Best Travel Insurance for Canadians (2026)
Allianz plans for Canadians traveling abroad — from US road trips to European escapes.
Canadian travelers heading outside the country need coverage that matches provincial health gaps. Provincial plans rarely cover hospital bills abroad, and a single ER visit in the US can cost thousands out of pocket. We compared Allianz Global Assistance plans on medical limits, trip interruption, and winter sports coverage for Canadians.
Top 3 plans for Canadians
Compare independently ranked plans across providers — click any card to get a real-time quote.
OneTrip Basic
Entry-level cover for Canadian travelers
- Medical
- CAD 100,000
- Cancel
- CAD 3,000
- Baggage
- CAD 500
- ✓Emergency medical & dental
- ✓24/7 multilingual assistance
- ✓Trip interruption
OneTrip Prime
Best all-round Allianz plan for Canadians
- Medical
- CAD 1,000,000
- Cancel
- CAD 10,000
- Baggage
- CAD 1,500
- ✓Kids 17 & under free
- ✓Trip delay from CAD 800
- ✓Rental car damage included
OneTrip Premier
Highest limits + winter sports built in
- Medical
- CAD 2,000,000
- Cancel
- CAD 25,000
- Baggage
- CAD 2,500
- ✓Ski & snowboard on-piste included
- ✓SmartBenefits fast payout
- ✓Concierge service
Side-by-side comparison
Coverage, exclusions, add-ons and pricing at a glance.
| Compare | Top pick OneTrip Basic by Allianz | OneTrip Prime by Allianz | OneTrip Premier by Allianz |
|---|---|---|---|
| Provider | |||
| Best for | Short US or sun-destination trips | Families & 1–2 week trips | Ski trips & premium travelers |
| Price | from $38/trip | from $89/trip | from $145/trip |
| Medical cover | CAD 100,000 | CAD 1,000,000 | CAD 2,000,000 |
| Trip cancellation | CAD 3,000 | CAD 10,000 | CAD 25,000 |
| Baggage | CAD 500 | CAD 1,500 | CAD 2,500 |
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| Get quote → | Get quote → | Get quote → |
What to watch for in Canadians
These are the exclusions and gotchas we see rejected most often in claims from Canadians.
- 1Buy coverage within the pre-existing condition look-back window to qualify for a waiver.
- 2US road trips need higher medical limits — provincial insurance covers very little outside Canada.
- 3Winter sports and cruise extensions usually require an add-on rider.
Ready to plan your Canadians trip?
Compare insurance plans above, then head over to our partner MileAsia for your Canadians trip.
Read MileAsia travel guides →Frequently asked
Does my provincial health plan cover me abroad?+
Very little. OHIP and most provincial plans reimburse only a small portion of foreign hospital bills. Travel insurance is essential for any trip outside Canada.
Does Allianz cover COVID-related trip cancellation for Canadians?+
Yes — most OneTrip plans treat COVID like any other covered illness for medical and cancellation. Fear of travel is only covered with the CFAR add-on.