Visitors to Canada Insurance
In case of emergency while visiting Canada
Our Visitor-to-Canada health insurance plan provides affordable, convenient protection. As well, it meets Super Visa application requirements:
- Coverage for up to 365 days in Canada and no expiry date exclusion
- Deductible options with savings of 5% – 30%
- Return home during the trip without cancelling your coverage
- Rates for visitors of any age
- Coverage for pre-existing medical conditions
✸ NEW ✸ Visitor to Canada insurance is now even more affordable with a monthly payment plan. To qualify:
- Policies must be effective for 6 months minimum
- You must have at least $50,000 of insurance coverage
- Ideal for Super Visa and non-Super Visa applicants
Visitors to Canada health insurance coverage includes:
- $10,000 to $500,000 for emergency medical care
- Coverage for COVID-19
- Hospitalization fees for a semi-private room
- Prescription drugs required to treat emergency situations
- Ambulance (Ground or Air Transportation)
- Up to $300 per profession for chiropractor, osteopath, physiotherapist, or podiatrist services when medically necessary and prescribed by the attending physician
- Professional fees for physicians, nurses and other health care professionals for emergency medical treatment
- Up to $2,000 for emergency dental care treatment due to an accident
- Emergency home return by air ambulance or commercial flight with a medical escort
- Return of deceased
- Up to $1,000 for meals and accommodations if your return is delayed due to a medical emergency
- Trips to other provinces and countries, including the United States may be covered
Super Visa insurance
Visitors to Canada insurance plans meet Super Visa application requirements.
With a Super Visa you can visit Canada for up to 2 years, and you don’t need to renew your status. This is also a multi-entry visa so you can enter Canada multiple times up to 10 years. This is different from a Regular Visa with 10-year multi-entry, which allows you to stay up to 6 months.
To apply for a Super Visa in Canada you must have Super Visa Insurance.
Super Visa requirements in Canada
- Visitors to Canada must have a minimum $100,000 in health insurance issued by a Canadian insurance company.
- The insurance must be valid for one full year. This ensures visitors can pay for their medical care if they become injured or sick while in Canada.
- Visitors must be the parent or grandparent of a Canadian citizen or a permanent resident of Canada.
NOTE: It’s recommended that you purchase this plan before you arrive in Canada. It may be purchased when you arrive, but waiting periods will apply.
Get a quote
Contact one of our health insurance specialists to get a quote and coverage. Monthly payment options now available.
Do you help families bring their parents and grandparents to Canada for long-term visits? Take a look at our immigration affiliate program.
Get Started with Visitors to Canada Insurance
Speak to a member of the MMHI team to help with your Visitors to Canada insurance needs.
Common Questions about Visitors to Canada Insurance
1. Who should buy Visitors to Canada Insurance?
Visitors to Canada insurance is recommended for these groups:
- Tourists
- Parents and grandparents (including Super Visa applicants)
- Business travelers
- New immigrants waiting for provincial coverage
- Canadians returning who don't have active health cards
2. How much Visitors to Canada coverage should I buy?
The potential need will vary depending on your age and other factors. You must have at least $50,000 in coverage. However, Immigration Canada advises at least $100,000 in coverage due to hospital costs. These can be $3,500–$5,000 CAD per day.
3. When should I buy Visitors to Canada insurance?
You should purchase Visitors to Canada insurance before you travel. Many insurers apply a waiting period of 2 and 8 days if your coverage starts after you arrive in Canada and you get sick. If you have coverage in place before you start, you avoid this potentially expensive gap.
4. Can I get coverage if I have a pre‑existing condition?
Yes, some health plans cover stable pre‑existing conditions. “Stable” generally means the condition hasn’t changed for 3–6 months. Changes may be in symptoms, treatment, or medication. If you have a pre-existing condition, do your due diligence to ensure your healthcare will be covered. This is one of the main reasons why claims get denied.
5. Why do visitors need medical insurance in Canada?
The reason visitors to Canada need insurance is that they are not covered by provincial health plans. Canadian healthcare is not free for everyone. So if you’re a tourist, Super Visa applicant, or temporary visitor, you must get private insurance so you’re protected.
6. What medical situations does Visitors to Canada insurance help with?
Visitors to Canada insurance helps in a number of emergency situations. These include:
- Sudden illness
- Accidents
- Hospital stays
- Specialist consultations
- Emergency prescriptions
