Travel, Pet & Other Insurance in Canada

This hub covers the insurance Canadians buy for specific situations rather than every day: medical coverage for trips outside the country, long winter stays and visiting parents, coverage for pets, extra liability protection above home and auto limits, and insurance for a small business. It also holds the guides that apply to every kind of policy, from filing a claim to understanding why a renewal went up. Car, home and life insurance each have their own hub, listed on the Canadian insurance overview.

Disability, critical illness, health, dental and long-term care insurance now sit with life insurance in the life, health and disability insurance hub.

Travel insurance

Provincial health plans pay only a small daily amount for care outside Canada, so the travel guides start with that gap and move on to choosing a policy.

Is travel insurance worth it?: What OHIP, MSP, AHCIP, RAMQ and the other provincial plans pay abroad, what care costs in the US and elsewhere, and when a credit card’s coverage is enough.
Best travel insurance in Canada: Manulife, Blue Cross, Allianz, TuGo and other providers compared, with what drives the price, what each part of a policy covers, annual multi-trip plans and cancel-for-any-reason add-ons.
Travel insurance for snowbirds: Long-stay policies from Manulife, Blue Cross, TuGo and Medipac, how stability clauses pass or fail, and the provincial residency rules for time away.
Super visa insurance: IRCC’s coverage requirements for visiting parents and grandparents, what drives the cost, pre-existing condition coverage, and an application checklist.

Pet, liability and business insurance

Pet insurance in Canada: How reimbursement works, average premiums, exclusions such as waiting periods and bilateral conditions, and the main providers compared.
Umbrella insurance: Personal excess liability above your home and auto limits: what it covers, what sets the price, how it compares with raising your home or auto limits, and which households benefit most.
Business insurance: Commercial general liability, professional liability, workers’ compensation by province, and coverage for home-based businesses and freelancers.

Guides for every type of insurance

These apply whether the policy is for a car, a home, a trip or a pet.

How to file an insurance claim: Step-by-step claim processes for auto, home, life and travel insurance, with the documents each one needs.
What to do when an insurance claim is denied: Common reasons for denial, the appeal steps, the GIO and OLHI ombudservices, and limitation periods by province.
Insurance deductibles explained: How deductibles work for car, home, condo and pet insurance, how the deductible you choose affects the premium, and how to pick one.
Insurance broker vs buying direct: How brokers are paid, when each route tends to work better, and the difference at claim time.
Why did my insurance premium go up?: The auto and home factors behind renewal increases, why claims follow you to a new insurer, and what lowers the price.