a 48-hour waiting period applies for coverage bought outside Canada. The waiting period only applies to sicknesses but injuries and accidents will still be covered. It is also important to note that Goose will not cover you if you travel against the treatment and/or advice of your doctor and most Canadian doctors will not advise you to travel if you have critical illnesses such as heart attack, TIAs, stroke and so forth.

To learn more about Vancouver travel insurance click here .

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• Best overall
• Best for expensive trips
• Best for exotic trips
• Best for annual plans

How we reviewed travel insurance for seniors

Best travel insurance for seniors of may 2024.

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

Reaching your golden years doesn't mean your adventures have to end. In fact, in this stage of life, you'll hopefully have more time and resources to travel. But as a senior citizen, you'll want to ensure you have travel insurance that covers any health-related issues arise while you travel.

Our top picks for the best senior travel insurance

• Best overall: Allianz Travel Insurance
• Best for expensive trips: John Hancock Travel Insurance
• Best for exotic trips: World Nomads Travel Insurance

Best for annual plans: Travel Guard

How we rate the best senior travel insurance companies »

Compare travel insurance for seniors

Your health gets more unpredictable as you age, which makes travel insurance more important for seniors. Unfortunately, it's also more expensive. The best travel insurance for seniors won't have too steep of a price hike compared to rates for younger travelers. It will have high coverage limits for emergency medical coverage, trip cancellations, and and emergency medical evacuation. It's also important that your travel insurance offers pre-existing condition waivers , ideally at no extra cost to the traveler. 

Here are our picks for the best travel insurance coverage for seniors in 2024.

Best overall: Allianz

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Good option for frequent travelers thanks to its annual multi-trip policies
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Doesn't increase premium for trips longer than 30 days, meaning it could be one of the more affordable options for a long trip
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Some plans include free coverage for children 17 and under
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Concierge included with some plans
• con icon Two crossed lines that form an 'X'. Coverage for medical emergency is lower than some competitors' policies
• con icon Two crossed lines that form an 'X'. Plans don't include coverage contact sports and high-altitude activities
• Single and multi-trip plans available
• Trip cancellation and interruption coverage starting at up to $10,000 (higher limits with more expensive plans)
• Preexisting medical condition coverage available with some plans

Allianz Travel Insurance is one of the most widely recognized names in travel insurance, and it stands out as one of the top travel insurance providers for seniors. It offers a wide range of policies covering medical treatments overseas and emergency medical transport.

Allianz also provides options for varying trip lengths. Its annual multi-trip policies , for example, cover any trip you make during your policy period, even if they aren't yet planned, making it an excellent option for seniors who vacation multiple times per year.

Read our Allianz Travel Insurance review here.

Best for expensive trips: John Hancock

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers 3 travel insurance plans
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Cancel for any reason rider available
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Affordable travel insurance premiums
• con icon Two crossed lines that form an 'X'. Reviews of claims process are mixed
• con icon Two crossed lines that form an 'X'. Buyers may not get specialty coverage for sports equipment and other high value items
• Trip cancellation for 100% of the trip cost
• Trip interruption insurance for up to 150% of the trip cost
• Emergency medical coverage of up to $250,000 per person
• Medical evacuation coverage of up to $1,000,000

John Hancock Travel Insurance plans for seniors offer some of the best coverage available. It provides generous maximum benefit amounts while still offering affordable prices.

Each plan includes coverages like trip cancellation, emergency accident, and emergency medical, with the option to add benefits like CFAR (cancel for any reason) . Plus, getting a free online quote is a quick and straightforward process.

Read our John Hancock Travel Insurance review here.

Best for exotic trips: World Nomads

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Coverage for 200+ activities like skiing, surfing, and rock climbing
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Only two plans to choose from, making it simple to find the right option
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. You can purchase coverage even after your trip has started
• con icon Two crossed lines that form an 'X'. If your trip costs more than $10,000, you may want to choose other insurance because trip protection is capped at up to $10,000 (for the Explorer plan)
• con icon Two crossed lines that form an 'X'. Doesn't offer coverage for travelers older than 70
• con icon Two crossed lines that form an 'X'. No Cancel for Any Reason (CFAR) option
• Coverage for 150+ activities and sports
• 2 plans: Standard and Explorer
• Trip protection for up to $10,000
• Emergency medical insurance of up to $100,000
• Emergency evacuation coverage for up to $500,000
• Coverage to protect your items (up to $3,000)

World Nomads Travel Insurance is a great choice for active senior citizens under 70 who want comprehensive travel insurance. The key difference between World Nomads and many other providers is that it covers 200+ adventurous activities like scuba diving, mountain biking, surfing, skiing, and even bungee jumping. In addition, World Nomads' trip cancellation and emergency medical coverage includes COVID-19-related issues. Many other insurers are excluding that type of coverage now.

For adventurous senior citizens over the age of 70 years, World Nomads suggests working with its partner, TripAssure .

Read our World Nomads Travel Insurance review here.

Trip cancellation coverage for up to 100% of the trip cost and trip interruption coverage for up to 150% of the trip cost

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Trip cancellation coverage of up to 100% of the cost, for all three plan levels
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. CFAR covers up to 75% of total trip costs (maximum of $112,500 on some plans) 
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Medical coverage of up to $500,000 and evacuation of up to $1,000,000 per person
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Includes COVID coverage 
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Above average baggage loss and delay benefits
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. High medical evacuation coverage
• con icon Two crossed lines that form an 'X'. Premiums may run slightly higher than competitors

Travel Guard is a well-established and highly rated name in the travel insurance industry. It offers three main coverage options to choose from, and in general its policies have above-average coverage for baggage loss and baggage delays, plus high medical evaluation coverage limits.

• Trip cancellation coverage for up to 100% of the trip cost
• Trip interruption coverage for up to 150% of the trip cost
• Preexisting medical conditions exclusions waiver must be purchased within 15 days of initial trip payment
• Annual travel insurance plan and Pack N' Go plan (for last-minute trips) available

Travel Guard  offers comprehensive insurance plans for shorter and longer trips. One of its more unique offerings is its Travel Guard Annual Plan.

This annual travel insurance comes with standard coverage benefits (trip delay, baggage loss, etc.) and substantial coverage amounts, which is important for seniors who travel multiple times per year. Travel Guard also offers a preexisting medical condition waiver, meaning those with certain medical issues can still gain coverage.

Read our AIG Travel Guard Insurance review here.

Understanding travel insurance for seniors

Before diving into the specifics, it's essential to understand what travel insurance is and why it's particularly important for senior travelers. The best travel insurance offers financial protection against unexpected events affecting your trip, such as trip cancellations, medical emergencies, or lost luggage.

Types of coverage

• Medical Coverage: Ensures your medical expenses are covered in case of illness or injury.
• Trip Cancellation/Interruption Coverage: Provides reimbursement if your trip is canceled or cut short due to unforeseen events.
• Baggage Coverage: Covers loss, damage, or theft of personal items during your trip.

Benefits of travel insurance for seniors

• Peace of Mind: Knowing you're covered in case of emergencies can make your travel stress-free.
• Financial Protection: Shields you from potentially overwhelming medical costs and trip cancellations fees.
• Assistance Services: Many plans offer 24/7 assistance services, providing help whenever and wherever you need it.

Making the most of your plan

After choosing a plan, it's crucial to understand your policy fully and know what services are available to you in case of an emergency.

Understanding your policy

• Read the fine print and understand the claims process to avoid surprises.

Emergency assistance services

• Familiarize yourself with the emergency assistance services offered by your plan and keep all necessary contact information handy.

How to pick senior travel insurance

It's wise to compare several different travel insurance policies for the best coverage and pricing, as premiums vary widely between insurers and depend on factors like your age and travel destination.

That said, some of the more essential coverages to look for if you're a senior citizen include:

• Travel medical coverage - This coverage will pay for your medical bills outside the US.
• Medical evacuation coverage - If you're injured or become sick while traveling, this coverage will transport you to the nearest hospital or even back home if your condition necessitates it.
• Preexisting conditions - Coverage for known health conditions. You'll need to purchase travel insurance within a certain time period from when you book your trip to qualify for a preexisting condition waiver .
• Cancel for any reason (CFAR) - The name says it all! It'll cost extra and you'll need to purchase insurance early, but it's the most comprehensive trip cancellation coverage you can get. Note that CFAR insurance usually only covers up to 75% of your trip fees.
• Trip cancellation insurance - This coverage provides reimbursement for your prepaid and nonrefundable costs if you cannot make your trip due to an unforeseen event.
• Baggage delay insurance - This coverage will reimburse you for essentials like toiletries and clothes if your bags are delayed.
• Lost luggage insurance - This coverage will reimburse you up to a specified amount if your bags get lost en route.

Of these, the most critical to note are whether or not your policy covers preexisting conditions and the limits for travel medical insurance and emergency medical evacuation.

Some insurance companies offer a waiver that will cover preexisting conditions. You'll have to follow the requirements for adding a waiver to your policy, like insuring the entire cost of your trip. Or purchase the policy within a specific time after making your first trip deposit payments.

You'll also want to find a policy with high maximum limits for travel medical and emergency medical evacuation coverage. These types of expenses can be substantial, so you want to have appropriate coverage.

When comparing senior travel insurance options, we looked at the following factors to evaluate each travel insurance provider:

• Coverage limits: We looked at each travel insurance company's coverage amounts for benefits like medical emergencies and trip cancellation.
• Flexibility: We looked at how customizable a policy is, so you can choose what your travel insurance policy covers .
• Coverage for preexisting conditions: Preexisting conditions are one of the more critical factors for travel insurance for senior citizens, so we looked at travel insurance companies that offer the best coverage for preexisting conditions.
• Price: We compared travel insurance providers offering reasonable basic and comprehensive coverage rates.
• Benefits geared towards seniors: We compared travel insurance companies that offer solid coverage for senior citizens, like medical evacuation, COVID-19 coverage, and trip cancellation.

You can read more about our insurance rating methodology here.

Seniors should look for travel insurance policies that offer comprehensive medical coverage, including for preexisting conditions and emergency medical evacuation. They should also consider policies with higher coverage limits to ensure adequate protection. Additionally, seniors should seek travel insurance plans that provide 24/7 assistance services, as well as coverage for trip cancellations, interruptions, and baggage protection.

The cost of senior travel insurance coverage can vary depending on your age, overall health, state of residence, travel destination, and length of your trip. However, assuming all other factors are the same, you'll pay more for travel insurance at 70 than at 30.

All travel insurance companies, except World Nomads, included in this guide offer coverage for pre-existing medical conditions as long as you buy your policy within the qualifying period from when you placed your trip deposit.

Allianz is the best travel insurance for seniors due to its wide array of medical coverages and emergency medical transport. Allianz also offers multi-trip insurance policies , which could make sense for seniors who travel frequently.

In some instances, travel insurance companies will have age eligibility restrictions, often only insuring people 80 years old and younger.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

**Enrollment required.

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Best Cheap Travel Insurance of May 2024

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In an ever-evolving world, emergency medical and evacuation travel insurance coverage is essential, especially if you're traveling internationally. However, sports equipment coverage, pet protection, and cancel for any reason coverage are among the increasingly popular coverage options that are changing the way we travel. We've gathered the best cheap travel insurance plans to help you protect your trip while on a budget.

Our top picks for the best cheap travel insurance

• Best overall: HTH Worldwide Travel Insurance

Best for trip cancellation: Aegis Travel Insurance

• Best value: Nationwide Travel Insurance
• Best for reputation: Trawick International Travel Insurance

How we rate the best cheap travel insurance »

Compare the Top Affordable Travel Insurance

The best travel insurance meets your needs at a price you're willing to pay. Sometimes, you're just not willing to pay that much. The following companies offer decent coverage for low prices. To determine which companies made this list, we compared quotes across the travel insurance industry for the same trip, making a note of which companies offered particularly good coverage in certain areas and which companies were well reviewed.

Here are the best affordable travel insurance companies picked by Business Insider editors in 2024.

Best overall: HTH Worldwide

The HTH Worldwide Travel Insurance Economy plan offers the most comprehensive coverage across major categories of all the providers in this guide.

You'll have some peace of mind with up to $75,000 of financial protection for eligible medical emergencies, and up to $500,000 per person for medical evacuation costs. For more everyday expenses, you can also relax with baggage loss and delay, trip interruption, cancellation and delay coverage that will help you recoup many, if not all, of your costs.

However, this plan falls short on missed connection benefits and accidental death coverage, both of which are not available under most circumstances (missed connection coverage only applies to cruises, and will only cover up to $500 per person after a three-hour delay).

Read our HTH Worldwide Travel Insurance review here.

The Aegis Travel Insurance Trip Cancellation Plan is exactly that: a cost-effective plan that offers protection in the event that your trip is canceled for a covered reason. The plan we priced out for our hypothetical trip cost just 1.16% of our total travel expenses — a very small amount of money to pay for the guarantee of our money back in the right circumstances.

The benefit is that this plan can supplement other coverage you already have, or give you a little bit of protection for a trip where you might not otherwise have opted for insurance altogether. On the downside, you won't get any protection for medical emergencies, trip interruption or delays or lost bags from this plan.

Read our Aegis Travel Insurance review here.

Best value: Nationwide

Nationwide Travel Insurance  is a well-rounded alternative to HTH Worldwide Trip Protector Economy. This plan offers solid protection for both travel-related snafus as well as situations that might call for emergency medical and evacuation, making it a good choice for trips where you have cause to worry about potential interruptions or delays. However, it does not offer protection for missed connections or accidental death.

Read our Nationwide Travel Insurance review here

Best for reputation: Trawick

The Trawick International Travel Insurance Safe Travels Explorer plan has been purchased by more than 36,000 travelers since 2020, and it has great reviews to boot. And no wonder: Trawick offers generous trip delay coverage of up to $2,000 per person, although hopefully you won't need to reach that reimbursement amount because the daily limit is $150.

You'll also be able to rely on a $200 reimbursement per person for lost baggage - one of the higher amounts amongst these affordable plans, although this amount pales in comparison to the baggage loss coverage offered through the best travel credit cards .

Read our Trawick Travel Insurance review here.

Types of Affordable Travel Insurance

Comprehensive coverage.

This type of insurance offers extensive protection, covering everything from medical issues to trip cancellations. While it's more expensive up front, it can save you a lot in the long run.

Medical-Only Coverage

As the name suggests, this policy focuses solely on medical emergencies, making it a cost-effective option for travelers who are primarily concerned about health-related expenses.

Evacuation and Repatriation

In extreme cases where you need to be evacuated due to a medical emergency or a natural disaster, this coverage ensures that you can return home safely without incurring huge costs.

Benefits of Opting for Cheap Travel Insurance

Cost savings.

Cheap travel insurance can significantly reduce your travel expenses, ensuring that you're not overpaying for coverage you might not need.

Adequate Coverage for Less

Just because it's cheap doesn't mean it's lacking. Many affordable policies offer substantial coverage, giving you peace of mind without breaking the bank.

How to Pick The Best Cheap Travel Insurance Plan for You

No single travel insurance plan will meet the needs of every single traveler. By nature, we are diverse and evolving meaning travel insurance should be equally so. Travel insurance for a week-long trip to a big city shouldn't be the same as the coverage for a backpacking expedition in the mountains. A splurge to purchase comprehensive insurance coverage may also be worth it for international ventures or other large expenditures.

In most cases, the cost difference between a basic and comprehensive travel insurance plan isn't as significant as you might think. Regardless, it's generally a good idea to choose a trusted travel insurance provider known for exceptional customer service and coverage. (For this roundup, we looked at traveler reviews shared through the travel agency SquareMouth.)

• Assessing Your Travel Needs: Consider the nature of your trip, the destination, and your own personal needs when choosing a policy. This ensures that you're not over-insured or underinsured.
• Comparing Different Policies: Don't settle for the first policy you find. Compare different options, looking at their coverage and prices, to find the best fit for your budget and needs.
• Reading the Fine Print: Always read the terms and conditions carefully to understand what's covered, what's not, and the process for making a claim.

How We Reviewed Cheap Travel Insurance

To determine the best insurance plan for travelers on a budget, we evaluated dozens of products using a hypothetical trip to Australia for a single traveler, age 26, with a total cost of $2,500 for flight, hotel and other incidentals. We then compiled the plans that covered the essentials at the lowest costs.

Of note: All of these plans include COVID-related medical coverage and 24-hour assistance, and pay at least 100% of your trip cost for eligible trip cancellations. None include rental car coverage.

The four winning plans cost between $29 to $74 — significantly below the average cost of comprehensive travel insurance , which can range between 4%-8% of total travel expenses, according to the US Travel Insurance Association.

But these affordable plans also come with comparably low ceilings for various aspects of coverage such as emergency medical, trip cancellation, or delay — and do not include rental car or " cancel for any reason" (CFAR) protection . So if you think you might need these benefits, it may well be worth upgrading to a comprehensive travel insurance plan for a few more dollars, just for the peace of mind.

Convenience and Flexibility

Each of the plans in this list include 24-hour assistance worldwide from reputable insurance providers. And despite being on the lower end of insurance plans, each of these options includes refunds for up to 100% of your total trip cost for eligible reasons. Each of these plans also includes medical coverage for COVID-related issues that may arise during your travels, which may come in handy as the pandemic continues to evolve worldwide.

Sufficient Coverage in Essential Categories

The cheapest travel insurance plan will rarely cover every scenario that could go awry on your trip. However, each of these plans can at least help you get your money back in the event that your travel is canceled for an eligible reason, and most of them include travel medical insurance if you incur emergency medical bills while traveling. We also factor in what travelers are most concerned about now. 

You can read more about how Business Insider rates insurance here.

Best Cheap Travel Insurance FAQs

How can i reduce the cost of travel insurance.

You can reduce the cost of travel insurance by opting for simpler coverage or choosing higher deductibles on travel medical insurance. You can also consider annual travel insurance , which will save you money in the long run if you take multiple trips over one year.

Can cheap travel insurance provide enough coverage for international trips?

Yes, many affordable policies offer comprehensive coverage suitable for international travel. It's crucial to compare policies and understand your needs. You can find our guide on the best international travel insurance here.

Why is travel insurance so cheap?

Travel insurance is relatively cheap because it only covers you for a set period of time, and depending on your plan, the level of coverage you get may not be particularly high. However, even with high coverage limits and extras like cancel for any reason coverage , travel insurance is relatively affordable. 

How much should travel insurance cost?

The average cost of travel insurance is 4%-8% of your trip's cost. This usually translates into a premium between $89 to $399. That said, many companies offer premiums far below average costs.

How do I find the right travel insurance plan for my budget?

When shopping for travel insurance, consider the type of trip you're planning. If you're planning leisurely excursions in a big city, you may not need as much emergency medical coverage as you would if you're planning a serious hiking expedition in the mountains. A good plan should include trip cancellation, some emergency medical protection, and 24-hour assistance at a minimum.

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