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Travel Insurance
A medical emergency abroad can cost tens of thousands of dollars. Travel insurance covers emergency medical expenses, trip cancellation, lost baggage, and more so you can leave Vaughan knowing you're protected. Coverage available across Canada (except the Province of Quebec).
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Travel Protection
What Is Travel Insurance?
Travel insurance covers the unexpected costs that come up while you're travelling, like medical emergencies, trip cancellations, flight delays, and lost luggage. Your provincial health plan offers little to no coverage once you leave Canada.
Emergency Medical Coverage
Covers hospital stays, doctor visits, surgeries, prescriptions, and air ambulance if you get sick or injured outside your home province. A single ER visit in the U.S. can easily top $10,000.
Trip Cancellation & Interruption
Gets you your money back on non-refundable travel costs if you have to cancel or cut your trip short because of illness, injury, a family emergency, or other covered reasons.
Who It's For
Who Needs Travel Insurance?
Whether you're heading out for a weekend getaway or spending six months abroad, travel insurance is worth having if you're leaving Ontario.
Vacationers & Leisure Travellers
Business Travellers
Snowbirds & Extended-Stay Travellers
Students Studying Abroad
Families Travelling with Children
Visitors to Canada
Adventure & Sports Travellers
Frequent Flyers & Multi-Trip Travellers
Travellers with Pre-Existing Conditions
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Trusted Partners
Backed by Canada's leading insurance carriers
Boardwalk Insurance is a RIBO-registered commercial insurance broker in Ontario and a division of Oracle RMS. We compare quotes from 30+ Canadian carriers, including Intact, Aviva, Economical, and Northbridge, and serve businesses across Canada (except Quebec).
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Compare travel insurance options from top Canadian insurers. Medical, cancellation, and baggage coverage for every trip.
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Key Advantages
Why Get Travel Insurance?
Your provincial health card won't cover you abroad. Travel insurance fills that gap so one medical bill doesn't throw your finances off track.
Emergency Medical
Hospital, doctor, prescription, and air ambulance coverage when you need care outside your province.
Trip Cancellation
Get reimbursed for prepaid, non-refundable costs if you must cancel for a covered reason.
Baggage Protection
Coverage for lost, stolen, or delayed luggage and personal belongings during your trip.
Worldwide Coverage
Protection that travels with you — whether you are headed to the U.S., Europe, Asia, or anywhere else.
What's Covered
What Does Travel Insurance Cover?
Every policy is different, but here are the protections most Canadian travellers from Ontario include in theirs.
Emergency Medical
Covers hospitalization, surgery, prescriptions, and doctor visits if you get sick or hurt outside your home province.
- Hospital & ER visits
- Physician & specialist fees
- Prescription medication
- Air ambulance & medical transport
Trip Cancellation
Gets you your money back on prepaid, non-refundable trip costs if you have to cancel before you leave for a covered reason.
- Flights & hotels
- Tour & cruise deposits
- Illness or injury before departure
- Family emergency
Trip Interruption
Covers the extra costs if you need to come home early or get stuck mid-trip because of a covered event.
- Return flight home
- Unused portion of trip
- Extra accommodation costs
- Missed connections
Baggage & Personal Effects
Covers your luggage and personal belongings if they're lost, stolen, or damaged during your trip.
- Lost or stolen luggage
- Delayed baggage expenses
- Personal electronics
- Travel documents
Flight & Travel Delay
Picks up the tab for meals, a hotel room, and other expenses when your flight or connection is delayed for hours.
- Meals & hotel during delay
- Rebooking costs
- Missed departures
- Weather-related delays
Emergency Evacuation
Pays for medical evacuation or getting you back to Canada if the local hospitals aren't equipped to treat you.
- Medical evacuation
- Repatriation to Canada
- Return of remains
- Escort for minors
Risk Awareness
Common Travel Risks
These are the situations that catch travellers off guard, and where travel insurance makes the difference.
Medical Emergency Abroad
Provincial health plans cover little to nothing outside Canada. A hospital stay in the U.S. or Europe can run $5,000 to $50,000+ per day.
Example: You break your leg skiing in Colorado. The hospital bill is $45,000. Your OHIP covers $400. Travel medical insurance pays the rest.
Last-Minute Cancellation
Getting sick, a family emergency, or a sudden work obligation can force you to cancel a trip you've already paid for.
Example: You prepaid $6,000 for a Caribbean cruise. A week before departure, your parent is hospitalized. Trip cancellation coverage reimburses the non-refundable costs.
Lost or Delayed Luggage
Airlines lose millions of bags every year. If yours doesn't show up, you'll need to buy essentials at your destination.
Example: Your luggage is lost on a connecting flight. Baggage coverage reimburses you for replacement clothing and toiletries while the airline locates your bags.
Flight Delays & Missed Connections
Mechanical issues, weather, or air traffic problems can leave you stranded for hours or overnight, and the costs add up fast.
Example: A winter storm cancels your connecting flight and you're stuck overnight. Travel delay coverage pays for your hotel and meals.
Emergency Evacuation
In remote areas or developing countries, the nearest decent hospital may be hundreds of kilometres away. An air ambulance alone can cost $50,000+.
Example: You have a cardiac event while hiking in Southeast Asia. Emergency evacuation coverage arranges and pays for an air ambulance to the nearest qualified hospital.
Pre-Existing Condition Flare-Up
If you have a pre-existing condition, a flare-up abroad might not be covered unless your policy includes a stability clause. It's important to check before you travel.
Example: A snowbird with controlled diabetes needs emergency care in Florida. With the right policy and a stability period met, travel insurance responds.
Get Answers
Frequently Asked Questions
Common questions about travel insurance in Canada.
Travel insurance is a policy that covers unexpected expenses while travelling, including emergency medical care, trip cancellation, lost baggage, flight delays, and emergency evacuation. It fills the gaps your provincial health plan does not cover outside Canada.
Provincial plans like OHIP provide very limited coverage outside Canada — often just a fraction of actual costs. A single ER visit in the U.S. can exceed $10,000, while OHIP may reimburse only a few hundred dollars. Travel medical insurance covers the difference.
Most policies cover emergency medical expenses, trip cancellation and interruption, baggage loss or delay, flight delays, and emergency evacuation. Some plans also include accidental death and dismemberment, rental car coverage, and 24/7 travel assistance.
Travel insurance typically costs 4–8% of your total trip cost, depending on your age, destination, trip length, and coverage level. A week-long vacation policy can cost as little as $30–$80 for a healthy adult.
Many policies cover stable pre-existing conditions if they have been stable for a specified period (often 90–180 days) before departure. Always disclose your medical history and check the stability clause in your policy.
A multi-trip plan covers an unlimited number of trips within a year, each up to a set number of days (commonly 15, 30, or 60 days per trip). It is cost-effective for frequent travellers and eliminates the need to buy a new policy each time.
Yes. Provincial health coverage varies and may not cover the full cost of medical care in another province. Travel insurance ensures you are covered for medical emergencies, cancellations, and baggage loss anywhere in Canada.
Snowbird insurance is travel medical insurance designed for Canadians who spend extended periods (typically months) in warmer climates like Florida or Arizona during winter. It provides emergency medical coverage for the full duration of the stay.
Some insurers offer policies after departure, but coverage is limited and waiting periods may apply. It is always best to purchase travel insurance before you leave home.
Contact your insurer's 24/7 assistance line as soon as possible. Keep all receipts, medical reports, and documentation. Most claims require you to submit a claim form with supporting documents within a set timeframe after the event.
Related Coverages
You May Also Need
Travellers and their families often pair travel insurance with these coverages for complete protection.
Travel With Confidence
Travel insurance for Canadians in Vaughan and across Canada (except the Province of Quebec). Don't leave home without it. across canada (except the Province of Quebec)
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