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They are the Gold Standard of Client Experience. The whole process was simple, hassle-free, uber transparent and all of this at no cost. Our advisor’s knowledge and attitude reeled us in from the first call. We felt as if we were premium clients.<...
Lipika
Knowledgeable and helpful
Very knowledgeable and helpful in determining the best plans for my son and I and he took the stress out of the process. Fully explained all of the options available to me, and answered all of my questions. I know that I made an informed decision ...
Franz T
Skeptical to believer
First I was skeptical about high reviews but anyways PolicyAdvisor. I could see that they are trying to give best details they have and guide us to choose policy rather than selling it. Rarely I type in reviews. I can say that PolicyAdvisor is wor...
Meenakshi N
Excellent service
Thank you for the excellent customer service. You’ve been very supportive in all our questions. After the video call, he didn’t really push to sell. We appreciate your time, and support in giving us updates and follow-ups and phone calls until we ...
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Genuinely Cared
My advisor genuinely cared about making sure I was comfortable and informed throughout the process, and patiently answered my many questions. He also always followed up to make sure I was up to date on my application process.
Jessica F
Simpler than expected
Answer all our questions in a timely manner, and the process was much more simple than I was expecting. We had our life insurance sorted and approved within a few days. I really like that they did the comparisons of policies for us.
Joanne V
Life Insurance made easy
Was looking for a life insurance policy and the search was exhausting by conventional means, until I found PolicyAdvisor. My representative was excellent, and explained all my options and preferred quotes. Life Insurance made easy, thank you all a...
Pedro
Unbiased advice
If you’re looking for best rate and an advisor, I would highly recommend PolicyAdvisor. They are expert in finding the best insurance provider. They are reliable and give unbiased advise. I’m glad I came across Policy Advisor online as they helped...
Zeny D
A walk in the park
I was able to derive a personalized quote within a minute. From there on it was as smooth as taking a walk in the park. I did not have to wait in long lines, could chart my progress, and had full control of my application.
Mayank
Super easy
I’d previously reached out to one of the big insurance companies directly but found them so unresponsive and uninterested. I’m glad we found PolicyAdvisor. They made comparing options easy so we found something that worked for our need...
Lindsay
The country’s leading travel insurance broker
Canadians are choosing PolicyAdvisor to help them with all their travel insurance needs. Whether vacationing abroad or visiting Canada temporarily, our advisors can help you find the right coverage.
Super Visa Insurance
Coverage that fits the requirements for those applying for a Canadian Super Visa
International Students
Coverage for international students attending school in Canada or Canadians studying abroad
Foreign Workers
Coverage for those working in Canada before they are eligible for provincial health plans
Recognized as a leader in the industry
What is travel insurance?
Travel insurance is a type of insurance that helps to cover the cost of medical care if you become sick or injured while travelling. It can also protect you from financial loss if you have to cancel or interrupt your trip.
There are two main types of travel insurance: travel medical insurance and trip cancellation/interruption insurance.
Travel medical insurance can help to cover the cost of medical care if you become sick or injured while travelling. It can also help to cover the cost of travel if you need to be transported to a hospital in another country. This is the most common type of travel insurance.
Trip cancellation/interruption insurance can help to reimburse you for the cost of your trip if you have to cancel due to an unforeseen circumstance, such as illness or bad weather, or other situations that may delay or cancel your trip (lost baggage, transportation delays, etc).
If you are planning a trip from your home in Canada, or planning on travelling to Canada, it is important to ensure you have travel insurance before you depart. This will help to protect you from unexpected costs if something goes wrong on your trip and give you peace of mind such accidents or delays will not be a financial burden.
Need insurance answers now?
Call 1-888-601-9980 to speak to our licensed advisors right away, or book some time with them.
Who needs travel insurance?
There is a wide array of insurance needs for both those visiting Canada, and travelling away from it. They include:
Inbound travellers
- Visiting Canada from another country
- Super visa applicants
- International students studying in Canada
- Foreign workers or work permit holders working in Canada
- Amateur athletes competing in Canada
Outbound travellers
- Snowbirds (seniors vacationing away from Canada for the winter)
- Canadians vacationing abroad
What are the different types of travel insurance available in Canada?
Depending on where you call home, and the reason and length of your travel, there are several different kinds of travel insurance available.
Travelling Canadians
Residents of Canada need travel insurance for trips abroad. While you public healthcare or group health insurance covers medical emergencies at home, an accident or medical emergency while you are out of country can be very costly.
Visitors to Canada
Those visiting Canada from outside the country also need travel medical insurance. While Canada does have a robust public healthcare system, these services do not extend to non-residents of the country. If you are ill or injured during your trip to Canada, you will be responsible for the costs of doctor’s visits, emergency care, prescription, and more.
Super visa insurance
Parents and grandparents or Canadian citizens and permanent residents are eligible for a special Canadian visa called the super visa. This visa allows them to enjoy an extended stay in Canada for as long as 2 years. A mandatory stipulation of super visa approval is holding a medical insurance policy to cover and illnesses or accidents that can occur during this trip. Super visa insurance is a widely available insurance policy that caters to the specific needs and requirements for super visa eligibility.
Snowbirds
Snowbirds are retired Canadians who spend the winter season abroad to avoid Canada’s colder months. As a snowbird, it’s important to make sure you have the right travel insurance in place before you head south for the winter, as you will not qualify for public health insurance at your destination.
International Students
International students often need emergency health insurance wherever they choose to complete their studies. This includes both Canadians studying abroad and students completing their education in Canada. Emergency travel medical insurance ensures one can focus on their studies knowing they won’t have to deal with an unforeseen medical bill.
Foreign Workers
Foreign workers visiting Canada for temporary or permanent employment will not have immediate access to public health care. Travel medical insurance will cover you if you get sick or injured while working in Canada.
Who offers the best travel insurance in Canada?
At PolicyAdvisor, we partner with the country’s best travel insurance providers to present you with the most choice and best option for your insurance needs. Whether you are vacationing abroad, visiting Canada for an extended trip, or sponsoring a super visa application for a loved one, we’re here to help guide you to best provider.
Some of our partners include:
- Manulife
- Tugo (iA Financial Group)
- Group Medical Services (GMS)
- Allianz
- 21st Century Travel Insurance Limited
- Destination Canada
Why should you buy travel insurance?
Whether for a vacation abroad or a visit to Canada, travel medical and health insurance is very important.
For Canadian travelling abroad
- Canadian public health care or your provincial health insurance plan may not cover medical expenses while you are outside Canada
- Your work or group benefits health plan may not cover, or only cover a portion, of the costs of your medical bills abroad
- Foreign medical facilities are generally expensive and often require immediate payment
- Some hospitals and clinics in foreign countries will refuse treatment if you do not have enough insurance coverage or funds to pay for your treatment
For those visiting Canada
- You are not covered under any of Canada’s public healthcare plans
- Treatment for medical emergencies and prescriptions may require cash payments
- Your home country’s public health care offering generally does not cover trips abroad
- Travel medical insurance can cover a broad range of potential situations, including emergency room visits, transportation back to your home country, and prescription drug and dental costs
Frequently asked questions
An independently purchased travel insurance policy ensures you are covered for your entire trip and whatever may happen during its duration.
Most travel medical insurance policies do not cover a pre-existing medical condition by default.
In some cases, if you have shown no symptoms or diagnosis of a pre-existing medical condition for 180 days prior to the effective date of the policy and have not had treatment for the condition during that time, it will not be considered a pre-existing condition during your coverage period.
As well, some conditions may get excluded from your travel medical insurance coverage during the underwriting process. A pre-existing condition exclusion could include a heart condition, kidney condition, form of dementia,
Lastly, some providers offer policies that will cover pre-existing conditions, though the premium will be higher to compensate for the added risk.
Some travel insurance policies are mandatory. For instance, super visa insurance is mandatory for super visa applicants to get approved for their policy, and an in-force policy is compulsory for the duration of your stay in Canada using the super visa.
Thus, it is important to have an in-force travel medical insurance policy when travelling outside of Canada and your home province.
However, the policy generally will not be active until 48 hours after you purchase the coverage. This waiting period is designed to prevent someone from acquiring a policy after they have been injured or hospitalized with an illness.
