Visitors to Canada travel insurance and Super Visa
Emergency medical coverage for visitors to Canada
Visitors to Canada travel health insurance provides emergency medical coverage for people who are not currently covered by a Canadian government health plan. It helps cover hospital stays, emergency care, ambulance transportation, and returning to your home country (repatriation) if an unexpected medical emergency happens.
This coverage is strongly recommended for anyone visiting Canada, as it helps to protect you from the high cost of medical care.
Visitors to Canada Health Insurance helps you:
- Cover eligible medical emergencies
- Reduce the risk of high medical bills
- Meet Super Visa requirements (when applicable)
- Choose coverage up to $300,000
Why do you need travel insurance for a trip to Canada?
A trip to Canada should be a time to enjoy, not a source of financial stress. In Canada, medical care is excellent but expensive: even a routine hospital visit or an ambulance ride can quickly result in a bill of several thousand dollars.
This insurance covers unexpected medical expenses during your stay, so you can travel in Canada with peace of mind.
Who needs Visitors to Canada health insurance?
- Temporary visitors
- Parents of Canadian residents
- Super Visa applicants
- Foreign workers
- International students
- Canadians returning after a long stay abroad
Eligibility requirements
To be eligible:
- International students: You must be between 17 and 40 years old on the day your coverage starts.
- Other visitors: You must be between 3 months and 80 years old on the day your coverage starts.
- You are not already covered by a Canadian government health plan.
- Medical eligibility conditions apply. See the insurance policy for details, or speak with your representative.
What can be covered during your stay
If a medical emergency happens during your trip, your coverage may include several types of care, including:
- Hospital stays
- Emergency care and treatment in a hospital
- Medical tests required during treatment
- Purchase or rental of medical equipment
- Ambulance transportation
- Emergency repatriation to your home country
- Transportation of a loved one to your bedside
- Prescription drugs following a medical emergency
Other Services Offered
Type of Service
Maximum Benefit
Incidental Expenses
$100
Fees for Private Duty Nursing
$10,000
Emergency Dental Care and Pain
$1,000 / pain $500
Paramedical Expenses
50% of the costs, up to a maximum of $300
Costs Incurred Due to a Delayed Return
$200 per day, up to a maximum of $2,000
Repatriation of Remains
$5,000
Choose the right coverage for your stay in Canada
Our insurance plans offer lots of flexibility:
- Coverage amounts: $50,000 to $300,000
- Trip length: Up to 365 days
- Purchase: up to 180 days before the effective date of coverage
Your situation
Your age when
coverage starts
Individual Plan
Family Plan
Maximum
trip length
Coverage amount
Person awaiting government health coverage
3 months to 80 years
365 consecutive days
$50,000
$100,000
$150,000
$300,000
Family / Tourism
3 months to 80 years
365 consecutive days
$50,000
$100,000
$150,000
$300,000
Foreign workers
3 months to 80 years
365 consecutive days
$50,000
$100,000
$150,000
$300,000
Super Visa
3 months to 80 years
365 consecutive days
$100,000
$150,000
$300,000
International students
17 to 40 years
365 consecutive days
$50,000
$100,000
$150,000
$300,000
24/7 emergency medical assistance
All plans include access to our private emergency medical assistance, a service available 24 hours a day, 7 days a week.
If an emergency arises during your stay, simply take out your card and contact our team. We can quickly guide you to the care you need.
Coverage of pre-existing medical conditions
A pre-existing medical condition is a condition for which you were diagnosed, treated, or examined before your coverage starts. (In case of disparity between this explanation and the definition in the insurance policy, the policy wording prevails.)
These conditions are generally not covered, but we offer an option to cover them for an additional premium and if they have been stable for a set period before the effective date of your coverage.
Required stability period
- Ages 3 months to 59 years: The condition must have been stable for 3 months before the effective date of the coverage.
- Age 60 and over: The condition must have been stable for 6 months before the effective date of the coverage.
See the definition of “Stable and Controlled” in the insurance policy.
How much does Visitors to Canada travel health insurance cost?
The cost of Visitors to Canada travel health insurance depends on several factors, including the traveller’s age, length of stay, selected coverage amount, whether pre-existing medical conditions are covered, and whether a deductible is added.
Because every traveller is different, the exact premium depends on your situation.
You can get a personalized quote in just a few minutes to find out the cost of your coverage.
Frequently asked questions about Visitors to Canada travel health insurance
Can you buy Visitors to Canada travel health insurance with a pre-existing medical condition?
Yes. You can buy insurance even if you have a health condition. However, pre-existing medical conditions are generally not covered.
Some conditions may be covered if they are stable for a specified period before coverage begins. An additional premium may apply.
The stability period depends on the insured person’s age.
When does your coverage begin?
If you buy the insurance before arriving in Canada, your coverage begins on your arrival date. If you buy it after arriving in Canada, a waiting period may apply. (See the definition of “waiting period” in the insurance policy.)
Your coverage generally ends when you leave Canada to return to your country of residence.
Depending on the chosen plan, coverage can be up to $300,000 for medical emergencies during your stay.
Can you get a refund if the trip is cancelled or cut short?
Yes. A partial refund may be available if the trip is cancelled or cut short, depending on the policy terms.
The reimbursed amount depends on:
- The coverage terms
- The portion of the trip already used
- Certain administrative fees
Can you buy Visitors to Canada travel health insurance after arriving in Canada?
Yes. A 7-day waiting period generally applies, except in the case of accidental injury. If coverage is purchased before arrival in Canada, this waiting period does not apply.
Get a quote for your Visitors to Canada travel health insurance
In just a few minutes, you can find out the cost of your protection and choose the insurance that fits your stay in Canada. If you have questions, a Tourmed representative can guide you.
The Visitors to Canada plan is not offered online for now.