Benefits of Destination Canada’s visitor insurance to Canada

Some of the reasons to choose Destination Canada’s visitor insurance for Canada are as follows:

• High emergency medical coverage limits: Offers coverage options of up to $300,000 for emergency hospitalization, physician services, diagnostics, and medical treatments
• Emergency transportation benefits: Includes ambulance services, air evacuation, emergency return home, and transportation for a family member or friend during hospitalization
• Coverage for pre-existing conditions: The plan can cover stable pre-existing conditions, with stability periods based on the applicant’s age 
• Coverage for follow-up visits and prescription drugs: Covers follow-up medical visits (up to $3,000) related to the original emergency, along with drug or medication expenses coverage (up to $1,000)
• Dental emergencies: Provides up to $500 for relief of acute dental pain and for dental emergencies, except those caused by a direct blow to the face
• Side-trip coverage outside Canada: Covers emergency medical expenses during eligible trips outside Canada, provided at least 51% of the coverage period is spent in Canada

What does Destination Canada’s visitor health insurance plan cover?

Here’s a table outlining the coverage included under Destination Canada’s visitor medical insurance plan:

Destination Canada Visitor Medical Insurance Plan Coverage

How much does visitor health insurance from Destination Canada cost?

Visitor health insurance from Destination Canada can cost anywhere between $81-$478 for $100,000 in coverage for 30 days across different age groups. Here’s a table highlighting the costs:

Cost of Destination Canada’s visitor insurance

*These costs reflect $100,000 in coverage for a visitor travelling to Canada for 30 days, with separate rates for those without pre-existing conditions.

Are there any exclusions or limitations to Destination Canada’s visitor health insurance?

Yes, Destination Canada’s visitor medical insurance to Canada has certain exclusions, including coverage for routine health care, non-emergency or elective treatments, accidents involving high-risk activities, etc.

Here’s a glance at the coverage exclusions for Destination Canada’s visitor medical insurance policy:

Does Destination Canada cover pre-existing conditions?

Yes, Destination Canada visitor insurance covers eligible pre-existing medical conditions, provided the condition remains stable before the policy effective date. The required stability period varies by age:

• Ages 0-59: Stable for 90 days prior to coverage
• Ages 60-69: Stable for 120 days prior to coverage
• Ages 70-79: Stable for 180 days prior to coverage

Please note that for ages 80 and over, all pre-existing conditions are excluded from coverage.

Does Destination Canada offer monthly plans?

Yes, you can pay monthly for Destination Canada visitor health insurance if you purchase your policy with at least 180 days of coverage and a minimum aggregate limit of $50,000. 

You will need to pay a 2-month deposit plus a one-time $10 fee at application. A third month’s premium is due on the policy’s effective date, with subsequent monthly payments billed thereafter.

Is Destination Canada good for Super Visa Insurance?

Yes, Destination Canada can be a good option for Super Visa Insurance, especially for travellers looking for coverage for eligible stable pre-existing conditions up to the age of 79. The plan also offers competitive pricing for older travellers, with premiums for those aged 65-75 ranging from $215.70/month to $426.00/month with stable pre-existing condition coverage. 

Compared to several other leading visitor insurance providers in Canada, including TuGo, Travelance, and 21st Century, Destination Canada is often considered a more affordable option for Super Visa insurance. 

Secure Travel visitor insurance plan types at a glance

Choose Standard if you want core emergency medical coverage at a lower price and Enhanced if you want higher dental limits and additional travel‑assistance benefits.

Standard vs. Enhanced Plan

How much does the visitor health insurance by Secure Travel (RIMI) cost?

The cost of Rimi visitor health insurance policy varies between $90 to $300, depending on factors such as age, gender, and whether the individual has any pre-existing conditions. Some of the premiums may be as follows:

Secure Travel Premium Costs & Pricing (2026)

*These costs reflect $100,000 in coverage for a visitor travelling to Canada for 30 days, with separate rates for those without pre-existing conditions.

Are there any exclusions or limitations in my Secure Travel visitors to Canada insurance plan?

Secure Travel’s visitors to Canada insurance plan does not provide coverage for all medical expenses. Be sure to review these exclusions to stay well-informed.

Exclusions to Secure Travel’s visitor to Canada insurance

Types of health insurance for visitors to Canada

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

1. Visitors to Canada insurance

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

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

2. Super Visa insurance

Super Visa insurance is a medical policy required for parents and grandparents of Canadian citizens or permanent residents visiting under the Super Visa program.

Unlike standard visitor insurance, this coverage is a mandatory legal requirement for visa application and must meet strict criteria set by IRCC. Super Visa insurance must be purchased for at least one year with a minimum coverage amount of $100,000.

Is health insurance mandatory for tourists?

Health insurance is not legally mandatory for tourists in Canada in 2026, but it is strongly recommended. If a tourist gets sick in Canada, the Canadian government will not cover expenses related to hospitalisation, medication, or other medical services.

For instance, a single day in a Canadian hospital can cost thousands of dollars for uninsured visitors. Having visitor health insurance for your Canada trip can help protect you from these unexpected medical expenses. Note that for a Super visa, health insurance is a strict legal requirement for entry.

• Super Visa requirements: You must provide proof of a one-year medical insurance policy with at least $100,000 in coverage to be approved. As of 2026, IRCC now permits monthly payment plans for these policies, provided they meet all compliance standards.
• No provincial coverage: “Daily costs for an Intensive Care Unit (ICU) stay in provinces like Ontario and British Columbia can easily exceed $10,000. Because tourists are not covered by Canada’s publicly funded healthcare system, private insurance is a financial necessity.
• Avoid upfront costs: Many insurance plans feature “Direct Billing,” a system where the insurer pays the hospital or clinic directly. This prevents you from having to pay thousands of dollars out-of-pocket and eliminates the long wait for reimbursement.

What does visitor insurance in Canada actually cover?

Health insurance for visitors in Canada is designed to cover unforeseen medical emergencies rather than routine or elective care. Coverage typically includes emergency hospitalization, physician consultations, diagnostics (like X-rays and MRIs), and ambulance services.

Even if you have a pre-existing medical condition, you may still be covered, provided the condition is considered stable before your trip. In many cases, insurers define stability as having no major changes in medication, treatment, or symptoms within a specific period before travel. Some plans, such as those from TuGo, may even offer shorter stability periods, including options with just a 7-day stability requirement, making coverage more accessible for travellers managing existing health conditions.

However, it is equally important to identify the common exclusions, which generally include routine wellness checkups, and non-emergency procedures.

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

The following are average estimated rates for non-residents in major Canadian provinces in 2026.

Cost of tourist health insurance in Canada

The average cost of visitor health insurance for travellers to Canada typically starts from about $60 per month. Younger travellers (under 40 years) may pay between $60 and $85 monthly, while those aged 60 and above may see costs rise to approx $100 per month.

What are the best tourist health insurance providers in Canada?

In 2026, the best tourist health insurance providers in Canada are Allianz Global Assistance, Manulife, TuGo, and Destination Canada. For those seeking affordability and flexible payment options, Travelance and 21st Century are leaders in providing monthly installment plans, while TuGo remains the gold standard for travelers with stable pre-existing medical conditions.

• Allianz Global Assistance: Ideal for international students 
• MSH International: Great for travelers planning side trips
• Secure Travel: Known for its affordability and budget-friendly plans
• 21st Century: Offers companion discounts for additional savings
• Travelance: Provides monthly payment plans, making it easier for long-term visitors
• Destination Canada: Flexible monthly plans for added convenience
• GMS: Offers great pricing with various deductible options
• Manulife: Offers comprehensive coverage for medical emergencies
• Tugo: Provides coverage for unstable pre-existing conditions

How to choose the best tourist health insurance policy in Canada?

To choose the best travel policy, don’t just look at the premium price; also look for the below factors:

• Ensure the policy has a stability period (usually 90 to 180 days) that matches the traveler’s recent medical history. 
• Look for plans that offer Direct Billing, which prevents you from having to pay thousands of dollars upfront at a Canadian hospital.
• For seniors or those with chronic conditions, a “stable pre-existing condition” rider is the most important feature. 
• Choose a $0 deductible if you want the insurer to pay from the first dollar, or a higher  deductible to lower your monthly premium.
• Prioritize companies with 24/7 Canadian-based support and digital claim portals.

What are the steps to purchase tourist health insurance in Canada?

Purchasing visitor insurance in 2026 is a 100% digital process that can be completed in a few minutes. Always purchase your policy before landing in Canada to avoid the mandatory 48–72 hour waiting period for illness coverage.

• Gather Information: Have the traveler’s date of birth, travel dates, and medical history (medication names/dates) ready.
• Get Quotes Online: Use PolicyAdvisor tool to compare quotes from top 2026 providers like Allianz, Manulife, and TuGo.
• Select Add-ons: Choose “Pre-existing Condition” coverage or “Trip Interruption” riders if necessary.
• Complete the Application: Answer the medical questionnaire (usually required for ages 55+) honestly to ensure claims aren’t denied later.
• Payment & Confirmation: Select between monthly installments (available for Super Visas) or a one-time payment. Your policy documents and Confirmation of Insurance (COI) will be emailed to you.

How to file a claim for tourist health insurance in Canada?

Filing a claim is predominantly done through mobile apps and web portals. The “Golden Rule” is to contact your insurer before receiving treatment (unless it is a life-threatening emergency). This allows the insurer to approve the treatment and set up direct billing with the hospital.

• Notify the Insurer: Call the 24/7 emergency number on your policy card immediately. They will provide a list of “Network Hospitals” near you.
• Gather Documentation: Keep original itemized bills, physician reports (with a clear diagnosis), and pharmacy receipts. Credit card slips are not sufficient for claims.
• Submit Electronically: Use the provider’s app (like Manulife’s GEM portal or TuGo’s MyGo) to upload photos of your receipts and your entry stamp/boarding pass (to prove you were within your coverage dates).
• Wait for Assessment: In 2026, standard claims are processed within 10–15 business days. High-cost hospital bills are usually settled directly between the insurer and the facility.

Can I get health insurance in Canada as a visitor?

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

Can I enter Canada without health insurance?

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

Can non-residents get health insurance in Canada?

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

How much medical cover do I need for visiting Canada?

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

Can a tourist get medical treatment in Canada?

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

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

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

What is considered a pre-existing condition?

A pre-existing medical condition refers to any illness, disease, symptom, or injury for which you have been prescribed medication, received treatment, or undergone surgery before your insurance takes effect.

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

Health insurance for visitors to Canada with pre-existing conditions

Health insurance for visitors to Canada becomes even more important for travellers with pre-existing medical conditions. This is mainly because the medical treatment in Canada is expensive and can burn a hole in your pocket if you don’t have insurance. Thankfully, there are a number of insurance companies in Canada that offer coverage for pre-existing conditions to visitors. These companies include:

• TuGo
• Secure Travel
• 21st Century
• GMS

Common pre-existing conditions that may be covered include:

• Diabetes
• High blood pressure (hypertension)
• Asthma
• High cholesterol
• Thyroid disorders
• Arthritis
• Certain heart conditions
• Previous stroke (if stable)
• Sleep apnea
• Gastrointestinal conditions

Coverage is generally available only if the condition has remained “stable” for a specific period before the policy’s effective date. In most cases, this means there have been no recent hospitalizations, new symptoms, medication changes, treatments, or medical investigations related to the condition.

However, every insurer defines “stable” differently. For example, 21st Century has a stability period of 180 days; on the other hand, Allianz has 90 days (up to age 59) and 180 days (for ages 60-89). 

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.

Importance of visitor insurance for pre-existing conditions

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

Risks of travelling without adequate coverage

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

• Pre-existing conditions may be excluded from standard plans

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

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

Benefits of specialized insurance plans

• Tailored coverage for stable pre-existing conditions

• Access to emergency medical care without a financial burden

• Peace of mind for both visitors and their families

• Eligibility for refunds if travel is shortened or cancelled

What medical conditions do I need to disclose to buy visitor health insurance in Canada?

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 cancelled policies in the future.

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.

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 policies, companies like TuGo may offer these plans.

If you’re unable to get coverage for your pre-existing condition, you may have to proceed 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. TuGo has the shortest stability period of 7 days, while most of the other companies have a stability period of at least 90 days. 

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 and offer pre-existing condition coverage up to age 85 years, such as Manulife, while some offer only till 79, like Travelance. 

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 has 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 super visa insurance for your parents even if they are healthy?

Yes, it is mandatory to buy Super Visa 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.

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

Quick facts about Super Visa insurance

Best super visa insurance companies in Canada

Key changes to the Super Visa application in 2026

As of March 31, 2026, IRCC has introduced new income calculation rules for the Super Visa program, making it easier for eligible families to qualify for Super Visa insurance. Here are the updated rules for 2026:

• Hosts can now meet the minimum income requirement using either of the last 2 tax years, rather than only the most recent year. Earlier, only the most recent tax year was taken into consideration
• The income of the visiting parent or grandparent can now be added to help meet eligibility requirements in certain cases
• The Minimum Necessary Income is now set to LICO + 30% to account for the rising living costs

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 (Low Income Cut off Minimum (LICO))
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.

Super Visa insurance checklist: What you need to apply

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 or an insurer approved by the Office of the Superintendent of Financial Institutions (OSFI)

What is the LICO requirement for a Super Visa?

If you are applying for a Super Visa for your parents or grandparents in 2026, it is essential to meet the Low Income Cut-Off (LICO) requirements set by Immigration, Refugees and Citizenship Canada (IRCC).

These thresholds demonstrate that you have sufficient financial means to support your visiting family members during their stay in Canada.

The required income level depends on the total number of people in your family unit, including yourself, your spouse or common-law partner (if applicable), your dependents, and the parent(s) or grandparent(s) you wish to invite.

As per the new rules, effective July 29, 2026, individuals sponsoring the super visa program must meet the following minimum income requirements:

Note: Your family size includes yourself, your spouse or partner (if applicable), your dependents, and the parents or grandparents you’re inviting under the Super Visa. These amounts reflect the minimum income you must show through documents such as your Notice of Assessment (NOA), employment letters, or recent pay stubs.

Which are the best Super Visa Insurance providers in 2026?

In 2026, top Super Visa insurance providers in Canada include Manulife, Travelance, GMS, and Allianz. 

• Manulife: One of the most trusted names in Canadian insurance, Manulife offers flexible Super Visa plans with comprehensive coverage. Their plans are widely accepted by immigration authorities and provide 24/7 emergency assistance
• Travelance: Known for its affordable premiums and customizable coverage, Travelance offers two plan tiers (Essential and Premier), making it easier for applicants to choose based on budget and coverage needs. They also allow higher coverage amounts and pre-existing condition protection
• GMS (Group Medical Services): GMS provides competitive rates and excellent pre-existing condition coverage for those who meet stability requirements. Their policies are ideal for seniors and long-term stays, offering coverage periods of up to 365 days
• Allianz: As a global brand, Allianz offers strong international support and robust Super Visa policies. Their plans include emergency medical coverage, repatriation benefits, and optional pre-existing condition coverage

Our advisor’s take on super visitor insurance quotes in Canada

Choosing the best Super Visa insurance policy is not just about finding the lowest premium. The right plan depends on several factors, including the traveller’s age, medical history, deductible preference, stability period requirements, and whether coverage for pre-existing conditions is needed.

For travellers with pre-existing medical conditions, TuGo often offer competitive pricing and shorter stability periods. For monthly payment options, Travelance may provide such options along with broader medical coverage.

If you want to get the best super visa insurance quotes, speaking with a licensed advisor can help families compare plans based on both price and coverage quality, ensuring the policy meets IRCC requirements while also providing suitable protection during the visitor’s stay in Canada. Schedule a call now!

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 or any other insurer authorized by OFSI. 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 cancelled. And if that happens, you risk losing your visa altogether.

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 a 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.

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

Visiting Canada without insurance is risky as ICU stays cost $10,000 per day and major emergencies can exceed $26,000. At PolicyAdvisor, our experts reviewed and identified the top visitor insurance companies in Canada for tourists and Super Visa holders.

Best medical insurance companies for visitors to Canada include Allianz Global , Manulife , TuGo , Secure Travel , 21st Century , Destination Canada , GMS , MSH International , and Travelance. These insurers stand out for their strong coverage, competitive pricing, and reliable claims support.

Our licensed experts have analyzed every detail, from pre-existing condition coverage to specific deductible options to help you find the best travel insurance for visitors to Canada that balances comprehensive protection with affordable rates.

What are the best visitors insurance companies in Canada

Some insurers focus on comprehensive protection, while others offer lower premiums, flexible payment options, or added travel benefits. Below are our top-rated visitors insurance providers in Canada (2026).

1. Allianz: Best for international students 
2. Manulife: Best for comprehensive coverage 
3. TuGo: Best for pre-existing medical conditions 
4. Secure Travel: Best overall
5. 21st Century: Best for longer stays
6.  Destination Canada: Best for 0$ deductible
7. GMS: Best for pre existing condition
   
8. MSH International: Best for side trips
   
9. Travelance: Best for monthly payment plans

Common exclusions in Visitors to Canada insurance policies

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

How much does visitors health insurance cost?

Visitors health insurance premiums in Canada vary significantly based on age, health status, coverage amount, deductible and the duration of the trip, so a single fixed range can be misleading. Here is an example of a cost breakdown of different age groups with and without pre-existing health conditions:

What affects visitor insurance costs?

Several factors influence visitor insurance costs:

• Age: This is often the biggest driver. Premiums tend to jump at milestone ages (60, 65, 70, 75, etc.).
• Trip duration: Since you are insured on a per-day basis, a 365-day stay will naturally cost more than a 2-week visit.
• Coverage amount: A policy with a $1,000,000 limit will cost more than a $100,000 limit (though the price difference is often smaller than you’d expect)
• Health condition: Plans that cover “unstable” conditions are more expensive because the risk to the insurer is higher.
• Activities: Standard policies generally exclude “high-risk” activities. You’ll need a sports rider, which adds a surcharge to the base premium.  
• Deductibles: Choosing a $1,000 deductible can sometimes drop your premium by 20% to 30%, whereas a $0 deductible is the most expensive option.

Who should buy visitors to Canada insurance?

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

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

• Tourists & vacationers: A single night in a Canadian ICU can exceed $10,000 for non-residents. Standard travel insurance from their home country often has low limits or complex claim processes in Canada.
• Super visa applicants (Parents & Grandparents): This is a legal requirement. Proof of at least $100,000 in coverage for one year is mandatory. 
• International students: Most schools offer a health plan, but it usually only starts on the first day of the semester. VTC insurance is critical for the “gap” weeks between arrival and the start of classes.
• New immigrants & returning Canadians: Several provinces still have a 3-month waiting period (or “month of arrival + 2 months”) before provincial coverage (like OHIP or MSP) kicks in.
• Temporary foreign workers (TFWs): Under the 2026 TFW program rules, employers are legally required to pay for private emergency medical insurance for the worker during the provincial waiting period. Workers may still buy their own for family members or extra protection.
• Business travelers: Even if covered by a corporate plan, many business travelers buy VTC insurance to cover “bleisure” days. 

How to choose the best travel insurance for visitors to Canada

1. Assess your travel plans: A day in a Quebec or Ontario ICU can easily top $10,000 for non-residents. If you’re visiting these provinces, a $100,000 limit is the bare minimum.

2. Activity riders: Don’t just look for “sports.” Check if your plan covers “incidental” activities like skiing or hiking at high altitudes. Most standard plans exclude these unless you buy a specific Sports Rider.

3. Consider your health history: You must check the Stability Period. If your medication changed in the last 180 days, you are “unstable” by most standards. Look for plans like TuGo (which offers a 7-day stability option) if you’ve had a recent health change.

4. Compare coverage limits: If you are on a Super Visa, you must have at least $100,000 in coverage.

5. Check deductibles: A “Per Claim” deductible means you pay $500 every time you see a doctor. A “Per Policy” deductible (like those offered by Secure Travel) means you pay it once for the whole trip. Always aim for “Per Policy.”

6. Check waiting periods: If you buy the policy after landing, you’ll face a 48-hour to 7-day waiting period where you are not covered for illness. Buy at least 48 hours before your flight to ensure 100% coverage from the moment you land.

7. Consult a licensed advisor: PolicyAdvisor experts can help compare VTC policies and select a plan tailored to your visit.

Frequently asked questions

Can I visit Canada without medical insurance?

Technically, yes (unless you are on a Super Visa or certain work/study permits), but it’s a massive gamble. Non-residents are charged “private rates” at Canadian hospitals. A simple ER visit can cost $1,000, and an ICU stay can exceed $10,000 per day. Without insurance, you are personally liable for these costs.

When is the best time to buy my policy?

Before you fly. If you purchase insurance after you arrive in Canada, most insurers impose a waiting period (usually 48 hours to 7 days) during which you are not covered for any new illnesses. Buying before you depart ensures you are covered from the second you land.

What is the difference between a “Per Claim” and “Per Policy” deductible?

Under Per Policy, you pay the deductible once for the entire duration of your stay. Under Per Claim, you pay the deductible every single time you have a new medical issue. For long-term stays, always aim for a Per Policy deductible to avoid being “nickeled and dimed” by multiple small claims.

Does Super Visa insurance have to be for a full year?

Yes. IRCC requirements for 2026 strictly mandate a 365-day policy with at least $100,000 in coverage. Even if your parents only plan to stay for three months, the policy must be issued for the full year to satisfy the visa requirements. However, note that you can pay for the plan monthly.

I have high blood pressure; will I be covered?

Yes, provided your condition is “stable.” In insurance terms, “stable” usually means no new symptoms, no change in medication dosage, and no new treatments within a certain window (the Stability Period). This window is typically 90 to 180 days, though some providers like TuGo offer a 7-day option.

Does my insurance cover me if I take a quick trip to the USA?

Most Canadian visitor plans include Side-Trip Coverage for the USA or Mexico, as long as the majority of your trip (usually 51% or more) is spent in Canada. However, you are never covered in your home country.

Why is insurance for a 75-year-old so much more expensive?

Insurance is priced based on statistical risk. After age 70, the likelihood of a high-cost medical event (like a stroke or heart attack) increases. Using a higher deductible for older travelers help bring those monthly premiums down to a manageable level.

What is super visa insurance in Canada?

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

Super visa eligibility

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

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

What are the affordable super visa insurance options in Canada?

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

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

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

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

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

Do super visa insurance premiums increase every year?

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

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

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

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

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

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

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

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

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

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

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

Can I pay monthly for super visa insurance in Canada?

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

Frequently asked questions

What is a deductible?

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

How much visitor insurance do I need in Canada?

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

Is visitor insurance in Canada mandatory for non-residents?

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

Can I purchase insurance after arriving in Canada?

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

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

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

Are there any discounts on visitor health insurance?

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

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

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

Who is eligible for free health care in Canada?

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

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

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

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

What is visitor health insurance in Canada?

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

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

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

Which companies offer the cheapest visitor health insurance in Canada?

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

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

Cheapest visitor health insurance overall: Secure Travel

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

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

Key features of Secure Travel:

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

• Coverage for hospitalization, physician fees, and diagnostic services

• Direct billing with participating health care providers

• Optional accidental death and dismemberment coverage

• Multiple deductible options to lower premium costs

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

Why PolicyAdvisor recommends Secure Travel:

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

• Straightforward application process with fast policy issuance

• Flexible trip duration and coverage limits to match visitor needs

• Deductible choices that allow travellers to reduce premiums

Monthly premiums for visitor health insurance in Canada by Secure Travel

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

Cheapest visitor health insurance for older individuals: Travelance

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

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

Key features of Travelance:

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

Why PolicyAdvisor recommends Travelance:

• Among the most affordable plans for travellers over age 70

• Coverage options designed specifically for older individuals

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

• Offers flexible deductible options to reduce premium costs

Monthly premiums for visitor health insurance in Canada by Travelance

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

Cheapest visitor health insurance for pre-existing conditions: TuGo

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

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

Key features of TuGo:

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

Why PolicyAdvisor recommends TuGo:

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

• Transparent eligibility rules with defined stability periods

• Comprehensive emergency coverage tailored to visitors with chronic health needs

• 24/7 emotional assistance via Assistenza

Monthly premiums for visitor health insurance in Canada by TuGo

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

Cheapest visitor health insurance for monthly plans: Destination Canada

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

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

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

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

Why PolicyAdvisor Destination Canada:

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

• Competitive pricing for longer stays and extended visitor coverage

• Comprehensive emergency care benefits with flexible coverage limits

Monthly premiums for visitor health insurance in Canada by Destination Canada

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

Cheapest visitor health insurance for deductibles: GMS

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

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

Key features of GMS:

• Emergency medical coverage up to $150,000

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

• Optional benefits such as trip interruption and accidental death

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

• Fast and easy online application process

Why PolicyAdvisor recommends GMS:

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

• Wide range of deductible options to customize premium levels

• Reliable emergency medical coverage from a reputable Canadian provider

• Strong value for short-term visitors seeking cost savings

Monthly premiums for visitor health insurance in Canada by GMS

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

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

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

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

Key features of 21st Century:

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

Why PolicyAdvisor recommends 21st Century:

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

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

• Flexible options for deductibles and coverage limits

• Strong benefits package even for extended stays

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

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

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

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

Cost of visitor health insurance in Canada

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

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

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

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

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

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

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

Are there any discounts on visitor health insurance?

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

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

Choosing the right deductible: Balancing cost and coverage

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

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

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

Is visitor insurance mandatory for entering Canada in 2026?

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

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

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

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

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

Frequently asked questions

Are there any hidden fees in cheap visitor insurance plans?

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

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

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

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

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

What is the average cost of visitor health insurance?

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

Are there any discounts on visitor health insurance in Canada?

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

Can visitors to Canada buy health insurance?

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

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

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

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

How should I compare different visitor insurance policies?

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

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

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

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

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

Can I pay monthly for my visitor insurance policy?

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

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

What is Super Visa insurance in Canada?

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

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

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

Best Super Visa insurance companies in Canada (2026)

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

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

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

How much does Super Visa insurance cost in Canada?

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

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

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

Can I buy Super Visa insurance after arriving in Canada?

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

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

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

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

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

How to file a Super Visa insurance claim in Canada?

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

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

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

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

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

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

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

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

Are monthly payments available for Super Visa insurance?

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

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

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

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

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