The Best Travel Insurance Plans for Taiwan in 2025
- The best travel insurance plans for Taiwan
- Is it currently safe to travel to Taiwan?
- Is travel insurance required by law to enter Taiwan?
- Why take out travel insurance for Taiwan?
- The essential travel insurance cover for Taiwan
- The cost of travel insurance for Taiwan
- How to pay less for your travel insurance to Taiwan
- Can I rely on my current insurance to cover me in Taiwan?
- FAQ
Travel insurance for Taiwan: key takeaways
1. Definition: Travel insurance for Taiwan covers medical emergencies, trip cancellation, and lost baggage during your stay.
2. Key protection: Travel insurance is not mandatory for Canadians, but it is strongly recommended for financial protection.
3. Healthcare cost: Healthcare is excellent but costly; a hospital night can exceed $500 CAD without insurance.
4. Price: A one-week travel insurance policy for Taiwan typically costs between $30 and $60 CAD.
5. Good to know: All foreign visitors, including Canadians, must complete an online arrival card before entering Taiwan.
Why trust HelloSafe?
HelloSafe is an international specialist in travel insurance comparison, advising over one million travellers every month. After analyzing 38 travel insurance policies available in Canada, our experts share everything you need to know to choose the best travel insurance for Taiwan.
The best travel insurance plans for Taiwan
| Contract we recommend | Medical reimbursement limit | Our view |
|---|---|---|
| HelloTravel Premium | CA$1.5M | Our best pick for Taiwan with a comprehensive package. - strong medical limit - repatriation included - wide cover for medical emergencies |
| Cap Assistance 24/24 | CA$1.4M | Ideal for both short and long trips. - 24/7 support - high limit - cancellation coverage |
| Tourist Card | CA$700k | Suited for tourists needing core protections in Taiwan. - hospital care - assistance in English - efficient claims |
| Travel Pass Monde | CA$1.0M | Balanced coverage for most Canadian travellers. - hospital and outpatient treatment - rapid reimbursement - medical evacuation |
| Globe Partner | CA$420k | Good value for travellers abroad. - medical care - repatriation guarantee - civil liability included |
| Globe Traveller | CA$700k | Affordable option for short and medium stays. - essential medical cover - quick response - simple terms |
- strong medical limit
- repatriation included
- wide cover for medical emergencies
- 24/7 support
- high limit
- cancellation coverage
- hospital care
- assistance in English
- efficient claims
- hospital and outpatient treatment
- rapid reimbursement
- medical evacuation
- medical care
- repatriation guarantee
- civil liability included
- essential medical cover
- quick response
- simple terms
Is it currently safe to travel to Taiwan?
As of June 2025, the Government of Canada’s Global Affairs advises travellers that the current safety level for Taiwan is to take normal security precautions. Canadian travellers are not discouraged from visiting Taiwan, but specific risks remain and official recommendations should be followed carefully.
- Security risks: petty crime does occur, especially theft of bags and valuables in crowded urban areas. Extra caution is recommended in night markets and transit stations in cities like Taipei.
- Health risks: while medical care is generally excellent, the cost of care for foreign visitors can be high and hospitals may require payment before treatment. Cases of dengue fever and Japanese encephalitis occur seasonally, particularly in southern and rural regions.
- Natural hazards: typhoon season lasts from May to November, bringing potential flooding and travel disruptions especially in eastern and coastal areas. Earthquakes are also possible, as Taiwan is in a seismically active zone.
- Legal and entry requirements: visa-free entry is available for most Canadian tourists for up to 90 days but you must complete an online arrival card prior to travel. Penalties for drug offences are severe and dual citizens may face compulsory military service if born in Taiwan.
Although not required, travel insurance is strongly recommended by Global Affairs Canada, particularly to cover medical expenses and emergency repatriation, which can be extremely costly in Taiwan.
Is travel insurance required by law to enter Taiwan?
No, travel insurance is not legally mandatory for Canadian citizens to enter Taiwan when visiting as a tourist or for short stays.
It is still strongly recommended to have comprehensive travel insurance, as foreigners must cover all medical costs out of pocket and hospital bills can be very expensive. Good policies should include coverage for emergencies, hospitalisation, and repatriation.
According to our data, 80% of travelers purchase travel insurance before going to Taiwan. This high percentage is due to the cost of private healthcare and the potential for unexpected incidents.
Why take out travel insurance for Taiwan?
It is an essential financial and medical protection for anyone going to Taiwan.
In Taiwan, foreigners are most often directed to private hospitals such as Taipei Medical University Hospital or Chang Gung Memorial in Taipei, where healthcare fees can be substantial. While the public system is advanced, non-residents are not eligible for the National Health Insurance and must pay full costs for consultations, surgeries, or hospital stays.
Travel insurance covers medical fees, hospitalisation, medication, ambulance transport and emergency repatriation to Canada in the event of a serious incident.
Here are some examples of healthcare costs in Taiwan.
| Example of medical treatment | Cost at Taipei Medical University Hospital | Covered by travel insurance |
|---|---|---|
| I have to be hospitalized 48 hours after contracting an infection | TWD 45,000 (CA$1,900) | up to CA$1,000,000 |
| I broke my tibia (X-ray, cast, and crutch rental) | TWD 30,000 (CA$1,270) | up to CA$1,000,000 |
| I need to be repatriated | TWD 850,000 (CA$36,000) | up to CA$1,000,000 |
| I have appendicitis (consultation and surgery) | TWD 100,000 (CA$4,250) | up to CA$1,000,000 |
These prices are given as an indication and may vary depending on the facilities and regions.
It is therefore essential to take out appropriate travel insurance to avoid unexpected and potentially high expenses.
The essential travel insurance cover for Taiwan
| Main coverages | Explanations and recommendations |
|---|---|
| 🏥 Medical expenses | Covers medical emergencies, doctor visits, hospitalization, and surgery. We recommend a reimbursement limit of at least CA$1,000,000. |
| ✈️ Repatriation and evacuation | Pays for air ambulance or medical escort back to Canada in a serious emergency. Minimum recommended limit: CA$500,000. |
| 💊 Medication and outpatient care | Includes prescription drugs and follow-up care. Limit should be at least CA$10,000 per incident. |
| 🚑 Emergency transportation | Covers ambulances and transfers to specialist clinics if needed. Recommend coverage of CA$50,000 or more. |
| 🧳 Baggage and personal effects | Protects against loss, theft or delay of luggage. We recommend a limit of CA$2,500 minimum. |
| ❌ Trip cancellation and interruption | Refunds non-refundable expenses due to unforeseen events (e.g. illness, injury, family emergency). Suggested coverage: CA$7,500 or higher. |
| 👨⚖️ Personal liability | Covers legal costs if you injure someone or damage property. At least CA$1,000,000 recommended. |
| 📞 24/7 assistance services | Provides multilingual support and help in emergencies. Look for unlimited or very high support limits. |
We recommend a reimbursement limit of at least CA$1,000,000.
Minimum recommended limit: CA$500,000.
Limit should be at least CA$10,000 per incident.
Recommend coverage of CA$50,000 or more.
We recommend a limit of CA$2,500 minimum.
Suggested coverage: CA$7,500 or higher.
At least CA$1,000,000 recommended.
Look for unlimited or very high support limits.
Travel insurance from local providers or bank cards often has low limits and many exclusions. It is safer to choose a trusted insurer with full coverage. Compare the best options on HelloSafe and subscribe online for instant certification.
The cost of travel insurance for Taiwan
| Trip duration | Traveler’s age | Indicative price per person |
|---|---|---|
| 1 week | 25 years old | CA$28 |
| 2 weeks | 45 years old | CA$55 |
| 1 month | 35 years old | CA$80 |
| 1 month | 70 years old | CA$185 |
These prices are indicative and may vary depending on the coverage chosen and the specifics of each insurer.
Good to know
The cost of your travel insurance is influenced by several key factors: your age, the duration of your stay, your destination, the level of coverage, and any optional add-ons like trip cancellation. Keeping these in mind is crucial for Canadians to find the right policy that balances comprehensive protection with an affordable price.
💡 It is always recommended to compare multiple offers to find the best value-for-money plan for you. You can use HelloSafe.
👉 Compare the best travel insurance for freeI compareHow to pay less for your travel insurance to Taiwan
Here are some suggestions to optimize the cost of your travel insurance to Taiwan while keeping good coverage:
| Criteria | Why it matters | Expert tip |
|---|---|---|
| 🧑 Age of traveller | Premiums increase with age, especially for those over 60, even for short stays in Taiwan. | Compare insurers, as Heymondo does not increase its prices for people over 62. |
| 🗓️ Trip duration | Longer trips lead to higher costs, even if staying in low-risk areas of Taiwan. | Limit your insurance to the exact travel dates instead of rounding up to extra days. |
| 🧳 Level of coverage | High reimbursement limits are important for medical care in Taiwan, especially with private clinics. | Select only the coverages you truly need such as medical and repatriation, for better value. |
| 👨👩👧👦 Number of travellers | Family or group plans may offer discounts for insuring multiple people at once. | Choose family or group coverage if traveling together, to access more attractive rates. |
| 🚴 Activities covered | Riskier activities like scooter riding or hiking may increase premiums in Taiwan. | Exclude unnecessary risky sports from your policy if not part of your planned activities. |
| 🛒 Purchase timing | Prices can be better if you buy in advance, not at the last minute before your trip to Taiwan. | Buy your insurance early as soon as you book your trip, to benefit from the best rates. |
| 📱 Digital insurers | Some digital-first insurers offer streamlined policies, sometimes at lower costs, valid for Taiwan trips. | Compare digital insurance options which can sometimes provide simpler and more affordable plans. |
Can I rely on my current insurance to cover me in Taiwan?
It is completely legitimate to wonder if your existing coverage, such as credit card insurance or your public health plan, can protect you while traveling in Taiwan. Unfortunately, this coverage is often limited or insufficient. Here is a summary table to help you review your current insurance and what it covers.
| Type of insurance | Valid in Taiwan? | What it covers | Why Travel Insurance is better |
|---|---|---|---|
| Public health insurance (Canada Health, RAMQ, OHIP, MSP) | Never | No coverage outside Canada. No reimbursement for medical care or hospital charges abroad. | Travel insurance covers up to CA$1,000,000+ in medical care, hospitalization and emergency evacuation. |
| Private health insurance (Manulife, Sun Life, Blue Cross) | Limited coverage | Partial medical reimbursement, sometimes after return. Often excludes repatriation, local hospital. | Travel insurance covers local private clinics, repatriation, and up to CA$1,000,000 in direct payments. |
| Classic credit card (TD Classic Visa, Scotia Value Visa, RBC Classic) | Limited coverage | Medical expenses up to CA$10,000–15,000, no repatriation, little or no baggage/cancellation. | Travel insurance covers up to CA$1,000,000, baggage, trip cancellation and real assistance on site. |
| Premium credit card (Visa Infinite, Amex Gold, RBC Avion) | Limited coverage | Medical fees up to CA$100,000–150,000, limited interruption/trip delay or baggage coverage. | Travel insurance includes up to CA$1,000,000+ for medical, full trip protection, and 24/7 emergency support. |
Example
While riding a scooter in Kenting, Chloe had an accident, resulting in a complex leg fracture. The surgery and hospital stay cost CA$28,000. Her TD Visa's included insurance had a low limit of CA$5,000, and her provincial plan covered next to nothing, leaving her with an unexpected CA$23,000 bill.
Expert advice
Essential situations, like trip interruption for a relative’s illness, are often excluded from credit card or provincial health plans. Always read the fine print to avoid surprises abroad. In all cases, it is safer and more reassuring to purchase dedicated travel insurance tailored to your trip.
FAQ
Do I need a visa to travel to Taiwan?
Canadian citizens do not need a visa for tourist or business stays in Taiwan of up to 90 days. Your passport must be valid for at least six months beyond your expected date of departure from Taiwan. For longer stays or special visa categories, check the latest entry requirements before you travel.
How do I purchase travel insurance for Taiwan?
Start by comparing different plans on the HelloSafe travel insurance comparison tool. Review each policy’s guarantees and any exclusions, making sure they fit travel conditions in Taiwan. Proceed to purchase your chosen policy online. You’ll receive your insurance certificate by email, which you should keep for your trip.
What documents are recommended for travelling to Taiwan?
Besides a valid passport, Canadian travellers must complete an online arrival card within three days before their flight. It is also useful to have proof of return or onward travel and sufficient funds. Carrying a printed copy of your travel insurance certificate is recommended in case of emergencies.
What should travel insurance for Taiwan include?
Travel insurance for Taiwan should provide at least CA$1,000,000 for medical expenses, including hospitalization and emergency evacuation. Look for policies covering accidents, theft, repatriation, and interruptions due to severe weather, such as typhoons, as these can occur between May and November.
Can I purchase travel insurance for Taiwan if I have a pre-existing medical condition?
Yes, many insurers offer plans that either include or add coverage for pre-existing medical conditions. Always declare your medical history honestly and review the policy’s terms to ensure adequate coverage. Coverage terms and costs vary, usually starting at around CA$60 to CA$150 per month.
What should I do if I need medical care in Taiwan?
If you need non-urgent medical care, visit one of Taiwan’s numerous hospitals or clinics. For emergencies, call 119 for an ambulance. You may need to pay up front for treatment, so keep all receipts and contact your insurer promptly to arrange reimbursement or assistance.
Do I need a visa to travel to Taiwan?
Canadian citizens do not need a visa for tourist or business stays in Taiwan of up to 90 days. Your passport must be valid for at least six months beyond your expected date of departure from Taiwan. For longer stays or special visa categories, check the latest entry requirements before you travel.
How do I purchase travel insurance for Taiwan?
Start by comparing different plans on the HelloSafe travel insurance comparison tool. Review each policy’s guarantees and any exclusions, making sure they fit travel conditions in Taiwan. Proceed to purchase your chosen policy online. You’ll receive your insurance certificate by email, which you should keep for your trip.
What documents are recommended for travelling to Taiwan?
Besides a valid passport, Canadian travellers must complete an online arrival card within three days before their flight. It is also useful to have proof of return or onward travel and sufficient funds. Carrying a printed copy of your travel insurance certificate is recommended in case of emergencies.
What should travel insurance for Taiwan include?
Travel insurance for Taiwan should provide at least CA$1,000,000 for medical expenses, including hospitalization and emergency evacuation. Look for policies covering accidents, theft, repatriation, and interruptions due to severe weather, such as typhoons, as these can occur between May and November.
Can I purchase travel insurance for Taiwan if I have a pre-existing medical condition?
Yes, many insurers offer plans that either include or add coverage for pre-existing medical conditions. Always declare your medical history honestly and review the policy’s terms to ensure adequate coverage. Coverage terms and costs vary, usually starting at around CA$60 to CA$150 per month.
What should I do if I need medical care in Taiwan?
If you need non-urgent medical care, visit one of Taiwan’s numerous hospitals or clinics. For emergencies, call 119 for an ambulance. You may need to pay up front for treatment, so keep all receipts and contact your insurer promptly to arrange reimbursement or assistance.
