Travel Insurance for Canada

If you need to be treated for an emergency while you’re in Canada, your medical bills can quickly add up. It is vital to have the right insurance policy for any pre-existing medical conditions you may be living with.

AllClear offers cover for over 1,300 pre-existing medical conditions, so you can get the cover you need and experience Canada without any undue stress. Thanks to our smooth screening process, it’s easy to declare your condition by phone or online.

Some major conditions we cover include:

Canada is an incredible destination for outdoor enthusiasts and adventure sports fanatics. With stunning forests and wide mountain ranges, there’s plenty to see and do in the “Great White North”.

AllClear’s comprehensive Travel Insurance covers the costs of injuries or other issues you may experience on a snow sports holiday. We’re here to help you enjoy your time in the Canadian Rockies without worrying about sudden expenses.

Planning to trek up Johnston Canyon or other epic locations? We offer cover for hiking up to 3,000 metres.

Our policy also includes cover for your rental vehicle insurance excess if your hired car is involved in an accident while you’re driving it. Your rental vehicle excess is also covered if the vehicle is stolen or damaged while in your care.

Snow sports Travel Insurance for Canada

You’ll find some outstanding ski resorts and fields all across Canada. With AllClear, you can get cover for the replacement or repair of your personally owned ski equipment, or equipment you’ve hired if it is lost, stolen or damaged while you are travelling. 

We can also provide cover for the cost of hiring replacement skis if your equipment can't reach you on your outward trip for at least 12 hours.

If a lack of snow has caused your booked resort to close, we can cover the cost of reaching a different resort. If no other resort is available, we will provide cover for each full day you couldn’t ski because your resort closed. 

With AllClear, you are covered for your hospital bills and other medical expenses while you’re in Canada. This includes treatment needed for your declared pre-existing medical conditions. 

Canada does not have a Reciprocal Health Care Agreement with the Australian Government (Source: Australian Government, accessed 05 Nov 25). If you are injured on your holiday, a Travel Insurance policy may be the only financial assistance you receive.

With our comprehensive cover, you can travel from Alberta to the British Columbian Rockies and more without stressing about hospital expenses. We’ll also provide cover for repatriation and evacuation costs if you need to be brought back home.

We also offer a 24/7 overseas emergency medical helpline open to help you find the right care at any time.

Canada is a friendly and safe destination, but it’s always a good idea to have a few safety tips in mind:

• Natural disasters: Canada is vulnerable to natural disasters due to weather conditions during the winter periods. If you are caught in an emergency, such as a snowstorm, avalanche or hurricane, follow the advice of local authorities and keep an eye on local media for further updates. 
• Managing the weather: If you’re from a warmer part of Australia, Canada may present weather conditions you haven't previously experienced. Be sure to pack plenty of warm clothing before you leave, including gloves, scarves, hats or ear muffs. 
• Scams and theft: Canada’s crime rate is similar to Australia’s. However, crime does occur, especially in larger cities. Petty crimes like theft and pickpocketing can occur in tourist areas and on public transport. Be sure to look after your belongings and hide any valuables from sight.
• Wildlife awareness: Certain areas of Canada have dangerous wildlife present, such as grizzly or polar bears, and moose. Get local advice before hiking or camping near dangerous animals.

Driving in the snow in Canada

Canada’s winter weather can cause freezing rain, heavy snowfall and other icy conditions that can affect road safety. If you are getting behind the wheel, be sure you are properly equipped with winter tyres and snow chains if necessary.

Know your route, avoid driving in extreme weather, and maintain a wide berth between you and other vehicles. If you identify black ice on your path, it’s best to stop and wait for it to melt whenever possible.

See the Canadian Government’s winter driving guide for more tips.

To make sure you have everything you need before you leave for Canada, here are a few details to double-check:

• Travel Insurance: A comprehensive Travel Insurance policy is crucial to helping you relax and enjoy your holiday in Canada with peace of mind. Make sure you have a policy that supports the activities you want to try on your adventure.
• Entry requirements: While Australian visitors generally don’t need a visa to enter Canada, you will need to apply for an Electronic Travel Authorisation before you can fly to Canada. You must also have your passport or equivalent travel document. 
• Medical consultation: Be sure to consult with your health professional about any vaccinations or other treatments you may need in Canada. You should also check to make sure any medication you plan to take is currently legal in Canada. 
• Emergency service information: It’s a good idea to keep relevant emergency numbers handy, including the Australian Embassy’s contact details. Emergency services in Canada can generally be contacted by 911. 
• Currency exchange: If you are going on a ski trip or travelling to rural destinations, some places may not accept card payments. Having enough Canadian dollars available can make it easier to pay for daily expenses while travelling.

Having a good idea of where you want to go in Canada can make the difference between a good holiday and a great one. Here are some must-see destinations in the Great White North:

• Banff National Park: Canada’s oldest national park is also one of its most beautiful locations. Featuring stunning alpine landscapes, tranquil lakes and plenty of outdoor activities, Banff National Park perfectly represents the very best that the Rockies have to offer. 
• Vancouver: This vibrant city offers a perfect blend of outdoor beauty with modern, urban sophistication. Experience the unique melting pot of Canadian culture at Stanley Park, or take a scenic drive along the Sea-to-Sky Highway. 
• Niagara Falls: Be sure to stop by one of the most iconic natural wonders in the world while you're visiting Canada! Niagara Falls is famous for the breathtaking Horseshoe Falls and offers illuminated falls at night, botanic gardens, and nearby scenic hikes. 
• Québec City: Québec City is a location out of time with strong historical French influences. The Historic District of Old Québec is one of Canada's most well-known UNESCO World Heritage Sites and embodies the city’s one-of-a-kind heritage and culture.