Visitors to Canada Insurance
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Visiting Canada, sponsoring a parent, or waiting for your provincial health card? Canada’s public health plans won’t cover you — here’s the coverage that will, and how to get it.
Who needs Visitors to Canada insurance?
What Visitors to Canada insurance covers
| Coverage | Detail |
|---|---|
| Emergency medical | Hospital stays, surgery, doctor visits, prescriptions — up to the coverage amount you choose (Visitors to Canada plans offer limits up to $300,000). |
| Ambulance | Ground and, where medically necessary, air ambulance. |
| Dental emergencies | Relief of sudden, acute dental pain. |
| Repatriation | Return to the home country when medically necessary; return of remains. |
Pre-existing conditions & stability
The full Visitors to Canada plan can cover stable pre-existing conditions — the required stability period before the policy date depends on age:
The budget Basic Visitors plan is more limited (for example, no trip cancellation and a lower prescription cap) — check how it treats pre-existing conditions before choosing it if there’s a health history. “Stable” means no changes to symptoms, medication, or treatment in the period before departure. Confirm the current stability rules in the policy wording — see the pre-existing conditions hub.
Buying for a Super Visa
If your parents or grandparents are applying for a Canadian Super Visa, they must carry private medical insurance from a Canadian insurer (or an IRCC-approved provider) valid for at least one year with a minimum of $100,000 coverage. The Visitors to Canada plans we offer are designed to meet this requirement.
How much does it cost?
There’s no fixed price. Premiums depend on the visitor’s age, the coverage amount, the length of stay, the deductible you choose, and any pre-existing conditions. The only way to see an exact figure is a quote.
Changed your mind? You have 10 days from the policy’s application date to review it — cancel within those 10 days, provided travel hasn’t started and the policy hasn’t expired, for a full refund, no fee. This doesn’t apply if the policy was purchased after arriving in Canada. Refund details.
How to get covered
- Get a quote — pick the coverage amount and dates of the visit.
- Buy the policy — the visitor or the Canadian host can purchase it, before or after arrival.
- Travel covered — carry the policy confirmation and the 24/7 assistance number.
Visitors to Canada insurance FAQ
Can I buy it for my parents from Canada?
Does it cover a provincial-coverage waiting period?
What if the visit is cancelled?
Does it cover pre-existing conditions?
In a medical emergency abroad, call the assistance line before treatment so the team can direct your care and coordinate billing with the hospital. Multilingual, collect calls accepted worldwide.
All emergency numbers — including direct hospitalization and Mexico lines — are on the claims & emergency page. Assistance is provided by TuGo, the policy administrator.
