Travelling in Canada? Your GHIP Doesn’t Always Go With You ...
- Dan Donnelly
- Jul 7
- 5 min read
Why You Still Need Travel Insurance When Travelling Within Canada
When most Canadians think of travel insurance, they imagine tropical getaways, overseas adventures, and far-off destinations. But did you know that travel insurance is just as important when you're exploring your own backyard?
Yep, even when travelling within Canada, supplemental travel medical insurance matters.
Here's Why In-Canada Travel Insurance Is a Must!
As a Canadian, or resident of Canada, you're covered by your province or territory’s Government Health Insurance Plan (GHIP). That’s great, but unfortunately, your GHIP coverage doesn’t travel across Canada as easily as you do.
What many travellers don’t realize, typically until it’s too late, is that each province/territory has its own rules and rates when it comes to medical care and associated expenses.
So, if you’re travelling outside your home province/territory without travel insurance, these differences could leave you stuck with out-of-pocket expenses for things like ambulance rides, diagnostic tests, hospital stays, prescription drugs, etc.
That said, while your GHIP may create a solid foundation, bear in mind that when you're away from home it may not fully cover all expenses related to a medical emergency.
✨ That’s where TIO’s In-Canada Travel Medical Insurance steps in ✨
Explore Canada Safely, From Coast to Coast to Coast with TIO
Whether you’re kayaking along the west coast, road tripping to the Maritimes on the east, or dogsledding across the territories in the north, TIO has you covered with reliable, affordable protection for interprovincial and interterritorial travel.
With TIO’s In-Canada travel insurance, you’ll enjoy:
💰 Up to $10 million in emergency medical coverage per person
✅ Deluxe benefits designed for In-Canada travel
💸 Some of the lowest rates on the market
Peace of Mind is Priceless
When you buy travel insurance, you’re not just buying a policy. You’re buying the ability to travel safely, to relax, explore, and enjoy your trip without worry. You’re buying peace of mind and the memories, experiences, and adventures that come with it. Don’t worry about your coverage unless it has an ‘SPF’ number. Let us keep you and your loved ones protected.
🍁 Proudly Canadian
When you choose TIO, you can feel comfortable that you're choosing a company that gets it, because we’re Canadian too, from "Eh" to Zed. We've proudly served travelling Canadians and Visitors to Canada since 1991. Founded, owned, and operating right here in our proud nation.
So, go ahead and book that Rockies ski trip, explore the Prairies in full bloom, visit the Great Lakes (or HOMES as we all remember them), discover our nation’s capital, plan your East Coast escape, or head north for a snowy expedition. Travel confidently across Canada knowing TIO has you covered with comprehensive travel insurance.
Check Out These Amazing Destinations All Across Canada!
From British Columbia’s lush forests to Nunavut’s vast tundra, we’ve got your In-Canada adventure covered. Whether you're chasing waterfalls, cozying up in a mountain lodge, or strolling historic harbour-fronts, TIO is here to make sure your journey is safe, protected, and full of unforgettable moments.
Let’s keep exploring—coast to coast to coast—with confidence, coverage, and that classic Canadian spirit, eh?! 🍁
British Columbia
Step into the sky at BC’s iconic Capilano Suspension Bridge Park. With 300ft suspension bridges, treetop adventures, and a rich celebration of Indigenous culture, this destination isn’t for the faint of heart—but it is unforgettable. Ready to discover the magic? While you chase thrills, let us handle the what-ifs.
Alberta
Carved by nature, made for adventure Maligne Canyon in Jasper National Park is a year-round wonder. From summer hikes above deep, rushing waters to winter walks among frozen waterfalls and ice caves, this breathtaking canyon is a must-see. Add in Spirit Island, Athabasca Falls, and Mount Edith Cavell, and you’ve got an unforgettable Canadian escape waiting to be explored.
Saskatchewan
Step into the wild heart of the Canadian Prairies at Grasslands National Park. From dinosaur fossils and tipi rings to prairie dogs and Burrowing Owls, this living museum offers a rare glimpse into untouched natural beauty and rich history. Stargaze under one of Canada’s darkest skies, hike through rolling hills, and reconnect with nature like never before.
Manitoba
Polar bears, belugas, and northern lights—oh my! Welcome to Churchill, Manitoba, where the wild things are. From kayaking with beluga whales in summer to spotting polar bears and auroras in winter, this Arctic gem is bursting with once-in-a-lifetime experiences. Nature lovers, this one's for you.
Ontario
Towering pines, glassy lakes, and the call of the loon, welcome to Algonquin Provincial Park. Whether you’re paddling remote backcountry routes or exploring trails just off Highway 60, Algonquin is Ontario’s crown jewel for four-season wilderness adventure, wildlife encounters, and peaceful escapes.
Québec
Towering valleys, winding rivers, and year-round adventure Jacques-Cartier National Park is Québec’s outdoor paradise. Whether you're paddling beneath glacial cliffs in summer or snowshoeing through a winter wonderland, this breathtaking park invites you to reconnect with nature in unforgettable ways.
Newfoundland & Labrador
Where history meets horizon, Signal Hill is more than just a view. Climb to the top for sweeping vistas of St. John’s, walk in the footsteps of soldiers and scientists, and stand where the first transatlantic wireless message made history. This landmark blends breathtaking beauty with powerful stories.
New Brunswick
Walk the ocean floor, paddle with the tides, and witness nature’s incredible artistry at Hopewell Rocks. Home to the world’s highest tides, this New Brunswick gem transforms by the hour. From sea-carved “flowerpots” to panoramic coastal trails, every visit is a front-row seat to Earth’s raw beauty.
Nova Scotia
Where mountains meet the sea Cape Breton Highlands National Park is nature’s masterpiece. Explore rugged cliffs, lush forests, and panoramic coastal trails alive with moose, eagles, and wildflowers. With adventures for every season and every skill level, it’s a breathtaking escape you won’t forget.
Prince Edward Island
Discover the serene shores of Prince Edward Island National Park a coastal paradise for all ages. Cycle scenic trails, picnic by historic lighthouses, hike diverse landscapes, and unwind on sandy beaches. It’s the perfect place to relax, explore, and make memories that last a lifetime.
Yukon
Adventure, wilderness, and the magic of the Northern Lights, welcome to the Yukon! From glacier peaks and wildlife encounters to soaking in hot springs under the aurora, the Yukon offers unforgettable experiences for every adventurer and nature lover.
Northwest Territories
Wild, vast, and unforgettable the Northwest Territories is Canada’s ultimate adventure playground. From dancing northern lights and towering waterfalls to remote trails and rare wildlife, this rugged land invites you to explore where nature truly reigns.
Nunavut
Vast, remote, and awe-inspiring, Nunavut is where Arctic beauty meets ancient culture. From kayaking past icebergs and hiking glacier-carved fjords to dog sledding under the midnight sun, this northern frontier offers raw adventure and deep cultural connection you won’t find anywhere else.
