What does visitor medical insurance in Canada cover?

Visitor insurance in Canada protects travelers from unexpected medical expenses during their stay, such as doctor visits, diagnostic tests, paramedical services, ambulance services, and more.

Here’s what most visitor emergency insurance plans cover:

• Consult doctors and physicians: Insurers pay for medical consultations and, in some cases, follow-up visits if a doctor deems them necessary
• Prescription coverage after emergencies: Insurance covers the cost of prescription medications when a licensed physician prescribes them for an emergency
• Diagnostic tests: Plans cover lab tests, blood work, X-rays, CT scans, and MRIs required to treat a medical emergency 
• Paramedical services: Policies reimburse the cost of treatment from licensed professionals such as physiotherapists, chiropractors, podiatrists, or massage therapists
• Care for pre-existing conditions: Some plans include limited coverage for stable pre-existing conditions, allowing visitors with ongoing health issues to receive treatment when needed
• Emergency dental treatment: Insurers cover dental care costs if a sudden accident or injury causes the need for emergency dental work or oral surgery
• Ambulance services: Visitor insurance plans pay for ground or air ambulance transportation to the nearest hospital in case of a medical emergency
• Repatriation: Insurance covers the cost to return the visitor to their home country due to a serious illness, injury, or death
• Extended stay expenses: If a doctor advises the visitor to remain in Canada longer than planned, insurance reimburses costs for hotels, meals, and local transportation
• Temporary childcare: Plans pay for temporary childcare if a hospitalized visitor cannot care for a dependent child
• Trip breaks or side trips: Some policies let visitors take short trips to another country or their home country without cancelling or interrupting their medical coverage

What are some common exclusions to visitor insurance in Canada?

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

Common exclusions to a visitor insurance plan

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

Who needs visitor health insurance in Canada?

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

Visitor insurance for international students in Canada

Insurance providers such as Secure Travel (RIMI), Tugo, and Travelance offer customized visitor insurance plans for international students on student visas in Canada. The cost of visitor insurance for international students in Canada ranges between $50 and $120. These prices are for a 30-day trip with $100,000 in coverage, depending on age and health. To get a student’s visitor insurance policy, applicants must be:

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

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

Visitor health insurance for foreign workers in Canada

Foreign workers on a work permit who are not covered under any government health plan or an employer-sponsored plan can benefit greatly from a health insurance for visitors to Canada policy. The cost of visitor health insurance for foreign workers in Canada typically ranges between $70 and $150 per month. These prices are for a 60-day trip with $100,000 in coverage.

Visitor insurance in Canada is especially important for:

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

Visitor insurance for returning Canadians

Canadians who have been living outside Canada for more than six months usually end up losing their provincial healthcare benefits. When they return to Canada, their government health coverage takes up to 2-3 months to be reinstated. This usually happens in provinces like Ontario, British Columbia, and Quebec.  For a 60-day stay with $100,000 in emergency medical coverage, the cost of visitor insurance for returning Canadians ranges between $60 and $130 per month.

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

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

Insurance for parents and grandparents of Canadian citizens

Super visa insurance is a special type of visitor health insurance that’s only available to the parents and grandparents of Canadian citizens or residents who are staying in the country for a long period of time. This health insurance covers any medical emergencies that happen during the visitor’s stay in Canada. For a 30-day trip with $100,000 in emergency medical coverage, Super Visa insurance costs typically range between $110 and $250.

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

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

Can I buy visitor insurance after arriving in Canada?

Yes, you can buy visitor insurance after you arrive in Canada, but most insurers apply a waiting period for illness coverage, usually between 48 hours and 8 days. During this time, the policy won’t cover any medical treatment related to illnesses. However, insurers start coverage for accidental injuries immediately once you purchase the policy.

Insurers also set a purchase window, typically requiring you to buy the policy within 30 to 45 days of your arrival. If you wait too long, you may not qualify for coverage or may face longer waiting periods and limited benefits. To avoid coverage gaps and delays, it’s best to buy your insurance as early as possible, ideally before you land in Canada.

How can I pay for Canadian visitors’ insurance?

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

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

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

Do visitors get free healthcare in Canada?

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

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

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

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

Is visitors’ insurance in Canada refundable?

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

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

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

Can I extend a visitor in Canada insurance plan?

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

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

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

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

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

Most companies offer two variants of policy options – one that includes pre-existing illness coverage and one that doesn’t. This ensures that young and healthy individuals can opt for visitor health insurance without pre-existing condition coverage, which has lower premiums compared to the policies covering pre-existing conditions.

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

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

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

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

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

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

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

Do travel advisories or country restrictions affect my visitor insurance?

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

How to get the best visitor insurance quotes in Canada?

To find the best visitor insurance quotes in Canada, you need to compare multiple plans based on your age, trip duration, medical needs, and visa requirements. Instead of navigating dozens of options on your own, let a licensed advisor guide you.

At PolicyAdvisor, we work with 30+ top Canadian insurers to help you compare rates, understand coverage details, and find the right plan for your situation, whether you’re visiting for a few weeks, applying for a Super Visa, or hosting family members. Speak with one of our expert insurance advisors today to get customized visitor insurance quotes and safeguard your travel to Canada.

Do visitors’ insurance plans require a medical examination?

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

Can I visit Canada without health insurance?

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

Can non-Canadian residents get free healthcare?

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

Which is the best visitor insurance company in Canada?

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

Monthly visitor insurance plans in Canada – What’s new in 2025

Visitor insurance in Canada has evolved significantly in 2025, with more providers offering flexible monthly payment visitor insurance options. 

Some of the key developments include: 

• Super Visa insurance monthly installments are now accepted by immigration authorities 
• Reduced setup fees for monthly visitor health insurance plans 
• Extended grace periods for missed payments on visitor insurance monthly plans
• New budget-friendly options for international students and temporary workers

How can I pay for visitors’ insurance in Canada?

When purchasing visitor insurance in Canada, you have two primary payment options: lump-sum and monthly payment plans. 

A lump-sum payment plan, as the name suggests, is when you pay the entire premium at the time of purchasing your visitor insurance policy. A monthly payment plan is a more flexible option where you pay the insurance premium in affordable monthly installments. 

Can I pay monthly for medical health insurance in Canada?

Monthly payment plans for visitor medical insurance allow you to spread the cost of the insurance over several months. This option can be more manageable for those on a budget or with a limited cash flow, as it breaks down the total premium into smaller, more affordable installments. 

It also provides flexibility for travellers who may not know the exact length of their stay in Canada, allowing them to adjust their coverage period as needed. However, due to the extended payment period, monthly plans might include additional fees or slightly higher premiums.

Can I pay for Super Visa insurance monthly?

Generally, Super Visa insurance requires a lump-sum payment upfront for the entire coverage period, typically one year, to meet the visa requirements. This is because Super Visa insurance must provide a minimum of $100,000 in emergency medical coverage for at least one year. 

Recent updates from the Canadian government allow for Super Visa insurance to be paid in monthly installments, although this option is currently limited to certain insurance providers.

The insurance premium must be fully paid by the time the individual arrives in Canada, either through a full annual payment or a deposit for a monthly payment plan.

What factors can impact monthly premiums for visitor insurance?

Several factors can impact the monthly premiums for visitor insurance in Canada, such as the visitor’s age, coverage amount, health status, length of stay, etc. Understanding these can help you make more informed decisions about your coverage. Let’s look at how different scenarios can affect what you pay:

Best monthly visitor insurance plans providers Canada: 2025 Comparison

When choosing monthly visitor insurance in Canada for 2025, it’s important to compare costs, setup fees, coverage limits, and unique advantages. 

Below is a quick comparison of the best monthly visitor insurance providers in Canada this year.

Best monthly visitor insurance plans’ providers in Canada 

Monthly visitor insurance by Canadian province in 2025

Monthly visitor insurance coverage varies by province due to different healthcare systems and regulations:

Ontario Monthly Visitor Insurance
Ontario visitors benefit from the most competitive monthly rates, with plans starting at $70/month. Toronto and Ottawa residents have access to the largest provider network.

British Columbia Monthly Plans
BC visitors can access specialized monthly plans through provincial partnerships, with enhanced coverage for outdoor activities popular in Vancouver and Victoria.

Alberta & Prairie Provinces
Monthly visitor insurance in Alberta offers competitive rates for oil industry workers and temporary residents, with plans starting at $75/month.

Quebec Monthly Visitor Coverage
Quebec’s unique healthcare system requires specialized monthly visitor insurance plans, available through bilingual customer service in French and English.

Atlantic Canada Monthly Options
Maritime provinces offer seasonal monthly plans ideal for temporary workers in the fishing and tourism industries.

How to choose the right monthly payment plan?

Choosing the right monthly visitor insurance plan in Canada ensures you’re protected without overspending. Here’s what to look for:

• Assess the visitor’s age, health status, and length of stay
  Choose plans with emergency medical, hospitalization, and prescription coverage
• Look for options that cover stable pre-existing conditions
• Schedule a call with an experienced advisor so you can compare insurers for pricing, refund rules, and claims support
• Read the fine print, check deductibles, cancellation terms, and exclusions

What is the application process for monthly payment plans?

Applying for a monthly visitor insurance plan in Canada is straightforward but requires attention to detail. Here are the steps to ensure approval and proper coverage.

• Choose a Canadian-licensed insurance provider offering monthly payment options
• Select the desired coverage amount and duration
• Fill out the online application form with visitor details
• Choose the monthly payment option at checkout
• Review and submit your application
  

Required documentation

• The visitor’s personal information (passport details, date of birth)
• Travel dates and Canadian address (if available)
• Payment method for recurring billing
• Medical history if applying for coverage with pre-existing conditions
  

Tips for a smooth application

• Apply at least a week before travel to avoid delays
• Double-check all entered details for accuracy
• Save a copy of the policy and payment confirmation
• Contact the insurer for help if unclear about medical questions or coverage terms

Get the most affordable monthly visitor’s insurance quotes in Canada

Finding the best visitor insurance quotes in Canada starts with understanding your specific needs and thoroughly researching different policies.

For those looking to simplify the search, turning to insurance experts like those at PolicyAdvisor can make the process seamless and easy. PolicyAdvisor offers personalized guidance, comparing a wide range of options to find the best match for your requirements and budget. 

Our expert team can help you navigate the fine print, ensuring you understand all policy details and avoid any expensive surprises. Let PolicyAdvisor take the guesswork out of finding the right visitor insurance, so you can focus on enjoying your stay in Canada.

Will I get a refund on my monthly payment plan in case of early departure?

Refunds for monthly payment plans for visitor insurance in Canada depend on the terms and conditions of your specific policy. Some insurance providers may offer a partial refund for the unused portion of your coverage if you leave Canada earlier than expected. 

However, this refund is often prorated and may be subject to certain conditions, such as providing proof of early departure and submitting a refund request within a specific time frame. Additionally, cancellation fees or administrative charges may reduce the refund amount. 

What happens if I miss a monthly payment?

If you miss a monthly payment on your visitor insurance plan, your coverage may be at risk. Most providers offer a grace period to make the payment without losing coverage. Your policy could lapse if payment is not made within this period, leaving you unprotected. 

Can I switch from a monthly payment plan to a lump-sum payment?

Yes, many insurance providers allow you to switch from a monthly payment plan to a lump-sum payment. However, this may depend on the terms of your policy and the provider’s rules. 

You may need to pay the remaining balance in full, and some providers might charge a fee for changing payment plans. It’s best to contact your insurer directly to discuss the options and any potential fees.

Which insurance providers offer monthly payment plans for Super Visa insurance?

Insurance providers that offer monthly payment plans for Super Visa insurance include Secure Travel, 21st Century, Destination Canada and Travelance.

These companies allow individuals to spread out the cost of their insurance, making it more manageable for visiting parents and grandparents who require long-term coverage under the Super Visa program.

Do I need to buy health insurance to travel to Canada?

While it’s not mandatory to buy health insurance to travel to Canada, it is strongly recommended. Canada’s public healthcare system does not cover visitors. Without any form of coverage, you will have to pay a substantial amount of money for medical treatment while in Canada. 

Having medical health insurance in Canada can provide coverage for all forms of emergencies, including hospital visits, and prescription medications, ensuring that you are financially protected during your stay. 

Can I cancel my visitor health insurance policy and get a refund?

Yes, in most cases, you can cancel your visitor health insurance policy and receive a refund depending on the free-look period, policy start date and reason of cancellation. However, the specifics will depend on your insurance provider’s policies.

How do cancellations before the policy’s start date work?

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

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

How do cancellations after the policy’s start date work?

If you cancel your policy after it has already started, you might receive a pro-rata refund. This means you’ll be refunded for the days of coverage you didn’t use. For example, if you purchased a 30-day policy and cancelled after 10 days, you would typically get a refund for the remaining 20 days, minus any applicable fees.

For instance, if you leave Canada early or become covered by a government healthcare plan, you can usually get a partial refund for the unused coverage, minus an administration fee. However, if you’ve already made a claim, you won’t be eligible for a refund. If you’d still like a refund, you can withdraw your claim for a fee, which is usually around $300 with most insurers.

What is a free-look period?

A free-look period is a grace period, usually 10-15 days from the purchase date, during which you can cancel your policy for a full refund, no questions asked. This period allows you to review the policy in detail to ensure it meets your needs before fully committing.

What are the most common reasons for cancelling visitor medical insurance?

Common reasons for canceling Visitor to Canada insurance include early return home, trip cancellation,visa issues or no longer needing coverage due to eligibility for provincial healthcare.

Here are some common reasons why you might need to cancel your visitor health insurance:

Changes in travel plans

• Early return home: You may need to cut your trip short due to personal reasons or emergencies, leading you to cancel your insurance policy
• Change in itinerary: Adjustments to travel plans, such as switching destinations or extending stays elsewhere, might prompt the cancellation of the current insurance plan

Health issues or emergencies

• Personal health issues: If you encounter a medical emergency or illness that prevents you from travelling, cancelling the insurance may become necessary
• Family emergencies: Serious situations involving family members, such as illness or death, may require changes in travel plans, leading to the cancellation of insurance

Visa denial or administrative issues

• Visa denial: When a visa application is denied, you will need to cancel your travel plans and the insurance policy
• Other administrative issues: Unexpected legal problems or changes in travel documentation can also result in the need to cancel insurance

How much do popular insurance providers charge for a refund request?

Visitor insurance refund fees range from $25-$250 depending on the company and type of policy. Here’s a comparison of the fees charged by each insurer for non-arrival and early departure scenarios for both regular visitor insurance and Super Visa:

Charges by popular insurance providers on refund request

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.

When should I purchase visitor health insurance for Canada? 

It’s best to buy your visitor health insurance before you arrive in Canada so that you’re covered from the moment you land. Purchasing early also lets you access additional coverage options.

Can I get a refund if I have filed a claim?

No, you are not eligible to get a refund for your visitor health insurance plan if you have already made a claim. However, if you’d still like a refund, you can withdraw your claim for a fee, which is usually around $300 with most insurers.

Can I buy visitor to Canada insurance after arriving in Canada? 

Yes, you can buy Visitor to Canada insurance after arriving in Canada. However, you must bear in mind there may be some waiting periods: Generally 48 hours for sicknesses if purchased within 30 days of arrival, and 7 days for sicknesses if bought more than 30 days after arrival.

Can I extend my visitor health insurance if I need to stay longer in Canada?

Yes, you can usually extend your visitor insurance if you need to stay in Canada longer. To do so, you must apply for the extension before your current policy expires, ensure there are no pending claims, and stay within the maximum coverage period allowed by your plan.

Can I get a refund on my Super Visa?

Yes, you may be eligible for a refund on your Super Visa insurance in specific cases. If your Super Visa application is denied, you can request a full refund before the policy’s start date by providing proof of refusal. Additionally, if you return home early or obtain Canadian government health insurance, you could receive a refund for the unused premium, provided you haven’t made any claims. For early returns under 365-day coverage, a partial refund may be possible if no claims were made, or if reported claims haven’t exceeded your deductible.

Frequently asked questions

Can I get health insurance in Canada as a visitor?

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

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

Can I purchase visitor insurance for Canada after I arrive?

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

Can I cancel the insurance and get a refund?

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

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

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

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

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

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

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

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

What are the limitations of visitors’ insurance policies?

In addition to exclusions, visitor insurance policies also come with certain limitations such as coverage limits, waiting periods, restrictions on specific health conditions, or limitations when it comes to partner hospitals that restrict the scope of coverage.

• Coverage limits: There are often maximum amounts the insurance will pay for a covered medical service. Coverage limits can range from $150,000 in the case of Manulife to $500,000 in the case of Allianz or Tugo. Some of the best visitor insurance companies in Canada, like RIMI-Secure Travel and MSH, offer coverage as high as $1,000,000. Once this limit is reached, the visitor must cover any additional costs
• Waiting periods: Most insurance companies have a waiting period on their visitor health insurance policy that generally varies from 48 hours to 8 days. However, the waiting period does not apply to claims related to accident/injury – clients are covered for accidents/injuries from the moment of purchase, except for Travelance, which imposes a 24-hour waiting period for accident/injury as well.
• Restrictions on specific ailments: Policies may limit coverage for certain conditions or treatments, particularly if they are deemed high-risk or require specialized care
• Limited network hospitals: Some insurance plans only cover treatment at specific hospitals or clinics within a designated network. Seeking care outside this network may result in reduced coverage or a complete denial of claims

What medical conditions should be mentioned when getting visitor health insurance for parents in Canada?

When you’re getting medical insurance for parents in Canada, it’s essential to mention any chronic illnesses, past surgeries or hospitalizations, and even mental health conditions to ensure proper coverage. Key conditions that you must disclose include:

• Chronic conditions: Conditions like diabetes, hypertension, asthma, or heart disease, which require ongoing treatment or medication
• Recent surgeries or hospitalizations: Any surgeries, hospital stays, or significant medical procedures in the past year
• Respiratory issues: Conditions like chronic obstructive pulmonary disease (COPD), bronchitis, or other breathing-related illnesses
• Cardiac conditions: Heart conditions, including heart attacks, arrhythmias, or strokes
• Kidney or liver diseases: Chronic kidney disease, liver conditions, or any issues requiring regular treatment
• Mental health conditions: Depression, anxiety, or any psychological treatments that are ongoing
• Cancer: Any history of metastatic cancer, including remission status
• Bone or joint issues: Conditions like arthritis or recent bone fractures

Can you be refused visitor to Canada insurance?

Yes, you can be refused access to avail the visitor to Canada insurance based on various factors, such as any undisclosed pre-existing medical conditions, high-risk health profiles, or advanced age. 

Insurers may also deny tourist medical protection coverage if applicants have a history of severe illnesses or require ongoing treatment that poses a significant risk. Additionally, people who live in rehabilitation centers, or old age homes or require assistance with conducting day-to-day activities may also be denied coverage.

Can you go to a hospital in another province in Canada?

Yes, you can go to a hospital in another province in Canada. However, if you are a resident of a different province, you may need to pay for services upfront, as public health insurance typically only covers services within your home province. 

To minimize costs, it’s advisable to carry your health card and check if your insurance covers out-of-province care. Visitors should ensure they have medical health insurance to cover potential medical expenses.

Is visitor insurance coverage denied if the traveller fails to disclose a medical condition?

Yes, insurance companies deny visitor emergency insurance coverage if travellers fail to disclose medical conditions when applying for visitor insurance in Canada. Insurers require accurate and complete information about all pre-existing or current medical conditions to evaluate risk and decide coverage terms.

If travelers omit or misrepresent their medical history, insurers treat this as misrepresentation or nondisclosure. When insurers discover this during a claim review, they can:

• Cancel the insurance policy without a refund
• Deny claims related to the undisclosed medical condition
• Refuse all claims under the policy, leaving the traveller responsible for all medical expenses

Most visitor insurance policies include a pre-existing condition clause that clearly states which medical conditions travellers must disclose. Failing to provide this information can cause serious consequences, including future difficulty obtaining insurance.

Being truthful during the application protects travellers from denied claims and unexpected medical bills during their stay in Canada.

Can exclusions be waived or covered with an add-on rider in visitor health insurance?

Yes, some exclusions in visitor health insurance can be waived or partially covered through add-on riders or supplemental plans. Insurance providers often offer optional riders that allow travellers to extend coverage beyond the standard policy limits or excluded conditions. For example:

• Pre-existing condition riders may provide limited coverage for certain stable medical conditions
• Adventure sports riders can cover injuries from high-risk activities like skiing or scuba diving
• Maternity or pregnancy riders may offer some coverage for pregnancy-related emergencies, although these are rare and limited
• Dental or prescription drug riders can add coverage for treatments usually excluded from basic plans

However, insurance companies cannot waive off all exclusions, and add-ons usually come with higher premiums and specific terms and conditions. Always disclose your medical history and travel plans accurately to get the right add-ons tailored to your needs.

Tips for choosing 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’ll help you find a one-stop solution for all your visitors’ insurance needs!

Can I extend my business travel insurance if my stay in Canada is prolonged?

Yes, most insurers, like Manulife and TuGo, allow you to extend your policy before it expires, provided no claims have been made. We recommend contacting your provider at least 48 hours before the policy ends to ensure continuous coverage, especially if your business meetings are extended.

Does business travel insurance cover multiple entries into Canada?  

Yes, frequent travellers can choose a multi-trip business travel insurance policy, which covers multiple short-term visits within a 12-month period. These visitors to Canada travel insurance plans suit executives or consultants who regularly visit Canada, saving time and money compared to single-trip policies.

What happens if I need follow-up care after I return home?  

Most visitor insurance plans cover only emergency care during your stay in Canada. However, some providers, like Allianz, offer limited follow-up care for treatments started in Canada, provided they’re medically necessary. We recommend always checking your policy details before travelling.

Can I buy visitor insurance after arriving in Canada?

Yes, visitor visa health insurance providers like TuGo and Travelance allow purchasing insurance after arrival, but a waiting period (e.g., 48 hours) may apply for non-emergency claims. Our experienced advisors recommend purchasing visitor insurance beforehand so you’re insured the second you arrive in Canada. 

Are travel vaccinations or preventive care covered under visitor insurance?

No, standard visitor insurance doesn’t cover routine services like vaccinations or check-ups. These policies focus on sudden illnesses or emergencies during your Canadian business trip.

What happens if I don’t have visitor insurance in Canada?

Without medical insurance for visitors, you’ll pay out-of-pocket for all medical expenses, which can range from $1,000 for a clinic visit to $10,000+ for hospitalization. This could disrupt your trip and budget.

Can I get coverage for high-risk business activities in Canada?

Yes, some visitor insurance Canada providers like TuGo offer coverage for higher-risk activities (e.g., site inspections), but you may need to declare these activities upfront to ensure protection.

What are some common reasons travellers extend their insurance coverage?

Visitors to Canada may need to extend their visitor health insurance coverage if they want to stay in Canada for a longer duration than initially planned. 

Here are the main reasons non-residents seek travel insurance extension for their visitor policies in Canada:

• Extended stay: A common reason for travel insurance extension is the desire to stay in Canada longer than initially planned. This might happen due to changes in travel plans, such as deciding to spend more time with family or friends, or wanting to explore more of the country
• Unexpected circumstances: Situations such as visa processing or immigration issues, unexpected flight delays or cancellations or medical emergencies that require the visitor to stay for longer than initially planned

How do I know if I’m eligible for extending my coverage?

Most insurance providers will extend your coverage, including super visa insurance extension, if you’re in good health and have no pending medical claims. Super visa holders must ensure extensions maintain the required $100,000 minimum coverage. If you have a pre-existing condition such as terminal illness, metastatic cancer, kidney failure etc or you are travelling against medical advice, your extension request may be denied.

Insurers typically extend visitor to Canada policies for a maximum of 1-2 years. To extend your medical emergency insurance policy with the same insurer, you must meet these core conditions:

• You should not have submitted or intend to submit any claims
• You must request the extension before your current policy expires
• You need to be in good health, with no changes in your health status, symptoms, or plans to seek treatment during the new coverage period
• Your age at the start of the extension must not make you ineligible for insurance with the provider
• You must pay the required premium for the additional coverage period

How do I extend my Canadian visitor insurance coverage?

To extend your visitor medical insurance coverage, contact your insurance provider through their customer service hotline or online portal, and provide your policy number, reason for extension, and current health status. 

You must ensure you apply for an extension before the expiration of your existing policy and review any changes in coverage, costs, and potential limitations for the extended policy period.

Are there limitations to extending my visitor to Canada insurance coverage?

Yes, limitations to extending your policy may include waiting periods imposed by insurers and pre-existing conditions. During this time, you may only be covered for accidents and injuries, not illnesses. 

• Pre-existing conditions: If you’ve experienced any symptoms or received treatment during your initial policy period, these may be considered pre-existing conditions which could affect the coverage available to you after the extension or be excluded in the extension policy
• Waiting periods: Some insurance providers may impose a waiting period before the extended coverage starts, especially if your health status has changed. For example, Manulife applies a waiting period if an extension is purchased after the expiry date of the existing policy

Should I purchase a new policy instead of extending?

In some cases, purchasing a new policy might be more advantageous than extending your current one because it may offer better rates or more suitable coverage options compared to an extension.

Additionally, if your health status has significantly changed, a new policy might provide terms that better align with your current situation.

If you find yourself confused, and not sure what to choose, contact us now! Our team of expert insurance advisors would be happy to go over the unique needs of your trip and give you personalized advice to find the best visitor insurance policy.

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.

Can I get emergency assistance while my extension is being processed?

As long as you request the extension before your current policy expires, you will typically remain covered during the processing period. However, claims for medical conditions arising before the extension request may not be eligible for coverage.

Can I extend my super visa insurance online?

Yes, most providers allow super visa insurance extension requests online through their customer portals. However, you must ensure the extension maintains the mandatory $100,000 minimum coverage required for super visa holders.

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 visitor medical insurance renewal instead of extension?

Consider visitor medical insurance renewal if your health status has changed, you need different coverage limits, or your current policy has restrictions that a new policy wouldn’t have. Renewal gives you a fresh start with current market rates and updated policy terms.

What are the types of tourist health insurance plans available in Canada? 

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

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

1. Visitors to Canada insurance

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

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

2. Super Visa insurance

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

Is health insurance mandatory for tourists?

Health insurance is not legally mandatory for tourists in Canada, but it is strongly recommended. Having visitor health insurance for your Canada trip can keep you protected against financial constraints, guaranteeing access to quality medical care as non-residents cannot avail public healthcare. Check out the reasons in detail:

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

What happens if a tourist gets sick in Canada?

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

Can I see a doctor in Canada as a tourist?

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

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

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

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

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

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

Is healthcare free for tourists in Canada?

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

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

Can I get health insurance in Canada as a visitor?

Yes, you can get health insurance through private visitor insurance 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?

When visiting Canada, it’s recommended to have visitors’ health insurance 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 Super Visa insurance?

Super Visa insurance is a specialized travel medical insurance policy required for parents and grandparents visiting Canada under the Super Visa program. This insurance provides financial protection against unexpected healthcare expenses during their stay and is a key part of the Super Visa application process. 

The Canadian government mandates strict coverage requirements to ensure that visitors do not burden the public healthcare system. A valid Super Visa insurance policy shows that the applicant is prepared for medical emergencies and meets all immigration health coverage standards.

Key features of Super Visa insurance:

• Minimum emergency medical coverage of $100,000: Every Super Visa insurance policy must offer a minimum of $100,000 in emergency medical coverage per person. This coverage includes doctor visits, ambulance services, hospitalization, prescription drugs during emergencies, and more
• Policy valid for at least one year: The insurance must be valid for a minimum of one year from the date of entry into Canada, regardless of the actual travel duration. This ensures coverage throughout the intended long-term visit
• Must include repatriation and hospitalization: Coverage must specifically include hospital care, health services, and repatriation (the cost of returning the insured person’s remains to their home country) in case of death
• Proof required for visa approval: Applicants must submit proof of Super Visa insurance at the time of visa application. The Super Visa insurance must include key details such as coverage amount, duration, and specific inclusions
• May offer coverage for pre-existing conditions: Many policies offer optional add-ons for pre-existing medical conditions, provided they are stable for a certain period (usually 90–180 days) prior to the policy’s effective date
• Refunds and policy cancellations available: Most Canadian insurers provide partial or full refunds if the government denies the Super Visa or if the visitor returns home earlier than expected. However, refund eligibility varies by provider and must meet specific terms and conditions
• Monthly payment options may be available: Some insurers allow monthly payment plans rather than requiring a lump-sum payment, though these options may come with administrative fees or slightly higher premiums

Is Super Visa insurance mandatory for entry into Canada?

Yes, you must purchase Super Visa insurance to enter Canada under the Super Visa program. Immigration, Refugees and Citizenship Canada (IRCC) requires every applicant to show proof of private medical insurance before they approve a Super Visa. Without valid insurance, you cannot receive approval or enter the country.

To meet the Super Visa insurance requirement, your visitor insurance policy must:

• Cover emergency medical care, including hospitalization and repatriation (the cost of returning your remains if you pass away in Canada)
• Offer at least $100,000 in coverage per person, as required by IRCC
• Remain valid for at least 12 months from the day you arrive in Canada
• Remain active on your arrival date, and you must include proof of coverage in your visa application

What are the new Super Visa insurance changes in 2025?

In January 2025, IRCC introduced two major changes that impact how Super Visa applicants can pay for and source their insurance coverage. These updates aim to provide families with more affordable options while ensuring policies still meet Canada’s strict regulatory standards. Some of the key changes to Super Visa insurance rules in 2025 include:

• IRCC now allows foreign insurance providers: As of January 28, 2025, Super Visa applicants can purchase private medical insurance from select foreign insurance companies, not just Canadian providers. This change helps families access more competitively priced plans, especially in countries like India and the Philippines
• Foreign policies must meet all IRCC coverage requirements: If a foreign company wants to issue Canadian Super Visa, the insurance plan must abide by a few rules, including:
  • Offer a minimum of $100,000 CAD in emergency medical coverage, including hospitalization and repatriation
  • Remain valid for at least one year from the planned date of entry
  • Come from an insurer that meets Canadian regulatory standards
• Only OSFI-approved foreign insurers are eligible:  To ensure consumer protection, IRCC requires that foreign insurers appear on the OSFI (Office of the Superintendent of Financial Institutions) list of federally regulated financial institutions. These foreign companies should also operate directly in Canada, not just through brokers or intermediaries

Did the rules about Super Visa insurance payments change in 2025?

No, the Canadian government did not introduce any new changes to Super Visa insurance payment rules in 2025. However, earlier updates in 2022 and 2023 significantly impacted how applicants can pay for their medical insurance.

In August 2022, IRCC briefly required Super Visa applicants to pay the full annual premium upfront. During that period, if an applicant didn’t pay in full, border officers could deny entry. This created stress for many families who found it financially burdensome to make large, lump-sum payments.

Fortunately, by December 2022, IRCC reversed that policy. You can now pay for Super Visa insurance in monthly installments, as long as your insurer offers that option. This change remains in effect and continues to benefit families who prefer more flexible and affordable payment plans.

How much does a Super Visa insurance cost monthly in Canada?

The cost of affordable Super Visa insurance depends on factors like the applicant’s age, health status, deductible amount, and the chosen coverage level. For a 12-month policy with $100,000 in coverage and a $1,000 deductible,the monthly cost of visitor insurance premiums typically range from $92 to $226. Older applicants pay significantly more due to increased health risks.

Monthly cost of Super Visa insurance in Canada

*Monthly quotes based on a 365-day Super Visa insurance policy with $100,000 in coverage and a $1,000 deductible

How to get the best Super Visa insurance quotes in Canada?

To get the best Super Visa insurance quotes in Canada, you need to actively compare plans based on premiums, coverage, deductibles, and refund flexibility. PolicyAdvisor streamlines this process by providing access to quotes from over 30 top Canadian insurers. You can compare plans side by side, filter based on your preferences, such as monthly payments or pre-existing condition coverage, and choose the one that fits your family’s needs.

Our licensed insurance experts guide you through the entire purchase process, answer your questions, and help you clearly understand policy details. Even after you buy a plan, our dedicated after-sales support team remains available to assist with cancellations, claims, or changes, ensuring peace of mind throughout your stay in Canada. Schedule a call with us today to lock in affordable visitor insurance prices!

Frequently Asked Questions

Can a relative buy Super Visa insurance for me?

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

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

Is Super Visa insurance refundable?

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

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

The few exceptions would be:

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

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

How long does it take to get Super Visa insurance?

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

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

Are monthly payment options available for Super Visa insurance from foreign providers?

Yes, some foreign insurance providers approved by the Canadian government may offer monthly payment options for Super Visa insurance. However, this depends entirely on the individual insurer’s policies and whether they operate in compliance with Canadian regulations. 

While Canadian insurers commonly offer monthly plans, not all foreign insurers provide the same flexibility. Applicants should verify payment terms directly with the foreign insurer before purchasing a policy.

Why is super visa insurance so expensive?

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

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

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’re applying for a Super Visa for your parents or grandparents in 2025, it’s 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.

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.

Is Super Visa insurance mandatory?

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

How much Super Visa insurance coverage do you need?

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

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

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

Which are the best Super Visa Insurance providers in 2025?

In 2025, 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 optional coverage for stable pre-existing conditions. 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

These providers are recognized by IRCC, offer coverage up to $100,000 or more as required for Super Visa approval, and provide customizable options for families with varying health needs. 

How to find the best Super Visa insurance quotes

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

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

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

Frequently asked questions

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

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

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

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

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

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

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

Can you get a refund for Super Visa insurance?

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

Can you cancel Super Visa insurance?

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

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

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

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

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

Does Super Visa insurance cover dental treatment or dental emergencies?

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

How long does Super Visa insurance coverage last?

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

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

Why is Super Visa insurance so expensive?

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

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

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

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

Does Super Visa insurance cover doctor visits?

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

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

Which providers offer Super Visa insurance?

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

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

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