Visitors to Canada Insurance
From $3.77/day
Sample rate: adult 45, 30 days, $50,000 coverage, $0 deductible. Your price depends on age, length of stay and options.
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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 it Before or after arrival What it covers Pre-existing conditions
60 and over Super Visa Amount & deductible Cost Claims How to get it FAQ
Who needs Visitors to Canada insurance?
Before or after arrival? What the timing actually changes
You can buy this coverage after the visitor has already arrived — but buying before departure changes two real things:
Both points come from the plan’s own refund and effective-date rules — no artificial urgency, just how the product works. Refund details.
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 — note that a recent prescription change can restart the clock. Confirm the current stability rules in the policy wording — see the pre-existing conditions hub.
Visitors 60 and over
From age 60, the online flow asks one health question covering ongoing medical conditions and tobacco/nicotine use. Answer it accurately — it forms part of the application, and accuracy is what protects the coverage at claim time.
If the honest answer is “yes, or I’m not sure”, the online funnel deliberately stops there: a licensed advisor prices the situation personally instead of the website guessing. That’s the correct outcome, not a failure — disclosed conditions need a human, not a form.
Also from 60, the stability period for pre-existing conditions lengthens (180 days at 60–69, 365 days at 70+) — see the table above.
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.
Coverage amount & deductible: the two levers you control
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.
If something happens: what actually occurs at the hospital
- Call the 24/7 emergency line first — it answers worldwide, coordinates care, and can deal directly with the hospital on billing. Collect calls are accepted.
- Direct billing where possible — when the hospital bills the insurer directly, the visitor isn’t fronting a five-figure bill and waiting to be paid back.
- Claims are handled end-to-end by the policy administrator — see how claims actually work for the step-by-step.
The assistance number is on the policy confirmation — save it in the visitor’s phone on day one.
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?
Is it better to buy before or after arrival?
Does it cover a provincial-coverage waiting period?
Can several family members go on one policy?
What if the visit is cancelled?
Does it cover pre-existing conditions?
What is deliberately not covered?
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.
