Best Travel Insurance for Canada from India - Affordable & Trusted Plans
Travel insurance for Canada from India helps protect you against unexpected medical and non medical emergencies. Buy the best travel insurance for Canada and travel with greater confidence and peace of mind.
- health_and_safety Covers for emergency medical and non-medical expenses in Canada
- healing Pre-existing diseases cover under life-threatening situations
- medication Hospitalization medical expenses and doctor visits are covered
- flight_takeoff Flight delay, baggage loss, baggage delay, personal belongings loss covered
- monetization_on Up to USD $10 lakhs health insurance cover
- flight Missed flight, trip cancellation, bounced hotel or airline booking covered
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Why Indian Travellers Need Travel Insurance for Canada
Planning a trip to Canada from India is an exciting adventure, but it's essential to be prepared for unexpected challenges along the way. Travel insurance for Canada from India is your safety net, providing comprehensive coverage against medical and non-medical emergencies, trip disruptions, baggage loss, and other risks in Canada. Whether you are visiting Canada for tourism, studies, or to reunite with family or business, having the right travel insurance ensures peace of mind throughout your journey.
Benefits of Buying Canada Travel Insurance from NRIOL
- Top Rated Canada Travel Insurance Plans: Carefully curated and trusted by thousands of Indian tourists and students.
- Lowest Premium Guarantee: Transparent Canada travel insurance pricing with no hidden fees.
- 20+ Years of Experience: Experts in travel insurance for Indian citizens traveling to Canada.
- Online Policy Modifications: Update trip dates or personal details anytime—even after your application is issued.
- Flexible Extensions While Abroad: Extend coverage easily if your Canada stay goes beyond the planned date.
- Fast Claim Support in Canada: 24×7 assistance to settle claims at Canadian hospitals or service providers
Buying international travel insurance through NRIOL offers distinct benefits to customers primarily because NRIOL acts as an insurance advisor and online marketplace, enabling visitors to compare and select from a range of travel insurance plans that best fit their specific needs and budgets.
How much does TATA AIG travel insurance for Canada from India cost in 2026?
The TATA AIG travel insurance for Canada from India price ranges between ₹84/day* to ₹186/day" for 30 days for 35 years old traveler, based on type of plan and policy maximum coverage.
| Plan | Medical Cover | 30 Days | 60 Days | 90 Days | 180 Days |
|---|---|---|---|---|---|
| $50,000 | ₹2,530 (~84/day) |
₹4,220 (~70/day) |
₹6,873 (~76/day) |
₹12,282 (~68/day) |
|
| $100,000 | ₹2,988 (~99/day) |
₹4,583 (~76/day) |
₹7,932 (~88/day) |
₹15,072 (~83/day) |
|
| $250,000 | ₹3,359 (~111/day) |
₹5,102 (~85/day) |
₹9,367 (~104/day) |
₹17,718 (~98/day) |
|
| $500,000 | ₹3,550 (~118/day) |
₹5,654 (~94/day) |
₹9,579 (~106/day) |
₹17,971 (~100/day) |
|
| $750,000 | ₹4,714 (~157/day) |
₹7,092 (~118/day) |
₹12,023 (~133/day) |
₹22,605 (~125/day) |
|
| $1,000,000 | ₹5,590 (~186/day) |
₹8,392 (~139/day) |
₹14,189 (~157/day) |
₹26,642 (~148/day) |
*Prices shown are for a 35-year-old traveller. Actual Canada travel insurance from India cost varies by age and trip duration. Travellers above 56 years pay higher premiums due to sub-limits.
Who Should Buy Travel Insurance for Canada?
Tailored plans for every type of traveler – choose what suits your journey.
Individual and family travel insurance
Traveling individually or with companion and dependents to Canada for tourism or on vacation, you can buy this insurance. Some insurance plans or companies offer discounts on selected plan premiums if you buy as a family.
View PlansSenior Citizens Visiting Canada
Seniors over 60 years and traveling to Canada, should look for higher health insurance cover. They should also look for plans which give full health insurance cover without any limitations and pre-existing diseases coverage.
View PlansStudent Travel Insurance for Canada
Students traveling to Canada for higher studies should buy a student travel insurance which covers them for medical and non-medical emergencies in Canada. Indian insurance companies have a tailored made student travel insurance plans to suit university requirements in Canada.
View PlansBusiness travellers going to Canada
Corporate travellers or travellers traveling to Canada multiple times should buy multi trip travel insurance. This policy is issued for one year with the per trip duration of 30, 45, 60 or 90 days.
View PlansTravellers with Pre Existing Medical Conditions
Travellers with pre-existing medical conditions can also buy travel medical insurance which cover pre-existing diseases. These travellers should go through the terms and conditions of the pre-existing coverage before making a purchase, as each plan or insurance company offer plans with varying pre-existing cover.
View PlansBest Insurance Plans Based on Your Canada Visa Category
Select your insurance based on the visa category you're applying for.
| Visa Type | Best For | Coverage Highlights |
|---|---|---|
| Visitor Visa | Indian citizens visiting family, friends, or sightseeing in Canada | Emergency medical, trip cancellation, baggage loss, accident coverage |
| Student Visa (Study Permit) | Indian students enrolled in Canadian universities or colleges | Hospitalization, tuition fee reimbursement, study interruption, sponsor protection |
| Super Visa | Parents or grandparents of Canadian citizens or permanent residents | High medical coverage (up to CAD 100,000+), long-term stay, pre-existing condition options |
| Work Visa / Temporary Resident Visa (TRV) | Indian professionals employed or on assignment in Canada | Medical emergencies, liability coverage, trip delays, policy extension options |
| Permanent Residency (PR) Applicants / Express Entry | Indians awaiting PR approval and in Canada on interim status | Limited-duration travel medical cover until Canadian healthcare begins, pre-landing protection |
| Business Visa | Indian entrepreneurs or executives attending meetings, events, or trade expos | Business equipment loss, trip delay, emergency evacuation, personal liability |
What Should You Look for in Travel Insurance for Canada from India?
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What’s Covered in Canada Travel Insurance from India
Coverage Type What It Includes Emergency Medical Expenses Covers doctor visits, hospitalization, diagnostics, and prescriptions during illness or accidental injury in Canada. Medical Evacuation & Repatriation Covers emergency evacuation to the nearest hospital or return to India in case of serious medical emergencies. Pre-Existing Conditions Cover Selected companies and / or plans cover pre-existing medical conditions to a certain limited amount. COVID-19 Coverage Select plans include coverage for treatment, quarantine costs, or cancellation due to COVID 19 infection or exposure. Loss of Baggage Reimbursement for lost, delayed, or stolen checked-in baggage during international or domestic Canadian flights. Flight Delay or Missed Connection Covers expenses due to long flight delays, additional accommodation, or missed connecting flights. Trip Cancellation or Interruption Refund for unused bookings (flights, hotels, tours) if your trip is disrupted due to emergencies, illness, or travel bans. Loss of Passport Helps cover the cost of obtaining a new passport and related travel documents if lost or stolen in Canada. Personal Accident Cover Compensation for accidental death or permanent disability while traveling in Canada. -
What’s Not Covered in Canada Travel Insurance
Not Covered Description Undeclared Pre-Existing Conditions Claims can be denied if medical history isn’t disclosed during purchase or misrepresented. Alcohol or Drug-Related Incidents No coverage for medical or legal issues arising due to intoxication or drug use. Planned or Elective Treatments Travel for surgeries, fertility treatments, or routine check-ups is not covered. Unattended Baggage or Valuables Theft or loss of items left unattended in public or unlocked spaces may not be reimbursed. Cosmetic or Non-Essential Procedures Procedures like cosmetic surgery, laser treatments, or dental aesthetics aren’t covered unless deemed medically necessary. War, Terrorism, or Civil Disturbance Claims due to war, terrorism, or riots are generally excluded from most travel insurance plans. Travel to Government-Restricted countries The policy does not cover you if you are traveling in / via the restricted areas, regions or countries as per the terms and conditions.
Quick Canada Travel Guide for Indians
Quick facts to help you prepare before your journey
Why Canada Healthcare Costs Are High for Uninsured Visitors
Canada's publicly funded healthcare system (Medicare) covers only Canadian citizens and permanent residents. As an Indian visitor, every medical interaction from a doctor visit to emergency surgery is billed at private rates. A single overnight hospital stay in Toronto can cost CAD $3,000 to $10,000. An air ambulance evacuation from a remote province like British Columbia back to a major city can run CAD $15,000 or more.
This is why Indian travellers especially seniors and those visiting family for extended periods need travel insurance for Canada that covers at least USD $100,000 in medical expenses. Plans below $50,000 may leave you exposed to out-of-pocket costs for serious conditions.
Super Visa Insurance for Parents Visiting Canada from India
Canada's Super Visa allows parents and grandparents of Canadian citizens or permanent residents to visit for up to 2 years per entry, with a visa valid for up to 10 years. However, the Government of Canada requires all Super Visa applicants to hold medical insurance with a minimum coverage of CAD $100,000, purchased from a Canadian or Indian insurance provider.
Super Visa Insurance Requirements
- Minimum CAD $100,000 in emergency medical coverage
- Coverage valid for at least 1 year from date of entry
- Must include hospitalisation, repatriation, and healthcare
- Proof of insurance must be submitted with the Super Visa application
TATA AIG plans available through NRIOL meet all Canadian Super Visa insurance requirements and can be extended online if your parents decide to extend their stay as per policy terms and conditions.
Should You Buy Canada Travel Insurance Before or After Visa Approval?
This is one of the most common questions from Indian travellers applying for a Canadian visitor visa. Here is what you need to know:
Before visa approval: You can purchase travel insurance and include the proof with your visa application. Some Canadian visa offices look favourably on applicants who demonstrate travel insurance coverage, as it shows financial responsibility. If your visa is denied or rejected due to some reasons, then you will get a refund of premium after deducting a nominal service charges of say Rs.300/-.
After visa approval: This is the more common approach. Once your visa is confirmed, purchase insurance immediately after booking non-refundable flights to activate trip cancellation cover. Here you know the duration of travel and can book travel health insurance without an issue.
How to File a Travel Insurance Claim for Canada
- Call the 24×7 helpline immediately - the number is printed on your policydocument. Do this before seeking non-emergency treatment where possible.
- Get a cashless authorisation - for hospitalisation above a threshold, the insurer can authorise cashless treatment directly with the Canadian hospital.
- Keep all bills and reports - retain every prescription, discharge summary,doctor's note, and payment receipt.
- Submit your claim online - upload documents through the insurer's portal within stipulated time of the event. If required, NRIOL's team can assist you with the process.
- Receive reimbursement - approved claims are typically settled within 7–21 working days to your Indian bank account.
Documents Required to Buy Canada Travel Insurance from India
Purchasing travel insurance for Canada is quick and requires no documentation. You should keep the below information handy before you purchase the travel insurance online.
- Valid Indian passport (passport number required for policy issuance) of all the travellers.
- Policy start date (when you are travelling from India)
- Policy end date (when you are returning back to India)
- Date of birth for all travellers
- Destination countries (Canada plus if you are travelling to multiple countries)
- Medical history of the travellers
No physical documents need to be submitted. The entire process is online, and your policy is emailed within minutes of payment.
Adventure Activities Coverage - What's Included for Canada Travel
Canada is a destination known for skiing in Whistler, hiking in Banff, kayaking in the Pacific Rim, and dog sledding in Yukon. Standard travel insurance typically covers injuries from recreational activities, but high-risk or professional sporting activities may require an adventure sports add-on. This Adventure Travel Insurance plan provides coverage for a broad range of adventure and hazardous sports, subject to the policy's terms and conditions. Some of the activities listed below are considered as adventure sports and may be covered under the policy.
| ✅ Trekking | ✅ Parachuting | ✅ Cycle racing | ✅Sky Diving | ✅ Cross-channel swimming |
| ✅ Field hockey | ✅ Water skiing | ✅ Paragliding | ✅ Blackwater rafting | ✅ Hot air ballooning |
| ✅ Horse racing | ✅ Jet boating | ✅ Karate | ✅ Bungee Jumping | ✅ Caving |
Confirm your planned activities with NRIOL's team before purchasing to ensure you have the right level of cover.
Annual Multi-Trip Travel Insurance for Frequent India-Canada Travellers?
If you travel to Canada more than twice a year - whether for business meetings, academic visits, or family stays an annual multi-trip plan is significantly more cost-effective than buying individual single-trip policies each time.
An annual multi-trip plan covers unlimited trips within a 12-month period, with each trip lasting up to 30, 45, or 60 days. The total annual premium is typically 30–50% less than buying three or four individual policies. It also eliminates the administrative burden of purchasing insurance before each journey.
NRIOL markets Annual multi-trip plans suited for Indian business travellers and NRIs having valid residence proofs and staying in India for more than 6 months and who make regular visits to Canada. Contact our team to compare single-trip vs multi-trip cost for your specific travel pattern.
Should You Buy Canada Travel Insurance from an Indian or Canadian Company?
For Super Visa applicants, the Government of Canada requires insurance from "a Canadian insurance company." However, many Indian insurers including TATA AIG are accepted for Super Visa applications because they meet the CAD $100,000 minimumand have Canadian healthcare network tie-ups.
| Factor | Indian Insurer (e.g., TATA AIG via NRIOL) | Canadian Insurer |
|---|---|---|
| Premium Cost | Lower (INR pricing, no forex) | Higher (CAD pricing) |
| Ease of Purchase from India | ✅ Online in minutes | ❌ Complex process from India |
| Claim Support in India | ✅ Hindi/English support | Limited India support |
| Super Visa Accepted | ✅ Yes (most plans) | ✅ Yes |
| Policy Extension from Canada | ✅ Yes, via NRIOL online | Varies by insurer |
For most Indian travellers visiting Canada - tourists, students, and Super Visa applicants alike - buying from an Indian insurer through NRIOL offers the best combination of cost, convenience, and service quality.
FAQs – Canada Travel Insurance for Indian Tourists
Can I buy travel insurance 2 days before travel?
Yes, you can purchase travel insurance for Canada before you depart from India. There is no waiting period for emergency medical expenses in any of the Canada travel insurance plans until and unless specified in the policy. However, for the trip cancellation benefit to apply, your policy must be active at the time the cancellation event occurs. Buying early ideally at the time of booking your flights ensures you are protected from day one.
Should I buy travel insurance before or after booking my flight?
Buying your travel insurance for Canada after you book the tickets might be more helpful than buying travel insurance to Canada before booking your flight ticket. One big advantage is that your travel dates are already confirmed and you know the exact date of departure from India and returning back to India while purchasing travel health insurance. This avoids asking for modifying the insurance coverage dates in your travel insurance.
Buying Canada travel insurance from India early also gives you time to review the policy terms, coverage limits and exclusions before you travel.
What is the cost of travel insurance for Canada from India?
The cost of travel insurance for Canada from India typically starts at around ₹2,530 for a 30-day trip for a 25-year-old traveller under a Silver Plan ($50,000 coverage). Premiums rise with coverage amount, trip duration, traveller age, and optional riders like pre-existing disease cover. A Platinum Plan ($500,000 coverage) for 30 days costs approximately ₹3,550. Travellers and those seeking $1,000,000 cover can expect to pay up to ₹5,590 for 30 days. Use our quote tool above to get a precise price for your trip.
Which insurance company is best for visitors in Canada?
For Indian visitors travelling to Canada, TATA AIG is one of the most trusted and widely used travel insurance providers. It offers a range of plans from Silver ($50,000) to Titanium Plus ($1000,000) medical coverage, 24×7 cashless claim assistance at Canadian hospitals, and flexible policy extensions if your stay is extended. NRIOL has partnered with TATA AIG for over 20 years to provide Indian travellers with excellent, affordable Canada visitor insurance.
What is the best travel insurance for international travel from India?
The best international travel insurance from India depends on your destination. For Canada specifically, look for plans that provide a minimum of USD $100,000 in emergency medical cover (CAD $100,000 is required for Super Visa holders), include COVID-19 treatment cover, offer trip cancellation and baggage loss protection, and allow policy extensions from abroad. NRIOL's curated selection of TATA AIG plans meets all these criteria and is designed specifically for Indian citizens travelling internationally.
Does Canada travel insurance cover COVID 19?
Yes, Canada travel insurance from India offered by Tata AIG covers COVID-19 as any other illness and up to policy maximum. The coverage benefits may vary from plan to plan. Hence it is advisable to go through the product brochure before you purchase or call our expert insurance advisors who will help you in getting the best insurance.
Can I extend my insurance while in Canada?
Yes—NRIOL lets you Extend your policy online before it expires. Travellers from around the world inclulding Canada can renew their existing travel insurance to Canada online. Fill the simple form online submit the required documents, wait for renewal approval from our team. Once approved from the insurance company, our team will send you the payment link which you click and complete the payment and get the renewal policy.
Are pre existing illnesses covered?
Yes, some of the insurance plans cover pre-existing medical conditions for a limited amount under life threatening situations. Some companies are willing to cover declared pre-existing medical conditions up to policy maximum. Please go through the policy terms and conditions before you make a purchase or call our experts for more information.
How fast is claim assistance?
Every insurance company provides 24x7 claim assistance service. The relevant helpline numbers are provided in the policy document. You need to call the assistance company, who will get in touch with you immediately as assist you as per your requirement. Hospitalization claims are usually cashless and will be processed in couple of hours while the reimbursement claims might take couple of days after the receipt of the documents.
Can parents/grandparents visit Canada using Super Visa insurance?
Yes—Super Visa Insurance is a mandatory helath insurance required for parents and grand parents applying for Canadian Super Visa. This insurance covers health care cost of the traveller while in Canada. Minimum $100,000 Canadian Dollars insurance cover and the insurance should be valid for one year are one of the two important requirements of this super visa.
Which travel insurance is best for Canada from India?
The best travel insurance for Canada from India is one that offers at least $100,000 medical coverage, includes COVID-19 protection, and suits your visa type (Visitor, Student, or Super Visa). Choose a plan with cashless claims, trip protection, and optional pre-existing condition cover.
Why Choose NRIOL for Your Canada Travel Insurance?
We make buying international travel insurance fast, easy, and affordable. Here's why thousands trust us:
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Get help with renewals and claims even while you're overseas.
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