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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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.
Cost and Apply?
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!
– 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.
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!
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.
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!
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.
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
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.
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.
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.
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.
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.
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!
