India, June 12 -- Planning a trip to Canada often starts with visa checklists, hotel bookings, and packing lists. Travel insurance rarely makes it to the top of that list until something goes wrong. Medical care in Canada is not subsidised for foreign visitors, and costs can rise quickly even for a short hospital visit. Before you finalise your itinerary, understanding what travel insurance covers, and how to choose the right policy can save you from unexpected expenses abroad.

Travel insurance for Canada is not a single fixed product. Cover varies by insurer and policy type, but most plans for Canadian travel include a combination of the following:

Canada does not make travel insurance mandatory for Indian visitors on a tourist visa, b...