Canada travel insurance

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Do I need travel insurance for Canada?

Holiday insurance is not a legal requirement. But without it you will be personally responsible for paying all the costs if something goes wrong with your trip.

Travel insurance can financially protect you if:

your holiday to Canada is unexpectedly cancelled
you need medical treatment
your valuables are lost or stolen

According to the Association of British Insurers (ABI), British residents had to make 500,000+^{^} claims on their travel insurance in 2024.

The most common reason was for medical expenses, which required an average payout of £1,528^{^}. In contrast, the average cost of a travel insurance policy for Canada is £42.51^{^}.

Canada travel advice

Still current at: 26 Aug 2026

Canada is co-hosting the 2026 World Cup from June 11 to July 19, and you can find specific advice for this event on the FCDO's World Cup page. Most visitors will need an Electronic Travel Authorization (eTA) or a visa, so check your requirements online and ensure your passport is valid for your entire stay. While Canada is generally safe, be aware of a high threat of terrorist attacks, and take precautions against petty crime and extreme weather, especially during winter or hurricane season.

This is an AI-generated summary of UK government travel advice. Check the FCDO website for complete information.

Single-trip insurance

Best for a one-off holiday of less than 30 days. You can visit more than one country, as long as you don't return home in-between.
Annual multi-trip insurance

If you go away often then this type policy could be better value. It covers multiple trips for one year.
Backpackers insurance

If your Canadian adventure is just one part of a larger journey, this offers extended cover for longer trips through multiple countries.

How much is travel insurance for Canada?

You can find travel insurance for Canada from just £21.50^{^} on MoneySuperMarket. However, the price you pay will vary depending on factors like your party size and how long you are visiting Canada for.

If you are travelling with other people, you can usually save money by taking out one travel insurance policy. Options include couples travel insurance (for partners or spouses who live together), family travel insurance (usually for a combination of adults and minor children) and group travel insurance (3+ related or unrelated adults travelling together).

Traveller(s)	7 day trip	14 day trip
Individual	£24.32^{^}	£36.90^{^}
Couple	£40.43^{^}	£73.56^{^}
Family	£59.92^{^}	£90.46^{^}
Group	£66.60^{^}	£74.92^{^}

^{These are the average costs paid by MoneySuperMarket customers over the last three months.}

Basic travel insurance
✔ Illness and accidents
✔ Trip and activity cancellations
✔ Lost luggage (including your passport)
✔ Theft
✔ Repatriation (bringing you home in an emergency)
✔ Personal liability (you harm someone or their property)

Extras, add-ons and upgrades
✔ Declared pre-existing medical conditions
✔ Travel disruption
✔ Natural disasters
✔ High-risk activities including skiing
✔ Gadget cover (for high-value items)
✔ Cruises

Not covered
✖ Undeclared pre-existing medical conditions
✖ Alcohol and drug-related incidents
✖ Travel against government advice (see FCDO website)
✖ Deliberately causing harm

The UK has no reciprocal healthcare arrangement with Canada. If you require medical treatment and do not have health insurance you will have to pay all the costs yourself.

This could be extremely expensive. For example, a single day spent on a hospital ward on Price Edward Island would cost you between £750-£1,700^{^} - and that doesn't include any doctors' fees.

Will my EHIC/GHIC cover me in Canada?

No. Global Health Insurance Cards (GHICs) and the older European Health Insurance Cards (EHICs) cannot be used to get free healthcare in Canada.

Yes, you can get holiday insurance with a pre-existing medical condition, but it may be more expensive than a standard policy.

A pre-existing condition is any medical issue for which you had symptoms, medication, medical advice, treatment, or tests before you took out your insurance policy. This includes mental health conditions and disabilities. But pregnancy is not usually considered a pre-existing condition unless you've had complications.

You must disclose all pre-existing medical conditions. If you don't, your insurer can refuse to pay out for a claim.

Get a pre-existing medical quote

How much does medical travel insurance cost?

£28

.97^

This is the average amount paid by MoneySuperMarket customers for travel insurance with medical cover across all destinations. Medical cover for Canada specifically is likely to be more expensive.

Will all medical conditions make travel insurance more expensive?

No. If you have been recovered for a long time or your symptoms aren't very severe insurers may cover your condition for free.

Do I need a visa to visit Canada?

🚩 Visa requirements for a country can change. For the most up-to-date information, check the UK government’s foreign travel advice website.

British passport holders do not need a visa if they are visiting Canada for under six months. However you will need a Electronic Travel Authorization (eTA) if you are flying into the country.

You can apply for your eTA on the Canadian government's website. eTAs cost $7 (about £4) and are usually approved within minutes.

Do I need vaccinations for Canada?

🚩 Vaccination recommendations may be different for individuals with specific health conditions. We recommend speaking to your doctor before travelling.

The NHS Fit for Travel website recommends that your regular vaccinations are up to date before you travel to Canada, including your flu and Covid-19 vaccines if you are eligible for these.

Diphtheria and Tetanus are additional vaccines that some visitors to Canada may wish to have.

What travel insurance do I need for skiing in Canada?

You need to have winter sports cover. Skiing and snowboarding are not usually covered under standard travel insurance policies.

You may be able to add winter sports cover to your existing travel insurance for a fee. Travel insurers will also often bundle together winter sports cover and adventure sports cover.

What travel insurance do I need for hiking in Canada?

You may need to have adventure sports cover. Standard travel insurance policies often will not cover hiking above a certain height or in riskier locations. If your hiking trip involves mountaineering or using climbing equipment you'll almost certainty need extra cover.

You may be able to add adventure sports cover to your existing travel insurance for a fee. Travel insurers will also often bundle together adventure sports cover and winter sports cover.

Why is travel insurance to Canada so expensive?

Healthcare costs are higher in Canada than elsewhere in the world, so insurers charge more to offset the fact that any medical claims made are likely to be more expensive.

If you want to save money on your travel insurance, comparing quotes is one of the most effective ways to find the best price out there for the type of policy you want.

How much should my travel insurance excess be?

Where you set your excess - the amount you pay towards a claim - depends on your personal preferences and finances.

A higher excess can lower your premium. Raising it is one way to find cheaper travel insurance, but you should always choose an excess that is affordable. You can also choose no-excess travel insurance.

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Is travel insurance eligible for SuperSaveClub and rewards?

Yes, you can earn SuperSaveClub rewards when you buy travel insurance through MoneySuperMarket.

This includes:

Up to £5^{^}, which you can withdraw as a pre-paid Mastercard or a gift card for brands like Sainsbury's and Amazon.co.uk
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Is travel insurance eligible for Price Promise?

Yes, travel insurance is included in our Super Save Price Promise.

If you buy through us then find the same deal for less we will:

refund the difference
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Terms and conditions apply. More information can be found on our Price Promise page.

Reviewed on 25 Aug 2026 by

Beth Leslie

Senior Insurance Content Editor

YouGov Survey 1st July 2024 to 30th June 2025. Net Recommend score derived from “Which of the following online service websites would you recommend to a friend or colleague, or tell them to avoid?” Base: Current Customers of (MoneySuperMarket n=18,382, Compare the Market n=16,802, Go.Compare n=10,162, Confused.com n=8,229, Uswitch n=528).

Source: Association of British Insurers (ABI), 2025. '‘Eight to Embark’ – the ABI shares top travel insurance tips as claims data highlights importance of cover' https://www.abi.org.uk/news/news-articles/2025/8/eight-to-embark-travel-insurance-tips/

Data based on the median price of travel insurance sold through MoneySuperMarket to Canada in August 2026. Where the policy type was for single-trip.

Data based on the 10th percentile price of travel insurance sold through MoneySuperMarket to Canada in August 2026. Where the policy type was for single-trip.

The median premiums, for a single trip cover for 7 days where no travellers have pre-existing medical conditions and where the destination was Canada and the party type was One person. Using Moneysupermarket policies sold between May 2026 and July 2026

The median premiums, for a single trip cover for 14 days where no travellers have pre-existing medical conditions and where the destination was Canada and the party type was One person. Using Moneysupermarket policies sold between May 2026 and July 2026

The median premiums, for a single trip cover for 7 days where no travellers have pre-existing medical conditions and where the destination was Canada and the party type was A couple. Using Moneysupermarket policies sold between May 2026 and July 2026

The median premiums, for a single trip cover for 14 days where no travellers have pre-existing medical conditions and where the destination was Canada and the party type was A couple. Using Moneysupermarket policies sold between May 2026 and July 2026

The median premiums, for a single trip cover for 7 days where no travellers have pre-existing medical conditions and where the destination was Canada and the party type was A family. Using Moneysupermarket policies sold between May 2026 and July 2026

The median premiums, for a single trip cover for 14 days where no travellers have pre-existing medical conditions and where the destination was Canada and the party type was A family. Using Moneysupermarket policies sold between May 2026 and July 2026

The median premiums, for a single trip cover for 7 days where no travellers have pre-existing medical conditions and where the destination was Canada and the party type was A group. Using Moneysupermarket policies sold between May 2026 and July 2026

The median premiums, for a single trip cover for 14 days where no travellers have pre-existing medical conditions and where the destination was Canada and the party type was A group. Using Moneysupermarket policies sold between May 2026 and July 2026

Based on prices listed on the Prince Edward Island government website in March 2025. Prices listed in Canadian dollars and converted in British pounds at the March 2025 exchange rate.

SuperSaveClub restrictions and T&Cs apply. Click here for details.

Based on 1 visit per month – average ticket value £15.30 (Oct 24)

T&Cs and restrictions apply, see here for more information

T&Cs apply, click here for more information

The number of providers for travel insurance in August 2026

Data based on the average price of travel insurance sold through MoneySuperMarket with medical cover in 2026.

Canada travel insurance

Compare Canada travel insurance quotes.

Do I need travel insurance for Canada?

Canada travel advice

What travel insurance do I need for Canada?

Single-trip insurance

Annual multi-trip insurance

Backpackers insurance

How much is travel insurance for Canada?

What should my travel insurance policy for Canada cover?

What happens if I get ill in Canada?