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Compare Visitor Insurance Plans in Canada
Compare emergency medical insurance options for Super Visa applicants, including coverage amount, deductible, monthly payment availability, pre-existing condition options, and refund rules.
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What is Visitor Insurance?
Visitor Insurance is emergency medical insurance designed for people visiting Canada who are not covered under a Canadian provincial healthcare plan. Without private insurance, visitors may be responsible for the full cost of emergency medical treatment, hospital stays, ambulance transportation, prescription medication, diagnostic testing, and related healthcare services.
Who Should Consider Visitor Insurance?
Visitor insurance may be useful for several categories of travellers and temporary residents in Canada.
Parents & Grandparents
Family members visiting children and relatives in Canada.
Tourists
Travellers visiting Canada for vacation, events, or temporary stays.
New Immigrants
New arrivals waiting for provincial healthcare eligibility.
Students & Workers
International students or temporary workers needing medical protection.
What Does Visitor Insurance Typically Cover?
Benefits vary by insurer and policy wording, but many plans include the following emergency medical benefits.
Hospitalization
Hospital accommodation and emergency treatment for sudden illness or injury.
Physician Services
Emergency treatment from doctors, specialists, surgeons, or anesthetists.
Ambulance
Emergency ground or air ambulance when medically required and eligible
Prescription Drugs
Medication prescribed as part of covered emergency medical treatment.
Emergency Dental
X-rays, lab work, and medically necessary diagnostic services.
Medical Evacuation
Accidental dental injury or emergency pain relief depending on policy.
Follow-up Visits
Transportation back home when medically necessary or in the event of death.
Repatriation
Return transportation or remains coverage when applicabler.
What Is Usually Not Covered?
Visitor insurance is generally designed for sudden and unexpected emergencies. Routine care, elective treatment, unstable pre-existing conditions, and treatment that can reasonably wait until returning home may be excluded.