Travel insurance for visitors to Canada

Are you or someone you know planning to stay in Canada? Visitor-to-Canada travel insurance is the product for you.

In Canada, because Canadian healthcare plans don’t cover the medical fees of visitors, travellers must take out a travel insurance policy. While visitors can buy a policy in another country, purchasing insurance from a Canadian insurance company is strongly recommended. These insurers understand the Canadian healthcare system and have the expertise to find the best care for you. Claims are also simplified, because Canadian hospitals know these companies. This means you can avoid paying thousands of dollars and having to wait until you’re back home for reimbursement.


Visitor-to-Canada travel insurance covers medical emergencies and hospitalization in Canada. Coverage can range from $10,000 to $300,000 for the duration of your policy.

If a medical emergency strikes while you are visiting in Canada, you can make a simple, toll-free call, day or night, and be connected with a professional who can refer you to a physician, clinic, or hospital to receive appropriate care.

Emergency medical fees coverage includes:

  • Emergency hospital care
  • Emergency medical care
  • Emergency medical transport
  • Accidental dismemberment or death
  • Escort expenses
  • Emergency dental care
  • Emergency travel home
  • Repatriation of remains

Claim example

Undetected Renal Abscess
Graciela and her family were visiting from Chile. One day, she started complaining of abdominal pain and nausea. When her temperature ran very high, Graciela’s parents called an ambulance and she was taken to a children’s hospital, where it was discovered that she had a large abscess on her kidney. She was hospitalized for 7 days and her medical treatment included drainage of the abscess under CT fluoroscopy, before being discharged with antibiotics.

Ambulance fees $589.91
Hospital fees$24,749.83
Doctors’ fees $7,120.10
Amount paid by the insurance company$32,624.81


  • Visitors to Canada
  • Canadians who aren’t covered by government healthcare
  • People in Canada on a work visa
  • New immigrants who are waiting to obtain government healthcare

The difference between visitor-to-Canada insurance and super visa insurance

Super visa Insurance is an insurance policy specially designed to respond to the admission criteria of the super visa. The policy total must be at least $100,000 and must cover the policy holder for at least one full year.

Visitor insurance is conventional travel insurance. The number of days and your coverage will depend on the policy you choose.

How does this insurance compare to insurance for inpatriates?

Contrary to visitor insurance, which covers only medical emergencies, inpatriate insurance coverage is much more complete. In addition to emergency care, this insurance also covers other types of care, such as glasses, psychologists, medication, and vaccines. Inpatriate insurance is ideal for people staying in the country for a determined amount of time. In general, visitor-to-Canada insurance is sufficient for visitors staying for a few days or weeks.

For Canadians without provincial coverage

If you are a Canadian citizen and have left your province for a certain amount of time, you may lose your provincial healthcare coverage. If you are in-country for only a short visit, visitor-to-Canada insurance will cover you. However, if you expect to remain in-country, inpatriate insurance may be the better option for you.

If you aren’t sure which product would be best for your situation, speak to one of our agents. They can help you find the right product.

If you plan to visit Canada, make sure you have the right coverage!