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People assume Canada is a low-risk, low-cost version of the USA for travel insurance. On healthcare cost, it is closer to its neighbour than to Europe, and there is no reciprocal agreement to fall back on. The friendly reputation does not extend to the hospital billing.
We arrange travel insurance for Canada with the medical limits a North American trip needs, plus the winter sports and working-holiday cover Canadian trips so often involve.
Because Canada has no reciprocal healthcare agreement with the UK, and private medical treatment there is expensive, closer to US levels than European ones. A serious medical event needing repatriation across the Atlantic is a major cost: repatriation figures from North America run into six figures. A low medical limit does not stretch to a Canadian claim.
Only if you add winter sports cover. Canada is one of the world’s great ski destinations, and skiing, snowboarding and related activities are excluded from most standard policies. Off-piste skiing in particular is often excluded even from winter sports add-ons unless specified. Our winter sports travel insurance covers the slopes. Tell us what you plan to do and we will build it in.
Declare them, as you would for any trip with high potential medical costs. Our travel insurance for pre-existing medical conditions page explains how we place cover so it holds when you claim.
Send us a message and our team will be in touch to help arrange your cover. We will take the time to understand where you are going and match the policy to your trip.
No. There is no reciprocal agreement, and Canadian private medical treatment is expensive, so travel insurance with a high medical limit is essential.
Only with winter sports cover added. Skiing and snowboarding are excluded from most standard policies, and off-piste often needs to be specified separately.
Yes. The IEC programme requires medical insurance for the full duration of your stay, and you can be refused entry without proof of cover for the whole period.
A high limit, closer to what you would choose for the USA than for Europe, because Canadian private treatment and trans-Atlantic repatriation are costly.
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