Canada travel insurance estimator
Free Canada travel insurance calculator. Estimate your annual multi-trip premium from age, destination, trip length and cover — emergency medical core, instant and private.
How to use
- Enter your age and trip length. Add your age and the longest single trip you take. Older travellers and longer trips raise the estimate.
- Choose your destination. Pick within Canada, the USA, or worldwide. Trips to the USA cost the most because medical bills there are so high.
- Set your cover level. Choose basic, standard or comprehensive cover. Higher emergency medical limits and more benefits raise the premium.
- Review your estimate. See your estimated annual multi-trip premium in $, the typical range, and each factor's contribution.
Features
- Annual multi-trip model. Prices a policy covering all your trips for a year up to a per-trip day limit, with single-trip noted separately.
- Emergency medical core. Reflects that provincial health plans barely cover you abroad, so emergency medical cover is the heart of the policy.
- USA-aware pricing. Compares Canada, USA and worldwide destinations, since trips to the USA are the most expensive to insure.
- Annual estimate with a range. A point estimate plus a low–high band in $, because premiums vary by insurer and traveller.
- 100% private. All maths runs in your browser. Your details are never uploaded, stored or shared.
When to use it
- Deciding whether an annual policy beats several single-trip ones
- Estimating cover before a year of frequent travel
- Comparing the cost of insuring US versus other trips
- Seeing how age and trip length change the premium
- Budgeting travel cover before booking trips
Is it private?
Every calculation runs in your browser. Your age, trip and destination details are never uploaded, stored or shared.
Frequently asked questions
Is this a real travel insurance quote?
No. It is an educational estimate based on published Canadian averages and standard rating factors. Real prices depend on your age, destinations, health and insurer, so get quotes for exact figures.
Does this price single-trip or annual cover?
It models an annual multi-trip policy that covers all your trips in a year up to a per-trip day limit. Single-trip cover is priced separately and usually costs less for one journey.
Does my provincial health plan cover me abroad?
Only minimally. Provincial plans give little or no coverage once you leave Canada, which is why emergency medical cover is the core of any travel policy.
Why do trips to the USA cost the most to insure?
Medical bills in the USA are extremely high, so insurers charge more to cover trips there. Destination is a major driver of the premium.
Do the rates stay accurate?
Average premiums drift over time, so each estimate shows its data vintage. The underlying rating factors are more stable.
Is my information private?
Yes. Everything runs locally in your browser with no upload, no storage and no sign-up.
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