What is Super Visa insurance in Canada?

Super Visa insurance is a mandatory travel medical insurance policy required by the Canadian government for parents and grandparents of Canadian citizens or permanent residents who are applying for a Super Visa. Super Visa allows eligible family members to stay in Canada for up to five years at a time without the need to renew their status. 

The goal of Super Visa insurance is to cover the high cost of emergency healthcare services in Canada that are not publicly funded for non-residents. To meet IRCC’s requirements and qualify for a Super Visa, the emergency medical insurance plan must meet the following criteria:

Key features of Super Visa insurance in Canada include:

• Minimum $100,000 in coverage for healthcare, hospitalization, and repatriation
• Valid for at least one year from the date of entry into Canada
• Covers emergency medical care, including physician visits, surgeries, ambulance services, and prescription drugs
• Provides coverage for repatriation (returning the insured to their home country in case of serious illness or death)
• Option to cover pre-existing conditions, provided they are stable for a certain period (typically 90–180 days)
• The Super Visa insurance plan must be purchased and paid in full (some providers offer monthly payment plans but require proof of full commitment)
• A policy confirmation letter must be submitted as part of the Super Visa application

Which are the best Super Visa insurance companies in Canada?

Canada offers several reputable Super Visa insurance providers, such as Manulife, GMS, TuGo, Secure Travel, and more. Based on cost, coverage flexibility, pre-existing condition support, and customer experience, here are the top Super Visa insurance companies in Canada for 2025.

• GMS (Group Medical Services): Best for competitive pricing
• TuGo: Best for customizable riders
• Manulife: Best for value-added services
• 21st Century: Best for healthy travellers
• Secure Travel (RIMI): Best for senior travellers
• Destination Canada: Best for comprehensive coverage
• Allianz: Best for frequent travellers

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

If your Super Visa is denied, most Super Visa insurance providers in Canada 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.

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. 

How does the cost of visitor health insurance compare between different provinces in Canada?

The cost of visitor health insurance in Canada varies by province due to differences in medical fees and regulations. For instance, ambulance transfers range from $240 in Ontario to $1,099 in Nova Scotia, while average daily hospital rates for non-residents can be $3,000 to $4,000 across provinces. Monthly insurance premiums typically range from $50 to $400, depending on the traveller’s age, length of stay, and coverage level, with younger visitors paying less and those over 70 paying more.

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 healthcare during their stay and ensures that they receive necessary medical attention without becoming a financial burden on their Canadian host.

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
• 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

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

Several key factors affect how much you’ll pay for Super Visa insurance 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 Super Visa insurance 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
• Coverage duration: Extending coverage beyond 365 days or buying multi-year policies pushes up the total cost
• Payment method: Paying monthly may help with cash flow, but it ends up costing more than paying the full amount upfront
• Add-on benefits: Plans that include extra benefits like dental care or prescription drugs coverage increase the base premium

Which are the cheapest Super Visa insurance options in Canada?

Finding the cheapest Super Visa insurance in Canada depends on the visitor’s age, health condition, duration of stay, and budget. In 2025, the most affordable Super Visa insurance providers include RIMI (Secure Travel), 21st Century, GMS, Destination Canada, Tugo, and Manulife.

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

Do Super Visa insurance premiums increase every year?

Yes, Super Visa insurance premiums typically increase with each passing year, 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. 

If you are looking to save money, compare new quotes each year, and consider adjusting deductibles or coverage amounts. Locking in a multi-year plan early may help avoid steep annual hikes.

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.

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 ever before, the demand for the cheapest visitor insurance is surging. According to a report by NMSC, Canada’s travel insurance market is growing fast, from $542.9 million in 2023 to a projected $1.1 billion by 2030. 

The cheapest visitor insurance options for non-residents in Canada 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 a visitor to Canada health insurance?

Visitor to Canada health insurance is a type of travel medical insurance that protects international visitors from unexpected medical costs while they’re in Canada. The Canadian provincial insurance doesn’t cover healthcare for tourists, Super Visa holders, or temporary visitors. This means, 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 traveling to Canada, offering coverage for most 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  want, ranging from $10,000 to $100,000 or more, depending on their needs and visa requirements
• May offer coverage for pre-existing conditions: Some visitor insurance plans cover pre-existing conditions that has been stable for a period of 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 recognised 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 trip interruption, accidental death, or prescription drug coverage to some policies, depending on the provider

What factors affect the cost of your visitors’ 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
• The duration of your visit: 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
• Province-based coverage: Healthcare costs can vary by province in Canada. Insurance premiums may be higher if you’re visiting provinces with more expensive healthcare systems, like Ontario or British Columbia
• 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

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

If you’re looking for the most affordable visitor health insurance in Canada, Secure Travel consistently ranks as the cheapest option for many travellers. It offers dependable emergency coverage at a fraction of the cost compared to other providers, which is ideal for short-term visitors in good health.

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 $300,000

• Coverage for hospitalization, physician fees, and diagnostic services

• Direct billing with participating healthcare 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:

• 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

Considerations:

• Maximum coverage limits are lower than some premium plans

• Limited non-medical benefits (e.g., no trip cancellation or baggage coverage)

• Pre-existing condition coverage is limited and subject to a stability requirement

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 typically ranges from $85 to $400, depending on the visitor’s age, medical history, and deductible selection.

Key features of Travelance:

• Emergency medical coverage up to $300,000

• Specialized plans for seniors aged 70 to 89

• Optional coverage for stable pre-existing conditions

• 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 it:

• 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

Considerations:

• Pre-existing condition coverage requires a stability period and varies by age

• Some plans may have reduced benefits for travellers over 85

• Non-medical benefits (e.g., trip interruption) are not included by default

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 $300,000

• Coverage for stable pre-existing conditions (typically 90 to 180 days of stability required)

• 24/7 emergency assistance and multilingual support

• Direct billing with many Canadian healthcare providers

Why PolicyAdvisor recommends it:

• 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 need

Considerations:

• Stability period requirements vary by age and condition

• Premiums can increase significantly for older applicants with multiple health issues

• Does not automatically include coverage for non-emergency or trip-related benefits

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, depending on the visitor’s age, health condition, and selected deductible.

Key features of Destination Canada:

• Emergency medical coverage available from $50,000 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 travel interruption

• Coverage is available for certain stable pre-existing conditions

Why PolicyAdvisor recommends it:

• 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

Considerations:

• Monthly payments may be subject to additional administration fees

• Not all coverage options are available on monthly terms

• Pre-existing condition coverage depends on age and stability period requirements

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

Affordable 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 $500,000

• 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 it:

• 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

Considerations:

• Higher deductibles mean greater out-of-pocket expenses before coverage begins

• Limited non-medical benefits unless purchased as add-ons

• Stability period required for pre-existing condition coverage eligibility

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 $300,000 or more

• Long-term policies available for up to 730 days (2 years)

• Optional benefits including repatriation, trip interruption, and accidental death

• Stable pre-existing condition coverage available with defined stability periods

• Monthly rates decrease for longer coverage durations

Why PolicyAdvisor recommends it:

• 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

Considerations:

• Coverage limits are lower than some premium-priced plans

• Pre-existing condition coverage is subject to age and medical stability requirements

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

How much does Canadian visitors’ insurance cost?

Visitors’ health insurance in Canada costs between $70 to $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

How can I reduce the cost of my visitors’ insurance?

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
• Consider shorter coverage periods: If your visit to Canada is flexible, opting for a shorter coverage period can reduce your premium

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.

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 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 upfront.

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.

Choosing the right deductible: Balancing cost and coverage

When selecting visitor insurance for 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 travelers or those with pre-existing conditions, a lower deductible may provide better financial protection by minimizing upfront costs in case of an emergency.

Does the cheapest visitor insurance in Canada cover pre-existing conditions?

No, all insurance companies do not offer affordable visitor insurance with pre-existing condition coverage. Most of the cheapest visitor insurance plans in Canada either exclude pre-existing conditions or only cover them under strict conditions. 

Many low-cost visitor medical insurance plans only cover stable pre-existing conditions, meaning the condition hasn’t changed in symptoms, medication, or treatment within a specific period (usually 90 to 180 days) before the policy starts.

Some of the visitor insurance plans may not cover pre-existing conditions if you’re over 70. Even if the plan covers pre-existing conditions, insurers often cap the maximum payout, usually lower than the overall policy limit. For example, a $100,000 policy might offer only $25,000 for pre-existing medical issues.

Is visitor insurance mandatory for entering Canada in 2025?

No, visitor insurance is not mandatory for all travellers entering Canada in 2025, 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 emergency 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.

If I choose a cheaper visitor insurance policy, will it affect my coverage?

Yes, choosing a cheaper visitor insurance policy can affect your coverage. Low-cost policies typically offer reduced benefits, such as lower coverage limits, higher deductibles, or fewer covered services as compared to high-cost policies that offer comprehensive features.

For example, a cheaper policy might not cover pre-existing conditions, emergency medical evacuation, or certain high-cost treatments or surgeries even if you need them on an emergency basis.

However, if you are a young and healthy individual with no history of pre-existing illnesses, cheaper policies can truly help you save quite a lot of money upfront.  For older individuals, it is better to opt for mid-range or high-cost plans with well-rounded coverage for their comprehensive needs.

How to 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 over 30 best visitor health insurance companies in Canada, including trusted names like Manulife, Allianz, 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 a coverage amount of $100,000, a 50-year-old individual may have to pay $50 for a short-term stay of 14 days, $100 for a medium-term stay of 30 days, and around $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 can and should buy health insurance to cover potential medical expenses during their stay. Canada’s healthcare 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.

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.

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!

Who needs visitors to Canada insurance? 

Visitors to Canada insurance is highly recommended for parents and grandparents, tourists, students, foreign workers, and new immigrants.

• Parents and grandparents visiting on a Super Visa (mandatory): Super Visa holders are required by the Government to have health insurance coverage for at least one year, which is essential to cover medical emergencies during their stay in Canada
• Tourists and temporary visitors: If you’re visiting Canada, having coverage for unexpected medical emergencies is crucial
• International students: Students from abroad may need additional insurance to supplement what their school offers
• Temporary foreign workers: Those working in Canada on temporary permits who might not be eligible for provincial health insurance should consider this coverage
• New immigrants: New immigrants waiting for their provincial health insurance to take effect can benefit greatly from visitors to Canada insurance

What does visitors to Canada insurance cover?

While coverage varies by policy, visitors to Canada insurance generally includes medical and non-medical travel emergencies such as:

• Unexpected medical expenses
• Emergency hospitalization
• Prescription medications
• Emergency dental care
• Ambulance services
• Trip cancellation and interruption
• Coverage for lost or stolen luggage
• Roadside assistance services

Is insurance required for visitor visa?

Yes, visitor health insurance is required for Super Visa which allows parents and grandparents of Canadian citizens to visit Canada for extended periods. For other visa types, temporary resident visa insurance is not mandatory but highly recommended. Healthcare in Canada is expensive and a visitor medical insurance policy will help you save on the exorbitant costs in case of a medical emergency.

Types of visitor visas in Canada

In Canada, visitor visas for long-term stays are primarily classified under Temporary Resident Visas (TRVs). The Immigration, Refugees and Citizenship Canada (IRCC) offers several options including single-entry visas, multiple-entry visas, and the specialized Super Visa for extended family visits.

Temporary Resident Visa (TRV)

A TRV is an official document that grants foreign nationals permission to enter Canada temporarily for purposes such as tourism, visiting family or friends, or attending events. TRVs are generally issued in two forms, single-entry visas and multiple-entry visas.

Single-entry visa: A single-entry visa allows you to enter Canada only once. If you leave Canada, you will need to apply for a new visa to return, except for trips to the U.S. or St. Pierre et Miquelon. 

Typically, holders can stay for up to six months, with the exact duration determined by a Canadian Border Services Agency (CBSA) officer upon arrival. This visa is suitable for individuals making a one-time visit or attending a specific event.

Multiple-entry visa: A multiple-entry visa permits multiple entries to and exits from Canada during its validity period. This is the standard type of TRV unless a single-entry visa is specifically required.

You can stay for up to six months per visit, and the visa may remain valid for up to 10 years or until your passport expires, whichever occurs first. This is ideal for those who plan to travel frequently to Canada for different reasons.

Super Visa

The Super Visa is designed specifically for parents and grandparents of Canadian citizens and permanent residents, offering an extended stay period.

Duration of Stay: Unlike the standard visitor visa, the Super Visa allows for extended stays of up to two years per visit without the need to renew status. The visa itself is valid for up to 10 years, making it a long-term solution for parents and grandparents who wish to visit Canada frequently.

Application process/eligibility: To qualify for a Super Visa, applicants are mandatorily required to have private medical insurance from a Canadian insurance company. The policy must be valid for at least one year from the date of entry and cover health care, hospitalization, and repatriation, with a minimum coverage of $100,000.

• Relationship: The applicant must be the parent or grandparent of a Canadian citizen or permanent resident
• Invitation letter: An invitation letter from the child or grandchild residing in Canada is required. This letter must outline the details of the visit and include a promise of financial support during the applicant’s stay
• Financial requirements: The host in Canada must meet a minimum income threshold, known as the Low-Income Cut-Off (LICO), to prove they can support the visiting relative
• Medical insurance: Applicants must have private medical insurance from a Canadian insurance company. The policy must be valid for at least one year from the date of entry and cover health care, hospitalization, and repatriation, with a minimum coverage of $100,000
• Processing time: Processing times for the Super Visa can vary, but it generally takes several months. Applicants may also be required to undergo a medical examination as part of the process

How to extend your visitor visa in Canada?

If you need to extend your visitor visa in Canada beyond your initial authorized stay, you must apply at least 30 days before your current status expires. The visitor visa extension process requires demonstrating continued financial support and valid reasons for extending your long-term stay in Canada.

Applications for visitor visa extensions must be submitted to IRCC with supporting documentation. Common reasons for visitor visa extension include:

• Ongoing medical treatment requiring extended stay
• Family emergencies necessitating longer visits
• Delayed travel plans due to unforeseen circumstances
• Waiting for permanent residence applications to be processed

How long can a person stay in Canada on a visitor’s visa?

Most visitors can stay in Canada for up to six months or till your passport expires, whichever comes earlier. Super Visa holders can stay for two to five years per entry.

General visa holders who would like an extension on their stay should apply at least 30 days in advance.

What is the fee for Canada visitor visa?

The standard application fee for single and multiple-entry visas is $100 for each applicant. An additional fee of $85 is charged if biometric data is required and $170 for families who apply together.

The application fee covers the visa processing regardless of whether it is approved or not.

What is the application process for a visitor visa?

To apply for a visitor visa, start by assessing your eligibility based on your nationality and the purpose of your visit. Once confirmed, gather the necessary documents, such as a valid passport, proof of funds, and a letter of invitation if applicable. 

Complete the application form, either online or on paper, and pay the required application fee. Finally, submit your application along with your biometrics, if requested.

How do I know if I’m eligible for a visitor visa?

To be eligible for a visitor visa, applicants must demonstrate that they have a valid reason for visiting, intend to leave Canada at the end of their stay, prove that they have no intention of working or studying in Canada (unless authorized), have sufficient financial resources, and be in good health. 

Additionally, a clean criminal record and proof of ties to their home country are often required.

Is there a processing fee for visitor visa?

The standard processing fee is $100, but additional costs may apply for biometrics and other services. If you’re applying for additional family members  the processing fee for each member is $100.

Planning your long-term stay in Canada: Next steps

Securing a visitor visa for a long-term stay in Canada requires careful planning and proper documentation. Whether you’re applying for a temporary resident visa, Super Visa, or need to extend your current visitor status, understanding the requirements and having adequate insurance coverage is essential.

Remember these key points:

• Apply for your temporary resident visa well in advance of your planned travel
  
• Ensure you have adequate visitor insurance coverage, especially for Super Visa applications
  
• Prepare all required documentation including financial proof and invitation letters
  
• Consider visa extension options if your plans change during your stay
  

For personalized advice on visitor visa applications and insurance requirements, contact our licensed insurance experts, who can guide you through the process and ensure your long-term stay in Canada is properly protected.

Looking for the best visitor insurance plan? Speak to our expert advisors!

If you’re looking for visitors insurance to Canada and not sure where to start, contact us now! Our team of expert insurance advisors would be happy to go over the unique needs of your trip and give you personalized advice for the kind of policy that would be best for you. Schedule a call or start comparing customized quotes right away by clicking the button below.

Is visitor to Canada insurance mandatory?

Yes, for visitors coming to Canada on a Super Visa, medical insurance is mandatory. This is required to cover health care expenses during their extended stay.

However, for other types of visitors—such as tourists, temporary visitors, international students, temporary foreign workers, and new immigrants—visitor insurance is not mandatory, but is highly recommended to protect against unexpected medical emergencies.

What coverage amount is recommended?

A minimum coverage of $100,000 is advisable due to the high cost of medical care in Canada. Opting for a higher limit can provide extra peace of mind.

Are pre-existing conditions covered?

Coverage for pre-existing conditions varies by policy. Some plans may cover emergencies related to pre-existing conditions if they have been stable for a specified period, typically 180 days, before purchasing the insurance.

Do you need insurance for a visitor’s visa?

While insurance is not required to apply for a visitor visa (Temporary Resident Visa) to Canada, it is strongly recommended. The exception is for super visa applicants, such as parents and grandparents of Canadian citizens or permanent residents, where proof of valid medical insurance is mandatory. This insurance must be from a Canadian provider, cover at least $100,000 in medical expenses, and remain valid for at least one year from the date of entry.

Can I get a refund after cancelling a visitor health plan?

Yes, visitor insurance for Canada can be refunded under specific conditions. If you cancel before coverage begins, you usually qualify for a full refund. Many insurers also offer a 10-day free-look period, allowing full refunds within that time. After this period, refunds may be issued if your trip is cancelled, your visa is denied, or if you become ineligible. However, no refunds are provided if a claim has been made on the policy.

Can I extend my visitor insurance coverage while staying in Canada?

Yes, you can extend your visitor insurance coverage while in Canada, but you must apply before your current policy expires. Extensions are typically subject to approval based on your health status, and some insurers may require you to provide proof of good health. If you’ve made a claim or your health condition has changed, your eligibility for an extension could be affected.

How long does it typically take to get a decision on a visitor insurance claim?

The processing time for a visitor insurance claim varies based on the insurer, the complexity of the claim, and the completeness of the submitted documents. Simple claims, such as those for minor medical expenses, can be processed in as little as 7 to 14 days. 

However, more complex cases, such as trip cancellations or emergency medical evacuations, may take 30 to 60 days or longer. If additional information is required, the process may be delayed further.  

Are there any specific documents that are often overlooked when filing a visitor insurance claim?

Yes, policyholders often forget to include a doctor’s or physician’s statement when filing a visitor medical claim in Canada. This document is essential as it provides details on the diagnosis and treatment received, helping insurers process the claim efficiently.

For trip-related claims, they may also fail to submit proof such as an airline cancellation notice, a hospital admission report, or a family member’s death certificate, which can lead to delays or denials.

Which companies offer visitor medical insurance in Canada? 

The best visitor insurance company depends on your unique needs, including coverage limits, pre-existing condition coverage, policy duration, and budget. Several insurance companies in Canada offer visitor medical insurance with different benefits to suit various needs.

Here are some of the best visitor insurance providers in Canada:

• Allianz – Best for international students
• Manulife – Best for comprehensive coverage
• TuGo – Best for pre-existing medical conditions
• 21st Century – Best for companion discounts
• Blue Cross – Best for medical coverage
• Destination Canada – Best for Super Visa insurance

Need help filing your visitor insurance claim? Our experts are here to guide you!

Filing a visitor insurance claim can be overwhelming, but you don’t have to do it alone. Our dedicated team of advisors specializes in visitor insurance and provides step-by-step guidance to ensure a smooth claims process.

• We work with 30+ top visitor insurance providers in Canada, ensuring you have access to the best options
• Our expert advisors specialize in visitor insurance, helping you file claims efficiently and avoid common pitfalls
• AI-powered advisor support tailors recommendations based on your concerns, ensuring you get personalized assistance
• Smart scheduling matches you with the right advisor based on expertise and availability for fast, accurate support
• No-obligation consultations let you ask questions and get clear guidance without any pressure

Get expert help today—schedule a free call and let PolicyAdvisor simplify your visitor insurance claim process!

What should I do if my claim is denied?

If your claim is denied, the first step is to carefully review the Explanation of Benefits (EOB) provided by your insurer. This document outlines the reason for the denial, such as missing information, policy exclusions, or expenses exceeding coverage limits.

If you believe the denial is incorrect, you can file an appeal by providing additional documentation, such as medical records, payment receipts, or clarification letters from service providers. 

You must follow the insurer’s appeal process and meet any deadlines for reconsideration. If your appeal is unsuccessful, you can escalate the issue by filing a complaint with your local insurance regulatory authority.

Can I file a claim for expenses I paid upfront?

Yes, you can file a claim for expenses you paid out of pocket, as long as they fall within the coverage limits of your policy. Most visitor insurance policies operate on a reimbursement basis, meaning you must submit receipts, invoices, and proof of payment to receive compensation. It’s essential to file the claim as soon as possible after incurring the expense and ensure you include all required documentation to avoid delays in processing.

How can I check the status of my claim online?

Most insurance providers offer online claim tracking portals where you can check the status of your claim. To access this service, visit the insurer’s website and log in to your account using your policy number or claim reference number. 

Some insurers also provide email or SMS updates regarding claim progress. If you cannot find online tracking options, we recommend that you contact customer service for a status update.