Out-of-Province Travel Insurance
Coverage for every trip within Canada.
Why You Need Inter-Provincial Travel Insurance
Did you know your provincial health plan won’t cover 100% of your medical expenses once you leave your home province? Out-of-province travel insurance fills those gaps, helping to protect you from ambulance bills, hospital surcharges, and other unexpected costs while travelling in Canada.
Your provincial health plan doesn’t guarantee full coverage when you’re outside your home province:
Hospital & service charges (like MRIs, cardiac stents, or incidental room fees) may be higher than what your province reimburses.
Ambulance costs, medical appliances, or dental emergencies often aren’t fully covered.
In Quebec, you may need to pay upfront and claim expenses back later.
Without extra coverage, you’re responsible for paying the difference between provincial charges and reimbursements. With an out-of-province insurance policy, those risks are covered.
Coverage and Benefits
Travel medical insurance can be a good way to fill in gaps in provincial health coverage, while also protecting against non-medical expenses that your home province won’t cover. Without a private policy, you could be left paying for unexpected hospital fees, ambulance charges, or even costs to get back home.
Out-of-province insurance is usually about half the cost of out-of-country travel insurance, making it an affordable way to stay protected while travelling within Canada. In addition to emergency medical care, most policies also include Canadian trip cancellation and trip interruption insurance, covering you if you need to cancel before departure, or cut your trip short due to an emergency.
Typical benefits of inter-provincial travel insurance include:
Emergency medical services: Paramedical care such as chiropractor, physiotherapist, osteopath, or podiatrist.
Emergency dental treatment after an accident.
Hospital-related expenses like meals, phone calls, hotels, taxis, or incidental charges.
Transportation costs: Ambulance fees, emergency evacuation, or air ambulance back to your home province.
Family and travel companion support: Expenses to bring someone to your bedside, your children or travel companion home, or even a family member to Canada in the event of hospitalization.
Vehicle return if you cannot drive home.
Medical appliance rentals (such as crutches or wheelchairs).
Repatriation expenses in the event of death.
Travel Insurance Tips & Resources
Want to learn more about travel insurance in Canada? Check out our blog for travel guides, comparisons, and money-saving tips to help you make the right decision.
How to Buy Travel Insurance
Buying travel medical insurance through BestQuote is quick and easy:
Fill in our online quote form with your trip(s) details. Select 'Canadian Travellers' and then 'Emergency Medical'.
Instantly compare prices and coverage from Canada's top insurance companies.
Purchase online in minutes - your policy documents are delivered immediately.
Prefer to speak with an advisor? Call us toll-free at 1-888-888-0510 and we'll help you find the best policy at the best price for your needs.
Frequently Asked Questions
Find answers to the most commonly asked questions about our services.
Yes, your provincial health plan usually covers basic doctor and hospital care in other provinces, but it will not cover many extra costs like ambulance services, prescriptions, or medical evacuation. Travel insurance fills these gaps and is strongly recommended even for domestic trips.
If your travel plans aren’t finalized, you don’t need to list every country you might visit - except for the U.S. Whether you go there can affect your premium. For other countries, the number of destinations generally doesn’t change your rate.
Yes, Canadian travel insurance can cover cruises, but you should read the policy carefully. Some situations may require purchasing an additional add-on for full coverage.
Yes, most Canadian travel insurance policies include emergency medical evacuation back to Canada if it is medically necessary and approved by the insurer.
Yes, many insurers allow you to extend your policy while abroad if you apply before your coverage expires and no claims have been made.