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Five Surefire Ways to Save Money on Canadian Travel Insurance

Updated on June 24, 2015

Canadian travel insurance is well known for the upsell. As a traveller, you go to buy basic medical travel insurance, and suddenly, you find yourself talked into the most expensive, swankest policy.


Here are some tips to help you save money on travel Insurance in Canada:

1. Don't fall for all the bells and whistles.

  • Sure, everyone should have basic medical insurance to cover accidents and unexpected illnesses, but do you really need baggage insurance? Or trip cancellation and interruption insurance? Or a shiny, expensive, all inclusive policy?
  • These add ons are fine if you really need them. For example, cancellation insurance makes a lot of sense if you've paid for an extremely expensive trip and you don't leave for months. Who knows what could go wrong during that time? But basic medical and evacuation insurance may be all most travelers need.

2. Check your existing credit cards, home insurance and work insurance. You may already have a travel insurance benefit. You may be surprised to know that many credit cards now carry a travel insurance perk for the cardholder, spouse and children.

3. Get more than one quote. Sure, Larry down at the travel agency is a nice guy, but he may not be able to get you the cheapest policy. Definitely try to get a few online quotes.

4. Increase your deductible. A zero deductible policy will always cost more than a policy with a higher deductible.

5. Look into a family discount. Many policies will insure children for free under their parents' policy.

6. Compare prices. Surprisingly, there can be huge differences in cost between similar policies. Do a little homework, get a few quotes, and you may be surprised by the savings, whether you're traveling in province or further abroad, like New Zealand.

7. Bonus money-saving tip: Check out reviews of travel insurance companies for Canadians before you buy!

How do you save money on travel insurance?

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