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HomeTravel Insurance ResourcesHow Much Does Visitors to Canada Travel Insurance Cost?

When traveling to Canada, it is important to have Visitor health insurance to help provide emergency medical coverage while you are away from your home country. This is private medical insurance that covers you in the event of a medical emergency. Medical costs in Canada are very expensive if you do not have insurance coverage. Canadian citizens have access to free provincial medical care. However, visitors do not qualify for the same. The cost of visitors to Canada travel insurance is $150 to $325/month depending on the age, health condition, duration of stay, and amount of coverage required for visiting Canada.

The Annual Immigrants and Visitors to Canada Plan

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There are new annual immigrants and visitors to Canada plans available for those who make frequent visits to Canada and those who enjoy extended stays. This unique product provides coverage for a full 365 days for emergency medical fees while visiting Canada.


This allows visitors the flexibility to travel back and forth from their home country to Canada without having to re-apply for travel insurance. This plan is so flexible you have the ability to select your start date for the plan, and if your travel plans change, you can change the effective date prior to the onset of your coverage.


If you are applying for any type of Visa and it is not granted, you will receive a 100% refund. This plan also allows for the flexibility for prorated partial refunds provided there are no claims made on the policy.


Depending on the amount of premium you can afford to pay, you can select deductible amounts from $0 to $1000. The higher the deductible, the lower the premium amount will be. Total coverage amounts available are between $25,000 and $150,000.

The higher the coverage amount you select, the higher the premium will be also.

SunLife Of Canada

Sunlife offers two types of emergency medical insurance plans for visitors to Canada.
SunLife travel emergency medical insurance can be purchased online from your home country, or it can be purchased by a family member in Canada.

Plan #1 – Emergency Medical Insurance for pre-existing medical conditions coverage

  •                    For ages 15 days to 65 years
  •                    Coverage Provided: $15,000 – $300,000 (certain restrictions apply)
  •                   Meets a minimum coverage of $100,000 for Super Visa requirements

Plan #2 – Emergency Medical Insurance with no coverage for pre-existing medical conditions

  •                For ages 50 years to 85 years
  •                Coverage provided $15,000 to $100,000 (certain restrictions apply)
  •                Meets a minimum coverage of $100,000 for Super Visa requirements

Both plans also include additional benefits of:

  • Referrals – insurance company, when possible, will provide you with the closest hospital, doctor, or clinic.
  • Direct Billing – when possible medical providers will process your fees through direct billing to the insurance company
  • Case Management – in the event of an emergency you will be provided with an experienced team that will monitor the services you are receiving 24 hours a day
  • Emergency call center – when you need assistance, a specially trained group of professionals are available to assist you 24 hours a day, seven days a week.

Who are Visitors to Canada Medical Insurance Available To?

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Visitors to Canada travel medical insurance is available to:

  • Visitors – anyone wishing to visit Canada (certain restrictions may apply)
  • Foreign Students – a daily registered student, or a dependent attending an educational institution full time
  • Canadian Expatriates – any Canadian citizens returning to Canada (some restrictions may apply)
  • Landed Immigrants – a landed immigrant ( some restrictions may apply)
  • Foreign Workers – a foreign worker ( some restrictions may apply)

Questions to Ask When Buying Emergency Medical Insurance for Visitors to Canada

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The following are some important questions you should ask your insurance company before purchasing an insurance plan for coverage in Canada:

  • What types of plans do you have available to travel to Canada?
  • What is the full extent of the coverage?
  • What is not covered?
  • Are there any restrictions, limitations, or conditions to the plan?
  • Are there different plans to choose from?
  • What if I have a pre-existing medical condition?
  • Do I need to have any tests or medical exams?
  • Are prescription drugs covered?
  • Are Emergency dental services covered?
  • Is emergency transportation covered?
  • What happens if I pass away there?  Will the transportation of my remains to my home country be covered?
  • How much deductible will I have to pay?
  • How much will my premiums be?
  • Will my premiums go up when I am older?
  • Does your company accept direct billing?
  • How do I go about making a claim?
  • How long is your claims process?
  • Is there someone I can call if I have any questions at any time of the day or night?
  • Should I buy my health insurance in my home country or in Canada?
  • Do you have special offers for a policy covering 2 or more people?

There are many questions that you should ask your insurance company so that you can feel confident that you will be fully protected should you fall ill or suffer a medical emergency and require professional medical care.

What is Considered an Extensive Travel Medical  Emergency Insurance Policy?

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A very good travel medical emergency insurance policy should provide the following coverage while visiting Canada:

  • Hospital Accommodation including semi-private, and ICU
  • Medical Services by a licensed physician, surgeon, anesthetist, or registered graduate nurse
  • Diagnostic Services – Lab tests, MRI, CT Scans, x-rays, sonograms, cardiac catheterization, biopsies, etc.
  • Prescription Drugs – all covered (some limitations may apply)
  • Private Duty Nurse – in the hospital or out of the hospital when medically required
  • Paramedical Services – services of a chiropractor, podiatrist, acupuncturist, osteopath, or physiotherapist
  • Dental Services – coverage for treatment or removal of teeth caused by an accident, or for pain relief
  • Medical Equipment – such as casts, crutches, slings, walkers, etc.
  • Ambulance Services
  • Emergency Air Transportation
  • Repatriation
  • Meals and Accommodation
  • Hospital Allowance
  • Return and escort of accompanying children to the departure point
  • Accidental Death and Dismemberment
  • Pre-Existing Medical conditions (some restrictions may apply, and a higher premium will be charged)


The cost of visitors to Canada health insurance is, literally priceless. The ability to travel and stay in Canada with peace of mind knowing if something were to happen to you that you will have coverage for medical services.

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