Best Domestic Travel Insurance for Multiple Trips
By Krista DeKuyper | August 8, 2025 |
More Canadians are travelling within Canada than ever. If you’re travelling domestically, whether it be within Ontario or exploring new provinces, you may think travel insurance isn’t necessary. However, domestic travel insurance is essential for safeguarding your trip from unexpected emergencies and travel delays.
When it comes to those who are travelling multiple times per year, it’s not uncommon to be met with at least one unexpected event that makes your trip go haywire. Learn why you need domestic travel insurance (even if you’re under OHIP), and the best multi-trip domestic travel insurance to choose in 2025.
Do I Need Domestic Travel Insurance if I Have OHIP?
Yes, you do need domestic travel insurance, even if you’re covered by OHIP. OHIP doesn’t cover most out-of-province health expenses, nor does it cover any travel-related expenses.
What If I’m Travelling Within Ontario?
Yes, domestic travel insurance is still essential, even if you’re only travelling within Ontario, as it covers various travel-related expenses.
Trip interruption/cancellation, travel delays, rental car liability, and lost or stolen baggage are all eligible for coverage with domestic travel insurance — OHIP will not cover any of it since it’s not health-related. In addition, domestic travel insurance has a 24/7 emergency help hotline for unexpected travel issues and guidance on how to continue your trip when an unexpected issue arises.
What Out-of-Province Travel is Covered by OHIP?
What OHIP Does Cover Outside Ontario
- Physician services, such as visits to a walk-in clinic
- Public hospital services
What OHIP Doesn’t Cover Outside Ontario
- Any health services already not covered in Ontario (ex. Vision care, private hospital fees, cosmetic procedures.etc)
- Prescription drugs (even if they are prescribed by a doctor during your trip)
- Ambulance services (including air ambulance)
- Dental emergencies
- Mental health services
- Home-care services
- Assistive devices and prosthetics
Why You Need Domestic Travel Insurance
All domestic travellers should be protected by domestic travel insurance, because:
- If your trip is delayed because of a medical emergency, domestic travel insurance will cover the cost of the delay (extra days spent in a hotel, re-booking your return tickets.etc).
- If you are prescribed medication in the middle of your out-of-province trip, OHIP will not cover it. Domestic travel insurance will cover the costs of prescription medication outside Ontario.
- If you crack a tooth or experience serious dental damage during the trip, OHIP will usually not cover it (unless it is the result of a traumatic injury and takes place in a hospital). Domestic travel insurance will cover any dental emergencies during an out-of-province trip.
- If your luggage is delayed on a flight to another province, domestic travel insurance will reimburse the cost of essentials like clothes and toiletries.
- If you need to cancel your trip at the last minute because of a medical issue, OHIP will not cover any cancellation fees or non-refundable expenses. Domestic travel insurance, however, will reimburse you.
Any of these scenarios can completely ruin your trip, but domestic travel insurance is designed to ensure unexpected events like these are accounted for. It grants you unbeatable peace of mind by making your travel risk-free.
What is Domestic Multi-Trip Travel Insurance?
Domestic multi-trip travel insurance is a specialized type of coverage for frequent travellers who travel within Canada multiple times per year. Instead of buying a separate policy for each individual trip you take, you’re protected every time you travel within your country, as long as it falls within the coverage limits.
For frequent travelers, multi-trip insurance is often more cost-effective than purchasing an individual plan for each trip you take in the year. A multi-trip domestic travel insurance plan will cover your travel for a set period, usually a year.
The Best Domestic Travel Insurance for Multiple Trips
Multi-Trip Emergency Medical Travel Insurance for Canadians
With up to $10 million in emergency medical benefits, Manulife’s Multi-Trip Emergency Medical Travel Insurance for Canadians is one of the best domestic travel insurance plans on the market today. This flexible domestic insurance plan offers a year of unlimited coverage for trips ranging from 4-60 days long.
Coverage for this plan is comprehensive. Eligible expenses that can be covered with the Multi-Trip Emergency Medical Travel Insurance are:
- Basic Medical Expenses
- Emergency medical treatment
- Paramedical services
- Ambulance services (land and air)
- Emergency dental treatment
- Emergency medical evacuation
- Transporting remains
- Additional Travel-Specific Coverage
- Phone call expenses
- Terrorism coverage
- Return of excess baggage
- Emergency child care
- The cost of meals and hotel if needing to stay longer than intended for reasons out of the insured’s control
- The cost of bringing someone to your bedside if you’re admitted to the hospital while travelling
- The costs of returning children to their home city if the insured faces a medical emergency and can no longer care for them
- The costs of returning a travel companion to their home city if the insured faces a medical emergency and cannot continue the trip
- The costs of returning a pet to their home city if the insured faces a medical emergency and cannot care for them
- The costs of returning a vehicle to the insured’s home address if they cannot take the vehicle back home themselves
Ask for a Multi-Trip Emergency Medical Travel Insurance Quote today!
