Visitor Insurance in Canada
Protect Your Visit, Enjoy Peace of Mind: Visitor Insurance for a Safe Stay in Canada
Essential health coverage for tourists, family visitors, and newcomers.
If you or your loved ones are visiting Canada temporarily—whether for tourism, family visits, or short-term stays—it’s important to remember that Canada’s public healthcare system does not cover visitors. Without insurance, even a simple hospital visit can cost thousands of dollars.
Visitor Insurance protects against unexpected medical expenses during the visit, offering peace of mind and financial protection in case of illness, injury, or emergencies.
Who Should Get Visitor Insurance?
- Tourists or extended family visiting Canada
- Newcomers or immigrants waiting for provincial healthcare eligibility
- International students’ parents attending graduation or visiting
- Work permit holders or spouses who don’t yet qualify for MSP or OHIP
- Anyone entering Canada on a temporary resident visa
What Does Visitor Insurance Cover?
- Emergency medical care (doctor visits, walk-in clinics, ER visits)
- Hospitalization and surgery (due to accident or illness)
- Ambulance services
- Prescription medication during treatment
- Emergency dental care (for accidental injury)
- Repatriation of remains or return home after medical emergency
- Some plans offer limited coverage for pre-existing conditions
- Optional add-ons for trip interruption, baggage loss, or side trips
Coverage options typically range from $10,000 to $300,000 CAD, and policies can be purchased for as little as 1 day or up to 1 year, depending on the length of the stay.
How Does It Work?
- Choose a policy based on trip duration, age, and medical history.
- Submit a short health declaration (or no medical questions for basic plans).
- Receive instant policy confirmation and proof of insurance.
- If an emergency occurs, present your insurance card to the provider. Most plans offer cashless claims at Canadian hospitals and clinics.
Some policies also provide refunds for unused time if your visitor leaves early or if their visa is denied.
Why Is Visitor Insurance Important?
- A hospital stay in Canada can cost $3,000–$5,000 per day
- Ambulance fees, diagnostic tests, and surgery are not covered for visitors
- Government and travel visas do not include medical protection
- Travel insurance from other countries may not be accepted at Canadian facilities
- Protects visitors from using personal savings or relying on family in emergencies
Even healthy travelers can fall ill, slip on ice, or need urgent care—this insurance ensures they’re protected without financial strain.
Key Features
- Flexible coverage amounts from $10,000 to $300,000
- Immediate approval— get insured before or after arrival
- Options for pre-existing condition coverage
- Single-trip or multi-trip policies available
- Coverage for side trips to other countries (e.g., U.S. visits during a Canadian stay)
- Top Canadian insurers and competitive pricing
Affordable coverage for safe, stress-free visits.
We’ll help you compare plans from trusted Canadian providers and get the right protection for your loved one’s stay in Canada—whether it’s a few days or several months.