Comments on: Canada Travel Insurance Review Travel. Tech. Family. Fun. Sat, 10 Feb 2018 04:38:04 +0000 hourly 1 By: Kevin L Tue, 23 Jan 2018 23:13:50 +0000 Excellent Article. I ended up using TUGO as a direct result of this article and saved $160 over using my regular RBC travel insurance, so thank you very much. TUGO worked best for us as we only needed the travel medical. All else such as travel accident, travel cancellation is covered because I purchased my tickets with my RBC credit card. If I needed everything, I think I would have gone with Nomads

By: lorin Sun, 07 Jan 2018 20:41:20 +0000 Thanks much! Used your link to and decided on Tugo. Much appreciate your efforts in this site!

By: Gowri Mon, 17 Jul 2017 12:24:18 +0000 Very wealthy information. And those key points in which you had mentioned is very useful and also some valid points too. Really nice thank you so much

By: Charles Kosman Sat, 29 Apr 2017 02:37:42 +0000 Hi Kevin, that’s the million dollar question these days since the vast majority of Canadian travel insurance policies require 2 things. The first is that you maintain your provincial healthcare and the second is that the trip commences in Canada.

In that sense, World Nomads is great. Though they still require you to maintain your Canadian healthcare, you can actually purchase their travel insurance after you’ve left Canada. I’m not 100% positive but I do believe they only allow 1 year trips so I’m guessing that’s the quandary you’re in.

If you haven’t left Canada yet, you should look into Travelcuts. They’re about the only company I can think of that offers travel insurance for Canadians for trips longer than a year. We actually used them for our first year long RTW way back in the day and they were good to deal with.

If you’re already travelling, my only suggestion is to return to Canada for a quick visit and then get another year of coverage with World Nomads or another insurance company. If that’s not possible, you’re last option (besides going without, which I don’t suggest doing) is you need to look into Expat insurance.

The nice thing about Canadian Expatriate travel insurance is you don’t need to maintain your provincial healthcare while you’re gone so if you live in one of the provinces where you have to pay monthly premiums, you can at least save on that. The funny part is that it can actually be cheaper than normal travel insurance and you don’t even need to buy it from a Canadian company.

That said, there are only a few that we know of in Canada at this moment. You can check out this post regarding Expat insurance and the companies that cover it. Unfortunately, you can’t buy any of them online easily so you might need to contact them to see what they can do for you.

Good luck and safe travels.

By: Kevin Ghiglione Fri, 28 Apr 2017 21:22:55 +0000 Hi there Charles and Micki,

Any suggestions on which company would offer an extension after the 1 year is up? I like the World Nomads so that it would cover my gear – but they only do 1 year at a time and I would have to return to Canada to get another year. Thank you for your time.

By: Sarah Chrish Fri, 21 Apr 2017 09:29:18 +0000 These points are very helpful. Thanks for sharing!

By: Darby Johnston Tue, 16 Aug 2016 21:34:11 +0000 Hi there! Thanks for this. First time buying travel insurance and there’s a lot to learn. I’m travelling to India so I’m primarily worried about my belongings (camera, laptop, phone, dive gear) and hospital bills if I get sick. Seems WorldNomads is my best option. Quick question.. Could you elaborate on what you mean when you say:
A lot of Canada travel insurance reviews don’t mention this, but it’s important: If you’re gone for more than six months, ensure you get a written extension from your provincial health care plan (this applies only to Canadians).

What is a ‘written extension’? What is the issue if one hasn’t gotten it?

Thanks in advance for any information!

By: Stacey Jewer Mon, 01 Aug 2016 17:22:05 +0000 So helpful, thank you for this detailed analysis and keeping it up to date!

By: Charles Kosman Fri, 25 Mar 2016 15:54:02 +0000 It really depends on your plan. Some policies will automatically be extended if there are issues and others end on their allotted day regardless of the reason.

I would definitely recommend contacting your insurance provider if your trip gets extended for whatever reason and do it before your policy is over. When it comes to insurance, it’s better to err on the side of caution than to risk not being covered.

By: Jam Thu, 24 Mar 2016 04:17:55 +0000 Very good article.

I just have one confusion.

What if during my date of return say April 1st and for some reason no planes are flying for whatever reason. My medical insurance is only up to April 1st. On April 2nd, I got sick or have an accident, will I be covered?