Visitor Insurance Archives

Visitor to Canada insurance is generally refundable. Whether you get all of your money back or a portion of it depends entirely on your timeline and whether you have used the policy.

1. Full Refund: Granted if you cancel within the 10-day free-look period or if your Canadian visa is officially denied.

2. Partial Refund: Available if you return home early or get provincial coverage, provided zero claims have been made.

3. Non-Refundable: Once any medical claim is filed, the policy generally cannot be refunded.

However, the exact rules vary by insurer, so always check your policy wording.

Traveller's age (in years)

Trip duration (in days)

Stable pre-ex condition

Yes

No

Coverage amount

✓ $0 Deductible

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✓ $250 Deductible

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✓ $500 Deductible

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When is visitor insurance refundable?

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

1. Free look cancellation

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

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

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

2. Official visa denials

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

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

3. Trip cancellation before arrival

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

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

4. Early return

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

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

5. Coverage under government plans

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

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

General rules for all refunds

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

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

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

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

Provider	Free look cancellation	Official visa denials (with IRCC proof)	Trip cancellation before arrival	Early return	Coverage under government plans
Manulife	10 days from purchase; full refund if not departed and no claims in progress.	Full refund. Written request + IRCC denial letter required	Written request with proof of non-arrival; no separate change-of-mind schedule outside the 10-day window	Refund of unused days (min $25) if you return home before scheduled return date	Refund of unused days (min $25) when you obtain Canadian provincial/territorial government health coverage
21st Century	No 10-day free-look period	Full refund if coverage hasn’t started. Written request + proof of denial within 30 days	$250 processing fee if policy was issued to satisfy visa requirements; may require proof no visa application is still pending	Refund of unused premium with proof you left Canada/ $25 min premium + $25 processing fee, prorated	Not specified by the company
Travelance	10-day free look period; full refund of premium before period of coverage	No fee. Evidence of travel-visa denial required. Refund request within 30 days	$250 fee if cancelling before leaving home country for a reason other than visa denial/ineligibility	$50 fee for early return home before expiry. ($250 fee if cancelling but staying in Canada.) No refund once a claim is submitted	$50 fee if becoming insured under a Canadian federal/provincial/territorial health plan
Destination Canada	No 10-day free look period	Full refund considered when entire trip canceled prior to effective date due to visa denial	$150 fee on a 1-year consecutive policy cancelled before effective date with no visa-refusal proof	Partial refund if you return to your country of origin early; calculated from date request is received, $25 admin fee + $25 min refund	$25 admin fee + $25 min refund; no refund if claim incurred/paid/pending
TuGo	10-day full refund period; full refund within 10 days of application, no travel taken	Full refund due to visa denial before effective date; refund less administration fee after. Request within 90 days of expiry	$250 cancellation fee, no travel taken	Partial refund (less admin fee) from date of early departure home or cancellation-request date; within 90 days of expiry, proof required	Refund from date you become eligible/covered under a provincial/territorial government health plan; within 90 days of eligibility
Secure Travel (RIMI)	Cancel within 10 days of purchase for full refund, before effective date	Full premium refunded less administration fee before effective date. CIC proof required	Cancellations before effective date refundable less an administration fee	Pro-rata refund if you must return to your country of origin before the scheduled return date; written request within 60 days	Pro-rata refund if you become eligible/covered under a government health plan during coverage; within 60 days of eligibility
MSH International	No 10-day free-look period	Full refund with satisfactory proof; request within 60 days of denial date) For visitor visa under late-arrival/general cancellation: pro-rata refund less $25 admin fee	$250 cancellation fee if satisfactory proof of Super Visa denial is not provided	Pro-rata refund of unused portion. $25 administration fee on all partial refunds	$25 admin fee on partial refunds; no refund if claim paid/pending; none issued under $20
GMS	10-day free look period; refunded if returned within 10 days after you receive the policy contract	Full refund with proof of declined visa application (any visa type), admin fee deducted. Visa decline letter required	Partial refund (with admin fee) when request received after effective date and no travel taken	Partial refund (with admin fee) when returning to country of origin. Calculated from departure date	Partial refund (with admin fee) when becoming eligible under a government health plan. No refund if claim reported/requested after expiry
Allianz	10 days free look period from purchase. Full refund of premium if not departed and no claim event	General premium refund provisions but refund fee may apply	Refund payable from date Allianz receives the request, refund fee may apply	Partial refund if you return to country of origin early; refund fee may apply	Refund if you become insured under a Canadian provincial plan; refund fee apply; amounts under $20 not issued; no refund if claim made

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Can I cancel a monthly insurance plan and get a refund?

Yes, you can cancel a monthly insurance plan (commonly used for Super Visa insurance), but your refund eligibility depends on the insurer’s cancellation terms. If you return home early without filing any medical claims, you may be eligible for a refund of the unused premium and future monthly payments may stop. If a medical claim has been paid, refunds are generally not available.

Some monthly-payment Super Visa policies are annual contracts financed through monthly installments, in which case the insurer may require payment of the remaining annual premium after a claim. Others may have different cancellation terms. The exact rules vary by insurer and policy contract.

Can I get a refund on my visitor medical insurance if I’m pregnant and can’t travel?

Yes. If your physician advises against traveling due to pregnancy complications or health risks, this is treated as a trip cancellation before arrival. As long as the cancellation request is submitted before the policy’s effective start date, you may receive a full refund of your premium.

Providing a formal doctor’s note along with your cancellation form will ensure a smooth process and typically helps your insurer waive any standard administrative fees.

What happens to my refund if I decide to withdraw my visa application voluntarily?

Unlike an official visa denial by the IRCC, which automatically qualifies you for a 100% penalty-free refund, voluntarily withdrawing your application is treated differently by insurers.

If you withdraw your application after your policy’s 10 day free-look window has passed, several companies may charge you a higher admin fee (often between $200 and $250) to cover administrative, underwriting, and processing costs or deny the refund entirely. Always check the specific wording of your plan regarding voluntary withdrawals before canceling.

Can I get a refund if I made a claim but have months of insurance left?

In most cases, you won’t get a refund even if a minor claim is made. However, certain companies offer rare exceptions. For example, under Manulife’s Visitor to Canada plans, you can actually request a partial refund even with claim activity, though it comes with heavy fees:

If a claim is withdrawn: You can get a refund for your unused days, minus a $300 file handling fee per claim.
If a claim is officially denied: You can request a refund for the remaining days, minus a $500 file handling fee per claim.
If a claim was already paid: The total dollar amount paid out by the insurer is subtracted from your remaining pro-rata refund balance.

What happens to the refund if the insured person passes away?

If the insured individual passes away during their stay in Canada, the policy is immediately terminated. The estate executor or family can claim a pro-rata refund for the remaining unused days of the policy.

To process this, insurers will require a completed claim form from the executor, a copy of the death certificate, and occasionally a coroner’s or police report depending on the circumstances. Like early returns, the refund is typically calculated from the date of passing, provided no prior medical claims were paid out.

Can I get a refund for the days I spend visiting the United States during my trip?

No, you cannot get a partial refund for temporary side trips outside of Canada. Many companies (like Allianz, TuGo, and Destination Canada) will actually keep your emergency medical coverage active while you take brief vacations to the U.S. or Mexico, provided the majority of your trip is spent in Canada.

Because your coverage remains live and protects you across borders during these side trips, insurers will not “pause” your policy or refund you for the specific days you were physically outside of Canadian borders.

How to claim your visitor to Canada insurance refund: Steps & documentation

Check your policy: Review your cancellation or refund terms. Note any deadlines as most providers give you a strict window of 30 to 60 days from the date of the visa refusal or your flight home to formally submit your refund request and provide your proof.
Prepare documentation: Commonly required documents include:

Visa denial letter: If your visa was refused, scan or copy the official refusal letter from IRCC or the consulate.
Proof of trip cancellation or change: If you cancelled your trip for other reasons, provide evidence (airline/travel agency cancellation confirmation, etc.).
Proof of departure: If you left Canada early, include boarding passes, flight tickets or airline itinerary, or passport exit stamp showing the date you left.
GHIP confirmation: If you became eligible for government health coverage, provide the enrollment confirmation or coverage start date.

Submit a written request: Contact the insurer or your broker in writing (email is usually fine). State clearly that you wish to cancel your visitor insurance and request a refund. Include your policy number, the reason for cancellation, and attach the relevant documents.
Receive your refund: If approved, the refund will be credited to your credit card or original payment method. You should get a notice of approval first. If the insurer rejects your request, you can ask for an explanation and review your policy wording.

Can a visitor insurance refund request be rejected?

Yes, refund requests for visitors to Canada insurance can be rejected in certain cases such as active claims, expiration of free-look period or other invalid reasons for cancellations. Here are some situations where a visitor health insurance refund might be denied:

Claims filed: The moment you file a claim, whether for a $20,000 hospital stay or a $50 prescription, your policy becomes non-refundable for most companies. You forfeit any pro-rata refund for your unused days when you return home early.
After free-look period: Insurers treat this as a voluntary cancellation, which often results in the insurer charging a higher admin fee (commonly between $200 and $250) or denying the refund altogether.
Missing the submission deadline: Once you depart Canada early or receive a visa denial, you should submit your formal cancellation request and supporting documents within 30 to 60 days (depending on your specific provider), else your right to a refund is forfeited.
Installment and processing fees: If you purchased a Super Visa policy on a monthly installment plan, insurers usually charge a monthly installment fee ($10 to $15 per month) or an upfront processing fee. Even if your visa is denied and your core premium is refunded in full, these fees are typically non-refundable.
Temporary trips outside of Canada: If you take a two-week vacation to the United States or travel back to your home country temporarily with the intention of returning to Canada, your policy must remain active. You cannot request a pro-rata refund for the temporary days you spent outside Canadian borders.

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Frequently Asked Questions

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

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

Can I cancel visitor insurance after arriving in Canada?

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

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

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

What documents are required to request a visitor insurance refund?

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

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A visitor insurance claim is a request for benefits under your policy. Depending on the situation, your insurer may pay the healthcare provider directly or reimburse you for eligible expenses you’ve already paid. If you need medical treatment while visiting Canada, contact your insurer or emergency assistance provider as soon as possible, keep copies of all medical records and receipts, and follow the claims process outlined in your policy. Submitting a completed claim form with supporting documents within the required timeframe improves the chances of a successful claim.

What should you do before filing a visitor insurance claim?

Filing a visitor health insurance claim can be smooth if you are well-prepared. Before you even begin, it is important to understand your policy’s terms, coverage limits, and required documentation. Here’s a quick visitor insurance claim checklist:

Review your coverage and exclusions: Review your visitor insurance policy’s exclusions, deductibles, coverage limits, and eligibility requirements to understand what expenses may be covered. This can help you avoid unexpected out-of-pocket costs if certain treatments or conditions are not covered
Check the claim submission deadline: All insurers require claims to be reported and submitted within a specified timeframe. Filing after the deadline may result in a denied claim, even if the expense would otherwise be covered
Direct billing vs. reimbursement: Determine whether your insurer can arrange direct billing with the healthcare provider or whether you will need to pay for treatment upfront and submit supporting documents for reimbursement
Emergency assistance contact: You must have the insurer’s emergency contact details handy in case you need emergency medical assistance or claims support
Gather all required claim documents: Collect all necessary documents before starting your claim process. This includes medical reports, itemized bills, receipts, proof of payment, and copies of your passport or visa. Additional documentation may be required depending on the insurer and the nature of the claim

Direct billing vs. reimbursement claims in visitor insurance

When you receive emergency medical treatment in Canada, your visitor insurance may pay for the cost in one of two ways: direct billing or reimbursement (pay-and-claim).

Direct billing: In a direct billing claim process, the insurer pays the hospital, clinic, or health care provider directly for eligible covered expenses. This is commonly used for expensive medical emergencies, such as hospital admissions, surgeries, or emergency transportation, where costs can quickly reach thousands of dollars. Direct billing reduces the financial burden on visitors by eliminating the need to pay large medical bills upfront. Although some providers may still require deposits, deductibles, or payment for non-covered services.
Reimbursement claim: Under a reimbursement claim, the visitor pays the medical expense out of pocket and later submits a claim for repayment. This is commonly used when direct billing is unavailable, i.e., when the healthcare provider does not accept direct payment from the insurer, or when the visitor pays for treatment directly

Difference between direct billing and reimbursement claims

Point of difference	Direct billing	Reimbursement claims
Who pays for treatment first?	The insurer pays the hospital or health care provider directly for eligible expenses	The visitor pays the medical expense up front and later seeks reimbursement
When is it typically used?	More common for costly emergencies, such as hospital stays or surgeries	More common for smaller expenses, such as walk-in clinic visits, diagnostic tests, or prescriptions
Will I have to pay out-of-pocket?	Usually minimal, except for deductibles, deposits, and non-covered items	The visitor is typically responsible for paying the full bill at the time of treatment
How is the claim handled	The insurer coordinates payment directly with the provider and reviews the claim	The visitor submits a claim form, receipts, and supporting documents for reimbursement
What documents may be required?	The provider and insurer generally exchange most billing information directly	The visitor must retain and submit all receipts, invoices, and proof of payment
When is the payment made?	Payment is often arranged during treatment once coverage is confirmed	Reimbursement occurs after all required documents are received and the claim is approved (typically takes 2 weeks or more)

How to file a visitor insurance claim: Step-by-step process

Filing a visitor medical insurance claim requires a few simple steps, such as notifying the insurer, collecting the required documents, filling out the claim form, and submitting it for approval. Here is a detailed look at the visitor insurance claim process:

If your insurer arranged direct billing:

Call the 24/7 assistance line before treatment whenever possible. In a life-threatening emergency, seek medical care immediately and notify the insurer as soon as reasonably possible afterward.
Follow any instructions provided by the insurer or assistance provider regarding treatment facilities whenever possible
Present your policy information and identification to the health care provider
Keep copies of all medical records, discharge summaries, and invoices, even if the insurer pays directly
Submit any additional forms or documents requested by the insurer
Review any remaining balance, deductible, or non-covered expenses you may be responsible for

If you paid for treatment yourself (reimbursement claim):

Contact your insurer as soon as possible after the medical emergency
Collect all required documents, including bills, medical reports, prescriptions, and proof of payment
Complete the claim form with your policy number, expenses, and treatment details
Submit the claim and supporting documents before the insurer’s deadline
Track the claim status and respond to requests for additional information

What documents do you need to file a visitor to Canada insurance claim?

To file a visitor insurance claim, you need the following documents:

Claim scenario	Documents typically required
Hospital stay or emergency room visit	Itemized hospital bill, admission and discharge records, physician’s diagnosis, medical reports, completed claim form, and policy number
Walk-in clinic or doctor’s visit	Physician’s notes or diagnosis, proof of payment, and a completed claim form
Prescription medication	Pharmacy receipt showing the drug name and cost, prescription, and physician’s notes
Ambulance services	Ambulance invoice, treatment records, and details of the medical emergency
Diagnostic tests or imaging	Laboratory or imaging invoices, test results (if requested), physician referral, and proof of payment
All claim types	Completed claim form, policy number, passport or visa copy, and proof of payment (if applicable)

Note: Documentation requirements vary by insurer and claim type. Additional information may be requested during the claims review process.

Where can you get a visitor insurance claim form?

You can usually download the latest claim form from your insurer’s website or submit your claim through an online claims portal. Always use the most recent version of the form and review the insurer’s instructions carefully before submitting your claim.

Most insurers allow claims to be submitted through an online portal or downloadable claim form. Use the table below to locate the appropriate visitor insurance claim form for your provider.

Insurer name	Claim form
Allianz	Allianz Assistance claims portal
Manulife	Manulife travel insurance claims centre
GMS	GMS visitor to Canada claims page
Travelance	Travelance claims forms page
21st Century	21st Century claim form

How long does a visitor to Canada insurance claim take?

Most visitor insurance claims are processed within 10 to 45 days, although timelines vary by insurer and the complexity of the claim. Claims that are straightforward and have complete documentation, such as itemized bills, medical records, and proof of payment, are processed faster, within 2 to 3 weeks.

On the other hand, complex claims that require medical investigation or regular coordination with health care providers can take 30-45 days for claim processing. Also, direct billing claims get resolved more quickly, while reimbursement claims often take longer because they require a full review before payment is issued.

What is an Explanation of Benefits (EOB)?

An Explanation of Benefits (EOB) is a document that your insurance provider sends after processing your claim. It details what was covered, the amount paid by the insurer, and any remaining balance you may owe.

If a claim is denied or partially approved, the EOB will specify the reason for the decision, helping you understand whether you need to provide additional information or appeal the denial. Some insurers may use different names for this EOB document, but it serves the same purpose of explaining how your claim was assessed.

An EOB includes:

Health care provider charges: The total amount billed by the hospital, clinic, or health care provider for the treatment received.
Eligible amount: The portion of the bill that the insurer considers covered under your policy and its reimbursement limits
Deductible: Any amount you had to pay before your insurance coverage applied
Insurance payment: The amount the insurer paid directly to the provider or approved for reimbursement.
Remaining balance: Any costs that were not covered and must be paid by you

Learn more about health insurance for visitors to Canada

What are the most common reasons for visitor insurance claims being denied?

While some denials occur because a treatment is not covered under the policy, many claims are rejected simply because the insurer’s claims process was not followed correctly.

The most common reasons for visitor insurance claim denials are as follows:

Delayed reporting: Most insurers require you to notify the insurer within a specified time, typically 24 to 48 hours. Failing to notify the insurer may result in reduced benefits or a denied claim
Missing the claim submission deadline: If you miss the deadline for claim submission, the insurer may deny the claim regardless of whether the medical expense would otherwise be covered
Incomplete or missing documentation: Claims often get denied when required documents are missing. Common examples include non-itemized medical bills, missing physician statements, incomplete claim forms, or a lack of proof of payment
Non-disclosure or misrepresentation: Providing inaccurate information during the application process can affect your coverage. If a medical condition, travel detail, or other material fact was not disclosed when required, the insurer may deny the claim
Lapsed coverage or unpaid premiums: Visitor insurance must be active on the date treatment is received. If the policy has expired, been cancelled, or premiums have not been paid as required, the claim will not be covered
Unstable pre-existing conditions and other exclusions: While most insurers provide coverage for stable pre-existing conditions, claims for any unstable condition, or for a medical condition excluded in the policy documents, will be rejected

How to appeal a denied visitor insurance claim?

If your claim is denied, you may have the option to request a review or appeal the decision. Here is what you need to do:

Review the reason for denial in the EOB
Gather additional documentation, such as missing records or clarifications
Submit a formal appeal letter along with supporting evidence
Follow up with the insurer to ensure the appeal is processed
If you disagree with the final decision, escalate as required

Need help filing a visitor insurance claim?

Filing a visitor insurance claim can be overwhelming, but you don’t have to do it alone. We at PolicyAdvisor work with 30+ leading visitor insurance providers in Canada and can guide you through claim requirements, documentation, and next steps. Book a free consultation today and get expert support tailored to your situation. Schedule a call now!

Frequently asked questions

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

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

Can I file a claim for expenses I paid upfront?

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

How can I check the status of my claim online?

Most insurance providers offer online claim tracking portals where you can check the status of your claim. To access this service, visit the insurer’s website and log in to your account using your policy number or claim reference number. Some insurers also provide email or SMS updates regarding claim progress. If you cannot find online tracking options, we recommend that you contact customer service for a status update.

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

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

Will a visitor insurance claim affect future coverage?

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

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Canada offers high-quality health care, but most visitors are not eligible for provincial health coverage. As a result, they have to pay the full cost of doctor visits, emergency room treatment, ambulance services, and hospitalization out of pocket. Visitor insurance is private emergency medical coverage for non-residents that helps bridge this gap by covering eligible emergency medical costs, allowing them to access healthcare without worrying about significant out-of-pocket bills.

Can visitors use Canada’s healthcare system?

Yes, visitors can use Canada’s healthcare system. This means that visitors can receive medical treatment when needed, but they are usually responsible for paying the full cost unless they have emergency medical insurance. In Canada, the provincial healthcare system is available to Canadian citizens, permanent residents, and eligible temporary residents who meet provincial requirements. For visitors, purchasing visitor insurance is one of the most effective ways to protect themselves against the potentially high cost of medical treatment in Canada.

Where can visitors receive medical treatment in Canada?

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

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

How much does healthcare cost for visitors in Canada?

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

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

How much does medical insurance for visitors to Canada cost?

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

Traveller's age (in years)

Trip duration (in days)

Stable pre-ex condition

Yes

No

Coverage amount

✓ $0 Deductible

--

✓ $250 Deductible

--

✓ $500 Deductible

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

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

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

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

How do you pay for treatment with visitor insurance?

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

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

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

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

Common inclusions are as listed below:

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

Common exclusions are as follows:

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

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

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

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

Visitor profile	Recommended coverage amount
Young, healthy visitors	$100,000
Parents and grandparents	$100,000–$300,000
Super Visa applicants	Minimum $100,000
Seniors with pre-existing conditions	$500,000+

Do visitor health insurance plans cover pre-existing conditions?

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

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

Are pregnancy and childbirth covered under visitor insurance?

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

Read our review of the Best Visitors Insurance in Canada

How to prepare for healthcare needs before travelling to Canada

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

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

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

Frequently asked questions

Do visitors get free healthcare in Canada?

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

Can visitors go to a hospital in Canada?

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

Can visitors buy health insurance after arriving in Canada?

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

Is health insurance for visitors to Canada mandatory?

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

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

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

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A single emergency room visit in Canada can cost thousands of dollars. Travelance’s Visitors to Canada Insurance helps cover those unexpected costs with up to $150,000 in emergency medical benefits for trips up to 558 days, plus 24/7 multilingual assistance.

Quick review: Travelance Visitors to Canada Insurance

PolicyAdvisor Rating	4/5
Best for	Visitors seeking medical coverage with monthly payment plans
Skip if	You are above 69 with pre-existing conditions

What is Travelance Visitors to Canada Insurance?

Travelance Visitors to Canada Insurance is a comprehensive plan with two options, offering ambulance service, incidental expenses, and emergency dental treatment for accidents. The plans also cover eligible prescription drugs and have flexible deductible options, making them suitable for travellers seeking monthly payment options.

Key features of the Travelance visitors to Canada insurance plan

Travelance travel medical insurance offers two plans with maximum coverage of $150,000 that include support for stable pre-existing conditions, alongside variable deductible options for flexible payments.

Feature	Details
Plan options	Essential and Premier plans
Age eligibility	15 days to 85 years
Maximum coverage amount	15 days to 69 years: Up to $150,000 70 to 85 years: up to $100,000
Deductible options	$250, $500, $1,000, $5,000, $10,000
Waiting period	None if purchased before arrival or when continuing an existing Travelance policy without a gap 24 hours for injuries and 48 hours for sicknesses if the policy is purchased within 30 days of departure from the home country 24 hours for injuries and 7 days for sicknesses if the policy is purchased more than 30 days after departure from the home country
Maximum policy duration	Up to 558 days
Monthly payment option	Available
Pre-existing conditions	Essential: No coverage Premier (69 and under): Stable pre-existing conditions with an 180-day stability period. Premier (70–79): Stable conditions, except for certain heart, brain, and lung conditions that existed during 180 days before the policy start date Premier (80+): No coverage for pre-existing conditions that existed within the last 180 days.

Call 1-888-601-9980 to speak to our licensed advisors right away, or book some time with them below.

SCHEDULE A CALL

What does the Travelance visitors to Canada insurance cover?

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

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

Benefit	Essential Plan	Premier Plan
Emergency Hospitalization (semi-private Room)	Up to $150,000 or the policy limit	Up to $150,000 or the policy limit
Emergency Medical Expenses	Included up to plan limit	Included up to plan limit
Physician, surgeon, and in-hospital nurse	Included	Included
Diagnostic Services	Included (pre-authorization required)	Included (pre-authorization required)
Emergency Return Home	Included	Included
Prescription Drugs	Up to $1,000 (maximum 30-day supply per occurrence)	Up to $10,000 (maximum 30-day supply per occurrence)
Health Practitioners (Paramedical Services)	Up to $300 per practitioner	Up to $750 per practitioner
Ambulance	Included	Included
Emergency Dental	Coverage up to $2,000 for any injury and up to $300 for pain not related to any injury	Coverage up to $5,000 for any injury and up to $600 for pain not related to any injury
Follow-up Visits	Up to 3 visits, $3,000 maximum	Up to 3 visits, $5,000 maximum
Repatriation of Remains	Up to $10,000	Up to $16,000
Cremation/Burial at Destination	Up to $4,000	Up to $6,000
Child Care Costs	Included within the meals & accommodation benefit	Included within the meals & accommodation benefit
Hospital Allowance (Incidental Expenses)	Up to $500	Up to $800
Meals and accommodation	Up to $150/day, $3,000 maximum	Up to $150/day, $5,000 maximum
Accidental Death and Dismemberment (AD&D) Benefit	N/A	Up to the plan limit chosen, to a maximum of $100,000
Return of baggage and personal effects	Up to $500	Up to $800
Side-trip coverage	Included (up to 45 days per trip)	Included (up to 45 days per trip)

Pros and Cons of Travelance visitor to Canada insurance

Pros:

✓24/7 multilingual emergency assistance and emergency medical coordination services

✓Flexible deductible options and family rates can significantly reduce premiums

✓Coverage extension option available if requested before expiry

✓Provides follow-up visit coverage after a medical emergency

Cons:

✗Essential plan does not cover pre-existing conditions

✗Pre-existing condition coverage becomes more restrictive after age 70

✗Maximum coverage of $150,000 is lower than that of competitors

✗Accidental death and dismemberment (AD&D) coverage is not available under the Essential plan

How much does Travelance visitor health insurance cost?

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

Sample Travelance visitors to Canada insurance cost (2026)

Age	Premium without pre-existing condition coverage	Premium with stable pre-existing condition coverage
25 years	$76.50	$102.30
35 years	$93.30	$127.50
45 years	$101.10	$136.50
55 years	$109.20	$141.00
65 years	$164.10	$249.00
75 years	$385.20	$506.40
85 years	$513.60	$585.90

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

Traveller's age (in years)

Trip duration (in days)

Stable pre-ex condition

Yes

No

Coverage amount

✓ $0 Deductible

--

✓ $250 Deductible

--

✓ $500 Deductible

--

How to reduce the cost of Travelance visitor health insurance?

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

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

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

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

Deductible amount	Premium reduction
$0 (Base)	No discount
$250	10% reduction
$500	15% reduction
$1,000 (Age 0–59)	30% reduction
$1,000 (Age 60–85)	20% reduction
$5,000	30% reduction
$10,000	45% reduction

Learn more about the cost of visitor health insurance in Canada

Who is eligible for Travelance visitor insurance?

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

Who is not eligible for Travelance visitor insurance?

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

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

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

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

Does Travelance visitor health insurance cover pre-existing conditions?

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

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

Ages 69 and under

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

Ages 70–79

Subject to a 180-day stability period

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

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

Ages 80 and over

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

Learn more about the cheapest visitor insurance companies in Canada

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

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

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

Exclusion Category	What You Need to Know
Pre-existing Conditions	The Essential Plan does not cover pre-existing medical conditions. Coverage for stable pre-existing conditions is only available under the Premier Plan and is subject to age-based eligibility requirements and a 180-day stability period.
Non-Emergency or Ongoing Care	Treatment that can reasonably be delayed until you return home, follow-up treatment, recurring conditions, and subsequent hospitalizations are generally not covered (except for eligible follow-up visits).
Medical Tourism & Planned Treatment	No coverage for trips taken to obtain medical or dental treatment, elective procedures, transplants, cataract treatment, or maintenance medication refills.
Unapproved Medical Expenses	Emergency air transportation, surgery, diagnostic tests, and certain cardiac procedures require prior approval.
Mental Health	Mental health conditions such as nervous disorders, anxiety, and depression
Pregnancy	Pregnancy, childbirth, pregnancy complications, abortion, and newborn care are excluded.
Treatment Decisions	Conditions related to recommended treatment, testing, or medication that was declined or delayed within the previous two years are not covered.
Drug, Alcohol & Self-Inflicted Injuries	Claims resulting from drug or alcohol use, suicide, attempted suicide, or intentional self-harm are excluded.
High-Risk Activities & Sports	Adventure activities, professional sports, motorcycle or scooter use without a valid Canadian licence, and racing activities are not covered.
Transportation & Travel Restrictions	Piloting aircraft, non-commercial aviation activities, commercial transportation activities, and side trips to destinations subject to Government of Canada “Avoid Non-Essential Travel” or “Avoid All Travel” advisories are excluded.

Note: Refer to the policy document for the full list of limitations and exclusions.

How to file a claim with Travelance visitor insurance?

If you experience a medical emergency during your stay in Canada, you should contact the Travelance Assistance Centre as soon as possible to initiate the claims process. The policy offers 24/7 emergency assistance and online claim submission support to help travellers submit claims quickly and efficiently.

Here’s how you can initiate the Travelance visitors insurance claim process:

Call the assistance centre immediately: You can contact the assistance centre in Canada and the United States at 1-888-526-0111, and internationally at 905-667-3391. Failure to notify Travel Assistance within 24 hours may result in you being responsible for 20% of eligible expenses.
Seek approval when required: Certain expenses, including diagnostic testing, surgery, medical equipment, and emergency transportation, require prior authorization.

Submit claim: Once you have contacted the Travelance Assistance Centre, you must submit a claim online through the eClaims portal or download a claim form and submit it to the Travelance Claims Department within 30 days after the expense or loss is incurred.

Gather supporting documentation: You will need to provide medical records, proof of treatment expenses (including itemized bills and payment receipts), and travel documents such as your passport, visa, or airline ticket.
Submit proof of claim: Submit all claim documentation within 90 days of the illness or injury. Expenses must be submitted to Travelance within 12 months of the date of the last eligible expense.

Travelling to Canada soon?

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Can you cancel or get a refund on Travelance visitor insurance?

Yes, Travelance Visitor Insurance allows policy cancellations and refunds under certain conditions. The refund depends on whether coverage has started, whether a claim has been filed, and the reason for cancellation. Additionally, the plans offer a ten-day free-look period, where if you cancel your policy within 10 days of purchase, you will receive a full refund of your premium.

Here is the Travelance visitors insurance refund policy at a glance

Situation	Refund Eligibility
Changed your mind within 10 days or purchase	Full refund available if coverage has not started and the cancellation is requested within 10 days of purchase.
Changed your mind before coverage starts	Refund of unused premium may be available if you cancel before leaving your home country, with a $250 administration fee. Refund requests must be submitted within 30 days of the requested cancellation date.
Visa application refused	Refund of unused premium with no administration fee. Proof of visa denial is required.
Never travelled to Canada	A refund of unused premium may be available if the trip was cancelled before departing your home country. Proof of trip cancellation is required, and a $250 administration fee applies
Leaving Canada early	Partial refund of unused premium may be available if you return to your home country before the policy expiry date. Proof of return is required, and a $50 administration fee applies.
Eligible for provincial health coverage	Partial refund of unused premium may be available if you become insured under a Canadian federal, provincial, or territorial health plan. Proof of coverage is required, and a $50 administration fee applies.
If you’ve reported a claim	Refunds are only available if no claim has been reported. If you reported a claim and later returned home before expiry, you may request to withdraw the claim. Any claim payments already made plus a $250 file handling fee will be deducted from the refund amount.

How to extend coverage instead of cancelling?

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

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

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

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

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

How does Travelance compare to other visitor insurance options?

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

Provider	Pre-Existing Conditions Coverage	Monthly Payments	Maximum Coverage
Travelance	Yes, if stable for 180 days (Premier Plan; Essential Plan excludes pre-existing conditions)	Yes	Up to $150,000
GMS (Group Medical Services)	Yes, if stable for 180 days	No	Up to $150,000
Manulife	Yes, if stable for 180 days (Enhanced Plan)	No	Up to $200,000
TuGo	Yes, if stable (7–365 days depending on age and trip length)	No	Up to $500,000
Allianz	Yes, if stable (90 days ≤59 years; 180 days ages 60–89)	No	Up to $500,000
MSH International Discover Canada	Yes, if stable (90 days ≤70 years; 180 days ages 71–80)	Yes	Up to $1,000,000
Destination Canada	Yes, if stable (90 days ≤59 years; 180 days ages 60–79)	Yes	Up to $300,000
21st Century	Yes, if stable for 180 days (Enhanced Plan)	Yes	Up to $200,000
Secure Travel	Yes, if stable (90 days ≤69 years; 180 days ages 70–84)	Yes	Up to $1,000,000

For a comprehensive review and comparison, head over to our list of the best medical insurance for visitors to Canada (2026)

Our advisor’s take on Travelance visitor health insurance

At PolicyAdvisor, we recently helped a 45-year-old visitor coming to Canada for an extended stay who wanted dependable emergency medical coverage with added benefits. Their main concern was finding a plan that offered strong medical protection, flexible deductible options, and good coverage.

The Client profile

Age: 45 years old
Purpose of visit: Extended stay in Canada
Primary concern: Comprehensive coverage at a reasonable cost
Coverage needed: $100,000 for an 180-day stay

The Market comparison

After comparing several visitor insurance providers, we recommended Travelance Premier Visitors to Canada Insurance because it offered a strong mix of emergency medical coverage, flexibility, and value. The visitor was particularly interested in comprehensive coverage and wanted a plan that included benefits beyond basic emergency hospitalization.

Why we recommended Travelance

While some visitor insurance plans focus primarily on emergency medical expenses, Travelance provides a broader range of benefits that can be valuable during longer stays in Canada. We recommended the plan because it includes:

Emergency medical evacuation and repatriation coverage
Flexible deductible options that can help lower premiums
Automatic extension of coverage due to cancelled flights or hospitalization on or before the expiry date
Coverage extension options for travellers whose plans change while in Canada

Travelance is often a good fit for visitors who want more than basic emergency medical coverage. It can be particularly appealing to travellers looking for flexible deductible choices, side-trip protection, and a comprehensive set of emergency travel benefits during their stay in Canada.

How to purchase Travelance visitor health insurance in Canada?

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

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

Frequently Asked Questions

Does Travelance visitor medical insurance cover pre-existing medical conditions?

Yes, the Premier plan of the Travelance visitor insurance covers pre-existing medical conditions, subject to age-based eligibility requirements and a 180-day stability period. The Essential Plan does not cover pre-existing conditions.

Is Travelance suitable for the Super Visa?

Yes, Travelance is eligible for Super Visa insurance when the coverage amount is $100,000 or more in emergency medical coverage for one year. It also offers a monthly payment option, making it a practical choice for families looking to spread out the cost of the plan.

What is the maximum coverage available under Travelance visitor insurance?

Travelance offers emergency medical coverage of up to $150,000. However, applicants aged 70 to 85 can purchase only up to $100,000 in coverage.

Does Travelance visitor to Canada insurance include dental coverage?

Yes, Travelance’s Premier plan includes up to $5,000 for accidental dental treatment and up to $600 for emergency dental pain relief, while the Essential plan offers coverage for up to $2,000.

Are side trips outside Canada covered by Travelance Visitor to Canada Insurance?

Yes, Travelance Visitors to Canada Insurance supports trips taken to other countries from Canada (the trip must start and end in Canada). However, such trips must not exceed 45 days per trip and cannot be taken to your home country. To remain eligible for coverage during a side trip, you must have spent more than 50% of your covered days in Canada at the time of the claim. Additional conditions apply.

Does Travelance visitor medical insurance allow monthly payments?

Yes, you can pay for your Travelance visitor medical insurance via monthly installments when you purchase a plan with 90 travel days or more. Travelance collects two months’ premium on the application date, along with a non-refundable billing fee.

What are the benefits of purchasing a visitor health insurance policy before arriving in Canada?

Purchasing a Travelance visitor health insurance policy before arriving in Canada offers several benefits, including immediate coverage upon entry, protection against unexpected medical emergencies, and peace of mind during travel.

Can I get a refund if I return home early?

Yes, Travelance visitor to Canada insurance may provide partial refunds for unused coverage. Proof of departure is required, and an administration fee applies. Refund eligibility is subject to the policy terms and conditions.

Can I extend my Travelance visitors to Canada insurance policy?

Yes, you can request an extension if your policy is still active and you have not reported a claim. You will need to extend by paying the additional premium. However, coverage cannot be extended beyond 558 days from the original start date.

What deductible options does Travelance visitor medical insurance offer?

Travelance offers deductibles of $250, $500, $1,000, $5,000, and $10,000. Choosing a higher deductible can significantly reduce your premium, but it also increases the amount you pay out of pocket before coverage applies.

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Common visitor insurance exclusions in Canada include pre-existing medical conditions that do not meet stability requirements, routine medical care, high-risk activities, and expenses related to alcohol or drug use. Policies may also exclude non-emergency treatments, travel against medical advice, and claims arising from undisclosed medical conditions. Understanding these exclusions can help visitors choose the right coverage and avoid unexpected claim denials.

Quick glance at common exclusions

Exclusions	Examples
Unstable pre-existing conditions	Uncontrolled diabetes, recent heart attack, newly diagnosed cancer, worsening heart disease
Non-emergency procedures	Elective surgeries, routine checkups, preventive care
Pregnancy and maternity	Routine prenatal and postnatal care, miscarriage, and childbirth
Mental health care	Routine therapies
Injury due to specific high-risk activities	Extreme sports or activities like scuba diving, bungee jumping, and mountaineering
Alcohol and substance abuse	Chronic use or abuse of alcohol or drugs, including symptoms of withdrawal

Traveller's age (in years)

Trip duration (in days)

Stable pre-ex condition

Yes

No

Coverage amount

✓ $0 Deductible

--

✓ $250 Deductible

--

✓ $500 Deductible

--

What is not covered by visitor insurance to Canada?

While visitor insurance provides essential coverage, a few things can still be excluded. Here are a few things that are not covered by visitor insurance for Canada:

Unstable pre-existing conditions

A medical condition is generally considered unstable if it has changed, required new treatment, involved medication changes, or prompted medical consultations during the policy’s stability period. Claims related to these conditions are, in most cases, excluded from coverage. However, many visitor insurance plans cover pre-existing medical conditions if they have remained stable for a specified period, typically between 90 and 180 days before the policy’s effective date.

Non-emergency procedures

Since health insurance for tourists is for emergency medical care only, it does not cover non-emergency procedures. It excludes coverage for planned surgeries, routine checkups, preventive care, elective surgeries (such as liposuction or cosmetic procedures), holistic treatments, or any care that insurers do not consider medically necessary.

Pregnancy and maternity

Visitor insurance plans do not cover routine pregnancy-related care, including prenatal checkups, childbirth, postnatal care, and fertility treatments. However, some policies may provide limited coverage for unexpected pregnancy-related medical emergencies, subject to policy terms and gestational age restrictions.

Mental health care

Any ongoing mental health treatment, counselling sessions, psychotherapy, and other non-emergency psychiatric services are excluded from the visitor insurance policy.

Injury or death due to involvement in high-risk activities

Injuries or death resulting from participation in high-risk or hazardous activities are excluded. Examples of high-risk activities include skydiving, bungee jumping, mountaineering, scuba diving beyond recreational limits, motor racing, and other extreme sports. However, TuGo is the only insurance company in Canada that offers a Sports and Activities Coverage add-on that can provide substantial coverage if you participate in some high-risk activities.

Alcohol-related or self-inflicted injuries

Any claims arising from excessive alcohol consumption, drug use, or intentionally self-inflicted injuries are excluded from visitor insurance policies. Self-inflicted injuries also extend to injuries sustained from reckless behaviour or intentional harm.

Travel against medical advice

Coverage will not be offered if you travel against the advice of a physician or while awaiting medical treatment, test results, or surgery. Visitor insurance providers will also exclude claims related to medical conditions that existed before travel if a health care provider advised against travelling due to those conditions.

Common visitor insurance limitations to understand

Visitor insurance exclusions and limitations are often confused, but they are not the same. An exclusion refers to something the policy does not cover at all, while a limitation means coverage is available but subject to certain restrictions, such as time limits, coverage caps, waiting periods, or eligibility requirements. In the section below, let’s take a closer look at the limitations of a visitor insurance policy:

Coverage is focused on medical emergencies: Visitor insurance is primarily designed to cover unexpected medical emergencies. Coverage for follow-up care after an emergency may be limited, and benefits for routine medical care or non-emergency treatment are generally restricted
Follow-up care is limited: Some policies include follow-up care after a covered emergency, but the benefit is usually restricted. For example, Secure Travel has follow-up visits restricted to 3 for both Standard and Enhanced plans
Side-trip coverage: Most insurers, including Secure Travel, Destination Canada, MSH, and others, offer side-trip coverage under Visitor insurance. But the coverage is often limited, and is only applicable when the trip starts and ends in Canada. Moreover, the number of days covered is also limited. For example, Secure Travel provides a maximum side-trip coverage of 30 days per visit
Waiting periods: If you purchase visitor insurance after arriving in Canada, coverage can be limited, and a waiting period may apply. For example, Manulife’s Standard Visitor insurance plan has a waiting period of 72 hours if purchased within the first 30 days after arrival

What is usual, customary & reasonable (UCR) in visitor insurance coverage?

In a visitor health insurance, the ‘usual, customary & reasonable’ is the maximum amount for which your insurer will pay. It is basically determined by what the hospitals or health care centres in your area are charging for that particular service. Insurance companies maintain a database of UC&R for various provinces and review the claims based on it. If the claim is excessively higher than the standard cost of the treatment, they will not provide coverage for it.

Breaking down UCR for visitors:

Usual: The amount a healthcare provider typically charges patients for a specific medical service or procedure
Customary: The typical price range charged for the same service by the majority of the healthcare providers in the same geographic area
Reasonable: A charge that is considered appropriate based on factors such as the complexity of the treatment, the resources required, and local market rates

Example: If the cost of a kidney stone surgery is around $1,000 in Ontario as per the UC&R rate, and your hospital charges $2,000 for the same procedure, you will not receive coverage for the additional $1,000 that is not eligible under the UCR clause.

Read our recommendations for the Best Medical Insurance for Visitors to Canada

Which visitor insurance exclusions can be covered with additional coverage?

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

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

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

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

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

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

Learn more about visitor insurance claim

How to get the best visitor insurance policy in Canada?

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

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

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

Frequently Asked Questions

What should visitors do if their insurance policy has a significant exclusion?

If a policy has a significant exclusion, visitors should consider purchasing supplemental coverage or a different policy that provides the needed protection. For example, visitors who want to engage in adventure activities during their trip can buy an adventure and sports activities rider from TuGo. It is also advisable to review exclusions thoroughly before purchasing a plan.

Does visitor insurance cover pregnancy in Canada?

Visitor insurance plans do not cover routine pregnancy care, prenatal checkups, delivery, or newborn expenses. However, some policies may cover unexpected pregnancy-related emergencies, such as complications that require urgent medical treatment, if they occur unexpectedly and within the policy terms.

Are mental health emergencies covered under visitor insurance?

Visitor insurance to Canada will not cover any expenses related to ongoing therapy, counselling, psychiatric follow-ups, or pre-existing mental health conditions.

Are there any policies that cover all types of medical care without exclusions?

No policy covers all types of medical care without exclusions. All insurance plans come with specific exclusions, but some may offer more comprehensive coverage than others. It is essential to compare policies and choose one that provides the best balance of coverage and cost.

What steps should be taken in case of a medical emergency if the insurance policy has limitations?

In case of a medical emergency, visitors should immediately contact their insurance provider to understand the coverage and limitations. They should also follow the prescribed steps in their policy for emergencies to ensure maximum coverage and avoid claim denials.

Are injuries from adventure sports like skiing or skydiving excluded from visitor insurance in Canada?

Most visitor insurance providers in Canada exclude injuries from adventure sports such as skiing or skydiving. Companies like TuGo offer coverage for injuries arising from high-risk activities, but the premium costs may be significantly higher.

Are cosmetic surgeries or elective procedures covered under visitor insurance policies in Canada?

No, visitor insurance in Canada does not cover elective procedures and cosmetic surgeries. It is primarily designed to protect visitors in Canada from medical emergencies.

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Allianz Visitors to Canada Insurance is among the most popular insurance policies for tourists and visitors. The comprehensive plan offers medical coverage of up to $500,000, access to 24/7 travel assistance, and protection against unexpected medical expenses during a stay in Canada.

Quick review: Allianz Visitors to Canada Insurance

PolicyAdvisor Rating	5/5
Best for	Visitors seeking medical insurance with a high coverage amount
Skip if	You are above 75 with pre-existing conditions

What is Allianz Visitors to Canada Insurance?

Allianz Visitor to Canada insurance is backed by one of the largest insurance providers and offers benefits such as emergency dental coverage and pain relief, private duty nursing services, 24/7 emergency assistance, and medical referrals.

Key features of the Allianz Visitors to Canada insurance plan

Allianz travel medical insurance offers a single plan with coverage of up to $500,000 that includes support for stable pre-existing conditions, along with 24/7 emergency assistance and virtual health care support.

Feature	Details
Plan options	One core plan with multiple coverage amounts and a deductible option
Age eligibility	15 days to 89 years
Maximum coverage amount	Up to $500,000
Deductible options	$500
Waiting period	48 hours after the effective date for sickness if you purchase your policy: After the expiry date of an existing Allianz policy After you exit your country of origin
Maximum policy duration	365 days
Monthly payment option	Not available
Pre-existing conditions	Yes, if the condition (or related symptoms) has been stable for: Under 59 years: 90 days before the effective date Ages 60 to 89: 180 days before the effective date

Call 1-888-601-9980 to speak to our licensed advisors right away, or book some time with them below.

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What does Allianz Visitors to Canada Insurance cover?

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

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

Benefit	Details
Emergency Hospitalization	Up to $500,000 or the policy limit
Services of a physician, surgeon, and in-hospital nurse	up to the sum insured
Diagnostic services	up to the sum insured
Prescription drugs	Up to $1,000 (Maximum 30-day supply)
Health practitioners	Up to $500 per profession
Emergency Dental	Coverage up to $4,000 for any injury and up to $500 for pain not related to any injury
Follow-up visits	Covered when prescribed as part of a covered emergency and completed during the policy period
Repatriation	Up to $10,000 for repatriation and $4,000 for cremation
Accidental Death and Dismemberment	Maximum of the sum insured indicated on coverage
Emergency return home	Up to $3,000 (after a covered medical emergency )
Out-of-pocket expenses	Up to $150 per day (maximum $1,500) for accommodations, meals, child care, taxis, and essential phone calls due to a covered medical emergency
Side-trip coverage	Included for eligible trips outside Canada, as long as most insured days are spent in Canada

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

Pros and cons of Allianz Visitor to Canada Insurance

Pros:

✓High coverage limits of up to $500,000, providing strong protection against expensive medical emergencies in Canada

✓Offers 24/7 emergency assistance

✓The 10‑day Right to Examine period allows for easy refunds

✓Virtual health care access allows eligible travellers to consult a physician remotely through video or teleconferencing services

Cons:

✗Refunds are generally unavailable once a claim has been submitted

✗No option for monthly payments, requiring the full premium to be paid upfront

✗Only a single deductible option makes premiums higher than those of some competitors

✗Significantly higher premiums for travellers over the age of 75

How much does Allianz visitor health insurance cost?

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

Sample Allianz visitor insurance cost (2026)

Age	Premium with stable pre-existing condition coverage
25 years	$110.10
35 years	$125.70
45 years	$160.20
55 years	$195.00
65 years	$345.30
75 years	$814.50
85 years	$3,296.40

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

Traveller's age (in years)

Trip duration (in days)

Stable pre-ex condition

Yes

No

Coverage amount

✓ $0 Deductible

--

✓ $250 Deductible

--

✓ $500 Deductible

--

Who is eligible for Allianz visitors to Canada insurance?

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

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

Who is not eligible for Allianz visitor insurance?

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

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

Learn more about the cost of visitor health insurance in Canada

Does Allianz visitor health insurance cover pre-existing conditions?

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

Allianz considers a pre-existing condition stable if you:

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

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

Yes, there are certain exclusions and limitations to Allianz visitor health insurance. While the plan offers comprehensive emergency coverage, certain conditions and procedures are not covered.

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

Exclusion Category	What You Need to Know
Mental Health & Self-Inflicted Injury	Claims related to mental or emotional disorders, suicide, attempted suicide, or intentionally self-inflicted injuries are excluded.
Pregnancy & Childbirth	Pregnancy, abortion, miscarriage, childbirth, and related complications are not covered.
Alcohol, Drugs & Medication Misuse	Claims resulting from alcohol intoxication, drug use, medication misuse, or failure to follow prescribed treatment are not covered.
High-Risk Activities & Sports	Injuries from professional sports, motorized racing, stunt activities, or other high-risk activities are excluded.
Travelling Against Medical Advice	Claims are excluded if you travel against a physician’s advice or have a terminal illness diagnosed before coverage begins.
Non-Emergency Treatment	Routine checkups, elective procedures, ongoing treatment, and care that can reasonably wait until you return home are not covered.
Chronic & Ongoing Care	Coverage does not include ongoing management of chronic conditions, home care, rehabilitation, convalescent care, or substance abuse treatment.
Dental & Cosmetic Procedures	Cosmetic surgery and non-covered dental procedures are excluded (except for eligible emergency dental benefits).
Excessive Charges	Allianz will not pay costs that exceed reasonable and customary charges for the area where treatment is received.
Illegal or Criminal Activities	Coverage is excluded for losses arising from criminal acts, unlawful activities, armed forces participation, protests, or commercial sexual transactions.

Note: Refer to the policy document for the full list of limitations and exclusions

Learn more about common exclusions in visitor insurance plans

How to file a claim with Allianz visitor insurance

If you experience a medical emergency during your stay in Canada, you should contact the Allianz Assistance Centre as soon as possible to initiate the claims process. Allianz offers 24/7 emergency assistance and online claim submission support to help travellers submit claims quickly and efficiently.

Here’s how you can initiate the Allianz visitors insurance claim process:

Call the assistance centre immediately: You can contact the assistance centre in Canada and the United States at 1-844-310-1578 and internationally at 1-519-514-0355. Failure to contact assistance within 24 hours may result in you being responsible for 20% of eligible expenses.
Submit a notice of claim: If you pay for medical expenses out of pocket, submit your claim directly through Allianz Global Assistance’s secure online Claims Portal. (www.allianzassistanceclaims.ca). You can return to the portal any time to track the progress of your claim or upload any other required documentation.

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Can you cancel or get a refund on Allianz visitor insurance?

Yes, you can cancel your Allianz visitor insurance policy, provided that you have not yet departed from your country of origin or have not experienced an event that could lead to a claim.

Here is the Allianz visitors insurance refund policy at a glance:

Situation	Refund Eligibility
Changed your mind after purchasing	Full refund available if you cancel within 10 days of purchase, have not yet started your trip, and have not experienced an event that could result in a claim.
Trip cancelled before coverage starts	Refund available if your entire trip is cancelled before the policy’s effective date.
Leaving Canada early	Partial refund available for the unused portion of coverage if you permanently return to your country of origin before the policy expires and do not intend to return to Canada. Proof of departure may be required.
Eligible for provincial health coverage	Partial refund available for unused coverage if you become insured under a Canadian provincial or territorial health plan and provide proof of eligibility.
Multiple visits to Canada	No refund for periods spent in your country of origin between separate trips to Canada. Refunds apply only when coverage is permanently terminated.
Claim submitted	Generally not eligible for a refund once a claim has been submitted, regardless of the claim amount.

How to extend coverage instead of cancelling?

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

However, you must keep the following in mind:

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

Learn more about the cheapest visitor insurance companies in Canada

How does Allianz compare to other visitor insurance options?

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

Provider	Pre-Existing Conditions Coverage	Monthly Payments	Maximum Coverage
Allianz	Yes, if stable (90 days ≤59 years; 180 days ages 60–89)	No	Up to $500,000
Manulife	Yes, if stable for 180 days (Enhanced Plan)	No	Up to $200,000
TuGo	Yes, if stable (7–365 days depending on age and trip length)	No	Up to $500,000
GMS	Yes, if stable for 180 days	No	Up to $150,000
MSH International Discover Canada	Yes, if stable (90 days ≤70 years; 180 days ages 71–80)	Yes	Up to $1,000,000
Destination Canada	Yes, if stable (90 days ≤59 years; 180 days ages 60–79)	Yes	Up to $300,000
21st Century	Yes, if stable for 180 days (Enhanced Plan)	Yes	Up to $200,000
Travelance	Yes, if stable for 180 days (Premier Plan; Essential Plan excludes pre-existing conditions)	Yes	Up to $150,000
Secure Travel	Yes, if stable (90 days ≤69 years; 180 days ages 70–84)	Yes	Up to $1,000,000

For a comprehensive review and comparison, head over to our list of the best medical insurance for visitors to Canada (2026).

Our advisor’s take on Allianz visitor health insurance

At PolicyAdvisor, we regularly help visitors, parents and grandparents, and Super Visa applicants find the right coverage for their stay in Canada. Recently, we worked with a 45-year-old visitor coming to Canada to spend time with family for a year. They wanted a plan with a high coverage limit and straightforward benefits that offered comprehensive coverage.

The client profile:

Age: 45
Visa type: Super Visa
Primary concern: Strong medical coverage and financial protection against unexpected health care costs
Coverage needed: $100,000 for a 365-day stay

The market comparison

After comparing several visitor insurance providers, we recommended Allianz Visitors to Canada Insurance because it offered a strong combination of comprehensive emergency medical coverage and high policy limits. For a 45-year-old traveller, premiums start at approximately $1,949.10 with $100,000 in coverage (with zero deductibles), while still providing coverage for stable pre-existing conditions.

Why we recommended Allianz

While Allianz is not the cheapest visitor insurance option available, it delivers strong value for travellers seeking comprehensive emergency assistance services. We recommended the plan because it includes:

24/7 emergency assistance, including medical referrals and case management
Virtual health care consultations when appropriate for the medical situation
Emergency medical transportation and repatriation benefits

Allianz is often a practical choice for visitors who want extended emergency medical protection, high coverage limits, and inclusion of multiple benefits.

How to purchase Allianz visitor health insurance?

PolicyAdvisor’s licensed insurance advisors can help you determine the right Allianz Visitors to Canada Insurance policy for your needs. We will help you compare coverage options, explain eligibility requirements, and help you choose an appropriate limit based on your age, health profile, and length of stay in Canada.

Whether you’re visiting loved ones, applying for a Super Visa, or seeking coverage while waiting for a provincial health plan, our team can help you understand the policy’s benefits, limitations, and exclusions.

Frequently Asked Questions

Does Allianz visitor medical insurance cover pre-existing medical conditions?

Yes, Allianz visitor insurance covers stable pre-existing medical conditions under certain specific rules. Policyholders under 59 have coverage for pre-existing conditions if they have been stable for at least 90 days, while those aged 60 to 89 require a 180-day period.

Is Allianz suitable for the Super Visa?

Yes, Allianz meets Super Visa insurance requirements when you purchase at least $100,000 of coverage for one year.

What is the maximum coverage available under Allianz visitor insurance?

Allianz offers emergency medical coverage limits of up to $500,000.

Does Allianz travel insurance Canada include dental coverage?

Yes, Allianz includes up to $4,000 for accidental dental treatment and up to $500 for emergency dental pain relief.

What are the benefits of purchasing a visitor health insurance policy before arriving in Canada?

Purchasing an Allianz visitor health insurance policy before arriving in Canada offers several benefits, including immediate coverage upon entry, protection against unexpected medical emergencies, and peace of mind during travel.

Can I get a refund if I return home early?

Yes, Allianz travel insurance Canada may provide partial refunds for unused coverage under specific conditions, subject to policy terms.

Can I extend my Allianz visitor to Canada insurance?

Yes, you can extend your Allianz visitor insurance before departing from your country of origin by contacting the assistance centre. Any extension made after that will be considered a new policy, with its own effective date and rules.

Is there a waiting period for Allianz visitor insurance coverage?

Allianz may apply a 48-hour waiting period if you purchase the policy after leaving your home country or after a previous Allianz policy expires.

What is the maximum age for Allianz travel medical insurance?

The maximum age for Allianz travel medical insurance coverage is 89, provided all eligibility requirements are met.

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Visitor insurance is emergency medical insurance designed for non-residents visiting Canada. It helps cover unexpected healthcare expenses such as hospitalization, doctor visits, ambulance services, diagnostic tests, and prescription medications. Since visitors are generally not eligible for provincial healthcare, travel medical insurance for visitors to Canada protects against potentially high out-of-pocket medical costs.

Visitor insurance to Canada at a glance:

Feature	Details
Who needs it	Visitors, tourists, Super Visa applicants, international students, and temporary workers in Canada
Coverage amount	Coverage limits may typically range from $10,000-$1,000,000+, depending on the insurer and plan
Recommended coverage	At least $100,000+ in emergency coverage
Coverage type	Emergency medical expenses such as hospital stays, doctor visits, ambulance services, prescription drugs, and diagnostic tests
Covers pre-existing conditions	Some plans cover stable pre-existing conditions, subject to eligibility requirements and stability periods
Super Visa Eligibility	Required for Super Visa applicants and must meet government insurance requirements

What are the types of visitor insurance in Canada?

Visitor insurance in Canada plans typically have two major types of coverage: medical insurance for visitors to Canada and Super Visa insurance.

Emergency medical insurance: Medical insurance for visitors to Canada covers eligible medical emergencies that a non-resident might require during their trip to Canada
Super Visa insurance: Super Visa insurance is a specialized product that covers parents and grandparents of Canadian citizens and permanent residents, with coverage of at least $100,000 that remains valid for at least one year

Why do you need health insurance for visitors to Canada?

Visitor insurance for Canada helps protect against costly medical expenses and also satisfies Super Visa insurance requirements. Here’s why it becomes important for visitors to Canada:

Ineligible for provincial health care plans: Visitors are not covered by Canada’s provincial health care systems, such as the Ontario Health Insurance Plan (OHIP), the Alberta Health Care Insurance Plan (AHCIP), and other provincial plans
Protection against high healthcare costs: Medical treatment in Canada can be expensive. Even a single day hospital cost can be between $4,000 to $4,500 per day, leading to significant out-of-pocket expenses without insurance
Coverage for medical emergencies: Covers eligible emergency medical expenses, including hospitalization, physician services, diagnostic tests, prescription drugs, and ambulance transportation
Required for Super Visa applicants: Parents and grandparents applying for a Canadian Super Visa must carry qualifying health insurance that meets the $100,000 coverage requirements set by IRCC
Ensures peace of mind: With visitor insurance in place, you can focus on enjoying your trip rather than worrying about the financial impact of an unexpected illness or injury

Who should buy visitor health insurance in Canada?

The table below highlights the most common groups that benefit from visitor insurance.

Visitor type	Why they need
Tourists and visitors	Not eligible for provincial healthcare and may face high out-of-pocket medical costs during their stay
Super Visa applicants	Required to purchase qualifying Super Visa insurance with at least $100,000 in coverage
International students	Helps cover emergency medical expenses if they are not eligible for a provincial plan
Foreign workers	Protects while waiting for provincial healthcare coverage or if they are not covered by an employer plan
Returning Canadians	Covers medical expenses during the waiting period before provincial healthcare benefits are reinstated

What does visitor medical insurance in Canada cover?

Visitor insurance in Canada protects travellers 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:

Emergency hospitalization and follow-up care: Covers hospital accommodations, services, and supplies required for the treatment of a covered medical emergency, including medically necessary follow-up care related to the emergency
Physician and surgical services: Covers medically necessary treatment, consultations, and surgical services provided by licensed physicians and surgeons for a covered medical emergency
Prescription coverage after emergencies: Covers the cost of prescription medications when a licensed physician prescribes them for an emergency
Emergency diagnostic tests: Plans cover lab tests, blood work, X-rays, CT scans, and MRIs required to treat a medical emergency
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
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?

While exclusions vary by insurer, the following are some of the most common exclusions:

Unstable pre-existing medical conditions. Definitions of “stable” and required stability periods vary by insurer
Non-emergency care, including routine check-ups, preventive care, and elective procedures
Pregnancy, childbirth, and routine maternity-related expenses may be limited or excluded
Ongoing mental health treatment and counselling services
Illnesses or injuries related to alcohol, drugs, or narcotics
High-risk activities such as skydiving, mountaineering, motor racing, and some adventure sports (except for TuGo visitor insurance)
Self-inflicted injuries or attempted suicide

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

How do pre-existing conditions work in visitor insurance coverage?

A pre-existing condition is any medical condition for which you received treatment, took medication, experienced symptoms, or consulted a doctor before your visitor insurance policy started. Most insurance companies in Canada provide coverage for stable pre-existing conditions, provided they have remained unchanged for a specified period before the policy’s effective date.

The stability period varies; for instance, Destination Canada has a stability period of 90-180 days, while TuGo may offer shorter stability periods through optional add-on pre-existing condition coverage available for an additional premium.

What happens if a condition is not stable?

If a pre-existing condition does not meet the stability requirements, any claim related directly or indirectly to that condition may be denied. This is one of the most common reasons visitor insurance claims are declined.

Health care costs for uninsured visitors in Canada

Without visitor insurance, even routine emergency medical care in Canada can be expensive. The table below highlights the typical costs non-residents may face when paying for medical services out of pocket.

Medical service	Cost for uninsured and non-resident patients
Emergency hospital visit	$1,242
Hospital room charges per day	$4000-$4500
MRI per time block	$2664
Lab tests	$591
Private ambulance transportation charges, each trip	$220
Rehabilitation and mobility appliances	$240

Disclaimer: The actual costs and billing rules may vary by province

How much does visitor health insurance cost in Canada?

The average cost of visitor health insurance for travellers to Canada typically ranges from $69.00/month to $324.00/month for $100,000 coverage, without pre-existing conditions. The cost, however, varies depending on factors like age, deductibles, trip duration, etc.

Here is a breakdown of visitor insurance costs in Canada:

Visitor age	Premium without pre-existing condition coverage	Premium with stable pre-existing condition coverage
25 years	$69.00/month	$92.70/month
35 years	$82.50/month	$100.20/month
45 years	$100.50/month	$115.50/month
55 years	$107.40/month	$129.60/month
65 years	$116.10/month	$168.60/month
75 years	$240.00/month	$328.80/month
85 years	$324.00/month	$512.46/month

Disclaimer: Cost of $100,000 in coverage for a visitor travelling to Canada for 30 days

Traveller's age (in years)

Trip duration (in days)

Stable pre-ex condition

Yes

No

Coverage amount

✓ $0 Deductible

--

✓ $250 Deductible

--

✓ $500 Deductible

--

Factors affecting the cost of visitor insurance in Canada

Factors that can influence the cost of medical insurance for visitors to Canada include:

Age: Younger travellers (under 40) can expect to pay lower premiums as they are considered lower risk for health issues
Pre-existing conditions: If you have pre-existing medical conditions, you will need to choose a plan that covers them. These plans are more expensive than plans without pre-existing conditions. Some insurers may charge a higher premium for pre-existing conditions plans, while others might exclude these conditions altogether
Length of stay: The longer you stay in Canada, the higher the cost of insurance
Coverage amount: Policies with lower coverage (e.g., $50,000) are more affordable but may not cover all potential medical expenses. Higher coverage limits (e.g., $100,000 or more) offer more extensive protection but come with a higher premium
Deductibles: Higher deductibles have lower premiums, and lower deductibles lead to higher premiums

How to reduce the cost of visitor insurance to Canada?

To reduce the cost of visitor insurance, you can choose higher deductibles, compare rates across multiple insurers, choose the right trip duration, and a few other options.

Here are some ways to lower your premium:

Choose a higher deductible: Increasing your deductible can reduce the cost of your policy. Destination Canada offers the cheapest rates for higher deductibles of $10,000
Select an appropriate coverage amount: Avoid paying for more coverage than you realistically need
Consider family plans: Opt for family plans if you are travelling with your family. Travelance offers a ‘family rate,’ which means you don’t need to pay extra for dependent children
Compare multiple insurers: The actual cost may vary depending on the insurer you choose. Compare quotes from different insurers or get in touch with our advisors to get the most affordable quotes

How much coverage should I get for visitors to Canada insurance?

There is no standard limit when it comes to choosing a visitor insurance coverage amount in Canada. However, our advisors recommend having at least $100,000 in coverage.

In the table below, we have listed different coverage amounts and who they may be ideal for:

Coverage amount	Recommendation	Who it’s best for
$100,000	Minimum recommended coverage	Healthy travellers and Super Visa applicants looking to meet the minimum coverage requirement while keeping premiums lower
$250,000	Recommended for most visitors	Travellers seeking a balance between affordability and protection, including longer stays and visitors with stable pre-existing medical conditions
$500,000+	To ensure maximum peace of mind	Super Visa applicants, older travellers, visitors with stable pre-existing medical conditions, or anyone seeking the highest level of financial protection against major medical expenses and extended hospital stays

Tips to choose the best visitor insurance plan

To choose the best visitor plan in Canada, you need to keep a few tips in mind, such as coverage limits, deductible options, pre-existing coverage, and a few others. Listed below are a few of these tips:

Match your visa requirements: Super Visa applicants need a medical insurance policy with a minimum coverage of $100,000. If you are buying Super Visa insurance, make sure you choose an insurer that meets these coverage requirements
Coverage amount: Choose a coverage limit that matches your risk profile and length of stay. It is advisable to choose at least $100,000 in coverage
Deductible: Selecting the right deductible is an important part of choosing a visitor insurance plan, as it affects both the cost of the policy and your potential out-of-pocket expenses during the claim. Higher deductibles reduce the premium, and vice versa
Policy exclusions: Review exclusions carefully to understand what is not covered
Insurer reputation: Consider the provider’s claims process, customer service, and financial strength
Pre-existing condition coverage: Check whether stable pre-existing conditions are covered and review the stability period requirements

Which are the best visitor health insurance companies in Canada?

The best providers for visitor health insurance in Canada include Manulife, Travelance, 21st Century, TuGo, and a few others.

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

Manulife: Manulife visitor insurance plan is available in tiered options: Basic, Standard, and Enhanced. It offers emergency medical coverage of up to $200,000
Secure Travel (RIMI): Secure Travel’s visitor to Canada insurance policy provides maximum coverage of up to $1,000,000, which is one of the highest in the industry
TuGo: TuGo is known for its flexible policy options and optional Sports & Activities rider, making it a strong choice for travellers interested in adventure activities in Canada. The insurer also offers a 7-day stability rider that reduces the stability period for pre-existing conditions to 7 days
Destination Canada: It is known for its flexible deductible options. With deductible options of up to $10,000, it helps visitors reduce the premium cost
21st Century: 21st Century is one of the very few insurers in Canada to introduce a Monthly Payment Plan (MPP). The MPP option is a great way to reduce the upfront costs
Allianz: Allianz offers emergency medical coverage of up to $2,000,000 for eligible international students, making it a strong option for those seeking higher coverage limits

How can I pay for Canadian visitors’ insurance?

You can pay the premium for a visitor to Canada insurance policy in two ways: a full upfront payment or a 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. A few companies in Canada offer monthly payment options, including Secure Travel, Destination Canada, Travelance, and 21st Century

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. For instance, Manulife’s basic visitor insurance plan has a waiting period of 72 hours.

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 while on a visitor insurance plan, provided your plan covers side trips. Most insurers need your side trip to originate and terminate in Canada.

Insurers such as MSH International cover side trips that do not exceed 49% of the trip duration. 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.

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.

Frequently Asked Questions

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.

Can I extend a visitor’s insurance plan in Canada?

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

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

The waiting period to get free healthcare coverage under provincial plans varies from one province to another. Also, to qualify for free healthcare in Canada, you typically need to be a permanent resident or a citizen. For example, British Columbia has a waiting period of 3 months, while Ontario has no such waiting period but a 153-day physical presence requirement.

Is visitor 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 are usually entitled to a full refund of the premium you paid. Most 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.

Do travel advisories or country restrictions affect my visitor insurance?

Yes, official travel advisories affect the side trip component of a visitor’s plan to Canada. Side trips are when non-residents travel outside Canada, other than to 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 can I see a doctor in Canada without insurance?

If you do not have insurance and want to see a doctor in Canada, you can simply visit the emergency room of your nearest hospital or a walk-in clinic. Hospitals in Canada are legally required to provide medical care regardless of a patient’s insurance or immigration status. You can also choose to visit a pharmacy to purchase over-the-counter medicines, and if you can afford it, you can go to a private practitioner who may accept cash.

Do visitor 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.

Which is the best visitor insurance company in Canada?

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

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Group Medical Services (GMS) is a popular insurance provider offering travel health insurance plans for visitors. In addition to up to $150,000 in emergency medical coverage for stays of up to 365 days, the plan also includes 24/7 emergency travel assistance.

Quick review: GMS Visitors to Canada Insurance

PolicyAdvisor Rating	4/5
Best For	Long-stay visitors in good health
Skip If	You are above 55 with multiple pre-existing conditions

What is GMS Visitor to Canada Insurance?

The GMS Visitor to Canada Insurance is a comprehensive coverage plan for visitors and Super Visa applicants, offering benefits such as hospitalization, support for eligible side trips, and ambulance services. Additionally, it covers eligible prescription drugs and offers a straightforward extension process, making it a practical option for long-term visitors.

Key features of the GMS Visitor to Canada insurance plan

GMS travel medical insurance offers a single plan with coverage up to $150,000 that includes support for stable pre-existing conditions, along with variable deductible options for flexible payments.

Feature	Details
Plans Options	One core plan with selectable coverage limits and deductibles
Age Eligibility	Up to 79 years (not eligible if 80+ on effective date)
Maximum Coverage Amount	Up to $150,000
Deductible Options	$0, $100, $500, or $1,000 per claim
Waiting Period	None if purchased before arrival or replacing existing coverage 2 days if the policy is purchased within 30 days of arriving in Canada 7 days if the policy is purchased after 30 days of arriving in Canada
Maximum Coverage Duration	365 days
Monthly Payment Available	No
Pre-existing Conditions Covered	Yes, if stable for 180 days before the effective date for all ages

What does the GMS visitor to Canada insurance cover?

GMS Visitors to Canada Insurance provides comprehensive emergency medical protection for visitors, immigrants, foreign workers, and Super Visa applicants travelling to Canada. The plan provides up to $150,000 in coverage with various deductible options.

The GMS visitor to Canada plan covers hospitalization in semi-private rooms, emergency physician services, and prescription medications. Furthermore, it includes benefits such as emergency dental treatment, repatriation, and hospital allowances.

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

Benefit	Details
Emergency Hospitalization (semi-private room)	Up to $150,000 or the policy limit
Services of a physician, surgeon, and in-hospital nurse	Included
Diagnostic services	Included
Prescription Drugs	Maximum 30-day prescription
Health Practitioners	Up to $500 (combined) for emergency services
Emergency Dental	Coverage up to 2,000 for any injury and up to $300 for pain not related to any injury
Follow-up visits	Covered when medically necessary, within 14 days of the initial emergency
Repatriation (no escort)	Up to $5,000
Child Care	Up to $500
Hospital Allowance	Up to $1,000
Meals & Accommodation	$150/day with a maximum limit of $1,000
Side-trip Coverage	Included for eligible trips outside Canada for up to 30 days

Advisor insight: The GMS insurance plan is best suited for healthy visitors and applicants seeking comprehensive medical coverage and benefits. However, its strict eligibility and 180-day stability requirements make it important to review your medical history before applying.

Pros and Cons of GMS visitor to Canada insurance

Pros:

✓Comprehensive emergency medical benefits that cover physician services, diagnostic tests, prescription drugs, ambulance services, and emergency dental treatment

✓Automatic extension while you are hospitalized if the policy expires during admission, plus up to 72 hours after discharge

✓24/7 multilingual travel assistance through the GMS helpline

✓Flexible refund options for various situations

Cons:

✗Not available if you are 80 or older on the effective date

✗Strict medical eligibility screening for applicants aged 55+, with several disqualifying conditions and requires an 180-day stability period for all ages

✗Maximum coverage of $150,000 is lower than that of competitors

✗Repatriation with an attendant is capped at $5,000

Call 1-888-601-9980 to speak to our licensed advisors right away, or book some time with them below.

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How much does GMS visitor health insurance cost?

The cost of a visitor to Canada health insurance policy from GMS ranges from $106.50 to $454.80. However, the final premium depends on factors such as age, coverage amount, trip duration, and health status.

Sample GMS visitor insurance cost (2026)

Age	Premium with stable pre-existing condition coverage
25 years	$106.50
35 years	$131.10
45 years	$131.70
55 years	$131.70
65 years	$197.70
75 years	$454.80
85 years	N/A

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

Traveller's age (in years)

Trip duration (in days)

Stable pre-ex condition

Yes

No

Coverage amount

✓ $0 Deductible

--

✓ $250 Deductible

--

✓ $500 Deductible

--

Learn more about visitor health insurance with pre-existing conditions

Who is eligible for GMS visitor insurance?

Any non-resident in Canada under the age of 80 who is not covered by a provincial health care plan is eligible for the visitor to Canada plan. This includes tourists visiting Canada, new immigrants, Super Visa holders, work permit holders, and returning Canadians who are not currently covered by a provincial plan.

Who is not eligible for GMS visitor insurance

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

Need medical treatment (except routine care for a chronic condition or a visa-related medical exam)
Have previously been denied similar coverage by another Canadian insurer while in Canada
Have incurred more than $5,000 in medical expenses in Canada within the last 12 months

Are 80 years of age or older on the policy effective date

Additionally, you are not eligible for the GMS visitor insurance if you are above 55 and:

Have certain serious heart or vascular conditions, are awaiting heart-related testing, use heart medication with insulin, have an implantable cardioverter-defibrillator (ICD), or have an untreated aneurysm.
Use home oxygen, take oral steroids for a lung condition, are being treated for cancer, or have ever undergone a valve replacement, kidney dialysis, or organ transplant.
Have been diagnosed with, treated for, or had medication changes related to congestive heart failure, arrhythmias, stroke or transient ischemic attack (TIA), peripheral vascular disease, AIDS, terminal illness, blood clots, or gastrointestinal bleeding within the last 12 months.
Are age 70 or older and require assistance with activities of daily living (ADLs).

Does GMS visitor health insurance cover pre-existing conditions?

Yes, GMS Visitors to Canada Insurance offers coverage for pre-existing medical conditions that have been stable for 180 days. However, GMS does not cover medical conditions that have not remained stable for 180 days before the policy effective date. This exclusion applies to both diagnosed conditions and undiagnosed symptoms for which medical treatment or consultation was received before coverage began.

Furthermore, applicants aged 55 and older must satisfy additional eligibility requirements, even when their condition is stable. Certain serious medical conditions or treatment histories can make you ineligible for coverage, even if the condition has been stable.

GMS visitors insurance pre-existing conditions are considered stable if you:

Do not expect to need medical treatment after the policy’s effective date for the condition or its symptoms.
Have not received any new or different medical treatment for the condition.
Have not started a new prescription medication or changed an existing prescription related to the condition.
The condition has not worsened, or you have not experienced new, more frequent, or more severe symptoms.
Have not sought medical consultation for undiagnosed symptoms or required hospitalization, a specialist referral, or a follow-up visit.
You have not undergone any tests or investigations related to the condition, regardless of whether the results are known.

Learn more about the cheapest visitor insurance companies in Canada

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

Yes, there are certain exclusions and limitations to the GMS visitor health insurance. While the plan offers comprehensive emergency coverage, GMS excludes certain conditions and procedures.

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

Exclusion Category	What You Need to Know
Unstable Pre-existing Conditions	Unstable pre-existing conditions (within 180 days), ongoing chronic care, recurrent conditions, and incomplete medical follow-up before arrival are not covered.
Non-Emergency Medical Care	Routine checkups, elective procedures, cosmetic treatment, follow-up care, medical tourism, and experimental treatments are excluded.
Pregnancy & Newborn Care	Pregnancy, childbirth, miscarriage, abortion, related complications, and newborn expenses are not covered.
Government Travel Advisories	Travelling to countries when an official travel advisory is issued by the Canadian government stating “Avoid non-essential travel” or “Avoid all travel” for the country
Alcohol & Drug Use	Claims related to alcohol, drug use, or medication misuse are excluded.
Non-prescription drugs/preventive medication	GMS does not cover over-the-counter drugs, experimental medications, or vaccines.
High-Risk Activities	Professional sports, motor racing, extreme sports, and non-commercial air travel are not covered.
Illegal, Military & Hazardous Activities	Claims arising from criminal acts, military service, relief work, or deliberate exposure to danger are excluded.

Note: Refer to the policy document for the full list of limitations and exclusions

How to file a claim with GMS visitor insurance

If you experience a medical emergency during your stay in Canada, you should contact the GMS Assistance Centre as soon as possible to initiate the claims process. The policy offers 24/7 emergency assistance and online claim submission support to help travellers submit claims quickly and efficiently.

Here’s how you can initiate the GMS visitors insurance claim process:

Call the assistance centre immediately: You can contact the assistance centre in Canada and the United States at 1-800-459-6604, and internationally at 905-762-5196. Failure to contact Travel Assistance within 24 hours may reduce benefits to the lesser of 70% of eligible expenses or $50,000.

Submit a notice of claim: Once you have contacted GMS Travel Assistance, you must provide written notice of claim within 30 days.

Gather supporting documentation: You will need to provide medical records, proof of treatment expenses (including itemized bills and payment receipts), and travel documents such as your passport, visa, or airline ticket.
Submit proof of claim: Submit all claim documentation within 90 days of the illness or injury. Expenses must be submitted to GMS within 12 months of the date of the last eligible expense.

Can you cancel or get a refund on GMS visitor insurance?

Yes, GMS Visitor Insurance allows policy cancellations and refunds under certain conditions. The refund depends on whether coverage has started, whether a claim has been filed, and the reason for cancellation.

Here is the GMS visitors insurance refund policy at a glance:

Situation	Refund Eligibility
Changed your mind before coverage starts	Full refund if the refund request is received before the policy effective date and no travel has taken place.
Visa application refused	Full refund less an administration fee. A copy of the visa refusal letter is required.
Never travelled to Canada	GMS may provide a partial refund if coverage has started, but you never travelled to Canada. Subject to an administration fee.
Leaving Canada early	Partial refund may be available from the date you departed Canada. Proof of departure is required, and an administration fee applies.
Eligible for provincial health coverage	Partial refund may be available from the date your provincial or territorial health coverage takes effect. Proof of coverage is required, and an administration fee applies.
Death of the insured	Partial refund may be available from the date of death. A death certificate is required, and an administration fee applies.
If you’ve reported a claim	Refunds are generally not available if a claim has been reported, paid, or is pending, or after the policy has expired.

How to extend coverage instead of cancelling?

Alternatively, if you need coverage for a longer stay, you can request an extension by contacting GMS at least 48 hours before your current policy expires.

However, GMS only approves policy extensions when you meet the following requirements:

You or any person insured under this policy has not needed medical treatment (whether a claim was submitted or not) during the current coverage period.
Your plan has been in effect for less than one year (365 days). Essentially, your total period of coverage, including all extensions, should not exceed 1 year
Must be under age 80 on the effective date of the extension.
You do not have a reason to seek medical treatment, excluding the regular care of a chronic condition or a medical evaluation required to satisfy travel visa requirements.

How does GMS compare to other visitor insurance options?

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

Provider	Pre-Existing Conditions Coverage	Monthly Payments	Maximum Coverage
GMS	Yes, if stable for 180 days	No	Up to $150,000
Manulife	Yes, if stable for 180 days (Enhanced Plan)	No	Up to $200,000
TuGo	Yes, if stable (7–365 days depending on age and trip length)	No	Up to $500,000
Allianz	Yes, if stable (90 days ≤59 years; 180 days ages 60–89)	No	Up to $500,000
MSH International Discover Canada	Yes, if stable (90 days ≤70 years; 180 days ages 71–80)	Yes	Up to $1,000,000
Destination Canada	Yes, if stable (90 days ≤59 years; 180 days ages 60–79)	Yes	Up to $300,000
21st Century	Yes, if stable for 180 days (Enhanced Plan)	Yes	Up to $200,000
Travelance	Yes, if stable for 180 days (Premier Plan; Essential Plan excludes pre-existing conditions)	Yes	Up to $150,000
Secure Travel	Yes, if stable (90 days ≤69 years; 180 days ages 70–84)	Yes	Up to $1,000,000

For a comprehensive review and comparison, head over to our list of the best medical insurance for visitors to Canada (2026)

Our advisor’s take on GMS visitor health insurance

At PolicyAdvisor, we recently helped a 65-year-old parent visiting Canada on a Super Visa who was looking for affordable emergency medical coverage for a one-year stay. Their main concern was finding a plan that would cover a stable pre-existing condition without paying for higher coverage limits they didn’t need.

The Client Profile:

Age: 65 years old
Visa Type: Super Visa
Primary Concern: Coverage at a reasonable cost
Coverage Needed: $100,000 for a 365-day stay

The Market Comparison:

After comparing several visitor insurance providers, we recommended GMS Visitors to Canada Insurance because it offered a strong balance of affordability and coverage. For a 65-year-old traveller, premiums start at approximately $2,405.35 for 365 days with $100,000 in coverage (no deductibles), while still providing coverage for stable pre-existing conditions.

Why we recommended GMS

While GMS does not offer the highest coverage limits in the market, it delivers excellent value and comprehensive emergency medical care. We recommended the plan because it includes:

24/7 multilingual emergency assistance for medical coordination and repatriation support
Automatic coverage extensions during hospitalization and up to 72 hours after discharge
Flexible deductible options of $0, $100, $500, or $1,000
Side-trip coverage for eligible trips outside Canada that start and end in Canada

GMS is often a practical and cost-effective choice for visitors who meet medical eligibility requirements and want dependable emergency coverage without paying for a higher-limit plan.

How to purchase GMS visitor health insurance in Canada?

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

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

Need help with choosing the best visitor insurance to Canada?

Call us at 1-888-601-9980 or book time with our licensed experts.

SCHEDULE A CALL

Frequently Asked Questions

Does GMS visitor medical insurance cover pre-existing medical conditions?

Yes, GMS visitor insurance covers pre-existing medical conditions under certain specific rules. It covers pre-existing medical conditions that have been stable for at least 180 days before coverage begins. Applicants aged 55 and older are subject to additional medical eligibility requirements, and some serious medical conditions may affect eligibility even if they are stable.

Is GMS suitable for the Super Visa?

Yes, GMS is eligible for Super Visa insurance when the coverage amount is $100,000 or more and for one year.

What is the maximum coverage available under GMS visitor insurance?

GMS offers emergency medical coverage limits up to $150,000.

Does GMS visitor to Canada insurance include dental coverage?

Yes, GMS includes up to $2,000 for accidental dental treatment and up to $300 for emergency dental pain relief.

Are side trips outside Canada covered by GMS Visitor to Canada Insurance?

Yes, GMS Visitor to Canada Insurance supports trips taken to other countries from Canada (the trip must start and end in Canada). However, they must not exceed 30 days per policy or 49% of the total number of coverage days in your policy. Coverage is not available in your country of origin.

What is a stable pre-existing condition in GMS visitor travel Insurance?

According to GMS, a pre-existing condition remains stable if, during the 180 days before the policy effective date, there have been no new or changed treatments, no new prescriptions or medication adjustments, and no worsening of the condition. This also includes no new or more severe symptoms, no hospitalizations, specialist referrals, follow-up visits, or diagnostic tests related to the condition.

What are the benefits of purchasing a visitor health insurance policy before arriving in Canada?

Purchasing a GMS visitor health insurance policy before arriving in Canada offers several benefits, including immediate coverage upon entry, protection against unexpected medical emergencies, and peace of mind during travel.

Can I get a refund if I return home early?

Yes, GMS visitor to Canada insurance may provide partial refunds for unused coverage. Proof of departure is required, and an administration fee applies. Refund eligibility is subject to the policy terms and conditions.

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Health insurance is not mandatory for every visitor entering Canada. Visitors can enter without insurance, though having coverage is strongly recommended as they are not covered under Canada’s public healthcare system. Also, exceptions apply where health insurance is strictly mandatory.

Do you need medical insurance for visiting Canada?

Standard Tourists (eTA/Visitor Visa): Not legally mandatory, but strongly recommended to avoid severe out-of-pocket hospital bills (up to $5,000/day).
Super Visa Applicants: Strictly mandatory. Requires a minimum of $100,000 in coverage from an approved insurer for 365 days.
International Students: Mandatory, but the type of coverage (public vs. private) depends entirely on your province of study.
Returning Canadians: Highly recommended to cover the mandatory waiting period (up to 3 months) before provincial health coverage is reinstated.

Call 1-888-601-9980 to speak to our licensed advisors right away, or book some time with them below.

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Super visa vs. standard visitor visa: Requirements explained

Understanding whether you need visitor insurance largely depends on the type of visa you are using to enter the country.

1. Medical insurance for Super Visa applicants (Mandatory)

If you are a Canadian citizen or permanent resident inviting your parents or grandparents to Canada under the Super Visa program, you must include a visitor health insurance policy with the application.

To meet the latest Immigration, Refugees and Citizenship Canada (IRCC) requirements, your Super Visa insurance policy must:

Duration: Be valid for a minimum of 1 year (365 days) from the date of entry into Canada.
Minimum coverage: Provide a minimum of $100,000 in emergency medical coverage.
Scope: Cover health care, potential hospitalization, and repatriation (returning the individual to their home country).
Provider: Be issued by a Canadian insurance company OR a foreign insurance company authorized by the Office of the Superintendent of Financial Institutions (OSFI) to conduct business in Canada.
Payment: Be paid in full upfront, or paid in approved installments with a deposit (insurance quotes alone are not accepted by border officials).

2. Medical Insurance for Standard Visitors (Highly Recommended)

If you are travelling to Canada on an eTA (Electronic Travel Authorization) or a standard Visitor Visa, you do not technically need insurance to cross the border.

However, the medical services, including emergency room visits, diagnostics, and ambulance rides, are billed at premium rates to non-residents, hence investing in a policy is the smartest way to protect your travel plans and your finances.

What is the cost of visitor health insurance in Canada?

The cost of visitor medical insurance depends on the visitor’s age, pre-existing health conditions, the duration of their stay, and the coverage limit selected. On average, for a single-trip travel insurance policy with $100,000 in coverage, monthly premiums range from $72.30 to $405 per month.

Cost of travel medical insurance in Canada:

Visitor’s age	Premium without pre-existing condition coverage	Premium with stable pre-existing condition coverage
25 years	$69.00/month	$92.70/month
35 years	$82.50/month	$100.20/month
45 years	$100.50/month	$115.50/month
55 years	$107.40/month	$129.60/month
65 years	$116.10/month	$168.60/month
75 years	$240.00/month	$328.80/month
85 years	$324.00/month	$512.46/month

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

Do international students in Canada need health insurance?

Yes, all international students must have health insurance while studying in Canada. However, how you get that insurance depends on the province or territory where your school is located.

Some provinces offer public health coverage to international students who meet specific criteria, while others mandate the purchase of private insurance.

Healthcare coverage for international students by province:

Province/territory	Public health coverage available	Details
Alberta	Yes	International students studying for at least six months are eligible for AHCIP coverage. Basic expenses are covered; dental and prescription drugs are not. Private insurance is needed if ineligible for AHCIP
British Columbia	Yes	Eligible for MSP if studying for at least six months. Coverage begins after a 3-month waiting period, during which iMED provides basic insurance. Extended coverage may be purchased through schools or private insurers
Manitoba	No	Required to have Manitoba International Student Health Plan for emergency medical services
New Brunswick	Yes	Eligible for New Brunswick Medicare if enrolled full-time for at least one year. Basic coverage only; extended health coverage is recommended
Newfoundland and Labrador	Yes	Automatically enrolled in the Foreign Health Insurance plan. Basic coverage if studying full-time for at least 12 months. Private insurance is needed if ineligible
Northwest Territories	Yes	Eligible for Northwest Territories Health Care if studying for more than 12 months. Basic coverage only; extended coverage recommended
Nova Scotia	No	Health coverage is required; not available through the provincial program. Schools offer plans, often mandatory. Coverage costs approximately $650/year. After one year, eligibility for MSI may be possible.
Nunavut	Not applicable	No designated learning institutions; health insurance is not applicable.
Ontario	No	Not eligible for OHIP. Universities offer health insurance plans (UHIP) through educational institutions, with costs added to university fees
Prince Edward Island	Yes	Eligible for PEI Health Card if studying for at least six months, after three months of residency. Private insurance is required initially
Quebec	Sometimes	Reciprocity agreements with some countries allow for RAMQ coverage. If not eligible, students must purchase school-provided or private insurance
Saskatchewan	Yes	Eligible for basic health coverage with Saskatchewan Health Card if studying for at least six months. Some institutions offer private insurance plans
Yukon	No	Mandatory group health insurance plan through Yukon College for all international students

Do returning Canadian citizens need visitor insurance?

Yes, in many cases. If you are a Canadian expat returning to live in Canada permanently, most provinces (such as British Columbia and Alberta) enforce a mandatory waiting period of up to three months before your provincial health coverage is reinstated.

During this “bridging” period, you are personally responsible for all medical costs. It is highly recommended to purchase a temporary Visitors to Canada insurance policy to protect yourself until your provincial health card becomes active.

Can I stay in Canada without health insurance?

Yes, you can legally stay in Canada without health insurance if you are on a standard visitor visa, but this can be an immense financial risk.

If you go to a Canadian hospital or emergency room without insurance, you will not be turned away in a life-threatening emergency, but you will be billed for 100% of the medical services out of your own pocket. For a non-resident, the financial breakdown can be staggering:

Standard ER Visit: $800 to $1,500+ just to be seen by a doctor.
Hospitalization: $3,000 to $5,000+ per night for an inpatient bed.
Emergency Surgery: Tens of thousands of dollars depending on the severity.

Given these costs, staying in Canada without coverage leaves you vulnerable to sudden, severe debt.

Is visitor medical insurance worth it?

Yes, visitor health insurance is worth it for anyone travelling to Canada. Since Canada’s public healthcare system does not cover non-residents, you must pay out of pocket for any medical services you need during your stay.

Visitor health insurance protects you from these high medical expenses. It allows you to access emergency care, hospital services, and diagnostic tests without facing a financial crisis. It also gives you peace of mind knowing you won’t have to delay treatment due to cost concerns.

With flexible plans that match your exact duration of stay and age, the monthly premium is a negligible fraction compared to the thousands of dollars you may have to pay for an uninsured emergency room visit.

How to get the best visitor health insurance quotes in Canada?

Getting health insurance as a visitor in Canada involves three key steps: assessing your coverage needs, comparing available plans, and selecting a policy that fits both your medical requirements and your budget. That’s where PolicyAdvisor makes the process easier and more reliable.

We work with 30+ of Canada’s top visitor insurance providers to offer a wide range of visitor health insurance plans. Whether you’re visiting for a few weeks or staying long-term under a Super Visa, our licensed insurance advisors provide personalized, unbiased guidance to help you understand your options and choose the best policy for your situation.

Our after-sales support ensures that if you have questions, need to make changes, or need assistance during a claim, you’ll have expert help at every step. Schedule a call with our team to get the best visitor insurance quotes in Canada today!

Frequently asked questions

Can I get health insurance in Canada as a visitor?

Yes. Since Canada’s public healthcare system only pays out to residents and citizens, private insurers offer specialized “Visitors to Canada” health insurance plans. These cover emergency medical costs like doctor visits, hospital stays, and prescription medications.

Can I purchase visitor insurance for Canada after I arrive?

While some insurers allow it, it is highly recommended to purchase insurance before you arrive. Buying it after arrival often triggers a “waiting period” (usually 48 hours to 8 days, depending on the insurer) during which you will not be covered for any illnesses.

Will I get a refund if my Super Visa is denied or I leave early?

Yes, most Canadian insurance plans offer a 100% premium refund if your Super Visa application is denied (administrative fees may apply). If you depart Canada early and return to your home country, you can typically get a prorated refund for the unused days, provided you have not made any medical claims on the policy.

How do I make an insurance claim in Canada in case of an emergency?

Contact your insurance provider’s emergency assistance number immediately, ideally before receiving treatment, if possible. You will need to complete a claim form and submit all original medical bills, receipts, and invoices within the timeframe specified by your policy (usually 30 to 90 days).

Can I go to the ER in Canada without health insurance?

Yes, you can go to the ER in Canada without health insurance, but you may face significant out-of-pocket costs. While Canadian residents typically have access to publicly funded healthcare, visitors without insurance will have to pay out-of-pocket for emergency services. It’s strongly recommended to have health insurance to cover these potential expenses.

What happens if you go to the hospital without insurance in Canada?

If you go to the hospital in Canada without insurance, the hospital will expect that you pay for all medical services out of your own pocket. Canada’s healthcare system does not provide free coverage for visitors or non-residents. Depending on the type of care you need, bills can range from a few hundred to several thousand dollars.

What happens if you get sick without travel health insurance in Canada?

If you get sick without travel medical insurance, you will be liable for paying the full cost of medical treatment out of pocket. Unlike Canadian citizens and permanent residents, visitors are not covered under provincial health care plans. Even a minor illness can result in substantial medical bills.

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21st Century Visitor to Canada Insurance is a popular insurance plan for travellers that offers emergency medical coverage of up to $200,000 for up to 730 days, making it among the longest coverage durations available in Canada. Travellers can choose from three plans: Basic, Standard, and Enhanced, depending on their medical needs and budget.

The Standard and Enhanced plans of the 21st Century travel medical insurance Canada also offer coverage for dental emergencies and accidental death and dismemberment (AD&D), making them great for those seeking comprehensive coverage.

21st Century visitor to Canada insurance at a glance: Coverage, duration, eligibility

Feature	Details
Ideal for	Long-stay visitors who need emergency medical coverage and prefer monthly payments.
Plan options	Basic, Standard, and Enhanced
Coverage amount	Up to $200,000
Pre-existing conditions	Covered under Enhanced plan (subject to the policy’s stability period and age/medical questionnaire requirements)
Age Eligibility	Basic Plan: Ages 0 (30 days) and older (no maximum age limit) Standard and Enhanced Plans: Ages 0 (30 days) to 85 years
Waiting period	Age 85 and under: 72 hours if the policy is purchased within 30 days of arriving in Canada 7 days if the policy is purchased after 30 days of arriving in Canada Over age 85: 15 days if purchased after arriving in Canada
Monthly payment option	Available (For coverage plans $100,000 and up with at least 1 year of coverage)
Maximum policy duration	Up to 730 days

Call 1-888-601-9980 to speak to our licensed advisors right away, or book some time with them below.

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21st Century visitor to Canada insurance: Key features and plans

21st Century’s visitor insurance offers flexible and long-term emergency medical coverage for travellers visiting Canada. The plan provides up to $200,000 in coverage with monthly payment options for easier budgeting. Furthermore, 21st Century offers three plan options: Basic, Standard, and Enhanced, allowing travellers to select the level of coverage that best matches their health needs, budget, and travel requirements.

Additionally, it features flexible deductibles ranging from $0 to $10,000. With coverage for up to 730 days, it is among the longest coverage options available. The Enhanced plan also offers a 180-day stability period for pre-existing medical condition coverage, making it great for visitors.

Here’s a rundown of the Basic, Standard, and Enhanced plans under the 21st Century visitor to Canada insurance:

Feature	Basic Plan	Standard Plan	Enhanced Plan
Eligible ages	No age limit	0–85 years	0–85 years
Pre-existing Condition coverage	Not covered	Not covered if the condition existed in the previous 180 days	Covered if stable for 180 days
Medical questionnaire	Not required	Not required	Required for ages 60–85
Coverage Limits	Up to $200,000	Up to $200,000	Up to $200,000
Deductibles	$0–$10,000	$0–$10,000 plus disappearing deductible option	$0–$10,000 plus disappearing deductible option
Dental Coverage	Not included	Up to $4,000 for accidental dental, plus $500 for emergency dental pain	Up to $4,000 for accidental dental, plus $500 for emergency dental pain
Prescription Medication	Up to $500 (30-day supply)	Up to $1,500 (30-day supply)	Up to $1,500 (30-day supply)
Accidental Death and Dismemberment (AD&D) coverage	Not included	$50,000 included	$50,000 included
Extra Injury Coverage	Not included	Additional $50,000 with $100,000 coverage option	Additional $50,000 with $100,000 coverage option
Follow-up treatment	One follow-up visit per event	Unlimited until the emergency ends	Unlimited until the emergency ends

Advisor insight: The Enhanced plan is usually the strongest option for seniors with stable medical conditions since it balances emergency coverage with pre-existing condition protection. For example, if a 72-year-old parent visiting Canada has controlled high blood pressure or diabetes that has remained stable for at least 180 days, the Enhanced plan can help cover emergency medical expenses related to those conditions during their stay.

How much does 21st Century visitor health insurance cost?

The cost of a visitor to Canada health insurance policy from 21st Century ranges from $73.20 to $726.60, depending on age, coverage amount, duration, and health status.

Here are the premium costs of 21st Century visitor health insurance based on an individual’s age and insurance plan:

Sample 21st Century visitor to Canada insurance cost

Age	Basic Plan	Standard Plan	Enhanced Plan
25 years	$73.20	$107.10	$113.10
35 years	$87.60	$112.20	$120.00
45 years	$106.50	$139.50	$146.70
55 years	$114.00	$144.00	$155.40
65 years	$148.50	$217.20	$254.40
75 years	$275.10	$399.00	$469.50
85 years	$421.20	$579.60	$726.60

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

Learn more about visitors to health insurance for non-residents in Canada

How to reduce the cost of 21st Century visitor health insurance?

To reduce your 21st Century Visitor to Canada Insurance premium costs, you can use three primary methods:

Apply as a family: qualify for a premium reduction when applying as a family or travel group.
Travel Companion Savings: a premium reduction of 5% applies to each traveller purchasing the coverage and travelling together
Select a higher deductible or a disappearing deductible: choose a higher deductible to lower your premium by up to 40%.

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

See how your 21st Century Visitor to Canada insurance premiums change with different deductible amounts:

Deductible Amount	Premium Reduction
$100	5%
$250	10%
$500	15%
$1,000	20%
$5,000	35%
$10,000	40%

Additionally, the Standard and Enhanced plans also support disappearing deductible options.

Disappearing deductible

The disappearing deductible is a special deductible option (available on the Standard and Enhanced plans) when purchasing $25,000, $50,000, or $100,000 in coverage. It applies separately to each sickness-related claim and can provide significant savings for larger medical emergencies.

Here’s how it works:

A $2,500 deductible applies to sickness-related claims when eligible expenses are $2,500 or less
If eligible sickness-related expenses exceed $2,500, the deductible is completely waived
Coverage is then paid from the first dollar of eligible expenses
For injury-related claims, the deductible is automatically waived

You also get a reduction on your premiums when you select a disappearing deductible.

See how your 21st Century Visitor to Canada insurance premiums change with different disappearing deductible amounts:

Deductible Option	Premium Reduction	Age Eligibility	Availability
$2,500 Disappearing Deductible	30%	Up to age 85	Standard & Enhanced Plans with $25,000 coverage
$2,500 Disappearing Deductible	25%	Up to age 85	Standard & Enhanced Plans with $50,000 coverage
$2,500 Disappearing Deductible	20%	Up to age 85	Standard & Enhanced Plans with $100,000 coverage

Advisor insight: The disappearing deductible can be a valuable feature for visitors who want lower premiums without sacrificing protection against major medical expenses. While you pay for smaller claims, larger amounts automatically receive full coverage from the first dollar once expenses exceed $2,500.

Who is eligible for 21st Century visitor health insurance?

Any non-resident in Canada meeting 21st Century’s medical eligibility criteria and not covered by a provincial health care plan is eligible for the visitor to Canada insurance plan. This includes tourists, parents visiting on a Super Visa, international students, work permit holders, new immigrants, and returning Canadians who are not yet eligible for Canada’s provincial health care.

However, you may not be eligible for the 21st Century health insurance for visitors to Canada under the following circumstances:

Travelling to Canada against a physician’s advice
Diagnosed with a terminal illness with a life expectancy of less than two years
Diagnosed with or treated for pancreatic, lung, brain, or liver cancer within the last 2 years
Diagnosed with congestive heart failure or metastatic cancer at any time
Having had or awaiting an organ or bone marrow transplant (excluding corneal transplant)
Used or been prescribed home oxygen within the last 12 months
Reside in a nursing home or long-term care facility, or require kidney dialysis

Does the 21st Century visitor to Canada insurance cover pre-existing conditions?

Yes, the 21st Century visitor to Canada insurance covers stable pre-existing conditions under the Enhanced plan, as part of the comprehensive emergency medical benefits.

Here’s what a stable pre-existing condition means:

Any sickness, illness, disease, symptom, or injury that existed before your policy started
Any condition for which medication was taken, prescribed, or received within the last 180 days. This includes “as needed” medications
Any condition that required medical treatment, consultations, or monitoring before coverage began
The condition is assessed based on the 180 days before your policy’s effective date

Check out our review of the Best Visitors Insurance in Canada

What are the pros and cons of 21st Century visitor health insurance policy?

21st Century’s visitor health insurance stands out for its flexible plans, up to $200,000 in emergency medical coverage, and monthly payment options. However, there are certain drawbacks, such as the higher premiums for seniors.

Here’s a quick overview of the pros and cons of the 21st Century visitor to Canada health policy:

Pros of 21st Century visitor to Canada insurance

Long-term coverage with a two-year plan
Offers monthly premium payment and family plan options
Coverage available for up to 730 days, ideal for Super Visa applicants and long-term visitors
Flexible deductible options ranging from $0 to $10,000
Disappearing deductible on Standard and Enhanced is a unique feature
Travel companion mobile app (TravelAid) that provides GPS-enabled medical and claims assistance

Cons of 21st Century visitor to Canada insurance

Travellers aged 86 and older cannot purchase the Enhanced Plan, limiting access to pre-existing condition coverage.
The two-month deposit becomes non-refundable after arrival in Canada, even if coverage is cancelled early.
Maximum coverage is capped at $200,000, which is lower than that of many competing visitor insurance providers.

Can I pay monthly for my 21st Century medical insurance for visitors?

Yes, you can opt for a monthly payment plan when purchasing 21st Century medical insurance for visitors to Canada. To qualify, the policy must provide at least $100,000 in coverage and have a minimum term of one year, although applicants can choose a two-year policy option if desired.

At the time of application, only a two-month premium deposit is required, with the third premium payment due when coverage is activated. In addition, a $50 policy fee applies as well. The deposit is usually non-refundable, with certain exceptions (such as visa application denial or withdrawal before activation).

For example, a couple applying for a Canadian Super Visa may choose 21st Century’s monthly payment plan with $100,000 in coverage for 365 days instead of paying the full premium upfront. They would only need to pay a two-month deposit and a $50 policy fee when submitting their visa application.

Are there any exclusions or limitations to the 21st Century visitor health insurance in Canada?

Yes, while 21st Century visitor insurance to Canada offers comprehensive coverage, there are limitations related to high-risk sports, waiting periods, and self-inflicted injuries.

Here’s a list of the major 21st Century visitor insurance exclusions and limitations:

Illness during the waiting period
Known medical treatment before travel
Unapproved cardiac procedures
Self-inflicted injuries
Alcohol or drug-related conditions
High-risk sports and activities
Pregnancy-related expenses
Ongoing treatment from before coverage
Medical exams for immigration or visa purposes
Ongoing treatment after the emergency ends

Find out in details about the common exclusions and limitations of visitor health insurance in Canada

Does 21st Century allow extensions to its visitor health insurance policy?

Yes, you can obtain additional coverage if your stay in Canada is longer than originally planned, but this is typically done by purchasing a new 21st Century Visitors Insurance policy. If you are thinking about extending your coverage, you must purchase a new policy before your current coverage expires.

To avoid a gap in coverage, the new policy must be arranged before your current policy expires. Each new policy is treated as a separate contract with its own effective date and terms.

Additionally, here is when your 21st Century visitor to Canada insurance will be automatically extended:

Coverage is automatically extended for up to 72 hours if your return flight or common carrier is delayed
If you are hospitalized on the policy expiry date, coverage may continue for up to 365 days during hospitalization
Coverage may continue for up to 5 days after hospital discharge or until medically stable for travel
If a medical emergency occurs within 5 days before policy expiry and prevents travel, coverage may be extended for up to 5 days

How to file a claim with 21st Century Visitor to Canada Insurance?

21st Century follows a documentation-based claims process that requires policyholders to complete the claim forms and provide supporting medical/travel documents within the specified timelines. Claims should be submitted within 30 days of the medical expense, while proof of claim must be provided within 90 days of treatment or claim notification.

Here’s how you can file a 21st Century claim for visitors insurance:

Call the assistance centre immediately

Contact the assistance centre in Canada and the United States at 1-877-882-2957, and internationally at +1 (519) 251-7856. The service is available 24 hours a day, 7 days a week. Failure to do so may result in a 20% co-insurance penalty.

Gather required documents

Provide medical records and a physician’s diagnosis, proof of treatment expenses (including itemized bills and payment receipts), and travel documents such as your passport, visa, or airline ticket. Depending on your situation, additional supporting documents may also be required.

Meet claim deadlines

You will need to report the claim within 30 days of the incident and submit proof of claim within 90 days of treatment or occurrence.

Submit claims

You can submit claims online through the Travel Claims portal or use the TravelAid app to file claims or contact administrators.

Read about why you should purchase visitors insurance while travelling to Canada

21st Century visitor health insurance vs. other visitor insurance providers

Here’s a quick overview of the 21st Century visitor health insurance policy compared to similar policies offered by Manulife, TuGo, Allianz, and others:

Provider	Pre-Existing Conditions Coverage	Monthly Payments	Maximum Coverage
21st Century	Yes, if stable for 180 days (Enhanced Plan)	Yes	Up to $200,000
TuGo	Yes, if stable (7–365 days depending on age and trip length)	No	Up to $500,000
Allianz	Yes, if stable (90 days ≤59 years; 180 days ages 60–89)	No	Up to $500,000
GMS	Yes, if stable for 180 days	No	Up to $150,000
MSH International Discover Canada	Yes, if stable (90 days ≤70 years; 180 days ages 71–80)	Yes	Up to $1,000,000
Destination Canada	Yes, if stable (90 days ≤59 years; 180 days ages 60–79)	Yes	Up to $300,000
Travelance	Yes, if stable for 180 days (Premier Plan; Essential Plan excludes pre-existing conditions)	Yes	Up to $150,000
Secure Travel	Yes, if stable (90 days ≤69 years; 180 days ages 70–84)	Yes	Up to $1,000,000

For a comprehensive review and comparison, head over to our list of the best medical Insurance for Visitors to Canada (2026)

How to purchase the 21st Century visitor health insurance?

PolicyAdvisor’s licensed advisors help travellers find the right 21st Century Visitor to Canada Insurance plan by comparing coverage options and recommending options based on medical needs, travel duration, and budget.

Our advisors can guide you through the different plans and explain important details such as deductibles, exclusions, and policy limits. Whether you’re looking for affordable visitor insurance or coverage that meets Super Visa requirements, our team can help you select the coverage that best fits your situation.

Frequently Asked Questions

Can I extend my 21st Century visitor insurance policy if I decide to stay in Canada longer?

Yes, you can apply for a new plan that extends your 21st Century Visitor to Canada Insurance policy if your stay in Canada is longer than originally planned.

Who is eligible for 21st Century visitor insurance?

21st Century visitor insurance is available to visitors, tourists, Super Visa applicants, immigrants, and returning Canadians travelling to or staying in Canada. For this, the plans need to be a minimum of $100,000 and for one year.

What is the difference between the Enhanced, Standard, and Basic plans?

The Enhanced plan offers the highest level of coverage, including support for stable pre-existing conditions. Meanwhile, the Standard plan offers balanced coverage at a moderate price. The Basic is the most affordable plan with limited benefits and fewer add-ons.

Can I get a refund if I return home early?

Yes, 21st Century visitor to Canada insurance may provide partial refunds for unused coverage if you return home earlier than planned, subject to policy terms.

Do I need to contact 21st Century before medical treatment?

Yes. Policyholders are usually required to contact the emergency assistance provider before receiving treatment, except in life-threatening emergencies. In circumstances where you are unable to contact the assistance centre, you must have someone call on your behalf within 24 hours.

Which 21st Century plan is best for seniors visiting Canada?

The Enhanced plan is generally the best option for seniors since it offers broader emergency medical coverage and supports stable pre-existing conditions.

Is the 21st Century visitor medical insurance Basic plan sufficient for visitors to Canada?

The Basic plan is usually suitable for healthy travellers looking for affordable emergency medical coverage. However, it has limited benefits compared to the Standard and Enhanced plans.

Is 21st Century good for parents visiting Canada?

Yes. 21st Century visitor to Canada insurance is a popular visitors insurance for seniors in Canada, for parents and grandparents visiting Canada. It offers Super Visa-compatible plans, monthly payment options, and long-term coverage for visitors.

What are the benefits of purchasing a visitor health insurance policy before arriving in Canada?

Purchasing a visitor health insurance policy before arriving in Canada offers several benefits, including immediate coverage upon entry, protection against unexpected medical emergencies, and peace of mind during travel.

How can I lower premiums for 21st Century visitor to Canada insurance?

The best way to lower premiums for 21st Century visitor to Canada insurance is to choose a higher deductible. A higher deductible lowers your costs, making it more affordable. Additionally, you can get a family or group rate when applying for two or more people.

What is the waiting period for the 21st Century visitor insurance?

A waiting period applies if you purchase the policy after arriving in Canada or fail to notify 21st Century of your actual arrival date. The visitors to Canada insurance waiting period is 72 hours if coverage is purchased within 30 days of arrival and 7 days if purchased after 30 days. A 7-day waiting period may also apply when upgrading coverage, lowering deductibles, or switching to a plan that includes stable pre-existing condition coverage without a gap between policies.

Is 21st Century suitable for the Super Visa?

Yes, all three plans are eligible for the Super Visa when the coverage amount is $100,000 and above with a minimum duration of one year. The ability to extend to two years alongside the monthly payment plans makes it ideal for parents and grandparents.

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Is Visitor Insurance for Canada Refundable? Refund Rules, Eligibility & Deadlines

How much does Visitor Insurance cost?

When is visitor insurance refundable?

1. Free look cancellation

2. Official visa denials

3. Trip cancellation before arrival

4. Early return

5. Coverage under government plans

General rules for all refunds

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

Can I cancel a monthly insurance plan and get a refund?

Can I get a refund on my visitor medical insurance if I’m pregnant and can’t travel?

What happens to my refund if I decide to withdraw my visa application voluntarily?

Can I get a refund if I made a claim but have months of insurance left?

What happens to the refund if the insured person passes away?

Can I get a refund for the days I spend visiting the United States during my trip?

How to claim your visitor to Canada insurance refund: Steps & documentation

Can a visitor insurance refund request be rejected?

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

Frequently Asked Questions

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

Can I cancel visitor insurance after arriving in Canada?

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

What documents are required to request a visitor insurance refund?

How to file a visitor insurance claim: A step-by-step guide

What should you do before filing a visitor insurance claim?

Direct billing vs. reimbursement claims in visitor insurance

How to file a visitor insurance claim: Step-by-step process

What documents do you need to file a visitor to Canada insurance claim?

Where can you get a visitor insurance claim form?

How long does a visitor to Canada insurance claim take?

What is an Explanation of Benefits (EOB)?

What are the most common reasons for visitor insurance claims being denied?

How to appeal a denied visitor insurance claim?

Need help filing a visitor insurance claim?

Frequently asked questions

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

Can I file a claim for expenses I paid upfront?

How can I check the status of my claim online?

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

Will a visitor insurance claim affect future coverage?

Health insurance for visitors to Canada: How healthcare works for visitors

Can visitors use Canada’s healthcare system?

Where can visitors receive medical treatment in Canada?

How much does healthcare cost for visitors in Canada?

How much does medical insurance for visitors to Canada cost?

How much does Visitor Insurance cost?

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

How do you pay for treatment with visitor insurance?

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

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

Do visitor health insurance plans cover pre-existing conditions?

Are pregnancy and childbirth covered under visitor insurance?

How to prepare for healthcare needs before travelling to Canada

Frequently asked questions

Do visitors get free healthcare in Canada?

Can visitors go to a hospital in Canada?

Can visitors buy health insurance after arriving in Canada?

Is health insurance for visitors to Canada mandatory?

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

Travelance Visitor to Canada Insurance review (2026): Coverage, costs, pros & cons

Quick review: Travelance Visitors to Canada Insurance

What is Travelance Visitors to Canada Insurance?

Key features of the Travelance visitors to Canada insurance plan

Need insurance answers now?

What does the Travelance visitors to Canada insurance cover?

Pros and Cons of Travelance visitor to Canada insurance

How much does Travelance visitor health insurance cost?

How much does Visitor Insurance cost?

How to reduce the cost of Travelance visitor health insurance?

Who is eligible for Travelance visitor insurance?

Who is not eligible for Travelance visitor insurance?

Does Travelance visitor health insurance cover pre-existing conditions?

Ages 69 and under

Ages 70–79

Ages 80 and over

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

How to file a claim with Travelance visitor insurance?

Can you cancel or get a refund on Travelance visitor insurance?

How to extend coverage instead of cancelling?