Emergency medical expenses
Hospitalization, physician, tests and ambulance for emergencies occurring outside your province or abroad.
Travel Insurance for Canadians
Medical and cancellation protection for your trips in Canada and abroad
What's included in our travel insurance for canadians
Coverage and conditions vary depending on the plan chosen.
Trip cancellation and interruption
Reimbursement of non-refundable prepaid expenses if you have to cancel or interrupt your trip for a covered reason.
Baggage and personal effects
Coverage in case of loss, theft or damage to your baggage during the trip.
Sports and activities coverage
Coverage options for sports and outdoor activities, depending on the plan chosen.
Why choose Protecto for your travel insurance for canadians?
Advisors holding AMF certificates, bilingual service, and online subscription in minutes, with Protecto.
Medical coverage up to $10,000,000
Protection for high medical costs, notably in the United States where hospital costs can be considerable.
Options for pre-existing conditions
Some plans cover stable conditions according to defined eligibility criteria, to be confirmed with an advisor.
A quote matched to your trip
Coverage proposed according to your destination, the length of the trip and your profile, with a quote online in minutes.
24/7 emergency assistance
An emergency number available at all times, anywhere in the world, in French and English.
Travel insurance for Canadians covers emergency medical costs outside your province, along with cancellation and baggage for those who want more complete protection.
Provincial health plans cover very little medical care outside your province. Abroad, coverage is close to zero. A hospital stay in the United States can reach hundreds of thousands of dollars.
What types of coverage exist?
Emergency medical coverage only. The most common option. It covers emergency care abroad: hospital, physician, ambulance, repatriation.
All-inclusive coverage (multi-risk). Includes medical coverage plus cancellation, baggage, travel delays and sometimes accidents. Recommended if you have significant non-refundable tickets.
Annual multi-trip plans. If you travel several times a year, an annual plan covers all your trips for a single yearly premium, often cheaper than insuring each trip separately.
Who should buy it?
Practically every Canadian leaving their province should have at least emergency medical coverage. Travellers to the United States in particular should pay close attention to the coverage amount they choose.
Talk to one of our advisors, or get your quote online for pricing matched to your trip.
Our guides on this topic
Travel insurance
Travelling to the U.S.: why RAMQ is not enough
RAMQ reimburses only a fraction of care received abroad. What the public plan really covers outside Quebec, and how to close the gap.
August 8, 2026 · 2 min read
Travel insurancePre-existing conditions: what "stable" means in travel insurance
High blood pressure, diabetes, cholesterol: medical stability explained in plain language, with medication changes, new symptoms and tests awaiting results.
August 8, 2026 · 2 min read
Frequently Asked Questions
Why do Canadians need travel insurance?
Even if you are covered by your provincial plan, medical costs outside your province or outside Canada can be very high. Travel insurance can cover medical emergencies, hospitalization, medications, emergency transport and repatriation.
What does travel insurance for Canadians cover?
Depending on the contract chosen, travel insurance can cover emergency medical costs, trip cancellation or interruption, baggage, flight delays and certain transport costs related to an emergency.
Does travel insurance cover pre-existing medical conditions?
Yes, some pre-existing conditions can be covered if they meet the insurer’s stability criteria. It is important to properly disclose your medical situation before departure.
When should you buy travel insurance?
It is best to buy your travel insurance as soon as your trip is booked, especially if you want cancellation coverage. For emergency medical insurance, coverage must generally be purchased before departure.
Is travel insurance useful for a trip within Canada?
Yes. Even for a trip to another province, some costs such as ambulance, emergency transport or repatriation may not be fully covered by your provincial plan.
Does my credit card already include travel insurance?
Some credit cards include travel insurance, but coverage can be limited by age, trip length, destination and health. It is important to check the exclusions before you leave.
How much does travel insurance for Canadians cost?
The price depends on your age, the length of the trip, the destination, your health and the coverage chosen. A quote lets you compare the options available for your situation.
Can you buy travel insurance for a long stay?
Yes. Several insurers offer coverage for long stays, frequent trips or stays of several months outside your province of residence.
How do you choose the best travel insurance?
The best travel insurance depends on your destination, your age, your health, the length of your stay and the type of coverage you want. Protecto Assurances can help you compare the options and choose suitable coverage.
What is covered if I have to cancel?
Cancellation coverage reimburses prepaid non-refundable costs (flight, accommodation, cruise) if you have to cancel for a covered reason: illness, death of a loved one, job loss, a government advisory, among others. The eligible reasons vary by plan. Read the exclusions.
Can I purchase travel insurance if I am already on my trip?
In most cases, you must purchase your travel insurance before leaving your province of residence. Some insurers offer options to buy coverage once you are already travelling, but this usually comes with restrictions and waiting periods for certain benefits.
What is an annual multi-trip plan?
A policy that covers all your trips for one year for a single premium. Economical if you travel several times a year. Each trip is covered up to a defined maximum duration (often 15, 30 or 60 days per trip).
Ready to buy your travel insurance for canadians?
Buy online in minutes, or talk to one of our advisors.
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