Travel Insurance Quotes in 3 minutes

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1. Complete our travel insurance questionnaire

We’ll collect some basic information about you and your trip

2. Receive your quote

We'll determine your rate based on the information your provide

3. Ask us questions

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4. Review and finalize your rate

Obtain your policy and travel confidently

Insurance Hunter quotes from the top travel insurance provider in Canada using the latest quote comparison technology. Combine this free service with the most knowledgeable staff in the industry and you’ll get some of the cheapest travel insurance rates available on the market.

Our Insurance Hunters have one main objective: getting you the best coverage at the lowest price. Plus, our staff have your priorities in mind; they’re trained to offer you tips that help you save even more on your travel insurance coverage.

Comparing rates from a diverse pool of insurance providers is the easiest way to unlock the savings on your travel insurance.

Why Insurance Hunter?

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  • Access to unbiased, fully-licensed insurance professionals
  • Your private information will never be sold or shared
  • Get an up-to-date quote any time, 24/7!

Why do I need travel insurance?

“Better safe than sorry” is a phrase best suited for travel insurance.

For people that value that added sense of protection on trips to foreign places, travel insurance is the only way to cover your expenses if you get sick, injured or experience another unfortunate event while abroad.

Lost luggage, trip cancellation, and emergency medical care are all options you can add to your policy in order to avoid the hassle of dealing with them away from home. The large expenses of foreign medical bills are mediated through travel insurance coverage, especially in locations where healthcare is privatized or hard to find.

Good travel insurance policies cover your out-of-pocket expenses if and when something goes wrong with your trip.

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Travel insurance is the ultimate travel companion. Getting coverage will save you from the top 5 issues that come up during travel, listed below.

The costs of a medical emergency

Unexpected medical expenses can add up quickly in foreign hospitals – a good travel insurance plan will pay for them!

Reimbursement for trip cancellation or interruption

If something legitimate comes up that forces you to cancel your scheduled trip, most travel insurance plans will cover the costs associated with re-booking or cancelling your travel – that includes your airfare and hotel reservations.

Compensation for the theft or loss of your belongings

Missing or mishandled luggage is one of the banes of frequent travel. Travel insurance can include coverage for belongings that are lost or stolen while you're on your journey.

You can access emergency assistance

In trouble? Your travel insurance provider can help. Many travel plans have designated agents that will assist you when you need medical help, or other types of help while you're on your trip. Just give them a call!

You'll have peace of mind

Travel insurance means you can stop worrying about something going wrong while you're away and just enjoy your trip. Relax – it's covered!

What determines the cost of travel insurance?

How much you pay for travel insurance depends on a handful of factors, which pertain to you, your trip and the type of coverage you want. Fundamentally, insurance providers use these factors to determine the likelihood that you’ll make a claim, and how expensive any potential claim will be, and raise or lower your premium based on their estimate.

Your age tells insurers a lot about your health. Insurance providers set their rates based on age ranges, not specific numbers. So if you fall into the 60+ category, you’ll likely pay more than someone who falls into the 20-30 age range.

Pre-existing conditions make travel insurance premiums more expensive. But they also make travel insurance more crucial to own. Be sure not to hide a pre-existing condition from your travel insurance provider, or your policy may be voided.

The longer your trip, the longer you’ll need coverage, the greater your exposure to risk. Put simply, long trips are more expensive to insure than short ones.

Ask your insurer about group coverage to avoid paying for each traveller individually. This is especially helpful for insuring dependents.

Travelling internationally requires more coverage than travelling to another province, and is usually more expensive. If you go somewhere with a travel advisory, travel insurance may be more expensive still.

The cost of your trip is the amount to be reimbursed should you need to cancel or interrupt anything, and can affect the cost of your policy.

Higher deductibles mean lower premiums, but also that you’ll pay more out of pocket if you make a claim.

You may choose to add booster coverage to your policy if you know you’ll be engaging in any type of hazardous sport or activity. Certain activities like skydiving, rock climbing, wake boarding and parasailing are excluded from conventional travel insurance packages unless you specifically upgrade your coverage.

The different types of travel insurance

A good travel insurance policy covers more than you think. Below, you can learn about your plan and what you can expect from your coverage. Remember, if you have any questions about travel insurance specifics, you can always ask one of our Insurance Hunters!

If you cancel your travel plans without trip cancellation coverage, you’re on the hook for the money you've already spent on things like flights, hotel rooms and other reservations.

Here are some of the expenses trip cancellation covers:

  • Plane tickets
  • Cruise fares
  • Hotel rooms
  • Charter fishing boats
  • Golf fees
  • Many other types of prepaid reservations!

If you need to suddenly get back home while you're travelling, trip interruption coverage will reimburse you for the part of your trip you didn’t take, along with any added expenses for transportation home.

Covered expenses include:

  • Return flight home
  • Transportation to your residence
  • Lodging and meal expenses

Common reasons for trip cancellation or interruption that are covered by most insurance plans include:

  • Health issues or illness
  • Death in the family
  • Damages to your destination from extreme weather or natural disaster
  • Political instability in your destination
  • Flight cancellation

Even the best-laid plans can head south if you run into medical trouble. Luckily, travel insurance covers a wide range of medical expenses for Canadians. It's a good thing, too; provincial health plans usually provide little to no coverage if you're out of the country.

Medical coverage includes:

  • Physician appointments
  • X-rays, scans and other diagnostic procedures
  • Medications related to a covered condition
  • Hospital stays and emergency care
  • Emergency dental procedures

If you have to flee your destination, emergency evacuation coverage will cover the costs related to airlifts, specially-equipped flights back home, and/or ground transportation to a hospital.

Reimburses you for personal belongings that are lost, stolen or damaged. It will also pay for essential items like personal hygiene products and new clothing if your bags are separated from you.

If your flight is delayed and you need to stay overnight or buy additional meals, this coverage will pay your expenses for hotels, food and transportation to and from the airport.

When something unexpected happens, travel insurance companies usually provides 24/7 support. Your agent can help you in any number of ways:

  • Re-book cancelled flights
  • Provide assistance for passport replacement
  • Help replace stolen or lost baggage
  • Find the nearest hospital if needed
  • Help arrange transportation to medical facility
  • Help arrange medical treatment
  • Help arrange transportation home
  • Find an interpreter to help with language barriers
  • Supply prescription replacement in an emergency

How do I prepare for a travel insurance claim?

When it comes time to file a travel insurance claim, the number one rule is to talk to your insurer first (and keep talking to them throughout the entire process). They will advise you on the proper steps you need to take to get reimbursed and will also provide the necessary ongoing support you might need to get through your claim.

Keep all invoices, bills and receipts related to your trip so that you can submit them to your insurer upon request.

How do I make a claim?

  • If you need to make a travel claim, whether it's a medical expense, trip cancellation, or other, call the insurer as soon as possible to avoid a denied claim. If you wait too long to call, you may be out of luck.
  • If you need to interrupt your trip, call your insurer to understand your options and make sure you’re covered.
  • Your insurance provider will guide you through the proper claims process and provide you with the appropriate claims forms.

Am I legally required to have travel insurance?

Some countries, like Cuba, require visitors to have travel insurance coverage before they land. For the vast majority of destinations, though, travel insurance is optional. But because travel insurance is relatively cheap, and because travel is expensive - especially if you wind up with medical bills in a country with privatized health care - it is always advisable to protect yourself from the unexpected.

How can I get cheap travel insurance?

Travelling can be expensive. That’s why it’s important to save where you can. But rather than cutting out cool attractions or great dining experiences, why not save on something boring, like insurance?

A lot of travellers get travel insurance from their bank. While this is easy and quick, it doesn't always result in the best deal. Saving on your insurance costs can be as easy as getting a quote from a third party, and weighing it against your bank's offer.

Though travel insurance usually accounts for just a small portion of the cost of a trip, it’s an easy place to start saving. And the best part is, getting a quote from us takes just a few minutes. Provide us with some basic information and we'll show you whether you can knock a little bit off the price tag for your trip.