Six Reasons Why So Many Canadians Choose To Buy Travel Insurance Online

Back in the day, we always used to buy travel insurance from our travel agent. Now we book almost everything online, from flights to hotels to buses and even tours.

Laptop in the park

Don't try this in December in Winnipeg

Seems like a lot of Canadians are with us on this one, and choosing to buy travel insurance online as well. Here are six reasons why buying travel insurance online is so popular with us folks in Canada:

Policies and coverage can change at any time, without warning. This article is only intended as general advice. Please check your own policy carefully.

Comparison Shopping

Many agents only sell travel insurance from one or two companies, limiting your options. When you get get quotes through a comparison site, you’ll likely have more companies and policies to choose from.

Better Prices

Since you can compare so many different policies online, you’re likely to find a good policy at a better price.

Convenience

Can you remember the last time you used a travel agent to book a flight or hotel? Many of us can’t. When you’re booking your flight and hotel online, it’s just a few extra clicks to add on travel insurance, all from the comfort of your own home.

It’s Fast

When you buy travel insurance online, you can sign up for your policy, pay with a credit card, and get an immediate email confirmation.

It Comes with the Credit Card

Many Canadians choose to get their travel insurance as an add on perk on their credit card when they apply for their credit card online.

You can Still Ask Questions

Even if you buy online, it’s a simple matter to call the travel insurance company and get any nagging questions answered.

Where to buy travel insurance online

Canada’s biggest online comparison site for travel insurance is Kanetix.ca. They’re a great place to get quotes so you can compare different policies and prices.

 

Squaremouth is an up and coming comparison site, which is becoming more and more popular in Canada. It’s a solid choice if you’re looking for a very specific criteria, as it has great filters in their search. For example, you could search for a policy with $10,000,000 of coverage, with under a $200 deductible, and that allows cancellation for any reason.

World Nomads is one of the biggest travel insurance companies in the world (offering insurance to over 140 countries).

You can also buy travel insurance online from almost any company that sells travel insurance, including RBC, Blue Cross and PC Financial.

Photo by Ed Yourdon.

 

*As always, the information in this post is from one Canadian traveller to another and please remember, we are not travel insurance agents. We have just spent years abroad and have gotten to know the ins and outs of the industry. If you have any travel insurance questions, please talk to a qualified travel insurance agent or broker. Finally, insurance plans can and do change all the time so always consult your insurance policy since that is the legal document to which you are agreeing to.

Lanie Kay

A true world traveller, Lanie Kay has been to over 30 countries in the past decade and loves nothing more than waking up in a foreign country. Born and raised in western Canada, she knows the value of a dollar and, just like everyone, wishes there was more transparency when dealing with large companies.

This Post Has 2 Comments
  1. I honestly wouldn’t buy travel insurance online because it can be quite complex and not every policy might be suited for you. It’s good to speak to someone, actually it’s good to contact a couple of different insurance brokers to double check what you’re being told. I went through it a few months ago and would have been screwed if I had listened to the first person I had spoken to.

    Also, World Nomads is not available to residents of Quebec.

    It all depends on your needs. I agree that you might as well if you’re the regular person taking a vacation for a couple of weeks. But if your situation more complex you have to speak to people.

    Frank (bbqboy)

    1. Hi Frank. Thanks for your comment.

      I see no problem buying travel insurance online for the vast majority of people however if you have health issues that aren’t properly addressed on the form or have a question then I agree it’s a good idea to talk to an agent.

      We also always recommend that people shop around a bit and suggest people check out sites like Kanetix and get a price comparison before purchasing anywhere else. It’s always good to have a ballpark figure to work on and to make sure you aren’t being hosed no matter what you’re buying.

      As to World Nomads not covering Quebec you’re correct. Quebec has more legislation and red tape regarding everything from lotteries to insurance than any other province and as a result you guys are often excluded from giveaways and whatnot that apply to the rest of Canada. On the plus side you guys have better price protection and cheaper childcare so it kind of evens out. 😉

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