Travel insurance in Ontario.
Compare. Depart. Return covered.
One request. Objective comparison across top Ontario travel insurance providers through our licensed partner network. Single-trip, annual multi-trip, snowbird plans. Free, no obligation.
What OHIP does
NOT cover abroad.
OHIP covers a maximum of $400/day for out-of-country emergency inpatient — a fraction of real US or European hospital costs. A private travel policy pays the balance. Placed through our licensed partner brokerages. Single-trip, annual multi-trip, snowbird 180-day plans, students, visitors to Canada — each has its own configuration.
Emergency medical
$5M+ standard limits. Covers hospital, ambulance, physician bills abroad. A single-day US hospital stay can top $10,000 — OHIP pays $400/day maximum.
Trip cancellation + interruption
Non-refundable trip costs if you must cancel or return early due to illness, family emergency, jury duty, or covered events. Buy at booking to protect deposits.
Baggage + personal effects
Delayed, damaged or lost luggage. Standard $1,500–$3,000 sub-limit. Bump up for photography or business equipment.
Rental car damage
Collision damage waiver replacement — often cheaper than the rental counter and broader coverage. Confirm your credit card doesn’t already include it.
Pre-existing conditions
Standard exclusions apply. Stable-condition definitions vary by carrier — 90/180/365 days pre-departure. Critical for Ontario snowbirds — get expert help.
Adventure sports rider
Skiing, scuba, mountain biking, motorcycle rentals abroad. Standard policies often exclude — buy the rider before you go, not after.
Three steps.
Zero friction.
You describe your trip
Two minutes to describe destination, dates, travellers and any medical considerations. Single-trip, annual or snowbird.
We match you
Your request goes to a licensed Ontario travel insurance partner who compares top providers.
You depart
Digital confirmation and 24/7 emergency assistance numbers on your phone — no obligation to buy.
We serve every
major Ontario city.
They compared.
They saved.
“Florida snowbird for 15 years — my broker set up a 180-day plan cheaper than my old year-round plan. Explained pre-existing rules clearly.”
“Four business trips a year to Europe — annual multi-trip beat per-trip by hundreds. Should have switched two years ago.”
“Two-week Italy trip — added cancellation right at booking. Sister broke her ankle a week before departure. Full refund.”
Ontario travel insurance —
common questions.
Doesn’t OHIP cover me abroad?
How much does travel insurance cost in Ontario in 2026?
What is annual multi-trip and should I get it?
Snowbird 180-day plans — what’s the deal?
What about pre-existing conditions?
Doesn’t my credit card include travel insurance?
When should I buy the policy?
Is AccesDirect really free?
Compare Ontario travel insurance rates
Free comparison. 2 minutes. No obligation. Your request goes to a RIBO-licensed Ontario partner brokerage.