What is Super Visa insurance in Canada?

Super Visa insurance is mandatory travel medical insurance for parents and grandparents of Canadian citizens or permanent residents applying for a Super Visa.

Because visitors are not eligible for Canada’s provincial healthcare systems, this specialized insurance protects them from the high out-of-pocket costs of emergency medical care. Successfully securing this policy is a prerequisite for the visa, which allows eligible family members to stay in Canada for up to five consecutive years per entry without needing to renew their status.

Official IRCC Super Visa insurance requirements (2026)

• Minimum $100,000 coverage for health care, hospitalization, and repatriation
• Valid for at least one year from entry into Canada
• Covers health care, hospitalization, and repatriation
• Paid in full before application (monthly plans only qualify if the insurer has received full payment and can issue proof)
• From a Canadian insurer or an OSFI‑authorized foreign insurer on IRCC’s designated list

Best Super Visa insurance companies in Canada (2026)

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

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

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

Detailed reviews of the best super visa insurance companies in Canada (2026)

According to our licensed insurance experts, the providers below are among the best super visa insurance companies in Canada for 2026.

How much does Super Visa insurance cost in Canada?

On average, Super Visa insurance costs between $1,100 and $4,500 per year for a standard $100,000 policy. The costs vary based on age, medical history, trip length, and coverage amount. Premiums rise with age and increase if pre-existing conditions are included. Choosing the right plan can help families manage costs while meeting IRCC requirements.

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

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

Can I buy Super Visa insurance after arriving in Canada?

Whether you can buy Super Visa insurance after arriving depends entirely on your current visa status and application location.

1. Applying from outside Canada

If you are applying for your initial Super Visa from your home country, you cannot wait until you arrive to buy insurance. Immigration, Refugees and Citizenship Canada (IRCC) requires you to submit proof of a valid policy alongside your initial application. F

urthermore, Canadian Border Services Agency (CBSA) officers can ask to see your active policy upon landing. If you arrive without valid insurance, you risk being denied entry or restricted to a standard 6-month visitor stay.

2. Applying or renewing from inside Canada

You can legally purchase Super Visa insurance after arriving in Canada if you are currently in Canada on a standard visitor visa and applying to switch to a Super Visa or already on a Super Visa and need to renew an expiring one-year policy to maintain your legal status and extend your stay.

Note that if you purchase an insurance policy after your arrival date, Canadian insurers will apply a strict illness waiting period. While coverage for accidental injuries begins immediately, any sickness or disease will not be covered for a set timeframe, typically 48 hours to 7 days, depending on the provider and how long you have already been in Canada.

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

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

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

What if my visa is approved, but travel plans change?

If your visa is approved but the applicant’s travel dates are delayed, you do not need to cancel the policy. Simply contact your broker to change the effective date of the policy before the original start date passes. If the parent or grandparent decides not to travel to Canada at all, you can still cancel the policy for a refund, though the administration fee may be slightly higher.

How to file a Super Visa insurance claim in Canada?

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

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

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

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

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

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

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

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

Are monthly payments available for Super Visa insurance?

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

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

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

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

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

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 and $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:

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
• Paramedical services and medical equipment: Depending on the policy, eligible physiotherapy, nursing services, or medical appliances may be covered up to specified limits
• 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 
• Support  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:

• Pre-existing conditions that do not meet the policy’s stability requirements. 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
• Certain mental or emotional disorders 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. Some insurers in Canada can cover pre-existing medical conditions, but the condition typically has to meet the plan’s definition of stability for a specified period before coverage begins.

This stability period varies from insurer to insurer. 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. Additionally, the definition of stability can vary for each insurer, since they have different thresholds for what counts as a pre-existing condition.

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. The exact definition of stability matters since changes in symptoms, medication, treatment, or other medical circumstances can affect whether a condition qualifies as stable under a particular policy.

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:

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 your licensed advisors guide you.

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

Do visitors 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. Many 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. However, you may be personally responsible for the cost since the government will not cover any expenses for visitors. 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. 

Does visitor insurance cover prescription drugs in Canada?

Yes, visitor insurance policies from certain Canadian insurers can cover prescription medication when it is required as part of an eligible medical emergency, subject to the policy’s limits and conditions. For example, Manulife includes prescription drugs under its Visitors to Canada coverage, while GMS covers medication prescribed by the attending physician for up to a 30-day prescription

Can families buy visitor insurance together?

Yes, some insurers offer family coverage for eligible visitors, allowing families to stay protected together. Additionally, insurers like Manulife offer savings for family plans when travelling with a spouse and dependent children.

Can I increase or extend my visitor insurance coverage after buying it?

Yes, you may be able to extend the duration and coverage amount of an existing visitor insurance policy if you continue to meet the insurer’s requirements. You can request an extension if there are unexpected changes in your itinerary or you wish to stay for a longer period.

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

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

Destination Canada Visitor Medical Insurance Plan Coverage

What does Destination Canada’s visitor insurance not cover?

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

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

Benefits of Destination Canada’s visitor insurance to Canada

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

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

What are the pros and cons of Destination Canada’s visitor health insurance?

While Destination Canada covers both emergency and non-emergency expenses, it offers limited coverage for pre-existing conditions and excludes coverage for adventure activities.

Pros and cons of Destination Canada’s visitor to Canada insurance:

How much does visitor health insurance from Destination Canada cost?

Visitor health insurance from Destination Canada can cost anywhere between $77-$426 for $100,000 in coverage for 30 days across different age groups. Here’s a table highlighting the costs:

Cost of Destination Canada’s visitor insurance

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

Advisor insight: The Standard and Enhanced plans are often the safest option for seniors who want stronger financial protection against unexpected medical expenses during an extended stay in Canada.

How much does Manulife visitor health insurance cost?

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

Here are the sample premium costs of the Manulife visitor health insurance based on an individual’s age and health status:

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

How to reduce the cost of Manulife visitor health insurance?

To reduce your Manulife Visitor to Canada Insurance premium costs, you can utilize two primary methods:

• Apply as a group: Qualify for a 5% premium reduction when applying as a family or travel group.
• Select a higher 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 Manulife Visitor to Canada insurance premiums change with different deductible amounts:

Who is eligible for Manulife visitor insurance?

Any non-resident in Canada meeting Manulife’s definitions and medical eligibility criteria and not covered by a provincial health care plan is eligible for Manulife’s 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.

However, you are not eligible for Manulife travel insurance for visitors if:

• You are travelling against the physician’s advice or have a terminal illness with less than 2 years to live
• You have been diagnosed with or received treatment within the last 2 years for pancreatic, lung, brain, or liver cancer
• You have ever been diagnosed with any type of cancer that has spread from one part or organ of the body to another (metastatic cancer)
• You have had or are waiting for an organ or bone marrow transplant (excluding corneal transplant) 
• You have ever been diagnosed with congestive heart failure or a kidney condition requiring dialysis
• You have used home oxygen in the past 12 months or reside in a nursing home, long-term care facility, or rehabilitation centre

Does Manulife visitor health insurance cover pre-existing conditions?

Yes, Manulife Visitor to Canada Insurance can cover certain pre-existing medical conditions, but coverage depends on the plan you choose:

• Basic Plan: Does not cover any pre-existing medical conditions
• Standard Plan: Covers conditions that did not exist within 180 days before coverage
• Enhanced Plan: Covers eligible pre-existing medical conditions that have been stable for at least 180 days before the effective date, subject to the policy terms

Applicants aged 55 to 85 must also complete Manulife’s medical declaration to qualify for the Enhanced Plan. Additionally, applicants aged 54 or younger do not need to complete the declaration.

What does Manulife consider a stable pre-existing condition?

Under Manulife’s definition, a pre-existing condition is considered stable only when all of the following requirements are met during the required stability period:

• No new or changed treatment: You have not started new treatment, had treatment changed, or stopped existing treatment
• No medication changes: You have not changed medication or been advised to start a new prescription drug
• No worsening of the condition or symptoms: Your medical condition has not deteriorated, and you have not experienced new, more frequent, or more severe symptoms
• No hospitalization or specialist referral: You have not been hospitalized or referred to a specialist because of the condition
• No pending tests or investigations: You do not have recommended tests, investigations, or treatment that remain incomplete, and you are not waiting for test results
• No planned treatment: There is no planned or pending treatment for the condition

Are there any exclusions or limitations to Manulife travel insurance?

While Manulife travel insurance provides comprehensive emergency medical and trip cancellation coverage, certain situations like medical tourism and high-risk activities are excluded or limited under the policy.

Here’s an overview of some of the common exclusions and limitations of Manulife travel insurance:

Note: This list summarizes the most common exclusions found across Manulife travel insurance plans. Coverage varies by plan and policy wording. It is recommended to refer to your policy for the complete list of exclusions, limitations, and definitions.

Key things to know before buying Manulife visitor insurance

Here are the major things you must keep in mind during your Manulife travel insurance for visitors policy period:

• 24-hour call requirement: Policyholders must contact Manulife’s Assistance Centre (1-877-878-0142) before obtaining emergency treatment or within 24 hours of hospitalization. Failure to do so may result in a 20% coinsurance penalty. 
• Pre-approval for diagnostic procedures: MRIs, CT scans, ultrasounds, biopsies, and certain cardiovascular procedures require prior approval from the Assistance Centre unless it is a life-threatening emergency. 
• Automatic policy extensions: The coverage may automatically extend at no extra cost for travel delays (up to 72 hours), hospitalization on the expiry date, or medical emergencies occurring within 5 days before the policy expires.
• TravelAid app: Manulife also has a dedicated TravelAid App that you can use to file claims or contact claim administrators. It can also provide directions to the closest medical facility wherever you are in the world.

Can you cancel or get a refund on Manulife Visitor Insurance?

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

Here are Manulife visitor insurance cancellation and refund rules at a glance:

• 10-day free look period:

You may be eligible for a full refund if you cancel within 10 days of purchase, before your departure date, and no claim has been made. Terms and conditions apply.

• Visa refusal refunds: 

Full refunds may be available if your visa or Super Visa application is refused before coverage begins. However, proof of visa refusal is required.

• Early return refunds:

      Partial refunds for unused coverage days may be available if you:

• Return to your country of origin early, or
• Become eligible for a provincial or government health insurance plan (GHIP)
• No claim can have been paid or denied

Note: Proof of departure or GHIP coverage is required. Refund eligibility is subject to policy conditions, and refunds are generally unavailable if a claim has been paid or denied.

However, a handling fee applies to partial refunds once a claim has been initiated. Manulife will deduct this fee from your refund amount according to the terms and conditions.

Here are the deductions for refunds with claims:

• Claim withdrawn: refund issued minus a $300 file handling fee per claim
• Claim denied: refund issued minus a $500 file handling fee per claim

How to extend Manulife visitor insurance coverage??

If you are thinking about extending your coverage instead of cancelling, you must purchase a new Manulife policy before your current coverage expires.

To avoid a new waiting period, the new policy must:

• Start immediately after the old policy ends
• Not reduce the deductible
• Not increase the coverage limit
• Not switch from a non-pre-existing condition plan to a pre-existing condition plan tier (Basic to Standard/Enhanced)

Note that eligibility for an extension may depend on factors such as your claims history, health status, and the length of coverage requested. Additional premiums will apply, and certain conditions may need to be met.

How does Manulife compare to other visitor insurance options?

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

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

Yes, the Enhanced plan covers pre-existing medical conditions under certain specific rules. The Enhanced plan covers stable pre-existing medical conditions for at least 180 days before coverage begins.

Is Manulife suitable for Super Visa? 

Yes, all three plans are eligible for the Manulife Super Visa insurance when the coverage amount is $100,000 and above.

What is the maximum coverage available under Manulife visitor insurance?

Manulife offers emergency medical coverage limits up to $200,000 under the Basic, Standard, and Enhanced plans.

Does Manulife visitor to Canada insurance include dental coverage?

Yes, the Standard and Enhanced plans of the Manulife visitor insurance include up to $4,000 for accidental dental treatment and up to $300 for emergency dental pain relief. However, the basic plan has no support for dental work.

Are side trips outside Canada covered by the Manulife Visitor to Canada Insurance?

Yes, the Manulife Visitor to Canada Insurance supports any trip taken to other countries from Canada (starts and ends in Canada). However, it must not exceed the lesser of 30 days per policy or 49% of the total number of coverage days in your policy.

What is a stable pre-existing condition in the Manulife Visitor Insurance?

Under Manulife visitor insurance, a pre-existing medical condition is considered stable if there have been no new treatments, medications, or changes to existing treatment plans within the required stability period. The condition must not have worsened, produced new or more severe symptoms, required hospitalization or specialist referrals, or involved any pending tests, investigations, or planned treatments. 

Can you buy Manulife Visitor to Canada insurance after arriving in Canada? 

Yes, you can buy Manulife Visitor to Canada insurance after arriving in Canada, but this will incur a waiting period. For Basic, Standard and Enhanced, the waiting period is 72 hours if purchased within the first 30 days after arrival and 7 days if purchased 31 days or more after arrival. However, travellers aged 86 or older have a 15-day waiting period for the Basic plan.

Can you leave Canada and return without cancelling Manulife visitor insurance? 

Yes, Manulife allows both side trips outside Canada and approved trip breaks to your country of origin. However, a covered side trip must start and end in Canada and cannot exceed the lesser of 30 days per policy or 49% of your total coverage days.

Can families be covered under one Manulife Visitor to Canada policy? 

Manulife allows more than one person to be insured under the same policy, provided their effective and expiry dates are identical. According to Manulife, a family consists of two parents/legal guardians and unmarried dependent children under age 22 visiting Canada with them.

What does Secure Travel visitor insurance plan cover?

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

Standard vs. Enhanced Plan

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

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

Exclusions to Secure Travel’s visitor to Canada insurance

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

The cost of Rimi visitor health insurance policy varies between $90 to $330, depending on factors such as age, gender, and whether the individual has any pre-existing conditions. Some of the premiums may be as follows:

Secure Travel Premium Costs & Pricing (2026)

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

What does Allianz Visitors to Canada Insurance cover?

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

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

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

Pros and cons of Allianz Visitor to Canada Insurance

How much does Allianz visitor health insurance cost?

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

Sample Allianz visitor insurance cost (2026)

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

Can you pay monthly for Allianz medical insurance for visitors?

No, you cannot pay monthly for your Allianz Visitors to Canada insurance since it requires the full premium to be paid upfront for the entire coverage period. This can be particularly important for travellers who are purchasing coverage for an extended stay, since the upfront premium can be significantly higher.

Who is eligible for Allianz visitors to Canada insurance?

Any visitor to Canada between 15 days and 89 years old who meets Allianz’s definitions and medical eligibility criteria and is not covered by a provincial health care plan is eligible for the visitor to Canada plan. Additionally, applicants need to be in good health at the time of the policy’s purchase and on the date they exit the country of origin.

Eligible applicants for Allianz visitors to Canada insurance can include:

• Tourists visiting Canada
• Parents and grandparents visiting family
• Super Visa applicants
• Work permit holders
• New immigrants waiting for provincial health insurance
• Returning Canadians who are temporarily without government health coverage

Who is not eligible for Allianz visitor insurance?

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

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

Does Allianz visitor health insurance cover pre-existing conditions?

Yes, Allianz Visitors to Canada Insurance offers coverage for pre-existing medical conditions if the condition meets the policy’s stability requirements before coverage begins.

The required stability period depends on the policyholder’s age:

• 59 years or younger: The condition must generally be stable for at least 90 days before the effective date
• 60 to 89 years: The condition must generally be stable for at least 180 days before the effective date

What does Allianz consider a stable pre-existing condition?

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

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

What medical changes can be considered stable by Allianz? 

Here are some of the situations that Allianz travel insurance considers as stable:

• Routine insulin adjustments to control diabetes, provided the insulin was not first prescribed during the stability period
• Switching from a brand-name medication to a generic version, provided the medication was not newly prescribed, and the dosage does not change
• Certain minor ailments that ended more than 30 days before the effective date and satisfy the policy’s treatment/follow-up requirements

Can you extend Allianz visitor insurance coverage?

You can extend your coverage only before you depart from your country of origin. Any extension after that period will be considered a new policy, with its own effective date and applicable limitations, stability requirements, or exclusions. 

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.
• Any pre-existing condition exclusions and stability requirements will be reassessed based on the new policy’s effective date.

Automatic extension of Allianz visitor insurance coverage

Apart from the regular extension, Allianz also offers automatic extensions at no additional premium under the following circumstances:

• Delay of conveyance: up to 72 hours when transportation is delayed for circumstances beyond the policyholder’s control
• Medically unfit to travel: up to 5 days of extension when medical evidence shows the policyholder cannot travel due to a covered sickness or injury
• Hospitalization: Coverage continues throughout hospitalization, plus 72 hours after release to travel home

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:

Visitor insurance in Canada is emergency medical coverage for tourists, parents and grandparents, Super Visa applicants, international students, and other people visiting Canada temporarily. The best visitor insurance plan depends on the traveller’s age, health history, length of stay, coverage limit, deductible, and eligibility needs.

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

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

What are the best visitor insurance companies in Canada

Based on our comparison of coverage, eligibility, pre-existing-condition provisions, deductibles, payment flexibility, and policy features, these are the leading visitor insurance providers in Canada for 2026:

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

These categories are based on the features most relevant to each traveller profile. No provider is the best choice for every visitor, and coverage, eligibility, exclusions, stability periods, deductibles, and premiums vary by applicant and policy.

Visitor insurance in Canada: Top recommendations for seniors, parents, super visa applicants, and long-term visitors

The best visitor insurance plan depends on who is coming to Canada, how long they plan to stay, their age and medical history, and whether they need coverage for a Super Visa, study permit, work permit, or tourism. The recommendations below help different types of visitors compare plans based on their likely coverage needs.

• Visitor insurance for seniors: Manulife offers visitor insurance plans for older travellers, including options for visitors up to age 85 and coverage for eligible stable pre-existing medical conditions
• Visitor insurance for international students: Allianz offers a dedicated International Students to Canada plan with up to $2 million in emergency medical coverage
• Visitor insurance for parents and grandparents: Secure Travel offers Visitors to Canada and Super Visa insurance plans with coverage of up to $1 million, making it an option for parents and grandparents visiting family in Canada
• Visitor insurance for long-term visitors: 21st Century offers options designed for longer stays, including a Monthly Payment Plan and a Two-Year Upgrade feature on eligible plans
• Visitor insurance for visitors with pre-existing conditions: TuGo offers visitor insurance with options for eligible pre-existing medical conditions, subject to the plan’s specific stability-period requirements and terms

Common exclusions in Visitors to Canada insurance policies

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

How much does visitors health insurance cost?

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

What affects visitor insurance costs?

Several factors influence visitor insurance costs:

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

Who should buy visitors to Canada insurance?

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

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

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

How to choose the best travel insurance for visitors to Canada

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

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

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

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

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

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

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

How to get the best visitor health insurance policy in Canada

When preparing for a visit to Canada, securing medical insurance for visitors is a crucial step to protect yourself from the high costs of healthcare. It not only serves as a financial safety net against inflated medical bills but also guarantees access to necessary medical care when needed, offering peace of mind throughout your trip.

However, choosing the right visitor health insurance for your unique needs can be tricky! This is where PolicyAdvisor and our vast array of experience and grip over the market comes in. Speak with licensed advisors at PolicyAdvisor to explore budget-friendly plans tailored to your needs, so you can enjoy your trip to Canada stress-free and focus on creating memorable experiences.

Frequently asked questions

Can I visit Canada without medical insurance?

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

When is the best time to buy my policy?

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

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

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

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

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

I have high blood pressure; will I be covered?

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

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

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

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

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

Key changes to the Super Visa application in 2026

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

Here are the updated rules for 2026:

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

Super Visa Eligibility Requirements

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

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

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

What is needed for a Super Visa insurance?

The minimum requirements for a Super Visa insurance policy are:

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

What is the LICO requirement for a Super Visa?

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

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

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

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

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

Which are the best Super Visa Insurance providers in 2026?

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

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

Best super visa insurance companies in Canada: At a glance

Our advisor’s take on Super Visa insurance in Canada

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

At PolicyAdvisor, we recently helped a family looking to bring a 68-year-old parent to Canada under the Super Visa program. The parent has a pre-existing medical condition and needs coverage that accounts for their health history, while offering customization. We recommended TuGo’s Visitors to Canada insurance since it offers comprehensive coverage and has optional coverage for certain unstable pre-existing conditions.

Client profile

• Age: 68
• Traveller: Parent visiting family in Canada under the Super Visa program
• Primary concern: Emergency medical protection during a long-term stay in Canada
• Medical history: Pre-existing condition requiring coverage
• Coverage goal: Super Visa medical insurance that meets visa eligibility while offering coverage for eligible pre-existing conditions

Why we recommended TuGo Super Visa insurance:

• Coverage for stable pre-existing conditions
• Flexible coverage options, making TuGo suitable for enhanced customization with various riders
• 24-hour accident insurance, up to $25,000
• Up to 5 follow-up visits within 14 days of the initial emergency medical treatment, offering comprehensive coverage

Frequently Asked Questions

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

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

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

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

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

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

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

Can I buy Super Visa insurance from India?

Yes, you can buy Super Visa insurance while you are in India. The policy must be from a Canadian insurer or an eligible foreign insurer authorized by OSFI and must meet IRCC’s Super Visa requirements.

Can you get a refund for Super Visa insurance?

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

Can you cancel Super Visa insurance?

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

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

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

How do you make a claim on Super Visa insurance?

If a parent or grandparent needs emergency medical treatment while covered by Super Visa insurance, contact the insurer’s emergency assistance service as soon as possible, preferably before treatment. Once the claim is raised, policyholders will need to submit a completed claim form along with supporting documents such as itemized medical bills, receipts, proof of payment, and medical records.

Can foreign workers in Canada get Super Visa insurance for their families?

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

Does Super Visa insurance cover dental treatment or dental emergencies?

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

How long does Super Visa insurance coverage last?

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

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

Does Super Visa insurance cover doctor visits?

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

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

Which providers offer Super Visa insurance?

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

• Manulife
• TuGo
• Group Medical Services (GMS)
• Allianz
• 21st Century Travel Insurance Limited
• Destination Canada

Secure Travel, Travelance, Destination Canada, and 21st Century are among the insurers offering some of the cheapest visitor insurance in Canada in 2026. Visitor insurance starts at $58.78/month for $100,000 in coverage for a 35-year-old visitor staying in Canada for 30 days, when choosing a $10,000 deductible. Premiums vary based on age, trip duration, coverage amount, health history, and deductible.

With more people arriving in Canada than before, the demand for the cheapest visitor insurance is surging. According to a report, Canada’s travel insurance market is projected to grow to $1.1 billion by 2030. The cheapest travel health insurance options in Canada for non-residents may vary based on the individual’s health and the coverage offered.

Top companies for the cheapest visitor health insurance

Several companies, such as Secure Travel, Manulife, Travelance, Destination Canada, and 21st Century, offer affordable visitor health insurance for non-residents in Canada. Here are some of the top providers for cheap travel insurance for visitors to Canada, offering affordable plans across different age groups, medical conditions, and coverage needs.

1. Secure Travel: Cheapest for comprehensive coverage

2. Manulife: Cheapest for basic coverage

3. 21st Century: Cheapest for longer stays

4. Travelance: Cheapest for monthly plans

5. Destination Canada: Cheapest for deductibles

6. GMS: Cheapest for pre-existing conditions

Cheapest travel insurance for visitors to Canada

In the section below, we personally reviewed visitor insurance quotes from multiple providers and compared them based on affordability across age groups, pre-existing medical conditions, monthly payment options, deductibles, and overall value.

1. Secure Travel: Cheapest for comprehensive coverage

Secure Travel ranks among the cheapest visitor insurance providers in Canada for comprehensive coverage. It typically costs between $94 and $240 for a 30-day policy with $100,000 in emergency medical coverage. Its affordable premiums, flexible deductible options, and monthly payment plans make it one of the most cost-effective choices for visitor and Super Visa insurance coverage.

Our methodology: To compare pricing consistently, we picked quotes using the same coverage details and trip length across insurers. The comparison uses a 30-day stay, $100,000 in emergency medical coverage, and no pre-existing conditions, with quotes collected for travellers at ages 35, 45, 55, 65, and 75. This shows how premiums change as the traveller’s age increases and how Secure Travel compares with other providers at each age.

Here is a comparison showing Secure Travel’s premiums for travellers aged 35 to 75:

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

Key reasons why our advisors recommend Secure Travel:

• Emergency medical coverage available up to $1 million
• Includes up to $50,000 in accidental death and dismemberment (AD&D) coverage
• Automatic 72-hour policy extension for eligible travel delays at no additional cost
• Covers stable pre-existing medical conditions
• Enhanced plans include up to $3,000 for dental injuries and $500 for emergency dental pain relief
• Flexible deductible and payment options help reduce premium costs for visitors

2. Manulife: Cheapest for basic coverage

Manulife offers multiple Basic, Standard, and Enhanced options, allowing visitors to choose a plan that matches both their budget and medical needs. Its basic coverage is one of the cheapest in the industry and comes with no maximum age limit. A 30-day Manulife visitor insurance policy with $100,000 in emergency medical coverage typically costs between $73 and $275 per month, depending primarily on the traveller’s age and coverage requirements.

Our methodology: We compared monthly premiums for $100,000 in emergency medical coverage over a 30-day stay at ages 25, 35, 45, 55, 65, and 75 years. Our comparison focused on basic coverage from Manulife, MSH, and Destination Canada, showing how quoted premiums vary across different age groups. The results help illustrate how the cost of visitor insurance changes as travellers get older and how Manulife’s pricing compares with other basic coverage options.

Here is a table depicting how Manulife is a more affordable option for basic coverage:

*Cost of $100,000 in coverage for a visitor travelling to Canada for a 30-day period, without pre-existing coverage

Key reasons why our advisors recommend Manulife:

• Accidental death and dismemberment benefits of up to $25,000
• Emergency medical coverage of up to $200,000
• Pre-existing coverage under Standard and Enhanced (subject to a 180-day stability period)
• Emergency dental coverage of up to $4000 for treatment of natural teeth and repairs to dentures or other dental devices
• The Basic plan has no age limit, making it easily accessible to older travellers

3. 21st Century: Cheapest visitor insurance to Canada for longer stays

21st Century is an affordable option for long-term stays. Its low-cost Basic Plan and flexible coverage durations make it especially attractive for healthy visitors, parents staying for several months, and travellers looking to reduce overall insurance costs on extended trips. The cost of a 21st Century visitor insurance policy typically ranges from $91 to $350, depending on the traveller’s trip duration.

Our methodology: In our comparison, we kept the traveller’s age fixed at 35 years. We compared the quoted cost of $100,000 in emergency medical coverage across three different stay lengths: 30, 90, and 120 days. This helped us focus on how trip duration alone affected the premium rates across the different insurers: 21st Century, Secure Travel, and TuGo. 

Here is a table depicting how 21st Century is a more affordable option for longer stays:

*Cost of $100,000 in coverage for a 35-year-old traveller visiting Canada without pre-existing coverage

Key reasons why our advisors recommend 21st Century:

• On the Monthly Payment Plan (MPP) option, the coverage limit resets to the full amount at the start of year two. The MPP offers a convenient payment option for those who want to reduce the upfront cost
• The Enhanced plan includes coverage for stable pre-existing medical conditions
• There is no age limit to get the Basic Plan, while Standard and Enhanced come with an age limit of up to 85 years
• High dental limits of up to $4000 under the Standard and Enhanced plans

4. Travelance: Cheapest for monthly plans

Travelance is the most cost-effective option for travellers who want to pay their premiums monthly rather than upfront. A 365-day Travelance visitor insurance policy with $100,000 in emergency medical coverage typically costs between $94 and $110 per month. 

Its low upfront costs, automatic coverage extensions in eligible situations, such as when a travelling companion is hospitalized, and emergency medical benefits make it a strong option for visitors managing a tight budget.

Our methodology: To assess Travelance’s monthly pricing, we looked at the monthly premium required for a full 365-day visitor policy with $100,000 in emergency medical coverage. The comparison focuses on insurers that offer a monthly payment option for this coverage period. We compared the monthly cost at ages 35, 45, and 55 against MSH and Destination Canada. 

Here is a table showing that Travelance is a more affordable monthly payment option:

*Monthly cost of $100,000 in coverage for a visitor travelling to Canada for a 365-day period

Key reasons why our advisors recommend Travelance:

• Offers a family rate that includes coverage for dependent children at no additional cost
• Extended coverage for up to 558 days
• The premier plan includes coverage for accidental death and dismemberment for up to $100,000
• Pre-existing coverage under the premium option for those up to 79 years of age
• Flexible deductibles including $250, $500, $1,000, $5,000, and $10,000

5. Destination Canada: Cheapest visitor insurance for deductibles

Destination Canada is a good option for travellers looking to reduce premiums through higher deductible options. A 30-day policy with $100,000 in emergency medical coverage typically costs between $59 and $98, depending on the deductible selected. With deductible options available up to $10,000, it is a good choice for budget-conscious travellers comfortable with a higher deductible in exchange for lower premiums.

Our methodology: Instead of comparing premiums by traveller age, we compared how different deductible options affect the quoted premium. We used a 30-day policy with $100,000 in emergency medical coverage and compared Destination Canada’s monthly price at four deductible levels: $0, $500, $1,000, and $10,000. The results also show that the premium decreases as the deductible increases for Destination Canada, GMS, and Allianz, and the same holds for other insurers. 

Here is a table depicting how Destination Canada is a more affordable option for deductibles:

*Cost of $100,000 in coverage for a 35-year-old visitor travelling to Canada for a 30-day period, without pre-existing coverage

Key reasons why our advisors recommend Destination Canada:

• Multiple deductible options available, starting as low as $0 and going up to $10,000
• High coverage limits available up to $300,000
• Accidental death and dismemberment coverage of up to $150,000
• Monthly payment options are available for policies with coverage amounts above $50,000 and trip durations exceeding 6 months
• Nursing care benefit available up to $10,000, which is significantly higher than many other competitors

6. GMS: Cheapest for pre-existing conditions

GMS is one of the strongest providers for travellers looking for affordable medical insurance for visitors in Canada with stable pre-existing medical conditions. GMS premiums for $100,000 in visitor insurance coverage with stable pre-existing condition coverage typically range from $106 to $455 per month for travellers aged 25 to 75. Moreover, its flexible plan options, lower medical screening requirements for younger visitors, and multiple deductible choices make it a good choice for those looking for visitor insurance to Canada.

Our methodology: The comparison uses $100,000 in visitor emergency medical coverage with stable pre-existing-condition coverage and takes into account different age groups: 25, 35, 45, 55, 65, and 75. We compared the quoted monthly premiums for GMS, 21st Century, and Manulife at each age to show how pricing changes across age groups when pre-existing conditions are covered. 

Here is a table depicting how GMS is a more affordable option for pre-existing conditions: