Travel Insurance for Canada: our comprehensive guide

Are you going to discover Canada? Wonderful idea! But did you think of subscribing appropriate travel insurance?

Canada is a multifaceted country that many dream of discovering. Montreal , Toronto , Quebec , Ottawa are fascinating cities. And what about the exceptional nature of this country? ♪ Niagara Falls Of course, Banff National Park, Jasper National Park, hard to resist the promised show. But to appreciate it in the best way, we advise you to subscribe travel insurance for Canada. It will be a real financial security for you, you can fully enjoy this magical stay.

Comparative travel insurance for Canada

Chapka, ACS, Europ assistance... insurance companies able to offer you coverage for your stay abroad are not missing. To find out which one can offer you the best guarantees, see our table.

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What is the best travel insurance for Canada?

Are you looking for the best travel insurance for Canada? If so, you will have to compare prices and guarantees. Indeed, your insurance must be able to adapt to your budget while offering consistent guarantees with the nature of your stay.

Do not subscribe to cheap travel insurance if it does not meet your needs. Do not take all the guarantees at the risk of paying the price hard if, in the end, only half of these guarantees are useful to you.

There is no better universal insurance, there are only guarantees that will allow you to fully live your vacation in Canada.

To find the best travel insurance for you, you must consider the following parameters:

• duration your stay (risk increases over time);
• nature your accommodations (the cancellation guarantee usually works with professional hoteliers, not with private platforms);
• ♪ planned activities during your stay in Canada (visiting high places in Vancouver or hiking in the heart of the Rockies);
• The Medical expenses in the country (to properly choose the amount of guarantees);
• Your health.

What is the rate of travel insurance for Canada?

There is no standard price for travel insurance. Why? Simply because it is determined by different factors and that two travellers will not necessarily have the same needs. To determine the amount of its contribution, the insurance company will consider the following:

• Your Age ;
• duration of the stay;
• ♪ guarantees subscribed;
• The Number of persons to ensure.

In addition, each insurer is free to set its prices as it hears. As a result, with equal guarantees, rates can vary greatly.

Why take travel insurance for Canada?

Taking insurance for Canada meets a need for protection. Indeed, it is the solution to leave serene and know that you will be accompanied in case of problem.

What are the guarantees of multi-risk travel insurance?

When you buy multi-risk travel insurance, for Canada or anywhere else, for a short stay or for a tour of the world, you generally have basic guarantees and options as needed. It is up to you to modulate these guarantees for a custom subscription.

Here are the guarantees you can choose in your travel insurance:

• Medical (consultations, medical care, hospital insurance, medical care, etc.);
• Guarantee of civil liability ;
• Legal assistance ;
• Loss and flight of baggage ;
• Travel cancellation insurance ;
• Research and rescue costs ;
• Travel change insurance ;
• Sports insurance (extreme or not)
• Repatriation (repatriation or to join relatives in the context of a death in France).

Is travel insurance mandatory for Canada?

No, Canada is not one of the 4 countries in which travel insurance is compulsory . This is not a reason why not to subscribe. The offered guarantees can cover you at any time, better not take a risk, especially for a trip so far.

To have a concrete idea of the need for travel insurance, you should know that a doctor’s consultation is around $100 . You need an ambulance? It will cost you this time $600 . With travel insurance, these expenses will not be at your expense.

The importance of repatriation insurance for Canada

Repatriation insurance is always important, it is all the more so when you travel to a distant country.

There are two types of repatriations:

• Health repatriation: if you are injured in an accident, if you fall and are not able to move normally, etc.
• Repatriation to reach your loved ones in case of problems in France: this allows you to take charge of your plane ticket.

Having to take an extra flight ticket has a cost that you may not be able to take. And, in the event of a medical repatriation, this price will fly away. Without insurance, Canada will certainly not be among your best memories.

Am I reimbursed for my care in Canada by Health Insurance?

When you go to Canada, travel insurance supports your care. If you chose not to subscribe, then you can actually ask the Health Insurance to repay you. However, this solution has two limitations:

• You have to do advance of costs ;
• You will only be refundedaccording to the French scales.

However, we found that medical expenses in Canada are extremely expensive.

If you want to be refunded, you must complete a cerfa form “foreign care” and attach the invoices paid as well as proof of payment.

Good to know: reimbursement will only be granted by the medical consultant if the care was truly urgent and unforeseen.

Does my Visa or Mastercard card cover me in Canada?

One Credit card like the Visa Premier card or the Gold Mastercard offers travel insurance. So you can actually be covered during your trip to Canada. However, we advise you to compare the guarantees with those of travel insurance in order to ensure that they are sufficient for protection and compensation ceilings.

What insurance will take in the event of car rental in Canada?

A vast country, Canada cannot fully discover itself without a car. If you rent a car, you will automatically benefit from insurance. However, it is rarely sufficient to expect full care.

Most of the time, you are protected in case of a responsible accident, the car rental insurance compensates the third party. However, the damage to the vehicle you rented is not always compensated. And, when this is the case, you often have to pay an important franchise .

We advise you to make a comparison between an independent car rental insurance and that offered by your renter to be certain of a care at the height of your expectations.

Administration, Health and Safety for Canada: Our Advice

Here are some important points to consult before leaving Canada.

What visa for Canada?

As a Frenchman, to visit Canada, you do not need a visa, but a visa AVE (electronic travel authorization). It costs $7 and will be directly related to your passport. You can request it online.

With this eTA, it is possible to visit Canada during 3 months . However, if you plan to stay longer, a visa application will apply.

Health & Hygiene

We have seen it, health costs are very expensive, so travel insurance is required. As for hygiene, there are no specific risks in Canada.

In terms of health, be vigilant in forests. Indeed, ticks proliferate, the risk of contracting Lyme disease is therefore important. Thus, it is best to cover well during a hike. The mosquitoes are also very present in Canada, plan products to protect you.

Security on site

In the city, in Canada, the crime rate is very low. However, stay vigilant, don't hang out in the neighborhoods that seem uncommon to you. Make sure not to make your wallet or laptop accessible, if crime is low, flights are not excluded.

What to do in the event of an accident in Canada?

You did not subscribe to travel insurance and you will find yourself alone in the event of an accident? Contact him 911 . As in United States , it is a unique number that brings together all emergencies.

What health insurance for expatriates in Canada?

Are you conquered by Canada and wish to expat? Therefore, it is no longer a travel insurance, but an expatriate insurance you will need to subscribe. This specific contract allows you to benefit from comprehensive insurance that takes care of your medical care, your hospitalization and offers you repatriation assistance in case of early return according to the guarantees subscribed. You also receive civil liability insurance for damage to a third party.

You're here for your Canadian stay! Be careful and enjoy this wonderful country!