Map the trip
Have your departure and return dates, destinations, travellers’ ages and the reason for travel ready.
Travel Insurance
Travel insurance. More confidence before you go.
A weekend away, a family visit or a longer stay? Explore emergency medical and trip protection questions for your plans. Start with where you are going and when, then ask about suitable provider options before you leave.
- Trip-specific questions
- Medical and trip protection
- No obligation to buy
Choose call or email next. Ask about provider availability in your province; this step does not issue a quote or start coverage.
Your life. Your coverage.Explore coverage before you go
A little guidance goes a long way.Explore your next step with confidence
Live examples
A.M. Fredericks UnderwritingABEX o/b Affiliated Broker Exchange
Allianz Global RisksAmbri AssuranceApril Canada Inc.April MarineArthur J. Gallagher & Co
AVRO Insurance ManagersBeazley Canada LimitedBerkley Insurance CompanyBlueCross BlueShield
Burns & Wilcox CanadaCAA InsuranceCAN - Continental Insurance
Cansure Underwriting LtdCaradoc Townsend MutualChes Special Risk Inc.Chubb InsuranceChutter Underwriting Services
Core Underwriting ServicesDefinityDesjardins Financial Security Investments Inc.
Dominion of Canada/Travelers/Travelers EssentialEagle Underwriting Group Inc.Echelon
Excess Underwriting Corp.Facility Association
Forward InsuranceGlobal Aerospace Underwriting
Great-West LifeGroupAssureGroupOne Insurance
HDI Global Specialty SE
IA Excellence Life Insurance
INGLE International
Intact Public Entities
La CapitaleLiberty International CanadaLynx Insurance UnderwritersMarkel
NorthbridgeOld Republic
Optiom
PAL Insurance Brokers Canada
Premier Canada AssurancePremier MarinePremium Marine
Revolution Advanced Underwriting
SignalSignature Risks
South Western GroupSovereign GeneralSpecial Risk InsuranceSports & Fitness InsuranceSSQ AssuranceStarr Technical RisksStrategic UnderwritingSummit Underwriting Group Inc.The Boiler Inspection and Indemnity Company (BI&I)
The Totten Insurance GroupTrans Canada
TravelersTrinity Underwriting
Unique Risks
Victor Insurance
From Insurance Genie
Recent travel insurance purchases
Explore recent policy purchases shared through our participating insurance professionals.
Recent policies will appear here when the Insurance Genie CRM feed is connected.
A simple next step
Make the insurance part of your trip plan.
Get the essentials together before choosing a policy. Clear details make the next conversation easier.
Check existing cover
Gather any workplace or credit card policy details so you can ask what already applies to this trip.
Ask about the fit
Enquire about provider availability and discuss your dates, trip activities and the questions the insurer needs answered.
Insurance Genie supplies information and an enquiry route. Confirm provider availability, policy terms and the effective date before relying on travel coverage.
Travel insurance checklist →My trip is soon. What should I have ready?
Start with your departure date, destination and who is travelling. Contact us about provider availability, then ask the provider to confirm whether it can assess the request before departure. Do not assume an enquiry creates coverage.
Should I compare single-trip and annual travel insurance?
If you expect several trips, ask for both options using the dates and coverage you need. Compare the total price and the maximum length of each covered trip. An annual plan is not automatically the better value for every traveller.
Short answer
Travel insurance should fit the traveller, destination and dates. Emergency medical protection and trip interruption address different needs. Compare what your trip requires before choosing a plan. The Government of Canada’s travel insurance checklist is a useful starting point.
Single trip
For one planned trip. Ask which dates, destinations and coverages the proposal includes.
Match your departure and return
Annual multi-trip
For more than one trip during the policy period. Check each trip’s maximum covered length.
Review each trip’s duration
Visitors to Canada
For people visiting Canada. If you are applying for a super visa, check the current insurance requirements.
Check visitor eligibility
Students
For studying abroad or coming to Canada to study. Ask the institution what insurance it requires.
Check the school’s requirements
A provider must confirm the available plan, premium and effective date for your trip. For super visa applications, review IRCC’s health-insurance documentation requirements.
Read this before you buy
Four questions to ask before you travel.
The stability clause
Ask whether pre-existing conditions are covered and how the policy defines its stability requirements. Get unclear answers explained in writing.
Review the definition in the actual policy.
The medical questionnaire
Answer every question completely and accurately. Ask the provider to clarify anything you do not understand before you sign.
Have dates and medication details available securely.
The call-first requirement
Ask when to contact the assistance provider and how an emergency affects that process. Keep the policy instructions accessible.
Save the policy number and emergency contact.
The trip-length cap
Confirm that the entire trip fits the plan. Ask how extensions, top-ups and changes to your return date are handled.
Check the covered dates before departure.
Use the Government of Canada travel insurance checklist alongside the actual policy wording.
Travel insurance FAQ
Does OHIP cover me outside Canada?
OHIP may reimburse limited amounts for qualifying services outside Canada, but it does not replace travel medical insurance or cover the cost of transporting you back to an Ontario hospital. Review Ontario’s current out-of-country coverage guidance before travelling.
Is my credit card travel insurance enough?
Read the benefit certificate for your card and compare it with the actual trip. Ask about insured travellers, covered dates, age restrictions, payment requirements, exclusions and any optional extension. Do not assume a card’s marketing summary describes every condition.
Can I buy travel insurance after I have left?
Ask the provider whether it offers coverage after departure and what conditions or waiting periods apply. An enquiry cannot cover an event that has already happened. Confirm acceptance and the effective date directly with the provider.
What is required for a super visa?
IRCC requires qualifying private health insurance for at least one year from entry, with at least $100,000 of coverage for health care, hospitalization and repatriation. It may be paid in full or by instalments with a deposit. Eligible insurers include Canadian insurers and approved foreign insurers. Check IRCC’s current requirements and evidence rules before purchasing.
Does Insurance Genie sell travel insurance?
No. Insurance Genie provides information and an enquiry route. Ask about an appropriately licensed provider and product availability in your province. This website does not issue travel policies or confirm that coverage has started.
Before you book, not after
A little preparation. A clearer departure.
Bring your dates, destinations and questions. Ask about travel-insurance provider options and confirm the policy details before you leave.
Insurance questions for your location
Find city and town preparation guides across the provinces. Use your actual location and confirm the provider’s provincial availability.
Explore city and town guides →Be prepared
Claims scenarios: what happens next?
Hypothetical situations to help you prepare questions—not actual client claims or promises of coverage.
Medical care away from home
Scenario: A traveller needs urgent medical attention abroad.
What happens next: Obtain necessary care and contact the assistance service as soon as practical. Eligibility, medical wording and exclusions affect the claim.
A trip is cancelled
Scenario: An unexpected event prevents a planned departure.
What happens next: Keep booking and cancellation records. The insurer checks whether the reason is insured and which costs remain unrecoverable.
Baggage is delayed
Scenario: An airline delays checked baggage.
What happens next: Retain the carrier report and essential-purchase receipts. Check whether baggage benefits were purchased and what limits apply.
Actual outcomes depend on the facts and applicable wording. Read claims guidance · Ask about the next step
