Travel on a Budget
Travel Insurance for Canadians 2026 — What You Actually Need
Travel insurance is one area where many Canadians massively overspend — or dangerously underspend. Knowing what your credit card already covers and what gaps you need to fill is essential.
What Your Credit Card Already Covers
Many premium travel credit cards include travel insurance as a benefit — trip cancellation, emergency medical, and baggage delay coverage at no additional cost. Check your card's benefits guide carefully before buying separate insurance.
What You Actually Need
- Emergency medical — most critical, especially for the US
- Emergency evacuation — essential for remote destinations
- Trip cancellation — valuable for non-refundable bookings
Best Providers
- Blue Cross Canada — comprehensive coverage
- Manulife Travel Insurance — flexible options
- Travel Guard — good for adventure activities
- TuGo — competitive pricing, 24/7 assistance
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