Travel Insurance
OHIP covers almost nothing outside Ontario, a single US hospital visit can cost more than your car. Travel insurance is the cheapest peace of mind you'll ever buy.
What's Covered
Emergency Medical
$1M–$10M emergency medical coverage for trips outside Ontario, the core of every travel policy.
Trip Cancellation & Interruption
Reimbursement when illness, weather or emergencies cancel or cut short your trip.
Visitors to Canada
Emergency medical plans for parents, relatives and friends visiting from abroad, including Super Visa requirements.
Baggage & Delay
Lost baggage and travel delay benefits that smooth out the rough trips.
Snowbird Annual Plans
Multi-trip annual plans for Ontario snowbirds spending winters in the US.
Pre-existing Conditions
Stability-period requirements explained honestly so a claim never surprises you.
What Ontario Drivers & Owners Should Know
OHIP pays only a small fraction of out-of-province emergency costs, the rest is on you without travel insurance. Super Visa applicants must show at least $100,000 in emergency medical coverage from a Canadian insurer. And if you have a pre-existing condition, the 'stability period' clause is the single most important thing to get right before you buy.
Who this is for
- Ontario families travelling to the US or abroad
- Snowbirds wintering in Florida, Arizona or Mexico
- Parents/grandparents visiting on Super Visa
- Business travellers wanting annual multi-trip cover
Travel Insurance: Common Questions
Only minimally, OHIP pays a small fixed amount toward out-of-province emergency care, leaving potentially huge bills. Travel medical insurance covers the gap.
Most policies require your condition to be 'stable' (no new symptoms, medication changes or pending tests) for a set period before departure, often 90–180 days. Sunny makes sure you buy a plan whose wording you can actually meet.
At least $100,000 in emergency medical insurance from a Canadian company, valid for one year. Sunny arranges compliant Super Visa plans regularly.
If you've prepaid thousands in flights, cruises or tours, yes. One cancelled trip can cost more than years of premiums.
Ready to get covered right?
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