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It is very important to obtain Medical Insurance when you travel anywhere in the world. Medical Insurance provides you with peace of mind while travelling. In Canada, whether you are immigrating, travelling on a Work Visa, or just visiting as a tourist, it is very important to obtain Medical Insurance. Visitors and tourists have access to medical and dental care in Canada. However, they do not qualify for free health care.  If you experience any kind of medical issues when you are not insured, your medical bills could be very high.

Visitors to Canada Coverage

travelling in Canada

When you are visiting Canada, you should obtain a good Medical Insurance Plan to cover the following:

  • Emergency Return Home
  • Prescription Medication
  • Emergency Hospital and Medical
  • Emergency Transportation
  • Accidental Death and Dismemberment
  • Accidental Dental
  • Dental Emergency
  • Chiropractor
  • Osteopath
  • Podiatrist/Chiropodist
  • Physiotherapist
  • Acupuncturist
  • Out of Pocket Expenses
  • Return of Deceased
  • Transportation of Relative or Friend

The dollar amount of coverage will depend on the level of plan your purchase.

Pre-Existing Medical Conditions

Be sure to know all the facts surrounding pre-existing Medical conditions, as most insurance companies have many restrictions.  Most times, travellers over the age of 80 are not covered for any pre-existing medical conditions.

What Should I Look For When Shopping for Medical Insurance While Visiting Canada?

Always shop around and obtain quotes for travel medical insurance in your home country. Also, it is a good idea to check with your employer’s Human Resources Department to see what type of coverage, if any, you may already have when travelling to Canada. Some banks and private insurance policies may also have travel provisions for coverage, as well. Things to consider when shopping for your Medical Insurance Policy:

  • Deductible – choose the amount that you would have to pay out of your pocket before the insurance company will pay any expenses. Normally the higher the deductible amount is, the lower your insurance premium will be.
  • Read The Policy – make sure your travel policy covers amounts that Canada would charge for medical and dental services as they may be higher than your home country.
  • Exclusions – ensure you read the “exclusions” very carefully so you are fully aware of what may not be covered.
  • High-Risk Activities – as most standard medical insurance coverage plans do not cover high-risk activities like high-risk sports, kayaking, windsurfing, zip-lining, paragliding, scuba diving, mountain climbing, white water rafting, bungee jumping, skydiving and other high-risk activities you will need to purchase extra coverage if you plan on partaking in any of these events.

How Does Medical Insurance Work When Visiting Canada

As a visitor to Canada, you are free to see any doctor or hospital providing you pay for the services. Should the need arise to see a physician while visiting Canada, if possible, it is wise to make an appointment ahead of time.

Have the right documentation

Ensure you bring identification, a credit card, debit card or cash, and your travel medical care policy with you. For proper coverage, you will need to obtain it from the medical facility you have visited important information.

The invoice form must include the date, name of the medical facility, the medical treatment you received, any prescribed medication, the doctor’s name and signature, the fee you paid, and a copy for your own records.


Normally for small fees, you would pay at the time of your visit. Once you return to your home country, you can submit the bill for reimbursement. For extensive medical care, you must contact your insurance company as soon as possible so they can authorize and take care of the fees for you.

What are Some of the Reasons I May Have to See a Doctor While Visiting Canada?

Anything can happen when you are travelling away from home that may lead you to seek medical attention. Some things that can happen are:

  • Bladder Infection
  • Severe allergic reactions to insect bites and stings
  • A toothache
  • Thrombosis
  • A slip or fall
  • A twisted or broken bone
  • Travel sickness
  • Flu
  • Sinus infection
  • High blood pressure
  • Heart attack
  • Appendicitis
  • Car/Bus accident

And many other health concerns or accidents.

Direct Billing For Medical and Dental Services

Some insurance companies offer direct billing services. This means that medical or dental providers can directly bill the insurance company if the service provider offers this service.

Some Benefits Offered for Medical Insurance Companies

Every insurance company is different; that is why it is so important to do your homework on Travel Medical insurance prior to buying a policy.

You need to know the company can be reached 24/7 in case of an emergency.

Some companies offer a case management worker, that will monitor the medical attention you require in the case of an emergency 24 hours a day, seven days a week.

Many insurance companies have multiple listings of hospitals and medical centres they can refer you to for medical attention.

Super Visa Requirements in Canada

A parent or grandparent of residents of Canada can apply for a Super Visa. A Super Visa allows parents and grandparents to make multiple trips to Canada to visit their children and grandchildren for up to 2 years per visit in Canada.

The Super Visa is valid for 10 years. It is basically a temporary resident permit. Super Visa applicants must provide and meet certain requirements.

  • When applying for a Super Visa in Canada, you must provide proof that you have private medical insurance.
  • This private medical insurance must be valid for 1 year from the time you specify,
  • It must be issued by a Canadian Insurance Company.
  • It must have a minimum coverage of $100,000 and up to $300,000 of coverage if you are under the age of 65,
  •   Coverage involved must be hospitalization, medical care and repatriation,
  • It must be valid for each trip to Canada and must be able to provide a customs officer with a copy of the policy for review.


Whatever the reason may be for travelling to Canada, it is very important to ensure you have proper medical insurance coverage to alleviate the need to pay very high medical and dental bills. It is for your protection and peace of mind while enjoying your stay in Canada.

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