TRAVEL/HEALTH INSURANCE
Whether you're a Canadian traveling abroad or a visitor entering Canada, travel insurance isn’t just an option — it’s a necessity. From unexpected medical emergencies to trip cancellations, travel health insurance offers essential protection when you’re far from home. In 2025, the landscape of international travel is evolving rapidly, with post-pandemic health concerns, increased travel disruptions, and rising medical costs making travel insurance more critical than ever.
What is Travel Insurance?
Travel insurance is a financial safety net that covers risks associated with travel, such as medical emergencies, trip interruptions, lost luggage, and evacuation costs. For travelers entering or leaving Canada, it bridges the gap between your home health care and the often expensive medical systems abroad.
Types of Travel Insurance:
| Type | What It Covers |
| Emergency Medical Insurance | Hospital visits, surgeries, ambulance, and prescription drugs |
| Trip Cancellation & Interruption | Non-refundable bookings, flight delays, family emergencies |
| Baggage Insurance | Lost, stolen, or delayed baggage compensation |
| Accidental Death & Dismemberment (AD&D) | Serious injury or loss of life while traveling |
| Evacuation Insurance | Emergency transport for medical or political reasons |
Travel Insurance For Canadians & Non-Canadians
PAIC offers Travel insurance for all Canadian residents as well as people from all over the world. The company provides this service under the guidance of Charlotte Campion , a renowned authorized travel insurance consultant. Charlotte is a bilingual travel insurance consultant and holds the LLQP license. She has experience in assisting hundreds of people in their travel/health insurance process.
Why is Travel Insurance Important?
When planning a trip, one of the most significant purchases a traveler can make is travel insurance. Travel insurance is essential while traveling overseas because of the wide range of dangers it covers. A Travel Insurance coverage often covers medical risks, travel risks, and aircraft disruptions. Here are some reasons why you should consider getting travel insurance before traveling abroad:
- It protects you at the time of a medical emergency: Any Travel Insurance company covers medical treatment up to a specific limit. These policies make no distinction between different sorts of medical emergencies. It could be any form of medical or accident care, and the insurance company will cover expenses up to a certain amount.
- It protects you from the possible travel risks: Loss of passport and personal belongings coverage, loss of checked baggage coverage, and other dangers are covered under travel insurance. Coverage of these risks adds an extra layer of protection against financial loss. Moreover, If your flight gets canceled for any reason (as per the coverage terms and conditions), you will be compensated up to a certain amount if you have Travel Insurance.
Why Travel Insurance Matters in 2025
Rising Global Healthcare Costs
Hospital stays can cost:
- USA : $8,000 – $15,000 per day
- Europe : €600 – €3,000 per day
- Canada (for visitors) : CAD $1,000 – $5,000 per visit (non-residents)
Without proper coverage, a single emergency can wipe out your savings.
Pandemic & Health Risks
COVID-19 and new viral outbreaks (as noted by CDC Travel Health Notices ) have shown that unforeseen health risks can affect travel plans and finances drastically. Many policies now include pandemic coverage , quarantine costs, and trip rescheduling.
Mandatory in Many Countries
Several countries, including Schengen states , Thailand , United Arab Emirates , and Cuba , require proof of valid travel health insurance for visa issuance.
2024–2025 Travel Insurance Updates
Pandemic Coverage Expanded:
Many policies now include quarantine coverage, test reimbursements, and medical evacuation due to viral outbreaks.
Digital Claims Process:
Insurers now allow app-based claim filing, e-document uploads, and 24/7 chat support for emergencies.
Dynamic Pricing Models:
AI is being used to calculate premiums based on travel destination, trip duration, and traveler profile in real-time.
Coverage for Adventure Travel:
Providers now offer optional packages for high-risk activities like skiing, diving, or trekking.
Categories Covered Under The Program
Our travel insurance program covers the following categories:
- Newcomers to Canada –New Canadian who must wait to get benefits under the Canadian Government Health Insurance Plan
- Candidates who are eligible for Super Visa Program
- Foreign Workers (employer/employees)
- Live-in Caregivers
- Candidates holding a Visitor Visa
- International students
- Returning Canadian Citizens.
Benefits Offered Under PAIC Travel Insurance Program:
Under the Travel Insurance Program offered by PAIC, the candidates’ experience get various benefits , that include:
- Reasonable Charges : The charges for the Program are very reasonable according to the standard market prices.
- Unbiased Assistance : The candidates receive proper and impartial counseling and constructive advice regarding their travel insurance process.
- Excellent Customer Service : Our clients receive dedicated assistance throughout the procedure. Our customer service team is always available for help.
Best Travel Insurance Providers in Canada (2025)
- Manulife Travel Insurance
- Blue Cross Canada
- Allianz Global Assistance
- TD Insurance
- World Nomads (popular for adventure travelers)
What to Look For:
- $1 million+ emergency medical coverage
- Pre-existing condition coverage
- 24/7 global support
- Direct hospital billing
Best Insurance Providers for Non-Canadians:
| Provider | Notable Features |
| Visitors to Canada Insurance by Allianz | Great for tourists and family visits |
| Ingle International | Customizable packages for all traveler types |
| Tugo | Super Visa and student insurance packages |
| Manulife | Offers Super Visa and emergency coverage |
| Blue Cross | Coverage for students, workers, and tourists |
Health Insurance for Non-Canadians Visiting Canada
Who Needs It?
- Tourists
- International students
- Temporary foreign workers
- Super Visa applicants
- New permanent residents (before provincial coverage begins)
How to Choose the Right Travel/Health Insurance Plan
Step-by-Step:
-
Define Your Travel Type
Leisure, business, study, long-term stay, or multi-country
-
Check Visa Requirements
Some visas require proof of specific coverage types
-
Consider Your Medical History
Look for pre-existing condition clauses and exclusions
-
Compare Coverage Limits & Deductibles
Higher coverage and lower deductibles offer better protection
-
Review What’s Excluded
Adventure sports, pandemics, mental health may need add-ons
-
Read the Fine Print
Cancellation rules, refund eligibility, and claim procedures
Common Mistakes to Avoid
- Assuming your credit card insurance is enough
- Not declaring pre-existing conditions
- Overlooking deductibles and claim limits
- Delaying purchase until after departure
- Not checking hospital networks abroad
Conclusion: Don’t Travel Without It
In 2025, travel and health insurance aren’t optional — it’s essential. Whether you're a Canadian exploring the world or a visitor stepping into Canada, securing the right insurance plan safeguards your finances, health, and peace of mind.
Take action today : Compare plans, read the fine print, and never leave home without coverage. For a worry-free travel experience, make travel insurance your most trusted companion.
Pro Tips
- Buy insurance the same day you book your flight for cancellation benefits.
- Keep digital and printed copies of your policy and emergency contacts.
- Use mobile apps from providers for fast claims and location-based support.
- Confirm hospital network coverage before traveling to remote areas.
Resources & Where to Get Help
- Travel.gc.ca – Insurance Guidelines
- State.gov – U.S. Travel Advisories
- IRCC – Super Visa Requirements
- CDC Travel Health Notices
Frequently Asked Questions
Yes. Provincial plans do not cover medical emergencies abroad, including ambulance, hospital, or prescription.
Some companies offer post-departure plans, but premiums are higher and coverage is limited. Buy in advance.
Look for providers like Guard.me, Tugo, and Blue Cross that offer plans tailored to student visas
Most U.S. health plans don’t offer full coverage in Canada. Buy a supplemental travel insurance plan.
Not for all travelers, but it is mandatory for Super Visa holders and highly recommended for tourists.
Message from our RCIC
Paul Abraham
Regulated Canadian Immigration Consultant (RCIC)
License No. R406367
Halifax, Nova Scotia, Canada
Our RCIC, Paul Abraham, has years of experience and expertise in guiding individuals from around the globe, about Canada Permanent Residency. He has been delivering honest world-class Canadian Immigration Services for many years. PAIC offers a promising range of Immigration support and services under the expert supervision and leadership of our RCIC, Paul Abraham, and we will provide world class expert immigration analysts. PAIC is ready and able to cater to the individual needs of our clients and with dedicated ethical, honest, and professional practice.
