Did you know that the average cost of a hospital stay in Canada ranges from $8,000 to $12,000? And a hospital stay that includes time in intensive care can cost over $50,000.
We recommend choosing the highest amount of coverage per traveller to decrease the risk of having to pay medical expenses yourself.
What is visitor insurance?
Visitor insurance covers you if you suddenly and unexpectedly fall ill or have an accident during your stay and need emergency healthcare.
If you're coming to Canada to travel, work or study, or you're waiting for provincial health insurance, this coverage might be right for you.
How visitor insurance works
Cost
The premium varies based on:
- Age of each insured person
- Duration of the stay
- Insurance amount selected
You have to pay the premium in a single payment.
Eligibility
To be eligible, you must be 84 or younger and be one of the following:
- Canadian not covered under a provincial plan
- Newcomer waiting for provincial health insurance coverage
- Foreign worker with a work visa
- International student with a study visa
- Visitor to Canada
Note that children must be at least 15 days old to be eligible.
Coverage
Insurance amount
- $100,000
- $150,000
- $300,000
Healthcare and services covered
- Hospital care
- Medical care and services from a doctor or surgeon, for example
- Healthcare and services prescribed by a doctor, such as X-rays or medication
- Health professionals, like a physiotherapist, podiatrist or mental health specialist
- Dental care
- Transportation costs for an ambulance or repatriation, for example
- Living expenses
- Certain expenses in the event of death
Length of stay
To be eligible for this insurance, your stay in Canada must be no longer than 365 days.
Trips outside Canada
For a trip outside Canada to be covered, it must:
- Not be to your country of residence (your usual place of residence before coming to Canada)
- Start from Canada
- Be no longer than half your stay in Canada (all trips combined)
Assistance service
Visitors to Canada Insurance includes our 24/7 assistance service, anywhere in the world. This service can help you with medical emergencies and some other situations before you leave or during your stay.
FAQ
Can I get health insurance as a visitor in Canada?
Yes, you can get health insurance as a visitor if you meet the eligibility criteria. For more information, see the Visitors to Canada Insurance policy (PDF, 1.14 MB).
Why do I need to get health insurance if I visit Canada?
With visitor insurance, you're protected against the cost of a hospital stay in Canada. This costs $8,000 to $12,000 on average. If your stay includes time in intensive care, it can cost over $50,000.
Are doctors' fees fully covered?
If you suddenly and unexpectedly become ill or have an accident, doctors' fees are fully covered up to your insurance amount.
Contact us
Assistance service
Call us within 24 hours of the accident or onset of illness.
Canada and the US
Elsewhere in the world (collect call)
Customer service
Call us for advice, to make changes to your policy or to file a claim.
Canada and the US
Elsewhere in the world (collect call)
The information on this site is intended to help you understand the product by providing a simple, clear summary of the nature and conditions of the insurance. Only the insurance contract and the insurance application will be used to settle legal disputes. Refer to the insurance contract for a full list of terms and conditions.
Certain conditions, exclusions and limitations may apply.