Canada is an exciting destination, but medical care for visitors can be extremely expensive. A single emergency room visit, hospital stay, or prescription can cost thousands of dollars without insurance.

Visitors insurance protects you against these unexpected medical and hospital expenses. It can cover emergency treatment, ambulance services, hospital stays, and in some plans, follow-up care and prescriptions. Claims are common, and payouts often involve high-cost medical bills, making coverage essential for both short and long stays.

Visitors to Canada can choose from many reputable insurers. Based on our review of leading visitors insurance companies in Canada, five providers stand out for 2026 for their strong coverage, competitive pricing, and reliable claims support. The remaining insurers are covered later in our full comparison.

Top 5 visitors insurance providers in Canada

1. Allianz: Best for international students 
2. Manulife: Best for comprehensive coverage 
3. TuGo: Best for pre-existing medical conditions 
4. 21st Century: Best for companion discounts 
5.  Destination Canada: Best for convenience 

Top visitors insurance companies in Canada (2026)

Choosing the right visitor insurance plan depends on your travel length, health needs, and budget. Whether you are visiting for a short stay, need coverage for pre-existing conditions, or want an affordable option, the right policy can protect you from costly medical and travel emergencies. Some insurers focus on comprehensive protection, while others offer lower premiums, flexible payment options, or added travel benefits.

Below are our top-rated visitors insurance providers in Canada (2026).

1. Allianz: Best for international students 
2. Manulife: Best for comprehensive coverage 
3. TuGo: Best for pre-existing medical conditions 
4. 21st Century: Best for companion discounts 
5.  Destination Canada: Best for convenience 
6. GMS: Best for super visa insurance
7. MSH International: Best for side trips 
8. Travelance: Best for monthly payment plans
9. Secure Travel+: Best for customizable deductibles

Methodology: How we ranked the best visitors insurance companies in Canada

We ranked each visitor insurance company using a structured review process led by licensed advisors. Emergency medical limits, pre-existing condition coverage, and travel benefits were compared first. Plan flexibility was reviewed next, including side trips, extensions, and deductibles. Pricing and overall value were analyzed across age groups. Claims support and customer experience were also assessed. Suitability for seniors, students, super visa applicants, families, and long-stay visitors influenced final placement. Ratings reflect protection quality, reliability, and real-world usability.

Below, we break down each of the top visitors’ insurance providers, their key features, and why they stand out in 2026.

How much does visitors health insurance cost?

Visitors health insurance premiums in Canada vary significantly based on age, health status, coverage amount, deductible and the duration of the trip, so a single fixed range can be misleading.

Here is an example of a cost breakdown of different age groups with and without pre-existing health conditions:

What affects travel insurance costs?

Several factors influence travel insurance costs:

• Age: Older travellers typically pay higher premiums due to increased health risks
• Trip duration: Longer trips generally incur higher costs
• Coverage amount: Policies with higher coverage amount for medical expenses 
• Health condition: Pre-existing medical conditions may increase premiums or limit coverage
• Activities: Engaging in high-risk activities like skiing or scuba diving may raise premiums
• Policy type: Comprehensive policies covering more aspects of travel tend to be more expensive

How to choose the right Visitors to Canada insurance plan

Choosing the right Visitors to Canada insurance plan is about balancing coverage, reliability, and cost, not just price.

Look for policies that adequately cover emergency medical care, stable pre-existing conditions, and potential trip interruptions. Comparing insurers based on coverage limits, claim processes, and customer experience helps you avoid gaps when you need support most.

Always review policy exclusions, deductibles, and coverage limits carefully. Understanding these details ensures you choose visitor insurance that provides dependable protection throughout your stay in Canada.

Who should buy visitors to Canada insurance?

Visitors to Canada insurance is essential for several groups of people to ensure they have adequate coverage for medical emergencies and other unforeseen events while in Canada. 

Here are the primary groups who should consider purchasing VTC insurance:

• Tourists and vacationers: To cover medical emergencies, trip cancellations, and other travel-related issues
• International students: To cover healthcare costs not included in their school’s insurance plan
• Parents and grandparents: Especially those under the super visa program, which requires proof of medical insurance
• Business travellers: To cover any medical emergencies during their stay
• New immigrants: To cover the interim period before provincial health coverage takes effect
• Returning Canadians: If not immediately eligible for provincial health coverage
• Temporary foreign workers: To cover medical expenses and protect against high healthcare costs
• Event attendees: To cover medical emergencies while attending conferences, sports tournaments, or cultural festivals

Common exclusions in Visitors to Canada insurance policies

Visitors to Canada insurance provides essential emergency medical protection, but it does not cover everything. Understanding common exclusions helps you avoid denied claims and unexpected expenses.

1. Non-emergency care: Planned or elective procedures, routine check-ups, alternative treatments, and preventive care are not covered
2. Charges above UC&R limits: Insurers reimburse only costs considered Usual, Customary, and Reasonable (UC&R). Any amount above this limit is excluded
3. Pregnancy and maternity care: Routine maternity services and childbirth are generally not covered under visitor insurance plans
4. High-risk or extreme activities: Activities such as skydiving, scuba diving, or mountaineering may be excluded unless additional coverage is purchased
5. Intentional or illegal acts: Injuries resulting from criminal activity, self-harm, or illegal acts are not covered
6. Travelling against medical advice: Medical expenses may be excluded if you travel despite a doctor advising against it
7. Experimental treatments: Procedures not recognized as standard medical care are generally excluded

Always review policy exclusions carefully to ensure your coverage matches your needs.

How to choose the best Visitors to Canada insurance policy

Choosing the right Visitors to Canada insurance plan can feel overwhelming, but focusing on your coverage needs makes the decision easier:

1. Assess your travel plans: Consider the length of your stay, planned activities, and the province you’ll visit. For provinces with higher healthcare costs, select a policy with sufficient emergency medical coverage
2. Consider your health history: If you have pre-existing conditions, choose a plan that explicitly covers them, such as those offered by TuGo or Manulife
3. Compare coverage limits: Review emergency medical, hospital, and outpatient benefits to ensure adequate protection
4. Read the fine print: Check exclusions, deductibles, and limitations, especially for high-risk activities or medical conditions
5. Consult a licensed advisor: PolicyAdvisor experts can help compare VTC policies and select a plan tailored to your visit

When preparing for a visit to Canada, securing medical insurance for visitors is a crucial step to protect yourself from the high costs of healthcare. It not only serves as a financial safety net against inflated medical bills but also guarantees access to necessary medical care when needed, offering peace of mind throughout your trip.

PolicyAdvisor licensed experts can help you explore budget-friendly plans tailored to your needs, so you can enjoy your trip to Canada stress-free and focus on creating memorable experiences.

Frequently asked questions

Is travel insurance essential for visitors to Canada?

Yes, travel insurance is essential for visitors to Canada as it covers potential medical emergencies, trip cancellations, and unforeseen events, ensuring financial protection during your stay.

When does travel medical insurance coverage begin and end?

If you purchase travel insurance before arriving in Canada, coverage begins immediately upon arrival. When purchased after arrival, most visitor insurance plans include a waiting period of 48–72 hours, which may extend up to 7–8 days in certain cases. Coverage ends on the earliest of policy expiry, return to your home country, eligibility for government health insurance, or other policy-defined termination conditions. 

Can you extend your visitors to Canada insurance coverage?

Yes, most insurers allow you to extend coverage if the request is made before the original policy expires, often subject to certain conditions.

What is a waiting period?

A waiting period is the initial time after the policy start date during which certain medical conditions or treatments are not covered.

Can a tourist see a doctor in Canada?

Yes, tourists can see a doctor in Canada. However, without visitor insurance, medical costs can add up quickly. Community clinic visits often range from about $100–$300 or higher, while hospital outpatient clinics frequently charge several hundred dollars or more. Emergency room visits are even more expensive and can reach $1,000–$2,000 or higher, depending on the treatment required.

How do you submit a travel insurance claim?

To submit a claim, contact your insurer, complete the claim form, and provide all necessary documentation, such as medical reports and receipts.

Can I travel to Canada without travel insurance?

Yes, you can enter Canada without travel insurance, but it’s not recommended. Canadian healthcare is expensive for visitors, who are not covered by the public health system, and the cost of any medical emergency, whether it’s a doctor’s visit or a stay in the hospital, can be substantial.

How do you apply for travel insurance to visit Canada?

You can apply online through an insurer’s website or via an insurance broker by providing your personal details, travel information, and payment.

Which company offers the best medical insurance for travel to Canada?

Manulife, TuGo, Destination Canada, and RBC offer comprehensive and affordable medical insurance for travel to Canada. However, we advise speaking with our advisors to choose the best visitor’s travel insurance policy for you.

What is Super Visa insurance in Canada?

Super Visa insurance is mandatory travel medical insurance for parents and grandparents of Canadian citizens or permanent residents applying for a Super Visa. It covers emergency medical costs that non-residents must pay for themselves. This coverage allows eligible family members to stay in Canada for up to five years at a time without renewing status.

The insurance protects against high medical expenses and ensures that your Immigration, Refugees and Citizenship Canada (IRCC) application meets requirements. To qualify, the plan must meet these criteria:

• Minimum $100,000 coverage for health care, hospitalization, and repatriation
• Valid for at least one year from entry into Canada
• Meets IRCC requirements for emergency medical coverage; specific benefits (such as physician visits, surgeries, ambulance services, and prescription drugs) vary by insurer and must be confirmed in the policy wording
• Provides repatriation in case of serious illness or death
• Option to cover pre-existing conditions if stable for 90–180 days
• Must be paid in full before application submission. Financing or monthly payment options are acceptable only if the insurer has received full payment, and proof of paid coverage is provided
• Requires submission of proof of paid coverage meeting IRCC criteria (such as a policy document, certificate, or insurer confirmation)

Best Super Visa insurance companies in Canada (2026)

We ranked the best Super Visa insurance companies in Canada for 2026 based on cost, coverage flexibility, pre-existing condition support, and customer experience. These plans meet IRCC requirements and protect visitors during long stays.

1. Allianz: Best for frequent travellers
2. TuGo: Best for customizable riders
3. Manulife: Best for value-added services
4. Destination Canada: Best for comprehensive coverage
5. GMS (Group Medical Services): Best for competitive pricing
6. 21st Century: Best for healthy travellers
7. Secure Travel (RIMI): Best for senior travellers

Let’s take a closer look at each of these top insurers, their unique features, and what makes them stand out in 2026.

How much does Super Visa insurance cost in Canada?

Super Visa insurance costs vary based on age, medical history, trip length, and coverage amount. Premiums rise with age and increase if pre-existing conditions are included. Choosing the right plan can help families manage costs while meeting IRCC requirements.

For example, premiums for a 75-year-old parent can vary significantly depending on the insurer, deductible, province of stay, trip length, and underwriting. Coverage for stable pre-existing conditions typically increases the cost. Always refer to live quotes with stated assumptions and insurer documentation for accurate pricing.

Super Visa insurance premiums differ based on age and whether you have pre-existing conditions. The table below provides illustrative annual costs for a plan with $100,000 in emergency medical coverage.

Can I buy Super Visa insurance after arriving in Canada?

You must buy Super Visa insurance before arriving in Canada if you want your application to be approved by Immigration, Refugees and Citizenship Canada (IRCC). The policy must be valid from the date of entry and provide at least one year of emergency medical coverage.

Although you can purchase travel insurance after arriving in Canada, it will not satisfy Super Visa requirements. IRCC requires proof of valid Canadian health insurance at the time of application, so make sure to compare plans and secure coverage before your parents or grandparents travel.

What happens if my Super Visa is denied after I buy insurance?

If your Super Visa is denied after you buy insurance, most providers in Canada will allow you to request a full refund, as long as you provide proof of visa refusal. To get your money back, you must submit the official IRCC rejection letter along with your policy details.

However, refund policies may vary by insurer, so it’s important to review the terms before purchasing. Many insurance providers in Canada, such as Manulife or 21st Century, offer hassle-free cancellation and full refunds in case of visa denial, ensuring you don’t lose your investment.

How to file a Super Visa insurance claim in Canada?

The Super Visa insurance claims process ensures that insured visitors can receive timely medical care in Canada without financial stress. It’s important to follow the correct steps to avoid claim denial or delays.

• Contact the insurer’s emergency assistance line immediately before or right after seeking medical care
• Follow the insurer’s instructions on approved hospitals or clinics to avoid out-of-network charges
• Collect and submit required documents, such as claim forms, medical records, itemized bills, and receipts
• Submit the claim within the insurer’s specified timeline (often 30–90 days)
• Track the claim status online or through customer service for updates until it’s processed and settled

How to get the most affordable Super Visa insurance quotes in Canada?

Finding affordable Super Visa insurance quotes in Canada doesn’t have to be overwhelming, especially when you have expert guidance. At PolicyAdvisor, we work directly with Canada’s best visitor travel insurance companies that offer this coverage. Whether you are looking for basic coverage or policies that include pre-existing condition protection and add-ons, we compare all the best options to help you save both time and money.

Our licensed insurance advisors can help you find the cheapest Super Visa insurance quotes based on your unique needs, medical history, and budget preferences.

We also offer lifetime after-sales support, whether you need help with renewals, claims, or updating your coverage. Schedule a call with us today to get customized plans based on your travel needs.

What happens if my Super Visa is rejected after buying insurance?

If your Super Visa is denied, most insurance providers in Canada will offer a full refund, often minus a small administrative fee. To receive the refund, you must submit proof of visa rejection, usually the IRCC refusal letter, before the policy’s start date. It’s essential to review the refund policy at the time of purchase, as terms may vary. Trusted providers like Manulife, TuGo, and 21st Century typically allow hassle-free cancellations.

Are monthly payments available for Super Visa insurance?

While Super Visa insurance usually requires full upfront payment for one year, some providers now offer monthly payment options through approved Canadian brokers. These plans may involve a small financing fee or require a deposit up front. Monthly payments can make Super Visa insurance more affordable for families managing high premiums, especially for elderly applicants or those with pre-existing conditions. 

Does Super Visa insurance cover prescription drugs and follow-up care?

Super Visa insurance typically covers emergency prescription medications related to a covered illness or accident, but it may not cover long-term medications or routine refills. Some plans include limited coverage for follow-up visits or diagnostic tests, especially if linked to the initial emergency. It’s important to review each plan’s benefit summary carefully or consult a licensed advisor to ensure you choose a policy that meets the specific health needs of your visiting parents or grandparents.

Will my Super Visa insurance cover travel to other provinces in Canada?

Yes, most Super Visa insurance policies provide coverage throughout all provinces and territories in Canada, as long as the insured person is temporarily residing in Canada. However, coverage levels may vary if you change your location permanently or travel outside Canada. Some plans also include limited emergency travel coverage for short trips to the U.S. or other countries. Always confirm with your insurer about any travel plans and review the territorial coverage limits in your policy to avoid surprises.

Is private health insurance still mandatory for the Super Visa in 2025?

Yes, Super Visa applicants must have valid private medical insurance with a minimum coverage of $100,000, even in 2025. The policy must cover health care, hospitalization, and repatriation, and be valid for at least one year from the date of entry.

Can I use a foreign insurance provider for the Super Visa?

Yes, as of January 28, 2025, applicants can purchase Super Visa insurance from foreign providers, but only if the insurer is OSFI-approved and meets all Canadian coverage requirements. If you’re unsure about your insurer, contact OSFI directly by emailing information@osfi-bsif.gc.ca with the company’s name and policy details.

How much does Super Visa insurance cost in 2025?

Super Visa insurance can cost between $100 to $200 per month for each parent or grandparent visiting Canada. However, costs vary based on factors like age, health, coverage limits, and provider.

Which insurance companies offer Super Visa insurance?

You can get a parent/grandparent Super Visa insurance policy from some of the best visitor insurance companies in Canada, like:

• Manulife
• Tugo
• Group Medical Services (GMS)
• Allianz
• 21st Century Travel Insurance Limited
• Destination Canada
• and more!

What is Super Visa insurance?

Super Visa insurance is a mandatory visitor health insurance policy for parents and grandparents applying for Canada’s Super Visa. This insurance covers emergency medical care, hospitalization, and repatriation for at least one year, with a minimum coverage amount of $100,000.

Super Visa insurance plans cover emergency healthcare services such as hospitalization, physician fees, diagnostics, and repatriation. Many insurers also offer Super Visa insurance for seniors that includes coverage for stable pre-existing conditions. However, the cost and coverage for such insurance plans can vary based on the stability of the condition.

You need to submit insurance proof when you’re applying for the Super Visa. Without valid insurance coverage, your visa application may be denied. You can also choose flexible Super Visa insurance payment options, including monthly Super Visa insurance plans.

What are the key features of Super Visa insurance in Canada?

In 2025, Super Visa insurance continues to be a mandatory requirement for parents and grandparents applying for the Super Visa to visit Canada. Recent updates have expanded access and made policies more flexible, offering visitors better protection during their extended stay.

• Minimum medical coverage: Every Super Visa insurance policy must provide a minimum of $100,000 in coverage. This includes emergency medical care, hospitalization, doctor visits, prescription drugs, and repatriation
• One-year validity requirement: The insurance must be valid for at least one year from the date of entry into Canada, regardless of the applicant’s intended length of stay
• Coverage from approved foreign insurers: As of 2025, applicants may purchase Super Visa insurance from non-Canadian providers, provided the insurer is authorized by Canada’s Office of the Superintendent of Financial Institutions (OSFI)
• Coverage for pre-existing conditions: Many providers offer Super Visa insurance with pre-existing condition coverage, provided the medical condition has remained stable for a defined period, usually 90 to 180 days before travel
• Flexible payment options: Applicants can choose between full upfront payment and monthly Super Visa insurance plans. While monthly plans offer better cash flow, they may include additional fees or require a commitment for the full term.
• Refund policies: Most insurers offer a full or partial refund if the visa is denied, the visitor returns home early, or the policy is cancelled before the effective date. This feature offers added financial security for families

Is Super Visa insurance refundable if the visa is denied?

Yes, most Super Visa insurance providers offer a full refund if the visa is denied, provided you submit proof of the visa refusal and haven’t used the policy. Always review the insurer’s refund policy before purchasing. 

Although processing fees may apply in this case, reputable companies may typically return the full premium amount without any further deduction. Make sure to request the refund within the specified timeframe mentioned in your Super Visa insurance refund policy.

Can I buy Super Visa insurance for less than 1 year?

You must purchase a Super Visa insurance policy that offers at least one year of coverage to meet IRCC’s requirements. However, if your parent or grandparent plans a shorter visit, some insurers allow early cancellation with a partial refund, provided they leave Canada early and no claims are made. 

While the full-year policy is mandatory upfront, Super Visa insurance for seniors can offer flexible refund options for early departures.

What happens if I cancel Super Visa insurance mid-policy?

If you cancel your Super Visa insurance mid-policy, most insurers allow a partial refund of the unused premium only if no claims have been made and the insured has left Canada. You’ll need to provide departure documentation such as flight tickets or passport stamps. 

Cancellation fees may apply, and refund terms vary between different providers. It’s best to understand the cancellation terms clearly when you buy Super Visa insurance online.

Do all Super Visa insurance plans cover emergency evacuation?

Not all Super Visa insurance plans include emergency evacuation by default. Basic plans may limit coverage to emergency medical treatment within Canada. 

If you want protection for emergency medical evacuation or repatriation, you should opt for an enhanced Super Visa medical insurance plan or add an optional rider. Review your policy carefully to confirm if these benefits are included or need to be added for complete coverage.

Can I switch Super Visa insurance providers mid-term?

Switching Super Visa insurance providers mid-term is generally not recommended, as most policies are non-transferable and may not offer pro-rated refunds if claims have been made. However, you may cancel your current policy and purchase a new one if no claims have occurred and your stay in Canada is extended.

Work with a licensed insurance advisor to evaluate whether switching mid-term will affect your Super Visa insurance coverage or result in extra costs.

Frequently asked questions

What is a deductible?

A deductible is the amount you need to pay out-of-pocket for your medical expenses before your insurance starts covering the costs. For example, if your deductible is $500, you’ll need to pay the first $500 of your medical bills yourself. After you’ve paid this amount, your insurance will begin to cover the remaining eligible costs according to the terms of your policy.

How much visitor insurance do I need in Canada?

Our advisors recommend purchasing at least $100,000 in medical insurance coverage. This is because hospital expenses for visitors to Canada can cost anywhere from $100 to $600 for a visit to the doctor or a walk-in clinic, while an emergency room or hospitalization could be as high as $6,000 per day.

Is visitor insurance in Canada mandatory for non-residents?

While visitor insurance in Canada is not mandatory, it is highly recommended to avoid significant emergency medical expenses. The Government of Canada recommends that non-residents get a minimum of $100,000 in visitor to Canada insurance coverage.

Can I purchase insurance after arriving in Canada?

Yes, most insurers allow you to buy coverage when you have arrived in Canada, usually five days after arrival and with a waiting period of up to a week or more.

Can I purchase visitor health insurance for someone over 85 years old?

Yes, you can buy visitor health insurance for individuals over 85 visiting Canada, but it often comes with limitations and higher costs. Coverage limits are usually lower, such as $20,000 or $50,000, compared to the higher limits available for younger travellers. Premiums and deductibles are significantly higher, and pre-existing conditions may be excluded or have a waiting period.

Are there any discounts on visitor health insurance?

Yes, several insurers offer discounts like companion discounts on visitor health insurance. For example, 21st Century offers a family discount for visitor medical insurance.

What factors influence the cost of visitor health insurance in Canada?

The cost of visitor health insurance varies based on a visitor’s age, health condition, duration of stay, and the policy’s coverage amount, deductibles, and type.

Who is eligible for free health care in Canada?

Canadian citizens and permanent residents are eligible for free healthcare in Canada with provincial health coverage. Non-residents such as tourists, international students, and new immigrants are not covered under provincial health coverage.

Can I get a refund if I cancel my visitor health insurance?

Yes, you can cancel your visitor health insurance plan for Canada and receive a refund if you return to your home country or get provincial coverage, though the terms differ between insurers. Many providers offer full refunds if you cancel within the free-look period or before the policy takes effect. Once coverage has started, you may be eligible for a pro-rata refund for unused days, minus any applicable fees.

What is super visa insurance in Canada?

Super visa insurance is a mandatory medical insurance policy required for parents and grandparents who want to visit their family in Canada under the super visa program. This insurance protects visitors from high out-of-pocket expenses related to emergency health care during their stay and ensures that they receive necessary medical attention without becoming a financial burden on their Canadian host.

Super visa eligibility

The IRCC enforces strict rules for super visa insurance. To be eligible for a super visa, each applicant must:

• Provide proof of private medical insurance from a Canadian insurance company or a company outside Canada that is approved by IRCC
• Show that the insurance offers a minimum of $100,000 in emergency medical coverage
• Ensure the policy is valid for at least one year from the date of entry
• Be a parent or grandparent of a Canadian citizen or permanent resident of Canada

What are the affordable super visa insurance options in Canada?

Finding the cheapest medical insurance for super visa holders in Canada depends on the visitor’s age, health condition, duration of stay, and budget. In 2026, the most affordable super visa medical insurance providers include Secure Travel, 21st Century, GMS, Destination Canada, TuGo, and Manulife.

• Cheapest for older travellers: Secure Travel
• Cheapest for the lowest base premiums: 21st Century
• Cheapest for low deductibles: GMS
• Cheapest for comprehensive benefits: Destination Canada
• Cheapest for unstable pre-existing conditions: TuGo
• Cheapest for value-added services: Manulife

What factors can impact the cost of your Super Visa insurance in Canada?

Several key factors affect how super visa insurance costs in Canada. While all plans must meet IRCC’s minimum coverage of $100,000 for one year, your parents’ age, health, and coverage options can significantly change the premium. Here are the main factors that influence its costs:

• Applicant’s age: Insurance companies charge higher premiums as the applicant gets older, with sharp increases after age 60 or 70
• Pre-existing medical conditions: If you include coverage for stable conditions like diabetes or hypertension, insurers will raise the cost of the plan
• Stability period: Plans that accept shorter stability periods typically come with higher premiums due to greater risk
• Coverage amount: Choosing higher coverage amounts, such as $200,000 or $300,000, increases your premium compared to the $100,000 minimum
• Deductible chosen: Selecting a higher deductible lowers your premium, while opting for a $0 deductible raises it
• Payment method: Paying monthly may help with cash flow, but it ends up costing more than paying the full amount upfront

Do super visa insurance premiums increase every year?

Yes, super visa insurance premiums typically increase with each passing age, especially for seniors. Insurers adjust rates based on age brackets, health risk data, and inflation in medical costs. If your parents or grandparents are reapplying or renewing their visit after a year, expect higher quotes even if nothing else changes.

Can I switch my Super Visa insurance provider after arrival in Canada?

Yes, you can switch Super Visa insurance providers after arriving in Canada, but only if your current policy is cancelled and refunded properly. Some insurers allow partial refunds for unused days if you haven’t made any claims.

Before switching, make sure the new plan meets IRCC’s requirements, especially the minimum one-year coverage. Contact both providers in advance to avoid any lapse in coverage, which could affect your Super Visa status or re-entry into Canada.

Can I pause or suspend Super Visa insurance if my parents leave Canada early?

No, most Super Visa insurance plans cannot be paused, but you can request a partial refund if your parents leave Canada before the policy’s end date. Refund eligibility usually depends on no claims being filed and your parents providing proof of departure, such as flight tickets or exit stamps. You must submit a cancellation request before the coverage ends.

Can I get a refund if my Super Visa application is denied after purchasing insurance?

Yes, most Canadian Super Visa insurance providers offer a full refund if your visa application gets denied, as long as you provide proof of refusal (such as an IRCC rejection letter). You must also cancel the policy before the start date. Refund policies vary slightly between insurers, so it’s crucial to review the cancellation terms before buying.

Does the affordable super visa insurance cover pre-existing medical conditions?

The cheapest Super Visa insurance plans usually offer basic emergency medical coverage and often exclude pre-existing conditions to keep premiums low. However, some affordable policies do cover pre-existing medical conditions, but only if the condition is stable for a certain period (typically 90, 180, or 365 days before the policy start date).

If your parent or grandparent has conditions like diabetes, hypertension, or heart disease, and those conditions are stable, insurers like TuGo, Manulife, and Destination Canada offer relatively low-cost options that include this coverage.

Can I pay monthly for super visa insurance in Canada?

Yes, you can pay monthly for Super Visa insurance in Canada, but only a few providers offer this option. This is especially useful for families sponsoring parents or grandparents on a tight budget. However, monthly payment plans often come with slightly higher total costs due to administrative fees. Always review the full terms before choosing the monthly payment option for your super visa insurance.

What are the best visitor insurance plans available in Canada? 

In Canada, there are two main types of tourist health insurance: Visitors to Canada insurance, which is available for all non-residents, and Super Visa insurance, specifically designed for parents and grandparents of Canadian citizens or permanent residents. 

Both options provide coverage for medical emergencies, but Super Visa Insurance meets the requirements of the Super Visa program, offering extended coverage for longer stays. Here’s a breakdown of the different types:

1. Visitors to Canada insurance

Visitors to Canada insurance is a travel medical insurance designed specifically for non-residents visiting Canada, to provide coverage in case of any medical emergencies. 

It is an essential type of coverage for visitors on a visit visa, international students, work permit holders, new immigrants on PR, and returning Canadians who are not yet eligible for Canada’s provincial healthcare.

2. Super Visa insurance

This travel insurance for Canada visitors is designed for parents and grandparents of Canadian citizens or permanent residents who are applying for a Super Visa. Super Visa insurance must be purchased for at least one year with a minimum coverage amount of $100,000.

Is health insurance mandatory for tourists?

Health insurance is not legally mandatory for tourists in Canada, but it is strongly recommended. Having visitor health insurance for your Canada trip can protect you from financial burden, guaranteeing access to quality medical care, as non-residents cannot access public healthcare. 

• Visa requirements: Super visa insurance is a requirement by the Canadian government as a part of their visa application process
• No provincial health coverage Tourists are not covered by Canada’s publicly funded healthcare system, making private insurance necessary
• Financial protection: Accidents or sudden illnesses can happen at any time, and insurance provides financial protection
• Access to quality medical care: With insurance, tourists can access a wider range of medical services and facilities, ensuring they receive proper care if needed

What happens if a tourist gets sick in Canada?

If a tourist gets sick in Canada, the Canadian government will not cover any expenses for hospitalisation, medication, or other medical services. Tourists in Canada who do not have visitor coverage will be liable to pay any medical expenses out of their own pockets. To avoid this situation, tourists can get Visitors to Canada insurance before their arrival. 

Can I see a doctor in Canada as a tourist?

Yes, you can see a doctor in Canada as a tourist, but you will pay out-of-pocket for all services unless you have visitor health insurance. Given the costs involved, visitor health insurance is highly recommended for financial protection.

How much does a hospital visit cost for tourists in Canada?

For tourists visiting Canada, the cost of a hospital visit can be quite high. A doctor’s visit or walk-in clinic appointment can cost between $100 and $600, while a trip to the emergency room or hospitalisation could reach up to $6,000 per day!

The following table is a comparison between what non-residents will pay while availing treatment in Canada:

How much does it cost a tourist to visit the ER in Canada?

The cost for a tourist to visit the ER in Canada typically ranges from $300 to $1,000, depending on the severity of the condition and the treatments required. Additional tests, specialist consultations, or hospital stays, can significantly increase the total cost. Without health insurance for visitors, tourists will have to pay these expenses out-of-pocket.

Is healthcare free for tourists in Canada?

No, healthcare is not free for tourists in Canada. Canada’s public healthcare system is reserved for citizens and permanent residents, so tourists must pay for any medical services they receive. 

To avoid high out-of-pocket expenses, it’s strongly recommended that you purchase tourist medical coverage before arriving in Canada. This travel insurance in Canada helps cover expenses like doctor visits, hospital stays, and emergency medical treatments during their stay.

Can I get health insurance in Canada as a visitor?

Yes, you can get health insurance through visitor medical insurance Canada plans. These plans provide coverage for emergency medical expenses, hospital stays, and other unexpected healthcare needs. It’s essential to purchase a plan that fits your specific needs and review the coverage details, including exclusions and limits, to ensure adequate protection during your stay in Canada.

Can I enter Canada without health insurance?

Yes, you can enter Canada without health insurance since it is not mandatory. However, it is highly recommended to have visitors medical insurance before your visit. Without health insurance, you would be responsible for paying out-of-pocket for any medical services, which can quickly add up to thousands of dollars.

Can non-residents get health insurance in Canada?

Yes, non-residents can get tourist health insurance in Canada from insurance providers such as Manulife, Secure Travel, 21st Century, etc. These providers offer tailored plans that include coverage for medical emergencies, hospital stays, doctor visits, and additional healthcare services. Visitor medical insurance plans ensure that non-residents are financially protected in case of illness or injury while in Canada.

How much medical cover do I need for visiting Canada?

It’s recommended to have travel health insurance Canada with a minimum coverage of $100,000 to cover emergency medical expenses, such as hospital stays and emergency room visits. 

Can a tourist get medical treatment in Canada?

Yes, tourists can receive medical treatment in Canada, but it is not free. Foreigners must pay for all medical services, including doctor consultations, emergency room visits, and hospital stays. These expenses can add up to thousands of dollars, which can be a significant financial burden, especially in a foreign country.

Can I get visitor insurance for pre-existing conditions in Canada?

Yes, insurance providers like Tugo and Manulife offer coverage for stable pre-existing conditions, such as controlled diabetes, if stable for 90–180 days. You will be required to complete a medical questionnaire to confirm your eligibility.

With more people arriving in Canada than before, the demand for the cheapest visitor insurance is surging. According to a report, Canada’s travel insurance market is projected to grow to $1.1 billion by 2030. The cheapest travel health insurance options in Canada for non-residents vary based on the individual’s health and the coverage offered. Some of the most affordable visitor insurance providers in Canada are Travelance, TuGo, Destination, and 21st Century. In this guide, we’ll break down how to find the most affordable travel medical insurance in Canada that covers your needs comprehensively.

What is visitor health insurance in Canada?

Visitor to Canada insurance is a type of travel medical insurance that protects international visitors from unexpected medical costs while they’re in Canada. Provincial health insurance in Canada does not cover health care for tourists, Super Visa holders, or temporary visitors. This means that even a minor illness or injury could lead to thousands in out-of-pocket expenses for tourists.

Insurance companies offer visitor health plans specifically for people travelling to Canada, offering coverage for emergency treatments and hospitalization. Here are the key aspects of visitor insurance in Canada:

• Covers emergency medical expenses: It pays for emergency treatments like hospital stays, ambulance services, and doctor visits if a visitor gets sick or injured in Canada
• Offers flexible coverage limits: Visitors can choose how much coverage they  need, ranging from $10,000 to $100,000 or more, depending on their needs and visa requirements
• Coverage for pre-existing conditions: Some visitor insurance plans cover pre-existing conditions that have been stable for 90 to 180 days, depending on the visitor’s age and health history
• Required for Super Visa applicants: The Super Visa program requires proof of visitor insurance purchase for a minimum coverage of $100,000 either from a recognized Canadian insurer or a provider approved by the Office of the Superintendent of Financial Institutions (OSFI) for a minimum of one year
• Optional add-ons available: Visitors can also add benefits like accidental death or prescription drug coverage to some policies, depending on the provider
• Repatriation/evacuation benefits: Many policies include coverage for medical transport back home or to adequate facilities if needed, up to policy limits

Which companies offer the cheapest visitor health insurance in Canada?

Several companies, such as Travelance, TuGo, and 21st Century, offer affordable visitor health insurance for non-residents in Canada. Here is a list of the top visitor insurance providers that offer the cheapest plans for different health conditions, ages, and coverage options.

1. Secure Travel – Cheapest overall
2. Travelance – Cheapest for older individuals
3. TuGo – Cheapest for pre-existing conditions
4. Destination – Cheapest for monthly plans
5. 21st Century – Cheapest for longer stays
6. GMS – Cheapest for deductibles

Cheapest visitor health insurance overall: Secure Travel

Secure Travel regularly delivers the lowest total cost for healthy, short‑term visitors, without stripping out core emergency benefits. Pick Standard or Enhanced, then choose a deductible to drop your visitor insurance price further.

Average cost: A 30-day policy with $100,000 in emergency medical coverage typically costs between $95 and $328, depending on the visitor’s age, health, and deductible choice.

Key features of Secure Travel:

• Emergency medical coverage up to $1,000,000

• Coverage for hospitalization, physician fees, and diagnostic services

• Direct billing with participating health care providers

• Optional accidental death and dismemberment coverage

• Multiple deductible options to lower premium costs

• Coverage for stable pre-existing conditions (subject to eligibility)

Why PolicyAdvisor recommends Secure Travel:

• Among the lowest premiums available in the Canadian visitor insurance market

• Straightforward application process with fast policy issuance

• Flexible trip duration and coverage limits to match visitor needs

• Deductible choices that allow travellers to reduce premiums

Monthly premiums for visitor health insurance in Canada by Secure Travel

*Cost of $100k in coverage for a visitor traveling to Canada for a 30-day period

Cheapest visitor health insurance for older individuals: Travelance

Travelance is one of the most affordable options for older visitors to Canada, particularly those aged 70 and above. It offers competitively priced plans that cater specifically to the needs of senior travellers, making it a top choice for emergency medical coverage in this age group.

Average cost: A 30-day policy with $100,000 in emergency medical coverage for Travelance typically ranges from $85 to $400.

Key features of Travelance:

• Available in two options: Essential and Premier
• Emergency medical coverage up to $150,000
• Specialized plans for seniors aged up to 79
• Optional coverage for stable pre-existing conditions under the Premier option
• Access to 24/7 emergency assistance and direct billing
• Choice of deductibles to adjust the premium cost
• Covers hospitalization, physician visits, and prescription medications

Why PolicyAdvisor recommends Travelance:

• Among the most affordable plans for travellers over age 70

• Coverage options designed specifically for older individuals

• Includes benefits like diagnostics, hospital stays, and emergency care

• Offers flexible deductible options to reduce premium costs

Monthly premiums for visitor health insurance in Canada by Travelance

*Cost of $100k in coverage for a visitor traveling to Canada for a 30-day period

Cheapest visitor health insurance for pre-existing conditions: TuGo

TuGo is one of the best options for visitors to Canada with pre-existing medical conditions. It offers competitively priced plans that include coverage for stable pre-existing conditions, making it a preferred choice for travellers managing chronic health concerns.

Average cost: A 30-day policy with $100,000 in emergency medical coverage typically ranges from $100 to $500, depending on the traveller’s age, health status, and deductible selection.

Key features of TuGo:

• Emergency medical coverage up to $500,000
• Coverage for stable pre-existing conditions (typically 90 to 180 days of stability required)
• Coverage for all ages
• 24/7 accident insurance of up to $25,000
• Direct billing with many Canadian health care providers

Why PolicyAdvisor recommends TuGo:

• Among the most affordable plans that cover stable pre-existing conditions

• Transparent eligibility rules with defined stability periods

• Comprehensive emergency coverage tailored to visitors with chronic health needs

• 24/7 emotional assistance via Assistenza

Monthly premiums for visitor health insurance in Canada by TuGo

*Cost of $100k in coverage for a visitor traveling to Canada for a 30-day period

Cheapest visitor health insurance for monthly plans: Destination Canada

Destination Canada is a top choice for visitors who prefer to pay for their insurance on a monthly basis rather than up front. It offers flexible monthly payment options and long-term plans, making it ideal for budget-conscious travellers staying in Canada for extended periods.

Average cost: A 30-day policy with $100,000 in emergency medical coverage typically ranges from $80 to $478.

Key features of Destination Canada’s visitor to Canada Policy:

• Emergency medical coverage available from $25,000 to $300,000
• Monthly payment option available for long-term policies
• Coverage for emergency care, hospitalization, diagnostics, and physician fees
• Optional benefits include accidental death and any outbound travel interruption
• Coverage is available for certain stable pre-existing conditions

Why PolicyAdvisor Destination Canada:

• Offers a rare monthly payment option to help manage upfront costs

• Competitive pricing for longer stays and extended visitor coverage

• Comprehensive emergency care benefits with flexible coverage limits

Monthly premiums for visitor health insurance in Canada by Destination Canada

*Cost of $100k in coverage for a visitor traveling to Canada for a 30-day period

Cheapest visitor health insurance for deductibles: GMS

GMS (Group Medical Services) offers some of the lowest premiums for visitors who choose higher deductibles. This option is ideal for travellers willing to cover a larger portion of their initial medical expenses out-of-pocket in exchange for reduced insurance costs.

Average cost: A 30-day policy with $100,000 in emergency medical coverage typically ranges from $100 to $450, depending on the visitor’s age, health status, and selected deductible. The lowest premiums are available with a $500 deductible.

Key features of GMS:

• Emergency medical coverage up to $150,000

• Deductible options ranging from $0 to $10,000

• Optional benefits such as trip interruption and accidental death

• Coverage available for stable pre-existing conditions (with a defined stability period)

• Fast and easy online application process

Why PolicyAdvisor recommends GMS:

• Lowest premiums in the market for plans with a $500 deductible

• Wide range of deductible options to customize premium levels

• Reliable emergency medical coverage from a reputable Canadian provider

• Strong value for short-term visitors seeking cost savings

Monthly premiums for visitor health insurance in Canada by GMS

*Cost of $100k in coverage for a visitor traveling to Canada for a 30-day period

Budget-friendly visitor health insurance for longer stays: 21st Century

21st Century offers some of the most affordable visitor health insurance plans for those planning extended stays in Canada. With coverage available for up to two years, it’s an ideal choice for long-term visitors, such as family members, retirees, or those here for work or study.

Average cost: A 30-day policy with $100,000 in emergency medical coverage typically ranges from $89 to $480, depending on the visitor’s age, medical history, and selected deductible. Premiums often decrease for longer durations.

Key features of 21st Century:

• Emergency medical coverage up to $200,000 or more
• Long-term policies are available for up to 2 years
• Optional benefits include repatriation and accidental death
• Stable pre-existing condition coverage available with defined stability periods
• Monthly rates decrease for longer coverage durations

Why PolicyAdvisor recommends 21st Century:

• Excellent value for long-term visitors with decreasing premium rates

• One of the few providers offering true long-stay coverage up to two years

• Flexible options for deductibles and coverage limits

• Strong benefits package even for extended stays

Monthly premiums for visitor health insurance in Canada by 21st Century

*Cost of $100k in coverage for a visitor traveling to Canada for a 30-day period

Visitor insurance costs: With vs. without pre-existing conditions

Visitors’ health insurance in Canada costs between $70 and $450, depending on your age, health status, coverage amounts, and the duration of the trip. Here is an example of a cost breakdown of different age groups with and without pre-existing health conditions:

Cost of visitor health insurance in Canada

*Cost of $100,000 in coverage for a visitor traveling to Canada for a 30-day period

What factors affect the cost of visitor health insurance in Canada?

When determining the cost of your visitor insurance, factors such as age, health status, the length of stay, and the province you plan to visit might come into play. Understanding these can help you anticipate and manage your insurance expenses effectively:

• Age: Insurance premiums often increase with age. Older visitors generally face higher insurance costs due to the increased likelihood of health issues
• Health status and pre-existing conditions: Your current health status, including any pre-existing medical conditions, significantly impacts your insurance price. Plans that cover pre-existing conditions typically come with higher premiums
• Trip duration: The length of your stay in Canada directly influences your insurance costs. The longer you stay, the higher the overall premium, as the risk period for the insurer is extended
• Coverage limits and deductibles: Higher coverage limits generally result in higher premiums, while choosing a higher deductible can lower your insurance costs. However, this means you’ll pay more out-of-pocket in the event of a claim
• High-risk activities: If you plan to engage in activities deemed risky, such as skiing, mountain climbing, or other extreme sports, your insurance premium may increase due to the higher likelihood of injury. There are a few insurers, including TuGo, that provide coverage for these activities

How can I reduce the cost of my visitor insurance in Canada?

You can reduce the cost of your visitors’ insurance by choosing a higher deductible, purchasing insurance early, applying for group discounts, and more. Here are some practical tips that may help:

• Choose a higher deductible: Opting for a higher deductible can significantly reduce your premium. For example, a 30-year-old visitor choosing a $500 deductible with Secure Travel could save $20/month compared to a $100 deductible, though you’ll pay more out-of-pocket if a claim arises.
• Limit your coverage: If you don’t need comprehensive coverage, consider selecting a basic plan with lower coverage limits. This reduces the premium but still provides essential protection
• Compare the different insurers: Compare plan options offered by travel insurance companies in Canada and choose the one that fits your budget and coverage needs

Are there any discounts on visitor health insurance?

Many insurance providers in Canada offer discounts on visitor health insurance under certain conditions. These savings can depend on factors like your age, policy duration, deductible amount, health status, or whether you’re applying as part of a couple or family. For example, 21st Century offers a family discount for visitor medical insurance.

Some brokers may offer exclusive discounts when you compare multiple plans through their platforms. Paying upfront or opting for longer-term coverage can also lower your premium. To maximize savings, it’s best to work with licensed advisors who can help you choose the most cost-effective option.

Choosing the right deductible: Balancing cost and coverage

When selecting the cheapest travel insurance for visitors to Canada, choosing the right deductible is key to managing both premium costs and out-of-pocket expenses. A higher deductible lowers your premium but increases the amount you must pay before coverage kicks in.

Alternatively, a lower deductible results in higher premiums but reduces your financial burden if you need medical care. For short-term visitors in good health who are unlikely to require medical attention, a higher deductible can be a cost-effective option.

However, for older travellers or those with pre-existing conditions, a lower deductible may provide better financial protection by minimizing upfront costs in case of an emergency.

Is visitor insurance mandatory for entering Canada in 2026?

No, travel health insurance for visitors to Canada is not mandatory for all travellers entering Canada in 2026, but it is required for specific visa types. For instance, if you’re applying for a Super Visa, you must provide proof of private health insurance for your visa approval. The policy must typically offer at least $100,000 in emergency medical coverage and remain valid for up to one year.

For tourists and short-term visitors, purchasing travel medical insurance is not mandatory, although it is highly recommended. Medical care in Canada is expensive for non-residents, and even a simple hospital visit can cost thousands of dollars. By purchasing travel medical insurance, you protect yourself from financial risk and ensure you get access to proper medical care if an emergency arises during your stay.

How can I get the cheapest visitor health insurance quotes in Canada?

You can find the most affordable visitor health insurance quotes for your trip to Canada by comparing plans online, and with PolicyAdvisor, the process takes less than a minute. Our licensed experts help you access and compare quotes from the best visitor health insurance companies in Canada, including trusted names like TuGo, Secure Travel, Travelance, and more.

We don’t just stop at finding you the cheapest premium. Our advisors guide you through the entire application process. We also provide dedicated after-sales support for claims or policy changes in the future. With PolicyAdvisor, getting the right coverage is fast, easy, and reliable.

Frequently asked questions

Are there any hidden fees in cheap visitor insurance plans?

While cheap visitor insurance plans generally disclose all fees upfront, some plans might include hidden costs like higher deductibles, co-pays, or limited coverage that could lead to unexpected out-of-pocket expenses. Additionally, certain services or treatments may not be covered, resulting in additional costs.

How can I ensure my insurance will cover emergency medical services in Canada?

To ensure your insurance covers emergency medical services in Canada, choose a more comprehensive plan with a higher coverage amount and added benefits such as emergency medical care, hospitalization, ambulance services, accidental dental coverage, paramedical service coverage, emergency evacuation facility, and more.

Can I update my visitor insurance policy if my travel plans change?

Yes, you can usually update your visitor insurance policy if your travel plans change. Contact your insurance provider as soon as you know about the changes to adjust your coverage period or details. Be aware that changes may affect your premium or coverage terms, and there could be deadlines or additional fees.

What is the average cost of visitor health insurance?

The average cost of visitor health insurance can vary widely based on factors such as age, duration of stay, coverage limits, and health status. On average, for coverage of $100,000, a 50-year-old individual may pay $50 for a short-term stay of 14 days, $100 for a medium-term stay of 30 days, and about $150 for a long-term stay of 6 months.

Are there any discounts on visitor health insurance in Canada?

Yes, discounts on visitor health insurance in Canada are available, though they vary by insurer. Some companies offer discounts for purchasing extended coverage, paying premiums upfront, or insuring multiple family members under one policy. Additionally, certain providers may have special promotions or reduced rates for younger applicants or those in good health.

Can visitors to Canada buy health insurance?

Yes, visitors to Canada should buy health insurance to cover potential medical expenses during their stay. Canada’s health care is publicly funded for residents, but non-residents must pay for services, which can be costly.

What are the common limitations and exclusions in visitor insurance policies?

Visitor insurance policies in Canada typically exclude pre-existing medical conditions unless specifically covered, as well as routine check-ups, preventive care, maternity expenses, and mental health treatments.

Other common exclusions include injuries from high-risk activities (such as extreme sports), alcohol- or drug-related incidents, and non-emergency treatments. Some policies also impose waiting periods for certain benefits, meaning coverage may not be immediate.

How should I compare different visitor insurance policies?

When comparing visitor insurance policies, key factors to consider include coverage limits, deductibles, and the extent of emergency medical benefits. Look for policies that cover hospitalization, doctor visits, prescription drugs, and emergency medical evacuation.

Premium costs should be weighed against deductible options, as a lower premium may come with higher out-of-pocket expenses. Additionally, you must consider the insurer’s reputation, customer reviews, and claims process efficiency to ensure reliable support in case of an emergency.

Can I get a refund if I cancel my visitor health insurance?

Yes, you can cancel your visitor health insurance plan for Canada and receive a refund, though the terms differ between insurers.

Many providers offer full refunds if you cancel within the free-look period or before the policy takes effect. Once coverage has started, you may be eligible for a pro-rata refund for unused days, minus any applicable fees.

Can I pay monthly for my visitor insurance policy?

Yes, you can pay monthly for your visitor insurance policy through several trusted Canadian providers. Travelance, 21st Century, Secure Travel, and Destination Canada Group all offer convenient and affordable monthly payment options. These plans help visitors manage their finances better by spreading out premium payments instead of paying the full amount up front.

Monthly payments are especially useful for families, seniors, or long-term visitors who want coverage without a heavy one-time cost. Always confirm the terms, as monthly plans may involve service fees or minimum coverage durations.

What is considered a pre-existing condition?

Pre­-existing medical conditions refer to any illness, disease, symptom, or injury for which you have been prescribed medication, received treatment, or undergone surgery before the date your insurance went into effect. 

Health insurance for visitors to Canada typically limits coverage for pre-existing conditions. This means any related medical expenses might not be covered.

Many insurance companies may offer coverage for pre-existing conditions as long the applicant meets the criteria set by them. This may include the health condition’s stability status, a doctor’s permit, medication history, and more.

Can I get health insurance for visitors to Canada with pre-existing conditions?

Yes, you can get health insurance for visitors to Canada with pre-existing health conditions. Most insurance companies in Canada offer two policy variants: 

• Visitors’ insurance with pre-existing medical conditions
• Visitors’ insurance without pre-existing medical conditions

Some companies such as Allianz, GMS, Tugo, Blue Cross, and MSH International offer visitor medical insurance with an in-built pre-existing condition coverage.

The policy variant options ensure that young and healthy individuals can opt for visitor health insurance without pre-existing condition coverage, which has lower premiums compared to the policies covering pre-existing conditions. 

Importance of visitor insurance for pre-existing conditions

Visitor insurance is especially important for individuals with pre-existing medical conditions. Even a minor health issue can lead to significant financial stress while visiting Canada without the right coverage.

Risks of travelling without adequate coverage

• Out-of-pocket costs for emergency care can be extremely high

• Pre-existing conditions may be excluded from standard plans

• Hospitalization or medical treatment without coverage can impact visa status or travel plans

• Some provinces require proof of insurance for entry or stay extensions

Benefits of specialized insurance plans

• Tailored coverage for stable pre-existing conditions

• Access to emergency medical care without a financial burden

• Peace of mind for both visitors and their families

• Eligibility for refunds if travel is shortened or cancelled

What is a serious pre-existing condition?

A serious pre-existing condition is any illness, injury, or health issue that is chronic and lasts for years. Cancer, auto-immune diseases such as lupus, severe allergies, and conditions that require regular medicinal interventions, are all considered to be serious pre-existing conditions.

Serious pre-existing conditions can be life-threatening or those that require individuals to rely on external medicinal support such as insulin injections, stoma bags, etc.

How far back is a pre-existing condition?

Most visitor insurance companies have a look-back period for pre-existing conditions ranging from 90 days to 12 months prior to the policy start date. If you received treatment or were diagnosed with an illness during that period, it may be considered to be a pre-existing condition.

Most insurers have a stability period clause during which no change in medication or health condition should have occurred.

Are all health conditions covered in visitors’ health insurance coverage?

No, not all health conditions are covered by visitors to Canada health insurance. There are several exclusions and limitations that visitors may come across when looking to purchase visitor health insurance in Canada.

Insurance companies do not cover unstable pre-existing diseases. If there have been any changes to your health condition within a specific time (typically between 90 to 180 days) before the effective start date of your policy, you may not be covered.

It also does not cover any medical emergency wherein the insured individual has willingly ignored any previous medical treatment that may have resulted in the current complication.

What medical conditions do I need to disclose for buying visitor health insurance?

When applying for visitors’ insurance in Canada, you must disclose any pre-existing medical conditions, including chronic illnesses and any conditions you’ve been diagnosed with or treated for in the past. 

However, the specific conditions that must be disclosed depend on the insurer and the type of policy. Typically, insurers require disclosure of:

• Chronic conditions (e.g., diabetes, heart disease, asthma)
• Recent surgeries or hospitalizations
• Conditions requiring regular treatment or medication
• Any medical condition that has been diagnosed, treated, or required consultation in the past few years (usually 6 months to 2 years)

Full disclosure is crucial because failure to report these conditions accurately can lead to denied claims or canceled policies in the future.

What are the most common pre-existing conditions?

Some of the most pre-existing conditions are diabetes, heart issues, sleep apnea, high blood pressure, cancer, obesity, asthma, and stroke. Mental health conditions such as anxiety, depression, bipolar disorder, etc. are also common pre-existing conditions.

Is anxiety, pre-diabetes, and high blood pressure a pre-existing condition for visitors to Canada insurance?

Yes, anxiety, pre-diabetes, and high blood pressure are usually classified as pre-existing conditions when it comes to visitors’ insurance in Canada. These conditions, being chronic and ongoing, existed before your travel date or before the insurance policy kicks in.

However, insurance companies provide coverage for these conditions based on their stability period. If the conditions have been stable for a specified period of time before your insurance purchase, you may easily get coverage from your company.

Does pregnancy count as a pre-existing condition for visitors to Canada insurance?

Yes, pregnancy is typically considered a pre-existing condition for visitors to Canada insurance. Most travel insurance policies do not cover routine pregnancy care, childbirth, or complications related to pregnancy if the pregnancy was known before purchasing the policy.

This includes routine checkups, abortions, miscarriages, and premature birth. Routine checkups for the child born within the coverage period are also typically not covered.

Some insurers may offer limited coverage for unexpected complications up to 9 weeks before or after delivery at an additional price. 

Is arthritis considered a pre-existing condition?

Yes, arthritis is generally considered a pre-existing condition by most insurance providers if diagnosed before purchasing a policy.

Coverage for arthritis depends on whether the condition is stable, meaning it hasn’t worsened or required new treatment within a specified stability period which is often between 90 to 365 days. If it meets the stability criteria, some policies may cover it; otherwise, it may be excluded from coverage.

Does Allianz cover pre-existing conditions?

Allianz offers pre-existing condition coverage for individuals up to the age of 59 as long as their condition has been stable for a period of 90 days. For individuals aged between 60 to 89 years of age, the pre-existing condition has to be stable for a period of 180 days to receive coverage.

What are my options if my pre-existing condition is not stable?

If your pre-existing condition does not meet the stability criteria, you can look for specific additional riders or add-on options that offer coverage for unstable pre-existing conditions for an additional charge. Although these riders do not fall under the category of standard visitors to Canada insurance policy, companies like Tugo may offer these plans.

If you’re unable to get coverage for your pre-existing condition you may have to go forward with your visitors’ to Canada policy with the understanding that your unstable conditions or related illnesses will not be covered.

This may put a significant financial strain on you so it’s ideal to start saving up in advance and have an emergency fund handy before you depart.

What if pre-existing conditions are not declared?

If you don’t declare your pre-existing condition when purchasing visitors to Canada insurance, any claims related to that condition will likely be denied.

Non-disclosure is considered a breach of the insurance contract, which can lead to policy cancellation, leaving you without coverage for any medical expenses incurred during your stay. 

Additional tips for visitors with pre-existing conditions

If you’re visiting Canada with pre-existing conditions, here are some additional tips to help ensure your trip is safe and worry-free:

• Complete a physical examination: Schedule a check-up before your trip to assess the stability of your condition and get updated medical records for emergencies
• Carry all your medications: Bring enough medication for your trip, plus extra for delays, in original packaging along with a copy of your prescriptions
• Build an emergency fund: Set aside funds for unforeseen medical expenses not covered by insurance, especially if your condition requires unexpected care
• Keep your insurance provider informed: Update your insurance provider on any health changes before traveling to ensure your coverage remains valid

These tips will help you better manage your pre-existing conditions while enjoying your trip to Canada with greater confidence and security.

Get the most competitive quotes for visitor’s insurance covering pre-existing diseases

While you have all the information that you may need, purchasing the best visitors’ medical insurance can seem to be pretty daunting. You have to assess your needs, make a calculated assessment of your preferred coverage amount, apply for the policy, undergo the screening process, and more.

Schedule a call with one of our expert advisors and get the most competitive visitors’ health insurance rates to keep you financially secure while in Canada! 

What happens if my pre-existing condition gets worse while I’m in Canada?

If your pre-existing condition flares up while you’re in Canada, your insurance will typically cover related medical expenses if your policy specifically includes coverage for stable pre-existing conditions. 

Most policies require the condition to have been stable for a certain period before your trip. If the condition wasn’t stable before your trip or is excluded, you will need to pay out-of-pocket for any treatment or care received during your visit.

Are there any age restrictions for visitors’ insurance with pre-existing condition coverage?

Yes, there are often age restrictions for visitors’ insurance with pre-existing condition coverage. Many insurance providers limit coverage for pre-existing conditions to visitors under a certain age, typically between 69 and 79 years old, depending on the insurer. 

However, companies like TuGo, Secure Life, Manulife, etc provide coverage until 85 years of age. As age increases, the risk associated with pre-existing conditions also rises, leading insurers to impose stricter terms, higher premiums, or outright exclusions for older visitors. 

What should I do if my insurance claim is denied due to a pre-existing condition?

If your insurance claim is denied due to a pre-existing condition, first review the policy to check if your visitors’ health insurance plan had a pre-existing condition coverage. Contact your insurer for a detailed explanation and gather supporting documentation like medical records. 

If you believe the denial is incorrect, submit a formal appeal with additional evidence. Consider consulting an insurance specialist or lawyer in special cases of unlawful denial.

I am in good health. Do I need to buy coverage with pre-existing conditions?

No, if you are in good health and have no medical conditions that require ongoing treatment, you may not need to buy coverage specifically for pre-existing conditions. However, it’s important to evaluate your health history and potential risks. 

If you have had past health issues, consider purchasing a plan that includes pre-existing condition coverage for added peace of mind.

Should you buy visitor insurance for your parents even if they are healthy?

Yes, you should consider buying visitor insurance for your parents even if they are healthy. Unexpected medical emergencies can happen at any time, and healthcare costs in Canada can be very high for non-residents.

Visitor insurance helps to avoid significant out-of-pocket expenses and ensures that your parents receive necessary medical care if needed.

Factors affecting the cost of health insurance for foreign workers in Canada

The cost of temporary foreign worker medical insurance depends on various factors. These include age, coverage duration, deductible amount, and pre-existing conditions. 

• Age: The cost of health insurance usually increases with age due to increased health risks. So if you are older, you will pay a higher premium than a young person
• Coverage scope: Higher coverage, including emergency medical expenses such as doctor’s visits, hospitalization, and ambulance services, will increase your premium costs
• Duration of stay: The longer you stay, the higher the total cost of the plan will be. Opting for monthly payments will make it easy on your budget
• Deductible amount: Opting for lower deductibles reduces your out-of-pocket expenses at the time of claim, but may lead to higher premiums
• Pre-existing conditions: Getting a plan that offers coverage for pre-existing conditions may also impact your policy premium

How much does health insurance cost for foreign workers in Canada?

For a typical $100,000 coverage in Canada for a month, the average cost of extended health coverage in Canada ranges from $50 to $400, depending on the above-mentioned factors.

For instance, younger applicants who are under 30 years may pay $50 and $100 monthly, while those aged 70 years and older may need to pay between $200 and $400 per month.

Average coverage and premiums for different age groups

When to apply for extended health insurance for foreign workers in Canada?

Foreign workers or holiday visa holders must apply for visitor medical insurance before they arrive in Canada. Since provincial health insurance in Canada has a waiting period, private health coverage will fill the gap and cover you from unexpected medical expenses.

If you buy visitor health insurance in Canada after arrival, expect a waiting period of 48 hours to 7 days before your coverage starts. During this time, you will remain uninsured. So, it’s better to apply before you start your journey. 

Documents required for health insurance for foreign workers

Make sure to keep these documents handy while applying for extended health insurance in Canada:

• Completed insurance application form
• Work permit or employment proof
• Passport identification page
• Canadian contact address
• Employer information
• Arrival date in Canada

Medical questionnaires and health declarations

• Most insurance providers will require you to complete a medical questionnaire or health declaration while applying
• Make sure to declare your pre-existing condition if you have any. Certain insurers have some exclusions when it comes to pre-existing conditions, so make sure you do a full disclosure
• Some insurers may also have additional requirements or age restrictions for older applicants

Renewal options for extended stays

• If your stay in Canada is extended, make sure to renew your health policy before the expiry of the original policy
• The documents required for renewal typically include proof of continued employment

Key tips for foreign workers & holiday visa holders

Here are some essential tips for foreign workers and holiday visa holders travelling to Canada:

• Apply for provincial health care as soon as possible if you are eligible.
• Don’t go uninsured during the waiting period, as medical expenses can be very high
• Ask about group insurance if you are working for a Canadian employer. Group health insurance can cover you before your provincial coverage starts
• Review policy exclusions carefully. If you have a pre-existing condition, check whether your policy covers that or not. Also, check any exclusions around that medical condition
• Keep all insurance documents and medical receipts handy for claims
• Choose coverage based on the duration of your stay, and also look for family coverage if you are bringing them along
• If you are still confused about plans and coverage, connect with a licensed advisor at PolicyAdvisor and get all your health insurance-related queries solved instantly!

How to choose the right Canadian health insurance for non-residents?

Choosing the best health insurance for foreign workers in Canada starts by considering your health needs, the length of your stay, pre-existing conditions, if any, family coverage options, and provider network restrictions.

• Assess your health needs: Look after your health history and any ongoing medical needs. If you suffer from a chronic condition and need prescription medications regularly, or require paramedical services, look for a plan that offers coverage for such needs

• Coverage duration considerations: Decide the duration of your coverage. If you are in Canada for a short period, a short-term plan would suffice. However, for longer stays, choose a plan that can be renewed monthly or annually

• Pre-existing medical conditions: Also, check if the plan covers your pre-existing condition (if any) and under what terms. Several insurers offer plans that cover stable pre-existing conditions, so make sure to go through the policy wordings

• Family coverage options: If you are travelling with your family, look for family or dependent coverage plans to get cost-effective coverage for your family
• Network restrictions: Some insurers have a preferred network of hospitals and clinics, which can make claims easier. So, make sure to review the insurer’s network beforehand

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Can I get extended health insurance with a work permit in Canada?

Yes, you can get visitor medical insurance in Canada with a work permit. Most provinces allow work permit holders to apply for provincial coverage if their permit is valid for at least six months and they meet resident eligibility requirements.

Do foreign workers need private health insurance in Canada?

Yes, foreign workers in Canada may need extended health coverage because provincial health plans often have a three-month waiting period, such as in Ontario and British Columbia. During this time, medical expenses must be paid out-of-pocket. To ensure coverage from day one, foreign workers and holiday visa holders can purchase private health insurance, which covers hospital stays, prescription drugs, and emergency care.

Can I get OHIP on a working holiday visa?

Yes, you can get an Ontario health insurance plan on a working holiday visa if you meet these criteria:

• Hold a valid work permit under the IEC program
• Work full-time for an Ontario employer for 6+ months

If you aren’t eligible for these, you can get private health insurance for emergency coverage.

Do work permit holders get free healthcare in Canada?

Yes, work permit holders can get free healthcare in Canada after applying for the Canadian provincial health insurance. However, you will have to go through a waiting period, mostly of 3 months in certain provinces, to get free healthcare in Canada.

What is the waiting period for health insurance in Canada for foreign workers? 

Provinces like Ontario, Quebec, and British Columbia have a 3-month waiting period before the provincial health coverage starts. Alberta, Manitoba, Nova Scotia, Prince Edward Island, and Newfoundland and Labrador have no waiting period, so you can get coverage from day 1 of your arrival.

However, if you purchase an extended or private health insurance soon after arrival, you will have to wait for 48 hours to 7 days before the benefits start. To avoid any waiting period, you can apply for private coverage before arrival.

Are pre-existing conditions covered under health insurance for temporary workers in Canada?

Pre-existing conditions are only covered under health insurance for foreign workers in Canada if they have been stable for 90-180 days before the coverage starts. Any unstable medical condition is not covered at all. Thus, always check your policy wordings for pre-existing conditions before purchasing.

Are prescriptions covered under extended health insurance?

Yes, prescription medications are generally covered under visitor health insurance in Canada, but the cost of coverage depends on your health insurance plan. So, always review your policy details such as coverage limits, exclusions, and co-pays. You can also do so by comparing extended health plans from 30+ insurers on PolicyAdvisor or by connecting with one of our experienced advisors.

Can IEC visa holders get private health insurance in Canada?

Yes, IEC visa holders can get private health insurance in Canada to get coverage for medical expenses that provincial plans might not cover or cover after the waiting period. These extended health insurance plans cover emergency medical care, prescription drugs, and more, filling gaps during provincial health plan waiting periods.