Quote, advice, and policy-placement services on this page are provided by KLC Group Canada Inc., an independent Ontario-based life insurance advisory firm licensed under FSRA, in partnership with TopRates.ca. KLC Group's advisors hold LLQP credentials and are authorized to provide personalized recommendations and place coverage in life insurance, accident & sickness coverage (critical illness, disability, travel medical), and insurance-based investment products (segregated funds, annuities, GIAs). Educational content on this page is reviewed by KLC Group's licensed advisors. To talk to a licensed advisor about your situation, complete the form on this page or book a call.
Single trip, multi-trip, or visitors to Canada.
Most travellers are over-insured on one trip and under-insured on the next. Here’s how to know which plan fits.
Single trip
One trip, one premium. Covers emergency medical, trip cancellation, baggage, and trip interruption. The right choice when you travel once or twice a year.
- ✓Emergency medical (typical Canadian policies cover into the millions)
- ✓Trip cancellation and interruption
- ✓Lost or delayed baggage
- ✓Adventure-sport riders available
Annual multi-trip
One annual premium covers every trip within a year. Each trip is capped at a defined length (often 15–60 days). The right choice for travellers taking 3+ trips a year.
- ✓One annual premium covers every trip
- ✓Standard per-trip length cap; extendable
- ✓Coverage typically extends to spouse and dependants
- ✓Best value when you travel often
Visitors to Canada
For non-residents visiting Canada — including Super Visa applicants who must show insurance as part of the visa process. Covers emergency medical while in Canada.
- ✓For non-residents visiting Canada
- ✓Required for Super Visa applications
- ✓Emergency medical coverage in Canada
- ✓Stable pre-existing conditions often covered
Is your credit-card coverage enough?
Premium credit cards advertise travel insurance, but when you read the fine print the gaps are wider than most travellers realize. Here are the patterns that show up most often.
Common credit-card travel coverage
Most premium cards include emergency medical, but only for the first 15–21 days of a trip. Longer trips need standalone coverage for the remainder.
Many cards cap cancellation around $1,500/person — a single international flight already exceeds that for most destinations.
Default credit-card travel coverage typically excludes pre-existing conditions, even stable ones. Standalone policies have explicit "stable period" rules.
Coverage often ends or drops sharply past age 60 or 65 — exactly when emergency medical is most likely to be needed.
Skiing, scuba, motorbike rentals, and some hiking activities are commonly excluded on major Canadian cards. Adventure-sport riders are sold separately.
Common questions.
Do I need travel insurance if my credit card covers me?
It depends on the trip length, your age, and the card. Most premium cards cover the first 15–21 days of a trip; pre-existing conditions and adventure sports are commonly excluded. Read the card’s certificate of insurance (search the issuer’s site) before relying on it.
What does "stable pre-existing" mean?
Most policies require any pre-existing condition to be "stable" for a defined period before the trip — typically 90 or 180 days. "Stable" generally means no new symptoms, no medication change, and no specialist consultation for that condition in the window. The certificate spells out the exact rule.
Can I get travel insurance after I leave?
Most policies must be purchased before departure. A few carriers offer post-departure plans but at higher premiums and with stricter pre-existing exclusions. Buy before you go.
How does TopRates make money on travel insurance?
Insurance inquiries through TopRates.ca are referred to KLC Group Canada Inc., a licensed LLQP advisory firm. Webhub4u Inc. (operator of TopRates.ca) receives a per-referral fee from KLC. Carrier commissions go to KLC’s licensed advisors. See /legal.
Get a travel quote.
Send us a note with your trip and we’ll route the inquiry to KLC Group Canada Inc.’s LLQP-licensed advisors. Reply within one business day.