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HomeTravel Insurance ResourcesHow Much Travel Insurance Do I Need?

When traveling to Canada as a Visitor or New Immigrant, it is very important to purchase Travel Medical Insurance before you depart to Canada. This is to ensure you are covered for high-cost medical expenses should you become ill or suffer an accident while in Canada. Canada has an excellent health care system with highly trained professionals and state-of-the-art facilities, which comes at a high cost. For example, a simple one-night stay in a hospital can cost up to $3000.

Immigrants Coming To Canada

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One thing many people are not aware of is there is a waiting period for provincial healthcare coverage. Therefore it is very important to purchase private emergency health insurance BEFORE arriving in Canada.

The waiting period varies from province to province, so to ensure you have proper coverage,  emergency travel insurance is highly recommended. During the waiting period, anything can happen that may cause you to require medical attention.

Purchasing emergency travel medical insurance protects you from high expenses that would otherwise have to pay out of your pocket. It is important to know that Canada does not provide or cover free healthcare for visitors, tourists, or new immigrants that have not attained the proper waiting period.

All Medical Care Comes at a Cost

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Whether you need to see a doctor, require prescription medications, need to undergo medical testing, stay in a hospital, or require emergency care, it all comes at a cost. Simple blood work testing is expensive on its own, not to mention ultrasounds, x rays, CT Scans, or MRIs.

God forbid you are pregnant and going into labor while visiting Canada and experience difficult childbirth resulting in a C-Section and your newborn needs NICU care. This can amount to thousands of dollars. Canadian healthcare is not quite as expensive as it is in the United States, but bills can add up if you require multiple measures of medical care.

Hospital Fees for Patients Without Medical Insurance Coverage While Visiting Canada

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To give you a general idea of how much health care in Canada Costs, here are a few approximate fees involved:

Non-Resident Outpatient Fees in Canada

  • Hospital appointment – $927 per appointment
  • Emergency Dept Visit – $927 per visit
  • Day Surgery – $3,495 plus $927 hospital visit fee
  • Xray – $49 + and $927 hospital visit fee
  • MRI – $2,028 plus $927 hospital visit fee
  • CT Scan – $2,127 plus $927 hospital visit fee
  • High-Risk Ultrasound – $309 plus $927 hospital visit fee
  • Each lab test – $125 plus $927 hospital visit fee
  • Ambulance Ride per Trip – $240
  • Private Transportation per ride – $138
  • Casting – $20 and up
  • Rehabilitation and mobility devices – $2 – $240
  • Physician fees – billed directly by a physician – additional to hospital fees

Non-Resident InPatient Fees in Canada

  • Hospital Room Charges Per Day:

– Regular Ward – $2,841

– Intensive Care Ward – $5,181

– Semi-Private – $3,021

– Private – $3,061

  • Telephone and TV Fees –   billed separately by rental companies for these services.
  • All the above noted Outpatient fees minus the hospital visit fees are the same while staying in the hospital.

It is very important to know that hospital fees do not include fees charged by physicians, surgeons, and other medical doctors.

Note: The above-noted fees are approximate and may have increased.

How Do I Know How Much Travel Medical Insurance I Should Have When Visiting Canada?

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So the saying goes, it’s better to be safe than sorry. It is recommended when purchasing travel insurance for coverage while in Canada to buy a minimum of $100,000 coverage. However, there are certain variables that could warrant more coverage, such as age, condition of health, etc.

As you can see by the above fee chart, a 5-day hospital stay, with numerous tests can cost approximately $25,000. If you are concerned with paying a high premium, you can increase your deductible amount which will then lower your premium.

What If I Already Have Travel Medical Insurance With My Employer or Bank?

Travel medical insurance through your employer or bank may have some limitations. It is always best to speak with your insurance company to fully understand what coverage you already have and what additional coverage you may need.

Who Should Purchase Emergency Medical Travel Insurance?

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Anyone traveling to Canada for any reason should purchase Visitors to Canada Emergency Medical Travel Insurance. Whether you are visiting on business, for pleasure, for education purposes, on a work Visa or a Parent/Grandparent Super Visa, or even volunteering your services, you should always purchase medical travel insurance. This is to protect you from incorporating high medical care bills and to give you peace of mind while enjoying your stay in Canada.

Can I Purchase a Policy That is Valid Throughout Canada?

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Yes, there are insurance companies that provide medical care insurance policies that provide you with coverage in all Canadian provinces and territories. The following provinces and territories would be included in your coverage:

  • Ontario
  • Quebec
  • Alberta
  • British Columbia
  • Saskatchewan
  • Manitoba
  • Yukon
  • Northwest Territories
  • Nunavut
  • Nova Scotia
  • New Brunswick
  • Prince Edward Island
  • Newfoundland and Labrador

You will be covered under one insurance policy even when traveling to various cities in Canada.

Should I Purchase My Insurance in My Home Country or Directly From Canada?

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Technically, you can purchase visitors to Canada Emergency Medical Travel Insurance either way. However, it is important to remember that many medical facilities in Canada have a great working relationship with insurance companies and that your claim could be processed much faster.

Many medical facilities in Canada offer direct billing to various Canadian insurance companies. This makes it much easier to validate the services you received and the fees that were charged. It is very easy to purchase Travel medical insurance online, and if you have any questions they always provide a phone number so that you can speak with them directly.

When you purchase visitors to Canada Emergency Medical Travel Insurance in your home country, the claims process could be much longer.

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