Best Travel Insurance for Canada

We analyzed 13 travel insurance companies to find the best options for U.S. travelers visiting Canada. Our scoring weighs cost at 40%, coverage at 30%, claims and service at 25%, and financial stability at 5%.

World Nomads leads with a 93 MoneyGeek score, offering strong coverage at competitive rates. Allianz and Travel Guard excel in customer service with perfect 100 scores, while IMG provides the most comprehensive coverage options with a 95 coverage score.

Travel insurance costs for Canada depend on your trip duration, total trip cost, age and coverage level you select. Canada's proximity to the U.S. keeps rates 20-30% lower than European or Asian destinations, with most 7-day trips costing between $43 and $124.

Based on California resident, age 30, $2,500 trip cost

Tin Leg Basic offers the most affordable coverage at $43 for a 7-day trip, while budget plans cluster at $60-$80. Comprehensive options with higher limits range from $90-$125. Seniors over 65 pay more. For example, Nationwide Essential costs $67 for a 30-year-old but jumps to $100 for a 65-year-old on the same 7-day trip.

Your trip cost directly impacts your premium because trip cancellation coverage is calculated as a percentage of your total prepaid, non-refundable expenses. Higher trip costs mean larger potential losses, which increases your insurance premium.

Based on 7-day trip, age 30, California resident

Budget travelers can find adequate protection under $100 for shorter Canada trips with lower trip costs. Premiums roughly double as trip costs increase from $2,500 to $5,000, and double again at $10,000, protecting larger investments in flights, hotels and activities. World Nomads charges flat rates regardless of trip cost up to certain limits, offering value for expensive trips.

Canada's ski resorts at Whistler, Banff and Mont-Tremblant attract winter sports enthusiasts, but standard travel insurance doesn't always cover ski injuries. Verify coverage before hitting the slopes.

Before You Buy: Verify skiing/snowboarding are explicitly covered, check if off-piste skiing needs additional coverage, and confirm evacuation exceeds $500,000 for mountain rescues. See our ski and snowboard travel insurance guide.

Travel insurance for Canada should include:

• emergency medical coverage (minimum $50,000, higher for seniors and adventure travel)
• medical evacuation ($500,000+ for remote areas like the Rockies or Yukon)
• You'll also want trip cancellation protection and baggage coverage.

Canadian hospitals don't cover U.S. visitors and require upfront payment, with ER visits costing $2,000+ and hospital stays averaging $7,619. For complete coverage details, see our travel insurance coverage guide.

Travel insurance isn't required for U.S. citizens entering Canada, but it's strongly recommended if you're skiing, visiting remote areas like the Rockies or Yukon, traveling over 65, or have expensive prepaid bookings.

Note: This page covers tourist travel. Super Visa applicants for extended family visits have different insurance requirements.

To evaluate if insurance fits your situation, see if travel insurance is worth it.

We analyzed 13 travel insurance companies offering coverage for U.S. travelers visiting Canada. Our scoring methodology weighs cost at 40%, coverage at 30%, claims and service quality at 25%, and financial stability at 5%.

Baseline Scenario: California resident, age 30, purchasing coverage in August for October 1-7 travel with $2,500 in trip costs.

Coverage Analysis: Emergency medical limits, medical evacuation maximums, trip cancellation protection, baggage coverage, and trip delay benefits. We specifically assessed winter sports coverage and remote area protection for Canada's geography.

Claims and Service Assessment: 24/7 emergency assistance availability, digital tools (mobile apps, online claims portals), phone and email support quality, and iOS/Android app ratings.

Financial Stability: AM Best ratings with A+ earning 100 points and A- to A earning 95 points.