Travel insurance is an important part of staying protected on any trip, and people visiting Canada have a lot of choice! When deciding what kind of travel plan you need, it can be tricky to know where to start. Which Canadian provider is reliable? Who has the best rates? Who has the most choice? How’s someone who’s never been to Canada supposed to know?

Worry not! Your trusty friends at PolicyAdvisor are experts in travel insurance and we put together a list of the 10 Best Travel Insurance For Visitors to Canada just for you! We rank the top choices, list the pros and cons of each, and provide some useful product information to help you choose the plan that would best cover you and your family.

Choosing the right visitor insurance company

Choosing the right visitor insurance company involves more than just comparing prices; it’s about finding a policy that offers the right balance of coverage, reliability, and affordability.

Considering protection for medical emergencies, pre-existing conditions, or trip interruptions, evaluating providers based on their benefits, claim process, and customer reviews can help you make an informed decision.

Understanding policy exclusions and coverage limits also ensures you get the protection you need for a worry-free stay in Canada.

Detailed ratings and reviews of the top visitors insurance companies in Canada

Best for comprehensive coverage: Manulife

Company Overview: With Manulife, you can get travel medical insurance as a standalone policy or as part of a package with trip interruption protection. They’re one of the only Canadian insurance companies that lets visitors do this. You can also use their travel insurance for your Super Visa. Plus, all of their plans cover things like stable pre-existing health conditions, side trips, travel accidents, and more.

There’s a reason why Manulife usually gets high ratings from us. They’re one of Canada’s oldest and biggest insurance companies, and they have really good insurance plans to fit people’s needs!

PolicyAdvisor rating: ★★★★★ (5/5)

Key features of Manulife:

• Product name: Emergency Medical Plan for Visitors to Canada
• Types of coverage: Emergency medical + Super Visa + optional trip interruption
• Maximum amount of coverage: $150,000
• Age range: 30 days to 85 years
• Pre-existing conditions covered: Yes, if stable
• Deductible Range: $0 – $5,000
• Free look: Yes, 10-day
• Family plans: Yes

Why PolicyAdvisor recommends:

• Comprehensive coverage: Covers emergency medical expenses, including stable pre-existing conditions
• Travel accident coverage: Includes travel accident coverage with benefits up to $50,000 for accidental death or serious injury
• Refund options available: Get a full refund if your plans change or are canceled before the policy start date
• Trip coverage: Covers side trips up to 30 days and allows trip breaks with coverage suspension during time outside Canada
• Automatic plan extension: Automatically extends Visitors to Canada insurance coverage beyond the scheduled return date in emergencies
• Additional benefits:  24/7 emergency assistance offered by the insurance provider
• Digital e-policy: Through this feature, you can receive digital VTC policy documents quickly

Things to consider:

• No dedicated coverage: No dedicated coverage for international students
• Adventure sports not included: Does not cover adventure or extreme sports such as skydiving, bungee jumping, mountain climbing, etc.

Best for pre-existing conditions: Tugo

Company Overview: If you’re coming to Canada and you already have a pre-existing health condition, we strongly suggest that you get an insurance plan with Tugo. A pre-existing medical condition is a health issue that you already had before you got travel insurance. It refers to things like cancer, heart conditions, high blood pressure, obesity, and others. 

Tugo offers additional travel plans for visitors that can cover unstable pre-existing conditions as well. This is an extremely rare insurance option for visitors to Canada. The insurer also offers coverage for trip cancellation, flight delays, side trips, etc..

PolicyAdvisor rating: ★★★★★ (5/5)

Key features of Tugo:

• Product name: Visitors to Canada Emergency Medical Insurance, Visitors to Canada Trip Cancellation & Trip Interruption Insurance, Visitors to Canada Trip Interruption Insurance
• Types of coverage: Emergency medical + Super Visa + trip cancellation/interruption + trip interruption + optional sports & adventure activities, accidental death & dismemberment, and unstable pre-existing conditions
• Maximum amount of coverage: $500,000 or $2,000,000 for international students
• Age range: 15 days to 90+ years
• Pre-existing conditions covered: Yes + optional coverage for unstable conditions
• Deductibles: $0 – $10,000
• Free look: Yes, 10-day
• Family plans: Yes

Why PolicyAdvisor recommends: 

• Multiple coverage options: Choose from several non-medical coverage options 
• Comprehensive coverage: Covers stable & unstable pre-existing conditions
• Side trips covered: Include trip cancellation and interruption insurance, and coverage for side trips
• Trip breaks covered: Covers trip breaks if they are due to a covered reason
• Automatic plan extension: Plan coverage can automatically extend in case of emergencies or travel delays
• Digital wallet & e-claims: Unique digital wallet to access policy and an online platform for claims submission and tracking.
• MyFlyt service: Offers instant lounge access or cash payout for flight delays of 2+ hours

Things to consider:

• Extra Cost: May have to pay additional cost for travel accident coverage

Best for international students: Allianz Global Assistance

Company Overview: Allianz travel insurance is a great choice for international students in Canada who wish to get their own travel medical insurance policy to cover anything their school’s health plan doesn’t cover. 

The insurer offers up to $5 million for medical emergencies. Their plans include multiple features like emergency medical transportation, baggage cover, trip cancellation and interruption benefits, making it well-suited for students traveling to Canada.

PolicyAdvisor rating: ★★★★★ (5/5)

Key features of Allianz Global Assistance:

• Product name: Visitors to Canada Plan, International Students to Canada Travel Insurance
• Types of coverage: Emergency medical + Super Visa
• Maximum amount of coverage: $100,000 or $5,000,000 (international students)
• Age range: 15 days to 84 years
• Pre-existing conditions covered: Limited; up to age 59 only, if stable
• Deductibles: $0
• Free look: Yes, 10-day
• Family plans: No

Why PolicyAdvisor recommends:

• Trip Protection: Can cover side trips, trip interruptions, cancellations as well as trip breaks
• Medical Assistance: Offers emergency medical benefits
• Travel accident coverage: Covers accidental injuries arising during the covered trip.
• 24/7 emergency assistance: Availability of 24-hour assistance team to handle travel emergencies. 

Things to consider:

• Costly: VTC plans can be expensive
• Limited deductible: Offers limited but flexible deductible options
• Limited coverage: Offers limited coverage for pre-existing conditions as well as non-medical coverage options
• No adventure sports: Adventure sports not included
• No emergency extension: No automatic extension in emergencies 

Best for Super Visa: Group Medical Services (GMS)

Company Overview: GMS is our top recommendation for people who are travelling to Canada on a Super Visa. The insurer’s plans meet the requirements of the program, and it has well-rounded coverage options.

Their Immigrants & Visitors to Canada Insurance covers stable pre-existing conditions and has excellent coverage for seniors. It also has a fair range of deductible options and decent coverage amounts if you need something a bit more than the $100,000 limit. 

PolicyAdvisor rating: ★★★★ (4/5)

Key features of Group Medical Services:

• Product name: Immigrants & Visitors to Canada Insurance
• Types of coverage: Emergency medical + Super Visa
• Maximum amount of coverage: $150,000
• Age range: 0 to 80 years
• Pre-existing conditions covered: Yes, if stable
• Deductibles: $0 – $1,000
• Free look: Yes, 10-day
• Family plans: No

Why PolicyAdvisor recommends:

• Stable pre-existing conditions: Offers coverage for stable pre-existing conditions
• Side-trip travel coverage: Covers side trip outside Canada for up to 30 days
• Automatic plan extension: Automatically extend coverage for up to 48 hours
• No medical questions: Requires no medical questions or exam for visitors under 55
• Around-the-clock support: Offers 24*7 multilingual support

Things to consider:

• Limited coverage: Limited travel accident and non-medical coverage options
• International Students: No dedicated coverage for international students
• Adventure sports not included: Excludes coverage for adventure and extreme sports
• Availability issue: Limited availability in some provinces

Best for monthly payment plans: Travelance

Company Overview: Travelance is one of the few Canadian companies that lets you pay for Super Visa insurance monthly instead of paying for everything at once.

Travelance lets you get 3 follow-up doctor visits within a 30-day period, covering up to $3,000 worth of related costs. It also has great coverage for prescription drugs and really high deductible options. This is fantastic health insurance for visitors to Canada if you do end up needing medical attention during your trip.

PolicyAdvisor rating: ★★★★ (4/5)

Key features of Travelance:

• Product name: Visitors to Canada Emergency Medical Insurance (VTC) Essential Plan or Premier Plan, International Student Travel Insurance (ISP) Smart Plan or Smart-Plus Plan
• Types of coverage: Emergency medical + Super Visa
• Maximum amount of coverage: $150,000 (visitors) or $2,000,000 (international students)
• Age range: 14 days to 86 years
• Pre-existing conditions covered: Limited; up to age 69 and only with premium plans, if stable
• Deductibles: $0 – $10,000
• Free look: Yes, 10-day
• Family plans: Yes

Why PolicyAdvisor recommends:

• Cover side trips: Coverage includes side trips outside Canada
• Monthly payment option: Option to pay premiums monthly is also offered
• Automatic plan extension: Available if the travel is delayed due to emergencies
• Coverage for international students: Offers special coverage for international students
• Emergency medical coverage: Offers an extensive emergency medical coverage

Things to consider:

• Limited coverage: Coverage for pre-existing conditions is limited
• Non-medical coverage: Limited non-medical coverage options
• Adventure sports: Adventure and extreme sports are not covered

Best for long stays: 21st Century

Company Overview: If you plan to stay in Canada for long periods of time, we recommend that you get a visitors insurance plan with 21st Century. They have a rare upgrade feature that lets you extend your insurance plan for up to 2 years while keeping the exact same price. 

Their 2-year extension is perfect for people who apply for the 2-year extension for their Super Visa. Plus, 21st Century is another one of the few providers who lets you pay for Super Visa insurance monthly. They offer different levels of insurance to cover your trip, and you can choose higher or lower deductibles.

PolicyAdvisor rating: ★★★★ (4/5)

Key features of 21st Century:

• Product name: Visitors to Canada Insurance Basic Plan, Standard Plan, or Enhanced Plan
• Types of coverage: Emergency medical + Super Visa
• Maximum amount of coverage: $200,000
• Age range: 0 to 111 years
• Pre-existing conditions covered: Yes, if stable (Enhanced Plan only)
• Deductibles: $0 – $10,000
• Free look: No
• Family plans: Yes

Why PolicyAdvisor recommends:

• Pre-existing conditions: Offers coverage for stable pre-existing conditions
• Covers side trips: Side trip coverage is included. Also covers trip breaks
• Travel accident coverage: Covers accidents arising at the time of traveling 
• 24/7 assistance: Offers round-the-clock emergency assistance
• Monthly payment options: Option to pay the premium monthly
• Two-year upgrade: Two-year upgrade option on a monthly payment plan

Things to consider:

• Refund: Offers partial refunds only
• Coverage limited: Offers limited coverage for pre-existing conditions as well as non-medical options
• International students: Does not offer any dedicated coverage for international students
• Adventure sports: Does not cover risky or adventurous sports

Best for convenience: Destination Canada

Company Overview: Destination Canada is another convenient option for visitors to Canada insurance.The insurer covers basics for emergency medical — stable pre-existing conditions, Super Visa insurance, etc. It can even cover travellers who are over 86 years old.

On the downside, it doesn’t have the most comprehensive travel insurance policies. So, if you’re looking for things like trip cancellation insurance or coverage for extreme sports, this isn’t the best choice for you. 

 PolicyAdvisor rating: ★★★★ (4/5)

Key features of Destination Canada:

• Product name: Canada Visitors to Canada Plan, International Student Insurance
• Types of coverage: Emergency medical + Super Visa
• Maximum amount of coverage: $300,000
• Age range: 0 to 86+ years
• Pre-existing conditions covered: Limited; up to age 79 only, if stable
• Deductibles: $0 – $500
• Free look: Yes, 10-day
• Family plans: Yes

Why PolicyAdvisor recommends:

• Pre-existing conditions: Covers stable pre-existing conditions
• Trip coverage: Cover side trips as well as the trip coverage
• Travel accident coverage: Offers coverage for accidental injuries during travel
• Trip-related benefits: Coverage for baggage loss, trip interruption, and flight delays is offered
• Emergency extension: Offers automatic plan extension in emergency situations
• Simple application: No medical questionnaire required for application

Things to consider:

• Deductible options: Deductibles offered are limited
• Pre-existing conditions: Only covers stable pre-existing conditions
• Non-medical coverage: Fewer benefits for non-medical conditions
• Adventure sports: Does not cover adventure or extreme sports

Best for side trips: MSH

Company Overview: An MSH plan is the perfect travel insurance for international frequent flyers. Many Canadian insurance companies cover side trips once most of your time is spent in Canada. But they won’t cover trips outside of Canada for more than 30 days at most. MSH doesn’t have this limit.

MSH doesn’t have restrictions on outside trips, so even if you spend an extended period of time in countries outside of Canada, you can still get coverage.

PolicyAdvisor ratings:  ★★★★ (4/5)

Key features of MSH:

• Product name: Discover Canada Insurance, Patriot Travel Plan
• Types of coverage: Emergency medical + Super Visa
• Maximum amount of coverage: $1,000,000
• Age range: 15 days to 90 years
• Pre-existing conditions covered: Limited; up to age 80 only, if stable
• Deductibles: $0 – $25,000
• Free look: No
• Family plans: Yes

Why PolicyAdvisor recommends:

• Side trip coverage: Covers worldwide side trips for an extended period
• Trip breaks: Also offers coverage for trip breaks
• Emergency transportation: Covers economy airfare in case of emergency transportation
• Pre-existing conditions: Offers coverage for pre-existing conditions
• Large deductible options: For 85 and younger, deductibles of $0, $100, or $1,000 are offered; for 86+, a $500 deductible is offered

Things to consider:

• Pre-existing conditions: Coverage is limited for pre-existing conditions
• Limited non-medical benefits: No coverage for non-medical options like baggage loss, trip cancellation
• International students: No dedicated coverage offered for international students
• Sports excluded: No professional sport covered

Best for companion discounts: 21st Century

Company Overview: The 21st Century travel insurance is a good choice if you’re not travelling alone. In Canada, many insurance companies offer plans for families, which means you can get lower prices if you’re going on a trip with your close family or other dependents. 21st Century also gives discounts if your travel companion might not a member of your family. So, if you and a few friends want to visit Canada and save money while making sure you’re protected, their insurance plan would be a smart option.

PolicyAdvisor ratings:  ★★★★ (4/5)

Key features of 21st Century:

• Product name: Visitors to Canada Insurance Basic Plan, Standard Plan, or Enhanced Plan
• Types of coverage: Emergency medical + Super Visa
• Maximum amount of coverage: $200,000
• Age range: 0 to 111 years
• Pre-existing conditions covered: Yes, if stable (Enhanced Plan only)
• Deductibles: $0 – $10,000
• Free look: No
• Family plans: Yes

Why PolicyAdvisor recommends:

• Pre-existing conditions: Offers coverage for pre-existing conditions
• Covers side trips: Side trip coverage is included. Also covers trip breaks
• Travel accident coverage: Covers accidents arising at the time of traveling 
• 24/7 assistance: Provides round-the-clock emergency assistance
• Monthly payment options: Provides the option to pay premiums monthly
• Two-year upgrade: Offers a unique two-year upgrade option on a monthly payment plan

Things to consider:

• Refund: Offers partial refunds only
• Coverage limited: Offers limited coverage for pre-existing conditions as well as non-medical options
• International students: Does not offer any dedicated coverage for international students. 
• Adventure sports: Does not cover risky or adventurous sports

Best for customizable deductibles: Secure Travel

Company Overview: Visitors to Canada who want more deductible choices can choose a travel insurance policy from Secure Travel. A deductible is the amount you pay upfront before insurance pays for the rest. A higher deductible makes your insurance premium cost less, and vice versa. 

You can get all of this plus good standard coverage for things like Super Visa insurance, pre-existing conditions, side trips, travel accident coverage, and more.

PolicyAdvisor ratings:  ★★★(3/5)

Key features of Secure Travel:

• Product name: Visitors to Canada Insurance Standard or Enhanced Plan, Super Visa Insurance, International Student Insurance Standard, Enhanced, or Premium Plan
• Types of coverage: Emergency medical + Super Visa
• Maximum amount of coverage: $1,000,000 or $2,000,000 for international students
• Age range: 15 days to 89 years
• Pre-existing conditions covered: Yes, if stable
• Deductibles: $0 – $3,000
• Free look: Yes, 10-day
• Family plans: Yes

Why PolicyAdvisor recommends:

• Pre-existing conditions: Offers coverage for stable pre-existing conditions
• Side trips: Can cover side trips and trip breaks
• Dental coverage: Offers emergency dental coverage
• 24/7 support: Offers 24/7 emergency claims support
• High coverage limit: Coverage offered up to $1,000,000
• Automatic plan extension: Automatically extends coverage for up to 72 hours

Things to consider:

• Partial refunds: Has limited refund flexibility options
• Non-medical coverage: Offers limited non-medical coverage options
• Adventure sports: Excludes high-risk activities like extreme sports

Best for medical coverage: Alberta Blue Cross

Company Overview: Alberta Blue Cross offers one of the best health insurance for visitors to Canada with emergency medical coverage, including hospital stays, physician services, prescription drugs, and emergency dental services. It also covers medical evacuation, trip interruption due to medical reasons, and 24/7 travel assistance.

PolicyAdvisor ratings:  ★★★★(4/5)

Key features of Alberta Blue Cross:

• Product name: Travel Insurance  
• Types of coverage: Emergency medical care, medical expenses if you test positive for COVID-19 during your trip, Accidental death and dismemberment, Baggage loss coverage
• Maximum amount of coverage: $5,000,000
• Age range: 31 days to 74 years
• Pre-existing conditions covered: Yes, if stable 90 days before departure
• Deductibles: $0 – $1,000 
• Free look: Yes, 10-day
• Family plans: Yes

Why PolicyAdvisor recommends:

• Emergency medical coverage: Offers extensive emergency medical care of up to $5 million
• COVID-19 coverage: Includes coverage for COVID-19-related expenses
• Accidental death coverage: Provide financial benefits in case of accidental death and dismemberment
• Baggage loss: Offers coverage for baggage loss
• Automatic coverage extension: Provides automatic coverage extensions in emergencies

Things to consider:

• Not comprehensive: May not offer as comprehensive medical evacuation coverage compared to other companies
• Baggage loss: Coverage for baggage loss may have some limitations

Best for travel delays: RBC Insurance

Company Overview: RBC Insurance provides a range of visitors’ travel insurance plans suited for different types of travelers, including international students, senior citizens, and those traveling within Canada.

The insurance company offers extensive coverage including travel delay coverage, reimbursing expenses incurred due to delays, including accommodation, meals, and transportation. 

PolicyAdvisor ratings:  ★★★★(4/5)

Key features of RBC Insurance:

• Product name: TravelCare, Travel with Canada 
• Types of coverage: Unlimited emergency medical care, trip cancellation and interruption, baggage loss, damage and delay, flight and travel accidents, hotel/motel burglary insurance, auto rental collision/loss damage waiver insurance
• Maximum amount of coverage: $5,000,000
• Age range: 31 days to 74 years
• Pre-existing conditions covered: Yes, if stable  
• Deductibles: $0 – $1,000 
• Free look: Yes, 10-day
• Family plans: Yes

Why PolicyAdvisor recommends:

• Travel coverage: Strong coverage for travel delays, including accommodation and meals
• Trip cover: Includes trip cancellation and interruption coverage
• Baggage loss: Offers comprehensive baggage loss and damage coverage
• Emergency coverage: Offers emergency dental and travel accident coverage

Things to consider:

• Not high coverage: May not have as high coverage limits for emergency medical expenses compared to other providers
• Travel focus: More focus on travel delays rather than medical emergencies

Common exclusions in visitor insurance policies

While visitor to Canada insurance provides essential medical coverage for those travelling to the country, it does have certain exclusions including treatment of pre-existing health conditions, non-emergency procedures, pregnancy care, and more.

• Pre-existing conditions: Any pre-existing condition that a visitor has been diagnosed with prior to getting medical insurance for visitors to Canada is usually not covered under VTC plans. Certain insurers do offer coverage for pre-existing conditions but with a waiting period and at an increased cost
• Non-emergency procedures: Cosmetic procedures, planned surgeries, routine check-ups, alternative/holistic treatments, and preventative medication are not covered under visitor to Canada insurance plans
• Anything outside the “Usual, Customary, and Reasonable”: “Usual, Customary, and Reasonable” also known as UC&R refers to the standard amount that hospitals commonly charge for a particular service within a specific geographic area. Any visitor to Canada insurance claim that far exceeds the UC&R is not covered by insurers
• Pregnancy care: Maternity and pregnancy care is generally not covered by visitor to Canada insurance

How to choose the best visitor’s travel insurance policy in Canada?

Choosing the best VTC (Visitor to Canada) insurance involves a detailed review of your travel needs and insurance options. To ensure you’re fully protected during your stay, follow these steps:

1. Assess your needs

• Determine the length of your stay and select a policy that covers the entire period
• Consider any pre-existing medical conditions and verify that the policy covers them
• If you plan to engage in high-risk activities (like skiing or scuba diving), make sure they’re included

2. Compare coverage options

• Ensure the policy provides ample coverage for emergency medical expenses, hospitalization, and outpatient care
• Verify medical evacuation coverage to the nearest facility or home if necessary
• Look for reimbursement for non-refundable expenses if your trip is cancelled or interrupted for covered reasons
• Ensure coverage for lost, stolen, or delayed baggage.
• Check for compensation for expenses incurred due to travel delays
• Opt for policies that offer 24/7 assistance for emergencies and travel issues

3. Check policy limits and exclusions

• Review the maximum payout limits for various types of coverage
• Understand exclusions, such as certain medical conditions, activities, or regions not covered

4. Speak to our advisors

• Compare quotes from multiple insurers to evaluate premiums and coverage details
• Ensure you’re comparing policies with similar coverage levels and features

5. Read the fine print

• Carefully read through policy documents to understand all terms and conditions
• Ask questions about unclear terms to ensure full clarity on your coverage

How much does visitor 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:

What affects travel insurance costs?

Several factors influence travel insurance costs:

• Age: Older travellers typically pay higher premiums due to increased health risks
• Destination: Countries with higher healthcare costs or greater travel risks may result in higher premiums
• Trip duration: Longer trips generally incur higher costs
• Coverage limits: Policies with higher coverage limits for medical expenses and trip cancellations may cost more
• 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

Who should buy Visitors to Canada (VTC) 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

Choosing the best visitor health insurance policy in Canada

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.

However, choosing the right visitor health insurance for your unique needs can be tricky! This is where PolicyAdvisor and our vast array of experience and grip over the market comes in. Speak with licensed advisors at PolicyAdvisor to 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. However, if you buy insurance after arriving, there’s typically a waiting period of 48 hours to 8 days before coverage takes effect. Coverage ends on the return date when you are back in your home country.

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, it can cost them up to $300. An emergency room visit can be significantly more expensive, ranging from $1,000 to $2,000, 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.

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. 

What are the types of health insurance plans available for visitors to Canada?

Visitor insurance in Canada generally offers three key types of coverage: medical insurance for visitors, trip cancellation and interruption insurance, and Super Visa insurance.

• Medical insurance for visitors to Canada: This provides coverage for eligible emergency medical situations that non-residents may face during their stay in Canada, helping protect against the high costs of medical care
• Trip cancellation and interruption insurance: This type of insurance offers financial protection by covering trip costs if travel plans are cancelled or disrupted due to unforeseen events
• Super Visa insurance: Specifically designed for parents and grandparents of Canadian citizens and permanent residents, Super Visa insurance provides coverage for a minimum of 12 months, with a required coverage limit of at least $100,000

What does health insurance for visitors to Canada cover?

Most visitor medical plans cover emergency medical treatment due to illness or injury, prescription medications, and emergency dental services.

Visitor to Canada insurance also covers essential medical equipment, such as crutches or wheelchairs, diagnostic procedures like X-rays and bloodwork, and ambulance services by ground, air, or sea.

Additional benefits often include follow-up medical appointments and medical evacuation to the nearest hospital if needed.

Do visitor health insurance plans cover pre-existing conditions?

No, most visitor visa insurance plans won’t pay for a health problem that you already had before you got the insurance. This health condition is considered a “pre-existing condition.”

Some common pre-existing conditions include cancer, heart disease, diabetes, etc. that are not covered. However, if your medical condition is stable, then some insurance companies will cover related complications at an additional cost. The table below shows the criteria for a condition to be considered stable.

How does visitor health insurance help those visiting Canada?

Travel health insurance can help protect tourists against enormous fees if they need to see a doctor or get medical care during their trip to Canada.

Everyone wants to kick back and have a great time on vacation. But a sudden emergency can cost you thousands of dollars per day in medical expenses. Remember, visitors aren’t covered by Canada’s healthcare. And your home country’s health insurance won’t cover you in foreign countries either.

Visitor medical coverage can help pay some of those costs and give you peace of mind knowing you’re financially covered if anything happens.

Are there any exclusions or limitations to visitor health insurance in Canada?

Most visitor insurance plans in Canada typically exclude unstable pre-existing conditions, non-emergency procedures such as elective surgeries or routine check-ups, and diagnostic tests like MRIs or CAT scans, which are usually only covered in extreme emergencies.

Pregnancy and maternity care are also exclusions, although some insurers may offer coverage in critical situations. Mental health services, including therapy and psychiatric care, are generally not included, as well as any illnesses or injuries related to chronic drug or alcohol use.

High-risk activities like extreme sports, self-inflicted injuries, and treatments exceeding the Usual, Customary, and Reasonable (UC&R) costs are also commonly excluded.

Does visitor medical insurance cover families visiting Canada?

Yes, visitor health insurance can cover a family visiting Canada. If you need to cover more than one person at a time, you can get a family policy that will include everyone. But note that there are rules about who can be included in that policy.

Generally, anyone travelling with you will fall under one of two categories:

1. Dependents
2. Non-dependents

Dependents: Canadian insurance companies usually include your family members as dependents. This includes:

• Your spouse
• Your minor children
• Anyone legally or financially dependent on you

Anyone who falls into one of these categories can be included in your travel insurance plan.

Advisor’s advice: Pregnancy while travelling will require special attention to your policy wording. Unborn babies aren’t treated the same as dependent children. If someone visiting Canada gives birth, their baby will not be covered under their travel insurance plan. However, some companies (like our partner Tugo Travel) may let you add a newborn baby to your insurance starting from as early as 15 days of age.

Non-dependents: If you want to get visitor insurance for a family member who is not a dependent, you will have to buy them a separate policy.

This means that if you want to buy Canadian health insurance for your parents visiting Canada, they would not be included in your family plan. They would need to get their own separate visitors insurance, although you could buy that policy for them.

How much does health insurance for visitors to Canada cost? 

The average cost of visitor health insurance for travellers to Canada typically ranges from $50 to $400 per month, depending on factors such as age, duration of stay, and the amount of coverage.

For instance, younger travellers (under 40 years) may pay between $50 and $100 monthly, while those aged 70 years and older may see costs rise between $200 and $400 per month.

Average coverage and premiums for different age groups 

*The above premiums are for $100,000 in coverage for an individual visiting Canada for a 30-day period. Premiums vary based on your health condition. 

What is a deductible?

Most visitor insurance policies have something called a deductible. It’s the amount of cash you choose to pay out of pocket before your insurance coverage kicks in and covers the rest of the medical bill.

Deductible options also change how much you pay for your policy. The higher the deductible, the cheaper the policy.

Some deductibles start at zero, meaning you don’t have to pay anything upfront when you have a medical bill—the insurance covers the cost right away. But lower deductible options mean you pay more for your insurance premiums.

Deductibles can also be as high as thousands of dollars, meaning you pay those thousands before insurance helps with the rest. But higher deductible amounts also mean you pay less for your insurance policy.

How much health insurance coverage can visitors to Canada get?

Tourists and other visitors in Canada can get coverage amounts of $10,000 to $1 million in health insurance coverage for their trip. Most Canadian visitors choose $100,000 in coverage.

Insurance companies will cover up to a certain dollar amount in unexpected medical costs. How much they cover depends on what kind of medical procedure it is.

How to choose the right health insurance plan for visitors to Canada?

Choosing the right health insurance plan is essential for visitors to Canada, as they are not covered by provincial healthcare. Start by considering the visitor’s age, health needs, and trip length.

You must always consider a plan with at least $100,000 in emergency medical coverage, including hospital stays, doctor visits, and ambulance services.

If the visitor has pre-existing conditions, choose a plan that offers coverage for stable conditions. Always review exclusions, deductibles, and policy limits. Finally, pick a reputable insurer with 24/7 support and an easy claims process to ensure peace of mind during the trip.

Which Canadian providers offer emergency medical insurance for visitors to Canada?

You can get visitors health insurance from the best Canadian visitor insurance providers like:

• Manulife
• Canada Life
• Desjardins
• GMS (Group Medical Services)
• Equitable Life of Canada

We work with all of these travel insurance providers and more to bring you the best visitor insurance options. Save time and find the lowest rates in minutes by comparing them on PolicyAdvisor.

Frequently asked questions

Do I need medical insurance for a Canadian visitor visa?

No, medical insurance is not mandatory for a visitor visa unless you’re applying for a Super Visa, which requires compulsory coverage of $100,000.

Can non-residents get health insurance in Canada?

Non-residents cannot get Canadian government healthcare, but they can get coverage for medical emergencies with visitor medical insurance.

Is emergency healthcare free in Canada for tourists?

No, emergency healthcare is not free for tourists visiting Canada. Visitors to Canada can get emergency healthcare coverage through a travel medical insurance plan.

Can I get visitor health insurance if I’m already in Canada?

Yes, it is possible to get visitor health insurance if you’re already in Canada but there will be a waiting period and some health events may be excluded.

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 will explore the most cost-effective visitor insurance options, helping you safeguard your health and finances without breaking the bank.

What is a visitor to Canada health insurance?

Visitor medical insurance for visitors to Canada is designed to cover emergency medical expenses such as hospital stays, doctor visits, prescription drugs, ambulance services, etc., for non-residents visiting Canada. 

The Canadian healthcare system does not cover non-residents, making medical insurance for visitors to Canada an essential type of coverage. 

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, Secure Travel consistently ranks as the cheapest option. For a typical $100,000 coverage for a month-long trip the average premiums for Secure Travel range between $95-$328 depending on the age and health condition of the visitor.

Whether you need basic coverage for emergencies or more comprehensive protection, Secure Travel provides cost-effective solutions without compromising on essential benefits. 

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 offers budget-friendly plans for older travellers, especially seniors above 70, making this a top choice for higher-aged visitors to Canada.

For a typical $100,000 coverage for a month-long trip the average premiums for Travelance range between $85-$400 depending on the age and health condition of the visitor. Their policies provide comprehensive coverage for older individuals seeking emergency medical care while they are in Canada. 

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 stands out by offering some of the most competitively priced plans that cover pre-existing conditions, provided they are stable for a certain period before arrival. 

For a typical $100,000 coverage for a month-long trip the average premiums for TuGo range between $100-$500 depending on the age and health condition of the visitor. Most people with a pre-existing illness looking for both affordability and comprehensive coverage for chronic health conditions prefer TuGo. 

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 offers monthly payment plans for coverage amounts as low as $50,000 and long-term plans for up to 6 months. This option is particularly appealing to visitors who may be on a budget and don’t want to pay for the entire coverage upfront. 

For a typical $100,000 coverage for a month-long trip, the average premiums for Destination Canada range between $80-$478 depending on the age and health condition of the visitor.

With competitive rates for month-to-month coverage, Destination Canada allows individuals to manage their budgets better while ensuring continuous protection.

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 offers the lowest premiums for visitors who are willing to opt for higher deductibles. Currently, GMS is offering the cheapest premiums for plans with a $500 deductible — an expense that you have to pay out of pocket before your visitor health insurance kicks in!

For a typical $100,000 coverage for a month-long trip the average premiums for GMS range between $100-$450 depending on the age and health condition of the visitor.

By paying more upfront before the insurance coverage kicks in, tourists can benefit from significantly reduced premiums. 

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

Cheapest visitor health insurance for longer stays – 21st Century

For visitors planning to stay in Canada for extended periods, 21st Century offers the most affordable plans. Their policies are specifically designed to cater to long-term visitors, with plans allowing coverage for up to 2 years of stay. 

For a typical $100,000 coverage for a month-long trip the average premiums for 21st Century range between $89-$480 depending on the age and health condition of the visitor.

Moreover, the premiums decrease the longer you stay. This is particularly beneficial for individuals on extended vacations, visiting family, or staying in Canada for work or study. 

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 lower your insurance premium. However, be prepared to pay more out-of-pocket if you need to make a claim
• 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?

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

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, Travelance, 21st Century, Secure Travel, and Destination Canada all offer affordable monthly payment plans for visitor health insurance. 

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.

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.

Get the cheapest travel insurance for visitors to Canada in minutes

You can find cheap visitor health insurance quotes for your trip to Canada by shopping around for the best deals online. You can also do that easily in less than a minute with assistance from our experts at PolicyAdvisor.

We work with more than 30 of the best Canadian insurance companies to bring you the best rates all in one place.

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 Super Visa insurance?

Super Visa insurance is a specialized form of travel medical insurance that is designed to cover visitors for the entire time they are in Canada. It helps cover the costs of medical emergencies and other health care needs that may arise during their stay. The main purpose of this kind of coverage is to make sure visitors aren’t a financial burden on the public healthcare system — or on the family members they are visiting.

What is a Super Visa?

A Super Visa is a unique visitor visa for the foreign parents and grandparents of Canadian citizens and permanent residents. It’s a 10-year multiple entry visa that allows visitors to stay for up to 5 years, with the option to apply for a 2-year extension.

Is Super Visa insurance mandatory?

Yes, it is mandatory. To be allowed to enter Canada, you need to have a policy that:

• Covers emergency medical care
• Has a minimum coverage of $100,000 CAD
• Is valid for at least a 12-month period
• Is bought from a Canadian insurance company
• Is active when you arrive in Canada

See the full list of requirements in our complete guide.

Did the rules about Super Visa insurance payments change?

Yes, the rules about how you can pay for Super Visa medical coverage changed a few times in 2022 and 2023. This is what caused some confusion for visa-holders and their family members.

From August to December 2022, the Canadian government said that Super Visa insurance payments had to be made in full at the time of purchase. Otherwise, visa-holders might not be allowed to enter the country. This led some families to worry that something might happen to their visitor status unless they paid in-full right away.

But now, you are allowed to pay in monthly installments if your provider gives that option. This is welcome news for families looking for more flexibility with how they pay for their insurance policy!

Will the new Super Visa insurance rules affect me?

The new rules will mostly affect new visa-holders who are looking to buy health insurance for their stay. But it could also affect insured people who are already in Canada.

Here’s how it could affect you:

How to get the best Super Visa insurance deals

You can easily find the best deals on Canadian Super Visa insurance with PolicyAdvisor. Use our free online quoting tool to get Super Visa insurance quotes and compare prices from top Canadian providers in less than a minute.

Or schedule a call with one of our licensed insurance advisors for expert advice on which travel insurance policy would be best for you and your family.

Frequently Asked Questions

How much does Super Visa insurance cost?

As with most insurance premiums, Super Visa insurance costs depend on factors like:

• Applicant age
• Applicant health status
• Applicant health history
• Policy length
• Coverage amount
• Deductible options

The average cost of Super Visa health insurance policies is just over $1,000 to upwards of $1,500 per year. However, the cost can also be well over $2,000, again depending on the factors listed above.

People who have pre-existing medical conditions — like diabetes, high blood pressure, cancer, heart conditions, lung conditions, etc. — may have to pay a higher cost for their health insurance.

Check out some quotes right here on our website to find a policy that matches your family’s needs and budget.

Can a relative buy Super Visa insurance for me?

Yes, Canadian citizens and permanent residents can buy a policy on behalf of their visiting parents or grandparents. In fact, many people choose to do just that.

With this program, Canadian citizens and residents are considered the sponsors of their visiting family members. Since they are financially responsible for the visit, most people will buy the necessary Super Visa coverage on behalf of their visiting relatives.

Is Super Visa insurance refundable?

Yes, you can get a refund if you need to cancel your insurance coverage. But we don’t recommend that you cancel your policy except in a few rare circumstances.

Your Super Visa insurance has to remain active for the entire duration of your stay for your visa to remain valid. If you cancel it, your visa might be revoked.

The few exceptions would be:

• If the insured person leaves Canada earlier than expected
• If the Super Visa application is denied

In either of these cases, or similar situations, it may be necessary to cancel the policy. At that time, the insurance provider would give you a partial refund.

How long does it take to get Super Visa insurance?

In most cases, you’re approved as soon as you complete the application process. It’s quite fast and simple to get the coverage you need. Getting approved for the actual visa itself is much more complex and takes far more time.

You can apply for Super Visa insurance in a matter of minutes with PolicyAdvisor. We give you the option to apply online or over the phone with one of our expert advisors. So, you’re free to apply however is easiest for you.

Why is super visa insurance so expensive?

Super visa insurance can be expensive due to the following reasons:

• Age:  Super visa insurance premiums tend to increase with age. For example, if you’re 60-65 years old, premiums for minimum coverage of $100,000 would cost you $1,200-$1,500. However, if you’re 70-75 years old, the same coverage would cost $2,100-$2,700
• Length of stay: The duration of your stay in Canada also contributes to your premiums. Longer stays usually result in higher premiums since there’s a greater potential for health risks
• Deductibles: Choosing a lower deductible for your insurance also results in higher premiums, as you’re shifting more responsibility to the insurer
• Chronic illnesses: If you have diabetes, heart disease, or any chronic condition, your premium will be higher, as it represents a greater risk to the insurer

What is a Super Visa?

A Super Visa is a special visa that allows you to visit Canada multiple times. It’s valid for up to 10 years, and you can stay in Canada for up to 5 years each time you visit. You can even request to extend your stay by 2 years at a time while in Canada. In comparison, a normal visitor to Canada visa only lets you stay up to 6 months.

Super Visa Eligibility Requirements

To be eligible for a Super Visa, the person applying must:

1. Be the parent or grandparent of a Canadian citizen or Canadian permanent resident
2. Have a letter written by their child or grandchild stating that they will provide financial support to the visa-holder during their stay
3. Provide proof that their child or grandchild meets the minimum income requirement
4. Provide a copy of their child or grandchild’s Canadian passport or Permanent Resident Card (PR Card)
5. Take a medical exam and show they are healthy enough to enter the country
6. Provide proof that they have adequate insurance coverage from a Canadian insurance company (super visa insurance)

Visit the Government of Canada’s website for more details about the requirements for the government’s super visa program.

Is Super Visa insurance mandatory?

Yes, you need to have Canadian medical insurance for a Super Visa application to be approved. The insurance policy must also be active when the visa-holder arrives in Canada.

What is the least amount of coverage needed for Super Visa insurance?

The minimum coverage level for Super Visa insurance is $100,000. But keep in mind that you might need more than this. The insurance policy has to at least cover the cost of health care, hospitalization, and travel if your visiting family has to return home while still getting medical help.

How much Super Visa insurance coverage do you need?

While the minimum requirement for medical insurance coverage for a Super Visa is $100,000, many choose to go above those minimum requirements. It is possible to purchase up to $1 million in Super Visa insurance coverage. Given the high cost of medical treatment without public healthcare coverage and the advanced age of the typical Super Visa insurance applicant, opting for a higher medical coverage amount is common.

How to find the best Super Visa insurance quotes

Use our free online quoting tool to get the best Super Visa insurance quotes instantly!

Our blog on the Best Visitors Insurance in Canada also has more details about which of the best Super Visa insurance providers you should choose.

Or, connect with our friendly insurance agents if you want personal help. We have years of experience helping Canadian families get travel insurance policies for their relatives. Our advisors would be happy to walk you through the steps and go over multiple coverage options so your family can get the best plan for your needs.

Frequently asked questions

Do you need to purchase a Super Visa insurance policy in Canada?

No, you do not have to physically be in Canada to buy Super Visa insurance. You just have to buy it from a Canadian insurance provider. But you can buy the policy whether you are in Canada or elsewhere. You can only apply for the visa itself from outside of Canada, though.

Can you get a discount if you buy several Super Visa insurance policies?

Yes, most insurance companies will give you a discount if you buy more than one Super Visa insurance policy at once. Each company has its own special offers and deals. Ask about the multi-policy discount to find out how you can save!

Do you need to take a medical test for Super Visa insurance?

No, you don’t need to go through a medical exam or do labwork to get Super Visa insurance. You will only be asked some questions about your health when you apply.

Be sure to only give honest and accurate answers to each question during the application process. If you give false information, your policy could be canceled. And if that happens, you risk losing your visa on the whole.

Can you get a refund for Super Visa insurance?

Yes, you can get a refund for Super Visa insurance. But only in some circumstances. For example, if you apply for a policy and get approved but your Super Visa application is denied. In this case, you can get a full refund for your Super Visa insurance policy.

Can you cancel Super Visa insurance?

Yes, you are allowed to cancel Super Visa insurance. But it doesn’t happen often because this kind of insurance is mandatory for the visa itself.

Let’s say your Super Visa application was accepted and you’re now using that visa to stay in Canada. You wouldn’t be able to cancel the insurance because that would also cancel your visa.

But let’s say you have to leave Canada earlier than expected, and you haven’t used your insurance plan. In that case, you can cancel your insurance policy and get some money back. But you might have to pay a cancellation fee.

Can foreign workers in Canada get super visa insurance for their families?

No, the parents and grandparents of foreign workers in Canada cannot get a Super Visa or insurance for Super Visa. It’s only available to the relatives of Canadian citizens and permanent residents. Foreign workers, like international students, are considered temporary residents in Canada. But their visiting relatives can still get standard travel insurance.

Does Super Visa insurance cover dental treatment or dental emergencies?

Yes, Super Visa insurance covers emergency dental expenses. Depending on your policy, Super Visa insurance can provide thousands of dollars in coverage for dental emergencies and expenses. Note that it does not cover planned dental treatment, like cosmetic surgery.

How long does Super Visa insurance coverage last?

Super Visa insurance coverage lasts for up to 1 year at a time. It’s bought in 1-year increments, so the Super Visa holder needs to get a new policy every year they remain in Canada.

Also keep in mind that if the visitor leaves Canada and comes back again, they will need to have new, valid Super Visa insurance coverage.

Why is Super Visa insurance so expensive?

Super Visa insurance can be expensive for several reasons, such as:

• Age: Super Visa insurance premiums increase significantly with age.  For example, if you are 60–65 years old, you can expect to pay $1,200–$1,500 for a policy with $100,000 coverage. However, for those aged 70–75, the same coverage may cost $2,100–$2,700 

• Pre-existing Health Conditions: Chronic illnesses, such as diabetes and heart disease, may result in higher premiums, as they pose a greater risk to insurers

• Deductibles: Choosing a lower deductible for your Super Visa insurance will result in higher premiums. Conversely, opting for a higher deductible will lower your premium costs
• Length of stay: The duration of your stay also affects your premiums, with longer stays leading to higher costs

Does Super Visa insurance cover doctor visits?

No. Super Visa insurance is primarily designed to cover emergency medical expenses, such as treatment for illnesses or injuries, prescription medications, diagnostic procedures like X-rays, ambulance services (ground, air, and sea), and essential medical equipment (e.g., crutches, slings, and wheelchairs).

However, it does not cover routine doctor visits or preventive care, including planned vision and dental care.

Which providers 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!

The different providers each have different packages. Connect with one of our agents to find out which would be best for you and your family today!

Frequently asked questions

Can I get health insurance in Canada as a visitor?

Yes, you can get health insurance for visitors in Canada that covers emergency medical costs such as doctor visits, hospital stays, prescription medications, etc.

Since the public healthcare system in Canada is reserved for residents and citizens, it is best if the visitors purchase private health insurance to cover any medical emergencies or health-related expenses during their stay.

Can I purchase visitor insurance for Canada after I arrive?

It is best to purchase visitor insurance before you arrive in Canada. If you buy the insurance after arriving, you may be faced with a waiting period. A waiting period is a set amount of time you must wait after purchasing the insurance or after your arrival before coverage begins.

Can I cancel the insurance and get a refund?

Yes, most insurance plans can be canceled and the premium refunded if done before the policy’s effective date, though some administrative fees may apply.

If the policy is canceled after the effective date due to early departure to your home country or eligibility for a provincial or territorial government plan, you may receive a partial refund (minus a cancellation fee) provided no claims have been made.

How can I make an insurance claim in case of an emergency?

To make a claim contact your insurance provider at the earliest. Complete the claim form provided by your insurance company and attach the original medical bills, receipts, and invoices, keeping copies for your records.

Mail these documents to your insurance company, ensuring that all claims are reported in writing within 30 days of the expense and that all original documents are submitted within 90 days.

My parents are visiting Canada. Do I need health insurance? 

Yes, it’s highly recommended that your parents have health insurance while visiting Canada. Health insurance will help cover medical expenses in case of illness or an accident, which can be quite costly without coverage.

It provides peace of mind and ensures that they have financial protection for unexpected medical needs during their trip.

What does visitors insurance in Canada cover?

Medical insurance for visitors to Canada typically covers emergency medical procedures and services including hospital, emergency room, and walk-in clinic visits, doctor’s consultation, prescription drugs, diagnostic tests and scans, repatriation, and more. 

The following is a list of commonly covered situations for a visitor to Canada insurance plan:

• Physician consultations: Doctor’s or physician’s fee and in some cases, follow-up visits with the doctor
• Prescription drug coverage: Cost of medicines prescribed for an emergency that occurs after the policy has come into effect 
• Pathological tests or diagnostic procedures: Coverage for various diagnostic procedures including blood work, X-rays, CT scans, MRI, and more. The diagnostic tests and scans should be related to the medical emergency that occurs after the policy’s start date
• Paramedical services: Services by licensed professionals such as physiotherapists, chiropractors, podiatrists, or massage therapists. These services are covered if they are necessary due to a medical emergency 
• Pre-existing condition coverage: Some insurance plans offer coverage for pre-existing conditions, which can be crucial for visitors with ongoing health issues
• Emergency dental care: Some insurance plans provide coverage for emergency dental treatment or surgery that may have resulted from an accident or sudden injury
• Accidental death and dismemberment (AD&D): One-time lump sum amount in case of severe accidents that may lead to the death or loss of limbs of the insured
• Ambulance transportation: Visitors’ health insurance covers the costs of ambulance services—whether ground or air—needed to transport the visitor to the nearest hospital or medical facility during a medical emergency
• Repatriation: Insurance can cover the costs of emergency medical evacuation back to your home country, which can be a significant cost without coverage
• Hotels, meals, taxis: If a medical emergency requires a visitor to extend their stay in Canada for treatment or recovery, the insurance can cover additional expenses for hotels, meals, and local transportation such as taxis
• Childcare: If a visitor is hospitalized and unable to care for their dependent child, the visitor to Canada insurance may cover temporary childcare expenses. This ensures the child is safe and looked after while the insured individual receives necessary medical treatment, providing peace of mind during a stressful time
• Trip break/Side trip: Some emergency medical insurance plans for visitors offer flexibility with a trip break or side trip coverage, which allows visitors to return to their home country for a short period or travel to another country without losing their insurance coverage

What are some common exclusions to visitor insurance in Canada?

Most medical insurance plans for visitors to Canada do not cover pre-existing conditions, pregnancy, mental health conditions, high-risk adventure activities, and anything that falls outside the Usual, Customary, and Reasonable (UC&R). 

Note: Insurance providers have their lists of exclusions to a visitor in Canada insurance plan. It is important to read your policy document carefully to ensure compliance.

Who needs visitor health insurance in Canada?

Any non-resident in Canada, including those visiting relatives, tourists, foreign workers, international students, and returning Canadians need visitor health insurance. Such a policy will ensure they are protected against significant costs associated with any medical emergency during their trip.

Visitor insurance for international students in Canada

Insurance providers such as Secure Travel (RIMI), Tugo, and Travelance offer customized visitor insurance plans for international students on student visas in Canada. To get a student’s visitor insurance policy applicants must be:

• Residing in Canada on a temporary basis
• Ineligible for benefits under a government health plan
• A student with proof of full-time admission in a recognized Canadian institution of learning; or
• A student completing postdoctoral research in a recognized Canadian institution of learning; or
• The spouse or dependent child of the insured student and residing with them on a full-time basis; or
• The parent, legal guardian, teacher or chaperone of the insured student

Visitor insurance to Canada plans for students cover everything that a medical insurance visitor plan covers. Some insurers such as Secure Travel (RIMI) also include coverage for emergency psychiatric care, trauma counselling, sexual health consultation, and tutorial services in case of illness as part of their student visitor to Canada plans. 

Visitor health insurance for foreign workers in Canada

Foreign workers on a work permit who are not covered under any government health plan or an employer-sponsored plan can benefit greatly from a health insurance for visitors to Canada policy. 

Visitor insurance in Canada is especially important for:

• Workers who have just arrived in Canada and are yet to receive provincial healthcare benefits
• Those whose work permits may have expired but they haven’t left Canada yet
• Workers who are in the process of getting their work permit renewed

Visitor insurance for returning Canadians

Canadians who have been living out of Canada for more than six months usually end up losing their provincial healthcare benefits. When they return to Canada, their government health coverage takes up to 2-3 months to be reinstated in provinces like Ontario, British Columbia, and Quebec. 

During the waiting period, returning Canadians can benefit greatly from a visitors to Canada insurance plan to cover unexpected medical costs. 

Canadians who move from one province to another also lose access to their government health benefits temporarily. Visitor to Canada plans can help them manage emergency medical conditions. 

Insurance for parents and grandparents of Canadian citizens

Super visa insurance is a special type of visitor health insurance that’s only available to the parents and grandparents of Canadian citizens or residents who are staying in the country for a long period of time. This health insurance covers the any medical emergencies that happen during the visitors stay in Canada

The minimum requirements a super visa insurance policy has to meet are:

• Must be valid for at least one year from the date the visa-holder arrives in Canada
• Must have at least $100,000 in coverage
• Must cover emergency medical care, possible hospitalization, and repatriation
• Must be active and available for review by an immigration official each time the visa-holder enters Canada
• Must have been bought from a Canadian insurance company

Can I buy visitor insurance after arrival Canada?

Yes, you can buy visitor insurance after you arrive in Canada but more insurers will impose a waiting period, typically between 48 hours to 8 days. This waiting period is applicable for illnesses. Coverage for injuries typically begins as soon as the visitor insurance policy is purchased.

Insurance companies also have a purchase window where you have to buy visitor insurance within 30-45 days of your arrival in Canada.

How can I pay for Canadian visitors’ insurance?

You can pay the premium amount for visitors to Canada insurance policy in two ways: full upfront payment and monthly payment plan. 

Upfront payment is straightforward, as you make a single payment at the start, which covers you for your entire trip to Canada. Many people prefer this method for its simplicity and convenience, as it eliminates the need for recurring payments and ensures uninterrupted coverage.

Monthly payment plans spread the cost of the insurance over several months. This option can be more manageable for those on a budget or with a limited cash flow, as it breaks down the total premium into smaller, more affordable installments. Insurers usually require a credit card on file for monthly payments.

Do visitors get free healthcare in Canada?

No, visitors do not get free healthcare in Canada. Although Canada has a public healthcare system, it does not extend to foreigners and non-residents visiting the country. Visitors are required to pay out-of-pocket for any medical services they may need during their stay unless they have purchased visitor medical insurance.

Without insurance, healthcare costs in Canada can be substantial — a visit to the doctor or a walk-in clinic could be anywhere from $100 to $600, while an emergency room or hospitalization could be as high as $6,000 per day!

How long do you have to live in Canada to get free healthcare?

You can receive provincial coverage after living in Canada for about three months. To qualify for free healthcare in Canada, you typically need to be a permanent resident or a citizen. After obtaining permanent residency, you can access public healthcare services as soon as you register with your provincial or territorial health insurance plan. This registration process may vary by province. During this waiting period, it is advisable to have private health insurance to cover any unexpected medical costs.

Is visitors’ insurance in Canada refundable?

Yes, in most cases, you can cancel your visitor health insurance policy and receive a refund. However, the specifics will depend on your insurance provider’s policies.

If you need to cancel your policy before coverage begins, you’re usually entitled to a full refund of the premium you paid. All policies from Canadian insurers come with a 10-day free-look period, during which you can cancel and get a full refund for any reason. 

If you cancel after those 10 days, refunds are typically only given in certain cases: if your entire trip is cancelled before you arrive in Canada, if your visa is denied, if you become ineligible under the policy, or if you pass away.

Reasons you might need to cancel your visitors insurance:

Can I extend a visitor in Canada insurance plan?

Yes, you can extend a visitor in Canada insurance plan in case you are increasing your trip duration. Extending your coverage may cost extra, with premiums varying based on the extension’s duration, your age, the coverage amount, and the deductible terms.

To extend a visitors in Canada policy you must meet the following criteria:

• No claims have been submitted or intend to be submitted
• Request for extension is made before the expiration of the current policy
• Insured remains eligible for insurance, meaning they are in good health/no change in health status and are not experiencing any symptoms or planning to seek treatment during the new coverage period
• Age at the start date of extension would not make the traveller ineligible for insurance with the respective company
• Limits on the total period of coverage from the effective date of the original policy—including extensions—may also be placed by insurers, such as 1 year for GMS or 2 years for Tugo
• The required premium for the additional period of coverage is paid

Can I get insurance for visitors to Canada with a pre-existing condition?

Yes, you can get travel insurance for visitors to Canada with pre-existing health conditions. Although all insurance companies in Canada provide the pre-existing policy option, coverage may be limited.

Most companies offer two variants of policy options – one that includes pre-existing illness coverage and one that doesn’t. This ensures 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.

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

Can I pause a visitor’s insurance plan to travel back home?

Yes, you can pause a visitors to Canada insurance plan and temporarily return to your home country. This is known as a “trip break” and nearly all insurers, except GMS, allow you to pause your plan. In such cases, the policy will not terminate, but rather coverage will be suspended with no claims payable for any incidents in the insured’s home country. 

It is important to note here that suspension does not mean that the clock on the policy will be paused—only coverage will be paused while the policy period will continue. In the case of a monthly payment plan, payments will continue to be made while the policy continues, even though coverage is suspended.

Can I take side trips or travel to another country on my visitor insurance?

Yes, you can take side trips and travel to another country, excluding your country of origin, while on a visitors insurance, provided your plan covers side trips. Most insurers need your side trip to originate and terminate in Canada. 

Insurers such as Manulife cover side trips that do not exceed 30 days per policy or 49% of the total number of coverage days. If you take a side trip that is longer than what is permitted, your policy will be suspended while you are out of Canada. Once you return, your coverage will resume.  

Do travel advisories or country restrictions affect my visitor insurance?

Yes, official travel advisories affect the side trip component of a visitors to Canada plan. Side trips are when non-residents travel outside Canada, apart from their country of origin. If you travel to a country outside Canada for which the Canadian government has issued a travel warning or advisory, you will not be covered for any illness or injury that may have occurred in that region. In some cases, your policy might be terminated if you travel to a country for which the government has issued an advisory. 

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.

Do visitors’ insurance plans require a medical examination?

No, visitors’ insurance plans typically do not require a medical examination. Insurers may require a health questionnaire or declaration about pre-existing conditions, which helps them assess risk and determine coverage options.

Can I visit Canada without health insurance?

Yes, you can visit Canada without health insurance for visitors. But it is highly recommended that you get a visitors insurance plan to avoid paying exorbitant amounts for emergency medical treatment while you are in Canada. 

Can non-Canadian residents get free healthcare?

No. Non-residents in Canada do not have access to provincial healthcare. Only citizens and permanent residents are covered under Canada’s provincial healthcare.

Which is the best visitor insurance company in Canada?

Manulife, Tugo, GMS, Destination, Allianz, 21st Century, Secure Travel and Travelance are some of the top insurance companies in Canada that offer visitors to Canada insurance plans. 

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.

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.

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. 

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.

What are some common issues foreign workers face with health insurance in Canada?

Foreign workers who are looking for visitor health insurance in Canada may face issues such as complex eligibility requirements, coverage gaps, and financial barriers. 

• Coverage gaps due to eligibility rules: Provincial healthcare coverage varies by province, often requiring a waiting period (usually 3-6 months) before eligibility. Some workers may not qualify if they have short-term work permits or if they are in provinces with stricter criteria. During the waiting period, foreign workers may be left dependent on employee-sponsored insurance, which may not be offered by inadequate for comprehensive care
• Dependence on employers: Workers often rely on employers for healthcare information. In some cases, employers may not provide insurance during the waiting period, or workers may fear job loss or deportation if they seek medical attention

Can a non-citizen get health insurance in Canada?

Non-citizens are not eligible for provincial health insurance in Canada which solely covers Canadian residents. Non-residents such as tourists, foreign workers, international students, new immigrants, and work-permit holders can get visitor health insurance to cover emergency medical issues.

Who is eligible for health insurance in Canada?

Only Canadian citizens and permanent residents are eligible for provincial health insurance in Canada. International students and work permit holders may get provincial coverage but there will be a waiting period. Similarly new immigrants will have to face waiting periods before getting provincial coverage.

Non-citizens and visitors are not eligible for provincial health insurance in Canada under any circumstances.

Do I need provincial healthcare or visitor health insurance?

As a work permit holder in Canada, your healthcare coverage eligibility varies by province, so you need visitor insurance to protect yourself from unexpected medical expenses before the provincial coverage begins. Most provinces require work permit holders to have a valid permit for at least 6 months to be eligible for provincial healthcare. Visitor health insurance, however, can be bought even before you arrive in Canada.

Provincial healthcare coverage for work permit holders

Most provinces require work permit holders to have a valid permit for a specific duration (usually 6 to 12 months) and to maintain a primary residence in the province. Family members listed on the work permit may also be eligible for coverage.

• Provinces like Alberta, Manitoba, Nova Scotia, Prince Edward Island, and Newfoundland and Labrador allow immediate access to provincial healthcare upon arrival
• Provinces such as British Columbia, Ontario, and New Brunswick have waiting periods of 2 to 3 months. For instance, in British Columbia, coverage begins after the remainder of the month in which you arrive, plus two additional months

Provincial healthcare typically includes essential services like hospital stays, physician visits, and certain diagnostic tests.

Visitor health insurance for work permit holders

Work permit holders can purchase visitor health insurance even before they arrive in Canada. Visitor health insurance covers emergency medical expenses while work permit holders are waiting for provincial healthcare to start or if they are ineligible for provincial coverage.

• Inclusions: A visitor health insurance policy generally includes costs for hospitalization, doctor visits, ambulance services, and prescription medications. Coverage limits can range from $10,000 to $300,000
• Advantages: Many Canadian visitor insurance providers have direct billing arrangements with hospitals and established relationships, simplifying access to healthcare services

How can work permit holders get visitor health insurance?

To get visitor health insurance as a non-resident work permit holder in Canada, you need to determine the required coverage based on your age, health status, duration of stay, and any specific medical needs. You should also consider factors such as emergency medical coverage, prescription drugs, and coverage for pre-existing conditions.

We recommend that you speak with our insurance advisors to compare plans from across 30+ insurers in Canada. Our advisors help you review various plans, paying attention to coverage limits, premiums, deductibles, and exclusions, especially concerning pre-existing conditions.

Do temporary residents get healthcare in Canada?

Yes, in certain provinces, temporary residents, such as international students or workers on a work permit, may qualify for provincial health insurance, though this often involves waiting periods. For instance, provinces like British Columbia, Ontario, and Quebec generally impose a waiting period of up to three months before temporary residents can access public health coverage.

During this waiting period, or in provinces where they are ineligible, temporary residents are responsible for their own medical expenses, including hospital fees, even in emergencies.

It is highly advisable for temporary residents to purchase visitor health insurance to cover medical expenses during the waiting period or if they are ineligible for provincial coverage. 

Do new immigrants to Canada have to wait to get provincial health insurance?

Yes, new immigrants to Canada have to wait for 2-3 months before they can access provincial health insurance. During this period, immigrants are responsible for their own medical expenses.

However, Alberta, Manitoba, Nova Scotia, Prince Edward Island, and Newfoundland & Labrador allow immediate application for provincial coverage upon arrival. In British Columbia, Ontario, and Quebec, the 3-month waiting period for provincial health coverage makes visitor health insurance necessary.

British Columbia’s Medical Services Plan (MSP), Ontario’s Ontario Health Insurance Plan (OHIP), and Quebec’s Régie de l’assurance maladie du Québec (RAMQ) cover essential medical services but exclude things like prescription drugs and dental care. These additional expenses can be covered by a visitor medical policy.

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

Most provinces have a 1-3 month waiting period before coverage begins. For example, British Columbia, Ontario, and Quebec have a 3-month waiting period for provincial health coverage.

Should I get visitor health insurance while waiting for provincial coverage? 

Yes, visitor health insurance is crucial during the waiting period to cover expenses that provincial plans typically do not, such as emergency medical treatments, hospital stays, prescription drugs, dental care, and ambulance transportation.

It ensures that you are protected from significant out-of-pocket costs while you wait for provincial coverage to begin.

What happens if my work permit expires while I’m still in Canada? 

If your work permit expires while you’re still in Canada, you may lose health insurance coverage, so it’s important to renew your permit or secure other coverage options.

How to apply for provincial healthcare as a work permit holder?

You can apply for provincial healthcare using a valid work permit in Canada (minimum 6 to 12 months). To qualify for provincial health insurance in Canada, you are also required to maintain primary residence within the province and avoid frequent travel back to your home country.

The processing time typically ranges from 2 to 4 weeks, after which you’ll receive your health card by mail. Once approved, your coverage becomes active when you visit a doctor or hospital.

Are temporary foreign workers eligible for OHIP?

Temporary foreign workers in Ontario may be eligible for the Ontario Health Insurance Plan (OHIP) if they have a valid work permit for at least 6 months, work full-time for an Ontario employer, and reside in the province for at least 153 days annually.

There is usually a 3-month waiting period before coverage starts, during which workers should have visitor health insurance for emergencies. While OHIP covers basic services like doctor visits and hospital stays, it excludes prescription drugs, dental care, and ambulance transport. Employers must ensure adequate insurance during the waiting period.

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

Yes, cancelling your visitor health insurance plan for Canada and getting a refund is possible, but the terms for different insurers vary. Most providers offer full refunds if cancelled within the free-look period or before the policy starts. After coverage begins, you might receive a pro-rata refund for unused days, minus any fees.