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What is visitor to Canada insurance?
Visitor insurance Canada is an emergency medical coverage for non-residents visiting Canada, including parents on Super Visas, tourists, international students, and foreign workers. Policies start at $70–$115/month for healthy travelers under 65, with minimum $100,000 coverage.
What does visitor insurance cover?
Visitor insurance for Canada helps cover eligible emergency medical expenses if a non-resident becomes unexpectedly ill or injured during their stay. Depending on the plan, coverage may include emergency hospital and physician care, diagnostic tests, prescription drugs, ambulance transportation, emergency dental treatment and medical evacuation.
Coverage is subject to the policy’s limits, deductible, exclusions and eligibility requirements. Here’s a list of all the inclusions in a medical insurance plan for visitors to Canada:
- Emergency medical and hospital care: Covers reasonable and customary charges for medical care received from a physician, whether in or out of the hospital
- Prescription drugs: Covers medically necessary prescription medication required to treat an eligible emergency, up to the plan limit
- Diagnostic tests: Covers necessary blood work, X-rays, CT scans, MRIs and other tests used to diagnose or treat an emergency
- Paramedical services: Covers services such as physiotherapy, chiropractic care or massage therapy, where medically necessary and allowed by the policy
- Pre-existing conditions: May cover stable pre-existing conditions. Coverage depends on the insurer’s stability period, medical questionnaire and policy wording
- Repatriation: Cover the costs of emergency medical evacuation back to your home country, which can be a significant cost without coverage
- Accidental death and dismemberment (AD&D): May provide a lump-sum benefit for a covered accidental death or qualifying loss of limb, sight, speech or hearing
- Emergency dental care: May provide coverage for emergency dental treatment or surgery that may have resulted from an accident or sudden injury
- Ambulance transportation: Covers the costs of ambulance services (whether ground or air) needed to transport the visitor to the nearest hospital or medical facility
- Meals, accommodation and local transportation: May cover eligible hotel, meal and taxi costs if a covered emergency delays the visitor’s return home
- Childcare: Certain plans may cover limited childcare expenses if the insured visitor is hospitalized and unable to care for their dependent child
- Side trips or trip breaks: May allow limited travel outside Canada or a short return to the visitor’s home country without ending coverage
Who needs visitor insurance in Canada?
Visitor insurance is recommended for tourists, visiting family members, parents and grandparents, international students, and new workers who are not yet covered by a provincial health plan. It is mandatory for Super Visa applicants, who must show qualifying private medical coverage when applying.
Super Visa Insurance
Coverage that fits the requirements for those applying for a Canadian Super Visa
International Students
Coverage for international students attending school in Canada or Canadians studying abroad
Foreign Workers
Coverage for those working in Canada before they are eligible for provincial health plans
Recognized as a leader in the industry
What is super visa insurance?
Super Visa insurance is private emergency medical insurance for parents and grandparents applying for Canada’s Super Visa. It helps cover eligible emergency health-care costs, hospitalization and repatriation because Super Visa holders are not eligible for provincial health coverage.
Because a Super Visa grants long-term, multi-entry access, allowing parents and grandparents to stay in Canada for up to 5 consecutive years per entry, the Canadian government has strict rules in place to ensure these visitors are medically protected.
Super visa insurance requirements
To be approved for a Super Visa, the insurance policy submitted with the application must meet the following strict government criteria:
- Minimum Coverage: The policy must provide at least $100,000 CAD in emergency medical coverage.
- Validity Period: It must be valid for a minimum of 1 year (365 days) starting from the date of entry into Canada.
- Approved Provider: The policy must be issued by a Canadian insurance company or an OSFI-authorized foreign insurer.
- Scope of Coverage: The insurance must specifically cover emergency health care, hospitalization, and repatriation.
- Proof of Payment: You must provide proof that the policy is active and paid for. Insurance quotes alone are not accepted, though policies paid via approved monthly installments are permitted.
- Expanded Care: Policies must also cover emergency mental health treatments, rehabilitation services, and telemedicine consultations.
- Streamlined Claims: Streamlined pre-authorization rules help visitors have their claims approved much faster during an emergency.
How much does visitor insurance to Canada cost?
The average cost of visitor health insurance for travelers to Canada typically ranges from $70 to $400 per month. For instance, younger travelers (under 35 years) may pay between $70 and $90 monthly, while those aged 70 years and older may see costs rise between $200 and $400 per month.
The following table shows a comparison of visitor insurance in Canada monthly premiums, with and without pre-existing condition coverage:
| Visitor’s age | Premiums without pre-ex |
Premiums with Pre-ex |
| 25 years | $72.30/mo. | $92.70/mo. |
| 35 years | $90.90/mo. | $100.20/mo. |
| 45 years | $101.70/mo. | $115.50/mo. |
| 55 years | $110.70/mo. | $129.60/mo. |
| 65 years | $133.20/mo. | $168.60/mo. |
| 75 years | $240.00/mo. | $328.80/mo. |
| 85 years | $405.00/mo. | $453.92/mo. |
Looking for affordable visitor insurance?
Call 1-888-601-9980 to speak to our licensed advisors right away, or book some time with them below.
Why should you buy visitor insurance to Canada?
Visitors to Canada need medical insurance because public healthcare doesn’t cover non-residents visiting Canada. Without insurance coverage, you could face tremendously high costs for medical emergencies. Even your home country’s public health care generally won’t cover trips abroad. The Government of Canada advises comprehensive travel insurance to avoid unexpected expenses for emergency room visits, transportation back to your home country, prescription drug and dental costs.
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.
What factors affect the cost of visitor insurance in Canada?
Several factors such as the tourist’s age, health condition, and trip details affect the cost of health insurance for visitors to Canada. Young and healthy visitors will have to pay lower premiums while those above the age of 65 will pay higher premiums. Similarly, a pre-existing condition will increase the cost of premiums.
The cost of visitor insurance to Canada depends on factors like:
- Age
- Type of coverage (emergency medical, trip interruption/cancellation, baggage loss, etc.)
- Trip length
- Medical history
- Amount of coverage
- Deductible
- Pre-existing medical conditions
Which company offers the best health insurance plans for visitors to Canada?
Several insurance providers such as Manulife, Tugo, Allianz, Travelance, 21st century, GMS and more offer health insurance for visitors to Canada. Different providers have different premiums, policy inclusions, deductibles, and coverages. Some companies offer tiered visitor insurance plans, categorized as basic, standard, and enhanced or Plan A and Plan B. The different plan categories will be priced differently depending on the policy coverage.
At PolicyAdvisor, we partner with Canada’s best visitor insurance providers:
- Manulife
- Tugo (iA Financial Group)
- Group Medical Services (GMS)
- Allianz
- 21st Century Travel Insurance Limited
- Destination Canada
- Travelance
- Secure Travel
How to buy visitor insurance in Canada?
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.
Frequently asked questions
- Some provinces provide health coverage after waiting periods
- Others require students to purchase private coverage
- Many schools require proof of insurance for enrollment
- Student insurance often includes mental health and sports coverage
