What are the daily rates for Destination Canada Visitors Insurance?

Destination Canada Visitors Insurance offers two options. Option 2 (no pre-existing condition coverage) starts at $1.74 per day for ages 0–25, $2.03 for ages 26–40, $2.44 for ages 41–60 and $3.10 for ages 61–64 with $25,000 coverage and a $0 deductible. At $100,000 coverage, Option 2 starts at $2.57 per day and Option 1 (with pre-existing condition coverage) starts at $3.46 per day for ages 0–25.

What is the price difference between Destination Canada Option 1 and Option 2?

Option 1 covers stable pre-existing medical conditions; Option 2 does not. For a visitor aged 61–64 with $100,000 coverage and a $0 deductible, Option 1 costs $5.19 per day or $1,894.35 for a 365-day Super Visa policy, while Option 2 costs $4.45 per day or $1,624.25 per year — a difference of about 17%.

Which age brackets does Destination Canada use, and which age applies?

Destination Canada rates use the age brackets 0–25, 26–40, 41–60, 61–64, 65–69, 70–74, 75–79, 80–85 and 86 and over, based on the applicant's age on the effective date of the policy. The wide 26–40 and 41–60 brackets mean a 59-year-old pays the same rate as a 41-year-old.

Can visitors aged 80 and over buy Destination Canada Visitors Insurance?

Yes, with limits. Destination Canada Option 1 (pre-existing condition coverage) is available up to age 79. Visitors aged 80–85 can buy Option 2 only, with a maximum of $50,000 coverage ($10.35 per day for $25,000, $11.14 per day for $50,000). Visitors aged 86 and over can buy Option 2 with $25,000 coverage at $15.95 per day, and a $500 deductible is mandatory. Pre-existing conditions are excluded at age 80 and over. Because Super Visa insurance requires $100,000 of coverage, Destination Canada cannot be used for a Super Visa applicant aged 80 or over.

How much does Destination Canada Super Visa insurance cost for $100,000 coverage?

For a single applicant with a $0 deductible, a 365-day Destination Canada policy with $100,000 coverage costs $1,262.90 (ages 0–25), $1,682.65 (41–60), $1,894.35 (61–64), $2,704.65 (65–69), $4,303.35 (70–74) and $5,339.95 (75–79) under Option 1 with pre-existing condition coverage, or $938.05, $1,452.70, $1,624.25, $2,080.50, $2,861.60 and $3,551.45 respectively under Option 2. Super Visa policies are available up to age 79.

How do Destination Canada deductible discounts reduce the premium?

For ages 0–85, Destination Canada offers optional deductibles of $250 (10% discount), $500 (15%), $1,000 (20%), $2,500 (30%), $5,000 (35%) and $10,000 (40%) off the $0-deductible rate. For ages 86 and over the $500 deductible is built into the rate.

Should I choose a high deductible on a Destination Canada Super Visa policy?

We do not recommend a high deductible such as $5,000 or $10,000 on a Super Visa policy. The deductible may be added to the income the sponsoring child or grandchild must show for the Super Visa application, so a large deductible can work against the application. A $0 or $1,000 deductible is the usual choice.

How does Destination Canada price coverage for seniors aged 70 to 79?

At $100,000 coverage with a $0 deductible, Destination Canada Option 1 (with pre-existing conditions) costs $11.79 per day for ages 70–74 and $14.63 per day for ages 75–79. Option 2 (no pre-existing conditions) costs $7.84 and $9.73 per day respectively. Ages 75–79 can choose up to $100,000 on Option 1 or up to $300,000 on Option 2.

Does Destination Canada offer a family rate?

Yes. The Destination Canada family rate is 2 times the single daily rate of the oldest family member, available only when every applicant is under age 60 and all share the same coverage dates. A family is up to two parents or guardians and their unmarried dependent children who are at least 15 days old and aged 21 or under, 25 or under if attending school full time, or any age if mentally or physically disabled. For ages 41–59 with $100,000 coverage, the family rate is $9.22 per day on Option 1 and $7.96 per day on Option 2.

What stability period applies to pre-existing conditions under Destination Canada Option 1?

Destination Canada Option 1 covers pre-existing medical conditions that have been stable immediately before the effective date for 90 days if the applicant is 59 or under, 120 days if aged 60–69, and 180 days if aged 70–79. Stable means no new or changed treatment or medication, no worsening or new symptoms, no hospitalization or specialist referral, no pending tests or results, and no planned treatment. Routine adjustments of Coumadin, warfarin or insulin and a switch from a brand-name drug to the same dose of a generic do not count as changes. Option 2, and all applicants aged 80 and over, have no pre-existing condition coverage.

What coverage limits does Destination Canada offer?

Destination Canada daily and Super Visa plans are available with $25,000, $50,000, $100,000, $150,000, $200,000 or $300,000 of emergency medical coverage. Limits are reduced at ages 75–79 on Option 1 (maximum $100,000) and at ages 80 and over on Option 2 (maximum $50,000 for ages 80–85 and $25,000 for ages 86 and over).

Can Destination Canada premiums be paid monthly?

Yes. Destination Canada offers a Monthly Payment Plan for policies with a coverage period of at least 180 days and a coverage limit of at least $50,000. Two installments are paid at the time of application, a third on the effective date, and the rest monthly on the same day each month; each installment carries a $10 fee. The outstanding balance can be paid in full at any time for a one-time $10 fee. A missed payment must be made within 30 days or the policy is terminated on the paid-to date and cannot be reinstated. The maximum period of coverage is 365 days and the minimum premium is $25.

Is there a waiting period if I buy Destination Canada insurance after leaving my home country?

Yes, for sickness. There is no waiting period when a Destination Canada policy is purchased before departure from the country of origin. If it is bought within 30 days of departure, a 48-hour waiting period applies to sickness; if bought 30 days or more after departure, the waiting period is 7 days. The waiting period is waived when the new policy starts before an existing Destination Canada policy or other health insurance expires with no gap in coverage, with proof of the previous coverage required at claim time. Any sickness that appears during the waiting period is not covered, even if the expenses come later.

Is the Destination Canada premium refundable if my visa is refused or my trip is cancelled?

Yes. Destination Canada refunds the premium in full when the entire trip is cancelled before the effective date. Send a written request with a copy of the confirmation of coverage before the coverage period ends. If the policy was issued for a visa application and no proof of visa refusal is provided, a $150 fee applies to cancelling a one-year policy before its effective date. If Canada issues a different entry permit than the one applied for, a refund or a change from monthly to full payment can be requested before the effective date with proof of the change. No refund is possible once a claim has been incurred, paid or is pending.

Can I get a partial refund from Destination Canada if I leave Canada early?

Yes, provided no claim has been incurred, paid or is pending. Destination Canada refunds the unused premium when the visitor returns to the country of origin before the expiry date, or becomes covered by a provincial or territorial health plan, calculated from the date the written request and proof of early departure (such as a boarding pass) are received. Requests must be made within 90 days of the policy's expiry date and are subject to a $25 administration fee and a $25 minimum refund.

Does Destination Canada cover side trips outside Canada?

Yes. Destination Canada covers emergency medical expenses during side trips outside Canada, provided at least 51% of the coverage period is spent in Canada. Expenses incurred in the visitor's country of origin are not covered, and a temporary return home must be shorter than 51% of the coverage period.

Who underwrites Destination Canada Visitors Insurance and who handles emergencies?

Destination Canada Visitors Insurance is underwritten by Berkshire Hathaway Specialty Insurance (BHSI) and administered by The Destination: Travel Group Inc. Emergency assistance is available 24 hours a day through Global Excel Management Inc.

How do I get a Destination Canada quote and buy online?

Select the option (with or without pre-existing conditions), the visitor's age, the coverage limit and the deductible, then click BUY ONLINE at VisitorsInsurance.ca to purchase directly on The Destination: Travel Group's secure website. The policy is issued immediately and the confirmation and policy documents are emailed to you.

Destination Canada Visitors Insurance – RATES

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Administered by:

The Destination: Travel Group Inc.

Underwritten by:

Berkshire Hathaway Specialty Insurance (BHSI)

24/7 Emergency Assistance Center:

Global Excel Management Inc.

Destination Canada Visitors Insurance Rates

Option 1: Coverage with Pre-existing Conditions. Daily Rates – $0 deductible.

This option provides coverage for pre-existing medical conditions that were stable during the applicable stability period prior to the effective date (refer to the applicable stability period in the policy wording).

Single Coverage

Age	$25,000	$50,000	$100,000	$150,000	$200,000	$300,000
0 – 25	$2.37	$2.72	$3.46	$4.24	$5.16	$6.98
26 – 40	$2.60	$2.82	$3.67	$4.76	$5.65	$7.46
41 – 60	$3.05	$3.24	$4.61	$6.23	$7.35	$9.60
61 – 64	$4.07	$4.58	$5.19	$7.25	$8.40	$10.69
65 – 69	$5.26	$5.85	$7.41	$9.35	$10.46	$12.67
70 – 74	$7.83	$9.33	$11.79	$14.50	$16.21	$19.63
75 – 79	$9.62	$11.95	$14.63	—	—	—

Family Coverage

Age	$25,000	$50,000	$100,000	$150,000	$200,000	$300,000
0 – 25	$4.74	$5.44	$6.92	$8.48	$10.32	$13.96
26 – 40	$5.20	$5.64	$7.34	$9.52	$11.30	$14.92
41 – 59	$6.10	$6.48	$9.22	$12.46	$14.70	$19.20

Option 2: Coverage without Pre-existing Conditions. Daily Rates – Age 0 to 85 – $0 deductible / Age 86 and older – $500 deductible.

This option does not provide coverage for any pre-existing medical conditions.

Single Coverage

Age	$25,000	$50,000	$100,000	$150,000	$200,000	$300,000
0 – 25	$1.74	$1.91	$2.57	$3.06	$3.69	$4.96
26 – 40	$2.03	$2.21	$3.16	$3.96	$4.69	$6.14
41 – 60	$2.44	$2.80	$3.98	$4.98	$5.80	$7.46
61 – 64	$3.10	$3.72	$4.45	$5.53	$6.34	$7.95
65 – 69	$3.47	$4.13	$5.70	$6.40	$7.41	$9.42
70 – 74	$4.83	$6.92	$7.84	$9.62	$11.03	$13.84
75 – 79	$5.70	$8.04	$9.73	$11.00	$12.67	$16.01
80 – 85	$10.35	$11.14	—	—	—	—
86 +	$15.95	—	—	—	—	—

Family Coverage

Age	$25,000	$50,000	$100,000	$150,000	$200,000	$300,000
0 – 25	$3.48	$3.82	$5.14	$6.12	$7.38	$9.92
26 – 40	$4.06	$4.42	$6.32	$7.92	$9.38	$12.28
41 – 59	$4.88	$5.60	$7.96	$9.96	$11.60	$14.92

Destination Canada Super Visa Insurance Rates

Option 1: Single Coverage with Pre-existing Conditions. Annual Rates – $0 deductible.

Age	$100,000	$150,000	$200,000	$300,000
0 – 25	$1,262.90	$1,547.60	$1,883.40	$2,547.70
26 – 40	$1,339.55	$1,737.40	$2,062.25	$2,722.90
41 – 60	$1,682.65	$2,273.95	$2,682.75	$3,504.00
61 – 64	$1,894.35	$2,646.25	$3,066.00	$3,901.85
65 – 69	$2,704.65	$3,412.75	$3,817.90	$4,624.55
70 – 74	$4,303.35	$5,292.50	$5,916.65	$7,164.95
75 – 79	$5,339.95	$6,548.10	$7,646.75	$9,844.05

Option 2: Single Coverage without Pre-existing Conditions. Annual Rates – $0 deductible.

Age Range	$100,000	$150,000	$200,000	$300,000
0 – 25	$938.05	$1,116.90	$1,346.85	$1,810.40
26 – 40	$1,153.40	$1,445.40	$1,711.85	$2,241.10
41 – 60	$1,452.70	$1,817.70	$2,117.00	$2,722.90
61 – 64	$1,624.25	$2,018.45	$2,314.10	$2,901.75
65 – 69	$2,080.50	$2,336.00	$2,704.65	$3,438.30
70 – 74	$2,861.60	$3,511.30	$4,025.95	$5,051.60
75 – 79	$3,551.45	$4,015.00	$4,624.55	$5,843.65

Optional Deductible Discounts (Ages 0 to 85)

Deductible Amount	Premium Discount
$250	10%
$500	15%
$1,000	20%
$2,500	30%
$5,000	35%
$10,000	40%

Notes

Maximum period of coverage: 365 days.
Minimum premium per policy: $25.00.
A Monthly Payment Plan is available to any insured purchasing a minimum coverage period of at least 180 days and a minimum aggregate policy limit of $50,000.
Family Rates (only available to applicants under age 60) are 2x the Daily Rates based on the oldest member of the family. Coverage dates must be the same for all the family members.
Dependent children means your unmarried children who are:
- financially dependent on you; and
- at least 15 days of age; and
- age 21 or under; or
- age 25 or under and attending school full time; or
- of any age, who are mentally or physically disabled.
The deductible amount is shown on your confirmation of coverage and applies to each claim.

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Destination Canada Visitors Insurance Rates – Frequently Asked Questions

What are the daily rates for Destination Canada Visitors Insurance?
Destination Canada Visitors Insurance offers two options. Option 2 (no pre-existing condition coverage) starts at $1.74 per day for ages 0–25, $2.03 for ages 26–40, $2.44 for ages 41–60 and $3.10 for ages 61–64 with $25,000 coverage and a $0 deductible. At $100,000 coverage, Option 2 starts at $2.57 per day and Option 1 (with pre-existing condition coverage) starts at $3.46 per day for ages 0–25.
What is the price difference between Destination Canada Option 1 and Option 2?
Which age brackets does Destination Canada use, and which age applies?
Can visitors aged 80 and over buy Destination Canada Visitors Insurance?
Yes, with limits. Destination Canada Option 1 (pre-existing condition coverage) is available up to age 79. Visitors aged 80–85 can buy Option 2 only, with a maximum of $50,000 coverage ($10.35 per day for $25,000, $11.14 per day for $50,000). Visitors aged 86 and over can buy Option 2 with $25,000 coverage at $15.95 per day, and a $500 deductible is mandatory. Pre-existing conditions are excluded at age 80 and over. Because Super Visa insurance requires $100,000 of coverage, Destination Canada cannot be used for a Super Visa applicant aged 80 or over.
How much does Destination Canada Super Visa insurance cost for $100,000 coverage?
For a single applicant with a $0 deductible, a 365-day Destination Canada policy with $100,000 coverage costs $1,262.90 (ages 0–25), $1,682.65 (41–60), $1,894.35 (61–64), $2,704.65 (65–69), $4,303.35 (70–74) and $5,339.95 (75–79) under Option 1 with pre-existing condition coverage, or $938.05, $1,452.70, $1,624.25, $2,080.50, $2,861.60 and $3,551.45 respectively under Option 2. Super Visa policies are available up to age 79.
How do Destination Canada deductible discounts reduce the premium?
Should I choose a high deductible on a Destination Canada Super Visa policy?
How does Destination Canada price coverage for seniors aged 70 to 79?
Does Destination Canada offer a family rate?
Yes. The Destination Canada family rate is 2 times the single daily rate of the oldest family member, available only when every applicant is under age 60 and all share the same coverage dates. A family is up to two parents or guardians and their unmarried dependent children who are at least 15 days old and aged 21 or under, 25 or under if attending school full time, or any age if mentally or physically disabled. For ages 41–59 with $100,000 coverage, the family rate is $9.22 per day on Option 1 and $7.96 per day on Option 2.
What stability period applies to pre-existing conditions under Destination Canada Option 1?
Destination Canada Option 1 covers pre-existing medical conditions that have been stable immediately before the effective date for 90 days if the applicant is 59 or under, 120 days if aged 60–69, and 180 days if aged 70–79. Stable means no new or changed treatment or medication, no worsening or new symptoms, no hospitalization or specialist referral, no pending tests or results, and no planned treatment. Routine adjustments of Coumadin, warfarin or insulin and a switch from a brand-name drug to the same dose of a generic do not count as changes. Option 2, and all applicants aged 80 and over, have no pre-existing condition coverage.
What coverage limits does Destination Canada offer?
Can Destination Canada premiums be paid monthly?
Yes. Destination Canada offers a Monthly Payment Plan for policies with a coverage period of at least 180 days and a coverage limit of at least $50,000. Two installments are paid at the time of application, a third on the effective date, and the rest monthly on the same day each month; each installment carries a $10 fee. The outstanding balance can be paid in full at any time for a one-time $10 fee. A missed payment must be made within 30 days or the policy is terminated on the paid-to date and cannot be reinstated. The maximum period of coverage is 365 days and the minimum premium is $25.
Is there a waiting period if I buy Destination Canada insurance after leaving my home country?
Yes, for sickness. There is no waiting period when a Destination Canada policy is purchased before departure from the country of origin. If it is bought within 30 days of departure, a 48-hour waiting period applies to sickness; if bought 30 days or more after departure, the waiting period is 7 days. The waiting period is waived when the new policy starts before an existing Destination Canada policy or other health insurance expires with no gap in coverage, with proof of the previous coverage required at claim time. Any sickness that appears during the waiting period is not covered, even if the expenses come later.
Is the Destination Canada premium refundable if my visa is refused or my trip is cancelled?
Yes. Destination Canada refunds the premium in full when the entire trip is cancelled before the effective date. Send a written request with a copy of the confirmation of coverage before the coverage period ends. If the policy was issued for a visa application and no proof of visa refusal is provided, a $150 fee applies to cancelling a one-year policy before its effective date. If Canada issues a different entry permit than the one applied for, a refund or a change from monthly to full payment can be requested before the effective date with proof of the change. No refund is possible once a claim has been incurred, paid or is pending.
Can I get a partial refund from Destination Canada if I leave Canada early?
Yes, provided no claim has been incurred, paid or is pending. Destination Canada refunds the unused premium when the visitor returns to the country of origin before the expiry date, or becomes covered by a provincial or territorial health plan, calculated from the date the written request and proof of early departure (such as a boarding pass) are received. Requests must be made within 90 days of the policy’s expiry date and are subject to a $25 administration fee and a $25 minimum refund.
Does Destination Canada cover side trips outside Canada?
Who underwrites Destination Canada Visitors Insurance and who handles emergencies?
How do I get a Destination Canada quote and buy online?

Ready to apply? The button below takes you to The Destination: Travel Group’s secure online application. Your policy is issued immediately and your confirmation and policy documents are emailed to you. Easy Links Financial Inc. is a licensed Canadian insurance broker offering Destination Canada plans; call us if you have questions before you buy.

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IMPORTANT NOTE: The product-related information on this website is for illustration purposes only. For complete benefits, terms, conditions, limitations and exclusions, please see the policy booklet at the download section below. Please read and understand your policy before you travel.