Travel Insurance for Canadians: Emergency Medical, Trip Cancellation & More

Whether you're planning a tropical getaway, visiting family abroad, or heading south for the winter, travel insurance protects you from unexpected costs that can turn a dream trip into a financial headache. At Western Financial Group, we make it easy to find the right travel insurance for your journey with coverage that fits your needs, your budget, and your peace of mind.

From emergency medical and trip cancellations to COVID-19 protection and baggage coverage, we help Canadians travel with confidence. Our trusted travel insurance partners like TuGo provide flexible plans tailored for everything from weekend trips to snowbird winters abroad.

Keep reading to explore your travel insurance options — and check out our FAQs at the bottom to help you choose the right plan.

Protect Your Trip with Travel Insurance

TuGo, Western Financial Group's trusted travel insurance provider, is your perfect travel partner.

Click below to start your Travel Insurance Quote today!

Why Travel Insurance Matters

Even the most carefully planned trips can go off course. Travel insurance provides financial protection when things go wrong, such as:

Medical emergencies: Out-of-country hospital bills, ambulance fees, or doctor visits can cost thousands without coverage.
Trip cancellations or delays: Get reimbursed if you can’t travel due to illness, weather, or other unexpected events.
Baggage loss or delay: Replace lost luggage or essential items so you're not stranded without your belongings.
COVID-19 interruptions: Travel protection for certain pandemic-related medical issues or quarantines may be included in eligible plans.
Snowbird coverage: Protect your health while spending months in warmer climates like Arizona, Florida, or Mexico.

What Does Travel Insurance Cover?

Our plans offer a variety of coverage types to match your trip and risk level:

Emergency Medical Coverage

Out-of-country medical costs can be financially devastating. Travel insurance ensures you won’t have to pay out-of-pocket for eligible emergencies — including hospitalization, ambulance, and physician care.

Trip Cancellation & Trip Interruption Insurance

If you need to cancel before departure or cut your trip short due to illness, family emergencies, or travel advisories, this coverage helps recover non-refundable costs like flights, hotels, and tour packages.

Baggage & Personal Effects Insurance

Covers lost, stolen, or delayed baggage — so you can get back to enjoying your trip without the stress of replacing everything out-of-pocket.

Accidental Death & Dismemberment (AD&D)

This benefit provides financial support to your loved ones in the event of a serious accident while traveling.

Optional Add-ons

Rental car damage insurance
Coverage for pre-existing medical conditions
Adventure sport and cruise-specific insurance
Annual multi-trip plans for frequent travelers

Tailored Travel Insurance for Every Kind of Canadian Traveller

Snowbirds & Seniors

Heading south for the winter? We offer long-stay travel insurance for retirees and snowbirds, with up to 180-day plans and the option to extend. Get protection for stable pre-existing conditions and top-up coverage if you’re extending your stay.

Families & Group Travel

Whether you're heading to Disneyland or Europe with the kids, we offer family travel plans that cover multiple members under one policy — making it easier and more affordable to protect everyone in your group.

Students & Working Holidays

If you're studying abroad or on a working visa, we offer customizable plans for long-term travel and international living, including medical and trip interruption coverage.

Top 5 FAQs About Travel Insurance

1. Is travel insurance mandatory for Canadians?

No, but many countries require proof of coverage to enter. More importantly, provincial health plans don’t fully cover you outside Canada.

2. Can I get travel insurance with pre-existing conditions?

Yes — many plans offer coverage for stable conditions. Talk to an advisor to determine eligibility and plan options.

3. When should I buy travel insurance?

Buy as soon as you book your trip. This ensures you’re protected from cancellation risks starting immediately.

4. Does travel insurance cover COVID-19?

Many plans include limited COVID-19 emergency coverage. Always check the fine print or speak with a Western advisor.

5. What’s the difference between single-trip and multi-trip plans?

Single-trip plans cover one specific journey. Multi-trip (or annual) plans cover unlimited trips within a 12-month period — great for frequent travelers.

Why choose Western?

With over 100 years of insurance expertise trusted by Canadians, Western Financial Group brings a deep understanding of what travelers need to feel secure. Our licensed advisors take the time to help you choose the right policy based on your travel plans, whether it’s a weekend getaway or an extended winter stay abroad. We’ve partnered with leading travel insurance providers like TuGo to offer trusted coverage options, and we make it easy to access quotes and support through our competitive pricing and user-friendly digital tools. We’re more than a broker — we’re your travel insurance partner, guiding you every step of the way.

Get a Quote TODAY!