IEC Canada Travel Insurance: Complete Guide for Your Two Year Working Holiday Visa
Why You Need IEC Specific Insurance for Canada
If you are heading to Canada on a Working Holiday Visa under the International Experience Canada (IEC) program, you must have valid travel and medical insurance that covers you for the entire duration of your stay.
This requirement is not optional. When you arrive in Canada, immigration officers can ask to see proof of your insurance. If your policy only covers part of your stay, they may issue your visa for a shorter period.
For most travellers, this means arranging up to two years of continuous cover. Having the right insurance protects you from unexpected medical costs and ensures you meet all IEC visa conditions.
👉 Compare trusted IEC travel insurance options here
1. What Is IEC Travel Insurance
IEC stands for International Experience Canada, a program that allows young travellers from countries such as Ireland, the UK, and across Europe to live and work in Canada for up to two years.
IEC travel insurance is different from regular travel insurance. It must include:
-
Medical care
-
Hospitalisation
-
Repatriation to your home country
These requirements make IEC insurance more specialised. A normal tourist policy usually does not cover such a long stay or the level of protection needed for visa approval.
👉 See our full guide to travel insurance for Canada
2. IEC Health Insurance Requirements
Before you apply or arrive in Canada, you should understand what is required for your IEC visa.
Your insurance must:
-
Cover the entire duration of your stay, up to 24 months
-
Include medical care, hospitalisation, and repatriation
-
Be presented at the border when you activate your visa
It is a good idea to carry a printed copy of your policy and confirmation of coverage dates. Immigration officers sometimes request proof on arrival. If your policy only covers one year, your visa may only be granted for that period.
3. Why Most Travellers Choose Best Quote for IEC Insurance
Many travellers use Best Quote because they understand the specific needs of IEC visa holders. Their policy includes features that go beyond basic coverage.
✅ Maple Tele Health access lets you speak with a Canadian doctor online from anywhere in the country.
✅ Refunds of up to 25 percent are available if you qualify for provincial healthcare later.
✅ Non winter sports option helps non skiers save money with a cheaper plan.
✅ Two year coverage meets all IEC requirements from the start.
✅ Easy partial refunds if you leave Canada early.
👉 Check the latest IEC policy options on Best Quote
4. One Year vs Two Year Travel Insurance
Most travellers now apply for the two year IEC visa, and buying only one year of cover can cause real problems. Border officers can shorten your visa to match your insurance period. For example, if your policy lasts 12 months, your visa might be approved for only 12 months instead of 24.
To avoid this, choose a full two year policy from the beginning. It ensures you receive the complete visa period and keeps you covered for your entire stay in Canada.
👉 Compare two year IEC insurance options here
5. Common Questions About IEC Insurance
Do I need IEC insurance before I land in Canada?
Yes, you must have valid insurance when you arrive. Immigration officers will not activate your visa without proof.
Can I get a refund if I leave early?
Yes. Best Quote allows partial refunds if you return home early or become eligible for provincial health coverage.
Does IEC insurance cover winter sports?
Only if you choose that option. If you do not plan to ski or snowboard, select the cheaper non winter sports plan.
Is IEC health insurance the same as travel insurance?
No. IEC insurance is designed for long stay working holidays. It includes repatriation and emergency medical care for the full visa duration.
6. Tips Before You Buy
-
Double check your visa dates and buy a policy that matches the entire period.
-
Keep a printed and digital copy of your policy certificate.
-
Avoid buying short term policies because renewals often do not meet border requirements.
-
Choose a provider that understands IEC visas, such as Best Quote, True Traveller, or Letz Insure.
7. Final Thoughts
Your IEC visa is your ticket to two incredible years in Canada. Do not risk having your stay shortened because of incomplete or incorrect insurance. Get your cover in place before you fly, and you can focus on the exciting parts of your adventure.