Visitors to Canada | Medical Insurance Coverage

Travelling to Canada? Get a Visitors to Canada medical insurance plan and stay safe for the whole trip!
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
medical conditions. To finalize your results, click on Calculate Quote after you choose desired policy duration and a coverage limit!
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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.

Medical emergency 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, Ontario, 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!
Application/Purchase
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 Specialists i.e. chiropractor, osteopath, etc.
– Services of a Registered Nurse
– Rental or Purchase of Medical Appliances

Side-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, Ontario, 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 Ontario, 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 ON, 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.

Maternity Coverage

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