Canada
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Life insurance when you travel to Canada is usually offered at normal terms for leisure and business trips.
When you speak to one of our advisers we will check with you:
- When you are travelling to Canada
- The reason for your trip to Canada
- How long you will be in Canada for
For short term holidays of less than 30 days to Canada you are likely to get normal terms for life insurance. For longer trips to Canada, it is possible that the insurer will want to know more details about the reason for your journey.
If you are planning to do a spot of rock climbing in The Rockies, insurers will need to know details of your you are doing. For more details please see our rock climbing page.
No matter your circumstances our adviser are here to find the right insurer for you.
Please visit our dedicated pages for offshore workers and military personnel, if you plan on going to Canada as part of your job role.
British citizens who have moved abroad can often still access life insurance and critical illness cover in the UK. There are specific rules that you must follow to be eligible for new life insurance and critical illness policies, and we are here to strip out the jargon and get you the cover that you need.
Critical illness cover pays out a cash lump sum of money, if you are diagnosed with a medical condition that is listed in the insurer’s claims set e.g. cancer, heart attack, stroke.
When you are planning on travelling to Canada, you should be able to arrange critical illness cover at standard rates.
Whether you are visiting Canada as a tourist or for business purposes, the majority of insurers will not be bothered by journeys of less than 30 days.
If you are going to Canada for more than 30 days at a time, you may find that you are asked more details about the purpose of your trip and your intended activities whilst in the country.
Offshore workers and sports enthusiasts planning on travelling to Canada, may need to place their critical illness applications with specific insurance providers who look upon the working tasks and hobbies favourably. High risk occupations and sports could lead the insurer to offer critical illness cover at non-standard terms.
Our advisers will make sure that the critical illness contract that you get suits your travel. Get in touch to find out more.
Income protection pays you a replacement of your monthly income, if you are unable to work due to ill health.
Income protection is likely to offered at normal terms for people who plan on travelling to Canada. General leisure holidays to Canada are unlikely to have an impact upon the terms of income protection on offer.
The insurer will be interested in whether the journey to Canada is part of your job role, and if so, you could be asked for more information regarding your specific work tasks in the country and how often you will be required to travel outside of the UK in any given year.
Depending upon your specific occupational duties it is possible that offshore workers may need to be selective as to the insurer that they approach for income protection. Working in a hazardous environment or performing high-risk tasks could lead to the insurer offering income protection at special terms.
Our advisers are here to research the UK insurance market to find an income protection policy that will do what you need it to do.
Are you planning a trip abroad? We work with a specialist travel insurance broker who can provide comprehensive cover for most countries. Get your no obligation travel insurance quote here.
GOV.UK Travel Advice
- Canada travel advice November 28, 2023Removal of information about an explosion on Rainbow bridge connecting Canada and the USA on 22 November.
Canada
Canada is a country in North America and has the longest coastline in the world. Canada has six time zones and has a huge range of beautiful landscapes to be explored, including over a million lakes!
- Primary Concerns: Environmental factors, terrorism
- Reason for Travel: Business, leisure
- Duration of Stay: Holiday break, sabbatical, employment contract
- Popular locations: Vancouver, Toronto, Quebec, Montreal, Niagara Fall
Fun Facts
- A bear cub called Winnipeg was transferred from Canada to London Zoo in 1915. A little boy called Christopher Robin Milne loved visiting “Winnipeg” or “Winnie” for short. This, of course, was the inspiration for the Winnie-the-Pooh books written by his father, A.A. Milne.
- Canada’s name came about through a misunderstanding. Jaques Cartier, a French explorer, arrived to the new world and met the local natives, who invited him back to their ‘kanata” (meaning ‘village’). The party then understood that the country was called “Kanata” or Canada.
- The brother of Canadian actor Leslie Nielsen (of Airplane and Naked Gun fame) was Deputy Prime Minister of Canada in the 1980s.
- With names like Scarborough, Pickering, York and Humber found in Canada, there is no surprise that we found our namesake Filey as well! And it has a beach!
Further Reading
If you are an offshore worker going to Canada for work related purposes you will need to inform the insurance provider of this. If your specific job tasks are seen as hazardous then it is possible that the insurer will offer non-standard terms for life insurance. We recommend that you read the following guides to life insurance for offshore workers:
- CuraVision – The ABCs – Offshore Worker
- Life Insurance for Offshore Workers
- Offshore Workers Life Insurance – How Much Does It Cost
- Offshore Workers Life Insurance Market Changes
- Offshore Workers Life Insurance: How Much Will It Cost?
- The Offshore Workers Guide to Life Insurance
- Offshore Workers – Infographic
Client Reviews
Cura Financial Services has been rated 5 out of 5 based on 724 reviews.
Review by Paige on 7th February 2023
“Amazing. Annaliese has been an absolute star. She’s been so patient and caring for the whole process! I’ve been so comfortable speaking with her and she’s made it really easy and simple for me to get my life insurance sorted. I could not recommend her more !!” - 5
You can read more of our reviews here.
- For more information on specific health conditions, pastimes, occupations and countries please select here:
Dr Kathryn Knowles Phd
Author
This page was written by Dr Kathryn Knowles Phd, an award-winning insurance adviser. To read more about Kathryn please see her bio here
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