Travel insurance in Ontario: costs, plans, and how to choose
Ontarians need travel insurance because OHIP pays little or nothing for emergency care outside the province — and almost nothing outside Canada. The right plan depends on your trip: emergency medical for going abroad, trip cancellation to protect prepaid costs, snowbird / annual plans for long or frequent trips, and Visitors to Canada or Super Visa coverage for parents and grandparents. TripCovered is a licensed Ontario service that matches you to the right plan and takes you to secure checkout — at the same price as buying direct.
How much does travel insurance cost in Ontario?
Price depends on your age, trip length, destination and coverage amount. The figures below are conservative ceilings — you’ll typically pay this or less, with your exact premium confirmed at secure checkout.
| Coverage | Example traveller | Typically under |
|---|---|---|
| Emergency medical — 1-week trip abroad | Traveller age 40 | $80 |
| Emergency medical — 1-week trip abroad | Traveller age 70 | $280 |
| Snowbird — 5 months in the U.S. | Traveller age 68 | $4,500 |
| Trip cancellation | On a $4,000 prepaid trip | $475 |
| Visitors to Canada — 1 month | Visitor age 65 | $280 |
| Super Visa — 365 days, $100k | Parent age 65 | $2,900 / year |
Illustrative estimates only — not quotes. No carrier premium is represented as fact. Try the Super Visa cost estimator →
Which travel insurance is right for your trip?
Snowbirds & long-stay travellers
Extended-duration emergency medical or a multi-trip annual plan — usually cheaper than buying single-trip coverage each winter.
See coverage →Families & vacationers
Emergency medical plus trip cancellation protects both your health and the money you prepaid on flights and hotels.
See coverage →Parents & grandparents visiting
Visitors to Canada insurance, or Super Visa insurance that meets IRCC’s $100,000 / 365-day rule.
See coverage →Students
Coverage built for the length of a study term — Canadians abroad and international students in Ontario.
See coverage →Frequent & business travellers
A multi-trip annual plan covers every trip you take in the year from the moment you leave.
See coverage →Why OHIP isn’t enough
Ontario’s public health plan reimburses only a small, fixed amount for emergency care in other provinces, and next to nothing abroad — and it never pays hospitals up front. A single emergency overseas can run into tens of thousands of dollars. Travel insurance pays providers directly, backs you with 24/7 assistance, and closes the gap OHIP leaves.
Buying through TripCovered
You pay exactly the same price as going direct to the insurer. The difference is a licensed Ontario service that matches you to the right plan, guides for newcomer families in eight languages, and a real person to reach if something goes wrong. See how we work and how we’re paid →
Get matched & covered
Ontario travel insurance — frequently asked questions
How much does travel insurance cost in Ontario?
For a healthy adult under 60, emergency medical coverage for a one-week trip abroad is typically under about $80. Price rises with age, trip length and destination (the U.S. costs more). Super Visa insurance for a parent aged 65 is typically under about $2,900 per year for $100,000 of coverage. These are conservative Ontario estimates; your exact premium is confirmed at secure checkout and is usually lower.
Does OHIP cover me when I travel outside Ontario or Canada?
Barely. OHIP pays little or nothing toward emergency hospital and medical care outside Ontario, and almost nothing outside Canada — and it never pays providers up front. Travel insurance is strongly recommended for any out-of-province or international trip.
What is the best travel insurance in Ontario?
There is no single best plan — the right one depends on your trip. Snowbirds need long-stay or annual emergency medical; vacationers usually want emergency medical plus trip cancellation; parents on a Super Visa need IRCC-compliant 365-day coverage. TripCovered matches you to the plan that fits your trip and age, at the same price as buying direct.
Is travel insurance mandatory for Ontarians?
No — it is not legally required to travel, but it is strongly recommended because of the gap in provincial health coverage abroad. The exception is the Super Visa: applicants are legally required to hold at least $100,000 in emergency medical coverage valid for 365 days from a Canadian insurer.
How much is Super Visa insurance in Ontario?
For a parent or grandparent aged 65, a 365-day IRCC-compliant plan with $100,000 of coverage is typically under about $2,900 per year; at age 70, under about $3,800. Monthly-payment and refund options are available, and your exact price is usually lower at checkout. Use the Super Visa cost estimator for a figure by age.
Can visitors to Ontario get health insurance?
Yes. Visitors to Canada are not covered by OHIP, so Visitors to Canada insurance provides emergency medical protection for tourists, parents and grandparents. It can usually be purchased before or after arrival, though a waiting period may apply if bought after arrival.
When should I buy travel insurance?
Buy emergency medical coverage before you leave — most plans cannot be purchased once your trip has started. Buy trip cancellation as soon as you book and prepay, so your non-refundable costs are protected from that day forward.
Does travel insurance cover pre-existing conditions?
It can, through a "stability period" — your condition must have been stable for a set number of days before departure. The required stability window depends on the plan and your age. Travellers 60+ usually complete a short medical questionnaire that sets the price but does not affect eligibility.
TripCovered is a licensed insurance referral service operating in Ontario. Insurance is administered by North American Air Travel Insurance Agents Ltd., doing business as TuGo®, a licensed insurance broker in all provinces and territories. The issuer of the contract is Industrial Alliance Insurance and Financial Services Inc. and Industrial Alliance Pacific General Insurance Corporation. Coverage is subject to the terms, conditions, limitations and exclusions of the policy. This website provides general information only and is not a contract of insurance. Always read your policy wording before you travel. TripCovered supports the Travel Health Insurance Association (THIA) Travel Insurance Bill of Rights and Responsibilities.