Frequently Asked Questions

Common questions, clear answers to help you understand Visitors to Canada Medical Insurance

General

What does Visitors to Canada medical insurance usually cover?

Visitors to Canada medical insurance covers sudden and unexpected medical emergencies during your stay. Standard coverage typically includes emergency doctor and hospital visits, diagnostic tests, prescription medications (related to an emergency), limited dental care, ambulance transportation, and medical evacuation or repatriation to your home country.

Important: Always review your policy’s Benefits & Exclusions sections for exact details.
What is NOT covered by visitors insurance in Canada?
Most visitor insurance policies in Canada do not cover:

Unstable pre‑existing medical conditions

Routine medical check‑ups and preventive care

Elective or cosmetic procedures

Non‑emergency care that can reasonably wait until you return home

Claims related to drug or alcohol abuse

Self‑inflicted injuries

High‑risk or adventure sports injuries, unless you buy an adventure sports rider

Normal pregnancy and childbirth, although some plans may cover unexpected emergency complications only

This is a general overview. Actual coverage and exclusions depend on the specific policy wording for your plan.
How much insurance coverage should I buy?
Immigration, Refugees and Citizenship Canada (IRCC) recommends at least $100,000 in emergency medical coverage for visitors to Canada. Hospital stays in Canada can cost $3,500–$5,000+ per day, so many travellers choose $150,000–$300,000 for better protection.

Helpful Resources on Canadian Healthcare Costs:

[Accessing Medical Care in Canada: A Visitor’s Guide]

[Do You Need Visitors to Canada Medical Insurance?]

[2 Real Stories That Prove Why You Need Medical Insurance]
When should I purchase visitors insurance for Canada?

You should purchase your policy before you leave your home country to ensure you are protected the moment you land in Canada. If you wait to buy insurance until after you arrive, most insurers typically apply a waiting period from 48 hours to 7-8 days for illness coverage. We highly recommend purchasing your policy before you travel to avoid any waiting periods. For more preparation advice—including how to navigate walk-in clinics versus the emergency room—check out our [visitor’s guide to accessing medical care in Canada].
Can I visit any hospital or doctor in Canada with visitors insurance?

Yes, you can generally visit any licensed doctor, walk‑in clinic, or hospital in Canada, as long as the fees are considered usual, customary, and reasonable for that region.

Hospitals usually bill insurers directly for major emergencies, while walk-in clinics and family doctors often require upfront payment, and you submit a claim for reimbursement later. To understand how this works, read our complete guide on [Accessing Medical Care in Canada]

Always call your insurer’s 24/7 assistance phone number in the event of an emergency.
Can I extend my Visitors to Canada insurance if I stay longer?

Yes, most policies allow extensions before your current coverage expires, provided you haven’t filed any claims, and your health status hasn’t changed.

Important: Any new symptoms or doctor visits during your existing policy may be considered pre-existing conditions for the extension period. It’s best to purchase coverage for your entire expected stay with one continuous policy.
Can I cancel my visitors insurance and get a refund?

Most plans allow a full refund if you cancel before the policy start date. After the effective date, partial refunds are usually possible if you return to your home country or become eligible for provincial health coverage, and no claims have been made. Administrative fees may apply (typically $25–$50).
Will my visitors insurance cover trips outside Canada (for example, to the USA)?

Many Canadian visitors insurance plans include coverage for short side trips to the United States, Mexico, or other countries, provided at least 51% of your coverage period is spent in Canada. Expenses in your country of origin are not covered, and there may be limits on how many days you can spend outside Canada (Usually 30 days).
What is a deductible in visitors insurance, and how does it work?
A deductible is the amount you agree to pay out-of-pocket before the insurer pays eligible expenses.

Example: With a $100 deductible and $500 in eligible medical costs, you pay the first $100, and the insurer pays the remaining $400.

Choosing a higher deductible (e.g., $1,000 or $5,000) can reduce your premium by 20–40%, while a zero deductible costs more, but it pays claims from the first dollar.

Deductible types:

Per claim: You pay the deductible for each separate emergency (e.g., once for a broken arm, again for a later illness)

Per policy period: You pay the deductible once during your entire coverage period, then the insurer covers eligible expenses up to your policy limit
Why should I buy Visitors insurance from a Canadian company?

Buying from a Canadian insurer usually means faster claims processing in Canada, direct billing arrangements with Canadian hospitals, and easier communication within the same time zone. Canadian insurance companies are regulated by provincial and federal authorities and backed by Assuris, which protects policyholders if an insurer becomes insolvent.
Why use a licensed Canadian insurance broker?

You pay the same price whether you buy directly from the insurer or through a broker, but a broker can compare multiple companies for you, explain the fine print, and help if you need support during a claim.

Learn More: [5 Reasons to Choose an Insurance Broker]

Pre-Existing Medical Conditions

What is a pre-existing medical condition for visitors insurance?
What does “stable" pre existing condition mean?

A condition is usually considered stable if there have been no new symptoms, no hospitalizations, no new diagnoses, and no changes in medication or dosage during the policy’s required stability period (usually 90–180 days).

Important: Even a small change in the dosage or stoppage of medication can make a condition “unstable” and therefore excluded from coverage.

Resource: read our comprehensive guide on [understanding the Stability Clause for pre-existing conditions].
Can I get coverage for stable pre-existing conditions like diabetes or high blood pressure?

Yes. Some Canadian Visitors to Canada insurance plans cover stable conditions such as high blood pressure or diabetes, as long as they meet the insurer’s stability requirements (often 90–180 days). Some specialized Canadian insurers offer options to reduce the stability period to 90–120 days or even 7 days for select cases. To see exactly how providers like Manulife, Allianz, and TuGo handle these timelines, read our comprehensive guide on [understanding the Stability Clause for pre-existing conditions].

Important: Routine check-ups and regular prescription refills are still not covered, but emergency complications are covered (based on policy terms).
Are prescription refills for my regular medications covered?
If I take blood pressure medication and have a heart attack in Canada, will it be covered?

Coverage depends on several factors: whether your high blood pressure met the policy’s stability requirements, how accurately you answered the medical questionnaire, and the specific policy wording and exclusions. A claims adjuster will review your medical records, doctor’s statements, and the policy terms before approving or declining the claim. Full disclosure is essential.
Is pregnancy covered by Visitors to Canada insurance?
I stopped taking my blood pressure medication—is this still a pre-existing condition?

Yes. Stopping your blood pressure medication is considered a change in treatment, making your high blood pressure an unstable pre-existing condition until it meets the insurer’s stability period requirements again (typically 90–180 days of no changes).

Important: Even if your doctor says you’re healthy, stopping medication resets your stability period.

Solution: Some specialized Canadian insurers offer plans with shorter stability periods (as little as 7 days). Speak with a licensed broker to explore your options.
Can I get coverage if I’m already sick or travelling against medical advice?
I have a heart condition - can I still get Visitors to Canada insurance?

Yes, but it will be considered a pre-existing medical condition.

You must specifically select a plan that covers “Stable Pre-existing Conditions”. On these plans, your heart condition is covered provided it has been stable (no changes in treatment, symptoms, tests, or medication) for a set period, usually 90 to 180 days.

Important: Some policies have strict exclusions. For instance, if you have used nitroglycerin recently, you may not be eligible for coverage. It is important to carefully review the policy wording or speak with a licensed advisor.
I have diabetes – what is covered by Visitors to Canada insurance?

Plans with stable pre-existing condition coverage will cover emergencies related to complications of diabetes. The condition must be stable (no new symptoms or medication changes) for a set period, usually 90–180 days, before the effective date.

Many policies do not consider routine insulin adjustments (to keep blood sugar in range) as a “change in medication,” provided you are not starting a new drug or stopping an old one

Warning: A combination of diabetes and a heart condition may make you ineligible for some plans. Always disclose both conditions fully and confirm coverage with a licensed advisor.

Super Visa insurance for Parents and Grandparents

What are the medical insurance requirements for the Super Visa?

To qualify for a Super Visa, applicants must have private medical insurance that meets these IRCC requirements: minimum coverage of $100,000 in emergency medical coverage per person, coverage types including healthcare, hospitalization, and repatriation, duration valid for at least one year from the date of entry to Canada, and issued by a Canadian insurance company or an approved foreign insurer authorized by OSFI.
Do I need to pay the full one year Super Visa premium up front?

No. Traditionally, Super Visa insurance required full payment for one year of coverage in advance. Many insurers now offer monthly payment plans that are accepted for Super Visa applications.

Note that if you cancel a monthly payment policy early, you may still be liable for the balance, depending on the contract, if a claim is made.
What documents do I need as proof of Super Visa insurance?

You will receive a policy or certificate showing the insured person’s name, coverage amount (minimum $100,000), policy start date and duration (minimum 1 year), and the insurer’s details. This document should be submitted with your Super Visa application and carried when travelling to Canada.
How much does Super Visa insurance cost?

The cost varies significantly by age and medical history, typically ranging from $1,200 to over $5,000 annually for $100,000 coverage.

Sample premiums (no pre-existing conditions, $0 deductible): approximately $900 per year for age 50, $1,400 per year for age 65, $2,500 per year for age 75, and $5,000 per year for age 85.

Cost-saving options: Higher deductibles can reduce premiums by up to 40%, and some insurers offer monthly payment plans.
Can I get a refund if the Super Visa is refused or my plans change?

Most Canadian insurers provide a full refund if the visa is refused and you submit proof of refusal before the policy start date.

Cancelling your Super Visa insurance for reasons other than visa refusal typically results in significant cancellation fees ($250–$300) or the retention of your initial deposit (often 2 months of premium).

Learn More: [5 Hidden Traps in Super Visa Insurance Cancellation Policies]
What happens if my parents stay only three or six months in Canada instead of a full year?

You can usually get a refund for the unused time, depending on your insurance’s refund policy.

If no claims have been made, many insurers allow a partial refund of the unused premium when your parents leave Canada early.

If a claim has been filed, the remaining premium is usually non-refundable. Some insurers may allow you to withdraw a claim for a fee (typically $250–$300), which can make the unused portion eligible for refund again.

Resource: learn more about [how to avoid the cancellation policies traps in Super Visa insurance].
Does Super Visa insurance cover pre existing conditions?

Yes, many Super Visa insurance plans cover stable pre-existing conditions if unchanged (no new symptoms, medications, treatments, hospitalizations, or tests) for a specified stability period. While standard policies often require 180-365 days of stability, some specialized Canadian insurers offer options with shorter periods, like 90–120 days or even 7 days for select cases.

To understand exactly how these look-back periods work with major providers like Manulife, Allianz, and TuGo, read our complete guide to [the Stability Clause for pre-existing conditions]
Is there a medical test required before buying Super Visa insurance?

No physical examination required. You don’t need a medical test to purchase Super Visa or Visitors to Canada insurance. Depending on age or health history, you may need to complete a medical questionnaire as part of the application. Consult your doctor if you are unsure of the answers to prevent claim denials later.
Can I purchase Super Visa insurance for visitors over age 85?
Does Super Visa insurance cover multiple entries to Canada?
Does Super Visa insurance cover travel across all of Canada?

Yes, Super Visa insurance provides nationwide coverage for emergency medical expenses throughout all Canadian provinces and territories.

Many policies also include coverage for short side trips outside Canada (e.g., to the USA), provided the majority of your coverage period is spent in Canada.
Can I renew or extend my Super Visa insurance while in Canada?
Can I switch insurance providers when extending Super Visa coverage?

Yes, you can switch Super Visa insurance providers when renewing or extending coverage.

Align the new policy’s start date exactly with your old policy’s end date to avoid a coverage gap.

Look for insurers willing to waive the standard waiting period (24–72 hours or more) with proof of continuous prior coverage.
Does the Super Visa policy have to be from a Canadian insurance company?

The insurance can come from a Canadian insurance company or an approved foreign insurer authorized by the Office of the Superintendent of Financial Institutions (OSFI) to sell accident and sickness insurance in Canada.

Important for foreign insurers: Verify the insurer appears on OSFI’s public list of authorized foreign insurers, and ensure the policy states it was issued through the insurer’s Canadian operations.

Navigating Super Visa insurance requirements can be overwhelming, which is why [using a licensed Canadian insurance broker] ensures you get the exact right plan at no extra cost to you.
Can I cancel Super Visa insurance after my parents arrive in Canada?

No, you should not. You must maintain valid insurance coverage that meets IRCC requirements for your parents’ entire stay in Canada. Cancelling the required medical insurance puts your parents’ Super Visa status at risk, may affect future visa applications or renewals, and leaves your parents exposed to potentially devastating medical costs.

Tourists and short‑term visitors to Canada

Do I need visitors insurance for a short visit to Canada?

Yes, it’s highly recommended. As a non-resident, you’ll pay full price for all medical services in Canada, and costs add up quickly. Hospital stays cost $3,500–$5,000 or more per day, emergency room visits cost $500–$1,500, ambulance rides cost $400–$800, and surgery can cost $10,000–$50,000 or more. Visitors insurance protects you from these unexpected expenses, even for short trips.

Read More: [How one visitor avoided $175,000 in unexpected medical bills for just $4.37 a day.]
How do I access emergency assistance while in Canada?

Call the emergency phone number listed on your insurance wallet card. Assistance centers are available 24 hours a day, 7 days a week. Their experienced multilingual staff can verify coverage to hospitals, arrange emergency medical evacuation, coordinate payments, and contact your family doctor and relatives as needed.

For more details check out our [visitor’s guide to accessing medical care in Canada].
Does visiting multiple provinces in Canada affect my insurance?
I plan on skiing, hiking, or rock climbing in Canada. Am I covered?

Maybe. Coverage depends on the activity level. Standard policies usually cover recreational skiing or hiking but exclude higher‑risk or competitive activities. Purchase an Adventure Sports Rider add-on to cover higher-risk activities (see the Sports and Adventure section below for specific activities covered or visit https://www.visitorsinsurance.ca/tugo-sports-activities-coverage ).
Can I travel to the USA or other countries while visiting Canada?

Yes, most Visitors to Canada policies cover emergency medical expenses during side trips to the USA or other countries (excluding your home country), as long as the majority of your trip (51% or more) is spent in Canada. Some insurers have limits for side trip coverage (usually 30 days).
Is coverage available for seniors or people over a certain age?

Yes. Many Canadian Visitors to Canada plans cover seniors usually up to ages 79–85. Limited number of providers offer coverage beyond age 85. Seniors with pre-existing medical conditions may need to complete a medical questionnaire and ensure their condition has remained stable for a specific period before the effective date.
Why choose Visitors to Canada insurance over travel insurance from my home country?

Visitors to Canada medical insurance is designed specifically for non-residents using Canada’s healthcare system. Canadian providers typically offer faster claims processing, direct billing with many hospitals across Canada, and easier communication without time zone or language barriers.
Is my credit card travel insurance enough for medical emergencies in Canada?

Probably not. Credit card travel insurance often has low maximum limits (often $25,000–$50,000), age restrictions (coverage may end at age 65), short trip duration limits (often 15–31 days), limited pre-existing condition coverage, and restrictive payment requirements (you must charge the entire trip to the card). Review your credit card’s fine print carefully and consider supplemental coverage to fill any gaps, especially for Canadian hospital costs that can easily reach or exceed $100,000.

International Students in Canada

Is my university's health plan enough?

It depends. University health plans vary significantly. Some provinces require students to enroll in provincial health plans, while others rely on university coverage or a private International Students plans. Usually, family members are not automatically covered under the student’s university or college health plan. Review your plan carefully, as many have limitations on coverage amounts, waiting periods, or exclusions that a supplemental private insurance plan can address.
My provincial coverage will start after 3 months. Can I get private insurance during this period?
Can I add my spouse or dependents to my student insurance plan?

It depends on your plan. Many student plans and private insurers offer a “Family Coverage” option for spouses and children residing with you. If your institution’s plan does not cover dependents, your family members can still apply for a standalone international student health policy from a private insurer.
Does health insurance for international students in Canada cover pregnancy?

Coverage depends on your province and school. University plans usually cover prenatal, delivery and postnatal care. But most colleges and language schools’ plans often limit or exclude maternity. A Private International Students plan may cover up to $25,000 in the event of complications.
Am I covered during breaks if I travel outside Canada?

Most student policies have strict limits on trip duration. If you are planning a vacation, contact us to arrange a standalone travel insurance plan. This specific coverage ensures you are fully protected for emergency medical costs while outside Canada, without risking gaps in your school policy.
Does my coverage continue if I stay in Canada on a post-graduation work permit?
What is the difference between Visitors to Canada insurance and International students coverage?

Visitors to Canada’s plans cover urgent medical situations such as accidents or sudden illness. Comprehensive International student plans may also include routine visits, mental health support, prescription drugs, and, sometimes, limited dental or vision benefits.

Foreign Workers and Work Permit Holders

Do temporary foreign workers automatically get provincial health coverage?
What insurance do I need while waiting for provincial coverage?

A Visitors to Canada emergency medical plan is strongly recommended to cover unexpected illness or injury until your provincial health card becomes active. Coverage can often be customized to match the waiting period, with some people choosing extra days in case of delays.
Does Visitors to Canada insurance cover work related injuries?
Can my spouse and children be added to my foreign worker insurance plan?

Yes. Many insurers allow you to add eligible dependents. We recommend choosing a plan with a “Family Rate”, which covers your whole immediate family under one policy, often at a significantly lower cost (30%-50%) than purchasing separate plans for each person.
Will my employer provide health insurance?

It depends. Some employers provide coverage, but many don’t, especially for temporary workers. Even with employer coverage, there may be waiting periods or gaps when you first arrive, and family members may not be covered. Always confirm coverage details before arriving in Canada.
We can help you navigate your options and ensure you and your family are fully protected from day one. Contact us today or call 1-877-838-0020 to speak with our team.
What insurance do I need if my employer doesn't provide benefits?
Is maternity care or routine care covered while I am on a work permit?

Most visitors or foreign worker emergency plans do NOT cover routine care or normal pregnancy and childbirth, especially if you were already pregnant when coverage began. Some plans cover acute complications (e.g., bleeding, miscarriage, premature birth up to 31-32 weeks) up to a specified limit (e.g., $25,000), but exclude the last 8-9 weeks before due date and elective procedures.
What happens if I switch jobs or extend my permit?

Private Visitors to Canada insurance is not tied to a specific employer, so your coverage continues unaffected by job changes. In contrast, employer-sponsored group plans often reset or stop during employment gaps. If your stay in Canada is extended, you can usually renew your existing policy or apply for new coverage to match your updated visa dates.
Can I travel outside Canada while on my work permit?

Yes, most Visitors to Canada plans allow for short international trips, provided you spend at least 51% of your coverage period in Canada. However, coverage usually excludes your home country, and trips can be limited to a specific duration (15-30 days). Please contact us to confirm your specific trip limits before you travel.
Are pre-existing conditions covered while on a work permit?

It depends on the plan you choose and how “stable” your condition is. Most standard policies require your condition to be stable (no changes in medication or symptoms) for 90–180 days before coverage begins. If your condition changed recently, we also offer access to special plans with stability periods as short as 7 days. Contact us to find a plan that fits your recent medical history.

Important: Routine maintenance and prescription refills are not covered.

Read our guide about [Insurance Options for Visitors to Canada with Pre-Existing Conditions]
What insurance is required for an IEC visa?

International Experience Canada (IEC) mandates proof of private health insurance for your full intended length of stay, such as 12-24 months for Working Holiday visas, covering medical emergencies, hospitalization, and repatriation. Policies shorter than your intended stay may limit your work permit duration. Some insurers now offer monthly payment plans to help you meet the full-duration requirement without paying a lump sum upfront.

Newcomers and Returning Canadians

I am a new permanent resident – am I covered immediately by provincial health insurance?

Not in every province. You may face a waiting period (often up to 3 months) during which you are fully liable for your medical bills. To protect your finances, we strongly recommend purchasing private emergency medical insurance (New Immigrant or Visitors to Canada insurance) to cover this gap.
I am a returning Canadian – do I need visitors insurance?

Yes, strongly recommended. Canadians who have been living abroad may not be immediately eligible for provincial healthcare upon returning. Purchase a temporary Visitors to Canada plan until your provincial healthcare card is active again.

Helpful Resources :

[Why you Need Medical Insurance in Canada]

[Accessing Medical Care in Canada]

[Real Claim Stories]

Sports and Adventure Seekers

Are sports related injuries covered under visitors insurance?

It depends on the activity. Recreational sports such as skiing on marked runs, casual hiking, and snorkeling are typically covered under standard visitors policies. High‑risk or extreme activities, like backcountry skiing, rock climbing, bungee jumping, or competitive sports, require an optional adventure sports rider or a specialized plan.
What medical limits do you recommend for adventure focused trips in Canada?
Is mountain/sea rescue or remote evacuation covered?

Many comprehensive plans include emergency medical evacuation to the nearest appropriate hospital. However, not all cover extensive search-and-rescue operations in remote areas. If you are planning remote activities like skiing out-of-bounds, hiking in remote areas or sea kayaking, look for a policy that specifically mentions “search and rescue” benefit.
Does my visitors insurance cover side trips to the United States or other countries?
Is off piste skiing, backcountry hiking, or heli skiing covered, or are these excluded?
Are injuries from organized sports, races, or competitions covered?
What sports and activities are covered by the optional Sports & Activity Rider?
The optional Sports and Activity rider provides coverage for participation, training, or practice in specified high-risk sports and activities, including:

Contact sports:

Football (American and Canadian)

Ice hockey

Rugby

Boxing

Mixed martial arts

Adventure sports:

Backcountry skiing/snowboarding

Downhill freestyle skiing/snowboarding in organized competitions

Downhill mountain biking

Ice climbing

Mountaineering (up to and over 6,000-metre elevation)

Rock climbing

Extreme sports:

BASE jumping

Hang gliding/paragliding

High-risk motorized speed activities

High-risk snowmobiling and motorized snow biking

Parachuting/skydiving (including tandem)

Scuba diving or free diving over 40 metres

White water sports (Class VI)

Wingsuit flying

Note: Coverage terms and exclusions vary by insurer. Always confirm specific activities are covered before purchasing.

Claims and Emergencies

What should I do in a medical emergency or if I'm hospitalized in Canada?

Step 1: Seek medical help immediately (call 911 for life-threatening emergencies)

Step 2: Call your insurer’s 24/7 emergency assistance number as soon as it’s safe to do so (listed on your insurance card)

Important: Failure to contact the assistance centre promptly may reduce your eligible benefits.
Why must I call the emergency assistance centre right away?

The 24/7 emergency assistance centre provides critical support.

The assistance centre can verify your coverage with the hospital or medical facility, direct you to appropriate facilities, arrange direct billing with hospitals, coordinate medical evacuation if required, provide multilingual support, and act as a liaison between you, medical providers, and the insurer.

Calling them protects your benefits and simplifies the process during a stressful situation.
Do I need to pay upfront for medical treatment?
How do I submit a claim for reimbursement?

To file a claim, you must complete a claim form and provide original medical bills, receipts, and medical reports (make your own copy). Many companies also offer online claims portals for faster processing. Claims should generally be reported in writing within 30 days of the emergency, and all original documents must be sent within 90 days, unless your policy states otherwise.
How long does it take for a claim to be processed?

Processing times typically range from 7-30 days for simple claims (e.g., minor doctor visits) to 30-60+ days for complex cases like hospitalizations or evacuations, depending on document completeness and insurer volume. Complete and clear documentation helps speed up the process.
What if the insurance company denies my claim?

Policy Details and Practical Questions

What is considered a medical emergency under visitors to Canada insurance?

A medical emergency is generally a sudden, unforeseen illness or injury that requires immediate treatment and cannot safely wait until you return home. Routine check‑ups, elective procedures, and long‑planned treatments are not considered emergencies and are not covered.
How do deductibles work, and how do they affect my premium?
A deductible is the amount you pay out-of-pocket before the insurance company covers the rest of your medical bill.

Example:

Your medical bill is $5,000, and your deductible is $500. You pay the first $500, and your insurer covers the remaining $4,500 (subject to your policy’s coverage limits and terms).

Higher deductibles usually lower your premium (10%-40%), while a zero deductible will cover eligible medical expenses from the first dollar.

Deductibles can be “per-policy” or “per-claim”:

Per-Policy: You pay the deductible amount once per insurance term. This is safer for long stays.

Per-Claim: You pay the deductible for each separate illness or injury. If you visit the doctor three different times for three different issues, you pay the deductible three times.

Select a deductible based on your budget and the level of financial risk you’re comfortable with.
What is a policy period?

The policy period is the time between the effective date and expiry date shown on your confirmation of coverage. Your insurance typically stops at midnight on the expiry date. If you decide to stay longer, you must apply to extend your policy before the current period expires to avoid a gap in coverage or a new waiting period.
What do "usual, customary, and reasonable" (UCR) charges mean?
Does insurance cover accidents involving alcohol or drugs?
Is trip cancellation or baggage loss included with visitors medical plans?
How do I purchase Visitors to Canada or Super Visa insurance online?

Buying online is simple and secure: fill out our free quote form, compare plans from top Canadian insurers (Manulife, TuGo, Allianz), select “Buy Now” and complete the application. After secure payment, you will receive your Confirmation of Coverage by email immediately.
What information do I need to apply for a visitors insurance?

To apply for coverage, you need each visitor’s full name, date of birth (DOB), arrival/departure dates, country of origin, Canadian status (e.g., visitor, Super Visa), and contact email. Visitors with pre-existing medical conditions may be required to answer a medical questionnaire to ensure accurate coverage.
Are there discounts on posted visitors insurance premiums?
Can I buy visitors insurance after I arrive in Canada?
Can I buy visitors insurance for my parents if they're not yet in Canada?

Yes, you can purchase visitors insurance on behalf of your parents or any family member before they arrive. You’ll need to provide their date of birth, trip dates (arrival and departure), and their medical history, including pre-existing conditions. Make sure all information is accurate, as incorrect details could affect claims.
My parents are healthy, should I still buy visitors insurance?

Yes, visitors insurance is highly recommended even for healthy travellers. Accidents and sudden illnesses can happen unexpectedly, and medical costs in Canada are extremely high. A single hospital stay can exceed $10,000 per day, and emergency procedures can reach tens of thousands of dollars.

Even healthy visitors face financial risk from unexpected events like falls, food poisoning, or sudden cardiac issues. If your parents have no pre-existing conditions, you can choose a policy that excludes pre-existing condition coverage, which is typically more affordable.
One parent is healthy, the other isn't—should I insure only the unhealthy one?
Can I buy visitors insurance during an emergency for instant coverage?
Do you offer group visitors to Canada insurance?
Do you offer travel insurance for Canadians?

Yes, we offer comprehensive travel insurance for Canadians travelling abroad, including emergency medical coverage, trip cancellation and interruption, and baggage protection. Our plans supplement your provincial health coverage when you’re outside Canada.

You can get an instant quote online at travellersinsurance.ca or contact us to help you choose the right coverage for your trip.
Is my personal information protected?

Yes, we prioritize your privacy and fully comply with Canada’s privacy laws (PIPEDA – Personal Information Protection and Electronic Documents Act).

Information collected: At application, basic details like age and trip dates are collected to calculate premiums and coverage. During claims, medical information may be requested solely to assess eligibility, arrange care or evacuation, and provide assistance.

Data protection: Data is used only as necessary, stored securely with industry-standard encryption, and retained only as required by legal and regulatory requirements.

View our full Privacy Policy for complete details on how we protect your information.
Why Trust us?
Premiums are identical whether buying directly from insurers or through us, but brokers offer unbiased advantages. We provide one-stop comparison shopping across plans and work solely for clients (not insurers).

Key Broker Advantages:

One-stop quoting and comparison across multiple providers for the best fit.

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Claims support to guide you through filing and maximize reimbursements.

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Please, read all the fine print and ask questions before you buy. Carry proof of your insurance with you on your trip. And shop around – there is a big difference in policy features and costs, but do not pick a policy on price alone.

Disclaimer:
All questions on this web site have been answered to the best of our knowledge. Since insurance companies can change their policy wording and premium rates at any time without notice, we cannot guarantee the accuracy of the information on this page. We will not be held liable in any case, for any problem arising from reading these questions and answers. Please, use this information at your own risk.