Travel Insurance for Canada – Complete Guide 2025

Introduction: The importance of travel insurance for Canada

Canada, the land of maple leaves, pristine lakes, and warm hospitality, sees millions of travellers every year. Whether you fly in to see the breathtaking Rocky Mountains, enjoy the vibrant nightlife in Toronto, or feel the European charm in Montréal, one thing remains common-travel insurance for Canada.

As exciting as traveling is, the risks that come with it are very real. While Canada's healthcare system is one of the best in the world, it isn't free for international visitors. One small injury without insurance could set you back thousands in medical bills: an emergency room visit costs $900 to $1,800, while a hospital stay can run up a bill of $4,000 plus per night.

That's why it's important to understand, compare, and buy the right travel insurance. In this comprehensive guide, we will explain why you need it, what you should look for, and which ones are among the best in 2025. We also discuss options for staying connected abroad: from Canada eSIM, Prepaid SIM Card Canada, to Unlimit Mobile, one of the most convenient connectivity providers for travelers.

Why You Should Buy Travel Insurance for Canada

Many travelers make the assumption that they will not need insurance on a trip that will only last a week or two. However, unexpected situations can easily turn even a short vacation into a financial nightmare. The healthcare services in Canada are among the best, but they are very expensive for non-residents.

A broken arm can set you back $3,000 to $5,000, a simple infection requiring a course of treatment and medication could cost upwards of $800, and even an ambulance ride can range between $400 and $1,000. These are not imagined prices; they are actual costs paid by many uninsured visitors each year.

Besides medical expenses, travel disruptions are also quite common. Flight cancellations, weather delays, and lost baggage are all part of traveling today. In 2024, 32% of flights in and out of Canadian airports were delayed, while approximately 1.6% of the bags were mishandled or lost. Having travel insurance to or within Canada means you are covered for missed connections, lost luggage, and other unexpected expenses.

Visitors on specific visa categories, like Canada's Super Visa or student visa, are also legally required to have valid medical coverage. Even if it is not mandatory, it's an essential investment into your peace of mind. For many travelers, the insurance costs less than 5% of their total trip budget but covers 100% of the financial risk.

Simply put, if you can afford to travel, you can afford to insure your trip.

What Should a Travel Insurance for Canada Cover

The first important consideration when choosing the right plan is medical and hospitalization coverage. The best policy would cover up to at least $1 million to $5 million CAD in medical expenses. This includes hospitalization, outpatient care, surgeries, diagnostic tests, prescription drugs, and doctor visits. Some fully comprehensive plans also offer telemedicine services, which allow for virtual consultations at no cost.

Next comes emergency medical evacuation and repatriation. Imagine that you are hiking in Banff or skiing in Whistler and get a serious injury. You may need helicopter evacuation, which can be over $50,000 CAD. Good insurance would fully cover such emergencies.

Equally important is trip cancellation and interruption protection. Life is unpredictable, and with the suddenness of illness, family emergencies, or weather that could derail plans, this insurance policy will ensure you get reimbursed for flights, hotel stays, and any pre-paid tours that aren't refundable.

Another must-have is baggage protection. Airlines deal with millions of baggage pieces annually, and even the shortest delay causes inconvenience. Insurance that covers lost or delayed luggage lets you replace essentials without stress.

Finally, look for personal liability coverage-so if you accidentally damage property or injure someone else on your trip, you will be covered. And there is 24/7 emergency assistance to immediately connect you with multilingual support wherever you may be in Canada.

Comparison of the Best Travel Insurance for Canada

Compare travel insurance for Canada based on more than price. Consider coverage area, ease of claim, and type of travel. A single-trip plan could work for a short-term traveler, while frequent visitors may save with annual multi-trip coverage.

The budget plans begin with about $60–$100 and offer limited protection with lower medical caps. Mid-range plans cost between $120–$250, providing balanced coverage for most tourists. Premium plans go from $300–$600 and come with the inclusion of higher medical limits, pre-existing condition coverage, and optional “Cancel for Any Reason” benefits.

As a general rule, always choose a policy that carries at least $2 million CAD in emergency medical coverage and full repatriation support.

Unlimit Mobile – Best Prepaid SIM Card Canada

When visiting a new country, staying connected is more than a convenience — it’s a necessity. Whether it’s using Google Maps in Vancouver, calling a rideshare in Toronto, or posting photos from Banff National Park, a reliable mobile network keeps your trip smooth and stress-free. That’s where Unlimit Mobile comes in — widely recognized as one of the Best Prepaid SIM Card Canada options for travelers in 2025.

What is Unlimit Mobile?

Unlimit Mobile is a global mobile service provider offering flexible and affordable Canada eSIM and physical SIM Card Canada plans designed specifically for international travelers. With Unlimit Mobile, you don’t need to worry about expensive roaming charges or complicated local carrier contracts. Simply choose your preferred plan, activate it instantly via eSIM, and enjoy high-speed connectivity from the moment you land.

Unlimit Mobile’s service covers the entire country — from bustling cities like Toronto and Montréal to remote areas in Alberta and British Columbia. The brand has built a reputation for reliability, transparent pricing, and customer support that operates 24/7 for travelers around the globe.

Benefits of Unlimit Mobile for Canada Travelers

One of the biggest advantages of Unlimit Mobile is instant activation through its Canada eSIM technology. Travelers can simply scan a QR code before their trip and have data access the moment their plane touches down. No waiting in line at airports or hunting for local stores.

Unlimit Mobile also offers cross-border connectivity, making it perfect for those visiting both the U.S. and Canada. You can travel from Seattle to Vancouver or from New York to Toronto without switching SIM cards or incurring roaming fees. That seamless experience makes Unlimit Mobile one of the Best eSIM for Canada and North American travelers.

Another benefit is affordable pricing. Traditional roaming charges can easily exceed $10 per day, but Unlimit Mobile plans start at just $10 per week for light users. Even heavy data users can enjoy unlimited plans at competitive rates — saving hundreds of dollars during extended trips.

Unlimit Mobile users also enjoy 5G speeds, nationwide coverage, and compatibility with most unlocked iOS and Android devices. Whether you’re streaming, video calling, navigating, or uploading photos, Unlimit performance ensures smooth, uninterrupted access anywhere in Canada.

Unlimit Mobile – Data Plans and Flexibility

Unlimit Mobile offers a wide range of Prepaid SIM Card Canada and Canada eSIM plans tailored to various traveler needs. Their most popular packages include:

Short-Term Plans: Perfect for tourists on 5–10-day trips, offering 3GB–10GB of data starting from $10–$20.

Monthly Unlimited Plans: Great for business travelers and digital nomads, offering unlimited 4G/5G data starting around $40/month.

North America Plans: Seamlessly cover both the U.S. and Canada with one eSIM — ideal for travelers who move between the two countries frequently.

All plans are prepaid, meaning no contracts, hidden fees, or credit checks. You simply pay for what you need, and you can top up or extend your plan at any time directly through Unlimit Mobile’s website or app.

Another reason Unlimit Mobile stands out is its eco-friendly eSIM approach. Unlike plastic SIM cards, eSIMs reduce waste while offering instant, digital convenience — aligning perfectly with modern travel trends.

Why Choose Unlimit Mobile for Your Canadian Trip

For anyone traveling to Canada in 2025 — whether for leisure, study, or business — Unlimit Mobile is an all-in-one connectivity solution. It combines affordability, flexibility, and high-speed coverage in a single package. With Unlimit Mobile, you’ll always have access to navigation, translation, digital tickets, and social media, all powered by Canada’s best networks.

So before you board your flight, pair your travel insurance for Canada with Unlimit Mobile’s Best eSIM for Canada or Prepaid SIM Card Canada plan. Together, they ensure you’re protected, connected, and ready to explore every corner of this incredible country with confidence and convenience.

 

The 5 Best Travel Insurance for Canada in 2025

1. Global Secure Travel Insurance

Global Secure is a top choice among full-service policies for families and long-term visitors to Canada, offering up to an amazing $10 million CAD in medical coverage for hospitalization, surgery, prescriptions, and follow-up treatments. The plan covers emergency evacuations, trip cancellations, loss of baggage, and even adventure sports like skiing and hiking — crucial when people explore the Rockies.

Another significant plus is its comprehensive family package: it doesn't charge for children under 12, which means it is very good for family holidays. The insurance policy includes 24/7 multilingual assistance and the possibility of direct billing with most Canadian hospitals, which means you won't have to pay for your treatment yourself in advance.

It does have some disadvantages, the main one being that it costs more, averaging at around $250–$400 for a two-week stay. Secondly, the insurance requires travelers over 70 to complete a health questionnaire. Its reliability and substantial coverage make it the best choice for peace of mind.

2. Explorer Plus Travel Insurance

Explorer Plus is an excellent mid-range plan for lone travelers or couples who take short leisurely trips. It boasts up to $5 million CAD in medical coverage and also includes trip cancellation, delay, and baggage protection. What sets it apart, though, is its flexibility: travelers can choose from several tiers and add optional upgrades like winter sports coverage or protection for business equipment.

The average cost is about $120 for a two-week trip, and claims are easily submitted through their online portal. One feature people who travel love is the 24-hour global helpline, where they have immediate assistance for medical emergencies, lost passports, or rebooking flights.

Although Explorer Plus does not automatically cover pre-existing medical conditions, it is available to add at an additional premium. The only downside, besides the addition of this coverage, is a small deductible on claims; overall, it is a balanced and affordable plan for most tourists.

3. Annual Multi-Trip Advantage Plan

Frequent travelers will appreciate the Annual Multi-Trip Advantage Plan, created for individuals who visit Canada several times a year. This policy allows unlimited trips within 12 months, with a maximum stay of 45 or 60 days per trip. It includes $5 million CAD in medical coverage, trip cancellation benefits, and baggage insurance.

It covers worldwide travel and thus is an excellent value for a business professional or a digital nomad who moves between countries regularly. It costs somewhere between $350 and $500 annually, which may seem high at first but pays for itself after just two or three trips.

Its main limitation is the per-trip duration cap, with travelers needing to extend the coverage or switch to a single-trip plan if their stay extends beyond 60 days. It's a favorite among frequent flyers because of its convenience, flexibility, and automatic renewal of coverage.

4. Budget Saver Travel Insurance

Budget Saver is a good option if you are a student, a backpacker, or just traveling on a shoestring budget. It doesn't cost much: only $60 for a week, yet it provides basic coverage, such as medical expenses up to 500,000 CAD, compensation in case of trip delay, and basic protection of baggage.

This plan does not include adventure sports or high-value electronics, but it's perfect for a short city trip or for those who want only emergency medical coverage. Claims are quite easy; most reimbursements are processed within 10 business days.

The biggest advantage, though, is how affordable it is. Due to its rather limited coverage, it's best suited for short and low-risk vacations. It's a great entry-level choice for students visiting their family or attending conferences in Canada.

5. Premium Elite with CFAR Option

The Premium Elite Plan is for those travelers who do not want to leave anything to chance. It includes up to $10 million CAD in medical protection, unlimited emergency evacuation, and coverage for pre-existing medical conditions. The most distinguishing feature, however, is the option called Cancel for Any Reason, which reimburses the customer up to 75% of the non-refundable trip cost in case a customer wants to cancel due to personal reasons, such as a change of mind or scheduling conflict. The plan also includes some luxury add-ons like high-limit baggage insurance, business equipment protection, and adventure and winter sports coverage. 

Families will appreciate that children under 18 are covered for free when traveling with an insured adult. Prices range from $400 to $600 per trip, which is one of the pricier policies out there. For older travelers, cruise passengers, or those with significant prepaid bookings, it's worth every dollar for the security it provides.

Which Is the Best Travel Insurance for Canada?

The best travel insurance for Canada depends on your needs. If you’re a short-term traveler on a modest budget, Explorer Plus offers the ideal mix of affordability and coverage. Families and long-term visitors should consider Global Secure, while Annual Multi-Trip Advantage is perfect for business travelers who fly frequently.

If you’re looking for the most comprehensive protection with “Cancel for Any Reason” flexibility, Premium Elite is unmatched. For backpackers and students, Budget Saver remains the go-to low-cost option.

No matter which plans you choose, always read the fine print carefully. Pay attention to pre-existing medical condition clauses, activity exclusions, and maximum trip durations. It’s better to spend a little more upfront for a policy that truly covers your needs than to discover gaps in coverage during an emergency.

Conclusion: Travel Smart, Stay Protected, and Stay Connected

A 2025 trip to Canada is an adventure that's endless, from the icy Yukon landscapes to the towering skyscrapers of Toronto. But with great excitement comes great responsibility. The proper travel insurance for Canada gives you protection against unexpected costs, delays, or emergencies that might otherwise derail your journey.

Just as important as it gets is remaining connected. By accompanying your travel insurance with a Canada eSIM, Best eSIM for Canada, or Prepaid SIM Card Canada from Unlimit Mobile, you will have protection and communication at your fingertips.

The two important things to do before flying: get comprehensive travel insurance and activate your Unlimit Mobile plan. Together, they ensure that your trip to Canada is secure, smooth, and hassle-free; this way, you can give more time to what's important: making memories in one of the most beautiful countries in the world.