Travel Insurance
Travel with Confidence
For visitors coming to Ontario, and Ontario residents travelling abroad — comparing over 20 financial service providers
Insurance services are provided through CUCULINK INC. and its licensed insurance representative(s).
What Does Travel Insurance Cover?
Emergency Medical
Hospital stays, doctor visits, ambulance, and emergency treatment abroad
Trip Cancellation
Reimbursement if you must cancel or interrupt your trip due to covered reasons
Baggage Loss
Coverage for lost, stolen, or delayed baggage and personal belongings
Super Visa Insurance
Mandatory medical insurance for parents and grandparents visiting on a Super Visa
Comprehensive Insurance Solutions Available
Tailored plans for every situation — visitors, residents, students, and travellers
Visitors to Canada & Super Visa
For visiting parents, grandparents, tourists, and newly landed immigrants
- ✓Coverage limits: $25,000 – $300,000 CAD
- ✓Emergency hospital, physician fees, diagnostics, prescriptions & ambulance
- ✓Super Visa compliant — flexible monthly payment plans available
- ✓Options to cover stable pre-existing conditions
Travelling Canadians & Expats
For residents leaving their home province or travelling internationally, and Canadians living abroad
- ✓Up to $5,000,000 – $10,000,000 CAD emergency medical
- ✓Air ambulance evacuation, vehicle return & bedside family travel
- ✓Expat worldwide plans for Canadians working or residing abroad long-term
International & Domestic Students
For international students studying in Canada or Canadian students studying out-of-province or abroad
- ✓Up to $2,000,000 CAD in medical protection
- ✓Emergency medical, mental health, routine physicals & eye exams
- ✓Trauma counselling & tutorial fees during extended hospital stays
Trip Cancellation & Baggage
Reimburses non-refundable prepaid travel expenses if your trip is cancelled or interrupted
- ✓Trip cancellation & interruption due to medical emergencies or travel advisories
- ✓Lost, stolen, or delayed baggage & personal belongings
- ✓Rental car physical damage coverage
The Danger of Going Uninsured
Travelling without specialized travel insurance leaves you exposed to severe financial risk. Standard government health plans and credit cards rarely offer complete protection once you cross provincial or national borders.
Out-of-Pocket Hospital Bills
Emergency room visits, inpatient stays, and diagnostic testing for non-residents routinely cost $3,000 – $10,000+ per day.
Intensive care, complex surgeries, and specialist fees can quickly reach tens or hundreds of thousands of dollars.
Astronomical Evacuation Costs
If an illness or injury requires emergency air ambulance transportation back home or to a major hospital centre, medical repatriation can easily exceed $50,000 – $100,000+.
The Credit Card Coverage Myth
Relying solely on credit card travel insurance leaves critical gaps:
- Low maximum coverage limits that fail to cover major emergencies
- Strict trip duration caps — often 15 to 21 days maximum
- Severe exclusions or zero coverage for pre-existing conditions
- Age limits that exclude older family members or parents
Immigration & Legal Compliance
For Super Visa applicants, international students, and foreign workers, maintaining compliant, continuous medical coverage is a mandatory legal requirement to enter and remain in Canada.
Coverage Details Vary by Provider — Please Read Before Applying
Not all travel insurance plans include the same benefits. Coverage for baggage loss or delay, trip cancellation, and travel disruption may be included in some plans but not others. Emergency medical coverage is standard, but optional add-ons and exclusions differ between providers.
Before submitting your application, you are responsible for reviewing the full policy wording provided by the insurer. Downloadable policy documents are available directly on the insurer's application page after you are redirected.
What OHIP Covers — and What It Doesn't
Your Ontario health card protects you at home, but its coverage outside Ontario — and especially outside Canada — is very limited. Here's what you need to know before you travel.
What OHIP Covers in Other Provinces
- ✓Physician services and walk-in clinic visits (if medically necessary)
- ✓Public hospital services (emergency, diagnostic, laboratory)
- ✓Reimbursement is calculated at Ontario's physician rates — not the out-of-province rate
Important: OHIP reimburses at Ontario rates only. If the out-of-province doctor charges more, you pay the difference out of pocket.
What OHIP Does NOT Cover — Even in Canada
- ✗Ambulance services (transport and paramedics)
- ✗Prescription drugs dispensed outside a hospital
- ✗Home-care services
- ✗Private hospital or facility fees
- ✗Diagnostic or lab services outside a public hospital
- ✗Long-term care or residential services
- ✗Assistive devices (e.g. prosthetics)
- ✗Cosmetic surgery and services not covered in Ontario
The 7-Month Rule
If you will be outside Ontario for more than 7 out of 12 months, you must contact ServiceOntario before leaving to confirm your coverage status.
Students in Other Provinces
To keep OHIP while studying full-time elsewhere in Canada, you must prove you lived in Ontario for at least 5 of the 12 months immediately before leaving.
Outside Canada Entirely
OHIP coverage outside Canada is virtually non-existent. Private travel insurance is essential for any international trip — a medical emergency abroad can cost tens of thousands of dollars.
Official source: ontario.ca — OHIP coverage outside Ontario — Government of Ontario, last updated May 2024
Choose Your Provider and Apply Directly
Two providers available for instant online application — click the button for your preferred provider
Emergency medical insurance for visitors coming to Ontario and Ontario residents travelling abroad — plan does not include trip cancellation or baggage loss.
Apply NowFree — no obligationComprehensive travel insurance from TuGo — covers emergency medical, trip cancellation, and baggage loss. Available for visitors and Ontario residents travelling abroad.
Apply NowFree — no obligationOnline application available September 2026 — email us for a quote
Need help choosing the right plan?
Email usImportant Insurance Information
Insurance products are subject to eligibility and underwriting requirements and to the terms, conditions, limitations and exclusions of the applicable policy or contract.
Clients should review the complete policy wording and related documents carefully before purchasing coverage for full details of benefits, limitations, exclusions and conditions.
The information provided on this page is for general educational and informational purposes only and does not constitute a contract of insurance or a guarantee of coverage.
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