overseas adventure travel number

The Scoop: What to Know About Overseas Adventure Tours (OAT)

This small-group specialist runs tours to all continents..

The Scoop: What to Know About Trafalgar Tours

• Looking at an Overseas Adventure Travel (OAT) tour, but want to know more about this small-group tour company?
• Here’s everything you need to know about the tour company, all updated for 2024.

Overseas Adventure Travel —more commonly referred to as OAT (saying the letters as opposed to naming the grain)—is a small-group tour specialist with tours on all continents. As its name suggests, tours with Overseas Adventure Travel tend to be fairly active, so participants should be comfortable with six to eight hours of activity each day, including walking distances ranging from three to six miles.

OAT has a great reputation for its solo guest focus (more on that below), and offers a generous number of no-additional-cost single spots on its tours. It also has women-exclusive departures on many itineraries.

BEST OF THE BEST: Best Tour Companies for Guided Tours

On OAT tours, accommodations tend to be less about amenities and more about authenticity. Another thing to note is that airfare is often bundled into the up-front price of the tour (unless you specify that you want to book your own travel). OAT is one of the family of Grand Circle Corp. companies, also including Grand Circle Travel and Grand Circle Cruise Line.

TourScoop Takeaways

• Countries: OAT has tours on every continent 
• Tour Size Average: OAT specializes in small-group trips of no more than 16 people. Its small-ship tours are aboard 50- to 98-passenger ships max out at 25 travelers. 
• Tour Type: Coach, van, small ship, rail, and air

Credibility Check

Overseas Adventure Travel is BBB accredited with a rating of A+. It’s an active member of the United States Tour Operators Association (USTOA). The OAT website posts verified guest reviews on each tour page (sometimes with hundreds of reviews) so it’s easy to see what past travelers think of each tour. 

Tour Destinations

For 2024, OAT has 80 itineraries that include tours on every continent. Some of the most popular tours are to destinations in Italy, Egypt, and multi-country tours in Africa and around the Adriatic. 

Overseas Adventure Travel gives all its tours an Activity Level Rating that ranks tours from one (easy) to five (strenuous) to help travelers find the right fit. It has both women-only departures and many no-additional-cost single traveler spots on tours. 

There are multi-country and single country tours. On many tours, OAT creates spaces for discussion and learning with its Controversial Topics program that covers topics such as Scottish independence on its Scotland Revealed itinerary and female genital mutilation on its Safari Serengeti: Tanzania Lodge & Tented Safari tour. 

Tour Guides

OAT’s tour guides are called Trip Experience Leaders. All are fluent in English and have a range of skills, certifications, and experience specific to the tour destination and experience. Trip Experience Leaders focus on both the logistical and the experiential, and help connect travelers with destinations by sharing firsthand insight that brings a destination to life. 

Inclusions/Extras

Inclusions are tour-specific (there’s a “What’s Included” section on each tour’s page), but generally include round-trip flights, many (but not all) meals, transportation, accommodations, activities, and gratuities for local guides, porters, etc. As with most tour companies, gratuities for trip experience leaders is separate. 

Typical Travelers

OAT’s guests are mostly American travelers aged 50 and older. In the last few years, Overseas Adventure Travel has seen a major jump in the number of solo travelers—more than half of all OAT guests are now solo travelers, and 80% of these solo travelers are women.

WALK THE WORLD: Best Walking, and Trekking, and Hiking Tours

OAT does right by its strong solo traveler base —in 2024, the company is offering 25,620 single spaces—91% of which are free (the remaining 9% of single spots have what OAT says is the lowest single supplement in the industry). And a number of itineraries also have women-exclusive departures. 

Communication

After booking, travelers have access to all trip details through the “My Planner” section on the website. The section includes details like flight information, destination weather, and itinerary information.

Then, two weeks before departure, travelers receive all their final documents, and are also contacted by their Trip Experience Leader. Any additional questions can be directed to OAT’s customer service email or phone number.

Loyalty Program

OAT’s loyalty program is the Sir Edmund Hillary Club . Membership benefits kick in when travelers reserve their third trip, and increase after traveling with OAT five and ten times. Benefits include credits to use on future trips, travel credits, exclusive gifts, and priority luggage service. 

Private Options

OAT offers Personalized Private Adventures for groups of five to 10 people. These private departures are available using existing itineraries, and include a dedicated Trip Experience Leader. The private group premium amount depends on the number of travelers in a group. Some of the most popular private tours include Ultimate Africa , Sicily’s Ancient Landscapes , and Japan’s Cultural Treasures . 

Sustainability Efforts

OAT is part of Grand Circle, and participates in the Grand Circle Foundation , which supports projects around the world focused on water and sanitation, education, community development, renewable energy, the protection of indigenous cultures, conservation, historic preservation, and disaster relief.

CULINARY ADVENTURES: Best Tour Companies for Culinary Tours

Health and Safety Practices

On OAT tours that include time onboard a ship, additional precautions include crew trained on best health and hygiene practices to prevent onboard spread of illnesses, nightly electrostatic disinfection of public areas, and disinfection of high-efficiency air filtration systems before each sailing. The OAT website is the place to go to read more about the current health and safety practices for land and ship tours.  

Family Companies

The Grand Circle family of companies includes Overseas Adventure Travel , Grand Circle Cruise Line , and Grand Circle Travel .

More from Tour Scoop:

• 9 Travel Companies That Specialize in Women-Only Tours
• Best Senior Travel Tour Companies
• Best Tour Companies for Solo Travelers

Road Scholar Debuts Special Trips for Retired Teachers

New Vacation Trend: European River Cruise Companies Are Now Targeting Family Travelers

New Year Tour Sales: They’re Big and They’re Limited Time

What’s tourscoop.

Tour Scoop’s team of travel experts brings you in-depth tour company overviews, tour itinerary reviews, the latest tour news, and travel tips and advice written just for guided tour travelers like you.

More about us

The Scoop: What to Know About Collette

For more than a century, Collette has been leading award-winning tours.

The Scoop: What to Know About G Adventures

Award-winning small-group adventure-travel tours are the G Adventures specialty.

The Scoop: What to Know About Avalon Waterways

This award-winning river cruise company focuses on experiences and food.

The Scoop: What to Know About Intrepid Travel

Local experts, a focus on sustainability, and immersive small group experiences help set Intrepid Travel apart from other tour operators.

Advertisement

Supported by

Help! One Company Refused to Refund Travelers More Than $100,000

Then our columnist intervened with the Boston-based tour operator Overseas Adventure Travel.

• Share full article

By Sarah Firshein

Dear Tripped Up,

My trip to Egypt with Overseas Adventure Travel was scheduled to depart in late March. O.A.T. canceled the tour because of Covid-19, which was a relief. The company notified me of the cancellation and offered either a credit for rebooking or a full refund that would have included airfare. The next week, I learned via email that I had been rebooked on the same trip next year. Unbeknown to me, the stated policy had changed: O.A.T. was no longer offering refunds. I told them that I had a medical condition and did not know when — or if — I would be able to travel, and asked whether they were just going to keep my $17,500 if I couldn’t travel by the end of 2021. Answer: Yes.

I feel I am being held hostage by O.A.T. How are they allowed to keep my money? Roz

They’re not. But, if the extraordinary number of reader complaints I have received — more than a dozen and counting — are any indication, they have been doing so anyway.

Overseas Adventure Travel is part of Grand Circle Corporation, a family of travel companies based in Boston. The small-group and cruising company has been recognized nationally.

But Massachusetts happens to be one of only a handful of states with specific laws that guarantee consumers protection against travel sellers , including requiring that tour operators offer the option of cash refunds (in addition to vouchers or credits for rebooking) when they fail to provide agreed-upon, paid-for services. According to the law, the cash refund must be “an amount equal to the fair market retail value of any undelivered, purchased travel service.”

Translation: When they cancel your trip, they are legally required to offer you the money back.

But even when individual consumers know their rights, they have few options at their immediate disposal when a customer-service representative — usually the only public-facing proxy for a company’s official or unofficial policies — refuses to relent on refunds.

As Adam Anolik, a San Francisco- based travel-industry lawyer, explained over email, that’s why oversight — forcing a company to comply with state laws — can feel like an uphill battle. “The outcome can often turn on who cancels, which is why a lot of suppliers and travelers are playing chicken right now. In reality, many of these statutes are seldom enforced. This pandemic could cause some of them to be dusted off,” said Mr. Anolik.

This is the third Tripped Up column in a row that addresses the issue of refunds. Although travel has stopped and is only starting up again — slowly and in only a few destinations — the aftershocks of that screeching halt, brought on by the coronavirus, continue to reverberate.

As travel companies now suffer a cash crunch, they are facing off with travelers over credits and refunds . Airlines are sidestepping refund regulations established by the United States Transportation Department and the European Union, betting that negative press (and even class-action lawsuits) are still preferable to negative-balance bank accounts.

It’s not hard to surmise, just by reading your email, what happened at O.A.T.: the realization that issuing refunds en masse would bleed the company dry. Tweaking the immortal words of Biggie: no money, mo’ problems.

To determine if my hunch was correct, I reached out to O.A.T. While they didn’t answer my question directly, I was able to recoup more than $100,000, collectively, for you and 10 other readers. Some got total refunds, while others (including you) received partial refunds or continue to wait for certain fees and sums to clear.

In an emailed statement, an O.A.T. spokeswoman said the company is “working to improve our processes and to better address the needs of each traveler whose trip was canceled or postponed due to the pandemic. We are either rebooking travelers on another trip or providing a refund.” Since mid-March, she said, O.A.T. has refunded more than 5,000 travelers — amounting to more than $12 million.

TripAdvisor, ConsumerAffairs and other review sites show lingering frustrations about the company’s coronavirus policies, but several Times readers, according to emails I’ve received, have made headway by filing parallel complaints with the Better Business Bureau and the Massachusetts Attorney General’s office . That agency said that it has received about 275 consumer complaints so far about canceled O.A.T. trips and has been pressuring the company to comply with the state’s travel-seller laws.

Other travelers looking for refunds may have a better chance if they’re dealing with companies headquartered within Hawaii, Washington state, Illinois or California. In Hawaii, consumers have the right to a cash refund (minus previously disclosed cancellation fees) within two weeks of requesting one. Washington requires travel companies to issue cash refunds within 14 days (or 30 days when the funds are already paid to a vendor, as might be the case for a tour operator) when they cancel a service. In Illinois, the Travel Promotion Consumer Protection Act was created in the 1980s to safeguard against travel scams that promise too-good-to-be-true deals. California, with some of the strongest consumer protections in the country, requires cash refunds for undelivered services within 30 days from whichever date is earliest: the scheduled departure date, the date the refund is requested or the date the service was canceled by the travel company. (Mr. Anolik has a detailed breakdown of other state-by-state travel laws on his firm’s website. )

Back to O. A. T.: In a follow-up note a few weeks ago, you said that you feel the company provides a “good travel service.” But, you wrote, “pushing all the risk of uncertainty onto the client by refusing a refund makes me fearful to ever do business with O.A.T. again.”

You raise an important point. Even though people can’t travel right now, many of us are continuing to dream about our next trip — and that means making conscious and subconscious decisions about which companies to spend money with once the pandemic has passed.

Sarah Firshein is a Brooklyn-based travel writer. If you need advice about a best-laid travel plan that went awry, send an email to [email protected] .

WE CAN DREAM ABOUT TRAVEL Follow New York Times Travel on Instagram , Twitter and Facebook . And sign up for our Travel Dispatch newsletter : Each week you’ll receive tips on traveling smarter, stories on hot destinations and access to photos from all over the world.

Overseas Adventure Travel (O.A.T. Tours)

Global operator

Service level

Travelers age

Trip prices

$2,895 — 9,190

Tour languages

Quick Links:

Trips other travelers liked

Family Fun In Cambodia

Iceland Discovery

Ice to Sun 2023: Argentina & Brazil

Northern Lights Escape

Discover Albania

4-Days Cuyabeno

Brazil (North): See & Experience it ALL in 13 Days, 1st Class Custom Tours

“Where the mountains meet the sea”- Kotor Bay, Lovcen & Skadar Lake National Park

Member savings.

Sign in  to see which companies give additional savings to Travelstride Members (it’s free)

Age Range:  Primarily 50+

Average Tour Price: $4,538

Average Tour Duration: 15 Days

Group Size:  Small groups - between 10 and 16 travelers, max of 24 on small ship cruises

Travel Style:  Culturally immersive and local experiences. Walking between 3-6 miles a day.

• Group Tours
• Small Ship & Expedition Cruises
• River Cruises
• Custom Itineraries
• North America
• Central America & Caribbean
• South America
• Rivers & Seas
• Australia & Pacific
• Middle East & North Africa

Compare with Overseas Adventure Travel (O.A.T. Tours)

View all tour company comparisons

How well do you know the world?

Overseas adventure travel (o.a.t. tours) reviews & ratings.

Policy over practical customer service. zero customer service

don't expect humanity or common sense

This letter is effectively what was communicated no less than 8 times in writing and conversation to OAT representatives up the chain, beginning 19 days before the t...

Trip of a Lifetime

Our recent Tanzanian Safari was indeed the trip of a lifetime. Saw the big 5, met the wonderful locals and spent 5 days in the Serengeti. Saw many lions, zebras, gi...

Booked for July and gave them $12,000. They talked us into early arrival and then come back to us a two months later saying we can't offer. We have to keep our airli...

My favorite OAT adventure

I went to this adventure with my sister-in-law and we had the absolute best time! Our guide were all amazing and our trip leader Martin was exceptional! My sister-i-...

We visited Panama on this trip with OAT

We visited Panama on this trip with OAT including walking through El Chorrillo neighborhood and listening to the stories of the survivors of the US invasion. We woul...

See all Overseas Adventure Travel (O.A.T. Tours) reviews

Editoral Review of Overseas Adventure Travel (O.A.T. Tours)

Founded in 1978, Overseas Adventure Travel specializes in small group and small ship adventure tours . Overseas Adventure Travel (OAT) is now part of the Boston-based Grand Circle Corporation, which also includes Grand Circle Travel and Grand Circle Cruise Line.

Quick Facts

Founded in 1978

Very welcome to solo travelers - Free or low single supplement

Average Tour Price - $4,538

Average Tour Duration - 15 Days

Small Groups - between 10 and 16 travelers, max of 24 on small ship cruises

Travel Style - Culturally immersive and local experiences. Walking between 3-6 miles a day

Age Range - Primarily 50+

What Makes Overseas Adventure Travel Stand Out?

• Solo traveler friendly
• Cultural immersion
• Grand Circle Foundation

Overseas Adventure Travel is solo traveler friendly . They offer free or low single supplements. OAT understands that solo travelers desire to follow their own schedule, desires and needs. They help handle all the details to make sure your trip is affordable, easy and enjoyable.

A major focus of OAT is cultural immersion . Travelers can expect to visit local schools, churches, and homes (where you might be treated to a home-cooked meal). Experienced guides -- all fluent in English -- lead groups off the beaten path when possible.

OAT strives to give back to the world they send travelers around.  A portion of all proceeds goes to the Grand Circle Foundation, which supports cultural and educational programs in the countries visited.

Who Will Enjoy Traveling With Overseas Adventure Travel?

• Solo travelers
• Cultural enthusiasts

 OAT specializes in small group tours around the world serving Americans aged 50 and older. They appeal to the old fashioned - the fact that they still offer a physical catalogue is testament - and their travel style reflects an appreciation of the classics coupled with an adventurous spirit to explore each destination deeper and from a local perspective. 

Overall, prices fall into the moderate range, and are especially a bargain for solo travelers , who can save substantially by not having to pay for single supplements. Accommodations are designed to be both comfortable as well as unique and in keeping with the local spirit of the destination. If your hostelling days are over but you feel too adventurous for a standard hotel, OAT will be a great company to travel with. 

OAT travelers are those with a passion for culture . They don’t just want to see a destination, they want to experience it. For these travelers, spending a day in a Maasai village in Kenya, eating dinner with a local family in Chile's oasis town and interacting with local musicians at the bustling Libertad Plaza in San Salvador, Belize is a welcomed adventure.

Top Destinations

OAT operates tours all over the world, specializing in remote, off the beaten path destinations. African safaris are an especially popular offering, though you can also travel to Japan , India , Peru , Iceland , Vietnam , Albania , or Morocco , to name just a few of its far-flung destinations. OAT also runs small-ship cruises through the Galapagos , on the Amazon , and along the Turkish coast.

OAT Travel Style

With Overseas Adventure Travel you’ll find a combination of transportation and accommodation styles, but all with an element of comfort. Groups are small, with a max of 16 (24 on small ship cruises). 

Accommodations vary, but generally favor being local and non-traditional over a basic centrally located hotel. Their exact words are “emphasis on authenticity, rather than amenities”.

Their style is all about unique and meaningful cultural interaction . While you’ll learn the history and see the famous sights, their true focus is about people and connections. This means you’ll enjoy meals with local families, like you’re just a friend over for dinner; visit schools and see the amazing work being done in small communities. The visceral understanding and perspective that comes from learning to cook traditional meals and make traditional crafts is what you’ll find on an OAT tour.

Why Choose a Tour with OAT?

OAT offers a unique up close and personal experience, guaranteeing that its groups will never exceed more than 10-16 travelers. A spirit of spontaneity is part of what makes traveling with OAT special, as they strive to take advantage of every interesting opportunity during a trip. 

Traveling with Overseas Adventure Travel allows for an in depth cultural travel experience in comfort. Many opportunities exist for travelers to find deals, and it’s a great way to meet new friends in a similar age range.

If you traveled extensively in your youth and are not ready to slow down, but perhaps are looking for a few more logistical ducks to be taken care of for you, OAT could be the perfect fit. They offer a variety of options for more independent minded travelers, as well as ample free time to explore and plan your own adventure during cruise port stops and on their group tours.

Alternatively, if this is your first travel experience, OAT will be a great starting point. You’ll gain cultural insights, meet locals, as well as hit on all the best tourist sites that provide cultural and historical context to your destination.

Overseas Adventure Travel Covid Safety Precautions

Through December 31st 2020, Overseas Adventure Travel is offering Risk Free booking. You can transfer your departure with all change fees waived.  

Some countries are beginning to reopen to international visitors with entry restrictions while others have remained closed. Stay up to date and see a full list of which countries are open  »  

Unlock Community Benefits

Travel better together.

• Save favorite trips and itineraries
• Get insider insights
• Receive personalized recommendations
• ... and much more

More Details

Solo friendly.

• No single supplement
• Solo & Singles Travel

Travelstride featured in

About the company.

Overseas Adventure Travel offers unique small group adventures worldwide to Americans over 50. By land and sea, we explore on—and off—the beaten path with a resident OAT Trip Leader, immersing ourselves in local cultures, sampling unique modes of transportation, and staying in authentic lodgings that reflect the essence of your destination. Grand Circle Small Ship Cruises serves both our GCT and OAT brands with an award-winning fleet known for exceptional value and high-quality experiences in Europe, Asia, Africa, and South America. Custom-designed according to our travelers’ specifications, our fleet includes 50+ small river and ocean-going ships that we own or privately charter.

Grand Circle Corporation is a global enterprise—comprised of a family of travel companies—committed to changing people’s lives by offering high-impact experiences to our travelers and building local communities through philanthropy, social entrepreneurship, and volunteerism.

Simply by traveling with OAT, you support the work of the nonprofit Grand Circle Foundation, which was created with the mission of changing people’s lives through travel—both those of our travelers, and of the people who welcome us so warmly into their homelands.

Journey with the Leader in Adventure Travel and Watch Your Dreams Take Flight : It is the stuff of dreams: gazelles bowing to lap at a glassy pool in the Serengeti as the vast sky turns purple with night, the tiered splendor of the Himalayas, rising behind a Tibetan monastery. Dreams like these are everyday realities for OAT travelers, thanks to the principles which ground every OAT adventure: value, choice, discovery, and carefully paced itineraries.

Our Value puts your travel dreams within reach: OAT can help you realize your travel dreams for a lot less than you thought possible. Together with our regional offices located throughout the world, we’ve been able to establish long-term relationships with many local vendors and hotels. Buying direct brings down our costs—and allows us to pass the savings on to you. And negotiating directly for hotel space also allows us to secure as many single room allotments as possible for our solo travelers. That way, we can also extend our great value to solo travelers. In fact, we offer the best value for solo travelers, guaranteed.

The Choice is yours : You’ll always have plenty of choices with OAT. We offer you a breadth of awe-inspiring travel destinations—from the peaks of the Andes to the sweeping desert sands of the Sahara to the rugged natural beauty of Iceland. You'll also enjoy more trip extension choices than ever before—like hiking to ancient monasteries in Bhutan or discovering the Moai monolithic rock statues on Easter Island. You have plenty of choices within each adventure, too, including several interesting optional tours. And the free time we’ve woven into our itineraries allows you plenty of opportunities for independent exploration. You can shop, unwind, perhaps linger at a sidewalk café, visit an interesting gallery or museum, or explore a cobbled street that caught your eye earlier in the day. You can do as much or as little as you want on an OAT adventure—the choice is yours.

OAT Difference

Adventure Travel : Adventure travel with OAT is a journey beyond the familiar, one that takes you into the very heart of a destination—to meet people where they work and live.

OAT Advantages : Journey with the leader in adventure travel and watch your dreams take flight, thanks to the principles which ground every OAT adventure: value, choice, discovery, and carefully paced itineraries.

Small Groups, Big Discoveries : When you discover the world in an OAT small group, you’ll journey off the beaten path to the places the big tour groups miss—and enjoy an intimate, discovery-filled adventure filled with personal connections, shared experiences, and treasured memories.

Trip Leaders : No matter where in the world you venture with OAT, you'll have one of our resident, expert Trip Leaders by your side. All are fluent in English and possess the skills, certification, and experience necessary to ensure an enriching adventure.

Airport Transfers : We’ve listened to your feedback, and will now offer international airport transfers to and from your hotel to our travelers who choose to purchase their own airfare on OAT adventures as part of our Personalize Your Trip program, which allows you create the OAT adventure that's right for you.

Personalize your trip : OAT travelers have long expressed the desire to decide exactly where they’re going, how they get there, and when they wish to leave. That’s why we developed a variety of choices that enhance the value of every trip we offer, allowing you to create the adventure that works best for you.

Traveling solo? Enjoy your own room or cabin—at no extra cost : You’re in control of your travel dreams—and we’re making them more affordable than ever: Maybe you prefer the freedom of solo travel—or maybe you and your usual traveling companion can’t agree on a destination. Whatever the reason, you don’t have to put your travel dreams on hold. When it’s time to go it alone, you’ll never pay a Single Supplement to have your own room or cabin with OAT.

Overseas Adventure Travel (O.A.T. Tours) Trips & Specials

Real Affordable Peru

Japan's Cultural Treasures

Mongolia & the Gobi Desert

Untamed Iceland

Heart of India

Northern Greece, Albania & Macedonia: Ancient Lands of Alexander the Great

From Siam to Saigon: Thailand & Vietnam Revealed

Southern Africa: South Africa, Zimbabwe, Namibia and Botswana

Want a tailor-made trip instead, your trip, your way, planned by an expert:.

• You choose budget, destinations, activities, transport & lodging type
• Expert designs the itinerary for you, and once approved, takes care of logistics

Top Overseas Adventure Travel (O.A.T. Tours) Trip Categories

Overseas adventure travel (o.a.t. tours) company ranking by category, similar companies.

Associations

United states tour operators association.

USTOA is a nonprofit professional association representing the tour operator industry.Its members are made up of companies who provide services worldwide but who conduct business in the U.S.

About Travelstride

Find your perfect trip, travel confidently.

Go tripping with Overseas Adventure Travel

OAT travels with friends

• Travel Insurance

The journalists on the editorial team at Forbes Advisor Australia base their research and opinions on objective, independent information-gathering.

When covering investment and personal finance stories, we aim to inform our readers rather than recommend specific financial product or asset classes. While we may highlight certain positives of a financial product or asset class, there is no guarantee that readers will benefit from the product or investment approach and may, in fact, make a loss if they acquire the product or adopt the approach.

To the extent any recommendations or statements of opinion or fact made in a story may constitute financial advice, they constitute general information and not personal financial advice in any form. As such, any recommendations or statements do not take into account the financial circumstances, investment objectives, tax implications, or any specific requirements of readers.

Readers of our stories should not act on any recommendation without first taking appropriate steps to verify the information in the stories consulting their independent financial adviser in order to ascertain whether the recommendation (if any) is appropriate, having regard to their investment objectives, financial situation and particular needs. Providing access to our stories should not be construed as investment advice or a solicitation to buy or sell any security or product, or to engage in or refrain from engaging in any transaction by Forbes Advisor Australia. In comparing various financial products and services, we are unable to compare every provider in the market so our rankings do not constitute a comprehensive review of a particular sector. While we do go to great lengths to ensure our ranking criteria matches the concerns of consumers, we cannot guarantee that every relevant feature of a financial product will be reviewed. We make every effort to provide accurate and up-to-date information. However, Forbes Advisor Australia cannot guarantee the accuracy, completeness or timeliness of this website. Forbes Advisor Australia accepts no responsibility to update any person regarding any inaccuracy, omission or change in information in our stories or any other information made available to a person, nor any obligation to furnish the person with any further information.

Travel Insurance For Canada: What You Need To Know Before You Go

Updated: Apr 30, 2024, 1:13pm

Table of Contents

Do you need travel insurance for canada, what type of travel insurance do you need, what does travel insurance for canada cover, what does travel insurance exclude, best travel insurance for canada, frequently asked questions (faqs).

From hiking trails in Ontario to traversing the slopes of the famous ski resort town of Whistler, there is no shortage of places to visit in Canada.

The vast North American country is a popular destination for travel-loving Aussies. In addition to a growing share of business travelers, more than 350,000 Australian tourists typically visit Canada each year.

While visitor numbers faded during the Covid-19 pandemic, the multitude of Australians heading to the Great White North has picked up in the last two years, particularly to experience the country’s stunning landscape.

Fast Cover Travel Insurance

On Fast Cover’s Secure Website

Medical cover

Unlimited, 24/7 Emergency Assistance

Cancellations

Unlimited, (Trip Disruption $50,000)

Key Features

25-Day Cooling Off Period, Australian Based Call Centre, 4.6 Star Product Review Rating

Cover-More Travel Insurance

On Cover-more’s secure website

Unlimited, with a $2000 limit to dental

Yes, amount chosen by customer

Southern Cross Travel Insurance

Medical Cover

Including medical treatment, doctors’ visits, prescribed medication, specialist treatment & medical transport costs

$2,500 with option to increase to unlimited

Travel insurance for Canada isn’t compulsory, but it’s highly recommended to cover for any lost or stolen baggage, the possibility of your trip getting cancelled due to an emergency, illness such as Covid-19 or bereavement, and to cover medical expenses.

The Australian Government’s Smartraveller website recommends that travellers purchase travel insurance before any overseas trip.

As in any foreign country, medical care in Canada can be expensive for visitors, with a visit to a doctor potentially setting you back by hundreds of dollars.

The Australian government won’t cover these costs, and there is no reciprocal healthcare agreement between Australia and Canada, so you aren’t covered by Australian Medicare either.

In addition, given the large geography of the country covering a variety of destinations from beaches to mountains to national parks, it is wise to hold insurance cover for a multitude of events and a variety of potential risks including natural disasters, crime or other types of emergencies.

International travel cover for Canada is generally available in the following ways:

Basic travel insurance

This type of policy is broadly focused on cover for unlimited overseas emergency medical expenses, but also includes insurance for luggage, personal liability and other essential benefits. It is usually the cheapest option available and is suitable for those traveling on a budget or for single trips.

Comprehensive travel insurance

This type of insurance typically includes higher amounts of cover for the essentials benefits such as medical expenses, luggage, personal liability, and so on. In addition, it includes cover for travel delays, rental vehicle excess, loss of passports and credit cards, hijacking, disability, accidental death, and more, depending on your policy.

Some insurers offer variations of the comprehensive policy that are suitable for multiple trips within a 12-month period.

Optional add-on policies

Given the growing number of Australians heading to Canada for cruises, road trips or to the ski slopes, some insurers have come up with add-on policies specifically tailored for a variety of adventure sports and transport options available. These include cruise packs, winter sports packs and even higher cover for rental vehicles.

Related: How Much Does Travel Insurance Cost?

Most international travel insurance policies will cover medical and hospital expenses, ambulance transportation, repatriation flights, as well as personal liability if you injure someone, or damage property while you’re in the country.

Policies will also cover, within limits, lost or delayed luggage and possessions, the costs of trip delays, interruptions or cancellations, and lost or stolen travel documents.

Comprehensive policies usually offer a broader cover to include personal accident cover in case of an injury during your trip that leads to permanent disability or death, and insurance excess payment if your rental car meets with an accident.

If you are planning to take advantage of Canada’s vast offering of adventure sports and activities, make sure these are covered by your policy—or that there is an option to add it on.

Most comprehensive policies will include popular sporting and leisure activities such as hiking, surfing, kayaking, and so on. However, more extreme activities such as skydiving, scuba diving, snow skiing or snowboarding will generally require an additional adventure sports cover at extra cost.

Most travel insurance policies to Canada will not provide cover in the following cases:

• Illegal activities: Insurers will reject any claims arising if you knowingly act illegally or dangerously.
• If you are under the influence: Insurance cover is specifically void if you cause a disturbance through drunken behaviour or under the influence of drugs.
• Unattended luggage: Insurers will ignore any claim for loss if your luggage is stolen while it was left unattended in public.
• Pre-existing medical conditions: Insurers can avoid claims for any major medical conditions, if they have not been made aware of these before taking out a policy.
• Extreme sports: International travel insurance policies generally don’t provide automatic coverage for things like extreme sports, snowboarding or surfing. An optional add-on cover is required for these activities.

Most travel insurers in Australia offer insurance policies for travel to Canada. What policy suits you best will depend on your requirements including duration, age, and the type of cover.

It will also be determined by your specific needs, such as whether you are taking part in snow sports or other adventure activities.

An easy way to compare travel insurance policies is to use an online comparison tool, or read through our leading picks of travel insurance policies for Australians . However, always consider whether or not they include the extras you will require for your trip, and any pre-existing medical conditions you would require cover for.

Featured Partners

Do I need travel insurance to travel to Canada?

Travel insurance for Canada isn’t mandatory, but is highly recommended.

The Australian Government urges travellers to purchase travel insurance before any overseas trip, especially for medical cover.

Medical costs can be extremely expensive in a foreign country, especially if you have to visit a doctor, dentist or hospital in an emergency, so travel insurance is very handy.

Does my visa card have travel insurance?

Not every credit card comes with travel insurance. Complimentary travel insurance is typically offered on premium credit or rewards cards that have higher annual fees. In addition, this may not cover all circumstances or emergencies. By comparison, a travel insurance policy will offer more comprehensive coverage that includes emergency medical expenses.

• Best Comprehensive Travel Insurance
• Best Seniors Travel Insurance
• Best Domestic Travel Insurance
• Best Cruise Travel Insurance
• Best Family Travel Insurance
• Travel Insurance Cost
• Pregnancy Travel Insurance Guide
• Travel Insurance Cancellation Cover
• Travel Insurance For Bali
• Travel Insurance For Fiji
• Travel Insurance For The USA
• Travel Insurance For Thailand
• Travel Insurance For New Zealand
• Travel Insurance For Japan
• Travel Insurance For Europe
• Travel Insurance For Singapore
• Travel Insurance For Indonesia
• Travel Insurance For Vietnam
• Travel Insurance For South Africa
• Cover-More Travel Insurance Review
• Fast Cover Travel Insurance Review
• Travel Insurance Saver Review
• Allianz Comprehensive Travel Insurance Review
• 1Cover Comprehensive Travel Insurance Review
• Australia Post Comprehensive Travel Insurance Review
• Tick Travel Insurance Review

More from  

Do frequent flyer points expire, travel insurance for south africa: everything you need to know, travel insurance for vietnam: everything you need to know, tick travel insurance top cover review: features, pros and cons, was discovery travel insurance review: features, pros and cons, fast cover comprehensive travel insurance review: pros and cons.

Prashant Mehra is a freelance journalist based in Sydney. He has more than 20 years of international experience covering financial news, including with Reuters and the Australian Associated Press (AAP). He writes about business, markets, the economy and investing.