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Compare Visitor to Canada Insurance Quotes
Get instant quotes from Canada's top providers, compare coverage, and buy online in minutes.
Visitor to Canada insurance quotes
Provincial health care in Canada is limited to residents, leaving visitors responsible for any medical expenses. Visitor insurance helps cover the cost of doctor visits, emergency treatment, prescriptions, and more during your stay. With PolicyAdvisor, you can easily compare visitor insurance plans from top Canadian providers and choose coverage that fits your budget.
Sample visitor insurance quotes in Canada
Every quote is personalized, but the table below gives you an idea of what to expect for $100,000 in coverage with a $0 deductible.
| 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 |
*Cost of $100,000 in coverage for a visitor travelling to Canada for 30 days.
Who should get a visitor to Canada insurance quote?
A visitor to Canada medical insurance is essential for anyone entering Canada without provincial health coverage. Here’s who it’s typically for.
Super Visa applicants
IRCC requires parents and grandparents to hold private coverage. Comparing Super Visa insurance quotes helps you meet the $100,000 minimum in emergency coverage.
Tourists & vacationers
A single medical emergency can cost an uninsured visitor thousands out of pocket. Comparing quotes lets you lock in low-cost protection for your exact travel dates.
Returning Canadians
After an extended stay abroad, most provinces enforce a waiting period of up to three months before public health care is reinstated. Visitor insurance protects you through the transition.
International students
Comparing student travel health insurance quotes bridges the gap affordably until your university plan or provincial coverage (OHIP, MSP) officially kicks in.
IEC & work permit holders
International Experience Canada participants must show, on arrival, health insurance that covers the full length of their work permit.
New immigrants & expats
Some provinces enforce a three-month waiting period before public health care activates. Visitor insurance covers emergency hospital visits and prescription drugs in the meantime.
What an uninsured visit can cost
Without coverage, every dollar comes straight out of pocket. A serious injury can reach five figures within days.
Typical out-of-pocket figures for uninsured visitors in Canada. None of it is covered by the public system.
Get your visitor insurance quote in 3 steps
Getting visitor insurance quotes online is quick and straightforward with PolicyAdvisor. We just need a few details to show you the best options for your trip.
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1. Submit your trip details
Add coverage dates, number of travellers and their age, coverage amount, and deductible.
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2. Compare quotes instantly
See prices and benefits side by side from top Canadian insurers.
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3. Buy online or talk to an advisor
Purchase in minutes, or call a licensed advisor for help at any step along the way.
Why choose PolicyAdvisor for visitor insurance quotes in Canada
PolicyAdvisor helps you compare visitor insurance quotes online with complete clarity, so you understand the cost and what each plan covers before you decide.
See personalized visitor insurance quotes right away, with no follow-ups or calls.
Compare Manulife, TuGo, GMS and more side by side, without switching between sites.
You pay the insurer's price, nothing more.
Browse your options freely and make a decision when you're ready
Get covered start to finish in a few minutes. No paperwork, no in-person visits, everything digital.
Connect with licensed advisors for guidance on Super Visa rules, pre-existing conditions and more.
Which companies provide visitor insurance quotes on PolicyAdvisor?
We help you get visitors to Canada insurance quotes from Canada’s most trusted insurers, so you can review your options in one place.
Insurers we compare:
What factors determine your visitor insurance quote?
When you generate a quote, the premium you see isn’t arbitrary. Insurers calculate your specific rate based on four primary factors:
Age of the traveller
The biggest pricing factor. Quotes are set in age bands (25 to 34, 55 to 59, 70 to 74, and so on), and premiums rise with age, with a noticeable jump past 65.
Length of stay
Visitor insurance is priced by the day, so a 30-day quote usually costs about half of a 60-day quote for the same coverage tier.
Coverage limit selected
Policies generally range from $10,000 to $500,000 in emergency medical coverage. A $100,000 quote will cost more than one for $50,000.
Pre-existing medical conditions
Adding coverage for a stable pre-existing condition raises your premium above a standard policy that excludes past medical history.
How do I compare visitor insurance quotes?
When your quotes load, look beyond the lowest price. Start with the coverage limits, since companies set different maximum caps on individual benefits: one insurer may cover prescription drugs up to $500, while another sets a different limit even at the same overall coverage amount. Check the deductible options too, since a higher deductible lowers your premium.
Compare how each insurer treats stable pre-existing conditions, including whether they’re covered and the stability period required, as this varies from one company to another. Finally, review the exclusions: every company excludes different things, which often explains why two similar quotes are priced differently.
How can I lower my visitor insurance quote?
A lower visitor insurance quote comes down to a few simple choices, from the coverage you select to how you structure your plan.
Choose only the coverage you need
Most companies offer basic, standard, and enhanced plans. A basic plan is usually the most affordable and avoids paying for benefits you may not use.
Increase your deductible, if comfortable
Plans with higher deductibles usually have lower premiums. It's a simple way to cut costs, as long as the deductible stays manageable if you need to claim.
Enter exact travel dates
Visitor insurance is priced by the number of days you're covered. Even a few extra days add to the total, so it's best to be accurate.
Compare plans side by side
Similar-looking plans can be priced differently across insurers. Comparing options helps you spot the cheapest one and avoid overpaying for the same coverage.
Skip unnecessary add-ons
Additional benefits push the premium up. Only include extras that are relevant to your stay, so you're not paying for coverage you don't need.
Choose a suitable coverage level
Shorter stays or younger travellers may be fine with a moderate level, while longer stays or older visitors often need higher limits, which cost more.
Why you should compare visitor insurance quotes before arriving in Canada
Buy visitor insurance after you arrive in Canada and insurers enforce a strict illness waiting period, typically anywhere from 48 hours to 7 days. During that window you’re only covered for accidental injuries; any expenses from sudden sickness, infections, or flu symptoms are denied and come out of pocket.
Buying before you travel means coverage activates the minute you land, eliminating the gap entirely. And because waiting periods vary significantly by provider, comparing quotes matters: one insurer might impose a 48-hour delay for illness claims, while another extends it to a full 7 days.
Can I pay my quoted premium monthly?
Traditional visitor insurance policies require a lump-sum payment upfront, but several top providers now offer monthly payment plans. This is especially useful for Super Visa applicants and long-term tourists, whose premiums for extended stays can run high. Paying monthly lets you secure comprehensive medical protection without covering the entire premium at once.
To qualify, your policy generally has to meet specific duration and limit requirements. Providers typically require a trip of at least 90 to 180 days, with a coverage limit of $50,000 or $100,000 or more. They also charge an upfront security deposit, usually equal to two months of premiums, plus a one-time, non-refundable administrative fee.
Frequently Asked Questions
Is comparing visitor insurance quotes free?
Yes. Comparing visitor insurance quotes through PolicyAdvisor is completely free, with no obligation to buy. You can run as many quotes as you like and explore different providers at no cost. If you purchase, you pay only the insurer’s premium.
Can I get an instant quote online?
Yes. Quotes are generated instantly online, with no phone calls or follow-ups required, so you can compare your options at your own pace. If you would prefer guidance, a licensed PolicyAdvisor advisor is available to help you choose.
Can I get a quote if my travel dates are not yet finalized?
Yes. You can request a quote using your best estimate of the dates. Since visitor insurance is priced by the number of days covered, your final premium depends on the confirmed dates, so update them before you purchase.
When does my visitor insurance coverage start?
Coverage typically begins on the policy start date you select. If you buy after arriving in Canada, many insurers apply a short waiting period for illness-related claims, while accidents are usually covered right away. It is best to buy before you travel.
Can I get one quote for my whole family?
Yes. You can add multiple travellers to a single quote, including your spouse and children, and enter each person’s age for accurate pricing. Our quote tool then shows options from each insurer for everyone together, so family coverage is easy to compare.
Can I pay monthly instead of all at once?
On longer policies of about 90 days or more, many plans let you pay monthly rather than in a single payment, usually a small deposit followed by the balance spread across the term. Paying up front is typically the most affordable option overall.
Will my quoted price change?
Your quote is based on the details you enter, so the price stays the same unless those details change. Adjusting the coverage amount, deductible, traveller ages, or dates updates the quote.
Can I buy the policy right after getting a quote?
Yes. Once you have chosen a plan, you can complete your purchase online in minutes, with no paperwork or in-person visit. For many plans, coverage can begin as early as the next day.
Do I receive proof of coverage after I buy?
Yes. As soon as your purchase is complete, your policy documents and confirmation are emailed to you as proof of coverage. Many plans also include a free-look period, often around ten days, to review your policy and cancel for a refund if you have not travelled or claimed.
