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Mackay Insurance Blog


June 2022

The Right Insurance Coverage For The Perfect Cross Canada Road Trip

Discover the insurance coverage you need for out-of-province travel with Mackay Insurance.

The Right Insurance Coverage For The Perfect Cross Canada Road Trip

You’ve got it all packed! The suitcases, the kids’ snacks, the dog… but do you have the right insurance coverage for a cross Canada road trip?

With summer just around the corner, everyone is busy planning their family getaways, camping trips and vacations. They’re packing up their travel trailers, booking their plane tickets and drawing wobbly marker lines on big paper maps - searching for their next adventure! 

And while some adventures take you OUT of the country, and some take you deeper INTO the country, others take you elsewhere…

ACROSS the country!

Are you planning a Canadian expedition with your family this summer? Whether you're headed East or West, road-tripping across Canada is an experience you’ll never forget!

But do you have the right insurance coverage for out-of-province travel? 

Keep reading to find out! 


What Insurance Coverage Do You Need To Travel Out-of-Province?

While exploring Ontario can be an incredible experience, why not venture out a little? See what the rest of Canada has to offer! After all, the coastal shores of Prince Edward Island and the snow-topped mountains of British Columbia are waiting!

At Mackay Insurance, we understand that familiar call of the wild. We're excited to help you and your family venture out into the great outdoors and explore all that this beautiful country has to offer.

So, before you pack your bags and start trekking, let’s go over the insurance coverages you need when travelling out of the province. 

Auto Insurance 

In Ontario, every registered vehicle is required by law to have Auto Insurance coverage. In fact, if a driver does not have Auto Insurance, they can receive a fine of at least $5,000! 

In the event of an accident, what does Ontario Auto Insurance coverage protect?

  • The driver of the vehicle 
  • All passengers involved in the accident. 
  • All pedestrians involved in the accident.
  • Any damaged property caused by the accident.
  • Any vehicle damage caused by the accident. 

This insurance coverage will provide liability coverage for accidents where you are at fault or partially at fault. And it will also provide you with Accidents Benefits, which are available regardless of whether you are at fault.

No-Fault Benefits For Ontario Drivers:

  • Caregiver Services 
  • Income Replacement 
  • Rehabilitation 
  • Medical Expenses 
  • Attendant Care 
  • Death and Funeral Costs 

So what happens when you travel outside of Ontario? Do you need to buy temporary Auto Insurance for an out of province trip? 

Thankfully, you do not!

One of the most convenient aspects of your auto insurance policy is that it goes where you go (to an extent). 

Are you travelling out West - Saskatchewan, Alberta, British Columbia or Manitoba? East to Quebec, P.E.I., Nova Scotia, Newfoundland and Labrador or New Brunswick? Your Ontario Auto Insurance Policy will travel with you, no matter where you venture. But it does have its limits! 

Your Ontario auto insurance policy is valid in all Canadian provinces and throughout the United States. But it is not international. If, for example, you wanted to drive to Mexico, your Ontario auto insurance would no longer be valid there. 

Get a Free Quote On Auto Insurance

CAA Insurance

Imagine this: 

You’re taking a road trip out to Alberta from Ontario. It’s a beautiful day, your car is full of gas and everyone is settling in for the long haul. 

But then your engine unexpectedly cuts out. 

What happens now? Are you stranded?

Not as long as you have CAA Insurance! 

Your CAA membership ensures you have the roadside help you need no matter where you are in Canada. It's even valid in the US! 

Plus, when you buy CAA Insurance through Mackay and combine your CAA account with your Mackay Home and Auto Insurance, you could qualify for multi-discount savings!

So while CAA Insurance is not mandatory - we would highly recommend looking into it before you begin travelling this summer. 

Register For CAA Insurance

Trailer Insurance

Nobody wants their vacation interrupted by loss, theft or vandalism. And the last thing you want to worry about while travelling in another province is whether your trailer has the right insurance coverage.

That’s why your Mackay Insurance broker always recommends adding Travel Trailer Insurance to your existing Auto Insurance policy. This additional coverage protects: 

  • The travel trailer itself from theft, damage, collision, loss etc. 
  • The contents of your trailer. (Limited on policy but extend from Home Policy)
  • Loss of use of your trailer in the event of theft, damage or destruction. 

While Travel Trailer Insurance is not legally required, it does give you immense peace of mind and protection. Especially when you’re in unfamiliar territory! 

Learn more about Travel Trailer Insurance and how it protects your home away from home in our recent blog post! 

Get a Free Quote on Trailer Insurance

Travel Insurance 

Now that you have insured your vehicle and trailer and have roadside assistance at the ready, it’s time to sort out your Travel Insurance. 

Travel Insurance offers specific health insurance coverages that could become detrimental during an out-of-province trip.

If you get sick or injured while out of Ontario, your Travel Insurance provides coverage for:

  • Emergency Medical Transportation 
  • Diagnostic Tests 
  • Prescription Medications
  • Emergency Oral Health Care 
  • And More!

Interested? Call 1-800-491-0851 and type in agent 7062. 


Mackay Insurance Makes Sure You Have The Right Coverage For Your Next Trip!

Planning an out-of-province trip, whether by yourself, with friends or family, is an incredible experience. And whether you choose to travel East or West, you’re guaranteed to have an adventure you’ll never forget!

Get the right insurance coverage for your cross-Canada trip with Mackay Insurance! Our job is to make sure the memories you make on this trip are good ones - not stressful ones. 

To learn more about the above insurance coverages, give us a call! You can reach our Belleville office at 613-966-5740 and our Napanee office at 613-354-2555.

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