Travel Coverage Calculator Calculator | Aeva
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Compare Travel Health Insurance Plans
Out-of-country medical emergencies can be catastrophically expensive ā provincial plans cover only a small fraction of foreign hospital bills. Travel insurance protects you against medical emergencies, trip interruptions, and lost luggage.
Use this calculator to narrow the market around a real coverage need, then move into a broader plan comparison once you know what matters most.
Why Canadians Need Private Travel Insurance
Provincial Plans Don't Cover It
Travel services are not covered by provincial health insurance plans across Canada.
Costs Add Up Quickly
Without insurance, travel expenses can reach thousands of dollars per year out-of-pocket.
Peace of Mind
Know you're protected when you need care. Get treatment without worrying about the cost.
What Travel Insurance Covers
Emergency Medical While Traveling
The core reason travel insurance exists ā handling unexpected medical costs abroad.
- Hospital stays and ER visits abroad
- Emergency surgery and treatment
- Ambulance and emergency air evacuation
- Prescription medications related to the emergency
- Follow-up care during the trip
Trip Cancellation & Interruption
Reimbursement when travel plans fall apart for covered reasons.
- Pre-departure trip cancellation due to illness, injury, or other covered events
- Trip interruption ā returning home early for covered reasons
- Delayed-departure expenses
- Missed connection costs
Baggage, Documents & Other Travel Coverage
Coverage for non-medical travel disruptions.
- Lost, stolen, or delayed baggage
- Travel document replacement
- Rental car damage (some plans)
- Accidental death and dismemberment while traveling
Why Travel Coverage Is Non-Negotiable
A single overnight hospital admission in the U.S. can run into the tens of thousands of dollars ā entirely outside what provincial health plans will reimburse. Provincial plans cover only a small daily amount for out-of-country hospitalization and nothing for out-of-country ambulance or specialist care. Travel insurance is the protection against catastrophic foreign medical bills.
Ready to Compare Travel Insurance Plans?
Use our free calculator above to instantly compare coverage from Canada's top health insurance providers. Get personalized recommendations based on your specific needs and budget.
Why Travel Insurance Matters
Travel insurance isn't about the trip ā it's about what happens if a routine trip becomes a medical emergency abroad. A heart attack in Florida, a broken leg in Mexico, or an appendectomy in Europe can produce bills that would take years to pay off without coverage.
ā¢ **Catastrophic medical protection** ā coverage often runs into the millions, vs. provincial plans that cap at a token daily amount ā¢ **Air evacuation if needed** ā repatriation flights for medical reasons are among the most expensive single line items ā¢ **Coverage for pre-existing conditions** under stable-condition clauses ā¢ **Trip-cancellation protection** if you need to cancel before departing ā¢ **Family-trip flexibility** with annual multi-trip plans for frequent travelers
Buy travel insurance before you leave ā most plans require you to be in your home province when the policy starts.
How to Choose the Right Travel Insurance Plan
Assess Your Needs
Consider how often you'll use travel services. Past usage is the best predictor of future needs.
Compare Annual Maximums
Look for plans with coverage limits that match your expected annual costs, plus a buffer for unexpected needs.
Check Reimbursement Rates
Higher reimbursement percentages (80-100%) mean lower out-of-pocket costs for each visit or service.
Consider Total Plan Cost
Balance monthly premiums with coverage levels. The cheapest plan isn't always the best value for your situation.
Top Travel Insurance Providers in Canada
Compare travel coverage from Canada's leading health insurance companies. We help you find the best plan from these trusted providers:
Blue Cross
Comprehensive coverage across all provinces
Manulife
Flexible plans with excellent benefits
Sun Life
Competitive rates and strong network
Canada Life
Extensive coverage options
Desjardins Insurance
Strong presence in Quebec and nationwide
RBC Insurance
Banking customers get preferred rates
Related comparison pages
After you compare travel coverage, use these pages to understand broader plan trade-offs across Canada.
Travel Insurance FAQ: Common Questions About Coverage in Canada
Doesn't my province cover me when I travel?
Provincial plans pay only a small fraction of foreign medical bills ā typically a fixed daily amount for hospitalization and nothing for ambulance, specialist care, or surgery. Most out-of-country expenses are paid by you or your travel insurance, not the province.
What's a stability clause?
A stability clause says the insurer will cover a pre-existing condition only if it has been 'stable' for a specified period before departure ā typically 3, 6, or 12 months. Stable usually means no new symptoms, no medication changes, no new treatments, and no scheduled tests. If your condition isn't stable per the policy's definition, claims related to it may be denied.
Do I need travel insurance for trips within Canada?
Reciprocal provincial coverage handles most in-Canada hospital care, but Quebec residents and out-of-province specialist care can have gaps. Travel insurance for in-Canada trips is cheaper and adds trip-cancellation and baggage protection.
What about credit card travel insurance?
Many premium credit cards include some travel medical coverage. Confirm the policy details ā coverage age limits, trip duration limits, pre-existing condition rules, and per-event maximums often vary significantly from standalone policies.
Should I get single-trip or annual coverage?
If you travel two or more times per year, an annual multi-trip plan is often cheaper than buying single-trip coverage each time. Annual plans typically cap individual trip lengths (e.g., 15 days, 30 days, 60 days) ā choose based on your longest trip.
Ready to Find the Best Travel Insurance Plan in Canada?
Get a free, personalized quote from Canada's top health insurance providers. Our AI-powered comparison tool finds the best travel coverage for your needs and budget-in under 2 minutes.
ā Free comparison ā No obligation ā Instant quotes ā Licensed advisors available