If you are planning to visit Canada on an International Experience Canada (IEC) / Working Holiday visa, you are required to have private travel/health insurance.
This is part of Canada’s basic IEC visa insurance requirements.
As soon as you receive your point of entry letter (POE), you are ready to start searching for the best travel insurance for Canada.
Your insurance policy must be valid for all the time you are expected to stay in Canada. If it is valid for less time than you are staying in Canada, your visa may expire prematurely. Without it, you may not be admitted to the country.
You may also be refused entry if you do not have insurance. That being said, you must find a company that offers 2-year travel insurance for Canada.
You cannot buy a short policy and extend it later.
It’s also best to keep in mind that buying the cheapest insurance is not the best idea.
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Private travel/ health insurance for IEC visa holders must cover medical care, hospitalisation and repatriation to your home country in case of injury or death.
Private travel insurance for working holidaymakers does cover some things that Government Health Insurance Plan Canada (GHIP) does not. Except for repatriation costs, they will pay for ambulance expenses, non-emergency expenses related to hospital visits and more.
Before purchasing travel insurance for your working holiday in Canada, you may need to check:
- if it covers trips outside of Canada
- what is the level of coverage for sport/winter sports ( for instance skiing, hiking might have an extra fee)
- if your luggage and personal belonging are covered
- how to contact the company in case of emergency
- is there any excess cost on the policy – this is the amount you need to pay when you make a claim. The best coverages are no excess ones.
Always read the policy wording before deciding which insurance is the right for you.
We made the research for you and here are some of your options, depending on which part of the world you come from (These are not affiliate links):
If you come from Europe:
*Keep in mind that Visa First offers special prices for Chapka and Blue Ins, so make sure you check them out.
If you come from Australia:
If you come from New Zealand:
The rest of the world:
- World Nomads – for over 140 countries