Winter Travel Insurance for Canadians—What’s the Best One?

The holiday season is just around the corner! Holiday shopping, family dinners, skiing and snowboarding, there’s just so much to look forward to! If you’re heading out-of-province to share the festivities with loved ones, buying last-minute gifts across the border, or having some long-awaited R&R abroad, it’s important to choose the right travel insurance! 

What’s the best travel insurance you can choose for your winter vacations?

It seems obvious, but the best travel insurance policy you can have is a comprehensive one, which offers coverage on a wide range of medical services. Emergency medical care is expensive outside of Canada, and your provincial health care plan will only cover a portion of costs outside of your province. Depending on your provider, travel insurance should be customizable to accommodate your personalized needs. With so many options to choose from, we’ll help break it down for you so you can make an informed decision! 

Skiing down mountains? Tanning on a beach? Don’t Forget Your Emergency Medical Insurance!

Who doesn’t deserve a vacation? A good vacation means worry-free relaxation—that’s why Emergency Medical Insurance should be at the top of your planning list. Don’t let unexpected, expensive medical bills ruin your much-needed getaway. This blog, “12 Ways Emergency Medical Travel Insurance Should Cover You,” encompasses all the nitty gritty details on coverage! Now, let’s take a look at some factors you should consider when choosing the best travel insurance for your winter vacation. 

Planning to travel more than once in the next 12 months?

Whether you’re crossing the border every other weekend, taking little trips here and there, or planning one big trip, read “The Value of an Annual Travel Insurance Policy for Canadian Travellers” to help navigate which plan is right for you.  

Travelling with others? 

Travelling with family and/or friends? If so, a Family & Friends plan may be the way to go! This plan covers two adults 59 years old or younger and up to 6 children. 

Got activities planned for your trip?

Whether you’re a relax-on-the-beach type of person or someone who wants to do all the activities, no matter what you do, always make sure you’re having fun. But don’t let too much fun ruin your vacation. Stay protected with travel insurance coverage for winter sports, surfing and more! 

If you’re a more daring adventurer, you should be able to get coverage for activities like mountain biking, scuba diving and more. With TuGo, all you have to do is add optional Sports & Activities Coverage to your Emergency Medical Insurance, and you’re good to go. 

Worried about cancellations, interruptions, or baggage delays? Consider non-medical travel insurance options

Aside from snowy landscapes and holiday cheer, winter also brings packed airports and unpredictable weather. Nobody wants to think about missed flights or lost luggage, but it pays to be prepared! Non-medical travel insurance is another great add-on to your emergency medical insurance. Particularly, look for Trip Cancellation & Trip Interruption Insurance as well as Baggage Insurance for a worry-free holiday. 

Trip Cancellation & Trip Interruption Insurance

If you have to cancel your trip before you’re scheduled to leave, or your trip is interrupted while on vacation, this plan covers non-refundable, unused, pre-paid costs like airfares, hotels and tours. It’s also available as a Single Trip or Multi Trip Annual policy

Unfortunately, you never know when the unexpected might happen. What if you or a loved one gets sick before your trip, or the government issues a travel advisory to avoid non-essential or all travel for your destination, or your airline cancels your flight? These things do happen, and it’s best to stay prepared. 

Bundle your coverage with comprehensive packages!

If you’re considering adding coverage like Trip Cancellation & Trip Interruption Insurance, it would be more affordable to choose a travel insurance package instead! TuGo has two packages: All Inclusive Holiday Package and Non-Medical Package.  

  • Our All Inclusive Holiday Package is the perfect economical option for Canadian travellers 59 and younger! It bundles Emergency Medical Insurance, Trip Cancellation & Trip Interruption Insurance, Accidental Death & Dismemberment Insurance, and Baggage Insurance plans. 
  • Our Non-Medical package includes Trip Cancellation & Trip Interruption Insurance, Accidental Death & Dismemberment Insurance and Baggage Insurance plans—for missed flights, lost baggage and more. 

Wherever you go and whatever you do, we hope you have a fantastic trip!  

Happy holidays and safe travels, 

Editor’s Note: This post was originally published in December 2021 and has been updated for freshness and/or accuracy. 

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