What does MSH visitors to Canada Insurance cover?

MSH Discover Canada visitors to Canada insurance offers a comprehensive range of emergency medical benefits, with up to $1,000,000 in coverage. It includes benefits such as hospitalization, physician services, ambulance service, diagnostic tests, and maternity care.

Here’s a rundown of the MSH Discover Canada visitor to Canada insurance plan:

Advisor insight: MSH Discover Canada stands out because it combines one of the highest coverage limits available for visitors to Canada with benefits that many competing plans do not include, such as maternity coverage and psychiatric care. However, travellers with complex health conditions should pay close attention to the policy’s stability requirements and exclusions before purchasing coverage.

Pros and cons of MSH Visitors to Canada Insurance

Who is eligible for MSH visitors to Canada insurance?

Any non-resident of Canada between 15 days and 89 years old who meets MSH’s definitions and medical eligibility criteria and is not covered by a provincial health care plan can apply for the visitor to Canada plan. 

This includes tourists visiting Canada, new immigrants, Super Visa holders, work permit holders, and returning Canadians who are not currently covered by a provincial government health insurance plan (GHIP).

Who is not eligible for MSH Discover Canada visitor insurance?

You are not eligible for MSH travel insurance if you:

• Are 90 years of age or older on the policy effective date
• Are travelling against the advice of a physician
• Have been diagnosed with a terminal illness
• Have congestive heart failure
• Have new or undiagnosed symptoms requiring medical investigation
• Require assistance with activities of daily living (eating, bathing, dressing, functional mobility, and using the toilet) due to a medical condition or overall state of health

Does MSH Discover Canada visitor health insurance cover pre-existing conditions?

Yes, MSH Visitors to Canada Insurance offers coverage for pre-existing medical conditions that have been stable for 90 or 180 days, depending on age. Policyholders aged 70 and under have coverage for pre-existing conditions if they have been stable for at least 90 days, while those aged 71 to 80 require 180 days. Applicants above 80 do not have coverage for pre-existing conditions.

MSH visitors insurance considers a pre-existing condition stable if:

• You have not been hospitalized for the condition
• There has been no new diagnosis, treatment, or prescribed medication
• Your medication or treatment has not changed (other than routine insulin or generic substitutions)
• Your test results show no deterioration, and you have not experienced new, more frequent, or worsening symptoms
• You have not been referred to a specialist or are awaiting surgery or investigation results

How much does MSH Discover Canada visitor health insurance cost?

The cost of a visitor to Canada health insurance policy from MSH ranges from $130.20 to $281.10, depending on the age, coverage amount, duration, and health status.

Sample MSH visitor insurance cost (2026)

*Premium cost for $100,000 in coverage for a visitor to Canada insurance plan for 30 days

How to reduce the cost of MSH visitor health insurance?

To reduce your MSH Discover Canada Visitor to Canada Insurance premium costs, you can use  two primary methods:

• Apply as a family: Pay a family rate equal to 2× the premium of the eldest insured person
• Select a higher deductible: Choose a higher deductible to lower your premium by up to 45%.

A deductible is the amount you pay out-of-pocket toward eligible medical expenses before your insurance starts covering costs. As a rule of thumb, a higher deductible results in lower premiums.

See how your MSH Discover Canada visitor to Canada insurance premiums change with different deductible amounts:

*Note that all deductible options, including the no-deductible ($0) option, are available to applicants aged 70 and under. The $100 and $250 deductible options are not available to applicants over age 70. 

Can you extend MSH visitor insurance?

If you plan to stay in Canada beyond your current policy’s expiry date, you can purchase a new MSH Discover Canada policy to maintain your coverage. Essentially, it is not an extension of your existing policy but the purchase of a new policy. To avoid a coverage gap, you must apply before your current policy expires. Contact your broker or MSH directly to arrange your new policy.

You can purchase a new policy only under the following circumstances:

• You remain eligible for insurance
• You have not experienced any changes in your health since your effective date or arrival date
• The request for the new policy is received prior to the expiry date of your coverage
•  The required premium is paid in full 

It is worth noting that all policy exclusions, terms, and conditions will be based on the effective date of the new policy. Additionally, the cost to extend your insurance will be calculated based on your age on the effective date of the new policy, using the premium schedule in effect when the extension is requested.

In addition, MSH offers automatic extension of the policy for up to 72 hours at no extra premium. To activate this, you must notify Intrepid 24/7. Your policy automatically extends under the following circumstances:

• Travel delay: Your flight, bus, train, ferry, or other scheduled transportation is delayed beyond your control before your policy expires, and the transportation was due to arrive before the expiry date.
• Medical emergency: A covered sickness or injury makes you medically unfit to return home before your policy expires
• Hospitalization: You are hospitalized on your policy expiry date due to a covered sickness or injury. Coverage extends for the period of hospitalization plus 72 hours after discharge. 

How does MSH Discover Canada compare to other visitor insurance options?

Here’s a quick overview of the MSH visitor health insurance policy compared to similar policies offered by GMS, TuGo, Allianz, and others:

TuGo’s Trip Cancellation & Trip Interruption Insurance

TuGo offers non-medical travel protection through its Trip Cancellation & Trip Interruption Insurance. It helps protect the non-refundable costs of your trip if you have to cancel before departure or cut your trip short due to a covered event. 

Unlike most visitor insurance providers in Canada, TuGo is one of the few insurers that offers Trip Cancellation & Trip Interruption coverage as an optional rider alongside its Visitors to Canada insurance, making it a good choice for travellers seeking broader financial protection beyond emergency medical expenses.

Travellers have the flexibility to choose the level of protection between the two available options:

• Trip Interruption Insurance only: Covers unexpected interruptions after your trip has already begun 
• Trip Cancellation & Trip Interruption Insurance: Provides comprehensive protection by covering both trip cancellations before departure and trip interruptions after your journey has started.

The key coverage included under these non-medical options is as follows:

• Reimbursement of eligible non-refundable prepaid travel expenses if you cancel your trip before departure
• Coverage if your trip is interrupted, delayed, or cut short due to a covered event
• Protection for cancellations or interruptions caused by unexpected illness, injury, or death affecting you, your travelling companion, or eligible family members
• Coverage for unexpected medical emergencies, quarantine, and mandatory self-isolation
• Travel interruptions due to government advisories, cancelled flights, schedule changes, and tour cancellations
• Protection against natural disasters, travel visa denial, job loss or transfer, and certain pregnancy-related events

Cancel for Any Reason (CFAR) rider

Cancel for Any Reason (CFAR) is an optional rider available with TuGo’s Trip Cancellation & Trip Interruption Insurance. It gives travellers greater flexibility by allowing them to cancel their trip for reasons that are not covered under the standard policy.

To qualify, the add-on must be purchased within five days of booking your trip and making the initial payment, or before any cancellation penalties from your travel supplier apply, whichever comes first. If you cancel at least five days before your scheduled departure date, TuGo will reimburse up to 50% of your prepaid, unused, non-refundable travel expenses.

Does TuGo visitor insurance cover pre-existing medical conditions?

Yes, TuGo’s Visitors to Canada Emergency Medical Insurance can cover eligible pre-existing medical conditions, provided they have remained stable for a specified period before the policy’s effective date. The required stability period depends on the applicant’s age. If a pre-existing medical condition does not meet the applicable stability requirement, any claim related to that condition will not be covered.

Here’s how the stability period will vary based on the age:

Please note that those aged 79 and under may be able to purchase Optional Unstable Pre-existing Medical Condition Coverage. This optional coverage provides coverage for certain conditions that do not meet the standard stability requirements and reduces the stability period to 7 days.

Pros and cons of TuGo Visitor to Canada insurance

How much does visitor health insurance by TuGo cost?

The cost of TuGo visitor health insurance ranges between $87.90 to $435.24. The exact cost of visitor health insurance is, however, dependent on factors like age, health status, pre-existing conditions, and a few others.

TuGo visitor insurance costs (2026)

*These costs reflect $100,000 in coverage for a visitor travelling to Canada for 30 days. Please note that the actual costs may vary.

Are there any exclusions or limitations to TuGo visitor health insurance?

The TuGo visitor insurance plan does not provide coverage for all conditions. Here’s what will not be covered in its visitor insurance plan:

How does extending a visitor insurance policy actually work?

To extend your visitor medical insurance coverage, you need to follow a straightforward process with your current insurer. Here are the steps you need to follow:

• Confirm the eligibility: Check with the insurer if it offers an extension, and your current policy is still active
• Submit the extension request: Contact your insurer or broker and submit the request for extension before your policy expires 
• Disclose changes in health: If your health has changed, inform the insurer of the change
• Pay the premium: Complete the premium payment for the additional days. The cost of the extension will depend on factors such as the length of the extension, your age, and the coverage selected
• Get confirmation: Once the payment has been approved, you will receive a confirmation for the extension via your insurer

If you cannot extend your existing policy, you may be able to purchase a new visitor insurance policy from a different insurer to maintain continuous coverage. However, a new policy is treated as a fresh application and may include new eligibility requirements, waiting periods, deductibles, and pre-existing condition rules.

The three ways to extend the visitor insurance coverage

While extending your existing policy is often the simplest solution, there are three different ways to continue your visitor to Canada insurance coverage depending on your circumstances.

• Extend your policy before it expires: If your current policy is still active, you may be able to extend it with your existing insurer. This is the most straightforward option because coverage continues without interruption and is available with most of the insurers, such as GMS, Manulife, TuGo, and others
• Purchase a new policy before your current policy expires: If you want to switch insurers or adjust your coverage amount, deductible, or benefits, you can purchase a new policy that starts immediately after your current policy ends. Continuous coverage may help avoid waiting periods; however, the exact conditions may vary from insurer to insurer
• Purchase a new policy after your coverage has expired: If your policy has already expired or lapsed, the only way to regain coverage is through a new policy application. Any gap in coverage remains uninsured, and additional eligibility requirements may apply

What are the common reasons travellers extend their visitor insurance in Canada?

Travellers primarily extend their visitor insurance in Canada because they are staying longer than planned and need continuous protection against high emergency medical costs.

Here are the main reasons non-residents seek extensions to their visitor insurance policies in Canada:

• Family commitments: Many visitors stay longer to help care for grandchildren, support family members, or attend important family events
• Flight cancellations or travel disruptions: Airline delays, border issues, or schedule changes may require visitors to remain in Canada longer than anticipated
• Immigration or visa processing delays: Applicants awaiting work permits or permanent residence decisions often extend their stay and insurance coverage
• Health-related travel delays: A medical condition or a physician’s recommendation may make it necessary to postpone travel home

Which companies offer policy extensions for visitor insurance coverage in Canada?

Some of the top visitor insurance companies in Canada that let you extend your coverage include 21st Century, TuGo, GMS, and a few other insurers. Please note that for extension, the request must be submitted before expiry and is subject to insurer approval, eligibility requirements, health status, and claims history.

In the table below, we have listed the companies offering extensions and their limits:

What information do I need to provide to request an extension?

For your travel insurance extension in Canada, typically, you will need to provide your policy number, the reason for the extension, and any updates regarding your health status.

What happens if I have a pre-existing condition when I request an extension?

If you have developed new symptoms or received treatment during your original policy period, these may be classified as pre-existing conditions, which could affect your eligibility for an extension.

Will my deductible reset if I extend my policy?

The deductible may reset or carry over, depending on the specific terms of your insurance provider. You must clarify this with your insurer when requesting a travel insurance extension.

What are the benefits of extending my visitor insurance to Canada coverage?

Extending your visitor medical insurance ensures continued protection against unforeseen medical emergencies without a coverage gap. It helps avoid the need for a new medical assessment and maintains any pre-existing condition coverage from the original policy, depending on the insurer’s terms.

Can I extend my visitor insurance policy online, or do I need to contact the insurer?

Most insurers allow policy extensions to be requested either online through their customer portal or by contacting their customer service directly. However, you should always check your policy documents for the exact process.

What’s the difference between travel insurance extension in Canada and buying a new policy?

Travel insurance extension Canada maintains your existing policy terms and conditions, while a new policy may have different coverage limits, deductibles, or exclusions. Extensions are often more convenient and cost-effective for short-term stays.

When should I consider a new visitor medical insurance instead of an extension?

Consider a new visitor medical insurance policy if your health status has changed, you need different coverage limits, or your current policy has restrictions that a new policy wouldn’t have. Extending a visitor insurance policy typically does not allow you to get coverage for pre-existing conditions. 

What are the common mistakes to avoid when getting health insurance for visitors to Canada?

Many individuals make mistakes like underestimating their coverage needs or overlooking policy exclusions that can affect their coverage or even result in claim denials during a medical emergency. Take a look at some of the common mistakes to avoid while purchasing  medical insurance for visitors in Canada: 

• Underestimating coverage needs: Choosing a plan with insufficient coverage limits may expose you to high out-of-pocket expenses. To be on the safer side, opt for plans with a minimum coverage of $100,000 
• Overlooking policy exclusions: Individuals should carefully read through their insurance policies to be aware of any exclusions, such as routine checkups, preventive care, and maternity care, mentioned in the policy
• Not considering the trip duration: Selecting a policy that doesn’t match the exact length of your stay can leave you unprotected if your trip extends beyond the coverage period. Make sure your policy has room for coverage extensions
• Ensuring your family is covered: If you’re travelling with family, make sure you get medical insurance for your children who might be travelling with you
• Hiding your medical history: Failing to declare an existing health condition during the application process will void your entire policy when the insurer investigates your medical records during a claim.
• Buying after you arrive: Many insurers impose a waiting period of 48 hours to seven days for sickness-related claims if you buy the policy after landing in Canada. It is recommended that you purchase your policy before you fly to enjoy immediate coverage

How to choose the best travel medical insurance for visitors in Canada?

Choosing the best travel medical insurance for visitors in Canada starts with understanding your specific requirements. PolicyAdvisor’s licensed insurance advisors can help you compare plans from leading medical insurance providers and find coverage that best fits your needs. Our advisors can explain policies, review eligibility requirements, and help you determine the right coverage amount.

Whether you’re visiting family, travelling as a tourist, studying in Canada, applying for a Super Visa, or waiting for provincial health coverage to begin, our team can help you understand each policy’s benefits, limitations, exclusions, and overall value so you can choose a plan that suits your needs.

When is visitor insurance refundable?

Visitor to Canada insurance is refundable, but only under certain conditions and time limits.

1. Free look cancellation

Most Canadian travel insurance policies come with a standard 10 day free-look period starting from the exact date of purchase, not the date of travel. 

This window is designed to give you time to read through the policy wording and ensure the coverage limits, deductibles, and pre-existing condition clauses meet your specific needs.  

• Refund amount: 100% full refund of the premium. There are zero administrative fees.
• Eligibility: To qualify, you must request the cancellation within the free look period.
• How to claim: Simply notify your insurance provider within the 10 day window.

2. Official visa denials

This is especially useful for Super Visa applicants. Visa refusals are a common reason for cancellation. Insurers understand this and offer complete financial protection.  

• Refund amount: 100% full premium refund for super visa denials. Most insurers waive all administrative fees, though you must confirm this in your specific policy.
• Eligibility: The cancellation must ideally be requested before the policy’s effective start date.
• How to claim: You cannot simply tell the insurer your visa was denied; you must provide the official, formal refusal letter issued by Immigration, Refugees and Citizenship Canada (IRCC).

3. Trip cancellation before arrival

Sometimes travel plans change due to circumstances like flight cancellations, family emergencies, sudden health issues that prevent travel, or simply a change of mind. If your plans change and you cancel the trip before the start date, you can get a refund. 

• Refund amount: Full refund of the premium. However, if you are cancelling after the 10 day free-look period has expired, but before your travel date, some insurers may deduct a small administrative fee (usually around $25).
• Eligibility: The request must be received by the insurance company prior to the effective start date of the policy. Once the effective date passes, the policy is considered active, and full refund eligibility is lost.
• How to claim: A written request is usually sufficient for voluntary cancellations before arrival. If a medical emergency prevented you from traveling, providing a doctor’s note may help waive any administrative fees, depending on the provider.

4. Early return

If you arrive in Canada but decide to return to your home country early, you are not required to pay for insurance you are no longer using. You can cancel the active policy and receive a partial (pro-rata) refund.  

• Refund amount: A pro-rata calculation based strictly on the exact number of unused days remaining on your policy, minus an administrative processing fee.
• Eligibility: You are eligible for an early return refund if absolutely zero claims have been made on the policy (for most companies). If you made any medical claim during your stay, no matter how small the dollar amount, the remainder of your policy can become non-refundable. 
• How to claim: Insurers require proof that you have left Canada. You must submit a copy of your return boarding pass, electronic flight itinerary, and a photo of the physical exit/entry stamps in your passport.

5. Coverage under government plans

If your immigration status changes during your stay, such as receiving Permanent Residency (PR) or a qualifying work permit, you may become eligible for a Canadian provincial health insurance plan. Once your government coverage kicks in, you no longer need private medical emergency insurance.

• Refund Amount: A pro-rata refund for the unused days remaining on the policy, minus the standard administrative fee.
• Eligibility: Exactly like the early return scenario, you can only claim this pro-rata refund if you have not made a single medical claim during your time on the private policy.
• How to claim: You can provide official evidence of your transition to the public health system. This requires a copy of your new provincial health card or the official confirmation of enrollment/eligibility letter from the provincial health ministry. Any eligible refund is generally calculated from the exact date your government coverage becomes active.

General rules for all refunds 

1. Processing times: Once all required documentation is submitted and approved, expect the refund process to take between 7 to 15 business days (sometimes up to 30 days during peak seasons).
2. Payout method: Refunds are almost exclusively issued back to the original method of payment (e.g., the same credit card used to purchase the policy).
3. After a claim or policy expiry: Once you have submitted a claim, refunds are typically void. Also, after the policy’s coverage period has ended, no refund is possible.

How do refund policies differ across visitor insurance companies in Canada?

While most travel insurers in Canada would offer refunds for the above mentioned scenarios, the specific conditions, deadlines, and administrative fees are not the same across companies. 

The table below compares the refund rules of some of Canada’s leading visitor insurance providers.

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

If you’re looking for the best visitor insurance in 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 help you find a policy, both affordable and comprehensive. Schedule a call or start comparing customized quotes right away by clicking the button below.

Can I get a refund if my Canadian visitor visa is denied?

Most visitor insurance providers offer a full refund if your visa application is denied before coverage begins. You will usually need to submit an official visa refusal letter within the insurer’s specified deadline.

Can I cancel visitor insurance after arriving in Canada?

Yes, some insurers allow you to cancel your policy after arrival if you return home early or become eligible for a government health insurance plan. However, refunds are generally available only if no claims have been made.

Is visitor insurance refundable if I have already made a claim?

In most cases, no. Once a claim has been submitted, paid, or is under review, the policy becomes non-refundable. Some insurers may allow claim withdrawal, subject to fees and conditions.

What documents are required to request a visitor insurance refund?

Commonly required documents include a visa refusal letter, proof of trip cancellation, boarding passes, flight itineraries, proof of early return, or documentation showing eligibility for government health coverage.

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.

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 your policy’s coverage limits. This will fall under the reimbursement category, meaning you must submit receipts, invoices, and proof of payment to receive compensation. It is essential to file the claim as soon as possible after incurring the expense and to ensure you include all required documentation to avoid processing delays.

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.

Do I need to contact my insurer before seeking medical treatment?

Yes, you need to contact your insurer within the specified time set by the insurer. In a life-threatening emergency, seek medical care immediately and notify your insurer as soon as reasonably possible afterward. Failure to contact the insurer when required may affect how your claim is processed or reimbursed.

Will a visitor insurance claim affect future coverage?

Filing a claim does not usually affect your ability to purchase visitor insurance in the future. However, insurers may review your claims history and medical information when assessing future applications or coverage eligibility.

Where can visitors receive medical treatment in Canada?

Whether you are visiting Canada for a vacation, to spend time with family, or on a longer stay, you can access a variety of healthcare facilities when medical care is needed.

• Walk-in clinics: Walk-in clinics are suitable for non-emergency medical concerns and typically offer faster access to a doctor than a hospital
• Urgent care centres: Urgent care centres treat illnesses and injuries that require prompt medical attention but are not life-threatening. Depending on the nature of the medical condition and policy terms, visitor insurance may cover treatment received at urgent care centres if it qualifies as a medical emergency
• Emergency rooms: Emergency rooms provide immediate treatment for serious illnesses, injuries, and other life-threatening conditions. Visitor insurance is designed to cover eligible emergency medical expenses resulting from sudden and unforeseen illnesses or injuries
• Ambulance services: Ambulance services provide emergency transportation to the nearest appropriate medical facility when urgent medical care is required. Eligible ambulance charges related to a covered medical emergency may be reimbursed under visitor health insurance policies

How much does healthcare cost for visitors in Canada?

Healthcare costs can vary significantly depending on the province, hospital, and type of treatment received. Even a relatively minor medical emergency can result in hundreds of dollars in unexpected expenses.

For example, a visitor who requires emergency hospitalization may have to pay approximately between $4,000 and $4,500 per day for a hospital stay. Similarly, a single emergency room visit can cost as much as approximately $1,242. The actual amount will depend on the province, healthcare facility, and nature of the treatment received. Given these potentially high medical expenses, it is important to buy visitor insurance before travelling to Canada. 

How much does medical insurance for visitors to Canada cost?

The average cost of visitor insurance starts from approximately $69 per month for $100,000 in emergency medical coverage without pre-existing coverage. The cost is dependent on other factors such as age, trip duration, deductibles, etc.  This shows how paying a relatively affordable insurance premium can provide valuable financial protection against medical bills that could otherwise amount to thousands of dollars following an unexpected illness or injury.

What happens if a visitor has a medical emergency in Canada?

If you, as a visitor, experience a medical emergency while visiting Canada, seek immediate medical attention and contact your visitor insurance provider as soon as possible. Most insurers offer 24/7 emergency assistance services that can help coordinate care, confirm coverage, and guide you through the claims process.

With health insurance for visitors to Canada, you should follow these steps in case of a medical emergency:

• Contact your insurer’s emergency assistance centre within 24 hours of the medical emergency, or as soon as reasonably possible. The assistance team will verify your coverage, coordinate treatment, and help you avoid unnecessary out-of-pocket expenses.
• Keep your policy number and emergency assistance contact information readily available throughout your trip. You may need these details when seeking treatment or communicating with healthcare providers.
• Follow your insurer’s instructions regarding treatment and billing arrangements. Depending on the healthcare provider and your policy, eligible expenses may be covered through direct billing, where the insurer pays the provider directly, or reimbursement billing, where you pay first and submit a claim later.
• Retain all medical records, prescriptions, receipts, invoices, and proof of payment. These documents are required to support a reimbursement claim and help ensure a smoother claims process.

How do you pay for treatment with visitor insurance?

If you have visitor to Canada insurance, the way you pay for treatment will depend on your insurer, healthcare provider, and the nature of the medical emergency. The following are the two ways in which you can pay for the treatment:

• Pay upfront and claim reimbursement later: You can pay for treatment upfront and submit a claim to your insurer for reimbursement. To ensure a smooth visitor insurance claims process, it is important to keep all medical records, invoices, receipts, and proof of payment
• Direct billing by the insurer: In this, the eligible medical expenses are paid directly to the hospital, clinic, or health care provider. This can reduce or eliminate the need for large upfront payments during a medical emergency

What healthcare services are covered and not covered under visitor insurance?

Visitor insurance is designed to cover unexpected medical emergencies during your stay in Canada. However, coverage varies by policy, and certain healthcare services may be excluded.

Common inclusions are as listed below:

• Emergency medical treatment
• Emergency room visits
• Emergency diagnostic tests, such as X-rays and laboratory tests
• Prescription medications required for a covered emergency
• Ambulance services
• Emergency medical evacuation or repatriation

Common exclusions are as follows:

• Routine medical checkups
• Preventive healthcare
• Cosmetic procedures
• Elective treatments
• Dental care unrelated to an accident
• Experimental treatments

What coverage amount should visitors choose for healthcare expenses in Canada?

While the right coverage amount depends on factors such as age, health condition, trip duration, and budget, our advisors recommend choosing at least $100,000 in coverage to protect against unexpected medical emergencies. 

Here is a table illustrating the recommended coverage amount for different visitor profiles:

Do visitor health insurance plans cover pre-existing conditions?

Yes, some health insurance for visitors to Canada can cover pre-existing medical conditions, but coverage may vary. A few things to keep in mind when getting health insurance for pre-existing conditions are as follows:

• Check the stability period carefully: Most insurers only cover pre-existing conditions that have remained stable for a specific number of days before the policy start date. The stability period for most of the insurers, like Secure Travel and Destination Canada, is 90-180 days
• Disclose all medical conditions accurately: Providing incomplete or incorrect medical information can lead to claim denials or cancellation of coverage
• Know how insurers define unstable conditions: Recent changes in medication, new symptoms, medical investigations, or hospital visits may classify a condition as unstable and can affect coverage for pre-existing conditions
• Check age-based eligibility requirements: Coverage terms, premiums, and stability requirements may vary depending on the traveller’s age

Are pregnancy and childbirth covered under visitor insurance?

Most standard visitor insurance plans do not cover routine prenatal care, childbirth, or pregnancy-related expenses. However, some plans may provide limited coverage for unexpected pregnancy complications that arise after the policy takes effect. So, it is better to always review the policy wording carefully to understand what pregnancy-related expenses are covered and any applicable waiting periods, gestational age limits, or exclusions.

How to prepare for healthcare needs before travelling to Canada

To prepare for healthcare needs, the first and foremost thing is to get a visitor insurance policy beforehand. Once you have a visitor insurance policy, also remember the following tips:

• Carry digital and physical copies of your insurance documents and policy details
• Bring an adequate supply of prescription medications for the duration of your trip
• Save your insurer’s emergency assistance contact information for quick access during a medical emergency
• Keep a list of existing medical conditions, medications, and emergency contacts
• Research nearby hospitals, walk-in clinics, and healthcare facilities at your destination

If you are unsure which visitor insurance plan best suits your needs, our expert advisors at PolicyAdvisor will help you. Our advisors can compare plans from Canada’s leading insurers, explain coverage options, assess your healthcare needs, and help you choose an appropriate coverage amount based on your age, trip duration, and medical history. Schedule a call now!

Frequently asked questions

Do visitors get free healthcare in Canada?

No, visitors do not get free healthcare in Canada as they are not covered by provincial healthcare plans. Visitors are required to pay for medical treatment themselves unless they have private health insurance.

Can visitors go to a hospital in Canada?

Yes, visitors can receive treatment at Canadian hospitals, including emergency departments. However, they are generally responsible for associated medical costs if they do not have visitor insurance coverage.

Can visitors buy health insurance after arriving in Canada?

Many insurers allow visitors to purchase coverage after arrival. However, waiting periods may apply. For example, Manulife has a waiting period of 72 hours if the policy is purchased within the first 30 days after arrival. 

Is health insurance for visitors to Canada mandatory?

Health insurance for visitors to Canada for most tourists, but it is strongly recommended. Certain visa programs, such as the Super Visa, require proof of qualifying medical insurance.

What should I do if I become sick while visiting Canada?

Seek appropriate medical care based on the severity of your condition and contact your insurance provider as soon as possible if you have coverage. Your insurer may be able to assist with treatment arrangements, bill payments, and hassle-free claim settlements. 

What does the Travelance visitors to Canada insurance cover?

Travelance Visitors to Canada Insurance provides comprehensive emergency medical protection for visitors travelling to Canada. The plan provides up to $150,000 in coverage with various deductible options. It covers hospitalization in semi-private rooms, emergency physician services, diagnostic testing, and even prescription medications. 

Here’s a rundown of the Essential and Premier plans of the Travelance visitors to Canada insurance:

Pros and Cons of Travelance visitor to Canada insurance

How much does Travelance visitor health insurance cost?

The cost of a visitor to Canada health insurance policy from Travelance ranges from $102.30 to $585.90, depending on the age, coverage amount, duration, and health status. 

Sample Travelance visitors to Canada insurance cost (2026)

*Premium cost for $100,000 in coverage for a visitor to Canada insurance plan for 30 days

How to reduce the cost of Travelance visitor health insurance?

To reduce your Travelance visitor medical insurance Canada premium costs, you can utilize two primary methods:

• Apply as a family: Pay a family rate equal to 2× the premium of the eldest insured person
• Select a higher deductible: Choose a higher deductible to lower your premium by up to 45%.

A deductible is the amount you pay out-of-pocket toward eligible medical expenses before your insurance starts covering costs. As a rule of thumb, a higher deductible results in lower premiums.

See how your Travelance Visitor to Canada insurance premiums change with different deductible amounts:

Who is eligible for Travelance visitor insurance?

Any non-resident in Canada between 15 days and 85 years old who is not covered by a provincial health care plan is eligible for the visitor to Canada plan.  This includes tourists visiting Canada, new immigrants, Super Visa holders, work permit holders, and returning Canadians who are not currently covered by a provincial plan.

Who is not eligible for Travelance visitor insurance?

You are not eligible for the Travelance travel insurance under the following circumstances:

• Reside in a nursing home, assisted living facility, convalescent home, hospice, or rehabilitation centre 
• Require assistance with normal daily activities or have used home oxygen or taken prescribed oral steroids for a lung condition within the previous 12 months
• Have a surgically untreated aneurysm 
• Have a history of pancreatic cancer, liver cancer, metastatic cancer, or a kidney condition requiring dialysis
• Have undergone a bone marrow or organ transplant, or have a history of congestive heart failure or a terminal illness

You will also be ineligible if you received a diagnosis or treatment for two or more of the following conditions within the previous 12 months:

• Coronary artery disease (including heart attack or angina) or valvular heart disease
• Heart arrhythmia or respiratory conditions requiring daily medication
• Insulin-dependent diabetes, stroke, or transient ischemic attack (TIA), or aneurysm
• Blood clots or gastrointestinal bleeding

Does Travelance visitor health insurance cover pre-existing conditions?

Yes, the Premier plan of Travelance visitor health insurance may provide coverage for eligible pre-existing medical conditions that have been stable for 180 days. The plan does not cover any medical condition that remained unstable during the 180 days before the policy effective date. The essential plan does not cover any pre-existing conditions, regardless of the stability period.

However, the Premier plan of the Travelance insurance has certain conditions for coverage of stable pre-existing conditions:

Ages 69 and under

• Subject to a 180-day stability period
• Excludes any pre-existing condition that was not stable during the 180 days before the policy start date

Ages 70–79

• Subject to a 180-day stability period

The plan excludes the following conditions when they existed during the 180 days before coverage began:

• Heart conditions (e.g., heart attack, angina, arrhythmia, cardiac surgery)
• Brain conditions (e.g., stroke, TIA, aneurysm, seizure)
• Lung conditions (e.g., COPD, asthma, chronic bronchitis, emphysema)

Ages 80 and over

• Does not cover any pre-existing condition that existed during the 180 days before the policy start date

Are there any exclusions or limitations to Travelance visitor health insurance?

Yes, there are certain exclusions and limitations to the Travelance visitor health insurance. While the plans offer comprehensive emergency coverage, certain conditions and procedures are not covered. 

Here’s an overview of the general exclusions and limitations of the Travelance travel medical insurance:

How to extend coverage instead of cancelling?

If you are thinking about extending your coverage instead of purchasing a new policy, you can do so by contacting your broker before your current Travelance policy expires.

However, an extension to your Travelance Visitors to Canada Insurance is available only under the following circumstances:

• You have not reported a claim, nor do you have a claim or loss to report
• Your policy is still in force when you request the extension
• You pay the additional required premium
• Travelance does not allow extensions beyond 558 days from the original policy start date.

Note that the plan does not cover expenses related to medical conditions that exist when you apply for an extension. You must also disclose all relevant medical information when applying for an extension, since failure to do so will void it.

In some situations, Travelance may require approval before granting an extension. If your policy has already expired, you may not qualify for an extension and may need to purchase a new policy instead.

How to purchase Travelance visitor health insurance in Canada?

PolicyAdvisor’s licensed advisors help visitors find the right Travelance Visitors to Canada Insurance plan by comparing coverage limits, deductibles, and eligibility requirements based on their unique needs. Our advisors can also guide you through customizing your policy and monthly plans based on your age, health history, and travel plans.

Whether you are visiting family, applying for a Super Visa, or waiting for provincial health coverage to begin, our team can guide you through the policy’s coverage options, exclusions, and other provisions. 

Which visitor insurance exclusions can be covered with additional coverage?

Some exclusions in visitor health insurance can be waived or partially covered through riders. Insurance providers often offer optional riders that allow travellers to extend coverage beyond the standard policy limits or excluded conditions. 

• Unstable pre-existing conditions: While most insurers provide coverage for pre-existing conditions, a few insurers, like TuGo, offer coverage even if the conditions have not remained stable for a long period. TuGo offers a 7-day stability period rider to cover conditions that have remained unchanged for the last 7 days
• Adventure and sports activities: Activities such as skiing, snowboarding, hiking, or other recreational sports are excluded under standard coverage but can often be added through an optional sports rider. TuGo is the only insurer offering coverage for adventure activities through the Sports & Activities Coverage

Can you be refused visitor insurance coverage or have a claim denied?

Yes, it is possible for a visitor insurance application to be refused or for a claim to be denied if certain requirements are not met.

• Coverage denied: Some travellers may be refused coverage at the application stage due to factors that increase their insurance risk. These can include a complex medical history, advanced age, recent serious medical events, or a need for assistance with activities of daily living. In such cases, an insurer may decline to issue a policy or may offer coverage with limited coverage 
• Claim denied: Even if a policy is issued, claims can still be denied if the information provided during the application process is inaccurate or incomplete. One of the most common reasons for claim denial is non-disclosure of a medical condition. Insurers consider this a form of misrepresentation, which can result in the claim being rejected and no financial aid being offered 

To avoid claim issues, you should fully disclose any relevant medical information when purchasing  visitor medical insurance coverage

How to get the best visitor insurance policy in Canada?

Choosing the best visitor insurance policy in Canada is all about tailoring the coverage to fit your unique needs and circumstances. Start by assessing your personal health and any pre-existing conditions, as well as the activities you plan to enjoy during your stay.

Also, consider the length of your visit, whether it’s a short trip or an extended stay. Having the right level of coverage can protect you from unexpected medical costs, giving you the freedom to explore Canada without financial worry.

To get a customized plan with the lowest prices, connect with an insurance expert at PolicyAdvisor. We will help you find a one-stop solution for all your visitor insurance needs.

What does Allianz Visitors to Canada Insurance cover?

Allianz Visitors to Canada Insurance includes a comprehensive range of emergency medical benefits designed to protect travellers from unexpected health care costs while in Canada. With up to $500,000 in coverage, it includes emergency benefits such as hospitalization, physician services, ambulance service, diagnostic tests, and prescription drugs.

Here’s a rundown of the Allianz visitor to Canada insurance plan:

Advisor insight: Allianz’s biggest strengths are its high maximum coverage limit, strong emergency medical benefits, and reputable global brand. However, travellers with complex health conditions should pay close attention to the policy’s stability requirements and exclusions before purchasing coverage.

Pros and cons of Allianz Visitor to Canada Insurance

How much does Allianz visitor health insurance cost?

The cost of a visitor to Canada health insurance policy from Allianz ranges from $110.10 to $3,296.40, depending on the age, coverage amount, duration, and health status.

Sample Allianz visitor insurance cost (2026)

*Premium cost for $100,000 in coverage for a visitor to Canada insurance plan for 30 days

Who is eligible for Allianz visitors to Canada insurance?

Any non-resident of Canada between 15 days and 89 years old can apply for the visitor to Canada plan if they meet Allianz’s medical eligibility criteria and do not have provincial health coverage. Additionally, they need to be in good health at the time of the policy’s purchase and on the date they exit the country of origin.

The plan covers tourists, new immigrants, Super Visa holders, work permit holders, and returning Canadians who do not have provincial health insurance. (GHIP).

Who is not eligible for Allianz visitor insurance?

You are not eligible for Allianz travel insurance under the following circumstances:

• Have a terminal illness diagnosis or stage 3 or Stage 4 cancer
• Have received treatment for cancer within the past three months (except for basal cell skin cancer, squamous cell skin cancer, or breast cancer treated only with hormone therapy)
• Require assistance with activities of daily living due to a medical condition or overall state of health
• Are 90 years of age or older on the policy effective date

Does Allianz visitor health insurance cover pre-existing conditions?

Yes, Allianz Visitors to Canada Insurance offers coverage for pre-existing medical conditions that have been stable for 90 or 180 days, depending on age. Policyholders under 59 have coverage for pre-existing conditions if they have been stable for at least 90 days, while those aged 60 to 89 require a 180-day period.

Allianz considers a pre-existing condition stable if you:

• Have not started any new treatment for the condition, or show no deterioration in test or examination results
• Maintain the same treatment plan, with no changes to the type or frequency of treatment
• Experience no new symptoms and receive no new diagnosis
• Avoid hospitalization related to the condition, and are not referred to a specialist, awaiting surgery, or waiting for the results of further medical investigations

How to extend coverage instead of cancelling?

You can extend your coverage instead of cancelling only before you depart from your country or origin. Allianz treats any extension after departure as a new policy.

However, you must keep the following in mind:

• If you purchase coverage after leaving your country of origin, a 48-hour waiting period for sickness may apply
• Allianz reassesses all pre-existing condition exclusions and stability requirements based on the new policy’s effective date

How does Allianz compare to other visitor insurance options?

Here’s a quick overview of the Allianz visitor health insurance policy compared to similar policies offered by Manulife, TuGo, GMS, and others: