Best Travel Insurance For Canada – IEC Visa Insurance
After you receive your POE (point of entry) letter, it’s time to find the best travel insurance for Canada.
The International Experience Canada website states the following requirements:
For IEC working holiday visa in Canada, you must have health insurance for the entire time you are in Canada.
The health insurance must cover:
- Medical care
The government website states:
“We recommend you buy this insurance only after you receive your port of entry (POE) letter of introduction.
We can’t recommend specific insurance companies or plans, but you can search online for something that meets your needs.
You may be refused entry if you don’t have insurance.
If your insurance policy is valid for less time than your expected stay in Canada, your work permit may expire at the same time as your insurance.”
Provincial Canadian healthcare or medical cover from your employment typically do not cover repatriation costs.
Therefore you need to get separate 2-year travel insurance for Canada.
Many companies have policies built especially for the IEC visa, but it is essential to find the best travel insurance for Canada suitable for you.
We had to do our research based on several criteria and important inclusions.
Here are a few crucial questions you need to ask the insurance company before purchasing your 24-month travel insurance for Canada.
- What is the level of my coverage?
- Am I covered for trips outside of Canada?
We were planning to visit the USA and travel around Central America, so this was super important to us!
- What is your policy on trips home?
Some insurers do not allow trips home, others only allow a couple, and some enable unlimited trips back and forth.
Whether you plan to stay in Canada or visit home regularly, find out how your insurer covers you for home visits.
- Is there any excess?
You need to know how much you have to put out of your pocket to make a claim.
The best coverages are no excess ones- but usually, you will have to pay a bit more for these.
- Are your items and luggage covered?
It is critical for the company to cover you in case of luggage delay, bags lost by the carrier in transit (it happens!), stolen luggage, stolen passports etc.
- Are you covered for winter sports?
You might not think about it straight away, but once the winter season hits Canada, everyone skis or snowboards.
You might also want to hike the Rocky Mountains, so get the right cover!
- How do I contact the insurance company in case of emergency in Canada and abroad?
Save the phone number on our phone as soon as you purchase your coverage.
If something happens, you usually have limited time to inform your insurance provider of the situation and file a claim.
Based on the above criteria we found these three companies to have the best travel insurance for Canada.
Many of our Australian friends highly recommended the Fast Cover insurance.
It is not about choosing the cheapest IEC insurance but the best one that will cover you in any situation.
World Nomads travel insurance for Canada
World Nomads have travel insurance for independent travellers from more than 130+ countries around the world.
Their annual travel insurance offers excellent coverage for IEC Canada.
You can purchase Canadian or even Worldwide travel insurance for the duration of your trip.
World Nomads also allow you to purchase or extend the insurance even if you are already travelling.
We’ve used them on many occasions, and their coverage and quality of service are excellent.
We always went with the World Nomads worldwide coverage option as wanted to explore close by countries around our destination.
They cover you for cancellations, emergency assistance, repatriation, a lost or stolen item such as luggage, passports and much more.
World Nomads can even cover you for dental if you got an unexpected infection, you’ve broken your tooth or injured your mouth or jaw in an accident.
We found World Nomads travel insurance review great!
True Traveller travel insurance for Canada
True Traveller international experience Canada coverage is perfect for European travellers.
If you’re going to Canada on an IEC visa, you’ll need travel insurance which meets the requirements of the Canadian Immigration authorities.
True Traveller just like World Nomads, allows you to extend the policy or purchase a new plan even if you are already on the move.
True Traveller Insurance benefits include:
Medical and repatriation cover available for up to 2 years. You can claim while you’re still in Canada as there is no need to wait to return home.
You can easily extend your policy without returning home first, and there is no return ticket needed.
The best thing: you can go home and see you family if you get homesick without breaking the cover t&cs.
True Traveller coves 92 activities as standard!
These include bungee jumping, horse riding, safari touring, scuba diving to 18M and lots more activities you may end up partaking in on your trip.
True Traveller also includes non-manual work if you’re on a Working Holiday.
The Adventure, Extreme and Ultimate Activity Packs which you can select when you are applying for your insurance, cover even more activities.
These include rock climbing, trekking to unlimited altitudes as well as light manual labour on a Working Holiday.
We found True Traveller the best and cheapest IEC insurance for Canada from Europe.
Fast Cover travel insurance for Canada
Keep in mind that Fast Cover can initially only issue you with a 12-month policy.
Then, from your policy start date, you can log in to the Your Policy section of heir website and extend it up to the full two years. It all can be done prior to your departure for stressfree border crossing!
(The date changes are instantaneous, and you’ll be able to download your updated certificate immediately showing your new cover dates)
Their Basics, Standard Saver, Comprehensive & Snow Sports Plus policy options all include medical, hospitalisation and repatriation cover that fulfils the IEC visa requirements.
Other useful links:
Airbnb – We love Airbnb and use it everywhere you travel! If you are new to Airbnb follow the link for $55 discount of your first stay.
Booking.com – Perfect alternative to Airbnb when you need a short place to stay.
Hostelworld – If you need a cheap place to stay where you can meet other travellers, Hostelworld is the best.
Scotiabank unsecured credit card – You will need a credit card in Canada! Scotiabank have a great one specifically for travel.
CurrencyFair – Our favourite money transfer company. They are 8x cheaper than banks. Follow the link for 5 free transfers with CurrencyFair.
OFX – Another great money transfer company for larger transfers. We use them for large lump sums. Follow the link for free transfers for life over 1k.
Taxback.com – Every time we have to do our taxes or claim Superannuation we use these guys.
Sendmybag – Best company to ship your excess luggage to and from Australia. Follow our link for 5% discount of your shipment.
Skyscanner – Our go-to tool for finding cheap flights.
Fast Cover policies also include 24 hour Overseas Emergency Assistance for IEC travellers.
The Fast Cover policy also includes unlimited trips home to Australia during your working holiday visa in case you get homesick!
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Thanks for stopping by
Steve and Sabina