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Domestic Travel Insurance

Travel insurance may cover your trips within Canada that are outside of your home province

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At a glance

  • Single and annual plans for Canadians: World Nomads offers single trip and annual multi-trip travel insurance plans for Canadian residents
  • Domestic and international coverage options: In addition to international trips, domestic trips that are outside of your home province may also be covered
  • Protection for medical emergencies, delays and disasters: Coverage for emergency medical expenses, trip delay, lost bags, natural disasters and more may be included (up to the maximum limits shown in your policy documents) 
  • Extra benefits on select plans: Some plans offer additional benefits such as coverage for pets and rental cars 

Why should I consider buying domestic travel insurance for trips within Canada?  

Maybe your next trip won’t include crossing an ocean or boarding a plane. But just because you’re travelling within Canada doesn’t mean that unexpected situations can’t happen. World Nomads offers single trip and annual multi-trip plans for Canadian residents, and coverage starts when you leave your home province. Sometimes situations like sickness, job loss, and natural disasters can disrupt your trip. As if that’s not bad enough, it’s worse when you lose the money that you already paid for your trip. If you need to cancel or interrupt your trip for a covered reason, you may be reimbursed for your prepaid, unused, non-refundable expenses such as hotel accommodations and tours.

If you get injured while skiing in Whistler or hiking in Banff National Park, your Government Health Insurance Plan may not cover all expenses. Full GHIP benefits typically stop as soon as you leave your province. Domestic travel insurance may include emergency medical coverage that covers expenses such as ambulance transportation, prescription medications and more. Lost, stolen, and delayed bags may also be covered, and some plans offer additional benefits, such as travel insurance coverage for pets and rental cars (up to the maximum limits as shown in your policy documents).

Exclusions  

  • Pre-existing conditions, as outlined in your policy documents 
  • Injuries or sickness related to drug or alcohol use
  • Non-emergency treatment that can wait until you return to your home province 
  • Expenses that are fully covered by your Government Health Insurance Plan or another party
  • Participation in activities not listed as covered in your policy documents
  • Travel within your home province
  • Situations outside of the limits, terms, and conditions of coverage stated in your policy documents

Maximum Coverage Limits

Standard PlanExplorer PlanEpic PlanAnnual Plan

Emergency Medical Expenses: Up to $1,500,000 CAD 

Trip Cancellation: Up to $2,500 CAD 

Lost or Stolen Bags: Up to $1,000 CAD, per-item limit of $500 CAD 



Get a quote

Emergency Medical: Up to $5,000,000 CAD 

Trip Cancellation: Up to $10,000 CAD 

Lost or Stolen Bags: Up to $2,000 CAD, per-item limit of $1,000 CAD 



Get a quote

Emergency Medical: Up to $10,000,000 CAD 

Trip Cancellation: Up to $15,000 CAD 

Lost or Stolen Bags: Up to $5,000 CAD, per-item limit of $1,500 CAD 



Get a quote

Emergency Medical: Up to $5,000,000 CAD 

Trip Cancellation: Up to $10,000 CAD 

Lost or Stolen Bags: Up to $2,000 CAD, per-item limit of $1,000 CAD 



Get a quote
Compare all benefits and plans

How to Make a Travel Insurance Claim  

Hopefully, your trip will go smoothly and won’t need to use your travel insurance benefits. But if your trip takes a turn for the worse and you experience a covered, unplanned circumstance, you’ll need to contact us as soon as possible and provide certain information that may include: 

  • Your name and contact information 
  • Your policy number 
  • The type of loss, as well as the amount 
  • The name of your travel suppliers 
  • The trip dates 
  • The amount you paid for your trip

You can then file a claim online. Depending on the reason for your claim, you’ll need to provide required documentation that may include:

  • Receipts and invoices 
  • Itineraries
  • A statement from your physician
  • Written documentation from the travel provider that explains the reason for your loss 
  • Proof of payment for the trip such as cancelled cheque or credit card statements 

Travel Ideas for Trips Within Canada 

We Canadians love exploring within our country. Data from the Canadian Government shows that domestic trips are on the rise – by double digits, in some cases. If you’re looking for inspiration for your next trip, here are a few ideas from our nomads who’ve explored Canada and experienced some really cool things along the way.

FAQ

Here are our most frequently asked questions about cover for non-insurance services. You can also find the answers to other questions in our Help Center or you can ask the customer service team.

  • Can I buy travel insurance after I’ve already left home?

    Yes. With World Nomads, you may be able to buy a travel insurance plan even after your trip has started. As long as you have an internet connection, you can get a quote and purchase coverage online. If you buy a World Nomads plan while travelling, waiting periods and conditions may apply. There is a 48-hour waiting period before you have emergency medical coverage for injury or sickness. Also, after an event has occurred, like a natural disaster, you can’t be covered for that specific event.

  • Am I required to have a GHIP if I am travelling?
    You must have Government Health Insurance Plan (GHIP) coverage in your home province for your entire trip to be eligible for the maximum emergency medical expenses benefit. If you don't, your total limit for all emergency medical expenses is limited to $40,000.
  • Does domestic travel insurance include rental car protection?

    Rental car insurance benefits are only included on the Explorer, Epic, and Annual Multi-Trip plans for Canadian residents. You may be reimbursed for the cost of repairing a rental car, or replacing it, if it gets seriously damaged. You may also be reimbursed for roadside assistance charges if your rental car breaks down (up to maximum benefits shown in your policy documents). If you have questions about what may be covered, contact us and ask.

This article is for general informational purposes only. It is not intended to provide medical, legal, insurance, or travel advice and provides only a general summary of certain features that may be available under applicable travel insurance policies. Coverage is subject to the specific terms, conditions, limitations, exclusions, and pre-existing condition provisions of the applicable insurance policy. In the event of any inconsistency between this article and the wording of any insurance policy, the policy wording shall govern and take precedence. It is important that you read and understand your policy before travelling. If you have questions about your coverage or are unsure how your policy applies to your circumstances, please contact us for clarification.

Travel Insurance Benefits: how we can take care of you

Trip Cancellation

Insurance protection for your hard earned vacation in the event of unexpected cancellation.

  • Standard Plan: $2,500
  • Explorer Plan: $10,000
  • Epic Plan: $15,000
  • AMT Plan: $10,000
Trip Protection
  • Unexpectedly hospitalized?
  • Travel buddy unfit to travel?
  • Close relative suddenly dies?

We’ve got your back.

Emergency Medical Insurance

Help take the pain out of medical or dental costs.

  • Standard Plan: $1,500,000
  • Explorer Plan: $5,000,000
  • Epic Plan: $10,000,000
  • Annual Plan: $5,000,000
Emergency Medical Insurance
  • Need meds quick?
  • Accidentally injured?
  • Suddenly sick?

We’ve got your back.

Emergency Evacuation & Repatriation

We’ll get you to hospital or home quickly.

  • Standard Plan: $250,000
  • Explorer Plan: $500,000
  • Epic Plan: $750,000
  • Annual Plan: $500,000
Emergency Evacuation & Repatriation
  • Banged up abroad?
  • Need a hospital urgently?
  • Medevac home?

Help starts here.

Gear & Baggage Protection

Coverage for the theft, damage or delay of your bags, tech and sports gear.

  • Standard Plan: $1,000
  • Explorer Plan: $2,000
  • Epic Plan: $5,000
  • Annual Plan: $2,000
Protect your gear
  • Passport or tech stolen?
  • Airline lost your gear?
  • Bags delayed?

Help starts here.

Protect your health

  • Emergency Medical & Dental Expenses
  • Emergency Evacuation and Repatriation
  • Bedside Companion Travel and Subsistence
  • Emergency Professional Services
  • Return of Remains
  • Return of Travel Companion/Dependent Children

Protect your trip

  • Trip Cancellation
  • Trip Interruption
  • Trip Delay
  • Optional Cancel for Any Reason (Explorer or Epic)
  • Trip Exchange (Explorer, Epic or AMT)
  • Rental Vehicle Damage (Explorer, Epic or AMT)

Protect your stuff

  • Baggage and Personal Effects Theft or Damage
  • Baggage and Sporting Equipment Delay
  • Travel Documents Theft or Damage
  • Sporting Equipment Theft or Loss by a Common Carrier
  • Covered Adventure Sports listed in Policy

Assistance Services

  • 24/7 Worldwide Emergency Medical Assistance
  • Worldwide Travel Assistance
  • Personal Security Assistance
  • Adventure Traveller’s Hotline
  • Bag Trak
This is a general summary for Canadian residents only. It does not include all terms, conditions, limitations, exclusions and termination provisions of the travel insurance plans described. Coverage may not be available for residents of all provinces. Check the Travel Insurance Policy for full details.