Canada travel insurance

Scratch that travel itch and immerse yourself in the Canadian experience, taking comfort in the fact that you’ve chosen a suitable travel insurance policy. Whether you’re cheering at a hockey game in Toronto, skiing the powdery trails near Vancouver or practising your French in Montréal, with Australia Post's travel insurance, you can explore the breathtaking expanses of Canada knowing that coverage is in place for certain unforeseen events.

Do you need travel insurance for Canada?

Travel insurance may provide an important contingency against unexpected events during your travels in Canada. Unlike other Commonwealth countries such as the UK, Australia and Canada don't have a reciprocal health care agreement. Therefore, travel insurance that can cover medical costs can be very beneficial to avoid turning your dream vacation into a financial nightmare. 

What to consider when purchasing travel insurance for Canada

Local conditions

Canada’s vastness means that weather, cultural events and local conditions vary greatly. Staying informed about the specific areas you plan to visit is vital. Check government websites such as Smartraveller.gov.au and local news sources for the latest updates on extreme weather conditions and any other factors that might impact your travel plans.

Planned activities

Canada offers a range of activities, from urban exploration to adventure and snow sports. Ensure your insurance covers the specific activities you plan to engage in. For instance, if you’re going skiing in British Columbia or fishing in Nova Scotia, check if these activities are covered or if you need additional insurance. If you plan on participating in winter sports, make sure you tell us when completing your quote to include the cover variation in your policy.

You’ll be pleased to know that any of our international comprehensive plans or international basic plans automatically cover a range of popular water sports—at no extra cost. These include:

• jet boating
• jet skiing
• kayaking
• parasailing
• surfing
• white water rafting

Keep in mind that your participation in these activities is still subject to our ordinary terms and conditions of cover. You can find these in our combined FSG/PDS (PDF 696kB).

Trip cancellations, changes and delays

While the future is unpredictable, Australia Post travel insurance can provide coverage for unexpected trip cancellations, changes and delays caused by certain unforeseen events. Check the Product Disclosure Statement (PDS) for accurate and up-to-date information on the coverage provided by our travel insurance for trip cancellations, changes and delays.

Protect your belongings

Although Canada is generally a safe place to visit, it’s a good idea to have insurance coverage for your belongings. This becomes even more important if you plan to carry expensive equipment like photography gear or sports equipment.

Consider these essential tips to help ensure the safety of your belongings while you travel:

• Be vigilant about your personal belongings, especially in tourist-heavy areas.
• Keep important documents like your passport and travel insurance policy in a secure place.
• Maintain copies of important documents, such as your passport, visa and insurance policy. It's also a good idea to have digital copies accessible online in case of loss or theft.
• Verify that your policy provides comprehensive coverage for lost, stolen or damaged items. With an Australia Post International Comprehensive policy, you have coverage for theft and loss and can increase the limits of your coverage for a premium.

Medical coverage

Understanding Canada's healthcare system is crucial for international travellers. While Canada provides excellent healthcare, it can be expensive for tourists without appropriate insurance coverage. Keep in mind while hitting the slopes that medical and dental coverage accounts for nearly a third of all international claims, making it an important addition to travel involving winter sports.

Make sure that your policy includes medical expenses cover. Confirming this will help determine whether you have comprehensive coverage for emergency medical situations, including necessary medical care and treatment, mitigating the potential burden of medical bills.

When it comes to pre-existing medical conditions, be aware of what is covered and any exclusions that may apply. You can find more information by referring to our PDS.

With every policy you take out with us, you’ll have access to our Virtual Care Services. This means that no matter where you are, or what time it is, if it is deemed appropriate by our emergency assistance team, we can put you in contact with an Australian-based GP for their expert medical help over the phone. This can be handy if you come down with an unexpected illness and require medical assistance or advice.

Travel tips for travelling through Canada

Embracing cultural sensitivity

Canada's multicultural fabric means that you'll encounter diverse cultures and customs. Respecting these differences and being culturally sensitive is a must. As with any travel, it’s important to remain considerate of locals and your fellow travellers.

Navigating tipping culture

As in the United States, tipping is customary in Canada, and understanding this aspect of the culture is important. In restaurants, bars and taxis, a tip of 15-20% is standard and expected for good service.

Preparing for health and safety

Consult your doctor for health advice and vaccinations before travelling. It's also advisable to carry a basic first-aid kit and any personal medications you might need.

As you embark on your Canadian adventure and experience this stunning country firsthand, it's worthwhile to consider the benefits of having suitable travel insurance so you can focus on enjoying the trip of a lifetime. For detailed information about coverage, terms, and conditions, always refer to the PDS of your chosen insurance policy.