Travel Insurance for Canadians | Ethgrity

Your Government Health Card Stops at the Border.

Did you know your provincial plan pays less than 10% of medical costs abroad? Don’t let a US hospital bill bankrupt your retirement or family vacation.

Get Travel Insurance

⚠️ The “I’m Healthy” Trap

Accidents don’t care if you’re healthy. A broken leg in Florida or a sudden appendicitis in Mexico can cost $20,000 to $50,000 instantly.

The “Out-of-Province” Gap

Even traveling within Canada (e.g., Ontario to BC) has risks. Ground ambulance, air ambulance, and prescription drugs are not fully covered by your home province reciprocally.

The US Hospital Bill

US healthcare is the most expensive in the world. A 3-day hospital stay for a heart attack can exceed $50,000 USD. OHIP/MSP might reimburse you only $400 CAD.

Protection for Every Traveler

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Snowbirds

Long-stay coverage for seniors wintering in the USA or Mexico. Specific plans for pre-existing conditions.

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Families

One affordable policy covers everyone. Kids are often added at little to no extra cost on family plans.

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Business Travelers

Frequent flyer? Save time and money with an Annual Plan that covers unlimited trips per year.

Single Trip Plan

Best for: The “Once-a-Year” Vacation

Exact Dates: Pay only for the days you are away.
Top-Up: Can be used to extend coverage if you stay longer than planned.
Flexibility: Good for long, one-off trips (e.g., 4 months in Europe).

Annual Multi-Trip Plan

Best for: Frequent Travelers & Cross-Border Shoppers

Unlimited Trips: Travel as many times as you want in a year.
Trip Duration: Choose 10, 30, or 60 days per trip options.
Convenience: Buy once, forget it. You are always ready to go.

❄️ Snowbirds: Watch the “Stability Clause”

If you are over 60, insurers will ask about your medical history. A pre-existing condition (like high blood pressure) is only covered if it has been “Stable” for a set period (usually 90 to 180 days) before you leave.

What is “Unstable”? A change in medication (new dosage, new brand), a new symptom, or a pending test result can make a condition “unstable.” Contact our advisor to find plans that cover unstable conditions or offer a “Stability Rider.”

Frequently Asked Questions

I have insurance on my credit card. Is that enough?

Maybe, but be careful. Credit card plans often have low limits, strict age restrictions (coverage ends at age 65), and shorter trip duration limits (e.g., only 15 days). Review the fine print or ask us to compare it for you.

Do I really need insurance for travel within Canada?

Yes. While your doctor visits might be covered reciprocally, Ambulance rides, Air Evacuation, and Prescription Drugs are NOT. An air ambulance from BC to Ontario can cost $30,000+.

Can I extend my policy if I stay longer?

Yes, most policies allow “Top-Ups” or extensions, provided you have not had a medical claim during the initial period. You must call us before your current policy expires.

Are COVID-19 related expenses covered?

Most modern travel policies now treat COVID-19 like any other emergency illness, provided there is no “Level 4” travel advisory against it. Check with our advisor for the latest advisory rules.

Disclaimer: The information provided on this page is generic in nature and for educational purposes only. Insurance policies, coverage limits, stability periods, and exclusions vary significantly by insurance company. Credit card coverage limitations vary by bank. Please consult with our licensed advisors to review the specific policy wording before purchase to ensure it meets your specific health needs.