Visitors to Canada Insurance

Travelling to Canada? Get a Visitors Insurance to avoid paying for any unforeseen medical emergency treatment and stay safe while you enjoy this magnificent country!

Coverage is suitable for tourists, New Immigrants, Returning Canadians, IEC Visa and Work Permit Holders without provincial insurance.

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In order to calculate a personal insurance quote, simply select the number of applicants, their age(s) and indicate whether or not they have any pre-existing
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Visitors to Canada Insurance:

Medical emergency Visitors to Canada insurance is specifically designed to cover medical emergency treatments costs in case of unexpected sicknesses and accidental injuries that may happen during your trip.

Emergency health coverage is essential for everyone planning to travel to Canada if you are not entitled to receive provincial insurance coverage upon landing.

Who needs Visitors to Canada Insurance?

    – New Immigrants
    – Foreign Workers & Work Permit Holders
    – IEC/Working Holiday Participants
    – Returning Canadians
    – Tourists & Visitors

If you are a Returning Canadian resident, New Immigrant or a Work Permit Holder destined to the provinces of British Columbia, Nunavut, Quebec and Yukon, you are encouraged to get a private health insurance plan in order to avoid the risks of unnecessary medical care expenses during the 3-month provincial coverage waiting period.

As a tourist or other type of visitor to Canada, you should get Visitors to Canada insurance coverage in order to protect your financial well-being from the costs of medical emergency treatment, should the need arise during your stay in Canada.

Moreover, IEC/Working Holiday program participants are required to have a proper health insurance policy that covers emergency medical care, hospitalization services as well as repatriation for the entire duration of stay in Canada.

Such insurance is one of the official IEC program requirements and Canadian border officers may ask to see a proof of insurance upon your arrival in Canada.

When to buy Visitors to Canada Insurance?

Please note that you need to purchase your Visitors to Canada medical insurance policy BEFORE you exit your country of permanent residence and travel to Canada.

If you are already in Canada and wish to get covered, do not hesitate to contact us for further information, so our Insurance Advisors can find a suitable insurance plan for you.

That is why, it is very important to purchase Visitors to Canada insurance coverage to avoid unexpected financial expenses, if there is a need for urgent medical assistance.

How to Calculate Visitors to Canada Insurance
Cost and Apply?
Getting a personal Visitors Insurance quote is easy! Just follow the steps outlined below to see the list of all available coverage options from the top Canadian insurance companies we work with!
Get a Quote
In order to use our free online Visitors to Canada insurance Canada calculator you will need to enter applicant’s age, select coverage amount, deductible and duration of insurance policy as well as indicate whether or not the applicant has any pre-existing medical condition(s). Once it is done, just click on “Get Quote” button to see available options. Please note that Deductible/Excess is the amount of money that you pay out-of-pocket before the insurance company covers the rest, in case of a claim.
Select a Plan
As soon as you’ve calculated a quote and saw the list of options, you can click on the “Plan Details” button on the right-hand side to learn more about the selected policy. Upon doing so, you will be re-directed to the insurance plan’s page on our website, where you can review coverage details and policy highlights including summary of benefits, eligibility requirements, refund policy and claim reporting procedure.
Review Your Coverage
It is always a great idea to review coverage details as well as policy conditions before making a purchase. The best way to go about it is to read through the official Policy Wording for the insurance plan of your choice that can be found on the same page. In addition, you can always talk to our Insurance Advisors via live-chat or call our office if you have any questions or concerns!
The final step is to fill out an application form and make the payment using a credit card. In order to proceed with purchasing your Visitors insurance, just click on “Buy Insurance” or “Buy Online” button. If you wish to purchase your coverage online, you can click on Buy Insurance or Buy Now button next to your quote to proceed. In case you’d like our Insurance Advisors to assist you with setting up your coverage don’t hesitate to contact us! Once your payment is processed by the insurance provider, your policy confirmation will be sent by email right away!
What is covered by Visitors to Canada Insurance?

While each insurance plan has its own conditions and benefits, below you fill find medical services that are covered by all insurance options we offer for visitors to Canada!

Visitors to Canada insurance will ONLY cover medical emergency treatment of unexpected sicknesses and accidental injuries excluding routine medical care.
Summary of Visitors to Canada Insurance Benefits:
– Emergency Medical Care
– Hospitalization
– Emergency Return Home / Repatriation
– Ambulance Services
– Emergency Dental Repair
– Dental Pain Relief
– Injuries from Recreational Sports
– Prescription Medications
– Laboratory Diagnostics & X-rays
– Services of a Medical Specialist i.e. chiropractor, osteopath, etc.
– Services of a Registered Nurse
– Rental or Purchase of Medical AppliancesSide-trips outside Canada are also covered with your Visitors to Canada insurance as long as you remain in Canada for the majority of your policy period.

For a detailed coverage description please read the Policy Wording of the insurance plan you select.


Choose Your Insurance Policy:

Canadian insurance providers offer Visitors to Canada insurance coverage to temporary residents on a short stay or permanent residents, who are not covered by any government health insurance plan at the moment.

If you are travelling to Canada as a tourist, work permit or IEC visa holder, landed immigrant or you are renewing your status you can protect your financial well-being against costly emergency medical care with a proper insurance policy!

New Immigrants Insurance:

As a new Immigrant to Canada and more specifically to the provinces of British Columbia, Nunavut, Quebec and Yukon, you will need to wait up to 3 months before your government insurance plan is activated.

While you are waiting to receive your provincial health coverage, you can opt for a private Visitors to Canada medical emergency insurance policy to cover unforeseen sickness or injury treatment costs.

New Immigrants Insurance

Foreign Workers Insurance:

If you are a Work Permit Holder travelling to Nunavut, British Columbia, Quebec or Yukon, your provincial insurance coverage will not be active at the time you land in Canada.

In most cases, the waiting period is around 90 days following the date you become eligible for the government health benefits.

Considering the risks of being uninsured, it is a great idea to secure yourself with a Visitors to Canada insurance policy to avoid unnecessary expenses for possible medical emergency care!

Foreign Workers Insurance

Returning Canadians Insurance:

Canadian citizens and permanent residents returning to NU, QC, BC or Yukon after an extended absence will be a subject to a 3-month waiting period before their provincial insurance coverage is reactivated.

While your government insurance coverage is inactive, you are encouraged to apply for a private emergency health insurance policy in order to take care of the costs for treating unexpected sicknesses or accidental injuries.

Returning Canadians Insurance

Pregnancy Coverage for Visitors:

If you are planning to have a baby while you are in Canada or simply need an additional layer of protection in case you are already pregnant, we have some good news for you! Certain Visitors to Canada Insurance plans offer Maternity Coverage as a part of their policy.

For pregnant applicants there is an insurance policy with pregnancy complications coverage that is valid for up to the 31st week of your pregnancy period.

On the other hand, if you are only planning to have a child while in Canada, you can purchase a comprehensive policy with partial coverage for delivery, prenatal care and complications treatment.

Click to view – Maternity Coverage

Not sure about your insurance options? Just contact our Advisors – Chat with Us

Frequently Asked Questions
Still not sure what to do? Here is a list of our FAQ’s. To view the answer, just click on the appropriate question box!


Q: Who needs Visitors to Canada medical insurance?

A: Any person travelling to Canada should get a comprehensive medical emergency insurance policy unless they are eligible for provincial healthcare upon arrival.

More specifically, private Canadian insurance coverage is strongly recommended for Returning Canadians, Landed Immigrants, Work Permit Holders, tourists and other visitors to Canada.

Q: What is a sufficient coverage amount for a Visitors insurance plan?

A: While Canadian insurance providers offer a wide range of coverage options with their Visitors to Canada insurance starting at $10,000 and up to $300,000, it is always best to get as much coverage you can afford.

In case of major emergency event, you medical bill could easily go up thousands of dollars for a single day of hospital confinement.

That is why, as a general rule, we recommend to consider coverage option above $50,000 especially in case you need a policy for an extended period of time.

Q: What are the advantages of getting insurance from a Canadian company?
A: The main advantages of dealing with a Canadian company are quicker claim processing as well as direct billing for hospitalization that are not offered by travel insurance companies overseas.
Q: When should I purchase Visitors to Canada insurance?

A: Ideally, you should buy your insurance policy prior to arrival in Canada. Not only certain insurers cover you on your way to Canada, but you also avoid an unnecessary waiting period that applies to policies purchased once you have arrived.

More importantly, by buying your insurance protection before arrival you are not risking your money in case there is a medical emergency within the first few days of landing.

Q: Does visitors insurance cover sport-related injuries?

A: Yes, most visitors medical insurance plans cover injuries from participating in recreational sport activities i.e. skiing, snowboarding, etc. as long as it is not considered professional, competitive or high-risk activity according to the insurance policy of your choice.

Please note that high-risk activities such as bungee jumping, rock climbing, etc. are not covered. For more details, please contact our insurance advisors.

Q: Will my Visitors to Canada medical insurance policy cover side-trips outside Canada?

A: You are covered by your policy anywhere around the globe with an exception of your home country if you are a temporary visitor or country of prior residence before travelling to Canada.

In order to qualify for this benefit, you must physically be in Canada a certain amount of your coverage period per policy. Please contact our Insurance Advisors to learn more.

Q: Where can I use Visitors insurance while in Canada?
A: Most Visitors to Canada insurance plans provide nation-wide coverage. No matter which province or territory in Canada you travel to, you are covered with the same policy!
Q: Does Visitors insurance policy cover routine check ups?
A: Unfortunately no. Private insurance plans only cover medical emergency treatment costs if you suddenly fall sick or get injured while insured. However, if you have an emergency and require a doctor’s check up, then it is considered an eligible expense and your policy will cover it.

If you were unable to find what you were looking for, please take a look at our General FAQ for more information, or talk to our advisors and we will be happy to assist you!

Get a Quote and Compare Visitors to Canada Insurance Plans




malek javedaltafmalek javedaltaf
16:43 09 May 24
Best option for visit visa holder. Really great team, very supportive and responsive. Will recommend Arbetov as first option.
babatunde odubanjobabatunde odubanjo
14:26 06 May 24
Excellent customer service, considerate and passionate insurance provider in resolving your issues and ensuring every party is happy in providing services.
21:55 23 Apr 24
Excellent service from Lea.
Dhananjaya NeelkantDhananjaya Neelkant
20:01 09 Apr 24
Excellent customer service! Thanks Lea.
James EnsorJames Ensor
23:33 18 Mar 24
Fahim SaberFahim Saber
22:07 17 Dec 23
I have had the most seamless smoothest experience ever with this insurance company. Every change I had to make regarding my parents supervisa medical insurance was processed quickly with no complications. They have been understanding of my situation through all the ups and downs over the last few years including the difficult and complex covid periods. Particular kudos to Lea for making this complicated insurance experience a siimple and stress free process for me.
Igor KiselyovIgor Kiselyov
19:59 23 Nov 23
Great service, efficient communication, and a really easy way to get insurance with lots of help and support to get the right deal.
Colin TaylorColin Taylor
18:34 21 Nov 23
I have purchased a few policies with Lea, and each time the service was great! The last one took less than 10 minutes to complete!The polices itself are also good, as we have not had any problems with claims so far.
00:18 15 Nov 23
I have purchased parents visitor insurance twice from Arbetov. I got fast and patient response from Lea. Her professional attitude makes me confident to trust Arbetov. I will repurchase from this company.
Salinda RathnayekaSalinda Rathnayeka
19:26 10 Nov 23
I have been purchased travel insurances for my parents multiple times and they are super friendly and very helpful. Mainly, in contacted with Lea, helped me to find the correct cost effective products.
Anastasia YakubovskaAnastasia Yakubovska
17:12 08 Nov 23
Great fast service, have been with them for a few years now. Good options for insurance!
Natali ChizikNatali Chizik
18:08 06 Nov 23
Extremely nice and efficient staff! My go to for insurance
Gina BautistaGina Bautista
20:41 19 Jun 23
We purchased Supervisa insurance through Arbetov Insurance many times and they have been very helpful since the very start, especially Eugene and Lea.Highly recommended!!
Lai ReyesLai Reyes
22:31 15 Mar 23
My whole experience with Arbetov was very pleasant. From the purchase and payment down to the refund request. Credits and many thanks to Lea as she was the one who assisted me with everything. She was just so responsive and very helpful all throughout! 🙂
yasir aliyasir ali
15:02 03 Nov 22
Lea was very helpful and friendly. It was a great experience.
Ella KnurikElla Knurik
21:21 20 Aug 22
Lea provided a great and professional service and helped us to find the best medical insurance for us.
Fraser LindsayFraser Lindsay
21:33 02 Jun 22
The web site was the best,clear,simple to folow, and the help chat assistance was the iceing on the cake.Lea really put me at ease and gave me advice and did all the hard work of making the policy. I have never had such an understanding helper on line before. Deserves a pay rise!
Rajneel SinghRajneel Singh
04:56 15 May 22
Lea was super helpful. She made the process of getting insurance very easy and seamless. I called her multiple times and she was very happy to respond to all my emails and calls in very prompt time. Honestly this has been the most smoothest insurance provider I have seen so far. Thank you again Lea for your kind service and help, reassuring me all the way and being the star you are! Thank you
Francesca BisiFrancesca Bisi
19:53 11 Jan 22
I would give 10 stars if I could! :)I found this insurance company by chance 4 years ago and I could not have been more lucky. For the past 4 years I've been interacting with them and in particularly with Lea. She went above and beyond to always help me to find an insurance that could satisfy my needs. She was so professional and efficient. I will definitely recommend them to anyone who might need insurance advisors! :)Thank you very much for all your brilliant job!
Chetan DhotreChetan Dhotre
21:19 23 Mar 21
I used Arbetov when shopping for super visa insurance for my parents. I found them very well priced and of great value.Since then my mother's trip has been delayed many a time but Lea has been exceptional in promptly responding to my many requests to move the insurance start date.Well priced, prompt and friendly service. What more could you ask for!
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