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Oct 30, 2025
From hiking in British Columbia and skiing in Quebec to basking on the beaches of Prince Edward Island, Canada offers countless travel experiences for every type of adventurer. According to a recent TD Insurance survey, 73% of Canadians plan to travel for pleasure over the next year, with half planning domestic trips outside their home province or territory.
However, many travellers overlook a critical part of trip planning: travel insurance.
The survey found that only 51% of Canadians travelling domestically outside their home province plan to purchase travel insurance, and just 42% plan to buy emergency travel medical coverage. Let’s explore why travel insurance is essential for Canadians and how to make sure your next domestic trip is fully protected.
The top reason Canadians skip travel medical insurance? 44% believe they are already covered by their provincial or territorial health plan. While these plans provide some coverage for certain medical services outside your home province, they often don’t cover all expenses in an emergency.
For example:
If you’re from Ontario and require a ground ambulance in Nova Scotia, OHIP won’t cover it—and without private coverage, it could cost over $700.
Emergency prescriptions or medications needed while travelling can also lead to unexpected out-of-pocket expenses.
Other Canadians assume coverage through:
Employer health plans (36%)
Credit card travel benefits (25%)
While these can provide some protection, coverage may not be sufficient for the entire trip duration, total costs, or medical emergencies.
Key takeaway: Don’t assume you’re fully covered—verify your coverage before travelling.
Travel insurance isn’t just for international trips. Even domestic travel across Canada carries risks:
Accidents, injuries, or sudden illness.
Trip cancellations or interruptions due to unforeseen events.
Lost or delayed luggage.
Before your next adventure, check:
Whether your employer or credit card coverage applies to your trip.
If coverage limits are sufficient for your destination and length of travel.
Whether additional top-up insurance is needed.
At Insure Me Right, we help Canadians identify gaps in their existing coverage and select the right plan for their travel needs.
Assess your current coverage from employers, credit cards, or existing insurance policies.
Purchase additional travel insurance if needed—ideally when booking your trip, so you have all the travel details handy.
Many insurers, including Insure Me Right, offer online tools to compare travel insurance packages and check for coverage gaps.
These tools make it easier to find a plan that fits your trip duration, medical needs, and budget.
Consider single-trip or annual multi-trip coverage depending on your travel frequency.
Look for coverage including:
Emergency medical coverage
Trip cancellation or interruption
Baggage loss or delay
Travel delays
Canada’s vast geography means that even domestic travel can be long and unpredictable. Having the right travel insurance in place helps you travel with confidence, knowing that unexpected events won’t derail your plans or your finances.
Travel insurance gives Canadians peace of mind. Whether you’re skiing in the Rockies, hiking in the Maritimes, or exploring urban centres like Toronto or Vancouver:
Medical emergencies can happen anywhere, and provincial health plans may not cover all costs.
Trip cancellations or delays can be expensive without coverage.
Lost or stolen luggage can ruin your trip—but travel insurance protects your wallet.
Anthony Ricci, Associate Vice President at TD Insurance, emphasizes:
“Planning for the unexpected is just as important as planning your trip. Make sure your coverage meets your unique travel needs.”
At Insure Me Right, we make travel insurance simple for Canadians:
Compare plans from top insurers to find the best coverage for your trip.
Get personalized recommendations based on your travel style, duration, and medical needs.
Purchase online quickly and securely, so you can focus on enjoying your vacation.
No matter where you travel in Canada—or abroad—Insure Me Right ensures you’re covered when it matters most.
Traveling across Canada is exciting, but unexpected events can happen anytime. Don’t leave your health and finances to chance—pack travel insurance with your bags.
By checking your coverage, exploring your options, and purchasing the right plan, you can enjoy your Canadian adventures with confidence and peace of mind.
Get your travel insurance today with Insure Me Right and travel smart, safe, and stress-free.
At Insure Me Right, our goal is to provide you with the right coverage, excellent service, and honest advice. We will discuss with you to understand your needs and budget.
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