Visitor Medical Insurance in Canada

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.

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.

While Canadian insurance providers offer a wide range of coverage options with their Visitors to Canada insurance starting at $10,000 and up to $1000,000, 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.

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.

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.

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!

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.

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.