Travel Insurance For Canada – Forbes Advisor UK – Forbes

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The Forbes Advisor editorial team is independent and objective. To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive payment from the companies that advertise on the Forbes Advisor site. This comes from two main sources.
First, we provide paid placements to advertisers to present their offers. The payments we receive for those placements affects how and where advertisers’ offers appear on the site. This site does not include all companies or products available within the market.
Second, we also include links to advertisers’ offers in some of our articles. These “affiliate links” may generate income for our site when you click on them. The compensation we receive from advertisers does not influence the recommendations or advice our editorial team provides in our articles or otherwise impact any of the editorial content on Forbes Advisor.
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The comparison service on our site is provided by Runpath Regulated Services Limited on a non-advised basis. Forbes Advisor has selected Runpath Regulated Services Limited to compare a wide range of loans in a way designed to be the most helpful to the widest variety of readers.
Updated: Mar 25, 2022, 9:48am
From the Northern Lights and Niagara Falls to poutine and polar bears, there are plenty of reasons to want to visit Canada. 
Some 85% of travel insurance claims are for medical expenses or trip cancellations as a result of emergencies, according to data from CYTI, our travel insurance partner. So, if you’re planning a trip to the Great White North, a travel insurance policy will protect you against the financial impact of a range of mishaps and misfortunes.
Here’s everything you need to know about travel insurance for Canada.
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Despite being a Commonwealth territory, Brits aren’t entitled to even a basic level of healthcare should they become ill while visiting Canada. Unlike Australia, Canada has no reciprocal healthcare agreement with the UK.
So, travel insurance is essential if you’re visiting Canada, as healthcare could be very expensive if you’re unfortunate enough to have to dial 911.
If you buy travel insurance for Canada, you can get a basic policy that’ll protect you against the usual medical and other risks, or you can buy a policy with extras such as winter sports cover – it depends on the type of holiday you’re going on.
You may need to make a claim for lost, damaged or stolen personal possessions, which a good travel insurance policy should cover you for.
As a rule, when buying travel insurance it’s best to look for a policy with medical expenses cover up to £5 million (including repatriation). 
It should also feature cancellation/curtailment/missed departure cover for if, for whatever reason, you’re unable your travel doesn’t go as planned. It’s important to buy your policy when you book and pay for your trip so you have cancellation cover straight away should you need to cancel because of an event such as bereavement, illness, divorce or redundancy.
Most policies these days cover your having to cancel your trip because you fall ill with Covid. You’ll also likely be covered for healthcare associated with falling ill with Covid while in Canada.
If you’re heading to Canada for some skiing, snowboarding or any other kind of outdoor pursuits, you should check the policy wording to see if you’re protected, or whether – for example, you need to buy specific winter sports cover.
If you’re going backpacking or touring Canada, you should look into backpacking insurance or extended-stay insurance that will cover you for more than 31 days.
And if you’re taking expensive laptops, phones or other technology to Canada with you, a gadget insurance policy can pay out if your devices are lost, stolen or damaged. Finally, if you’re tying the knot over in Canada, it might be worth investigating wedding insurance to cover related risks.
Many travel insurance policies do not provide cover you if you injure yourself because of drugs or alcohol. Also, if you simply decide you don’t want to travel, an insurance policy’s cancellation cover will not pay out – you need a genuine reason for not going, as listed in the policy documents.
No. The Global Health Insurance Card (GHIC), despite its name, only applies to countries in Europe. The card replaced the European Health Insurance Card (EHIC) after Britain left the European Union, but doesn’t have any use in Canada.
A price comparison website like Forbes Advisor UK is the best way to find and compare cheap travel insurance for Canada. But just because a policy is cheap, it doesn’t mean it’s good enough. Finding the level of cover you need is just as important as low premiums.
Make sure your policy covers worldwide risks including North America, or mentions Canada by name. The high cost of medical treatment in Canada means some policies – even some worldwide ones – exclude Canada along with the United States and the Caribbean.
If you’re going to be travelling more than twice over the next year, an annual multi-trip policy  may be more cost effective than a series of single trip policies.
An insurance’s policy’s ‘excess’ is the sum you have to pay in order to get a claim started. You can often choose to pay more excess to get cheaper premiums, but make sure the excess you choose is something you’d be willing and able to pay if you needed to make a claim.
Some policies charge an excess for each section of the policy so, if you were injured and also lost some belongings, you might be charged the excess twice.
And some policies charge the excess for each person listed on the policy rather than just once, making the potential charge that much higher, so watch out of this in the terms and conditions and see if the premium is low enough to make the policy worthwhile.
Some policies give you the option to pay what’s called an excess waiver – this is an additional premium that means you don’t have to pay any excess if you make a claim.
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Staff writer Mark Hooson has been a journalist within the personal finance, consumer affairs and fraud sectors for more than 10 years. He is also Forbes Advisor UK’s resident tech expert. Mark says he thrives on making ‘complicated and dry topics easier to digest’.

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