Visitor insurance for Canada, made simple.
Emergency medical coverage for visitors, parents and grandparents, and new immigrants — compared across Canada’s leading insurers by an FSRA-licensed advisor. No payment to get a quote.
What visitor insurance is — and why it matters
Canada’s public healthcare does not cover most visitors. Without coverage, a single emergency room visit can run into the thousands, and a hospital stay can cost several thousand dollars per day. Visitor insurance is designed to absorb that risk so an unexpected illness or injury doesn’t become a financial shock.
Visitors to Canada →
The complete guide — who needs it, how it works, and how to choose coverage for a visit to Canada.
What’s covered →
A plain-English breakdown of what emergency medical plans typically cover — and what they don’t.
How much it costs →
What drives the price — age, coverage amount, duration, deductible — with worked examples.
Pre-existing conditions →
How stability periods work and when a stable condition may still be covered.
Parents & grandparents →
Coverage built around the most common reason families call: bringing parents to Canada.
Monthly vs annual →
Pay-monthly plans vs paying up front — and the refund rules that come with each.
What these plans typically cover
Exact benefits, limits, and exclusions are set by each policy’s wording — this is the general shape of an emergency medical plan for visitors.
Typically covered
- Emergency hospital stays and room charges
- Emergency physician and specialist fees
- Diagnostic tests, lab work, and X-rays
- Prescription drugs during an emergency
- Ambulance and emergency transport
- Emergency dental from an accidental injury
- Medical repatriation where required
Typically not covered
- Routine check-ups and non-emergency care
- Elective or cosmetic procedures
- Unstable pre-existing conditions
- Pregnancy and childbirth (most plans)
- Injuries from high-risk activities
- Care you travelled to Canada specifically to receive
Common questions
What is visitor insurance?
Is visitor insurance mandatory in Canada?
How much coverage should a visitor choose?
Can I buy visitor insurance after arriving in Canada?
Related coverage
Not sure which visitor plan fits?
Tell me the traveller’s age, dates, and any health concerns, and I’ll send a transparent comparison — no payment, no pressure.