best travel insurance for iec canada

The Best Travel Insurance for Canada: IEC Working Holiday

The International Experience Canada (IEC) Working Holiday program offers young people the chance to live and work in Canada for up to two years. It is an amazing opportunity but there is a couple of rules to abide by when taking part in the IEC.

One of these is the program requirement to have comprehensive health insurance while in Canada.

This article will help you find the best travel insurance for Canada. I moved to Canada on the IEC program and I’ve helped thousands of people do the same since then.

Last updated November 2023 . This post includes some affiliate links – if you make a purchase via one of these, we may receive a small percentage of the sale.

The importance of travel insurance for Canada

As mentioned, it is a mandatory part of the IEC program to have health insurance for the length of your stay in Canada.

If you go to Canada without appropriate IEC travel insurance,  you may receive a shortened work permit and/or be refused one altogether.

Those who do receive a shortened work permit are unable to extend or adjust the work permit later. This happens to more people than you would think!

As per the IEC rules , your health insurance for Canada must cover:

• medical care,
• hospitalization, and
• repatriation (returning you to your country in the event of severe illness, injury or death).

Be sure to buy the best travel insurance for Canada.

Taking part in the IEC program is a once-in-a-lifetime opportunity for most people – don’t waste this opportunity.

Thinking beyond the IEC requirement for insurance, you should also be aware that medical care in Canada can be very expensive.

Emergency room visits for relatively simple injuries can easily run up a bill of thousands of dollars.

Saving money on buying travel insurance for Canada can turn out to be an expensive mistake.

Options for IEC travel insurance

Read on for my research into the best IEC travel insurance for Canada.

Please research each company to ensure that the coverage is right for you. The specifics of the coverage can change at any time. Read the policy wording to make sure that you are covered.

UK and EU citizens – True Traveller

I used True Traveller insurance for my working holiday in Canada.

Travel insurance policies with True Traveller are available up to 24 months in length. Policies can be started if you are already travelling.

Unlimited visits home are also allowed, with the insurance cover being suspended when in your home country. Winter sports coverage is available and there are no minimum residency requirements.

92 activities are covered as standard with True Traveller, including horse riding and bungee jumping. If you need coverage for more activities (such as rock climbing), an additional activity pack can be selected.

An alternative to True Traveller for UK citizens is Go Walkabout . Working Holiday cover is available for 2 years with 3 years available soon. Unlimited visits home are allowed with ski coverage available for an additional premium (Activity Pack 4).

Australian citizens – Fast Cover and HeyMondo

With Fast Cover , an initial IEC 12-month policy can be purchased and then extended for another 12 months on the departure date.

Optional winter sports coverage is available for an additional fee. Fast Cover policies cannot be started when already abroad.

HeyMondo offers single trip policies up to 12 months in length. Coverage for Covid-19 is included as standard as well as up to $10 million for emergency medical and dental expenses.

To have coverage for a full 24 month IEC working holiday, simply purchase 2 x one-year policies before leaving for Canada. For the second policy, you’ll need to tick the ‘already travelling’ box for it to be valid.

There is a 5% discount available for HeyMondo if you use the below link when purchasing. Note that HeyMondo does not offer winter sports coverage.

Alternatively, look at BestQuote (note lower medical coverage), Cover More (phone call required to buy a 2 year policy) or World Nomads.

New Zealand citizens – HeyMondo

HeyMondo includes coverage for Covid and up to $10 million of medical expenses. There is, however, no ski cover available.

For 23 months of coverage with HeyMondo, you’ll need to purchase a 12 month policy and then another 11 month policy. Make sure to tick the ‘already travelling’ box when purchasing the second policy.

Alternatively, look at BestQuote (note lower medical coverage) or World Nomads.

For citizens of 100+ countries – BestQuote

BestQuote are travel insurance specialists, partnered with some of the largest and most reputable insurance providers in Canada. Through them, it is possible to review, compare and purchase IEC specific insurance policies with up to 2 years of coverage.

The 2 year IEC policies cover basic (non-competitive) ski cover as standard. Some options also include coverage for Covid19 related claims.

There are various medical coverage amounts available (most starting at $100,000), and adjustable excess levels as well. Please note that this medical coverage is lower than the other insurance providers mentioned on this page.

Buying the best IEC Travel Insurance

There is not one perfect working holiday travel insurance policy for Canada. Everyone has different requirements and circumstances.

The best working holiday travel insurance for Canada is the one that suits your own needs.

Before purchasing travel insurance for Canada, you may want to check factors such as:

• The type of activities that are covered.  Climbing, kayaking and even hiking may have an additional premium
• Whether it is possible to return home for a short time and still have valid insurance coverage on return . Some policies become invalidated as soon as you reach home
• Residency requirements to purchase.  Some IEC travel insurance policies require a minimum time spent resident in your home country before purchase
• Whether the policy can be started abroad if you are already travelling elsewhere. Most insurers are limited to only covering those who haven’t left home yet
• Winter sports coverage options. Even if you do not plan to work a ski season or live in a mountainous area, things can change
• The excess (deductible) on the policy. This is the amount you have to pay when making a claim

Finding Travel Insurance for Canada

Canada’s IEC program offers some of the longest working holiday options available in the world.

For this reason, one of the biggest problems with buying the best IEC travel insurance is finding a company that offers two-year travel insurance for Canada.

It can be such a rare occurrence that some working holiday companies advise their clients that there is no such thing. This is absolutely not true. 

Another thing to remember is that the cheapest travel insurance for Canada may not be the best travel insurance for you. Be sure to look at the coverage limits and whether the policy is suitable for your travel plans.

Working Holiday Travel Insurance for Canada: The Small Print

Always read the policy wording to decide which IEC travel insurance provider and policy is right for you. As noted above, the best travel insurance for Canada isn’t necessarily perfect for everyone.

All details of IEC travel insurance providers mentioned above are correct at the time of writing but are subject to change.

The above companies also offer standard travel insurance for short-term holidays as well as working holiday insurance for Canada.

Found this post helpful? Subscribe to our IEC newsletter ! Working holiday advice and updates delivered straight to your inbox, with a  FREE printable IEC packing list  

Check out these other posts about working holidays in Canada

IEC Working Holiday Canada Extension Guide

IEC Working Holiday Canada: Arrival Checklist

Working Holiday Visa 2024 Canada IEC: Ultimate Application Guide

One half of the Canadian/British couple behind Off Track Travel, Gemma is happiest when hiking on the trail or planning the next big travel adventure. JR and Gemma are currently based in the beautiful Okanagan Valley, British Columbia, Canada

Sunday 14th of May 2023

Hey Gemma, we are NZ residents coming to Canada on an IEC, coming through the US first. We have insurance confirmed for the first 12-months of our travel. Ideally we want to book the second year of our insurance, however, our current insurance company won't do that - they will only extend near the end of our current policy.. Do you know any options for us that would provide insurance for that second year (i.e., provide a policy so far in advance). Alternatively, do you know if it is doable/easy to get our visas extended/updated once we are able to confirm a further 12-months of travel insurance? Hope this makes sense!! Thank you :)

Sunday 21st of May 2023

Hi Annelise,

For your first question, I would look at World Nomads or BestQuote (the latter mentioned in this article). For your second question, you MUST have 23 months of insurance on entry into Canada to receive your full 23 month work permit. There is no way to extend your work permit if you did not have the appropriate insurance on arrival in Canada OR apply again. So make sure you have the full 23 months before you arrive in Canada!

Tuesday 5th of November 2019

Hi Gemma! Currently helping my British fiance figure out flights since he has been accepted for IEC. A little anxious that he will not receive his full 24 month permit if we buy return flights (since return flights only go aprox. 10 months ahead). Should we just splurge and buy the stupidley expensive one way ticket, or can we purchase a round trip ticket and just not use the return ticket? Do the border agents even ask for a return ticket or do they just expect that we won't have one since its an open 24 month work permit? Do you think he would just be able to tell the border agent, if asked, that he does have a return flight 3 days after his arrival flight but plans to cancel it because it's cheaper, then proceed to show the agent proof of funds for a return flight?

Monday 11th of November 2019

The good news is that you don't need a return ticket at all, just proof to be able to purchase one if needed. And for that, a credit card can be shown. Hope that helps!

Thursday 16th of May 2019

Hi Gemma, the question I have, do you have to pay the one year insurance all upfront or is it possible to pay monthly? My travel insurance offered it and I am wondering now if this would be accepted.

Saturday 18th of May 2019

Hi Jessica,

It needs to be upfront, not monthly. A monthly policy can be cancelled at any time so hence is not proof of insurance for the entire length of your trip.

Wednesday 14th of June 2017

Hi Gemma I am going to Canada from New Zealand and looking for travel insurance options...and a bit lost. The link for 'Down Under Insurance' under New Zealand doesn't seem to work, even when I searched it on Google. Would you please be able to recommend a travel insurance company / companies for someone going from New Zealand for the full 23 month period? Thank you :)

Thursday 15th of June 2017

The link to Down Under insurance goes directly to the booking page. As mentioned in the description on my page, you will need to call them to purchase the 23/24 month IEC policy. Alternatively, you could also book 2 x 1 year policies with World Nomads who are also linked on this page.

Saturday 14th of January 2017

Hi Gemma, I have been granted an IEC visa, I want it to be valid for the two years but I don't want to necessary stay there for two years. The idea is I go for 3/4 months say, before returning home. However, I would like to keep my options open and be able to return to Canada in the two year period. I also don't want to be paying for insurance for the full two years if I am not there. I assume It's possible to enter and leave Canada as many times as I like during the two year period?

I applied on my U.K. Passport but I have been living in Australia as a resident, and have become an Australian citizen since being granted my IEC Visa so will be travelling from oz(my Australian address and residency was on my IEC application). So another option I am looking at is if it's possible to reapply on an Australian passport now I can obtain one, even thought I have been granted the IEC on my uk passport. The reason being is I have to enter Canada by end of June 2017, however I am still in two minds financially as paying off debts and it would be more suitable for me to leave at a later date(I was granted my IEC a lot quicker then anticipated). I will be 31 in November 17 so would have to apply by then with Australian passport.

Otherwise 3rd option is to go on a holiday before end of June to validate and get the two years granted and then return later(rather then quitting my job and going for 3/4 months as per option one), but again that will go back to my intial question on insurance options to get a visa for two years to come and go as I please, and also if it's possible to enter and re-enter during the two years.

Thanks for any input or advice. Sorry it's long winded but wanted to include all the facts. You run a great site and I have been finding your ebook on whv in Canada most helpful. :-)

Tuesday 17th of January 2017

Wow, a lot of questions! OK, let's see if I don't miss anything. You can enter and re-enter Canada with the IEC subject to normal entry requirements (i.e. it is not technically a visa and as such does not guarantee entry). The usual problem with entering and leaving is with insurance. Most insurance policies do not allow you to return to your home country for 10 or more days. Some do not even allow you to return at all without invalidating the policy. To receive the full 2 year work permit on arrival it is necessary to have 2 years insurance - if you do not, then you risk being given a work permit to the length of your insurance (or no permit at all if you don't have any insurance).

Australian insurance by the way (as in, coverage for Australians) is VERY expensive, much more expensive than insurance for UK residents/citizens. Be aware though that you may not be eligible for many UK insurance policies as you have not been resident there for a while.

It seems like you have two options -

Go to Canada before your POE expires, activate your work permit with two years insurance. If you need to go home directly afterwards, that is OK, provided your insurance provider allows it (as mentioned, not many do and only for a short time). True Traveller allows you to return home for an indefinite time period without invalidating your policy is True Traveller. With your living situation, they are also one of the few UK insurers that you may be eligible to get a policy with.

Second option is to apply for the Australian quota. I would do this before September as the pools closed in early autumn last year. You must receive an invite before your 31st birthday to be eligible.

IEC Travel Insurance

If you’re going to be travelling to Canada through International Experience Canada (IEC) then one of the requirements to be allowed to enter Canada is that you have IEC travel insurance (IEC health insurance).

But what exactly does the IEC travel insurance need to cover and how can you make sure to get the best deal?

We’ll cover everything you need to know in this article.

International Experience Canada

Iec travel insurance, iec travel insurance requirements, when do i need to purchase iec travel insurance, best iec travel insurance, what to look for in iec travel insurance, iec travel insurance cost, working in quebec.

If you’re figuring out what to do about IEC travel insurance, I’m sure you’re already familiar with what the International Experience Canada program is.

But just to confirm the context around the insurance:

IEC is what Canada calls its working holiday visas program for people aged between 18 and 35.

There are three different types of visa covered by IEC and which ones you can apply for depends on your country of citizenship.

The most common visa is the working holiday visa which is an open work permit. The working holiday visa lets you come to Canada without a job offer and work for almost any employer in Canada.

There are various requirements for each type of visa but, regardless of which visa you get, the IEC insurance requirements are the same.

If you get an IEC visa then one of the requirements you need to meet to be allowed to actually enter Canada on that visa is having IEC travel insurance, or IEC health insurance.

The IEC travel insurance that is required for entry into Canada on an IEC visa is insurance that covers you for medical matters, it’s not travel insurance that covers things like lost baggage.

So a more accurate term for the insurance you need is probably IEC health insurance.

There are a number of requirements that your IEC health insurance needs to cover, otherwise you might be denied entry to Canada.

In terms of the policy coverage, the IEC heath insurance must cover:

• Medical care
• Hospitalization
• Repatriation which includes getting you to a medical facility, and returning you or your remains to your home country

The insurance policy must be for the full duration of the time you plan to spend in Canada. So if you want to stay in Canada for the full two years (or three years for some countries), the policy will need to cover two (or three) years.

If the policy is shorter than two years, when you arrive in Canada the border agent will only give you a permit for the duration of the policy – so your work permit will expire on the day your health insurance does.

Keep in mind you won’t be able to extend your work permit at a later date. So if you want to have the option of staying in Canada for the full length that your visa allows, you need to already have insurance that covers that full time period when you land in Canada.

This is where it’s a good idea to buy insurance that allows you to do partial refunds. So if you leave Canada before you’ve used the whole duration of the policy you can get a refund for the unused duration.

Many of the Canadian insurers offered on the price comparison website we recommend offer partial refunds on time that’s not been used.

One last point on getting insurance to cover your full length of stay – if you can’t get one insurance policy that covers the full time, it’s acceptable to get two consecutive policies instead.

It’s important to note that having IEC travel insurance is not required to apply to IEC or to be approved for the visa. But it is required before you arrive in Canada.

So when you arrive in Canada the border agent will check your insurance and if everything isn’t in order you might be denied entry to Canada.

As with most insurance, there isn’t one insurer I can recommend that is always going to be the best or the cheapest.

What’s best for you will depend on your circumstances and what you want from a policy.

That’s why I recommend the best way of finding your insurance is to use a price comparison website .

The site I use for travel insurance when my family is visiting Canada is BestQuote .

It compares across a whole host of insurers and provides you with various options.

The results page also nicely displays the key components of each policy so you can quickly see which options look good for you.

You can then go ahead and purchase the policy through the BestQuite website.

You can check them out here .

When you’re comparing quotes, some of the key things to look out for are:

Coverage amount . What is the maximum amount the policy will pay out if you need to claim on it? Keep in mind the headline maximum figure will be further broken down into maximum amounts for individual things.

Coverage . What elements does the policy actually cover? Obviously you’ll want to make sure it covers the minimum requirements for IEC travel insurance as outlined above. But also make sure it covers anything else you think you might need and the coverage amount per item is sufficient. A big one here (with this being Canada!) is to consider if you want winter sports coverage.

The deductible . This is how much you’ll need to pay out your own pocket before the insurer will cover the rest. This can range from zero up to thousands, so pick which is right for you. Basically the higher the deductible the lower the insurance premium.

If you’re wanting some ballpark figures of what IEC health insurance might cost I’ve outlined a few ranges below.

I’ve given the costs for a 27 year old, but the insurance cost doesn’t really vary significantly for anyone in the visa age range.

Here’s what some typical IEC travel insurance policies will cost:

• $1,200. 2-year IEC travel insurance policy for a 27 year old, with $100,000 coverage and $0 deductible. No pre-existing medical conditions and no winter sports.
• $2,700. Same criteria as above but with a stable pre-existing medical condition.
• $1,025. 2-year IEC travel insurance policy for a 27 year old, with $100,000 coverage and $250 deductible . No pre-existing medical conditions and no winter sports.
• $1,450. 2-year IEC travel insurance policy for a 27 year old, with $100,000 coverage and $250 deductible. No pre-existing medical conditions and winter sports included .

You can use a price comparison website to quickly get an idea of the cost of IEC health insurance for your circumstances.

Some countries have agreements with the province of Quebec that makes you eligible for health coverage. In which case you wouldn’t need IEC travel insurance that covers the medical care component of the requirements.

But the agreement doesn’t cover the repatriation part of the IEC travel insurance requirements so you’ll still need to buy separate insurance for that part. You can find out more if your country has agreements with Quebec here .

* All of the products and services I recommend on Canada for Newbies are independently selected based upon what I’ve personally found to be useful. I f you buy insurance through BestQuote using one of the links in this article, I might earn a small affiliate commission. Rest assured it won’t cost you anything and I would never recommend something I don’t believe in or use myself.

So that’s my overview of IEC health insurance. I hope you’ve found it useful.

Please feel free to drop me a comment on anything below.

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IEC Travel Insurance – The Best 2 Year Visa Cover From Europe

By: Author Sunset Travellers

Posted on Last updated: January 27, 2022

Categories Canada , Travel , Travel Advice

If you are looking for the best IEC visa travel insurance from Europe, you are in the right place.

We spent two years on a working holiday visa in Canada from Europe.

We know how difficult it might be to find the best IEC visa cover that suits your needs.

With all the changes happening around the world, it is essential to have the best possible insurance cover that doesn’t cost a fortune either.

After lengthy visa processes, paying all the fees, booking flights and most likely shipping some belongings , there’s so much you can invest in travel insurance.

We’ve been there, so we completely understand you.

We travelled to many places around the world, but all the IEC visa requirements  got us very stressed.

Well, then, let’s get to the point.

As the Canadian government website states, the insurance for an International Experience Canada visa must cover:

• medical care;
• hospitalization; and
• repatriation.

For International Experience Canada, you must have health insurance for the entire time in Canada.

They also recommend buying the insurance only after receiving your port of entry (POE) letter.

Remember that you may be refused entry if you don’t have insurance!

If your insurance policy is valid for less time than your expected stay in Canada, you may receive a work permit that expires at the same time as your insurance.

Therefore make sure to buy the best IEC travel insurance for Canada.

Taking part in the IEC program can be by far one of the most amazing experiences you’ll have, so don’t waste this opportunity.

Thinking beyond the IEC travel insurance requirements, you should also be aware that medical care in Canada can be costly.

Emergency room visits for relatively simple injuries can quickly add up to thousands of dollars.

Saving money on buying IEC travel insurance for Canada can turn out to be an expensive mistake.

We found TrueTraveller to be the best IEC travel insurance for Canada from Europe with all of the above in mind.

Suppose you are looking for two years IEC visa travel insurance for Canada from Ireland, the United Kingdom, Germany, Poland or any other EU country. In that case, True Traveller has the right cover for you.

If you’re going to Canada on an IEC Visa , you’ll need travel insurance that satisfies the requirements of the Canadian Immigrations authorities, and which you can extend as well if you need to.

True Traveller insurance has many benefits over some other policies, including:

• medical and repatriation cover;
• cover available for up to 2 years;
• you can claim whilst you’re still in Canada; no need to wait to return home
• you can extend your policy without returning home first;
• free home visits allowed;
• 92 activities covered as standard;
• 40 optional activities in the Adventure Pack.

Steve and I used TrueTraveller for our two year IEC travel insurance and always recommend them to others.

Coming from Ireland and Poland to Canada was very stressful for us. We were therefore glad to have a proper cover when crossing the border.

Having the 2-year travel insurance for Canada really made our experience stress-free.

We also enjoyed all the activities like snowboarding, knowing we are insured with True Traveller. 

Arriving in Canada with no travel insurance can invalidate your IEC Visa.

Local Provincial Insurance is no substitute for international travel insurance. This type of insurance is usually only available to permanent residents of Canada. It also doesn’t include medical repatriation.

We found True Traveller the best and cheapest IEC insurance for Canada from Europe.

Hit this link to get a free quote with TrueTraveller.

As always, please double-check up to date visa requirements on the Canadian government website . 

Thanks for reading,

Steve and Sabina 

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Where do you live

All persons to be insured must reside at a permanent address within the EEC ( Excluding Switzerland, Russia, Belarus, Montenegro and the Ukraine) to be eligible for cover.

Can I take out this insurance if I am already travelling?

When cover is purchased after an Insured Person has departed their home to commence their journey, there is a fixed period of 48 hours prior to cover commencing. Any illness arising during this initial 48 hour period will be an excluded Pre-existing Medical Condition. In the event of serious injury in connection with an accident, you will be covered from the date you take out cover subject to the accident being independently witnessed and also verified by a Medical Practitioner.

There is no 14 Day Cooling off Period and no premium refund will be made if the insured Person has already travelled.

family family 

Definition of a couple

A couple is defined as 2 adults who have been permanently living together at the same address for more than six months, who intend to travel together.

If you do not qualify as a couple, please select individual(s)

Annual Multi-Trip Durations

Annual Multi Trip policies are designed for multiple short holidays leaving from and returning to your home country.

Annual Multi Trip trip limits:

Standard policy - 30 days

Premier policy - 70 days

If you need continuous cover for a year (home visits allowed on policies over 4 months long) select Single Trip or One Way. You can travel around as much as you like, to as many different countries as you like, with a Single Trip or One Way policy.

One Way Trip

Please note a Single Trip policy can cover travels with no return ticket booked, a One Way policy is intended for:

Emigrating to new country where you intend to permanently live

Returning to your home country permanently

All cover ceases upon arrival at final destination

Select the type of policy most suitable for your needs.

Single Trip: A flexible policy with no limits on how many countries you visit or how long you’re away for. Suitable for all types of travel whether it be short term/long stay or backpacking. No return ticket required and unlimited home visits offered on policies over 4 months long.

One Way Trip: Means you are Emigrating to a new country where you intend to live permanently or, returning to your home country permanently. Cover will end upon arrival at your final destination. Please note: There is no cover for emergency return travel expenses if you do not have an original return ticket.

Annual Multi-Trip: This policy covers an unlimited number of trips throughout the 12 month Period of Insurance. Each trip has a maximum stay validity depending on the type of policy chosen. For example, for Standard Policies, the maximum duration of any trip shall not exceed 30 days and for Premier policies, the maximum duration of any trip must not exceed 70 days. 

If you are already travelling it is not possible to purchase the annual multi-trip policy.

Geographical Areas

Europe: Europe means the continent of Europe West of the Ural Mountains, and includes the Isle of Man, the Channel Islands, Iceland, Jordan, Madeira, the Canary Islands, the Azores and Mediterranean Islands as well as all countries bordering the Mediterranean. Australia & New Zealand: a) For any period of cover purchased, a 48 hour stop-over anywhere in the World for both outward and return travel will be included. b) If the period of cover purchased is two months or more, a stop-over of 7 days/nights anywhere in the World will be included. Worldwide excluding North America & Mexico: (North America means the USA, Canada & Mexico.) a) For any period of cover purchased, a 48 hour stop-over anywhere in the World for both outward and return travel will be included. b) If the period of cover purchased is two months or more, a stop-over of 7 days/nights anywhere in the World will be included. Worldwide including North America & Mexico: Worldwide means anywhere in the World including the USA, Canada & Mexico.

Automatic Trip Extension   If the Insured Person is prevented from completing their travel before the expiration of this Insurance as stated under the Period of Insurance on the Booking Invoice or Validation Certificate (as applicable) for reasons which are beyond their control, including ill health or failure of public transport, this Insurance will remain in force until completion but not exceeding a further 31 days on a day by day basis, without additional premium. In the event of an Insured Person being hijacked, cover shall continue whilst the Insured Person is subject to the control of the person(s) or their associates making the hijack during the Period of Insurance of a period not exceeding twelve months from the date of the hijack. Please ensure you arrange cover for the entire duration of your travel

Where you normally reside

Where do you normally reside? Where do you normally reside? Please use the drop down box to choose your country of residence. Note we can only insure residents of the UK & EEA Countries. Can I take out this Insurance if I’m already abroad? If you are normally a resident of the UK or EEA Countries and your insurance has run out, you may take out cover online with us. This is on the understanding that nothing has occurred at the time of taking out the cover which has led to a claim or may lead to a potential claim. Note you cannot take out our Multi-Trip Insurance if you are already abroad. Do you have minimum residency requirements? No. If you are, for example, a British Passport holder and have right of abode in the UK, we are not concerned as to how many months in the past year you have been in the UK provided at the time of arranging this insurance you have a UK residential address.

Age Restriction Error

We are unable to quote, Please ring our Offices on 0333 0033 161 for further assistance.

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Medical & Repatriation

All of our policies exceed the International Experience Canada (IEC) requirements. Our Premier policy covers you for up to £10m for hospitalisation, medical and repatriation expenses ; up to £5m for our standard policy; and up to £2m for our budget policy. All our policies also include emergency dental treatment to relieve pain and suffering (limited to £350).

Winter Sports

We have 4 different options for our winter sports add-on. You can include cover for 14, 28 or 56 days of consecutive or non-consecutive winter sports activities, or you can include cover for the entire duration of your policy with our Unlimited add-on.

Free Home Visits

If you feel homesick at any time, so long as your policy duration is more than 4 months, you can pop home to see family and friends at any time, however many times you choose. Covers stops as soon as you arrive home and starts again as soon as you depart.

Early Return Refund

Decide Canada’s not for you and want to return earlier than your full period of insurance? Other insurers will tell you to wave goodbye to your money, but Big Cat lets you claim a partial premium refund for the unused time you didn’t stay in Canada.

Easy to Re-new or Extend

Big Cat allows you to re-new or extend your travel insurance whether you are at home or abroad. It doesn't matter if you are already travelling you can buy or re-new your policy from anywhere in the world via online access to our system.

No Return Ticket Required

Unlike most other Insurers we don't require you purchase a return airline ticket. Our IEC policy allows stays for up to 2 years, so presenting IEC insurance for 2 years at the Canadian border on entry means that you can receive the maximum 2 year visa. Show up with just 6 months insurance and you'll only get a visa for 6 months!

Up to £10m Medical Cover

No return ticket required, 24 hour emergency helpline, claim while still travelling, iec travel insurance.

For British citizens aged between 18 and 30 years you can travel to Canada for a working holiday under the IEC visa programme. This will allow you to find temporary paid employment to help pay for your trip (up to 24 months). That means, for example, you could work in a ski resort in Banff, a restaurant in Quebec, or gain work experience at a business in Toronto.

Key Features of the Big Cat IEC Travel Insurance :

• Emergency Medical and Repatriation Expenses up to £10 million.
• Emergency Dental Cover up to £350.
• Cover duration of up to 2 years.
• Baggage Cover.
• Gadgets & Valuables Cover up to £1000.
• Free Home visits.
• Policy Extensions whilst still travelling.
• 156+ Sports and Activities.
• You can claim whilst Travelling.
• Winter Sports Cover.
• Loss of Passports & Visas replacement costs.
• Early Return Refund scheme, conditions apply, please see FAQ page.

Frequently Asked Questions:

If you get sick while travelling or you're seriously injured you are covered for emergency medical treatment including:

• Hospitalisation
• Ambulance costs
• Surgery and follow up treatment
• Visits to the Doctor
• Repatriation
• Prescribed Medicine
• Emergency dental treatment to relieve pain and suffering (limited to £350)

24hrs Medical Emergency Assistance.

Decide Canada’s not for you, and want to return earlier than your full period of insurance?

Other insurers will tell you to wave goodbye to your money, but Big Cat lets you claim a partial premium refund for the unused time you didn’t stay in Canada.

How does the EARLY RETURN REFUND work?

Let’s say you buy a 24-month policy to cover your time in Canada. But after nine months, you decide that Canada’s not for you, and you want to return home. You may have invested a substantial amount for your 24 months Big Cat policy, most of which you’ll now no longer need. Unlike most insurers, Big Cat is happy to offer you a partial refund on the redundant portion of your insurance as a fair’s fair consolation. Please note that travel insurance premiums are not calculated on a pro-rata basis, as such, no refund is calculated in this manner either.

How does Big Cat calculate the amount of EARLY RETURN REFUND?

We take the length of time of the original policy and subtract the actual amount of time you have used, and payout the difference, deducting a £50 Cancellation Charge.

Are there other conditions that apply to my EARLY RETURN REFUND?

• Only applicable to 24 month IEC policies.
• We are not able to offer refunds to cover the first 6 months of the policy.
• No refund can be given on a policy where a claim has been made or is likely to be made prior to the cancellation of your Big Cat policy.
• You must be back in your home country and notify us by email of your wish to cancel the policy within 14 days of your arrival, please also provide us with proof of your return to the UK (flight ticket / e-ticket / boarding pass).
• All refund calculations are based on the base premium paid only. Add-ons are non-refundable.

Can you give an example of how much I could receive back in my EARLY RETURN REFUND?

Say you took out a 24-month budget IEC policy costing £525.24, then you wish to cancel the policy after 9 months. Our 9-month budget IEC policy costs £312.55. So we deduct £312.55 from £525.24 = £212.99

Then we apply the £50 Cancellation Charge, refunding you a total of £162.99.

Temporary return to home country (Single trip policies only) Where cover has been purchased for a total duration of 4 months or more, and you want to return to your home country during the period of insurance for any reason that is not directly or indirectly caused by arising or resulting from, or in connection with a claim under this insurance all cover under this policy will be suspended from the time that you clear customs in your home country and restarts after the baggage check in at the international departure point for the return flights, international train or ferry to the overseas destination. Any illness, disease, injuries, accidents which existed, showed symptoms or were diagnosed in the previous trip(s) during this period of insurance will not be covered in the restarted period of insurance.

To add any of our Activity Packs, just follow the Quote form - to stage 3 - there you will find all of the optional extras.

You do not need to call the medical screening helpline in respect of the following automatically covered pre-existing medical conditions, as they are automatically covered at no additional premium provided you do not also have a pre-existing medical condition. If you have a pre-existing medical condition in addition to any of the following automatically covered pre-existing medical conditions all conditions will be excluded from cover, unless disclosed to the medical screening helpline and additional cover agreed in writing.

A cne, ADHD, Allergic reaction (Anaphylaxis) provided that you have not needed hospital treatment for this in the last 2 years, Allergic rhinitis, Arthritis (the affected person must be able to walk independently at home without using mobility aids), Asthma (the diagnosis must have been made when the affected person was under the age of 50, and the asthma be controlled by no more than 2 inhalers and no other medication),

B lindness or partial sightedness,

C arpal tunnel syndrome, Cataracts, Chicken pox – if completely resolved, Common cold or flu, Cuts and abrasions that are not self-inflicted and require no further treatment, Cystitis – provided there is no on-going treatment,

D eafness, Diabetes (which is controlled by diet or tablets only), Diarrhoea and vomiting – if completely resolved,

E czema, Enlarged prostate – benign only, Essential tremor,

G laucoma, Gout,

H aemorrhoids, Hay fever,

L igament or tendon injury – provided you are not currently being treated,

M acular degeneration, Menopause, Migraine – provided there are no on-going investigations,

N asal polyps,

R SI, Sinusitis – provided there is no on-going treatment,

S kin or wound infections that have completely resolved with no current treatment,

U nder active Thyroid (Hypothyroidism), Urticaria,

V aricose veins in the legs.

To declare any pre-existing medical conditions,

please visit our online medical screening

If you would rather undergo your medical screening by telephone,

please get in touch with us on 01702 427237 and any of our agents will be happy to assist you.

This is a secure and confidential service which allows you to declare any pre-existing medical conditions you may have,

as defined by your Big Cat policy wording.

For more information about the (IEC) International Experience Canada insurance requirements, visit the Canadian Immigration & Citizenship .

Big Cat Travel Insurance Services, a trading name of Flynow.com Ltd (registration No.FRN 745388)   is an Appointed Representative of Campbell Irvine Ltd (registration No.306242) who are authorised and regulated by the Financial Conduct Authority. You may check this on the Financial Services register www.fca.org.uk  or by contacting them on (0) 800 111 6768. © 2023 Big Cat Travel Insurance Services.  All rights reserved.

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List of automatically covered medical conditions that do not need to be declared

Acne, ADHD, Allergic reaction (Anaphylaxis) provided that you have not needed hospital treatment for this in the last 2 years, Allergic rhinitis, Arthritis (the affected person must be able to walk independently at home without using mobility aids), Asthma (the diagnosis must have been made when the affected person was under the age of 50, and the asthma be controlled by no more than 2 inhalers and no other medication), Blindness or partial sightedness, Carpal tunnel syndrome, Cataracts, Chicken pox - if completely resolved, Common cold or flu, Cuts and abrasions that are not self-inflicted and require no further treatment, Cystitis - provided there is no on-going treatment, Deafness, Diabetes (which is controlled by diet or tablets only), Diarrhoea and vomiting - if completely resolved, Eczema, Enlarged prostate - benign only, Essential tremor, Glaucoma, Gout, Haemorrhoids, Hay fever, Ligament or tendon injury - provided you are not currently being treated, Macular degeneration, Menopause, Migraine - provided there are no on-going investigations, Nasal polyps, PMT, RSI, Sinusitis - provided there is no on-going treatment, Skin or wound infections that have completely resolved with no current treatment, Tinnitus, Underactive Thyroid (Hypothyroidism), Urticaria, Varicose veins in the legs.

Important information

If you have a medical condition in addition to any of the automatically covered medical conditions, all conditions will be excluded from cover unless declared to the medical screening helpline.

What is classed as a medical condition?

a Any respiratory condition (relating to the lungs or breathing), heart condition, stroke, Crohn’s disease, epilepsy, allergy, or cancer for which you have ever received treatment (including surgery, tests or investigations by your doctor or a consultant/ specialist or prescribed medication).

b Any psychiatric or psychological condition (including anxiety, stress and depression) for which you have suffered which you have received medical advice or treatment or been prescribed medication for in the last five years.

c Any medical condition for which you have received surgery, in-patient treatment or investigations in a hospital or clinic within the last 12 months, or for which you are prescribed medication.

Any premium for medical screening quoted can be paid directly. This can be done either before or after taking out a policy with us. The policy and medical extension connect automatically, no reference numbers need to be exchanged.

Choosing not to declare a medical condition will not invalidate cover, but any costs incurred in relation to an undeclared condition will not be covered.

If making a declaration all medical conditions must be declared, you can't choose to only declare certain conditions.

Medical conditions can only be declared for up to 12 months at a time. A second declaration will have to be made after 12 months if necessary.

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Prepare for arrival – International Experience Canada

When you arrive in Canada, you will be greeted by a border services officer . Tell them that you have come here to work.

Be prepared to show the following documents:

• your passport
• your Port of Entry (POE) Letter
• proof of funds
• proof of health insurance
• a ticket for your departure from Canada or sufficient funds to purchase such a ticket and
• copies of the documents you provided in your work permit application

Note:  If you are an  unpaid  International Co-op (Internship) participant, you may need to show proof of additional financial resources to cover expenses for your entire stay.

You will receive a work permit if the border services officer is satisfied that you are admissible to Canada .

If the officer is not satisfied, you may be asked to return to your country on the next flight at your own expense.

Health insurance

The border services officer may ask you for proof of health insurance.

You may be refused entry if you do not have insurance.

Your insurance must cover:

• medical care
• hospitalization and
• repatriation (returning you to your country in the event of severe illness, injury or death)

When you arrive at the port of entry, you must have health insurance valid for your entire stay in Canada. Having a valid provincial health card is not enough. Repatriation is not covered by provincial health insurance.

If your insurance policy is valid for less than your expected stay, you will be issued a work permit that expires at the same time as your insurance.

If this happens, you will not be able to apply to change the conditions of your work permit at a later date.

The border services officer may also ask for proof of funds.

You must present a statement of your bank account issued no more than 1 week before your departure for Canada. It must clearly show that you have enough money to support yourself for the first 3 months of your stay in Canada (the equivalent of CAN$2,500).

If you arrive in Canada with the equivalent of CAN$10,000 or more , you must tell the border services officer. If you do not, you could be fined or put in prison. These funds could be in the form of:

• securities in bearer form (for example, stocks, bonds, debentures, treasury bills)  or
• bankers’ drafts, cheques, travellers’ cheques or money orders

Review your work permit

Check your work permit carefully before leaving the border services office. Make sure you understand all the information on the permit.

If you think there is a mistake on your work permit, please tell the border services officer right away .

Things you should look for:

Make sure your name is spelled correctly.

Check the expiry date shown under the “Valid until” box.

If you’ve applied under the Young Professional or International Co-op (Internship) category, the validity period of your work permit will normally match the period your employer requested in your job offer.

Your work permit will not be valid beyond:

• the amount of time indicated in the agreement between Canada and your country
• the expiry date of your passport
• the expiry date of your health insurance or
• the end date of your work contract (Young Professionals and International Co-op (Internship) participants)

Medical restrictions – if you have passed an immigration medical exam, you should not have medical restrictions on your work permit.

Working Holiday participants

Your work permit should show:

• “open” employer and
• “open” location

Open employer and employment location means you have an open work permit .

As long as your work permit is valid, there are no restrictions on:

• how long you can work or
• how many hours you can work

Young Professionals or International Co-op (Internship) participants

Your work permit should indicate the name of your employer.

You can work only for the employer specified in your work permit. The employer’s name is based on the offer of employment submitted.

Leaving and returning to Canada

If you leave Canada while your work permit is still valid and return to continue working, the border services officer will re-assess your admissibility each time you enter Canada.

If you are still admissible, the border services officer will allow you to re-enter Canada with your original work permit.

The work permit states “This does not authorize re-entry.” This means the permit allows you to work in Canada after you have been legally admitted.

The work permit is not :

• a visa or passport that will allow you entry to Canada or
• a guarantee of your re-entry to Canada

Getting a social insurance number

The Social Insurance Number ( SIN ) is a nine-digit number that you will need to work in Canada and to access government programs and benefits. You should apply for a SIN as soon as possible after you arrive in Canada.

To apply for your SIN, contact the nearest Service Canada office .

Employment and labour standards

Each province and territory has standards to protect employers and employees.

Labour standards include rules about:

• minimum wage
• hours of work
• rest periods and
• days of rest

If you have any questions about labour standards or if you think your employer is not meeting them, contact the ministry in charge of labour or employment standards in the province or territory where you work.

To find out more about employment standards and your rights, see Understand your rights – temporary workers .

Labour standards organizations

Find out how to contact the office responsible for labour or employment standards in the province or territory where you work:

• British Columbia
• New Brunswick
• Newfoundland and Labrador
• Northwest Territories
• Nova Scotia
• Prince Edward Island
• Saskatchewan

You can also contact Labour Canada , the federal department that regulates employment and enforces standards such as hours of work, holidays, leave, pay, and more.

Staying in Canada

You may be able to stay in Canada as a tourist after your work permit expires. Complete the Come to Canada tool to find out if you are eligible to extend your stay.

You must do this while your work permit is still valid .

Help Centre

Applying to international experience canada, page details.

Best Travel Insurance For A Canada Working Holiday(IEC Travel Insurance)

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Many of us who move to Canada on an IEC visa don’t realise that you will need travel insurance for a Canada working holiday.

As soon as we do realise we head to Google or ask a Facebook group.

In this article, I am just going to break down some of the popular options for IEC travel insurance and why I recommend them.

Firstly, what does the government say about travel insurance for a Canada working holiday?

See for yourself on the gov website here or read below:

For International Experience Canada, you must have health insurance for the entire time you are in Canada. The health insurance must cover

• medical care;
• hospitalization; and
• repatriation.

We recommend you buy this insurance only  after  you receive your port of entry (POE) letter.

We can’t recommend specific insurance companies or plans, but you can search online for something that meets your needs.

You may be refused entry if you don’t have insurance. If your insurance policy is valid for less time than your expected stay in Canada, you may be issued a work permit that expires at the same time as your insurance.

Yikes, so be sure to get IEC travel insurance!

So what is the best travel insurance for a Canada Working holiday visa?

There is a big difference between the super cheap insurance companies and the ones that are more expensive.

My first recommendation and who I use on all my trips:

True Traveller – Unlimited trips home(more on this later) they cover 92 activities as standard!

These include bungee jumping, horse riding, safari touring, scuba diving to 18M and lots more activities you may end up partaking in on your trip.

True Traveller also includes non-manual work if you’re on an IEC Working Holiday.

My second recommendation which people recommend all the time is Worldnomads :

Premium insurance for a premium price. But don’t let that deter you, they have some of the best travel insurance covers you can find. 

They also cover you for unlimited trips home so are a great choice.

Just don’t forget if you think you will be doing some winter sports make sure to choose it.

But again the companies are flexible so if you want to add it later you can

So what about this trips home you mentioned?

Glad you asked, well as most of you reading this are coming from Ireland or the UK you can just book through a local company. But  and this is a big BUT, make sure to double check the terms and conditions.

The same as when you need travel insurance for Australia , these companies often fail to highlight the fact that you can only come home for 10 – 20 days a year before your policy is void!

I will have to repeat that as it didn’t sink in for me when I first read it either.

So let’s say you’re having a great time in Vancouver enjoying your summer days on Kits beach and snowboarding in Whistler during the winter, great life right?

Now, it’s been about 8 or 9 months you wouldn’t mind popping home to say hi to the parents, friends and eat a big bag of Taytos. I hear ya, it happens.

So when you book your two-week trip home, with many policies it can be just over the allowed days you can return that year!

These terms and conditions change all the time so be sure to double check before booking.

The above will all cover you for the 24 months travel insurance you will need in Canada.

To summarise my IEC travel insurance options would be:

• True Traveller
• Worldnomads
• Fastcover (if you are coming from Australia they are fantastic!)
• Your own home country equivalent – Just make sure to check the terms!!

Don’t forget about money transfers

Okay, I hope you found some useful information about IEC travel insurance above.

One other thing we often overlook is sending money to Canada . The first thing we do get our bank account set up and then need to transfer our funds to Canada.

The absolute worst thing you can do is use your bank to transfer money. I am not saying this to shock you, but they charge 4- 6% on the exchange rate and you can easily lose CAD$100-$200+ on a transfer.

Instead, use a money transfer company, as it is straightforward to send money to Canada but not so easy to send it out of Canada(you typically have to go into the branch and ugh it’s just a pain)

I recommend either Currencyfair or Transferwise to send your money to Canada.

With Currencyfair you can get your first ten transfers for free here (only for a limited time)

Or with Transferwise you can get some great rates. Just keep in mind their transfer fee increases the more you send.

Lastly, if you are planning on sending over $10k, I recommend OFX as you get a dedicated broker and it a much more personal service which can save a few extra euros. Get free transfers for life here.

Enjoy your Canada working holiday visa!

There is enough to worry about moving to Canada without all these additional things, but I hope this post has cleared things up a little.

Be sure to share and thanks for stopping by!

2 thoughts on “Best Travel Insurance For A Canada Working Holiday(IEC Travel Insurance)”

Superb Blog, das pure Leidenschaft strahlt … Joann Gregorio Lorrin

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Canada Work & Travel Insurance

Planning on moving to Canada? Get Backpacker Travel Insurance whether you are going to work, study or simply take a gap year in the other side of the Atlantic with your 2 year working holiday visa. Keep in mind that you will need travel insurance for the duration of your stay and you must present a copy of your policy when you enter the country.

We offer insurance for up to 2 consecutive years that meets all the requirements of the International Experience Canada (IEC), including medical and repatriation costs. It also includes many other benefits of a regular backpacker insurance policy, such as cover for work, sports, missed departure and baggage. Get a quote now and enjoy your time in Canada!

2 Year Policy from €486.75* Or customise your policy for any length of time up to 2 years.

*Online Premier price for 2 years Canada Only cover for one person under 50 years.

From €129.99* 6 Months, 1 & 2 Year policies available.

*Online Premier price for 6 Months Worldwide incl. USA/Canada cover for one person aged under 50 years.

Key Benefits of Travel Insurance for Canada

Emergency assistance service.

The Emergency Assistance Service is available to you 24/7 with worldwide and multi-lingual support.

Worldwide Coverage

You still will be covered with the policy if you decide to go on a quick trip up to maximum 21 days to The United States of America.

Medical Cover & Repatriation

The policy provides cover for Emergency Medical expenses including hospitalisation and repatriation expenses.

If your plan is to work in Canada, the policy can provide cover for a number of different occupations.

Winter Sports

If you are planning on hitting the Canadian mountains, you can add Winter Cover to your policy for an Additional Premium.

Instant Cover

With BackpackerTravelInsurance.ie you get instantly covered once you have not already departed or commenced your trip.

Please see the policy wording for full terms, conditions and exclusions.

Why choose BackpackerTravelInsurance.ie?

Super competitive prices.

In addition to affordable insurance policies, we provide two levels of cover, Premier and Premier Plus.

Easy Claims Process

Claims procedure is made as simple and straightforward as possible and there is a claims adjuster based in Ireland.

Multi Award Winning Company

Backpackertravelinsurance.ie is part of Cover-More Blue Insurance Services Limited, winner of numerous Best Travel Insurance Provider awards.

High Customer Satisfaction

We have received many 5 star reviews on Trustpilot.

Safe and Secure

BackpackerTravelInsurance.ie website is SSL certified and all the transactions are encrypted.

Trustworthy Underwriter

Policies are underwritten by MAPFRE ASSISTANCE Agency Ireland.

We have received many 5 star reviews on Trustpilot, an independent third-party review platform.

What our Customers Say About Us

Contact us for more information.

• BackpackerTravelInsurance.ie,
• Blanchardstown Corporate Park 2,
• Blanchardstown, Dublin 15.
• 0818 286 455
• 01 513 5997
• [email protected]
• Opening hours:

• Choosing an IEC Travel Insurance Policy

Essential Requirements

Choosing the right insurer, questions to ask, 24 month travel insurance providers.

Don’t forget to check out our Youtube channel or WSC Ski-Tok for those wanting more visually appealing content!

Use our free instant-call back or Whatsapp widgets to get in touch. Check out our FAQ’s.  for answers to all your questions.

But if you have any unanswered concerns we are always on hand to help via our free instant call-back , mail & Whatsapp widgets.

IEC Travel Insurance Options

Choosing a 2 year IEC Travel Insurance Policy

The IEC working holiday visa for Canada is 24 months for most countries, which means you need a 2 year IEC travel insurance policy. In this article, we’ll tell you what to look out for, the essential requirements of travel insurance, questions to ask, and at the very end, we list and link to the companies which offer 24-month travel insurance policies.

• The policy must cover the entire length of your stay. The immigration officer who issues your work permit on arrival will only issue a visa for the length of your travel insurance policy. So, if you’re trying to save money and only opt for a 1-year policy, be aware that you will only be issued a 1-year work permit, and it can’t be extended once it’s issued.
• Your IEC travel insurance policy must cover medical care, hospitalization and repatriation to your home country.
• Comprehensive winter sports cover is essential for all Winter Sports Company clients. We recommend taking a high level of winter sports cover, especially if you expect to ski or snowboard in the back-country or snow park.
• You are looking for a ‘long-stay’ or a ‘single trip’ policy. A multi-trip policy is standard travel insurance for holidays but usually, it only insures you for trips 30 days or less and is not suitable for IEC travel insurance.
• The added extras – consider everything! This insurance may save you tens of thousands of dollars in the long run.

Insurance companies all have different terms and conditions – before you commit to a policy, read the fine print. For example, some policies may include a clause of proof of intent to return to your home country at the end of your visa. If you can’t prove this, any claims you make may be rejected.

Trips home and further travelling – some companies have a condition written into their policies that you can only travel outside of Canada once or twice (this includes trips home). If you are planning further travel or may extend your stay after your visa expires, look for an IEC travel insurance policy with ‘extensions possible’.

Pre-existing medical conditions will need to be declared and checked to see if they are covered in your policy. If you need medical attention during travel, paying more for insurance to cover pre-existing conditions will be worthwhile.

Don’t forget, Travel Insurance companies are smart – and they will investigate. This can include checking your travel records and medical records to refuse pay-outs if you break the terms of your insurance.

What is the level of cover before I travel? 

It is a good idea to opt for a policy with cancellation cover from the date you purchase insurance until the day you travel – most policies will include this as standard.

How are claims handled?

Some insurance companies require you to pay for things upfront and then claim reimbursement. Others deal with claims directly – be clear on this policy. It will cause you less stress if you have an unexpected trip to the hospital and you know what proof you need to make a claim.

Where can I view my documents? 

You need a printed proof of insurance for IEC to enter the country. Most insurance companies offer digital proof of insurance – so save it to your computer.

Does the policy have financial failure protection?  

This means you can claim if a company that is providing you with part of your trip goes into liquidation.

Is there a free-phone claims line, and what is the number for calling outside the country?

Put this number in your phone – then you have quick access to it in emergencies.

Am I covered for trips outside of   Canada?

If you think you’ll take impromptu trips south of the border to the USA, or holidays further afield, make sure your insurance covers these.

What is your policy on trips home?

Some insurers do not allow trips home, others only allow a couple, and some allow unlimited trips back and forth. Be wise and realistic; returning to your home country may seem unlikely. However, you don’t want to void your insurance if you need to make a trip home for a family emergency.

Are luggage and personal items covered?

This includes ski and snowboard equipment – if you’ve got a lot of expensive stuff, find out if it’s covered and how much for.

Can I make changes to my policy?

Do you think you might extend your trip or want to add an extra level of cover at a later date? If so, check if this is possible – some insurance policies are iron clad after the initial cooling off period.

What is your policy on pre-existing medical conditions?

If you need cover for existing conditions, ask as many questions as possible about it, and get something in writing before you commit to the policy.

Is there an excess waiver, and how much is it?

Insurance companies usually offer an excess waiver which means if you need to claim, you don’t have to pay anything towards your claim.

Is this the best price you can do?

This is always worth an ask! Travel insurance can be expensive, but never be afraid to phone up. Ask if there is an active discount code or if you can have a discount for booking insurance well in advance.

True Traveller BigCat Travel insurance Fast Cover Travel Insurance

For short term travel and winter sports cover, check out our insurance page .

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What type of insurance do I need for International Experience Canada?

For International Experience Canada , you must have health insurance for the entire time you are in Canada. The health insurance must cover

• medical care;
• hospitalization; and
• repatriation.

We recommend you buy this insurance only after you receive your port of entry (POE) letter. We can’t recommend specific insurance companies or plans, but you can search online for something that meets your needs.

You may be refused entry if you don’t have insurance. If your insurance policy is valid for less time than your expected stay in Canada, you may be issued a work permit that expires at the same time as your insurance.

Did you find what you were looking for?

If not, tell us why:

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Answers others found useful

• Can I come to Canada before I receive my POE Letter?
• Can I change employers if I have an International Experience Canada work permit?
• Can I extend my International Experience Canada work permit?
• Can I stay in Canada as a tourist after my work permit expires?

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Form and guide

• Application to work in Canada

Glossary term

• Work permit

Phone: (+1) 800 697 7717

Email: [email protected]

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What is IEC Working Holiday Visa in Canada Program?

We’ve made a life that will change you.

IEC Working Holiday Visa provides temporary work permits to young people from over 30 countries, so they can legally live and get a job in Canada. The permits are valid for either 12 or 24 months, depending on your country of citizenship.

Eligibility Your country of citizenship must have an agreement with Canada that allows you to apply for an IEC work permit, or You may be able to use a Recognized Organization.

Our IEC Insurance Partners

With Insurance 4u, you can browse through the widest range of insurance partners to find a suitable policy that suits your needs. Following are our IEC insurance Partners:

• Allianz IEC Insurance
• Ingle Assurance IEC Insurance
• Destination TG IEC Insurance
• Travel Shield IEC Insurance
• Secure travel IEC Insurance
• JF Insurance IEC Insurance
• 21st-century IEC Insurance
• Travelance IEC Insurance
• Manulife IEC Insurance
• Tugo IEC Insurance

IEC Program

The International Experience Canada (IEC / Work Visa Canada / Working Holiday) program is an incredible opportunity to travel and work for young adults from certain countries, who are between the ages of 18 and 35. If you are an IEC participant, you have the unique opportunity of exploring this beautiful country, its nature, its culture and its people, who have come here from all over the world!

IEC / Working Holiday Travel Insurance: Requirements

The International Experience Canada program requires its participants to have proof of their IEC / Working Holiday Travel Insurance in order to ensure their financial safety from unforeseen medical emergencies that may happen during the trip.

IEC / Working Holiday travel insurance MUST:

• Be valid for the whole duration of your intended stay
• Cover medical care, hospitalization and repatriation
• Be valid for each entry to Canada
• Be available for review by a POE officer at the Canadian border

IEC / Working Holiday Travel Insurance: 2 Year Coverage

International Experience Canada participants have a wonderful opportunity to enjoy staying in Canada for up 2 years without renewing their status. Insurance coverage for the 2-year Canadian IEC Work Visa consists of 2 policies for 365 days of consecutive coverage each, which gives you a greater flexibility with your insurance in case your travel plans change! Find out more about the 2 year insurance package using the button below and take advantage of our IEC / Working Holiday Insurance Calculator to browse your options and get a free quote toda

Monday to Saturday: 10am to 7pm

What is IEC in Canada?

Young people between the ages of 18 and 35 who have applied for the IEC / Working Holiday program have to purchase travel emergency insurance before coming to Canada, as a POE officer may request proof of your medical coverage. International Experience Canada (IEC) is a program designed to allow youth the opportunity to work in Canada for temporary periods. Citizens of countries with a bilateral Youth Mobility Arrangement with Canada who are between 18 and 35 years old may be eligible for IEC work permits.

What documents do I need for IEC Canada?

Is health insurance mandatory for iec – international experience canada.

You may be refused entry if you do not have insurance.

Your insurance must cover:

Medical Care / Medical Emergency Hospitalization and Repatriation (Returning you to your country in the event of severe illness, injury or death)

Note: When you arrive at the port of entry, you must have health insurance valid for your entire stay in Canada. Having a valid provincial health card is not enough.

Who needs IEC / Working Holiday travel medical insurance?

Young people between the ages of 18 and 35 who have applied for the IEC / Working Holiday program have to purchase travel emergency insurance before coming to Canada, as a POE officer may request proof of your medical coverage. If you are uninsured, you may be denied entry to Canada until you purchase an International Experience Canada travel/working insurance policy. Moreover, if you decide to skip out on purchasing appropriate coverage, you are potentially exposing yourself to a great risk as medical costs in Canada can easily run up to several thousands of dollars just for a single day in the hospital.

Does Canadian medical insurance satisfy all the requirements set by International Experience Canada?

Yes. Each IEC / Working Holiday insurance plan we offer provides the required coverage for hospitalization, medical care and repatriation as well as much more!

Does my IEC / Working Holiday medical insurance cover trips outside Canada?

Yes, you will be covered by this policy anywhere around the globe as long as you are not in your home country or any other country or territory, where you may be eligible for a government healthcare plan. In order to maintain this benefit, you must remain in Canada for a little over 50% or 75% of the policy period, depending on your chosen insurance policy.

Is it better to purchase IEC / Working Holiday medical coverage from a Canadian insurance company?

Absolutely. With a health insurance policy from a Canadian provider it is much easier to file a claim, receive comprehensive sports coverage, as well as have direct billing. With this you do not have to pay for medical assistance yourself and get reimbursed later; rather, there are local branches of the company where you can meet a representative.

Do IEC / Working Holiday participants have the right to obtain government health insurance?

No, that is why it is very important that IEC visitors purchase appropriate travel insurance for the duration of their stay in Canada. Moreover, IEC / Working Holiday participants who are about to get their Canadian Work Visa, are not covered by government health insurance plans. This is why, it is a key requirement to purchase travel insurance for a Working Visa in Canada for the whole duration of your stay in Canada. However, IEC / Working Holiday participants can become eligible for provincial healthcare if he/she is employed. Please note that eligibility requirements vary depending on the Health Ministry within the Canadian province or territory of your temporary stay.

Should I provide my home country address for an IEC insurance policy or my Canadian address?

When shopping for health insurance for Working Holiday Visa Canada, you should include a Canadian street address in the application. If you do not have one, you may enter the address of a hostel or a friend/family member you are going to stay with. In case you have not yet decided where to stay, just contact one of our insurance advisors and we will work something out.

As an IEC participant, do I have to purchase an insurance policy for the whole duration of my stay even if it is 2 years?

Yes, it is a requirement to be covered for the whole duration of your intended stay in Canada.

Are Sports and Occupational injuries covered by these insurance policies?

Yes, all Canada Working Holiday Visa medical insurance plans that we offer cover occupational and sports injuries including winter ones such as ski and snowboard, etc. as long as it is not competitive. Please note that high-risk recreational activities such as scuba diving, bungee jumping, rock climbing, etc. are not covered.

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The Best Canada Ski Season Insurance for Your IEC Working Holiday

It may not the most fun or interesting part of your ski season in Canada, but buying travel insurance is a vital part of it. This post will first go into the why and how of ski season insurance and then offer suggestions of Canada ski season insurance providers.

Last updated December 2022

This post includes some affiliate links. If you make a qualifying purchase through one of these links, I may receive a small commission at no extra cost to you.

The need for Canada ski season insurance

There are many reasons to have ski season insurance in Canada, but here are the two most important (in my opinion):

An immigration requirement

Health or travel insurance for the length of your stay in Canada is a mandatory requirement for taking part in the IEC working holiday program.

You may be refused entry if you do not have insurance. Your insurance must cover: medical care hospitalization and repatriation (returning you to your country in the event of severe illness, injury or death) When you arrive at the port of entry, you must have health insurance valid for your entire stay in Canada.  If your insurance policy is valid for less than your expected stay, you will be issued a work permit that expires at the same time as your insurance. If this happens, you will  not  be able to apply to change the conditions of your work permit at a later date. https://www.canada.ca/en/immigration-refugees-citizenship/services/work-canada/iec/prepare-arrival.html

When you apply for a working holiday in Canada, you agree to purchase travel insurance for the length of your stay. Don’t take the risk of having your work permit shortened or even cancelled.

High medical care costs in Canada

The other main reason to have insurance is for medical care costs, especially repatriation*. No-one expects to fall seriously ill or have an accident, but it does happen. And without insurance, the situation can be even worse. Medical care is expensive in Canada for non-residents. I’m talking thousands of dollars for small injuries even without an overnight stay in hospital.

My mum recently visited from the UK and broke her wrist on day three, just walking down an icy street. The total cost was around $16,000 (£10,000) for the emergency room visit, surgery and one follow up visit. *Repatriation in this situation means that you (or quite morbidly, your body) would be returned to your home country if serious injury, illness or even death happened on your trip. Even if you don’t care much about medical costs yourself, do consider your family. They would be the ones to pick up the bill in the event of the worst happening.

But what about provincial healthcare?

Yes, Canada does have publicly funded healthcare. But provincial healthcare is no replacement for travel insurance.

• It does not cover repatriation to your home country if the worst happens (death or serious injury) and it does not satisfy IEC program requirements
• To add to this, all of the provincial healthcare programs are different, and depending on what plans you have for your time in Canada, you may not even be eligible. In my case, I wasn’t eligible in BC due to having a short term ski resort job
• There is usually a three month waiting period until you are covered by provincial healthcare programs

What kind of travel insurance is right for a ski season in Canada?

Buying Canada ski season travel insurance is not as straightforward as it may initially seem. Here are some things to keep in mind when searching for ski season insurance:

• The length of coverage – your policy must cover the length of your intended stay in Canada, as per the IEC requirements. If not, you may receive a shortened work permit that you cannot extend
• One-way flights – Most people heading to Canada to work a ski season will do so with a one-way flight. A lot of insurance companies do not insure people leaving their home country without a return flight booked
• Winter sports – OK, this is an obvious one, but you need to make sure that your insurance covers winter sports plus any other ‘extreme’ activities you may want to do in Canada. And yep, winter sports coverage will raise the cost of your insurance policy
• Returning home – Some ski season insurance policies do not allow you to return to your home country during coverage without the policy becoming void (and then you’d have to buy another one!) Keep in mind that weddings, funerals and severe illness may happen while you are away
• Eligibility – Are you already travelling away from your home country? Or have you not lived there lately? If so, you will be more limited in choice of travel insurance providers. Most travel insurers require you to start the policy from your home country and/or have lived there for 6 months or more before leaving

Ski season travel insurance options for Canada

All of the below suggestions have long stay policies available for Canada with winter sports coverage available for an additional premium.

Cover-More provides 12 month long travel insurance policies for Australians, with three levels of coverage – Basic, Comprehensive and Comprehensive Plus. All provide unlimited funds for overseas medical expenses. Winter sports coverage is available for an additional fee.

For 24 months of IEC coverage, purchase 2 x 12 month policies. Cover-More allows policies to be started while abroad, though there is technically no coverage for the first three days of that policy.

Another option is BestQuote , who are travel insurance specialists partnered with some of the largest and most reputable insurance providers in Canada. There are various coverage amounts available (most starting at $100,000) and adjustable excess levels as well.

Prior to the pandemic, Fast Cover was one of the most popular insurance providers for Australians heading to Canada for a ski season, with a specific 12 IEC policy that could be extended by another 12 months on the date of departure.

True Traveller offers a 24 month specialised IEC policy that allows unlimited visits home and can be started even if already travelling. I personally used True Traveller for my IEC working holiday.

Winter sports coverage is available and there are no minimum residency requirements. 92 activities are covered as standard with True Traveller, including horse riding and bungee jumping. If you need coverage for more activities (such as rock climbing), an additional activity pack can be selected.

New Zealand

Working holiday travel insurance options for New Zealand citizens have become more limited since the start of the pandemic. I previously linked to Down Under, who had a 24 month IEC specific policy. I do not believe they are currently trading.

Cover-More offers one year policies for New Zealand citizens, with winter sports coverage available for an additional fee. For the other 11 months, Kiwis will need to source another insurance policy.

One option for the second policy would be BestQuote , who are travel insurance specialists partnered with some of the largest and most reputable insurance providers in Canada. There are various coverage amounts available (most starting at $100,000) and adjustable excess levels as well.

For most IEC nationalities

BestQuote are travel insurance specialists, partnered with some of the largest insurance providers in Canada. It is possible to renew, compare and purchase IEC specific insurance policies up to 2 years in length. The 2 year IEC policies cover basic (non-competitive) ski cover as standard.

Common questions about ski season insurance

Can I cancel my Canada ski season insurance policy?

No, as this would be considered fraud.

How would an insurance company know whether I have already travelling or not when purchasing a policy?

Their website may use an IP detector which would show where you are when purchasing. Besides that, if you needed to claim then you would need to prove the date you left your home country (with flight tickets for example).

Do I really need to buy additional winter sports coverage if I buy one of the insurance policies that includes up to 21 days of skiing as standard?

Yes. If you needed to claim for a skiing accident, it is very possible that an insurance company would research how often you would have skied. At the ski resort I used to work at, we would sometimes receive calls from insurance companies asking to examine the ski lift records of season pass holders for claiming purposes.

Why are some insurance policies a lot cheaper than others?

With insurance, you do generally get what you pay for in my opinion.

Why is ski season travel insurance SO expensive for Australians?!

Insurance policies for Australians are particularly expensive – around $2000-3000. It sucks but there are no cheap options for Australians.

I’m planning to work a ski season so will get winter sports coverage but what if I change my mind?

Contact the travel insurance provider before purchasing and ask whether winter sports can be added on at the same price later. That way you can just buy the basic coverage and ‘top it up’ with winter sports later.

What do I need to prove I have insurance on arrival in Canada?

A print-out of the policy certificate showing the length and coverage

Planning a ski season in Canada? Here are some helpful resources Secure your working holiday visa – your first step to an amazing ski season in Canada is to apply for the IEC program Research Canadian ski resorts and apply for work – Get the low down on Canada’s huge range of ski resorts and learn tips and tricks for finding a job Book arrival accommodation – It’s a smart idea to spend at least a few days in whichever Canadian city you land in. Booking.com usually offers the best rates for hostels and hotels Don’t forget travel insurance – A mandatory part of the IEC working holiday program in Canada, travel insurance also protects you against serious medical care costs in case of illness or injury. I have personally used True Traveller Get prepared for arrival in Canada – This moving guide includes everything you need to know about immigration, getting a local Canadian number, opening a bank account and more

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Canadian travel insurance for British travellers to Canada

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 If you’re considering travelling to Canada from the United Kingdom, it’s important to understand your Canadian travel insurance needs. 

Canada and the United Kingdom have always enjoyed a close relationship — after all, they’re both commonwealth countries. British citizens have been coming to Canada for centuries, and the drive to explore our beautiful country remains strong. An average of 724,000 British nationals visit Canada every year.

As a UK resident planning travel to Canada, you should take the time to consider your Canadian travel insurance and health insurance plans in advance. Today, we’ll help you determine which types of travel insurance for Canada are ideal for your next trip.

Why Do British Citizens Need Travel Insurance for Canada?

Whether you’re planning to move, looking for a new job, or just booking your next vacation, you should always ensure that you have health and travel insurance before you arrive in Canada. Even though both Canada and the United Kingdom enjoy similar types of publicly funded universal healthcare , the two systems do not overlap.

Regardless of whether you have private insurance in addition to your regular NHS coverage, this typically won’t cover you in a foreign country. It’s up to you to arrange for the necessary insurance to ensure your trip goes off without a hitch.

Many Brits who are tempted to take a trip to Canada without Canadian travel insurance can easily find themselves out thousands of dollars or even more if they miss their flight, or if they find themselves sick or injured with no way to pay for treatment.

To help protect yourself against these unexpected expenses, make sure you purchase insurance before you leave the United Kingdom. Moving2Canada’s partner Cigna offers fast and affordable travel insurance plans. Find out if Cigna could be an option for you by getting a free quote — it only takes a minute!

Are you covered for life in Canada?

As a traveller from the united kingdom, what should my canadian travel insurance cover.

As a traveller from the United Kingdom, when you’re buying Canadian travel insurance, it’s hard not to get overwhelmed. However, learning more about the coverage options can help you make the right decision.

Here are some types of coverage you should know about before purchasing traveller’s insurance for Canada.

• Emergency medical & hospitalization: Having coverage for unexpected medical expenses is one of the most important elements of any travel insurance plan. In order to avoid extremely costly medical bills, ensure your Canadian travel insurance and/or international health insurance covers emergency medical expenses like ambulance services, medical bills, and hospitalization.
• Medical evacuation : Unlike the United Kingdom, Canada is huge! If you’re away from medical facilities and get ill or injured, you may need to be airlifted to the nearest or most appropriate medical facility. A great travel health insurance plan should offer some coverage for medical evacuation.
• Pre-existing conditions : Anyone with a pre-existing condition should make sure that any travel insurance they purchase offers pre-existing condition coverage. When in doubt, call the insurance provider and ask whether your specific condition is covered.
• Repatriation : If you were to die while in Canada, bringing your remains home is an incredible expense. This coverage offers a set amount of money towards the repatriation of your remains if the worst were to occur while you were away from the UK.
• Trip Cancellation/Trip Interruption : No one wants to pay out of pocket if their trip was cancelled, delayed, or interrupted. Purchasing trip cancellation or trip interruption insurance helps to offset these sometimes unavoidable costs.
• Baggage Loss/Delay : Hate dealing with lost or delayed luggage? This type of coverage makes it simple. If your baggage is lost or delayed on your flight, you’ll get a set amount of money to cover the cost of new clothes and other necessary items.

Canadian Travel Insurance Considerations for Different Types of British Travellers

When you travel to Canada from the United Kingdom, your insurance needs will change depending on the length of your visit and your immigration status in Canada. Here are some considerations you should keep in mind depending on your situation.

If you enter Canada from the UK as a tourist or visitor , typically you are eligible to stay for a maximum of 6 months. Regardless of whether your visit will last for months or just days, you should plan to be protected by travel and health insurance for the duration.

Travel insurance protects against loss, delays, and other unavoidable situations that can occur when you’re dealing with things like car rentals, airlines, and more. Travel or international health insurance can reimburse you for unexpected medical expenses that may come up during your trip.

Even though the premiums are minimal, the reassurance they offer is priceless. Start exploring your travel insurance and health insurance options by getting a free quote from Cigna !

Depending on where you’re studying, some provinces (like British Columbia and Alberta) will cover international students under their provincial healthcare plans. Generally, you must intend to be in the province for at least six months and must apply for coverage as soon as you arrive.

However, most of the time applications for provincial health insurance take weeks to process, at which time you are not covered. It’s always recommended that students purchase private health insurance that can cover them in the interim. Oftentimes, your college or university will offer some type of insurance plan for international students, so it’s best to check with your school first!

IEC Working Holiday Participants

Going on an International Experience Canada (IEC) Working Holiday is a great opportunity for young British citizens aged 18 to 30 to explore Canada while gaining valuable employment experience. Thousands of Brits travel to Canada each year through this popular program.

These short-term Working Holiday visas are easy to apply for, but require any participants coming into Canada to have travel insurance that covers them for their entire stay. This insurance must cover medical care, hospitalization, and repatriation.

Moving2Canada’s partner BestQuote helps to compare different IEC travel insurance options available on the market so you can make the best decision for your needs. Check out BestQuote’s travel insurance comparison tool here .

Temporary Workers

If you’re entering Canada on a work permit , you may be eligible for provincial health care depending on the length of your contract. In most provinces, workers present in Canada for 6 months or more are eligible — but the exact requirements vary by province.

However, depending on your province of residence, there may be a wait time of 3 months where you will be without health insurance. During this time, it’s wise to have a private alternative that can cover you until you receive your health card. We recommend getting started with a free quote from Cigna to explore their Canadian travel insurance options.

Permanent Residents

In every province, legal permanent residents of Canada are eligible to receive health coverage under their new province’s healthcare system. However, it can still take anywhere from a week up to a few months to collect all the documentation you need to fill out your application.

Before you arrive in Canada, we always recommend that newcomers to Canada from the United Kingdom purchase private health insurance that can cover them while they’re settling in and completing their provincial healthcare application. You can start exploring your insurance options by getting a free quote from Cigna .

Finding the Best Travel Insurance in Canada as a British Traveller

Whether you arrive in Canada as a visitor, student, or temporary or permanent resident, there are lots of things to see and do during your trip. Worrying about trip cancellations, illness, or injuries shouldn’t be on your list.

To protect yourself, we always recommend purchasing both health and travel insurance that’s valid for the entire length of your trip.

Looking for an easy, responsive, and convenient insurance provider? Check out Cigna, a trusted partner of Moving2Canada, who provides simple, fast estimates in just a few moments. Get started with a free quote today !

Enjoy exceptional health coverage

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