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A turquoise glacial lake surrounded by snow-capped mountains and pine forest, with the peaks reflected in the still water.

Travel Insurance for Canada

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Fully Covered with LUMA

LUMA travel insurance helps protect your Canada trip, from city breaks and scenic drives to outdoor adventures and long-distance travel.
  • 4.8
  • 4.0 Rating

  • Trusted by 100,000+ travelers

  • A decade of travel cover

  • Backed by medical guidance

  • Instant online purchase

Is My Baggage, Health, Trip Covered?

  • damage, loss
  • sudden sickness, hospital expense
  • delays, cancellations

Yes!

  • On-the-ground teams and global partners ensure care is always nearby.

    Hands

  • 24/7 English-speaking assistance with coverage curated for Finland

    Calling

  • Practical support backed by decade-long experience and deep-rooted hospital networks.

    Shield

  • Direct access to our in-house medical team (Medipro) for real medical advice.

    Stethoscope
Canada calling? We go above and beyond to make sure your trip stays golden.
  • A couple walking hand in hand down a cobblestone street lined with red flowering vines and a flag hanging overhead.
    A cobblestone alley lined with flower-draped buildings, outdoor cafes, and pedestrians strolling past.
    A turquoise glacial river rushing over rocks through a forested valley, with mountains rising in the background.

    01 Medical emergency in a remote area?

    The Canadian Rockies, Yukon, and national parks are among the world's most spectacular destinations and some of the most remote. Cell coverage drops outside major cities, and a serious injury or illness out here means getting to proper care takes time. Air evacuation from those areas can cost $100,000 or more. LUMA arranges evacuation to a better-equipped hospital and covers the costs so where you are doesn't limit the care you can get.

  • A person walking a dog down a snowy city sidewalk, with a tall historic building and street signs in the background.
    The historic red-brick Gooderham (Flatiron) Building at a city intersection, with modern skyscrapers behind it.
    A bare winter tree beside a snow-dusted stone staircase, with historic buildings visible in the background.

    02 Ski injury at a Canadian resort?

    Canada's mountain resorts attract serious skiers from around the world, and a fall on the slopes can mean a clinic visit or a hospital stay at full visitor rates. LUMA covers skiing accidents, so if you do come off the mountain, the medical costs are taken care of, and you can focus on getting back on your feet.

  • The historic Fairmont Château Laurier hotel beside a set of stone canal locks with cascading water.
    A group of people standing along a turquoise glacial river with mountain peaks and pine trees in the background.
    A woman seen from behind holding a Canadian flag around her shoulders, facing snow-capped mountains.

    03 Fell ill or hurt on a long road trip?

    Canada's most iconic drives, through the Rockies, along the Atlantic coast, or across the prairies, put real distances between you and the nearest hospital. A sudden illness or an accident mid-route means getting to proper care can take time, and as a visitor you pay for all of it yourself. LUMA covers the medical costs and arranges transfer to a better facility if what's nearby isn't enough.

  • The turreted Château Frontenac hotel overlooking a riverside park with a path and benches, under a clear sky.
    The domed British Columbia Parliament Building in Victoria, with a fountain and manicured lawn in front under a clear blue sky.
    A historic stone building with a domed clock tower, housing a museum, under a partly cloudy sky.

    04 Flight delayed by winter weather?

    Snow, ice, and freezing conditions can disrupt flights across Canada, especially during the winter months. A long delay can quickly lead to extra spending on meals, transport, or an unexpected hotel stay. If the delay meets your plan conditions, LUMA can help reimburse those added costs so the disruption does not become an expensive one.

  • A person in a yellow jacket looking through a coin-operated viewing telescope in a forest overlook.
    A wet cobblestone street lined with historic buildings and shops, with a few pedestrians walking in the old town.
    A large white Ferris wheel against a bright blue sky, with people gathered below.

    05 Canada trip cancelled before you fly?

    A trip to Canada can involve high upfront costs, especially for flights and accommodation. If illness, injury, or a family emergency forces you to cancel, LUMA can help reimburse prepaid, non-refundable expenses so you are not left paying for a trip you cannot take.

Toronto's skyline at dusk, with the CN Tower illuminated and lit skyscrapers reflecting over the waterfront.
A nighttime view of Toronto's illuminated CN Tower and skyline along a walkway with red sculptural benches.
The domed British Columbia Parliament Building with a Canadian flag hanging above the entrance, seen across a lawn.
A snowy waterfront boardwalk with vintage lampposts and a Ferris wheel in the background under an overcast sky.
A person standing on a rocky lakeshore facing snow-capped mountains, with small cabins visible along the water's edge.
Toronto's CN Tower and skyscrapers rising above the waterfront, with people walking along the harbor promenade.
A flower-lined pathway leading toward a mountain peak, with pine trees and a partly cloudy sky in Banff.
A turquoise glacial river rushing through a forested canyon with rocky banks.
A tall waterfall cascading down a rocky cliff into a valley of orange autumn trees, with a footbridge crossing below.
Turquoise Moraine Lake in Banff National Park with kayaks docked along the shore, framed by snow-capped mountains and forest.
A wet cobblestone street lined with historic buildings and shops, with a few pedestrians walking in the old town.
A person in a yellow jacket looking through a coin-operated viewing telescope in a forest overlook.
The domed British Columbia Parliament Building in Victoria, with a fountain and manicured lawn in front under a clear blue sky.
The turreted Château Frontenac hotel overlooking a riverside park with a path and benches, under a clear sky.
A group of people standing along a turquoise glacial river with mountain peaks and pine trees in the background.
The historic Fairmont Château Laurier hotel beside a set of stone canal locks with cascading water.
The historic red-brick Gooderham (Flatiron) Building at a city intersection, with modern skyscrapers behind it.
A person walking a dog down a snowy city sidewalk, with a tall historic building and street signs in the background.
A cobblestone alley lined with flower-draped buildings, outdoor cafes, and pedestrians strolling past.
A couple walking hand in hand down a cobblestone street lined with red flowering vines and a flag hanging overhead.

Your Canada Travel Insurance Questions, Answered

A person kayaking on a turquoise glacial lake surrounded by forested mountains under a blue sky.

Yes, very. Canada holds a Level 1 travel advisory from the US State Department and consistently ranks among the world's safest destinations. Violent crime against tourists is rare, and the country is welcoming and easy to navigate. The practical risks visitors face are environmental rather than safety-related: wildlife on roads and trails, rapidly changing weather in mountain regions, and the sheer distances involved between destinations. Those are the situations where having cover makes the real difference.

No. Canada's universal health system is for residents only, and tourists pay for all medical care themselves. A single day in a Canadian hospital can cost thousands of dollars, and a medical evacuation from a remote area can cost $100,000 or more when air transport is needed. LUMA covers medical expenses under your plan so those costs don't land entirely on you.

Yes. Canada has excellent hospitals in major cities, but facilities thin out quickly in remote areas, and all visitors pay for treatment themselves. Whether it's a skiing injury at a mountain resort, a sudden illness mid-road trip, or a wildlife-related accident in a national park, LUMA covers the medical costs under your plan. Medipro can also help you decide whether your symptoms need a doctor and what kind of facility makes sense.

Yes. Canada is the second-largest country in the world, and a serious illness or injury in a national park or northern wilderness can mean you're hours from a properly equipped hospital. Cell coverage drops outside major cities, making self-coordination nearly impossible. LUMA arranges medical evacuation when local care isn't enough and covers the costs, so the remoteness of where you are doesn't become the deciding factor in your care.

It depends on your nationality. As of 2026, citizens of many countries, including the US, can enter Canada visa-free for short tourist stays but must hold a valid Electronic Travel Authorization (eTA) obtained online before departure. Indian passport holders need to apply for a visitor visa in advance through Canada's Immigration, Refugees and Citizenship Canada portal. Check the current requirements for your nationality on the official IRCC website before booking.

Yes. Seasonal wildfires in western provinces can affect air quality and close roads with little notice, and rapidly changing weather in mountain regions can ground flights and shut highways in any season. Monitor Environment and Climate Change Canada before any travel day in affected regions. If you are forced to cut your trip short, LUMA plans with trip interruption cover step in to help with unused prepaid costs so the disruption doesn't hit your wallet twice.

Go places, we’ve got you covered.

  • A Canadian flag flying on a pole in front of jagged, snow-dusted mountain peaks and pine forest under a cloudy sky.
  • A turquoise glacial lake framed by pine trees, with small red canoes on the water and snow-capped mountains in the distance.
    Canada
  • Toronto's skyline and CN Tower seen across the water on a clear day, with sailboats along the waterfront.

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