There are rumors saying it is not compulsory for getting travel insurance for Canada as it could save some money. Others also comment that Canadian Border Services Agency (CBSA) officers would not check for visitors’ travel insurance when entering Canada. However, those misconceptions are tip of the iceberg.
Travel insurance for Canada is essential for anyone visiting Canada; no matter you are applying for working holidays visa or studying as an international student. The amount of travel/medicine insurance is a small price but it would cover you if you encounter flight changes, personal injury from skiing and snowboarding, and family illness or death. Travel insurance is compulsory for most working holiday programs and Canada customs may check to ensure you have adequate insurance cover during your stay period in Canada.
Perhaps, buying insurance is considered responsible for any accidents happen that could cost more than what you could afford to pay. Full reimbursements of medical expenses could be made if you have insurance coverage under certain conditions in the policy. Please note that if you are applying from Canada, provincial health insurance CANNOT be a substitute of travel insurance as it does not cover repatriation costs (i.e. costs incurred if you need to be flown home to receive emergency medical attention).
In order to be eligible for International Experience Canada programs, you are required to have insurance that covers the full duration of your work visa and insurance that will cover repatriation cost. Since provincial health care in Canada and medical cover from your employment typically do not cover these items, it is strongly suggested you need to get separate travel insurance.
Bridges International Insurance Services (www.biis.ca) is specialized in travel/medical insurance for Visitors to Canada, in particular working holidays visa applicants. For any enquiries, please call 1-888-267-4461 or 1-604-408-8695. Our staff would be more than happy to assist you.