Maximum Alerts / Canada
CanadaLevel 1/4
Level published by the State Department on 04.06.2026 · read 16 October 2026 · source checked daily
Canada — official level as of 16 October 2026: Level 1/4 ("Exercise Normal Precautions"), from the U.S. Department of State. Maximum Insurance covers this country: hospital settled directly, unlimited repatriation, EUR 1.5M, certificate on payment.
How we read these four advisories
Every country has its own scale, so we ask them all the same question: is the whole country advised against?
An advisory covering only areas of the country does not raise the answer: it stays “No”, and the area is shown in the relevant column.
The level shown on this page — and across this site — is the one published by the U.S. State Department, from 1 (normal precautions) to 4 (do not travel). France and the United Kingdom publish their own advisories, with their own rules: they add to that level, they do not replace it.
In a life-threatening emergency, call local emergency services first, then Maximum: +41 22 ••• •• •• — 24/7 support number, an adviser stays with you to the end.
What Maximum knows
The 207 country pages — hospitals, pharmacies, police, embassies, emergency numbers, official advice from four governments, health, safety in figures, events in progress — read around the city you name. Your policy — benefits, the six steps, claims, articles. The site — prices, certificate, subscription. Nothing else: what it does not know, it says so and hands you to an adviser.
What I say on the phone
- I am insured with Maximum, here is my policy number. Where should I go? Send me to a hospital in the Maximum network.
- Send the payment guarantee to the hospital: I do not want to pay anything up front.
- For non-urgent transport or repatriation, tell me what you authorise and arrange. In a life-threatening emergency, I call local emergency services immediately.
What to do, in this order
1Contact assistance without delay›
In immediate danger, call local emergency services first. Then contact assistance without delay; before engaging a service, seek approval under your policy. Cover is confirmed by the insurer.
2Ask where to get care›
Ask assistance where to get care and whether direct cover can be arranged. It confirms the facility and seeks the insurer's approval under your policy. In immediate danger, call local emergency services first.
3See a doctor the same day›
Even for a pain you meant to shrug off. Without a medical certificate written on the spot, the same day, the insurer cannot cover the event — a certificate written after you return does not count.
4Admitted? Have the hospital front desk call Maximum›
The hospital desk sends the request to assistance. Direct payment depends on the insurer's approval and the policy; the call alone does not guarantee it. Have the response confirmed before relying on no up-front payment.
5For non-urgent transport, seek assistance approval›
In a life-threatening emergency, call local emergency services immediately. For an arranged transfer or repatriation, contact assistance: the insurer's medical team decides on measures under the policy. A medical flight booked without approval may not be reimbursed.
6Once home, report the claim within 30 days›
Even if everything went well on the ground. Send your invoices and the medical report within 30 days; after that, compensation may be reduced or refused.
Places read from OpenStreetMap, within a circle of about 12 km: phone, email, address, website and hours when the source publishes them. No customer reviews, that source has none. Straight-line distances.
What is your current insurance?
Notices vary by bank and vintage — yours prevails. On the right: the Maximum contract (public documents).
What is happening in Canada right now
Live alerts and level changes, each with its official source. Continuously updated.
What governments have just written
La saison des feux de forêt 2026 en Amérique du Nord connaît, depuis quelques semaines, une nette accélération, notamment dans l’ouest du Canada. En Colombie-Britannique, en Saskatchewan et dans les Territoires du Nord-Ouest, plusieurs foyers non-maîtrisés sont actifs, ceux-ci peuvent aggraver les risques pour les populations locales et entraîner des évacuations préventives. Les fumées générées par les feux peuvent sévèrement affecter la qualité de l’air sur une large zone…
France Diplomatie (in French) · posted 3 June 2026 · updated 7 August 2026diplomatie.gouv.fr ↗updated 15.09.2026 · read 16.10.2026No level change recorded for this country since the log opened. The live alerts above are updated continuously.
Frequently asked questions — travel insurance Canada
What is the official risk level in Canada today?
Level 1/4 — Exercise Normal Precautions, U.S. Department of State, retrieved on 16 October 2026.
- Is the whole country advised against? United States: no · France: no · United Kingdom: no · Switzerland: no (reading of 27 September 2026).
- Contractually, only an FDFA, FOPH or WHO advisory against the trip opens Module A (art. 18.1) — that is not the case today.
- Travel with international medical cover and the 24/7 number (+41 22 ••• •• ••) saved: here the risk is not the advisory, it is the hospital bill.
- We check these sources every morning and e-mail you the day one changes (Alerts button).
Sourcestravel.state.gov · updated 04.06 · read 16.10France Diplomatie · updated 15.09 · read 16.10DFAE · updated 20.07 · read 16.10207-country comparison
Is the whole of Canada advised against, or only some areas?
An area advised against does not rule out the country.
- Official answers: United States: no · France: no · United Kingdom: no · Switzerland: no.
- Keep your country of residence's advisory on booking day and on departure day: that is what your policy's clauses cite.
SourcesFrance Diplomatie · updated 15.09 · read 16.10Foreign Office · updated 02.06 · read 16.10State Department · updated 04.06 · read 16.10
What are the entry requirements for Canada with my passport?
The rules depend on the passport, not on the destination alone.
- French passport (France Diplomatie): The passport must remain valid throughout the entire stay in Canada, though it need not have six months validity upon arrival; fraudulent websites offer AVE services at inflated fees, so apply only through official channels. Dogs over three months old must have a valid rabies vaccination certificate from a veterinarian, as France is not recognized by Canada as rabies-free; dogs three months or younger do not require rabies vaccination. Travelers may bring one cycle of treatment or a 90-day supply of prescription or over-the-counter medication in original packaging with the prescription; consult Canada's prescription drug list beforehand.
- British passport (Foreign Office): British citizens entering Canada need a passport valid for their entire stay; transit countries often require six months validity remaining. Most travellers need either a visa or an Electronic Travel Authorization (eTA), not both; check online which applies to you. British citizens arriving by land or sea do not need an eTA if they have acceptable travel documents and ID.
- American passport: the requirements are on the State Department country page (travel.state.gov).
- Swiss passport: the FDFA refers you to the destination's embassy in Switzerland.
- Pick your passport at the top of Before you go › Entry: the official text that concerns you comes first, with its “In brief” summary.
SourcesFrance Diplomatie · updated 15.09 · read 16.10Foreign Office · updated 02.06 · read 16.10State Department · updated 04.06 · read 16.10
Do I need an insurance certificate for a Canada visa?
For a Schengen visa, yes: at least €30,000 of travel medical insurance (Regulation (EC) No 810/2009, art. 15).
- Many other countries ask for it on entry or for a visa, case by case: check Before you go › Entry, with your passport.
- Subscribe: the named certificate arrives by e-mail on payment, with your name, dates and limits (EUR 1.5M medical expenses, unlimited evacuation and repatriation) — the ones consulates check.
- Attach it to the visa file; if in doubt about the format, write to us.
SourcesRegulation (EC) 810/2009, art. 15General conditions, policy 20 00 479
What does Maximum Insurance do in Canada, concretely?
VIP Pack — €990 for twelve months, unlimited trips.
- EUR 1.5M emergency medical expenses, unlimited medical evacuation and repatriation, search and rescue EUR 50,000, cancellation or change EUR 5,000.
- One 24/7 number, +41 22 ••• •• ••: Maximum sends its direct payment guarantee to the hospital (art. 2.12).
- Network of 45,000 providers (art. 6.9); evacuation is decided, organised and paid by Maximum's medical team if the local facility is not enough (art. 6.2.2).
- Named certificate by e-mail on payment, no medical questionnaire.
SourcesGeneral conditions, policy 20 00 479OpenStreetMap · read 13.10
What should I do if hospitalised in Canada?
Six steps, in this order.
- 1. Call +41 22 ••• •• •• before paying anything, or have the front desk call: it is the condition for full cover (otherwise: reduced or refused benefits).
- 2. Ask for a hospital in the Maximum network (art. 6.9).
- 3. See a doctor the same day and leave with the certificate: without an on-the-spot finding, nothing is covered (art. 33).
- 4. Admitted for more than 24 h? The front desk calls Maximum: direct payment guarantee, no deposit (art. 2.12).
- 5. Book no ambulance or flight yourself (art. 6.2.2).
- 6. Once home, file within 30 days (art. 35.7).
- Local emergency services: single number 911.
SourcesSpecial conditions 01.26General conditions, policy 20 00 479
Which emergency numbers in Canada?
Local emergency services: single number 911
- Maximum, 24/7, before any payment: +41 22 ••• •• ••.
- France — Ambassade de France au Canada (3.6 km) · +1 613 789 1795
- Switzerland — Ambassade de Suisse (2.6 km) · +1-613-235-1837
- United Kingdom — Earnscliffe Official Residence British High Commissioner to Canada (2.9 km)
- United States — Ambassade des États-Unis d'Amérique (1.9 km) · +1-613-688-5335
- Save these numbers before leaving; in immediate danger, call local emergency services first, then Maximum.
SourcesEmergencyNumberAPI · Wikidata · read 08.10OpenStreetMap · read 13.10
Is an Amex, Visa or Mastercard enough in Canada?
At today's level 1/4, card by card:
- Amex Platinum — No area exclusion at this level — but three written limits: deductible and prior approval, 90-day cap, advance under conditions.
- Visa — No express area exclusion — but a €156,000 cap, 90 days, and the war/instability exclusion in the background.
- Mastercard — No exclusion in play at this level — but a €155,000 cap and 90 covered days.
- Three lines to read in your notice: the duration (often 90 days per trip), the settlement (reimbursement afterwards or direct payment of the hospital) and the area exclusion at level 4/4.
SourcesAmex Platinum France T&Cs, 01.2025 — general exclusion n° 11BNP Paribas Visa Infinite notice (policy PT7), 04.2025 — comFortuneo World Elite Mastercard notice, 01.2026 — art. 5.5 '
Are a health plan or a travel policy enough in Canada?
A health plan reimburses at home; here, the hospital asks for a payment guarantee before admission.
- Health plan — A health plan treats you at home. Here the hospital asks for a guarantee before admission — not a later reimbursement.
- Travel policy — No area exclusion at this level — compare cap, deductible and covered duration.
- A travel policy often has a territorial clause at level 4/4 and a 90-day limit per trip.
- Have your IPID number or the PDF of the terms and ask an expert to call you back: the answer is in the document, not in the brochure.
SourcesGeneral conditions, policy 20 00 479
How do I use the medical network on this page?
The page reads hospitals, pharmacies and doctors from OpenStreetMap, around the point you choose.
- Type your city, hotel or beach: the map re-centres, 24/7 emergency rooms come first.
- Each row gives the phone when the source publishes it, the nearest street, directions and the Google Maps listing.
- The PDF briefing repeats the same places, numbered on a printable map.
- No customer reviews: OpenStreetMap has none, and we invent none.
Which vaccines and health precautions for Canada?
The sourced detail is under Medical network › Health: vaccines, diseases present, altitude, outbreaks.
- CDC (Travelers' Health), depending on the trip: Routine vaccines, COVID-19, Hepatitis A, Hepatitis B, Measles, Monkeypox, Rabies.
- See a doctor or a travel clinic 8 weeks before departure (Foreign Office).
- Carry your medicines in their packaging, with a prescription using international non-proprietary names (France Diplomatie).
SourcesCDC Travelers' Health · read 10.10France Diplomatie · updated 15.09 · read 16.10OMS · read 15.10Foreign Office · updated 02.06 · read 16.10
Can I be treated in Canada, or will I be evacuated?
2.8 physicians per 1,000 people (2023) versus 4.5 in Switzerland.
- 2.5 hospital beds per 1,000 people versus 4.4 in Switzerland (World Bank).
- With 2.8 physicians per 1,000 people (38% fewer than Switzerland), the nearest hospital does not always have the capacity for a serious case: evacuation to an adequate centre is the rule, not the exception — that is what unlimited evacuation and repatriation cover. Health spending of 6,378 USD per person (Switzerland: 11,784): expensive care, settled directly by the insurer with the payment guarantee.
- When the local facility is not enough, Maximum's medical team decides the evacuation to a suitable centre, and pays for it (art. 6.2.2).
SourcesWorld Bank · read 10.10General conditions, policy 20 00 479
Canada: safety, in figures?
2.0 homicides per 100,000 people (2023) versus 0.6 in Switzerland and 1.3 in France.
- 5.3 road deaths per 100,000 people versus 2.2 in Switzerland (World Bank, WHO).
- The homicide rate is 3 times Switzerland's: violence is a real risk there, concentrated in the areas named by the official advisories. On the road, 2 times more deaths than in Switzerland: road crashes are the leading cause of death of healthy travellers (CDC) — seat belt, no night driving, a driver or a taxi from a rank.
Where is my embassy in Canada, and why register?
The nearest representations, by passport (OpenStreetMap):
- France — Ambassade de France au Canada (3.6 km) · +1 613 789 1795
- Switzerland — Ambassade de Suisse (2.6 km) · +1-613-235-1837
- United Kingdom — Earnscliffe Official Residence British High Commissioner to Canada (2.9 km)
- United States — Ambassade des États-Unis d'Amérique (1.9 km) · +1-613-688-5335
- Register before leaving: France: Ariane · Switzerland: Travel Admin · United Kingdom: Foreign Office alerts · United States: STEP.
- Two minutes, and in a crisis your country's authorities can reach you and count you in an evacuation.
- Pick your passport at the top of Contacts: your embassy comes first.
SourcesOpenStreetMap · read 13.10DFAE · updated 20.07 · read 16.10
Which regions of Canada should I avoid, precisely?
No region is advised against by the official readings checked (Foreign Office and France Diplomatie): the national advice applies everywhere.
- Your point (Ontario): country-wide vigilance.
- Maximum does not exclude these areas: the VIP Pack covers care and repatriation there (sanctions, embargoes and a country already at war at departure remain enforceable).
SourcesGlobal Affairs CanadaForeign Office · updated 02.06 · read 16.10France Diplomatie · updated 15.09 · read 16.10
Which laws and customs should I know in Canada?
Local laws apply to every traveller; here is what the official texts say.
- Possessing, using or smuggling illegal drugs carries severe penalties including long jail sentences and heavy fines; airport security detects illegal items including cannabis in checked and transit baggage.
- Taking cannabis out of Canada without a permit or exemption from Health Canada is illegal; those attempting to do so face arrest.
- Alcohol consumption is permitted only in licensed establishments and is prohibited for persons under 19 years old in most provinces and territories.
- Physical assault may result in legal prosecution and provisional detention; laws and judicial systems vary by province and territory.
- Drug offences, including possession of minimal quantities, carry sentences of several years imprisonment or life imprisonment depending on the province.
SourcesGlobal Affairs CanadaForeign Office · updated 02.06 · read 16.10
Who can I call at any hour from Canada?
Every foreign ministry runs a 24/7 emergency line for its nationals.
- France — Crisis and Support Centre — French Ministry for Europe and Foreign Affairs: +33 1 53 59 11 00. 24/7 emergency line, standard rate. First contact abroad: the French embassy or consulate.
- Switzerland — FDFA Helpline: +41 58 465 33 33 · +41 800 24 7 365. 24/7, 365 days a year — helpline@eda.admin.ch. Beware of scam calls spoofing these numbers.
- United Kingdom — Foreign, Commonwealth & Development Office: +44 20 7008 5000. 24 hours, for British nationals.
- United States — Overseas Citizens Services — U.S. Department of State: +1 202 501 4444 · +1 888 407 4747. From abroad; the second number from the U.S. and Canada.
- On site, Ambassade de France au Canada: +1 613 789 1795.
Sourcesdiplomatie.gouv.fr · updated 15.09 · read 16.10eda.admin.ch · updated 20.07 · read 16.10
What should I keep after leaving Canada, and how do I file a claim?
Keep the entry stamp, the invoices, the prescriptions and the medical report.
- File within 30 days (art. 35.7) from your client area, with the documents; the official forms are pre-filled.
- Costs advanced on site are reimbursed against receipts.
- Fever, persistent diarrhoea or a rash in the following weeks? See a doctor and say where you have been.
SourcesGeneral conditions, policy 20 00 479
What does the Pack VIP Extreme add?
Cancellation or change up to EUR 20,000, special risk EUR 5,000 per person, crisis management and security, optional Kidnap & Ransom.
- Special risk (Module A): political event, attack, epidemic, natural disaster — opens when the FDFA, the FOPH or WHO advise against the trip (art. 18.1).
- Epidemic: assistance must be requested within 7 days of the WHO or FDFA qualification (art. 36.2).
- Crisis management and security: trip registration, monitoring, extraction, evacuation in case of riot, war, terrorism or disaster; Kidnap & Ransom subject to eligibility (art. 18.4).
- €2,290 a year, unlimited trips.
SourcesGeneral conditions, policy 20 00 479
A question not answered here? Ask Maximum below, or call the support number: every question gets a clear, actionable answer.
In a life-threatening emergency, call local emergency services first, then Maximum: +41 22 ••• •• •• — 24/7 support number, an adviser stays with you to the end.
What Maximum knows
The 207 country pages — hospitals, pharmacies, police, embassies, emergency numbers, official advice from four governments, health, safety in figures, events in progress — read around the city you name. Your policy — benefits, the six steps, claims, articles. The site — prices, certificate, subscription. Nothing else: what it does not know, it says so and hands you to an adviser.
Same advisory level: Sint Maarten · Saint Vincent and the Grenadines · El Salvador · Samoa · Seychelles · Singapore
The displayed level comes from the State Department, checked every morning. Before departure, always cross-check your country of residence's advisory: that is what your policy cites.
The level shown is the official U.S. Department of State level, checked daily. Maximum Insurance is an insurance distributor — general information, not personal advice.