Insurance for Visitors to Canada
Visitors to Canada Insurance is a travel medical insurance plan that provides coverage for medical expenses and emergency medical services while visiting Canada.
Who is this for?
Our visitors insurance is designed to provide comprehensive coverage for:
Visitors to Canada
Whether you're here for leisure, family visits or short-term business, stay protected throughout your stay.
Temporary Foreign Workers
Are you working temporarily in Canada? Get insurance that covers you for medical emergencies.
Canadians Returning to Canada
Back home after a long absence? Make sure your health needs are covered during your reintegration.
New Immigrants
Settling into your new home in Canada can be difficult enough without having to worry about medical expenses.
How to buy insurance
Stage 01
Complete the online form to obtain a personalized quote. It's quick, simple and can be done from anywhere.
Stage 02
Choose the coverage options that best suit your needs and budget.
Stage 03
Submit the application and payment through our secure online platform or schedule an appointment with one of our agents.
Stage 04
Receive confirmation and your insurance policy by email, ready to use as soon as you land in Canada.
Affordable protection options
Find the right protection at the best price
Frequently Asked Questions
Here are some questions we are frequently asked
Why do I need visitor insurance?
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If the person visiting Canada were to get injured or experience health problems while in Canada and require medical intervention, the medical and hospital costs could be very expensive. In fact, hospitalization in Canada can sometimes cost up to $6,000 per day. To avoid this financial impact and protect your budget, we offer insurance that covers emergency medical expenses. This coverage is ideal for:
- Foreign tourists visiting Canada
- New arrivals
- Super Visa Applicants
What is a pre-existing health condition?
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A pre-existing health condition means an illness, injury or health condition, whether or not diagnosed by a physician, for which:
- the person has exhibited signs and symptoms;
- the person has obtained a medical consultation or prescription of medication;
- which existed before the effective date of the insurance
What is covered by visitor insurance in Canada?
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The risks covered by visitor insurance in Canada are:
- Emergency medical care
- Paramedical services
- Ambulance transport
- Emergency dental treatment
- Costs related to death
- Repatriation in case of medical emergency
- Additional hotel and meal costs
- Transport of a person to the bedside of an insured person traveling alone
- Child care costs
- Return of the children
- Travel interruption
Why is it important to buy the policy with pre-existing health conditions coverage?
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Insurance with Pre-existing health conditions coverage covers: Injuries or illnesses that are new, as well as health complications related to problems the person has had in the past, if the latter are stable during the stability period determined by an insurance policy. The insurance without Pre-existing health conditions coverage covers: Injuries or illnesses that are new and unrelated to health problems the person has had before.
If I purchase an insurance policy that covers pre-existing health conditions, will my regular medications be covered?
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No. Insurance will cover complications related to pre-existing health conditions and not for something that is already planned. So, it does not cover the costs related to medications that you take on a regular basis.
Can visitor insurance in Canada cover a medical consultation?
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A medical consultation can be covered only if it is related to the medical emergency. In case of doubt, it is recommended to check with the assistance service before requesting a medical consultation.
Does visitor insurance in Canada cover maternity?
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Some visitor insurance policies in Canada may cover certain maternity expenses, provided that the person meets certain specific criteria and that the person is not yet pregnant when the coverage begins. For more details, we invite you to consult one of our advisors.
How much coverage should I choose?
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The amount of coverage always depends on the risk associated with the claim amount. When purchasing the policy, it should be taken into consideration that the price for hospital admission can reach 6,000$ per day. In our experience, we had cases of clients whose hospital stay amounted to more than 40,000$. So, in most cases, we suggest taking at least 50,000$ of coverage. However, if you are planning a secondary trip to the United States, we generally recommend taking out at least 100,000$ of coverage.
What should I do if I get sick?
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If you need to see a doctor or be hospitalized due to an accident or illness, it is important to call the assistance telephone number provided on your confirmation email and/or on your wallet card.
By contacting the support service
You must explain the situation by mentioning your insurance policy number. The emergency assistance service agents will be able to direct you to the appropriate medical center. In addition, they will open the claim file and send you the necessary forms. If you are unable to call, you can go directly to the hospital and ask someone close to you to make the call for you. Failure to contact the assistance service may result in some insurers penalizing you or even denying your claim.
If I make a claim, will I have to pay medical expenses out of pocket and be reimbursed later?
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It depends on the medical center. Most hospitals arrange direct payments with insurance companies. In this case, the insurance company will pay the amount of your eligible claim directly to the hospital. With clinics it can be different, with most companies you will have to pay your bill for your consultation/treatment and file a claim afterwards. This is why it is very important to call the emergency service in advance to find out if your claim will be eligible.
