Travel Insurance in Ontario

For an example profile (35-year-old travelling 14 days to the USA/worldwide, emergency medical only), Instasure’s model estimates roughly $28.00–$43.00 per trip as of October 2026. Your price depends on age and medical stability, destination and trip length, pre-existing conditions and the insurer — get an instant personalised estimate, then a licensed advisor confirms real insurer quotes.

Financial Services Regulatory Authority of Ontario (FSRA). FSRA licenses life agents (LLQP) and accident & sickness agents; property & casualty brokers are licensed by the Registered Insurance Brokers of Ontario (RIBO). Complaints about insurers can be escalated to the General Insurance OmbudService (home, auto, business) or the OmbudService for Life & Health Insurance.

Only partially. Out-of-country payments are capped at modest daily or provincial rates that rarely cover U.S. or private-clinic costs, and some provinces pay very little. Emergency medical travel insurance is strongly recommended for any trip outside Canada.

Many policies only cover pre-existing conditions that have been stable (no new symptoms, treatment or medication changes) for a set period before departure, such as 90 or 180 days. Answer the medical questionnaire carefully — mistakes can void a claim.