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Compare travel insurance for Canada

Compare travel insurance for Canada

With stunning landscapes, excellent skiing, truly wild wildlife and a reputation for friendliness, Canada is an often-overlooked treasure of a holiday destination. Here’s how to get travel insurance that gives you peace of mind on your big adventure.

Patrick Ikhena
From the Travel team
minute read
posted 21 JANUARY 2020

Do I need travel insurance for Canada?

It isn’t obligatory, but you should definitely have travel insurance for a trip to Canada. Around 724,000 Brits visit Canada every year, to do things like visit the Calgary Stampede, hike in the Rockies, kayak the lakes, see the northern lights in the Yukon, go whale and bear watching or see the legendary Niagara Falls.

While most visits are trouble free, things can go wrong. If you take a tumble on skis, lose your luggage or get stranded in the snow, travel insurance can give you peace of mind.

While Canadians have their own version of state-funded healthcare, it isn’t available to Brits. If you’re ill or injured you’ll have to foot your own medical bills, and it won’t be cheap. Even if you have dual British and Canadian citizenship, you’re not guaranteed free healthcare – depending on the province, there may be residency requirements.

In winter, severe snowstorms are common. You’ll want to be protected in case of cancelled flights, snowed-in roads and other delays.

How much is travel insurance for Canada?

If you’re travelling to Canada, worldwide travel insurance could cost from £10 for a week, based on Compare the Market data in December 2019. However, the cost of travel insurance varies, depending on the level of cover you need and the activities you’re planning on doing while you’re away.

**50% of people could achieve a quote of £9.95 for worldwide travel insurance for 1 week based on Compare the Market data in December 2019

What should I think about when I compare Canada travel insurance?

  • Does your travel insurance cover Canada? Many people rely on travel insurance that comes free with bank accounts – but this is usually only valid for travel in Europe. Check your policy, and make sure you take out additional cover if you need to.
  • Will you be doing any active sports? It’s not just about winter sports travel insurance. Even if you’re visiting in July, a gentle stroll in the Rockies could invalidate some policies if you happen to venture above 2000m elevation. Plan your activities in advance and make sure your insurance covers everything.
  • How much are your belongings worth? It might surprise you – winter gear, in particular, can be pricey. Add up everything you’re taking, from your phone to your snow boots, and make sure you have enough baggage insurance. If you’re taking something particularly valuable, like a laptop or camera, check the single article limit.
  • What would the cost be to cancel your trip? Canada is not a cheap place to visit. Before you buy your insurance, tot up the cost of flights, hotels and activities. You want enough cancellation allowance that, if you had to cancel your trip, you could really get your money back. Find out more about holiday cancellation insurance.

Do I need a visa for Canada?

If you’re a British citizen travelling to Canada, you need to apply online for an Electronic Travel Authorization (eTA). It lasts for five years or until your passport expires and costs $7 to process. Apply at the Government of Canada website.

Any other advice for travelling to Canada?

Here are a few things it’s good to know before you go.

Currency: Canadian dollars ($ or Can$). ATMs are common and most places accept cards.

Language: Although the majority of Canadians speak English, Quebec and a few other areas speak French as a first language. Most French-speakers you encounter will be bilingual.

Vaccines: You shouldn’t need any specific vaccines for your trip to Canada, but it may be advisable to get a Tetanus jab or booster, usually free on the NHS.

Tipping: Like the USA, Canada is a nation of tippers and you’ll be expected to follow suit. Here are some guidelines on tipping in common situations.

  • Airport and hotel porters – $2 to $5 per bag
  • Bar staff – 10-20% or follow a ‘keep the change’ rule
  • Hotel maid service –$2 to $5 per day or a lump sum at the end of your stay
  • Waiting staff at restaurants – 15-20% unless a tip has already been added to the bill
  • Taxi drivers – between 10-20%
  • Parking attendants – $5 to $10 when picking up your car
  • Salons – a tip of 15-20% is usual for hair stylists, beauticians and masseurs

Compare Canada travel insurance

At Compare the Market, we can help you find and compare Canada travel insurance that suits your trip. Just start a quote and type in ‘Canada’ when we ask where you’re going.

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