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What’s the climate in Canada like?

Canada is a vast country which rightly has a reputation for cold and snowy weather. Its northern latitude positioning and the presence of the massive Canadian Rocky Mountains mean that much of the country is frigid for many months of the year. In fact, the majority of Canada’s 35 million residents live in large cities in the southern reaches of the country — Vancouver, Calgary, Toronto, Ottawa, and Montreal — and not in the cold, arctic and subarctic regions.

But there’s more to the climate of the “Great White North” than just snow, ice, and freezing temperatures. Here’s what you need to know about the climate in Canada before you plan a trip to visit our northern neighbors.

When is the best time to visit Canada?

Overall, the best time to visit Canada is between June and October. During the late spring through early fall, you’ll enjoy warmer average temperatures, longer days, and plenty of natural beauty. In the southern half of the country, the snow has melted by this time, and there are numerous outdoor activities to enjoy.

The majority of Canada’s tourists arrive in the summer months, eager to explore outdoor destinations, experience the culture of the large cities, and marvel at the far northern towns where the sun barely sets during the early summer. This also means that prices are higher and attractions are more crowded during these popular months.

First-time visitors may be surprised to discover that some parts of Canada have quite warm summers. The average summer high temperature varies by region, but most major cities reach a daily high of between 75 and 80 degrees Fahrenheit — perfectly comfortable temperatures for you to enjoy all your exploring. Interior locations in British Columbia can reach highs of between 80 and 95 degrees Fahrenheit in the summer months, while eastern Canadian cities like Montreal, Ottawa, and Toronto log high humidity.

If your travel timing is strict and you find yourself in Canada in the late fall, winter, or early spring, coastal British Columbia is a great place to visit. With weather similar to Seattle, Vancouver and the surrounding areas have mild and often rainy winters, with average high temperatures staying between 45 and 65 degrees Fahrenheit — vastly different from the frigid winter in other parts of Canada. In fact, Vancouver is the only major Canadian city where average winter temperatures stay above freezing.

When is the best time of year to go hiking in Canada?

Canada is known for its natural beauty, and exploring on foot is the way to go. While there are plenty of wonderful areas for hiking throughout the country, Banff and the Canadian Rocky Mountains are the biggest draws.

Due to the high elevation in hiking hot spots like Banff, Jasper, and Lake Louise, July and August are the best times for hiking. You have the best chance of enjoying warm, sunny weather and the melting snow should all be just about dried up. During these two months, you’re also the most likely to witness the wildflowers in bloom. And, you may even come across some of Canada’s most storied wildlife, such as bears, moose, bison, and mountain goats.

When is the best season for visiting Canada’s national parks?

Canada is home to an incredible 48 national parks in areas stretching from the coastal regions up to the prairie provinces in the far north. The best time of year to visit them depends on which activities you’re interested in taking part in. For watersports on Lake Huron in the Bruce Peninsula, beachcombing and tidepooling in Fundy, or surfing the Pacific Rim, summer is best.

Fall can be wonderful too, as Mother Nature puts on quite a show when the fall colors arrive. Popular destinations include the Cape Breton Highlands in Nova Scotia and Jasper National Park in Alberta.

When is the best time for skiing in Canada?

Thanks to its cold temperatures, high mountains, and northern latitudes, Canada is a world-class winter sports destination. Every year, skiers and snowboarders from around the world flock to the peaks of the Rocky Mountains, located in the provinces of British Columbia and Alberta, to enjoy epic powder, incredible views, bluebird days, and a decadently long winter sports season which can stretch from November to April.

What are the weather hazards I should be aware of in Canada?

As a geographically large country, the weather hazards you may face in Canada vary greatly from region to region. Of course, harsh winters bring a set of risks for winter travelers, from blizzards and freezing rain to avalanches. As winter turns to spring, floods are possible, due to warming temperatures and melting snow.

A different set of weather hazards arise in the warm season, with inland areas being particularly susceptible to lightning storms and even tornadoes. Wildfires are also unfortunately common in forested areas, especially during unusually dry or hot summers.

It’s also important to know that, year-round, the risk of earthquakes exists. The areas of the St. Lawrence and Ottawa River Valleys are somewhat susceptible, as are parts of the three northern territories. However, the most serious earthquake risk exists in coastal British Columbia, as it lies along the Pacific Ring of Fire — a path along the Pacific Ocean which is characterized by earthquakes and active volcanoes.

Don’t forget to pack your travel insurance

No matter when you’re visiting Canada and what kind of activities you’re pursuing, one thing is sure: travel and weather can be unpredictable. Protect your investment and your well-being with a comprehensive travel insurance policy.

A travel insurance plan like the ones offered through battleface can protect you in case of baggage loss and delay, trip cancellations, and trip delay, with travel medical insurance providing coverage for any medical expenses resulting from any accidents or incidents that might occur during your trip.

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PRE-EXISTING MEDICAL CONDITION

Pre-Existing Medical Condition means an illness, disease, or other condition during the 180 day period immediately prior to the date Your coverage is effective :
  1. received or received a recommendation for a test, examination, or medical treatment for a condition which first manifested itself, worsened or became acute, or had symptoms which would have prompted a reasonable person to seek diagnosis, care or treatment; or
  2. took or received a prescription for drugs or medicine. Item (2) of this definition does not apply to a condition which is treated or controlled solely through the taking of prescription drugs or medicine and remains treated or controlled without any adjustment or change in the required prescription throughout the 180 day period before coverage is effective under this policy.
  3. required a change in prescribed medication. Change in prescribed medication means the dosage or frequency of a medication has been reduced, increased, stopped and/or new medications have been prescribed due to the worsening of an underlying condition that is being treated with the medication, unless the change is:
    1. between a brand name and a generic medication with comparable dosage; or
    2. an adjustment to insulin or anti-coagulant dosage.
If you, or someone you are traveling with, has a Pre-Existing Medical Condition, you can still buy a policy from us but there is no cover for any claim arising directly or indirectly from that condition.

PRE-EXISTING MEDICAL CONDITION

Any Medical Condition that, within the last 12 months, required any:

  • surgery, inpatient or outpatient treatment, referrals or investigations of any sort. This includes being on any waiting list, taking any prescription medication, tablets or required medical treatment (This will not apply to common colds, flu or contraceptive medication);
  • medical advice or treatment for any respiratory condition relating to the lungs or breathing;
  • medical advice or treatment for any heart, stroke or diabetic condition;

Hypertension or high cholesterol controlled by 1 prescription drug only and where the dosage has not been changed within the last 12 months will not be considered a pre-existing medical condition

Coverages Available:

*not all coverages are available in all states
Travel Protection Benefits Limits
Trip Cancellation 100% of trip cost (up to a maximum of $20,000)
Single Occupancy Up to trip cost
Cancel for Any Reason Up to 75% of trip cost Up to 50% of trip costs in FL(CFAR not available to NY residents)
Trip Interruption 150% of trip cost
Delay Package
Trip Delay
Maximum $200 per day up to $2,500
Missed Connection Maximum of $1,000 per covered trip
Baggage Package – Excess
Baggage and Personal Effects $2,500 $100 Deductible
Baggage Delay $100 per day up to a maximum of $500
Travel Medical Package – Excess AK, CO, ID, ND, NH – Primary
Travel Medical Expense – Adventure sports included $100,000 $50,000 in NH $50 Deductible
Emergency Dental $750
Emergency Evacuation and Repatriation of Remains Up to $500,000
Up to $1,000,000 in NH
Accidental Death & Dismemberment $100,000 or $250,000 or $500,000
Pet Medical Package
Pet Medical Expense Up to $2,000 $100 Deductible
Pet Return Up to $500
Rental Vehicle Damage – Primary Up to $35,000 per rented vehicle- Primary $250 Deductible for loss greater than $2,000
Vacation Rental Damage $1,500 or $3,000 or $5,000

Travel Medical Insurance

Some benefits are subject to an excess (aka, the deductible, or what you have to pay before we pay), as stated in the Policy Schedule, and are per Policy Period.

Benefits Limits
Cancellation and Curtailment 5,000
Emergency Medical Expenses, Evacuation and Repatriation of Mortal Remains 10,000,000 (excess 250 or 50)
Hospital Benefit 25 per day, maximum 100
Personal Accident up to 250,000
Baggage Loss or Delay up to 5,000 (excess 250 or 50)
Personal Money and Passport, limited to 250 in respect of cash 500 (excess 250 or 50)
Personal Liability 500,000
Travel Delay 500
Optional Benefits Limits
Business Extension up to 1,000 (excess 100)
Winter Sports (Ski Equipment) up to 750 (excess 50 or 100)

Travel Medical Insurance

Some benefits are subject to an excess (aka, the deductible, or what you have to pay before we pay), as stated in the Policy Schedule, and are per Policy Period.

Benefits Limits
Trip Interruption 2,000
Emergency Medical Expenses, Evacuation and Repatriation of Mortal Remains 10,000,000 (excess 250)
Hospital Benefit 25 per day, maximum 100
Personal Accident up to 5,000
Baggage Loss or Delay up to 2,000 (excess 250 or 50)
Personal Money and Passport, limited to 250 in respect of cash 500 (excess 250) *** Limited to 250 in respect of cash
Personal Liability 500,000
Optional Benefits Limits
Business Extension up to 1,000 (excess 100)
Winter Sports (Ski Equipment) up to 750 (excess 50 or 100)
Personal Accident up to 250,000
Baggage up to 10,000

Travel Medical Insurance

Some benefits are subject to an excess (aka, the deductible, or what you have to pay before we pay), as stated in the Policy Schedule, and are per Policy Period.

Benefits Limits
Cancellation up to $20,000
Trip Interruption $1,000
Medical and Emergency Expenses $5,000,000 (deductible $250)
Hospital Benefit $25 per day, maximum $100
Personal Accident up to $50,000
Baggage $2,000 (deductible $250)
Personal Money and Passport, limited to $250 in respect of cash $500 (deductible $250)
Personal Liability $500,000
Optional Benefits Limits
Business Extension up to $1,000 (deductible $100)
Winter Sports (Ski Equipment) up to $750 (deductible $50 or $100)

Travel Medical Insurance

Some benefits are subject to an excess (aka, the deductible, or what you have to pay before we pay), as stated in the Policy Schedule, and are per Policy Period.

Benefits Limits
Cancellation and Curtailment 5,000
Emergency Medical Expenses, Evacuation and Repatriation of Mortal Remains 10,000,000 (excess 250 or 50)
Hospital Benefit 25 per day, maximum 100
Personal Accident up to 250,000
Baggage Loss or Delay up to 5,000 (excess 250 or 50)
Personal Money and Passport, limited to 250 in respect of cash 500 (excess 250 or 50)
Personal Liability 500,000
Travel Delay 500
Optional Benefits Limits
Business Extension up to 1,000 (excess 100)
Winter Sports (Ski Equipment) up to 750 (excess 50 or 100)