The Best Travel Insurance in Ontario: A Practical Guide (2024)

Looking for the best travel insurance in Ontario and the rest of Canada? Travel insurance is an absolute essential when you’re travelling outside of the province. Accidents and emergency situations happen all the time. It’s best to be well-equipped should these potential pitfalls arise.

We’re going to explain why you need travel insurance and include a brief guide to how travel insurance works. Then, we’ll introduce you to our insurance company of choice, soNomad. They’ve quickly become our new favourite travel insurance company due to their simple and low cost approach. Who said that travel insurance had to be complicated and expensive?

Posts may be sponsored. Post contains affiliate links. I may be compensated if you make a purchase using my link.

Why Do I Need Travel Insurance?

Everyone needs travel insurance, plain and simple. If you are travelling outside of Canada, you need travel insurance. While visiting new destinations and embarking on new adventures can be incredible, life-changing experiences, it’s always best to expect the unexpected. Anything can happen when you’re away, and these situations become much more complicated when you’re not close to home.

Travel insurance provides a safety net should the unexpected happen. You could face a medical emergency, unanticipated trip cancellations, or family emergencies where you need to travel back home earlier than expected. There might be other problems like flight cancellations, lost baggage, or even natural disasters.

Travel insurance is for everyone. It doesn’t matter whether you’re a business traveller, student on exchange, backpacker, frequent traveller, cruiser, senior or retiree, expatriate, or any kind of tourist. If you’re leaving the country, please plan ahead and protect yourself with a travel insurance policy.

The Best Travel Insurance in Ontario: soNomad

After reviewing and trying several travel insurance companies, soNomad stands out as the best travel insurance in Ontario. They describe themselves as a “no-nonsense travel insurance company”. I love that. You have enough planning to do for your trip, so why should travel insurance be overly complicated?

soNomad has reinvented travel insurance and you will save up to 25% in the process when compared to other travel insurance companies. They can offer lower travel insurance prices as they have access to exclusive products that are not offered by other companies.

Their policies offer emergency medical coverage to Canadians travelling outside of their provinces. soNomad’s trip cancellation and interruption insurance protects you from financial costs associated with unexpected events.

soNomad also offers travel insurance for visitors to Canada. If you live outside of Canada but you’re planning a trip to Canada, you can take advantage of their “visitors to Canada travel insurance”. This will save you from costly medical bills while you travel to Canada.

Best Travel Insurance in Ontario: What Does soNomad Cover?

soNomad offers extensive travel insurance coverage in a variety of areas. When it comes to travel medical insurance, trip cancellation or interruption, flight delays or cancellation, baggage insurance, emergency evacuation and repatriation, and adventure sports, they’ve got you covered.

Travel Medical Insurance

Medical insurance is often the first thing that comes to mind when people think of travel insurance. If you have travel medical insurance, your bills will be covered if you need to visit the doctor or hospital when you’re abroad.

Considering how much medical attention can cost in foreign countries, every traveller should have travel medical insurance. Medical expenses abroad could leave you with substantial debts and financial ruin. So, instead of worrying about the medical bill, you can focus on your own recovery.

As an additional note, it is important to get travel medical insurance, even if you’re travelling out of province. Canadian provincial healthcare covers you if you get injured in another province or territory, but it may not provide coverage for emergency services such as a helicopter evacuation.

Trip Cancellation/Interruption

Having trip cancellation will allow you to cancel your trip before departure or while you’re travelling. You might have a sudden illness or injury that keeps you from your holidays. There might be a family emergency that forces you to stay home or return home unexpectedly.

Adding trip cancellation and interruption insurance means that you’ll secure the cost of your trip should the unforeseen happen. You can reschedule your trip for a later date without losing out.

Flight Delay or Cancellation

Flight delays and cancellations happen all the time. These can completely interrupt your original itineraries or turn your vacation into a chaotic situation. For example, if you’re going on a cruise and the ship leaves on a set date, a flight delay or cancellation can completely impact your trip.

Travel insurance can help you right away when you have a flight delay or cancellation. It will help you with your meals and accommodations that are necessary while you wait for the next available flight.

Baggage Insurance

Baggage insurance pays you if your bags are lost or delayed. I’ve been in situations where I’ve waited at the luggage carousel at the airport…and my suitcase never appears. With travel insurance, you can recoup your losses as you’ll likely need to purchase many new items upon arrival.

Emergency Evacuation and Repatriation

Natural disasters and political conflicts can happen overseas. Travel insurance provides a backup plan in case there is an emergency evacuation or you need to be repatriated. soNomad will walk you through all the necessary steps to ensure your safety, especially when it comes to dangerous situations.

Adventure Sports Coverage

Did you know that many travel insurance policies won’t cover adventure sports? For parasailing, scuba diving, skiing, and others, you may not be covered. Fortunately, soNomad offers policies that are designed to protect you for adventurous activities overseas. To make sure you are covered for the sports activities you’ll be participating in, please reach out to a soNomad representative at 1-855-221-4555.

Why is soNomad the Best Travel Insurance in Ontario?

Does soNomad offer the best travel insurance in Ontario and other provinces within Canada? There are a few things that set soNomad apart from other travel insurance companies.

Not only can you receive 24/7 customer service and have peace of mind when you travel overseas, but you’ll also find that soNomad offers the most affordable travel insurance. With the money you save on your travel insurance, you can splurge on something fun during your vacation!

The Most Affordable Travel Insurance

soNomad has a unique, low-cost approach that will save you money. They are completely transparent when it comes to their fees. I’ve never seen any other travel insurance company that explains their fee structure. When you compare your travel insurance quote with soNomad to other travel insurance companies, you’ll save up to 25%!

Peace of Mind While Travelling

Travel insurance is essential for your own peace of mind. It’s most likely that you won’t need to use your insurance policy and there won’t be any mishaps while you are away. But, you never know when problems may arise.

I’ve broken my ankle in the past on a trip outside of the province. I also avoided a close call once – I was flying home from India just two days before their borders closed due to the global pandemic. There are many situations that can arise that are completely out of your control. Having travel insurance will put your mind at ease because you know you’ll be protected in case anything does happen.

Customization of Your Travel Insurance Policy

You can completely customize your travel insurance policy to your personal needs. Whether you need simple medical coverage or more comprehensive coverage, soNomad can cater to your travel insurance requirements. Every traveller is different!

24/7 Customer Assistance Service

Problems can arise at any time of the day and within all time zones. With soNomad, you can receive customer assistance 24 hours a day, 7 days a week by telephone. You will receive continuous support throughout your trip. This is one reason why they offer the best travel insurance in Ontario.

Before the trip, you can always call to ask about requirements for visas, passports and vaccinations. During the trip, the representatives at their assistance service can help direct you to hospitals and healthcare facilities. They’ll help you in case your luggage or personal items are stolen or lost. If you need any assistance at all, soNomad is there for you any time of day.

The Next Steps: Purchasing Travel Insurance with soNomad

We highly recommend purchasing travel insurance before you travel. If you aren’t sure of your travel end dates, you can always buy your insurance for a set amount of dates and extend your policy. Simply get in touch with soNomad to extend your policy before your scheduled expiration date. It’s as easy as sending soNomad an email to get things sorted with an agent.

There are a couple of ways that you can buy your travel insurance with soNomad. If your travel plans are pretty straightforward, I recommend buying your travel insurance online from their website. If you have a complicated situation or you’d rather talk to an agent, you can always phone soNomad and purchase your insurance over the phone.

How to Purchase Travel Insurance Online in Minutes

It’s easy to buy the best travel insurance in Ontario, anytime, anywhere. You can get a quote for travel insurance in minutes. From there, you can purchase the travel insurance for your trip with soNomad.

I am sure you’ll be delighted to find that soNomad is amongst the most affordable travel insurance. If you compare their quotes with quotes from other travel insurance companies, they are much more cost effective. Get your free online quote here.

Call the soNomad Team

If you’d like to talk to a human, give soNomad a call at 1-855-221-4555. Their team will assist you through the booking process and answer any questions that you might have.

This article is brought to you by soNomad, a low cost travel insurance company that we highly recommend.