Visitor to Canada

Visitors Insurance (also called Travel Medical Insurance for Visitors to Canada) is a medical coverage plan designed for individuals visiting Canada on a temporary basis — including tourists, business travelers, international students awaiting provincial coverage, or new immigrants.

It provides protection against unexpected medical emergencies, helping cover the high costs of healthcare in Canada.

Why Visitors Insurance is Important

1

Healthcare in Canada is Expensive

Visitors are not covered under Canada’s public healthcare system (provincial health plans). Without insurance, even a minor medical emergency can cost thousands of dollars.

2

Financial Protection

Covers emergency medical expenses such as hospitalization, ambulance, surgeries, and prescription medication.

3

Peace of Mind

Ensures travelers can access timely medical care without worrying about finances, allowing them to focus on enjoying their trip.

4

Flexible Coverage:

Plans can be purchased for short trips or extended stays, and can often be extended if visitors decide to stay longer.

Key Features of Visitors Insurance

Coverage Amounts

Typically ranges from $25,000 to $300,000 or more, depending on plan.

Emergency Medical Coverage

Covers hospital stays, doctor visits, diagnostic tests, ambulance, emergency dental, and prescription drugs (for emergencies).

Repatriation & Return of Remains

Covers cost of returning the insured to their home country in case of death.

Accidental Death & Dismemberment

Some plans include lump-sum payouts for accidental injury or death.

Pre-existing Condition Options

Certain plans cover stable pre-existing medical conditions (subject to age and stability period requirements).

Deductible Choices

Options available — higher deductibles reduce premium cost.

Coverage Period

Can be purchased for days, weeks, months, or up to 1 year (renewable/extendable).

Direct Billing

Many insurers directly settle bills with hospitals to avoid upfront payment by the insured.

This insurance will protect you if you pass away prematurely, in which case your beneficiary will receive funds to cover immediate expenses, such as:

Frequently Asked Questions

01. Is Visitor to Canada Insurance mandatory when traveling to Canada?
No, it is not mandatory but highly recommended to protect against high medical costs.
Coverage includes emergency medical treatment, ambulance, hospitalization, and related healthcare services.
Yes, many plans include coverage for activities such as skiing, mountain biking, and hiking.
Choosing a policy with direct billing arrangements with Canadian healthcare providers helps expedite claims.

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