Visitor Visa Insurance for Visitors to Canada
Emergency medical insurance for family and friends visiting Canada on a visitor visa or eTA. A single hospital visit in Canada can cost thousands of dollars, and provincial health plans like OHIP do not cover visitors.
Why visitors need insurance
Visitors are not covered by provincial health insurance. Without a plan, the cost of emergency care, tests and hospital stays is paid out of pocket. Visitor insurance protects your guests and you from unexpected medical bills.
What visitor insurance covers
- Emergency hospital and doctor care
- Diagnostic tests such as X-rays and lab work
- Prescription drugs prescribed in an emergency
- Ambulance services
- Emergency dental care after an accident
- Return home if medically necessary
Choosing the right plan
- Coverage amount: choose from lower limits up to plans with $100,000 or more
- Trip length: buy coverage for exactly the dates your guests are in Canada
- Deductible: a higher deductible lowers the price
- Pre-existing conditions: some plans cover stable conditions
- When to buy: buy before arrival when possible; plans bought after arrival may have a waiting period
Related coverage
Parents or grandparents planning a long stay may need Super Visa insurance. Students can see international student insurance, and Canadians travelling abroad can see travel insurance for Canadians.
Frequently asked questions
Is visitor insurance mandatory for a visitor visa?
It is not required for a regular visitor visa, but it is strongly recommended. It is mandatory for the Super Visa.
Can I buy visitor insurance after my guests arrive?
Yes, but many plans have a short waiting period for illness when bought after arrival. Buying before arrival gives the most protection.
Can I get a refund if the visit is shorter?
Many plans offer a partial refund for unused days if no claims were made. We will explain the refund rules before you buy.
Get a free quote from Devendra Kumar, CLU, CHS
DK Insurance & Investment Inc. compares plans from several Canadian providers for families across the GTA, with offices in Vaughan, Mississauga and Brampton. Call or text +1-647-761-0517.