Travel Insurance for Canada – Coverages, Benefits, and Procedure

Check all the details Indian citizens need to know about buying travel insurance for their trip to Canada.
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3 mins
02 January 2024

Whether pursuing business ventures, academic aspirations, or leisurely escapades, Canada stands as one of the most popular destinations for Indians. While you plan your trip to Canada and list down the exciting experiences you wish to have, it is essential to consider buying travel insurance to tackle any unforeseen situations.

Getting a travel insurance policy before venturing abroad is vital to guarantee financial protection during your absence. This article delves into the specifics of travel insurance for Canada, providing essential insights to ensure you are well-informed before setting out on your travels.

Benefits of having a travel insurance for Canada

Here are some key benefits of having an international travel insurance plan.

  • Get medical coverage: Travel insurance plans offer comprehensive coverage for medical expenses, including hospitalisation, doctor's fees, and medication, ensuring you get quality medical intervention during emergencies.
  • Trip cancellation/ interruption reimbursement: Reimbursement for non-refundable trip expenses due to unforeseen events.
  • Baggage loss/ delay compensation: Get coverage for lost baggage or reimbursement for essentials in case of baggage delay.
  • Emergency evacuation: Many travel insurance plans cover the cost of emergency evacuation to the nearest medical facility.
  • Liability coverage: Protection against legal liabilities arising from accidental damages to third parties.

What is covered under travel insurance?

Here are some common inclusions of travel insurance plans.

  • Medical expenses: Comprehensive coverage for medical treatments, hospitalisation, and emergency medical services.
  • Trip cancellation/ interruption: Reimbursement for non-refundable trip expenses in case of unforeseen events like illness or family emergencies.
  • Emergency medical evacuation: Arrangement and coverage for emergency evacuation to the nearest medical facility.
  • Baggage loss/ delay: Compensation for lost baggage or reimbursement for essentials in case of baggage delay.
  • Personal accident cover: Compensation in case of accidental death or permanent disability during the trip.

What is not covered under travel insurance?

Here are some common exclusions of travel insurance plans.

  • Pre-existing conditions: Medical conditions existing before the commencement of the policy may not be covered.
  • Adventure sports: Injuries sustained while participating in certain adventure sports might not be covered.
  • Intoxication: Incidents related to intoxication or substance abuse may be excluded.
  • Travel against medical advice: Travelling against the advice of a medical practitioner may lead to exclusion.

How to apply for travel insurance online?

To apply for travel insurance online without any hassle, follow these steps:

  • Research and compare: Research various travel insurance plans and compare their coverage, benefits, and costs.
  • Choose an insurance provider: Opt for a reputed insurance provider with positive customer reviews and a good track record.
  • Select the right plan: Choose a plan that aligns with your travel needs, considering factors like trip duration and coverage.
  • Fill out the online application form: Complete the online application form, providing accurate details about your trip and personal information.
  • Make payment online: Pay the required premium online using secure payment gateways.
  • Receive the policy document: Once the application is processed, receive the policy document electronically.

As you prepare for your trip to Canada, make securing travel insurance a top priority. It is not just a legal requirement; it is a guarantee for your financial well-being. The benefits, including health coverage, trip protection, and peace of mind, make travel insurance an indispensable companion for any traveller. Choose the right travel insurance policy by comparing various international travel plans and understanding the terms and conditions. Buy a travel insurance that covers all your needs.

Disclaimer

Insurance is the subject matter of solicitation. *T&C Apply - Bajaj Finance Limited (‘BFL’) is a registered corporate agent of third party insurance products of Bajaj Allianz Life Insurance Company Limited, HDFC Life Insurance Company Limited, Future Generali Life Insurance Company Limited, Bajaj Allianz General Insurance Company Limited, SBI General Insurance Company Limited, ACKO General Insurance Limited, ICICI Lombard General Insurance Company Limited, HDFC ERGO General Insurance Company Limited, Tata AIG General Insurance Company Limited, Niva Bupa Health Insurance Company Limited , Aditya Birla Health Insurance Company Limited, Manipal Cigna Health Insurance Company Limited and Care Health Insurance Company Limited under the IRDAI composite CA registration number CA0101. Please note that, BFL does not underwrite the risk or act as an insurer. Your purchase of an insurance product is purely on a voluntary basis after your exercise of an independent due diligence on the suitability, viability of any insurance product. Any decision to purchase insurance product is solely at your own risk and responsibility and BFL shall not be liable for any loss or damage that any person may suffer, whether directly or indirectly. Please refer insurer's website for Policy Wordings. For more details on risk factors, terms and conditions and exclusions please read the product sales brochure carefully before concluding a sale. Tax benefits applicable if any, will be as per the prevailing tax laws. Tax laws are subject to change. BFL does NOT provide Tax/Investment advisory services. Please consult your advisors before proceeding to purchase an insurance product. Visitors are hereby informed that their information submitted on the website may also be shared with insurers. BFL is also a distributor of other third party products from Assistance Services providers such as CPP Assistance Services Pvt. Ltd., Bajaj Finserv Health Ltd. etc. All product information such as premium, benefits, exclusions, sum insured, value added services, etc. are authentic and solely based on the information received from the respective insurance company or the respective Assistance service provider company.

Note – While we have made all efforts and taken utmost care in gathering precise information about the products, features, benefits, etc. However, BFL cannot be held liable for any direct or indirect damage/loss. We request our customers to conduct their research about these products and refer to the respective product’s sales brochures before concluding their sale.