What is the best Covid travel insurance in Canada for 2024?

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Emergency Medical Care
up to $5,000,000
Baggage insurance
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Snowbird plan available
  • The most competitive offer on the market
  • Fast and efficient submission process
  • Multilingual emergency assistance services available 24/7
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soNomad travel insurance offers emergency medical coverage up to $5,000,000, including COVID-19 at no extra cost, and baggage insurance up to $1,500, all with no deductible. It stands out for its competitive rates and excellent value for money, surpassing competitors like Allianz and Manulife, which are often more expensive for similar coverage. The cancel-for-any-reason program, subscribed within 7 days of booking, provides additional security. Ideal for all travelers, including those with pre-existing medical conditions.

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Emergency Medical Care
up to $5,000,000
Baggage insurance
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  • Higher rates for the greatest coverage offered on the market
  • Allianz offers are very comprehensive
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Allianz travel insurance offers emergency medical coverage up to $5,000,000, including COVID-19 protection at no extra cost, and baggage insurance up to $1,000. Although its rates are higher, Allianz stands out for the quality and breadth of its coverage. Compared to soNomad and TuGo, Allianz offers a very comprehensive package but at a higher cost, making it an ideal choice for those seeking maximum and uncompromising coverage.

Recommended Offer
Emergency Medical Care
Up to $5,000,000
Baggage insurance
Trip Cancellation and Interruption
Up to $12,000
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5% Discount for 2 Travelers
  • No medical questionnaire for individuals aged 59 or younger
  • Coverage in case of accidental death or dismemberment
  • Medical department for personalized analysis
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Tour+Med offers comprehensive travel insurance with generous medical coverage up to $5,000,000 CAD, including coverage for COVID-19 at no extra cost. Their flexible deductible options and additional benefits, such as medical questionnaire exemptions for certain age groups, make it an attractive choice for travelers concerned about their peace of mind.

Emergency Medical Care
up to $10,000,000
Baggage insurance
up to $1,000
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  • Interesting formulas for trips lasting up to one month
  • Important coverage
  • Adapted to your basic needs
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Manulife travel insurance offers a "COVID-19 Pandemic Travel Insurance Plan" providing emergency medical coverage up to $1,000,000 for COVID-19 related health issues, increased to $5,000,000 for fully vaccinated individuals. In case of unforeseen quarantine, it covers up to $200 per day per person (maximum $2,800) and $400 per day per family (maximum $5,600). Compared to other plans, Manulife stands out for its extensive coverage and specific quarantine benefits, offering increased security for vaccinated travelers.

A few years have passed since the beginning of the Covid-19 pandemic, and although not as alarming as it used to be, the virus still exists. As a result, many countries still make it mandatory for travellers to show proof of Covid insurance upon arrival.

You're planning to travel soon and want to know more about Covid travel insurance? You'd like to know which Covid travel insurer is best, what is covered exactly, and for how much?

No worries, you'll find all this information and more in the article below!

Covid Travel Insurance: 5 Key Takeaways

  1. About 40 countries accross the world make Covid insurance mandatory for travellers.
  2. Depending on your plan, Covid travel insurance can cover Covid-related medical emergencies, repatriation and booking cancellations.
  3. Predictable events, like a mandatory quarantine on arrival, are not covered.
  4. Depending on your profile and needs, Covid travel insurance can cost you an addition $10 to $80 a month.
  5. Some credit cards can cover Covid-related expenses (a cancelled flight ticket for instance).

What is Covid insurance for travel?

Covid-19 travel insurance covers you from the direct consequences of the pandemic on your travel. Since the beginning of the coronavirus crisis, the conditions of entry have been tightened for many countries.

A traditional insurance package which covered travel abroad was mainly concerned with the coverage of emergency medical care, repatriation in case of illness or accident, hospitalization and death. It is now necessary to add a specific contract, which indicates precisely the guarantees that can be implemented in case of Covid-19 contamination, in the event of quarantine or if one encounters organizational difficulties due to Covid-19, such as flight cancellations, interruption or extension of stay.

What does Covid-19 travel insurance cover?

The benefits included in Covid-19 travel insurance may differ slightly depending on your chosen company. The coverage offered may cover the following:

  • Emergency medical care following Covid-19-related health problems up to $10 million: Be aware that some companies require the insured person to be vaccinated to receive these benefits. In addition, in some countries, such as Canada, most insurers offer this coverage only if you are staying in a country where the warning level is less than or equal to 3. In other words, if you are going to a country considered risky by your country of origin, it is wise to check whether or not your coverage will apply.
  • Repatriation in case of illness: This decision must be approved in advance by the insurer. It is only accepted in serious cases when it is not possible to provide the necessary care in the country where the patient is staying. The amount covered can reach $80,000.
  • Trip cancellation if you contract Covid-19 before your departure: Coverage is subject to a positive PCR test and can amount to approximately $25,000.
  • Trip cancellation if a family member has a severe form of Covid-19: Coverage is up to $25,000.
  • Coverage for mandatory quarantine: Coverage is generally limited to $6,000.
  • Early return: If a family member contracts a severe form of Covid-19 during your stay.
  • Coverage for a companion: if you need to be hospitalized during your trip due to Covid-19-related health problems.

Isn't Covid-19 already covered by your medical insurance?

The "Covid-19 Coverage" section on your medical insurance policy indicates whether your policy covers you for this type of risk. You can also read and check the terms and conditions of your policy. To be sure that your travel medical insurance covers Covid-19, you can also contact your insurance company directly. A written request, by post or email, makes it easier to keep track of responses and guarantees.

Is quarantine covered by your Covid travel insurance?

Quarantine may be covered by your Covid-19 travel insurance, under certain conditions. It's important to differentiate between predictable and unexpected quarantine to understand your Covid-19 travel insurance coverage.

  • Predictable quarantine: Some countries require quarantine upon arrival. This is a quarantine that is indicated before the trip is booked and therefore known at the time of departure. No insurance company insures the costs related to this type of event.
  • Unexpected quarantine: You may be quarantined during your stay after having contracted Covid-19 or being considered a contact case. This is sudden and unforeseeable. Depending on the date and duration of your mandatory isolation, this event may extend your stay and make it impossible for you to return under the conditions initially planned. In this case, if you benefit from this coverage in your Covid-19 travel insurance, you can benefit from the coverage of expenses related to accommodation and the purchase of a new plane ticket for example.

Is Covid-19 travel insurance mandatory?

Covid-19 travel insurance is required in some countries, but not in all. Some countries require proof of travel insurance to cover Covid-19-related health expenses while abroad before entering the country. However, not all governments require the same maximum coverage. The certificate is most often delivered upon subscription online and notifies exactly :

  • the amounts covered by guarantees
  • the conditions of reimbursement
  • the dates of coverage
  • the geographical scope of coverage, etc.

Here's a list of countries for which Covid-19 travel coverage is mandatory upon arrival:

ContinentCountries requiring Covid-19 travel insurance
Algeria, Benin, Cape Verde, Djibouti, Kenya, Mozambique, Namibia, Seychelles, Togo, Maurice Island
Anguilla, Argentina, Aruba, Bahamas, Bermuda, Bolivia, Chile, Costa Rica, Cuba, Ecuador (Galapagos), Fiji, Guatemala, St. Martin (Netherlands' part), Paraguay, El Salvador, Turks and Caicos Islands
Cambodia, China, Indonesia, Israel, Jordan, Malaysia, Maldives, Mongolia, Nepal, Pakistan, Philippines, Oman, Russia, Saudi Arabia, Singapore, Thailand, Vietnam
Ukraine, Russia
Countries in which Covid-19 travel insurance is mandatory

What travel insurances cover Covid-19 in Canada?

Who offers travel insurance with Covid Coverage? The COVID-19 pandemic has forced travel insurance companies to modify their policies to offer additional, specific guarantees. Some airlines are also offering special coverage to handle Covid-19 related issues.

In our list below, find out which of these reknown insurers cover Covid-19-related expenses:

Covid Travel InsurersCovid Coverage
SoNomad travel insurance
SoNomad offers COVID-19 coverage on all its travel insurance plans at no additional cost.
You will be covered for any variant of COVID-19 without any hassle.
Manulife covid travel insurance
Manulife offers a specific travel insurance plan just for Covid-19. It covers COVID-19 related emergency medical expenses and trip interruption coverage in the event you need to self-isolate or quarantine during your trip.
RBC covid travel insurance
RBC's Emergency Medical coverage does not cover Covid-19 related illness and expenses for policyholders travelling to countries under a level 3 or 4 travel advisory. Trip cancellation and trip interruption is not eligible for travel coverage in the event of Covid-19.
CAA covid travel insurance
CAA COVID-19 policy has been updated to cover COVID-19 related emergencies and interruptions. COVID-19 updates are regularly passed to clients to ensure safe travel.
TD covid travel insurance
Covid-19 related medical claims are eligible for coverage if they are not already covered under your provincial health insurance.
BMO covid travel insurance
Contracting illness from Covid-19 may be eligible for Trip Cancellation insurance benefits. However, if the Government of Canada institutes a Covid-19 related travel advisory for your destination neither emergency medical related to Covid-19 nor trip cancellation are eligible for benefits.
AMA covid travel insurance
AMA travel insurance covers COVID-19 related emergency medical care. Fully vaccinated travellers are eligible for up to $5 million in coverage, while partialy vaccinated travellers are eigble for up to $2.5 million. Note that this does not include cruise passangers or visitors to Level 4 goverment advisories. Cancellation due to Covid-19 is not covered.
CIBC covid travel insurance
If you purchased your CIBC travel insurance on or after March 13, 2020, your trip cancellation and interuption coverage does not cover COVID-19 related claims. Emergency medical claims are covered as long as the destination travel country is not under an "avoid non-essential travel" or "avoid all travel" advisory before your travel date.
Green Shield covid travel insurance
If a traveller contracts COVID-19 in an area without an active travel advisory in place, treatment is covered. If a traveller contracts COVID-19 in an area with an active level three or level four COVID-19 travel advisory, treatment is not covered – regardless of vaccination status.
Canada Life covid travel insurance
Canada Life's travel insurance plans do not not cover Covid-19 issues.
Desjardins covid travel insurance
Desjardins offers COVID-19 travel coverage for medical emergencies and travel interruptions.
Canadian Travel Insurances' Covid Coverage.

Expert advice

To get a free quote from some of the best Covid insurers currently on the market, you can also check out our comparison tool at the top of this page.

How much is travel insurance with Covid-19 coverage?

The price of your Covid-19 travel insurance in Canada depends on several criteria such as:

  • The level of coverage desired
  • The duration of the trip
  • The age of the insured
  • The number of travellers
  • The type of trip
  • The insurance company you choose

It is thus hard to say how much your Covid insurance will be. Here's a few examples of Covid travel insurance's prices for different Canadian insurers:

Travel insurance companyCovid-19 coverMonthly price
  • Emergency medical expenses including those related to Covid-19
  • Travel cancellation in case of quarantine or Covid-19 infection
From $14.84
  • Emergency medical coverage, including Covid-19
  • Trip cancellation due to Covid-19 (if you or a loved one becomes ill)
  • Coverage of hospitalization costs due to Covid-19
From $72
  • Coverage of emergency medical expenses related to Covid-19 for stays in countries classified as level 1, 2 or 3
  • Trip cancellation coverage as a result of Covid-19
From $56.80
  • Coverage of emergency medical expenses related to Covid-19 for stays in countries classified as level 1, 2 or 3
  • Trip cancellation coverage as a result of Covid-19
From $23.53
Blue Cross
  • Emergency medical care due to Covid-19-related health problems
  • Trip interruption or cancellation coverage as a result of Covid-19
  • $3.55 per day for a 22-year-old student traveller staying in the United States for 22 days
  • $7.20 per month for a 35-year-old on an international business trip of up to 17 days
Price of Covid-19 travel insurance

Is it really worth it to pay for a Covid-19 coverage when the country you're visiting doesn't require it? According to us, yes. Even if your destination does not require you to have insurance with Covid-19 coverage, your trip may be affected by Covid-19. It is important to be insured against this risk.

Expenses related to hospitalization or quarantine in certain countries can quickly spiral out of control. Let's take the example of a trip to the United States:

Medical expensesAverage cost
Cost of a 6-day hospitalization due to Covid-19
Cost of a room in intensive care
$9,736 per day
Cost of an artificial respirator
$2,800 per day
Cost of an ambulance
What are the risks of not having Covid-19 insurance?

Is Covid travel insurance available through your credit card?

Banks offer certain insurance and assistance services related to travel. To benefit from them, you must pay for your stay with your card. It is often wise to top-up these guarantees with a travel insurance contract to cover anything they miss, especially concerning the problems linked to Covid-19. Let's take a closer look at the Covid-19 coverages offered by different banks.

Bank CardCovid-19-specific coverage
Visa Gold
  • Coverage of emergency medical expenses following Covid-19-related health problems
  • Trip cancellation is possible in the event of illness
  • Coverage of transportation and accommodation for a loved one in the event of hospitalization due to Covid-19
  • Coverage of additional lodging in case of extended stay due to a medical decision
  • Death coverage, even if due to Covid-19
  • Covid-19 notation on travel insurance certificate in connection with emergency medical coverage
Mastercard Gold
  • Emergency medical coverage: Covid-19 specific conditions not specifically mentioned
  • Trip cancellation due to illness, including Covid-19
  • Coverage for a family member in case of hospitalization, for any medical reason (accommodation + transportation)
  • Please contact your bank to check if the wording "Covid coverage" appears on your Gold Mastercard insurance policy certificate.
Mastercard World Elite
  • Trip Cancellation coverage for health conditions, including Covid-19
  • Medical and hospitalization Covid-19-related conditions are not specifically covered
  • No mention of "Covid-19 coverage" in the insurance policy
Which banks cover Covid-19?

Good to know

Please note that you will not have any Covid-19 travel insurance with the Visa Classic or Mastercard Classic.

Even if the bank cards provide certain guarantees in the context of a trip, the following cases are not covered by this type of contract:

  • Trip cancellation due to a quarantine risk
  • Trip cancellation due to a lockdown
  • Trip cancellations due to border closures due to the Covid-19 epidemic
  • Cancellation of travel to an area advised against by the country of departure
  • Costs associated with quarantine
  • Cost of PCR tests required abroad.

How to make a Covid-19 travel cancellation insurance work?

There are several ways in which Covid-19 could force you to cancel a trip.

  • If you contract the disease before your departure, it is essential to report this event to the insurance company as soon as possible. A positive PCR test result and, in some cases, medical proof of your condition is required.
  • If one of your loved ones becomes ill with a severe form of Covid-19, you must remember to notify your insurer as soon as you become aware of it. You must then send a medical certificate justifying the state of health of the person concerned. In certain situations, you must also provide evidence of how you are related, like a birth certificate.
  • If you are hospitalized due to Covid-19 and must cancel your trip, it is necessary to inform the insurance company as soon as possible and to accompany your request with a certificate from the hospital treating you.

Good to know

In all cases, the insurance company will request your transportation ticket(s) and the corresponding invoice and proof of payment. You will be reimbursed up to the maximum limits outlined in your policy's terms and conditions.

5 tips for choosing your Covid-19 travel insurance

Are you still hesitating before choosing the right Covid-19 travel insurance for you? Which company should you choose? Beyond the price, what guarantees make a difference? Discover our tips to help you make a decision that meets your needs and expectations:

  1. Check the insurance requirements of your destination country: Your travel insurance must comply with Covid-19 coverage requirements. These may differ from state to state. It is important to be aware of the minimum Covid-19 coverage required in the jurisdiction where you plan to travel.
  2. Compare several offers: Don't limit yourself to one quote. It's a good idea to compare several quotes and rates to choose the Covid-19 travel insurance that best suits your needs. Use a simulator or comparator to make your selection.

Compare offers on our free tool at the top of this page or use our (also free) comparison tool below:

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  1. Read the terms and conditions of the Covid-19 travel insurance before you buy: It is important to check the levels of coverage and the conditions of coverage before you sign up. Don't hesitate to ask questions about the company if there are any unclear points.
  2. Look for generous coverage of health expenses: This is the most important benefit. The amount provided for emergency medical care should be appropriate to the costs of healthcare in your country of destination. Depending on the country, this type of cost can be very expensive without insurance.
  3. Check the warning levels announced by the Canadian government for the destination you choose: Most Covid-19 travel insurance will only cover you if the country you are visiting is at levels 1, 2 or 3.
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Alexandre Desoutter

Alexandre Desoutter has been working as editor-in-chief and head of press relations at HelloSafe since June 2020. A graduate of Sciences Po Grenoble, he worked as a journalist for several years in French media, and continues to collaborate as a as a contributor to several publications.