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Travel insurance in Quebec: everything you need to know
Travelling without travel insurance means taking a considerable financial risk. A 3-day hospital stay in the United States can cost $50,000 or more — an amount that RAMQ will not reimburse. Brokers from our partner brokerages compare the best travel insurance policies available in Quebec to offer you the protection tailored to your profile, at the best price.
What RAMQ does not cover abroad
Many Quebecers assume that their provincial coverage protects them everywhere in the world. This is a costly mistake. Here is what RAMQ actually reimburses outside Quebec:
| Situation | Estimated real cost | RAMQ reimbursement |
|---|---|---|
| Hospitalization in the U.S. (1 night) | 8 000 $ – 15 000 $ | ~$100/day |
| Medical transport to Montreal | 15 000 $ – 80 000 $ | 0 $ |
| Medical consultation in Europe | 150 $ – 500 $ | ~50 $ |
| Emergency surgery abroad | 20 000 $ – 200 000 $ | Minimum ceiling |
Source: RAMQ — Stay outside Quebec and Public Health Canada — Travel insurance.
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The 5 types of travel insurance available in Quebec
1. Emergency medical insurance
This is the basic — and most important — coverage. It covers hospitalization costs, medical consultations, emergency medication, medical transport and repatriation to Canada. Coverage limits range from $1 million to $10 million depending on the policy. Always choose a minimum coverage of $5M for trips to the United States.
2. Trip cancellation and interruption insurance
It reimburses your plane tickets, hotels, cruises and prepaid packages if you must cancel or cut short your trip for a covered reason: illness, death of a loved one, job loss, natural disaster or travel advisory issued by Global Affairs Canada.
3. Baggage and personal effects insurance
It compensates for the loss, theft or damage of your baggage. Airlines limit their liability to approximately $1,700 per passenger under the Montreal Convention — insufficient if you travel with expensive equipment (cameras, computers, jewellery).
4. Annual multi-trip insurance
Ideal for frequent travellers, this plan covers all your trips for 12 months with a single annual payment. It becomes cost-effective starting at 3 trips per year. Maximum durations per trip vary: 15, 30, 60 or 90 days depending on the contract.
5. Insurance for visitors to Canada and non-Canadian residents
Permanent residents waiting for provincial coverage, holders of work or study permits, and foreign tourists can obtain insurance to cover their medical costs in Canada. These policies are available even without active provincial coverage.
Typical travel insurance prices in Quebec in 2025
| Traveller profile | Destination | Duration | Approximate price |
|---|---|---|---|
| Adult 30-45 years | United States | 1 week | 80 $ – 120 $ |
| Adult 30-45 years | Europe | 2 weeks | 60 $ – 100 $ |
| Adult 65+ years | United States | 1 week | 180 $ – 350 $ |
| Family (2 adults + 2 children) | Caribbean | 2 weeks | 200 $ – 400 $ |
| Annual multi-trip (under 65) | Worldwide | 12 months | 300 $ – 600 $ |
| Annual multi-trip (65+) | Worldwide | 12 months | 800 $ – 1 500 $ |
These prices are indicative. Your premium depends on your age, pre-existing medical conditions, destination and coverage selected. Get a personalized quote through our online form.
Travel insurance and pre-existing medical conditions
If you have a stable medical condition (diabetes, hypertension, heart disease, etc.), you can still obtain travel insurance — but you absolutely must declare it at the time of purchase. Undeclared conditions can result in a denial of coverage in the event of a claim.
Most insurers define a condition as “stable” if no change in treatment, hospitalization or unplanned consultation has occurred in the last 90, 180 or 365 days. Your broker can identify the insurers most favourable to your health profile.
Also check out our page life insurance and disability insurance for complete protection.
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Useful links — Travel insurance
- Home insurance
- Auto insurance
- Life insurance
- Disability insurance
- Business insurance
- Travel insurance on credit card
- Find an insurance broker
- Travel advice — Government of Canada
- RAMQ — Coverage outside Quebec
- Insurance Bureau of Canada (IBC)
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