If you're planning to spend time on the other side of the Atlantic visiting family and friends or taking part in one of the many winter sports on offer you need to make sure your Canada travel insurance gives you the cover you need.
The best advice when you're looking to arrange travel insurance Canada cover is to avoid booking a policy through a travel agent.
These packages are often not cost effective because they can skimp on benefits while the price is often a lot higher than you need to be paying.
Instead, take a look at the policies offered by your travel agent and use the features and cost as a starting point for comparison.
Before picking a policy from the range offered by Canada travel insurance companies, sit down and list what you are likely to do on your trip.
For instance, the country has a vibrant winter sports scene, so ski insurance Canada is needed if you're planning on going on piste.
Skipping over the border in to the US for a day trip or two means checking your policy for multiple country cover.
If you’re on a gap year or backpacking, you may need to consider working holiday insurance Canada cover.
Extend stays can present special problems if you need cheap travel insurance to Canada.
Many holiday insurance policies only cover limited stays - 21 to 45 days is the norm - so wouldn't be suitable if your trip to Canada is going to last three months or more.
For these trips, a long stay travel insurance policy that lasts up to a year is much better value providing it gives you all the benefits of the standard travel insurance policies you've been looking at.
All these extras can push up the price of Canada holiday insurance, but by gathering a number of quotes you should be able to drive down the cost of cover.
Once you have figured out the cover you need, start a shortlist of policies that meet your requirements.
Don’t forget to take into account standard travel insurance options like medical cover, compensation for lost baggage and cancelled flights when you're making your travel insurance comparison as these are equally important.
Once you have a list of suitable policies, score each against your list to find the ones that closely match your criteria - then start comparing the prices.
The result is you should end up with a value for money policy that offers the cover you need.
