Travel Insurance for Canadians
Travel medical coverage, stability clauses and snowbird policies.
Provincial health plans cover very little outside Canada, so a hospital stay abroad can cost far more than the trip. This hub is for Canadians travelling outside their province or country, including snowbirds.
Start with the travel medical guide, which explains provincial gaps, pre-existing condition stability clauses and long-stay coverage. Credit card travel insurance is compared in the premium cards hub. Policy terms come from insurers' own wording with the date checked.
Read the stability clause before you buy; it is the most common reason claims are denied.
What this hub helps you decide:
- What does my provincial plan cover outside Canada?
- What is a stability clause?
- Is my credit card coverage enough?
- What do snowbirds need?
Updated November 2026 · 1 guide by Andrew
Start here
New to insurance? Read the overview first: Canadian Insurance Planning Guide: What to Buy, in What Order.
All Travel Insurance guides
Travel Medical Insurance in Canada: Provincial Gaps, Stability Clauses, and Snowbirds
What each province pays for a hospital stay outside Canada ($75 to $525 a day), what a three-day US ICU bill leaves you owing, snowbird absence limits, and the stability clauses that decide a claim.