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Get the best price on
travel insurance

You could save hundred of dollars when you compare prices before buying travel insurance

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1-888-542-0028

Get up to three travel insurance quotes by answering a few questions

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Get a travel insurance quote in just a few minutes

How to shop for your next travel insurance policy with Hardbacon

Comparing prices from multiple providers before choosing a travel insurance policy usually lets you save a lot of money, which you can save or spend on your vacation. Here are the 4 steps to follow.

Tell us where you are located

The first step is to enter your postal code in the box on the left and click "Compare". Your postal code will let us know which Canadian province you are in so that we can send you to the right partner.

Tell us more about your trip

The second step is to fill out the information sheet from our partner, which starts by asking you questions about the trip that you to insure, such as the destination and your leaving and return dates.

Select the type of coverage you want

The third step is to choose the insurance you want from those offered based on the coverage that you need and the price you want to pay.

Tell us more about yourself

The fourth step before submitting your request is to tell us how to reach you, so that we can send you the quote properly.

Some tips to save money on your next Canadian travel insurance policy

Make certain that you are not already covered

The best way to save money on your next travel insurance policy is to not buy one because you are already covered. You might already be sufficiently covered though your work or with your credit card. Before doing anything, make certain that you know the amount of coverage and the terms and conditions of any coverage that you already have.

If you travel a lot, choose an annual travel insurance plan

If you travel more than twice a year, it might be beneficial for you to get an annual travel insurance policy that covers you for 12 months. Not only will you benefit from coverage but it will save you the hassle of shopping for insurance throughout the year.

Buy insurance before your birthday

Age is an important factor in determining the price of your travel insurance; the older you are, the more your policy will cost. buying your travel insurance policy a few weeks or a few months before your birthday can save you some money.

Ask for a rebate from your exisitng insurer

Many insurance providers offer rebates to clients who combine different insurance products under one roof. Before you take out a travel insurance policy, check with your current insurance broker or your insurance company to see if you are eligible for a rebate if you take out the policy with them.

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Find out more about travel insurance

Frequently asked questions about travel insurance

Can you cancel travel insurance once you've bought it?

In Canada, you have up to 15 days after purchasing your policy to cancel your insurance, but you cannot cancel once the trip has started.

Is it worth it to buy travel insurance if your credit card already covers you for travel?

Travel insurance provided by your credit card might be enough for your needs ... and it might not. It all depends on the coverage offered as well as your needs.

Do you have to have travel medical insurance to travel in Canada?

It is not mandatory to have travel insurance when travelling in Canada. However, foreigners will have to pay the entire bill if they need medical care in Canada and do not have travel medical insurance. Canadians who travel to other provinces and territories within Canada are not necessarily complete covered by their home province provincial health insurance, For example, if the medical care offered in the other province is more expensive than the equivalent care offered in your home province, or if the service is not covered by your provincial insurance, you will have to pay the outstanding costs yourself.

Can you buy travel insurance once you're started your trip?

You can still buy travel insurance even after you've started your trip, however it is not recommended. Not every type of policy is available once you start your trip, and you might end up paying more for less coverage. Plus if there is any problem before the coverage comes into effect, you won't be covered.

Will medicare reimburse me for medical costs incurred outside of the country if I don't have travel insurance?

If you don't have travel medical insurance and you receive medical care outside of Canada, your provincial health care should reimburse you for some or all of the cost. once you submit your medical bill. However, the health insurance offered to Canadians abroad is partial because the provincial health insurance up to the cost of treatment in their own hospital and clinics. That means that if you pay more than it would cost at home, you are on the hook to pay the difference. There are also some treatments that might not be covered at all.

Why should I buy trip cancellation insurance?

Trip cancellation insurance can avoid losing the non-refundable amount of money that you have already paid in the event of an unforeseen cancellation or shortening of your trip. For example, if you become ill and have to cancel your trip, your cancellation insurance policy will reimburse you for your flights, hotel rooms and any other travel-related expenses you paid in advance.

Does travel insurance cover theft?

Not all travel insurance policies cover theft of personal belongings during your trip. However, it is a coverage that is often included in travel insurance policies. Also, be aware that your home insurance policy also covers theft of personal effects, even if it occurs while you are travelling.

How much travel medical insurance do I need?

The amount of coverage you need for your travel insurance depends greatly on the country you are visiting, as health care costs vary greatly from country to country. For example, your coverage should be higher for a trip to the United States, where health care is among the most expensive in the world, than for a trip to Romania, where health care is more affordable than in Canada. Beyond the cost of health care in the country you wish to visit, the distance and isolation of your destination may have an impact on the amount of coverage required, as in the event of a serious medical problem, you may have to be flown in by air ambulance to receive health care in Canada. While most travel insurance plans offer coverage of between $1 million and $10 million, most experts agree that coverage of at least $1 million is necessary for peace of mind.

Do you need travel insurance to go to Europe?

Travel insurance is not required when travelling to a country in the European Union. However, Canadians travelling in Europe are only partially covered. The health insurance coverage available to Canadians abroad is partial, as provincial health insurance plans will only reimburse up to the cost of treatment in their hospitals and clinics. If you have paid more for health care abroad than it costs in your province, you will have to pay the difference.

Does travel insurance cover canceled hotel reservations and flight changes?

f you have trip cancellation and interruption insurance, you can be reimbursed for the cost of reserving your hotel room, as well as the non-refundable portion of your airline ticket, in the event that an event beyond your control forces you to interrupt or modify your trip at the last minute.

Get the best price on
travel insurance

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Get up to three travel insurance quotes by answering a few questions

In collaboration with
securiglobe-affiliate

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