Overview
Why do we need travel insurance?
Whether you’re travelling abroad for a dream vacation, visiting Canada, or heading to another province, it’s important to protect your trip with reliable travel insurance in Canada. Travel plans don’t always go as expected; a sudden illness, missed flight, lost luggage, or misplaced passport can quickly turn an exciting journey into a stressful and expensive ordeal.
With the right travel insurance plan in Canada, you’re protected against unforeseen events like emergency medical care, trip cancellations, baggage protection, and travel delays. Instead of paying out of pocket for costly situations abroad, insurance ensures you get reimbursed for eligible expenses and receive assistance when you need it most. It’s a small investment that safeguards your journey, both financially and emotionally.
At Begin Insurance, we know no two travellers are alike
That’s why we partner with leading providers like Sonomad to offer flexible, affordable travel insurance plans in Canada, options tailored to your destination, duration, age, and even pre-existing medical conditions. Our expert brokers make it easy to compare plans online or get personalized guidance, so you can focus on your trip, not the risks.
Types of
Travel Insurance Plans
When choosing the right travel insurance policy, it’s important to understand the different types of plans available and what each one covers. The type of travel insurance you choose will depend on your travel habits, destination, and personal needs. Below are the most common types of travel insurance plans and the travel insurance coverage they typically include:
Emergency medical insurance
This is one of the most essential types of coverage. It includes emergency medical expenses due to illness or injury while travelling. Coverage often includes hospital stays, doctor visits, prescription medication, and ambulance services.
Trip cancellation and interruption insurance
Protects your prepaid, non-refundable travel costs if you need to cancel or cut short your trip due to unexpected events such as illness, family emergencies, or flight cancellations. It offers reimbursement for flights, accommodation, and other bookings.
Baggage loss, damage, or delay insurance
Covers the cost of lost, stolen, or delayed luggage and personal belongings. This type of travel insurance coverage ensures you’re reimbursed for essential items while your baggage is missing or to replace items permanently lost.
Multi-trip or annual travel insurance
Ideal for frequent travellers, this plan covers multiple trips within a year. It offers convenience and savings compared to buying single-trip insurance each time you travel.
Single-trip travel insurance
A one-time policy that covers you for a specific trip. It includes medical coverage, trip cancellation, and baggage protection, depending on the plan selected.
All-inclusive or comprehensive travel insurance
Combines several coverages into one plan, including emergency medical, trip cancellation, baggage loss, and travel delay. It offers peace of mind and robust protection for most travel scenarios.
Begin Insurance can help you compare and select the most suitable type of travel insurance based on your travel plans, ensuring you’re fully protected every step of the way.
Super Visa Insurance
What type of visa do your relatives need if they are visiting Canada?
If your parents or grandparents plan to stay in Canada for an extended period, they may qualify for a Super Visa. Unlike a regular visitor visa, which allows only short stays, the Super Visa lets family members stay in Canada for up to five years at a time without renewal. To be eligible, applicants must purchase Super Visa insurance, which provides emergency healthcare coverage throughout their stay.
At Begin Insurance, we specialize in helping families find Super Visa insurance plans in Ontario that meet all Immigration, Refugees and Citizenship Canada (IRCC) requirements. These policies typically include coverage for emergency medical care, hospitalization, prescription drugs, and repatriation if required. Having the right medical insurance for Super Visa applicants is essential, as healthcare costs in Canada can be very high without proper protection.
Our team compares multiple providers to secure affordable and reliable Super Visa travel insurance options tailored to your loved ones’ needs. With Begin Insurance, you can ensure your relatives are protected, compliant with government rules, and able to enjoy their visit to Canada with complete peace of mind.
Why choose Begin Insurance for your travel insurance needs?
When it comes to protecting your adventures, Begin Insurance is your trusted partner for travel insurance in Ontario and across Canada. We work with leading insurers to offer a wide range of customizable plans that match your travel style and budget, whether you’re travelling solo, with family, or for business. Our team of experienced advisors simplifies the process, helping you compare options, understand your coverage, and avoid hidden exclusions. With our easy-to-use platform, you can access travel insurance online in Canada quickly and securely, getting coverage in just minutes. Begin Insurance goes beyond just selling a policy; we ensure you’re well-informed, well-protected, and supported before, during, and after your trip. Whether it’s emergency medical, trip cancellations, or lost luggage, we make sure you’re covered so you can travel with peace of mind.
How much does travel insurance cost?
The cost of travel insurance depends on several factors, including your destination, trip duration, age, and the type of coverage you choose. On average, Canadians can expect to pay between 4% to 10% of their total trip cost for comprehensive coverage.
For instance, a two-week trip to the U.S. may cost more to insure than a domestic vacation due to higher healthcare expenses. Additional factors like pre-existing medical conditions, coverage limits, and optional add-ons such as trip cancellation or baggage loss will also affect your premium. While it might be tempting to skip insurance to save money, the financial protection it provides against unexpected events, like emergency medical treatment or trip interruptions, is often worth the investment.
At Begin Insurance, we help you compare travel insurance options to find the right balance between cost and coverage, so you’re protected wherever you go.
Buy your Travel Insurance
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Tell us about your upcoming travel, so we can suggest the right coverage for you.
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Instantly review multiple travel insurance plans in Canada from top providers.
Pick your policy
Select the plan that fits your budget and offers the best protection.
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Secure your policy in minutes and travel with complete peace of mind.
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Our Partners
Wawanesa
CAA
echelon
Definity
Aviva
USLI
SGI Canada
Pembridge
Jevco
Intact
Gore Mutual
Economical
Wawanesa
CAA
echelon
Definity
Aviva
USLI
SGI Canada
Pembridge
Jevco
Intact
Gore Mutual
Economical
FREQUENTLY ASKED QUESTIONS
Common Insurance Questions
What is the difference between travel medical insurance and trip insurance?
Travel medical insurance covers emergency health expenses abroad, while trip insurance protects against cancellations, delays, or lost baggage. Both fall under travel insurance.
What does travel insurance typically cover?
Travel insurance typically covers emergency medical expenses, trip cancellations or interruptions, lost or delayed baggage, and travel delays, offering peace of mind while you’re away.
How do I file a claim on my travel insurance policy?
To file a travel insurance claim, contact your insurer promptly, complete the claim form, and submit required documents like receipts, medical reports, or proof of delay or loss.
What documents do I need to buy travel insurance online in Canada?
To buy travel insurance online in Canada, you typically need your travel dates, destination, provincial health card number, and basic personal details like age and contact info.
Is there an age limit to buying travel insurance in Ontario?
Yes, most providers offering travel insurance in Ontario have age limits or may require a medical questionnaire for seniors. Coverage is available, but terms vary by insurer and age group.
Are group travel insurance options available for Ontario residents?
Yes, group travel insurance options are available for Ontario residents. These plans offer coverage for families, corporate teams, or travel groups, often at discounted rates.
Why should I choose Begin Insurance for travel insurance in Ontario?
Begin Insurance offers expert advice, personalized plans, and access to top insurers for travel insurance in Ontario. We make it easy to compare options and get covered quickly.
Are there any discounts available for buying travel insurance online in Canada?
Yes, you may get exclusive discounts when you buy travel insurance online in Canada, including lower rates for early purchase, multi-trip plans, or bundling with other policies.
